ResidentialBusiness

Barnes & Noble is on a roll, and it’s not slowing down in 2026. The bookstore has confirmed plans to open 60 new locations across the country in 2026. For Barnes & Noble, the move is part of a major comeback that’s been years in the works. After the company saw a sales peak in 2008, it spent a decade watching sales dwindle as customers moved to other retailers (especially digital booksellers like Amazon), ultimately leading the retailer to shutter 150 stores. In 2019, the company was acquired by the UK’s Elliott Advisors and taken private. But since 2023, Barnes & Noble has annually added dozens of new locations across the U.S. A post-pandemic boom in the bookstore economy and an influx of new readers from online communities like TikTok’s #BookTok have helped the store crawl its way back to bookselling dominance—and this latest announcement shows that the growth is more than a passing fad. The retailer’s latest expansion plans were reported earlier by USA Today. Where will the new Barnes & Noble locations be? In a statement to Fast Company, a Barnes & Noble spokesperson confirmed that the company is looking to add 60 new stores before June 2026 across 10 locations, though the representative declined to share specific addresses or opening dates. The locations include bookstores in the following states and districts: Ohio Texas Florida Illinois Colorado Washington State California Virgina Georgia D.C. How #BookTok made reading cool This new expansion plan is on par with Barnes & Noble’s annual growth levels over the past few years. In 2023, it opened around 30 new stores, followed by 61 in 2024. According to the spokesperson, 2025 was the company’s most impressive year yet, notching an additional 67 stores. Barnes & Noble’s newfound success is part of a larger return to the stacks—and return to reading as a hobby, more generally—powered, in large part, by readers on TikTok. As younger communities discover popular reads through their #BookTok recommendations, everyone from retailers to libraries are seeing a rise in readership. Back in February, a Barnes & Noble spokesperson told Fast Company, “Since the rise of BookTok during the pandemic, bookstores have seen a significant surge in popularity, especially among young people. Our stores have become popular social spots, offering an experience that online shopping simply can’t match.” BookTok’s popularity is having ripple effects in other areas, too. Some public institutions, like the Milwaukee Public Library and Columbus Metropolitan Library, are riding this wave by building their own presences directly on TikTok. And companies like the book tracking app Goodreads and publisher Harlequin have both recently adopted new branding that’s designed to appeal to the TikTok crowd. While BookTok’s effect on booksellers and libraries might’ve initially seemed like a brief phase, Barnes & Noble’s consistent expansion and strong sales appear to signal that reading is officially cool—and profitable—again. View the full article

The inventory slowdown came as properties sold for 1.6% below asking prices, with some sellers opting to remove their listings altogether, according to Redfin. View the full article

Generative AI is everywhere right now. It dominates conference agendas, fills LinkedIn feeds, and is reshaping how many businesses think about organic search. Brands are racing to optimize for AI Overviews, build vector embeddings, map semantic clusters, and rework content models around LLMs. What gets far less attention is a basic reality: for most websites, AI platforms still drive a small share of overall traffic. AI search is growing, no question. But in most cases, total referral sessions from all LLM platforms combined amount to only about 2% to 3% of the organic traffic Google alone delivers. Despite that gap, many teams are spending more time chasing AI strategies than fixing simple, high-impact SEO fundamentals that continue to drive measurable results. Instead of improving what matters most today, they are overinvesting in the future while underperforming in the present. This article examines how a narrow focus on AI can obscure proven SEO tactics and highlights practical examples and real-world data showing how those fundamentals still move the needle today. 1. Quick SEO wins are still delivering outsized gains In an era where everyone is obsessed with things like vector embeddings and semantic relationships, it’s easy to forget that small updates can have a big impact. For example, title tags are still one of the simplest and most effective SEO levers to pull. And they are often one of the on-page elements that most websites get wrong, either by targeting the wrong keywords, not including variations, or targeting nothing at all. Just a few weeks ago, a client saw a win by simply adding “& [keyword]” to the existing title tag on their homepage. Nothing else was changed. Keyword rankings shot up, as did clicks and impressions for queries containing that keyword. This was all achieved simply by changing the title tag on one page. Couple that with other tactics, such as on-page copy edits, internal linking, and backlinking across multiple pages, and growth will continue. It may seem basic, but it still works. And if you only focus on advanced GEO strategies, you may overlook simple tactics that provide immediate, observable impact. 2. Content freshness and authority still matter for competitive keywords Another tactic that has faded from view with the rise of AI is what’s often called the skyscraper technique. It involves identifying a set of keywords and the pages that already rank for them, then publishing a materially stronger version designed to outperform the existing results. It’s true that the web is saturated with content on similar topics, especially for keywords visible in most research tools. But when a site has sufficient authority, a clear right to win, and content freshness, this approach can still be highly effective. I’ve seen this work repeatedly. Here’s Google Search Console data from a recent article we published for a client on a popular, long-standing topic with many competing pages already ranking. The post climbed to No. 2 almost immediately and began generating net-new clicks and impressions. Why did it work? The site has strong authority, and much of the content ranking ahead of it was outdated and stale. If you’re hesitant to publish the thousandth article on an established topic, that hesitation is understandable. This approach won’t work for every site. But ignoring it entirely can mean passing up clear, high-confidence wins like these. Get the newsletter search marketers rely on. See terms. 3. User experience remains a critical conversion lever Hype around AI-driven shopping experiences has led some teams to believe traditional website optimization is becoming obsolete. There is a growing assumption that AI assistants will soon handle most interactions or that users will convert directly within AI platforms without ever reaching a website. Some of that future is beginning to take shape, particularly for ecommerce brands experimenting with features like Instant Checkout in ChatGPT. But many websites are not selling products. And even for those that are, most brands still receive a significant volume of traffic from traditional search and continue to rely on calls to action and on-page signals to drive conversions. It also makes little difference how a user arrives – via organic search, paid search, AI referrals, or direct visits. A fast site, a strong user experience, and a clear conversion funnel remain essential. There are also clear performance gains tied to optimizing these elements. Here are the results we recently achieved for a client following a simple CTR test: Brands that continue to invest in user experience and conversion rate optimization will outperform those that do not. That gap is likely to widen the longer teams wait for AI to fully replace the conversion funnel. AI is reshaping search, but what works still matters There is no dispute that AI is reshaping the search landscape. It’s changing user behavior, influencing SERPs, and complicating attribution models. The bigger risk for many businesses, however, is not underestimating AI but overcorrecting for it. Traditional organic search remains the primary traffic source for most websites, and SEO fundamentals still deliver when executed well. Quick wins are real. Higher-quality content continues to be rewarded. User experience optimization shows no signs of becoming irrelevant. These are just a few examples of tactics that remain effective today. Importantly, these efforts do not operate in isolation. Improving a website’s fundamentals can strengthen organic visibility while also supporting paid search performance and LLM visibility. Staying informed about AI developments and planning for what’s ahead is essential. It should not come at the expense of the strategies that are currently driving measurable growth. View the full article

If you’ve sold equity in your company at some point, you’re probably used to keeping track of your cap table and knowing which shareholders have how big of a stake. But how would you feel about the U.S. government taking a sizable chunk of your business too? That’s the increasingly common reality for a growing number of U.S. companies, a new analysis by The New York Times finds—and for all the chatter over the summer about the feds moving to own almost 10 percent of Intel, computer chips aren’t the only sector seeing increased governmental involvement. Instead, it’s the minerals, metals, and mining industry that comes up again and again in the Times’ breakdown of where the The President administration is making money moves. Included on that list are investments made by the Department of Defense ($400 million in the mining company MP Materials; $35.6 million in Trilogy Metals; $80 million in mineral refiner ReElement Technologies; $620 million in rare earth magnet manufacturer Vulcan Elements) as well as the departments of Commerce (another $50 million in Vulcan Elements) and Energy ($182 million in deferred debt service with Lithium Americas). That’s not to mention the government’s “golden share” in U.S. Steel, its option to take a future 8 percent stake in the nuclear power company Westinghouse, or of course, the 9.9 percent stake in Intel, priced at $8.9 billion, that came out of the deal this summer. The companies in which The President is pushing for federal investment tend to be those deemed vital to national security, which is no surprise when you look at the sectors being prioritized: metals and mining, nuclear power, semiconductors. “If business-as-usual policies worked, America would not be reliant on foreign countries for critical minerals, semiconductors, and other products that are key for our national and economic security,” an administration spokesperson said. Still, it’s an unusual move by the typically free market-focused Republicans, with the Times estimating that over $10 billion in taxpayer money has already been dedicated to these investments (with more expected to be on the way). “Some officials are hopeful the equity stakes will generate a windfall for taxpayers, but the likelihood of that is unclear,” the report reads. “Many of the companies are facing financial headwinds, and some could take years to become profitable.” Critics have also raised concerns that these investments could create room for corruption and backroom dealings. The Times analysis did not look at stakes taken by the government’s Development Finance Corporation, which more typically invests in private firms. —Brian Contreras This article originally appeared on Fast Company’s sister publication, Inc. Inc. is the voice of the American entrepreneur. We inspire, inform, and document the most fascinating people in business: the risk-takers, the innovators, and the ultra-driven go-getters that represent the most dynamic force in the American economy. View the full article

We may earn a commission from links on this page. Who knew that, here in the mid 2020s, a show involving gays in the military (even a relatively pro-army one) would prove its own relevance by drawing a fierce, angry denunciation from the current administration—a response strong enough that it maybe, just maybe, got the show cancelled in spite of high viewership and buzz. But then again, given the precariousness of the streaming landscape, it's best to treat everything like a miniseries these days. Based on a memoir from Greg Cope White, the Netflix series stars Miles Heizer as Cameron Cope, a closeted gay teen who follows his bestie into the Army in the era before "Don't ask, don't tell," and well before serving in the open was a possibility. With no second season coming, it might be tough to figure out what to watch next. I have some suggestions—though given that there aren't a ton of "gay kid joins the army" shows out there, I'm focusing on queer coming-of-age stories in general, not strictly ones that are military-themed. (Growing up queer is kinda like a boot camp all its own.) We Are Who We Are (2020) Director Luca Guadagnino (Challengers, Queer) created this series about two American teenagers, Fraser (Jack Dylan Grazer) and Caitlin (Jordan Kristine Seamón), living with their families on a U.S. military base in Chioggia, Italy. Fraser's two moms are both in the army (something that would have been impossible in the 1990 of Boots, and may be again before long), but he's new to base life. Caitlin, on the other hand, has lived in Chioggia for years with her conservative father. Over the course of a summer, the two gradually bond over their mutual feelings of isolation, as well as their explorations of gender and sexuality. Stream We Are Who We Are on HBO Max. We Are Who We Are (2020) at HBO Max Learn More Learn More at HBO Max Overcompensating (2025 – ) Comedian Benito Skinner plays himself, sort of, in this buzzy comedy that sees a former high school jock facing his freshman year in college while desperately trying to convince himself and everyone else that he's as straight as they come (relatable, except for the jock part). Much of the appeal is in its deft blending of tones: It's a frequently raunchy college comedy, but it's simultaneously a sweet coming-of-age story about accepting yourself without worrying about what everyone else thinks. The cast includes Adam DiMarco (The White Lotus) and Rish Shah (Ms. Marvel) and, just as impressively, it's a streaming show with queer characters that's actually been renewed. Stream Overcompensating on Prime Video. Overcompensating (2025 – ) at Prime Video Learn More Learn More at Prime Video Heated Rivalry (2025 – ) Shane Hollander (Hudson Williams) and Ilya Rozanov (Connor Storrie) are professional ice hockey players who compete on rival teams, the Montreal Metros and the Boston Raiders. Even as their public relationship remains contentious over a period of years, the two develop a casual (at least at first) sexual relationship that grows increasingly sweaty, ice notwithstanding. Not to be outdone, this buzzy show also traces the similarly complicated relationship between an American team captain and a smoothie barista. Tonally, its sex-filled fun isn't much of a match for Boots, but it's of the increasingly few shows with gay lead characters to succeed on streaming. Oh, and it's also been renewed for a second season. Stream Heated Rivalry on HBO Max. Heated Rivalry (2025 – ) at HBO Max Learn More Learn More at HBO Max Blood & Water (2020 – ) This top-tier teen drama stars Ama Qamata as Puleng Khumalo, a teenage girl who’s lived her entire life in the shadow of a sister that was taken as a baby by human traffickers; Puleng’s parents even hold a birthday celebration for the sister each year. When invited to a party by popular Fikile Bhele (Khosi Ngema), a student at an elite school in Cape Town, Puleng can’t help noticing their similarities. Steeped in the story of her sister, Puleng transfers to the school to get to the bottom of things. There’s plenty of juicy high school drama and family secrets, but the show is elevated by its unexpected dramatic heft and a multitude of queer characters and storylines. Stream Blood & Water on Netflix. Blood & Water (2020 – ) at Netflix Learn More Learn More at Netflix Young Royals (2021 – 2024) Steamy soap Young Royals follows Wilhelm (Edvin Ryding), the fictional prince of Sweden, as he embarks on a romance with another student, Simon Eriksson (Omar Rudberg), at their elite boarding school (it's not exactly boot camp, but it's all relative). While possessed of all the addictive qualities of the teen drama genre, Young Royals takes itself a bit more seriously than some, and feels remarkably fresh in its commitment to casting age-appropriate actors in all the key roles. Stream Young Royals on Netflix. Young Royals at Netflix Learn More Learn More at Netflix Fellow Travelers (2023) Though it's about middle-aged men (Matt Bomer and Jonathan Bailey) in the 1950s, I'm comfortable calling this one a loose match since, like Boots, it's a period piece set a against a backdrop of era-specific brands of queer existence, beginning amid the McCarthy-inspired Lavender Panic and runs through to the AIDS crisis of the 1980s. Bomer and Bailey generate real sparks (and offer up intense, if not particularly graphic, sex scenes) as they portray decades in the lives of a closeted couple—one a State Department official and the other an idealistic congressional staffer. Stream Fellow Travelers on Paramount+. Fellow Travelers (2023) at Paramount+ Learn More Learn More at Paramount+ Elite (2018 – 2024) Elite follows a group of working-class friends who wind up with scholarships to Las Encinas, a fictional private school that is, in the show’s universe, the most exclusive in Spain (again, not exactly boot camp, but here we are). What they find there is snobbery, for sure, but also mystery, murder, and lots and lots of sex (among character of various sexual orientations and numerical groupings). The smart but wonderfully trashy show ran for an impressive eight seasons, with Indian and South African variations (Class and Blood & Water, mentioned above) also streaming. Stream Elite on Netflix. Elite (2018 – 2024) at Netflix Learn More Learn More at Netflix Heartstopper (2022 – ) The repressed, closeted yearning of Boots is all well and good, but Heartstopper is the affirming coming-of-age/queer teen love story that we all kinda need right about now. While it never soft-peddles the dangers of homophobia, it likewise doesn’t wallow in tragedy. Kit Connor and Joe Locke deliver sensitive (and often very funny) performances in a show that’s nearly all smiles without feeling treacly. Stream Heartstopper on Netflix. Heartstopper (2022 – ) at Netflix Learn More Learn More at Netflix First Day (2020 – 2022) This Australian import stars Evie Macdonald as Hannah Bradford, a generally confident 12-year-old whose interests include school politics and taekwondo. She's also, as the series begins, getting a fresh start at a new school while transitioning, presenting herself as female for the first time. She immediately makes new friends, but also faces a bully from her old school who holds her secret over her head just as Hannah is starting to come into her own identity. And if that doesn't sound like a boot camp of its own. First Day skews quite a bit younger than other shows on this list, but it's nevertheless a solid coming-of-age drama about finding meaning and identity. Stream First Day on Hulu. First Day (2020 – 2022) at Hulu Learn More Learn More at Hulu It's a Sin (2021) Another period drama set within relatively recent memory, Russell T. Davies' It's a Sin revisits the 1980s through the story of a group of friends living in London during the height of the HIV/AIDS crisis. The miniseries brings an impressive cast to bear on a story that tracks them through the early days of queer liberation through the developing menace of a disease that no one in the broader world was willing to talk about, much less do anything about. Davies (Queer as Folk, Doctor Who) has told queer stories before, but none quite so powerful or affecting. Stream It's a Sin. It's a Sin (2021) at HBO Max Learn More Learn More at HBO Max View the full article

Gold and silver prices rose to record highs in early trading on Monday, spurred on by a confluence of a few different political events and economic factors, including tensions over the U.S. seizing of possibly another oil tanker from Venezuela, speculation of future Federal Reserve rate cuts, overall economy insecurity, and bets on U.S. monetary policy in 2026. In 2025, gold has surged by nearly 70%, according to Bloomberg. Here’s what to know. What happened today? At the time of this writing, in midday trading on December 22, gold bullion (GC=F) was up over 1.9% to $4,472.20 and silver (SI=F) was up about 3.4%, heading toward $70 an ounce, making both headed for highest levels since 1979, per Bloomberg. How did the Fed rate cut affect gold and silver prices? Earlier this month, the Federal Reserve cut interest rates by 25 basis points, the third cut in 2025, driving federal rates to their lowest in three years and pointing to possible further cuts in the year ahead. Historically, gold prices have risen following U.S. Federal Reserve interest rate cuts, with notable gains of 31% in 2000, 39% in 2007, and and 26% in 2019 (all within 24 months). That’s because those rate cuts are often an attempt to jump-start slowing economic growth, and gold is considered a safe haven in times of economic uncertainty. In this case, gold became more appealing as bonds and other fixed-income investments yielded lower investments, according to Investopedia. Will gold hit $5,000 an ounce in 2026? Now the question is, will gold break the $5,000-an-ounce threshold next year? Nobody can say for sure, but as the bullion inches upward, Goldman Sachs is predicting gold will hit $4,900 an ounce by December 2026, and oil prices will decline to a low mid-year. View the full article

The white dome of Boudhanath rises like a silent guardian over the chaotic sprawl of Nepal’s capital, Kathmandu, crowned by a golden spire that pierces the sky. Painted on each of the spire’s four sides are the benevolent eyes of the Buddha — wide, calm, and unblinking — said to see all that unfolds below. Those eyes have served as a symbol of sanctuary for generations of Tibetans fleeing the Chinese crackdown in their homeland. But today, Tibetan refugees are also watched by far more malevolent eyes: Thousands of CCTV cameras from China, perched on street corners and rooftops to monitor every movement below. This intense surveillance has stifled the once-vibrant Free Tibet movement that had resonated around the world. Nepal is just one of at least 150 countries to which Chinese companies are supplying surveillance technology, from cameras in Vietnam to censorship firewalls in Pakistan to citywide monitoring systems in Kenya. This technology is now a key part of China’s push for global influence, as it provides cash-strapped governments cost-effective, if invasive, forms of policing — turning algorithms and data into a force multiplier for control. The irony at the heart of this digital authoritarianism is that the surveillance tools China exports are based on technology developed in its greatest rival, the United States, despite warnings that Chinese firms would buy, copy, or outright steal American designs, an investigation by The Associated Press has found. For decades, Silicon Valley firms often yielded to Beijing’s demands: Give us your technology and we will give you access to our market. Although tensions fester between Washington and Beijing, the links between American tech and Chinese surveillance continue today. For example, Amazon Web Services offers cloud services to Chinese tech giants like Hikvision and Dahua, assisting them in their overseas push. Both are on the U.S. Commerce Department’s Entity List for national security and human-rights concerns, which means transactions with them are not illegal but subject to strict restrictions. AWS told AP it adheres to ethical codes of conduct, complies with U.S. law, and does not itself offer surveillance infrastructure. Dahua said they conduct due diligence to prevent abuse of their products. Hikvision said the same, and that they “categorically reject any suggestion that the company is involved in or complicit in repression.” Chinese technology firms now offer a complete suite of telecommunications, surveillance, and digital infrastructure, with few restrictions on who they sell to or how they’re used. China pitches itself as a global security model with low crime rates, contrasting its record with the United States, said Sheena Greitens, a political scientist at the University of Texas at Austin. “It’s got a set of solutions that it’s happy to share with the world that nobody else can offer,” she said. “(But) they’re certainly exporting the tools and techniques that are very important to authoritarian rule.” The AP investigation was based on thousands of Nepali government procurement documents, corporate marketing material, leaked government and corporate documents, and interviews with more than 40 people, including Tibetan refugees and Nepali, American, and Chinese engineers, executives, experts and officials. While thousands of Tibetans once fled to Nepal every year, the number is now down to the single digits, according to Tibetan officials in Nepal. In a statement to AP, the Tibetan government in exile cited tight border controls, Nepal’s warming ties with China and “unprecedented surveillance” as reasons for the drastic plunge. A 2021 internal Nepali government report, obtained by AP, revealed that China has even built surveillance systems within Nepal and in some areas of the border buffer zone where construction is banned by bilateral agreements. In a statement to AP, the Chinese Ministry of Foreign Affairs denied coercing Western companies to hand over technology or working with Nepal to surveil Tibetans, calling it a “sheer fabrication driven by ulterior motives.” “Attempts to use Tibet-related issues to interfere in China’s internal affairs, smear China’s image, and poison the atmosphere of China-Nepal cooperation will never succeed,” the statement said. The Nepali government and the Chinese-controlled Tibetan authorities did not respond to requests for comment. Under pressure, many Tibetans are responding the only way they can: Leaving. The Tibetan population in Nepal has plunged from over 20,000 to half that or less today. Former activist Sonam Tashi gave up protesting years ago. Now 49, today he’s just a father trying to get his 10-year-old son out — before the net pulls tighter. The boy was born in Nepal but has no document proving he is either a refugee or a citizen, a result of Chinese pressure. Tashi described how those considered likely to protest are picked up in advance around key dates — like March 10, which marks the 1959 Tibetan uprising, or July 6, the Dalai Lama’s birthday. In 2018, Nepal’s police magazine confirmed that it was building predictive policing, which allows officers to watch people’s movements, identify in advance who they think will protest, and arrest them preemptively. “There are cameras everywhere,” Tashi said, sitting on a bus winding toward the Indian border. “There is no future.” ‘They gave us all the hardware’ After China crushed a Tibetan uprising in 1959, thousands fled across the Himalayas to Nepal, carrying only what they could: Religious paintings, prayer wheels, and the weight of families left behind. Their exodus, led by the charismatic Dalai Lama, captured the American imagination, with Hollywood films and actor Richard Gere’s congressional appeals putting Tibet in the spotlight. Washington trod a careful line, defending the rights and religious freedom of Tibetans without recognizing independence. Today, the future of the Free Tibet movement is in question. Without refugee cards that grant basic rights, Tibetans in Nepal can no longer open bank accounts, work legally, or leave the country. Cameras are now everywhere in Kathmandu, perched on traffic lights and swiveling from temple eaves. Most link back to a four-story brick building just a few blocks down from the Chinese embassy, where officers watch the country in real time. The building hums with the low breath of cooling fans. Inside, a wall of monitors blinks with feeds from border towns, busy markets and clogged traffic crossings. Officers in crisp blue uniforms and red caps sit in the glow, scanning scenes. Beneath the screens, a photo published in a Nepali daily shows, a sign in English and Chinese reads: “With the compliments of the Ministry of Public Security of China.” Their reach is vast. Operators can track a motorbike weaving through the capital, follow a protest as it forms, or patch an alert directly to patrol radios. Many cameras are equipped with night vision facial recognition and AI tracking — able to pick a single face out of a festival crowd or lock onto a figure until it disappears indoors. The system not only sees but is learning to remember, storing patterns of movement, building a record of lives lived under its gaze. A 34-year-old Tibetan cafe owner in the city watched the city change in quiet horror. “Now you can only be Tibetan in private,” he said. He and other Tibetans in Nepal spoke to AP anonymously, fearing retaliation. The first cameras in Boudhanath were installed in 2012, officially to deter crime. But after a Tibetan monk doused himself in petrol and set himself ablaze in front of the stupa in 2013, police added 35 night vision cameras around it. The Chinese embassy in Kathmandu worked closely with the police, said Rupak Shrestha, a professor at Simon Fraser University in Canada who studied surveillance in Nepal. He said the police received special training to use the new cameras, identify potential symbols associated with the Free Tibet movement, and anticipate dissent. In 2013, a team of Nepal Police officers crossed the northern border into Tibet for a seemingly straightforward mission: Collect police radios from Chinese authorities in Zhangmu, a remote border town, about 120 kilometers (75 miles) from Kathmandu. A truck was loaded with equipment and a few handshakes later, they were driving back to Kathmandu. The radios — made by the partly state-owned Chinese firm Hytera — looked like walkie-talkies but ran on a digital trunking system, a scaled-down mobile network for police use. Officers could talk privately, coordinate across districts, even patch into public phone lines. The entire system — radios, relay towers, software — was a $5.5 million gift from China. “They didn’t give us the money,” recalled a retired Nepali officer who made the trip. “They gave all the hardware. All Chinese.” He remembered not the border guards but the tech — sleek, reliable, and far ahead of anything they’d used before. He spoke on condition of anonymity to describe sensitive internal discussions. He said Nepal had initially considered buying the technology from the U.S. and only wanted to deploy the system in its two biggest cities. Hytera was a fraction of the cost and performed comparably, but China also wanted coverage near the border with Tibet. Nepal acquiesced. They installed the technology in Sindhupalchowk, a border district with a key road to China used by Tibetan refugees. “We understood their mindset,” the retired officer said. “A secure border.” A police envoy from the Chinese embassy began making regular visits to the Nepal Police headquarters. He’d chat over coffee, flip through brochures from Chinese companies. “He’d say, ‘You want anything?’” the retired officer recalled. China began donating tens of millions in police aid and surveillance equipment, including a new school for Nepal’s Armed Police Force. Hundreds of Nepali police traveled to China for training on policing and border control, according to Chinese government posts. Ahead of a summit of South Asian leaders in 2014, among the goods on offer were ones from Uniview, China’s pitch for an all-seeing eye. The company was the Chinese surveillance business of what was then Hewlett Packard, or HP, before it was spun off in a 2011 deal. Since 2012, Uniview has been selling mass surveillance solutions to the Tibetan police, such as a command center, and developed cameras that track ethnicities such as Uyghurs and Tibetans. Uniview installed cameras in Kathmandu for Nepal’s first “safe city” project in 2016. It started with the city’s roads, then went up across the capital — in tourist areas, religious sites, high-security zones like Parliament and the prime minister’s home. The cameras didn’t just record. Some could follow people automatically as they moved. Others were designed to use less data, making it easier to store and review footage. Hewlett Packard Enterprise, or HPE, a successor company to HP that sells security solutions, has no ownership in Uniview and declined to comment. Hytera and Uniview did not respond to requests for comment. Nearly all the cameras installed in Nepal are now made by Chinese companies like Hikvision, Dahua, and Uniview, and many come bundled with facial recognition and AI tracking software. Hikvision’s website and marketing materials advertise camera systems in Nepal linked via Hik-Connect and HikCentral Connect, cloud products that rely on Amazon Web Services. Hikvision sells to the Nepali police and government, and a template for Nepali tenders indicates CCTV cameras procured for the government are required to support Hik-Connect. In return for Beijing’s support, top Nepali officials have thanked China repeatedly over the years, promising never to allow “anti-China activities” on Nepali territory. The Nepali police head offices aren’t far from the now-forlorn Tibetan reception center, which used to shelter tired, hungry Tibetans fleeing across the border. The building is nearly empty. The gates are locked. Those who do escape, like Namkyi, arrested at 15 for protesting Chinese rule, often have to wait for weeks confined indoors until they’re smuggled out again to the Tibetan capital in exile in India. Silence has become survival. “They know they are being watched,” she said. “Even though we are free, the surveillance cameras mean we’re actually living in a big prison.” From clients to competitors From the start, U.S. companies eager for China’s vast markets exchanged technology for entry. Many were required to start joint ventures and research operations in China as a precondition for being allowed in. Dozens, if not hundreds, complied, transferring valuable know-how and expertise — even in sensitive areas like encryption or policing. Little by little, Chinese companies chipped away at the lead of American tech companies by luring talent, obtaining research, and sometimes plain copying their hardware and software. The flow of technology continued, even as U.S. officials openly accused China of economic espionage and pressuring American companies for their technology. “China is by far the most egregious actor when it comes to forced technology transfer,” Robert D. Atkinson, then-president of a think tank focused on innovation, warned Congress in a 2012 hearing. American tech resistance came to a final, definitive end later that year with Edward Snowden’s revelations that U.S. intelligence was exploiting American technology to spy on Beijing. Spooked, the Chinese government told Western firms they risked being kicked out unless they handed over their technology and provided security guarantees. After companies like HP and IBM agreed, their former partners became their fiercest global competitors — and unlike American firms, they faced few questions about the way their technology was being used. Companies like Huawei, Hikvision, and Dahua have now become global behemoths that sell surveillance systems and gear all over the world. American technology was key to this: – Uniview, the Chinese AI-powered CCTV camera supplier, supplied the first phase of Nepal’s safe city project in 2016, installing cameras in Kathmandu. Uniview was carved out of California-based HP’s China surveillance video business. – Hytera provided data infrastructure for the Nepali police, such as walkie-talkies and digital trunking technology, which enables real-time communication. Earlier this year, Hytera acknowledged stealing technology from U.S. company Motorola in a plea agreement, and had acquired German, British, Spanish, and American tech businesses in their growth phase. – Hikvision and Dahua, China’s two largest surveillance camera suppliers, sell many of the cameras now in Nepal. They partnered with Intel and Nvidia to add AI capabilities to surveillance cameras. Those ties ended after U.S. sanctions in 2019, but AWS continues to sell cloud services to both companies, which remains legal under what some lawmakers call a loophole. AWS has advertised to Chinese companies expanding overseas, including at a policing expo in 2023. – Chinese tech giant Huawei has become one of the world’s leading sellers of surveillance systems, wiring more than 200 cities with sensors. In Nepal, they supplied telecom gear and high-capacity servers at an international airport. Over the years, the company benefited from partnerships with American companies like IBM, and has been dogged by allegations of theft — including copying code from Cisco routers wholesale, a case which Huawei settled out of court in 2004. Huawei said it provides “general-purpose” products “based on recognized industry standards.” Intel has said it adheres to all laws and regulations where it operates, and cannot control end use of its products. Nvidia has said it does not make surveillance systems or work with police in China at present. IBM and Cisco declined to comment. Policing gear maker Motorola Solutions, a successor company to Motorola after it split, did not respond to requests for comment. U.S. technology transfer to Chinese firms has mostly stopped after growing controversy and a slew of sanctions in the past decade. But industry insiders say it’s too late: China, once a tech backwater, is now among the biggest exporters of surveillance technologies on earth. Few realized “the U.S. shouldn’t be selling the software to China because they might copy it, they might use it for these types of surveillance and bad stuff,” said Charles Mok, a Hong Kong IT entrepreneur and former lawmaker now living in exile as a research scholar at Stanford. “Nobody was quick enough to realize this could happen.” ‘The great big eye in the sky’ Inside a 15th-century monastery in Lo Manthang in Nepal’s Mustang district, light slants through wooden slats, catching motes of dust and the faded faces of bodhisattvas. Crumpled notes of Chinese currency lie at the feet of deities in the walled city along the Tibetan border. Here, shops stock Chinese instant noodles and cars with Chinese plates rumble down mountain roads. A gleaming white observation dome just inside Chinese territory looms over the city. Visible from 15 kilometers (9 miles) away, it’s trained on the district that has long been a refuge for Tibetans, including a guerrilla base in the 1960s. The dome is just one node in China’s vast 1,389-kilometer (863-mile) border network with Nepal — a “Great Wall of Steel” of fences, sensors, and AI-powered drones. Chinese forces have barred ethnic Tibetans from accessing traditional pastures and performing sacred rites. They have pressured residents of Lo Manthang to remove photos of the Dalai Lama from shops. And a “China-Nepal joint command mechanism” meets several times a month on border patrols and repatriations, according to a post by the Chinese-run Tibetan government. The result is that the once-porous frontier is now effectively sealed, and China’s digital dragnet reaches deep into the lives of those who live near it. In April 2024, Rapke Lama was chatting with a friend across the border on WeChat when he received an invitation to meet. He set out from his village and crossed into Tibet — only to be arrested almost immediately. Lama believes his WeChat exchange was monitored; Chinese police appeared with unsettling precision, as if they knew where to look. After accusing him — wrongly, he maintains — of helping Tibetans flee into Nepal, the police seized his phone, which had photos of the Dalai Lama and Tibetan music. Then came months in a Lhasa prison, where isolation and inadequate medical care hollowed him out. Lama did not return to Nepal until May 2025, gaunt and shaken. He later said he entered Tibet to harvest caterpillar fungus, valued in traditional Chinese medicine. Another friend who crossed the border remains in custody. “Even now, I’m scared,” Lama says. He wears masks when wandering the streets, he says, “because of that lingering fear.” The Chinese observation dome is a giant symbol of the same fear, towering over the border. “It’s the great big eye in the sky,” said a 73-year-old Tibetan hotel owner in Nepal, who spotted the installation during a trip near the border last year. “For Tibetan refugees, Nepal has become a second China.” __ Associated Press journalists Niranjan Shrestha and Binaj Gurubacharya in Kathmandu, Manish Swarup and Rishi Lekhi in New Delhi, Ashwini Bhatia in Dharamshala, India, and David Goldman in Washington contributed to this report. —Aniruddha Ghosal and Dake Kang, Associated Press View the full article

We may earn a commission from links on this page. One of the often unspoken truths of being a tech reviewer is you get to test out, recommend—and sometimes even keep!—gadgets that you would never buy for yourself, because you can't justify what they cost. This is why I tend to spend large portions of my reviews talking about price: I love a cutting edge gadget as much as the next nerd, but I have two kids and I live in the most expensive city in America. As much as I admire the Boox Palma 2 Pro, my budget doesn't really have room for a niche $400 e-reader. That's why the Xteink X4 e-reader, a minimalist 4.3-inch e-reader, is my tech upgrade of 2025: Here's a device that has no delusions of grandeur. It doesn't want to replace your phone. It doesn't want to serve up the smoothest screen tech. It doesn't want to run games or apps or seamlessly sync with you phone. It just wants to be a tiny, inexpensive e-reader that works just well enough, and is small enough to carry with you anywhere. Xteink X4 E-Reader $69.00 at Xteink Shop Now Shop Now $69.00 at Xteink The simplicity is the pointAs I make clear in my review, the Xteink X4 can in no way compete with the Palma 2 Pro (or your average Kindle, for that matter). It has an underpowered processor and no screen light. Due to digital rights management, you probably won't be able to use it to read all the Kindle books you already own (though that's really Amazon's fault). It's kind of a pain to load it up with e-books, and once you get them on there, they might not look great, as the current software can't even display paragraph indents or italics. But it also costs less than $50, and once it's all set up, it fulfills the exact same function as a pricier device: It allows me to easily carry my library around with me so I can read a book instead of staring at my phone. But because it's so very tiny—around 25% smaller and thinner than my iPhone 14—it does this better than any other device I've tried. A great communityMore than just functional, though, the Xteink X4 is fun—though admittedly, a lot of that comes from the vibrant community that has sprung up around it online. It has only been available for a few months, but it already has its own active subreddit, filled with geeky users helping each other out with FAQs, troubleshooting, and crowd-sourced galleries of screensaver images. They developed tools and shortcuts to get around the device's limited functionality, from a Calibre plugin that will optimize your EPUB files for the Xteink X4, to an online tool that will automatically convert them into much prettier image files. A few different folks are even working on entirely new firmware to replace the merely functional native software. You don't have to tinker with the Xteink X4—it's perfectly usable out of the box, once you get used to quirks like navigating its slightly confusing menus with its slightly unintuitive physical buttons—but it's fun to be engaged with a bunch of other folks who are excited about making it work better. In their outsized devotion to a niche device, these folks are bringing back the spirit of the old internet, powered by a sense of community rather than an all-knowing algorithm. Like the current retro appeal of cassette tapes, the Xteink X4 makes everything better by being a little bit worse. View the full article

A reader writes: The team I manage is very small. I am the youngest there and sometimes feel insecure about being the boss. Today in a meeting, a long-term employee who’s been here 15 years (much longer than me) announced that he would take steps to solve a certain issue. The issue needs to be addressed, his solution is good, and I appreciate him taking initiative. Nevertheless, I am not sure how to react to him just pointing out that he will handle something without speaking to me beforehand. How should I proceed? I answer this question — and two others — over at Inc. today, where I’m revisiting letters that have been buried in the archives here from years ago (and sometimes updating/expanding my answers to them). You can read it here. Other questions I’m answering there today include: Is it OK to drink with the team I manage? Are reference letters useful? The post employee announced a solution without checking with me appeared first on Ask a Manager. View the full article

American trade policy is geared towards re-industrialisation — and it’s workingView the full article

In a strategic development for digital marketing, YouTube recently announced the upcoming discontinuation of its Demand Gen program by December 2025. While the news might seem alarming at first glance, it holds essential insights for small business owners looking to maximize their online presence. Demand Gen has been instrumental in building brand awareness and driving conversions. With 68% of conversions stemming from users who didn’t previously engage with the brand, the program enabled businesses to reach untapped audiences while they were streaming, scrolling, or shopping. YouTube’s approach transformed digital marketing for small businesses by introducing a dynamic way to connect with potential customers at various stages of their buying journey. As small business owners evaluate the implications of this change, the primary benefit lies in the invaluable insights gained from the Demand Gen experience. The program significantly contributed to advertisers’ ability to reach new demographics. Leveraging video content in unique ways, it allowed brands to showcase their offerings in an engaging manner, often increasing viewer engagement and brand recall. YouTube’s announcement also echoes a broader trend in the digital advertising landscape, where real-time insights are becoming increasingly crucial. According to YouTube, “Demand Gen conversions came from users who did not see the brand’s traditional ads.” This statistic showcases an evolving consumer behavior landscape, emphasizing the importance of innovative marketing strategies. For small business owners, the takeaway is clear: even as Demand Gen faces a sunset, the lessons learned are invaluable. Businesses must pivot quickly and consider alternative strategies to maintain their reach and engagement. Content marketing that focuses on creating compelling narratives can fill the void left by the program. Engaging video content, tutorials, and behind-the-scenes looks can foster a strong connection with audiences. As the digital space evolves, small businesses also need to stay vigilant about potential challenges. With the discontinuation of Demand Gen, owners might find themselves needing to adapt quickly. The transition away from this program may disrupt campaigns built around its unique capabilities. Additionally, smaller organizations, which typically operate with tighter budgets, may face difficulties finding equally effective alternatives within the same price point. Despite these challenges, opportunities abound for those ready to innovate. Small businesses can tap into other forms of advertising available on YouTube, including traditional ads, influencer partnerships, and interactive content that drives engagement. Building a solid strategy that blends different advertising formats will be key in maintaining visibility across the platform. To successfully transition, small business owners should evaluate their current marketing strategies and explore new ways to reach target audiences. Incorporating data analytics into campaigns will be vital. Understanding audience behavior and preferences can help tailor messages that resonate, therefore ensuring engagement even without the Demand Gen framework. YouTube acknowledges the changing tides in consumer engagement, stating, “as audiences continue to evolve, we must also adapt,” signifying the need for flexibility in marketing efforts. Emphasizing creativity, business owners should look beyond conventional formats. Interactive videos, shoppable ads, and viewer polls can enhance user experience while delivering crucial brand messages. The cessation of Demand Gen may seem daunting, yet it also presents a moment for small businesses to reevaluate their marketing tactics. The digital landscape is ripe for innovation, where boutique strategies can yield significant results. Collaborating with digital marketers and content creators may yield a fresh approach, blending storytelling with promotional strategies effectively. As they navigate this transition, small business owners should monitor performance metrics closely and remain adaptable to changes in consumer behavior. By doing so, they not only mitigate potential challenges but position themselves for ongoing success in the digital marketing arena. For more insights on YouTube’s announcement and the future of digital marketing, refer to the original press release here. Image via Google Gemini This article, "YouTube Unveils Demand Gen: Reach New Audiences While They Stream" was first published on Small Business Trends View the full article

In a strategic development for digital marketing, YouTube recently announced the upcoming discontinuation of its Demand Gen program by December 2025. While the news might seem alarming at first glance, it holds essential insights for small business owners looking to maximize their online presence. Demand Gen has been instrumental in building brand awareness and driving conversions. With 68% of conversions stemming from users who didn’t previously engage with the brand, the program enabled businesses to reach untapped audiences while they were streaming, scrolling, or shopping. YouTube’s approach transformed digital marketing for small businesses by introducing a dynamic way to connect with potential customers at various stages of their buying journey. As small business owners evaluate the implications of this change, the primary benefit lies in the invaluable insights gained from the Demand Gen experience. The program significantly contributed to advertisers’ ability to reach new demographics. Leveraging video content in unique ways, it allowed brands to showcase their offerings in an engaging manner, often increasing viewer engagement and brand recall. YouTube’s announcement also echoes a broader trend in the digital advertising landscape, where real-time insights are becoming increasingly crucial. According to YouTube, “Demand Gen conversions came from users who did not see the brand’s traditional ads.” This statistic showcases an evolving consumer behavior landscape, emphasizing the importance of innovative marketing strategies. For small business owners, the takeaway is clear: even as Demand Gen faces a sunset, the lessons learned are invaluable. Businesses must pivot quickly and consider alternative strategies to maintain their reach and engagement. Content marketing that focuses on creating compelling narratives can fill the void left by the program. Engaging video content, tutorials, and behind-the-scenes looks can foster a strong connection with audiences. As the digital space evolves, small businesses also need to stay vigilant about potential challenges. With the discontinuation of Demand Gen, owners might find themselves needing to adapt quickly. The transition away from this program may disrupt campaigns built around its unique capabilities. Additionally, smaller organizations, which typically operate with tighter budgets, may face difficulties finding equally effective alternatives within the same price point. Despite these challenges, opportunities abound for those ready to innovate. Small businesses can tap into other forms of advertising available on YouTube, including traditional ads, influencer partnerships, and interactive content that drives engagement. Building a solid strategy that blends different advertising formats will be key in maintaining visibility across the platform. To successfully transition, small business owners should evaluate their current marketing strategies and explore new ways to reach target audiences. Incorporating data analytics into campaigns will be vital. Understanding audience behavior and preferences can help tailor messages that resonate, therefore ensuring engagement even without the Demand Gen framework. YouTube acknowledges the changing tides in consumer engagement, stating, “as audiences continue to evolve, we must also adapt,” signifying the need for flexibility in marketing efforts. Emphasizing creativity, business owners should look beyond conventional formats. Interactive videos, shoppable ads, and viewer polls can enhance user experience while delivering crucial brand messages. The cessation of Demand Gen may seem daunting, yet it also presents a moment for small businesses to reevaluate their marketing tactics. The digital landscape is ripe for innovation, where boutique strategies can yield significant results. Collaborating with digital marketers and content creators may yield a fresh approach, blending storytelling with promotional strategies effectively. As they navigate this transition, small business owners should monitor performance metrics closely and remain adaptable to changes in consumer behavior. By doing so, they not only mitigate potential challenges but position themselves for ongoing success in the digital marketing arena. For more insights on YouTube’s announcement and the future of digital marketing, refer to the original press release here. Image via Google Gemini This article, "YouTube Unveils Demand Gen: Reach New Audiences While They Stream" was first published on Small Business Trends View the full article

It’s easier and quicker to sell to existing clients than to new ones. By August Aquila MAX: Maximize Productivity, Profitability and Client Retention Go PRO for members-only access to more August J. Aquila. View the full article

It’s easier and quicker to sell to existing clients than to new ones. By August Aquila MAX: Maximize Productivity, Profitability and Client Retention Go PRO for members-only access to more August J. Aquila. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Though the Kindle Scribe is already on its third generation, the first-generation model still has a place for anyone looking to nab one of these note-taking e-readers for less. Released in 2022, the original Kindle Scribe is still relevant in 2025 simply for its price. Right now, the 16GB version of the 2022 Scribe with the Premium Pen is discounted to $221.99 (originally $369.99), the lowest price this reader has seen since its release, according to price-tracking tools, and a great opportunity to snatch one for a bargain. The newer 2024 version is also seeing a decent discount, with the 32GB version of the 2024 Scribe going for $279.99 (originally $419.99). Kindle Scribe (16 GB) the first Kindle for reading, writing, journaling and sketching - with a 10.2” 300 ppi Paperwhite display, includes Premium Pen $221.99 at Amazon $369.99 Save $148.00 Get Deal Get Deal $221.99 at Amazon $369.99 Save $148.00 That said, if you are considering the 2024 version, there's not much reason to upgrade—the main difference is that the 2024 version tablet itself is shorter, narrower, and slimmer, but not by much (you can even still use the same case). The 2024 version's new screen also has texture, which will add some resistance when you're writing on it for a more natural feel. The gap between the screen and the outer casing is also smaller. But that's where the differences end. Otherwise, you'll get the same book format compatibility, the same 15.3 oz weight, the same glare-free 300 ppi front-lit display screen, and the same 12-week battery life. Both tablets run the same software. Still, if you don't own a Scribe at all and are considering getting one, the 2022 version is the most affordable option at the current price point—it's over 50% cheaper than the new 2025 model. Apple AirPods Pro 3 Noise Cancelling Heart Rate Wireless Earbuds — $199.00 (List Price $249.00) Sony WH-1000XM5 — $248.00 (List Price $399.99) Samsung Galaxy Tab A9+ 10.9" 64GB Wi-Fi Tablet (Graphite) — $139.99 (List Price $219.99) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Blink Outdoor 4 1080p 3-Camera Kit With Sync Module Core — $74.99 (List Price $189.99) Amazon Fire TV Stick 4K Plus — $29.99 (List Price $49.99) Meta Quest 3 512GB Mixed Reality VR Headset with Controllers — $499.00 (List Price $499.00) Deals are selected by our commerce team View the full article

Show clients issues and opportunities in the current process. By Domenick J. Esposito 8 Steps to Great Go PRO for members-only access to more Dom Esposito. View the full article

Show clients issues and opportunities in the current process. By Domenick J. Esposito 8 Steps to Great Go PRO for members-only access to more Dom Esposito. View the full article

Just when you think you’ve wrapped your mind around computers that can put your dog in front of the Eiffel Tower or chatbots that act like your best friend (or lover), the AI behemoths surprise you with a fully AI-powered TikTok or the ability to virtually bring back your dead relatives. I’ve worked in the AI space for 15 years. I served as an early beta tester for OpenAI in 2020, when I predicted that a little model called GPT-3 had world-changing potential. It was later released as something called “ChatGPT”–perhaps you’ve heard of it? I’ve also called several big AI trends correctly, including the rise of video generators and the “AI Wars” between Google and OpenAI. Based on my experience, here are my six AI predictions for 2026 and beyond. 1. OpenAI goes garlic In late 2025, Google’s Gemini model started to gain ground on OpenAI and its GPT-5.1 system. That apparently really irked Sam Altman and the OpenAI team. Altman reportedly called a “code red,” directing staff to focus all their efforts on besting Google. Rumor had it they were developing a new, fully re-trained thinking model, codenamed Garlic. When OpenAI did a surprise drop of a new GPT-5.2 model in mid December, lots of people thought it might be Garlic coming to market. Based on my own testing, it’s not. Or at least, it’s not the complete model. GPT-5.2 is indeed better than the previous model. It’s faster and more efficient, and makes fewer errors. It’s also notably better at scientific tasks, and practical ones like coding. But now it appears there will be a second new OpenAI release, which I expect to come out in January. That’s most likely the full Garlic model. This new model, I predict, will have a new knowledge cutoff sometime in 2025, a broader context window, and much better image generation capabilities. It will also be faster and more efficient to run, especially on “thinking” tasks. 2. Google’s Gemini continues its march toward domination Whenever it finally arrives, Garlic will enter the world with plenty of competition. Google was very slow to roll up to the generative AI table. For a company that’s been working in deep learning for decades and has some of the most intelligent people in the world working for it, that felt like a big miss. Google had reportedly developed its own ChatGPT years before OpenAI, but chickened out on releasing it. In the beginning of the AI race, that allowed OpenAI to very loudly and publicly eat Google’s lunch. The history of science, though, is littered with examples where early innovators weren’t the ones who successfully commercialized a new technology. Just ask Joseph Swan, the true inventor of the lightbulb. You’ve never heard of him. But you do know Thomas Edison, who made the lightbulb a widely available technology—and did a great job promoting his invention (and himself) in the process. Historically, first-mover advantage has proven surprisingly inconsequential in the tech space. And now that Google has woken up to the importance of AI, they’re aggressively building out their Gemini model and integrating it into almost all their products, including their core search experience. Google has more data, more resources (including its own custom AI chips), more people, and a much broader reach than OpenAI. In 2026, Google will continue to throw its weight around in generative AI. Gemini will go from being an also-ran to one of the most powerful models on the market. Because it will be broadly integrated into products that normal people use on a day-to-day basis, it will immediately have an audience in the billions. The struggle now isn’t for newer companies like OpenAI to create the best product. It’s to create a product better than Google’s. That will be very hard in 2026 and beyond. 3. Chatbots become therapy (and a bit more) Users have already realized that ChatGPT can take the place of a human therapist. In a recent poll by the Economist, 25% of people reported turning to chatbots for mental health support. As cases of AI psychosis and alleged suicides demonstrate, this can go very badly. But for people who can’t afford any kind of psychological support—or simply don’t have access to it in their language or country—using chatbots as cheap therapists is incredibly appealing. Without directly saying so, OpenAI has implied that they’re moving ChatGPT further into this space, with improvements to how the bot handles sensitive medical and mental health conversations. This could be a huge boon for mental health. Many people appear more comfortable discussing their problems with an unthinking bot than with a human. The fact that a session with ChatGPT doesn’t cost $300 per hour is also a big plus! ChatGPT’s capabilities will expand in other ways, too. A rumored “adult mode” will arrive in 2026, allowing ChatGPT to write risqué material. Prepare yourself for a wave of frenzied op-eds about how people are turning to these newly salacious for relationships instead of fellow humans. 4. AI-generated videos take over—and not just on Sora OpenAI’s AI-powered Sora video generator is incredibly powerful, and their Sora-based social network is incredibly fun to use. In 2026 and beyond, expect to see the reach and importance of AI-generated vertical video accelerate. Vertical video is the perfect format for AI. The clips tend to be short, which caters to AI’s ability to generate about 10 seconds of reliable video before things go off the rails. They also tend to be grabby and compelling. Again, AI excels at making videos of things like people falling into wedding cakes or having heated arguments with their roommates. In 2026, expect the reach of AI-powered social networks like Sora to grow dramatically. The biggest growth, though, will come from these videos migrating off the Sora platform and onto other social media. Already, my Facebook Reels feed is dominated by clearly AI-generated videos of things like a cat saving her kittens from a flood or grandmothers fighting grizzly bears. In 2026, AI videos won’t stay put. They’ll travel into every vertical video space on the web—from TikTok to Nextdoor—further blurring the lines between what’s real and what’s imagined. 5. Electricity becomes the limiting factor I have friends who build data centers for a living. They tell me the only thing stopping them from building more data centers is finding enough electrical power to keep up with AI’s demands. Some companies are reportedly even going nuclear, building or recommissioning fully functional reactors to power their electricity-hungry AI chips. The need for more electrical power for AI will start to limit the tech’s growth in 2026. It will also rub up against society’s other needs. In 2026, I expect a populist backlash against the fact that data centers’ voracious energy demands are raising electricity rates for everyday people. Ultimately, the deficiencies of today’s grid–strained as it is by the rise of AI–will drive innovative, new models that are good for everybody. Cheap solar power at midday may be redirected toward data centers, for example, or stored in giant batteries to keep servers running overnight. This demand will create a huge market for green technologies, ultimately benefiting the planet and everyone on it. 6. AI invades the real world No, the robot uprising isn’t here just yet. But AI is increasingly invading the real world. Self-driving cars were once a novelty. In 2026, usage will explode, with Zoox, Waymo and their competitors–including entrants from China–serving more cities. The rise of self-driving vehicles and other physical manifestations of AI technology will surprise people. You’ll blink, and one day it will feel like nearly every car on the road is self-driving—as it currently does in my home city of San Francisco. I expect to see other experiments with physical AI in 2026, from robot baristas to caregiving machines, and plenty of military AI tech, too. Again, though, the self-driving car blitz coming in 2026 will be the most profound and surprising (to everyday people, anyway) implementation of the technology. It will arrive far sooner than you think. A pat on the back So that’s what I anticipate for the year ahead. As someone who’s been in the AI space for a long time, I’ve missed some things. But I also wrote, two years before ChatGPT, that “OpenAI and its founders could easily make billions (and likely challenge the advertising and content recommendation engines of rivals like Google) by throwing caution to the wind and throwing open the doors to GPT-3 to all comers.” I still pat myself on the back for that one. How will my 2026 predictions shape up? Ask me in a year! View the full article

When Spike Jonze's movie Her dropped back in 2013, I thought it was a great work of total fiction. Who would actually befriend an AI bot, let alone fall in love with them? Fast forward 12 years, and I couldn't have been more wrong. Not only do people love chatting with AI bots, they are actually developing deep connections with them. I still don't get it, but I can't deny it: People like these chatbots a lot. Part of what people like about conversations with generative AI is the "personality" of each bot—or, at least, its perceived personality. After all, ChatGPT isn't a monolith: You can adjust the bot to sound wildly different than it does on someone else's app, which raises some questions for me regarding these curated companions. But I digress: This article isn't necessarily a critique of how people are attaching themselves to ChatGPT; rather, I'm sharing the news that OpenAI is now giving you more control over how the bot sounds and responds in your conversations. Curate your perfect AI companion On Friday, OpenAI announced new controls for ChaGPT's "Personalization." In a post on X, the company revealed that users can now adjust their chatbot's "characteristics," or, in other words, its overall personality. These are adjustments to the personality types that OpenAI has already let you choose from, which include one of eight options: "Default" (preset style and tone); "Professional" (polished and precise); "Friendly" (warm and chatty); "Candid" (direct and encouraging); "Quirky" (playful and imaginative); "Efficient" (concise and plain); "Nerdy" (exploratory and enthusiastic); and "Cynical" (critical and sarcastic). But no matter which of these personalities you pick, you now have four "characteristics" to adjust to fine-tune the overall experience. There's "Warm," "Enthusiastic," "Headers & Lists," and "Emoji," with the option to have more or less of each, or the default amount, as OpenAI sees fit. For Warm, you can either have ChatGPT be friendlier and more personable, or more professional and factual. With Enthusiastic, you can choose the bot to have more energy and excitement, or be calmer and more neutral. "Headers & Lists" lets you choose between clear formatting and lists, or more paragraphs. And, of course, you can control whether ChatGPT uses more emoji, or fewer, depending on your sense of fun and joy. As usual, you can take advantage of custom instructions to guide ChatGPT's personality in a direction you like, especially when the presets don't give you those options. For example, if you'd like ChatGPT to talk to you like a pirate, or if you want it to end every response with a certain catchphrase, here's your chance to influence the bot. I'm really not someone who uses ChatGPT outside of testing it for coverage, so I can't speak to whether these additional controls are useful. But if you want to try making your version of ChatGPT your ideal "AI companion," the controls are at your disposal. You'll find these options wherever you access ChatGPT. You can either access it from Settings > Personalization, or from the Personalization shortcut in the ChatGPT menu. View the full article

When you’re considering a commercial mortgage, it’s crucial to evaluate your options carefully. Lenders like Lendio offer connections to multiple funding sources, whereas RCN Capital provides flexible loan terms. U.S. Bank thrives in commercial real estate and SBA loans, and 1West accommodates borrowers with varying credit. Comprehending these lenders can help you make informed decisions. Let’s explore each option in detail to find the right fit for your investment needs. Key Takeaways Lendio connects borrowers with over 75 lenders, offering a quick online application process without affecting credit scores. RCN Capital specializes in non-owner-occupied properties, providing flexible terms and no upfront fees during preapproval. U.S. Bank offers competitive rates for CRE and SBA loans but requires established business qualifications and lacks an online application option. 1West has no minimum gross sales requirement and provides access to over 50 lenders, accommodating those with less-than-perfect credit. SBG Funding focuses on short-term SBA 7(a) financing with no prepayment penalties, catering to applicants with strong cash flow. Lendio: Best Overall for Multiple Options When you’re seeking commercial mortgage options, Lendio stands out as the best overall choice for multiple financing solutions. Acting as a marketplace, Lendio connects you with over 75 commercial mortgage lenders, simplifying the loan application process. You can complete the online application in under 15 minutes, and it won’t impact your credit score. Lendio offers a wide variety of commercial loan types, allowing you to compare options customized to your specific needs. As Lendio maintains general minimum qualification standards, it provides flexibility, accommodating various borrower profiles. Moreover, if you have questions or need assistance, Lendio’s support team is available via phone and email, ensuring you have guidance throughout your financing process, making it a reliable commercial mortgage broker. RCN Capital: Flexible Loan Terms RCN Capital stands out in the commercial mortgage arena by offering flexible loan terms customized to meet a variety of financing needs. They provide some of the lowest starting interest rates and longest repayment terms, ensuring you can find a solution that fits your budget. Furthermore, RCN specializes in loans backed by non-owner-occupied and commercial properties, which can cater to diverse projects, such as: Fix and flip projects Long-term rental investments New construction developments Other commercial ventures Moreover, RCN Capital doesn’t charge upfront lender fees during the preapproval or approval stages, though third-party costs may apply. With an easy online application process, you can conveniently initiate your loan request and explore your options with confidence. U.S. Bank: Best for CRE or SBA Loan Options If you’re considering a loan for commercial real estate or a small business, U.S. Bank offers competitive rates that could suit your needs. Nevertheless, keep in mind that their strict qualification criteria typically favor established businesses with good credit and solid financials. Whereas their flexible underwriting might accommodate various borrower profiles, you’ll need to schedule an appointment or make a call to discuss your options, as they don’t have an online application process. Competitive Rates Offered U.S. Bank stands out for its competitive rates on both Commercial Real Estate (CRE) and Small Business Administration (SBA) loans, making it a prime choice for borrowers. Here’s what you can expect: Favorable Financing: Attractive rates help you manage costs effectively. Quick Funding Decisions: As an SBA Preferred Lender, U.S. Bank accelerates the loan process. Flexible Terms: Options cater to various property types, accommodating diverse business needs. Personalized Assistance: Although online applications aren’t available, you’ll receive customized support through in-person or phone consultations. These features enable you to make informed decisions as you steer through the financing environment, ensuring you find a solution that best fits your business objectives. U.S. Bank’s competitive offerings improve your chances of securing the funding you need. Strict Qualification Criteria When considering U.S. Bank for your commercial mortgage needs, be prepared for strict qualification criteria. The bank typically requires borrowers to demonstrate good credit and a robust financial profile, which guarantees a lower risk for them. As an SBA Preferred Lender, U.S. Bank can expedite funding decisions, benefiting those who need quicker access to capital. Nevertheless, it’s essential to acknowledge that there’s no online application process; you’ll need to schedule an appointment or call to discuss your options. Although the bank maintains strict guidelines, some flexibility in underwriting may exist for specific programs, allowing you to explore customized solutions that meet your unique financial situation. 1West: Flexible Credit Requirements When you consider financing options with 1West, you’ll find a loan marketplace that connects you with over 50 lenders, giving you the flexibility to choose what suits your needs. There’s no minimum gross sales requirement, which opens up opportunities for businesses seeking funds for purchasing, renovating, or broadening commercial properties. Plus, with interest-only payment options available, you can manage your monthly costs more effectively, even though your credit isn’t perfect. Loan Marketplace Advantages In the competitive terrain of commercial mortgage lending, 1West stands out by offering a loan marketplace that caters to a diverse range of borrowers, particularly those with flexible credit requirements. By connecting you with over 50 lenders, 1West guarantees you have many financing options available. Key advantages of this marketplace include: No minimum gross sales: This allows more businesses to qualify for loans. Diverse loan purposes: You can secure funding for purchasing, renovating, or broadening properties. Interest-only payment options: These can help reduce your monthly costs and improve cash flow management. Accessibility for borrowers with less-than-perfect credit: This feature opens doors to funding that might otherwise be unavailable. With these benefits, 1West simplifies the borrowing process for you. Varied Property Financing Options Varied property financing options are essential for businesses looking to adapt to their unique needs and circumstances. 1West offers a range of loans that cater to different objectives, whether you’re purchasing a new commercial property, renovating an existing one, or broadening your operations. As a loan marketplace, 1West connects you with over 50 lenders, ensuring flexible credit requirements. You won’t face minimum gross sales requirements, making it easier for various businesses to qualify. This accessibility is particularly beneficial for those with less-than-perfect credit, enhancing your financing opportunities. Loans can be used for different purposes, including expansions or upgrades, giving you the freedom to choose the best option for your business’s growth and development. Interest-Only Payment Flexibility How can interest-only payment options benefit your commercial financing strategy? 1West provides borrowers with the flexibility to choose interest-only payments during the initial repayment period, significantly reducing monthly expenses. This arrangement can be particularly advantageous for businesses looking to manage cash flow effectively. Here are key benefits of interest-only payment options: Lower monthly payments allow for better budget management. Flexibility to utilize saved funds for other business investments. No minimum gross sales requirement broadens eligibility for various businesses. Suitable for purchasing, renovating, or enlarging commercial properties. SBG Funding: Best for Short-Term SBA 7(a) Funding SBG Funding stands out as a premier option for those seeking short-term SBA 7(a) financing, particularly as it offers loan amounts that can reach up to $10 million, considerably higher than typical limits. This flexibility allows you to address various business needs, whether you’re acquiring real estate or covering working capital. One of the advantages of SBG is that there are no prepayment penalties, giving you the freedom to pay off or refinance your loan early without incurring extra costs. Their qualification criteria are likewise accommodating, focusing on applicants with strong cash flow and profitability, which improves your chances of approval. Plus, the online application process is efficient, taking less than 10 minutes to complete, making it accessible for you. JPMorgan Chase: Experienced Investors Recommended In regard to commercial mortgage lending, JPMorgan Chase is often recommended by experienced investors for its extensive range of financing options customized for various property types and investment needs. Here are some key reasons why you might consider them: They offer multifamily lending with loans from $500,000 to over $25 million for apartment buildings. Commercial mortgage lending starts at $1 million, particularly for stabilized industrial and retail properties. Small business financing options begin at $50,000, making them accessible for diverse business needs. Their strong reputation and expertise in the commercial mortgage sector are especially beneficial for larger transactions. Keep in mind that financing availability may be limited to certain states and markets, so checking regional lending options is crucial. How to Choose the Best Commercial Real Estate Lenders Choosing the best commercial real estate lender can greatly influence your financing experience and overall investment success. Start by prioritizing competitive pricing and flexible terms, as these directly affect your total financing costs. Evaluate the lender’s qualification criteria, including credit score and revenue requirements, to guarantee you meet their standards. Next, compare loan amounts and terms from various lenders to find a solution that aligns with your project’s size and goals. Don’t forget to reflect on associated costs like down payments and origination fees, which can vary considerably and impact your budget. Finally, research each lender’s reputation and customer service reviews to ensure you receive reliable support throughout the application and funding process. Frequently Asked Questions Which Bank Is Best for a Commercial Property Loan? When choosing a bank for a commercial property loan, consider your specific needs. JPMorgan Chase offers diverse financing options, whereas Bank of America specializes in SBA loans and veteran rewards. If competitive rates are a priority, U.S. Bank might be a fit, though they’ve stricter qualification criteria. Wells Fargo provides various loan types, and Lendio can simplify your search by connecting you with multiple lenders to compare options effectively. What Type of Loan Is Best for Commercial Property? The best type of loan for commercial property depends on your goals. If you’re purchasing, a traditional commercial mortgage might suit you. For renovations, consider an SBA loan, which can offer favorable terms. If you need quick funding, a bridge loan can provide short-term financing. Keep in mind that interest rates vary between 4% and 11%, influenced by your creditworthiness, and loan terms can range from 12 months to 30 years. Who Are the Big 6 Mortgage Lenders? The Big 6 mortgage lenders are the major players in the commercial mortgage market. They include JPMorgan Chase, Wells Fargo, Bank of America, Citigroup, Goldman Sachs, and U.S. Bank. Each lender offers various products customized to different property types and borrower needs. For example, JPMorgan Chase specializes in multifamily loans, whereas Wells Fargo is known for strong commercial and multifamily support. Comprehending these lenders can help you choose the right financing option for your needs. What Is a Good Interest Rate for a Commercial Loan? A good interest rate for a commercial loan usually falls between 4% and 11%. If you have a strong credit profile, you might secure rates closer to 4%. Nonetheless, if your financial situation is riskier, expect higher rates. Loan terms matter; shorter loans typically offer lower rates. Furthermore, fixed-rate loans provide stability, whereas variable rates can change with market conditions, impacting your overall borrowing costs considerably. Always assess your options carefully. Conclusion In conclusion, when selecting a commercial mortgage lender, consider your specific needs and financial situation. Lendio offers diverse options, whereas RCN Capital provides flexibility. U.S. Bank is ideal for CRE and SBA loans, and 1West accommodates various credit scores. If you need short-term funding, SBG Funding is a strong choice, and JPMorgan Chase is suited for larger investments. Carefully evaluate these lenders to find the best fit for your investment goals and financing requirements. Image via Google Gemini This article, "7 Top Commercial Mortgage Lenders to Consider" was first published on Small Business Trends View the full article

When you’re considering a commercial mortgage, it’s crucial to evaluate your options carefully. Lenders like Lendio offer connections to multiple funding sources, whereas RCN Capital provides flexible loan terms. U.S. Bank thrives in commercial real estate and SBA loans, and 1West accommodates borrowers with varying credit. Comprehending these lenders can help you make informed decisions. Let’s explore each option in detail to find the right fit for your investment needs. Key Takeaways Lendio connects borrowers with over 75 lenders, offering a quick online application process without affecting credit scores. RCN Capital specializes in non-owner-occupied properties, providing flexible terms and no upfront fees during preapproval. U.S. Bank offers competitive rates for CRE and SBA loans but requires established business qualifications and lacks an online application option. 1West has no minimum gross sales requirement and provides access to over 50 lenders, accommodating those with less-than-perfect credit. SBG Funding focuses on short-term SBA 7(a) financing with no prepayment penalties, catering to applicants with strong cash flow. Lendio: Best Overall for Multiple Options When you’re seeking commercial mortgage options, Lendio stands out as the best overall choice for multiple financing solutions. Acting as a marketplace, Lendio connects you with over 75 commercial mortgage lenders, simplifying the loan application process. You can complete the online application in under 15 minutes, and it won’t impact your credit score. Lendio offers a wide variety of commercial loan types, allowing you to compare options customized to your specific needs. As Lendio maintains general minimum qualification standards, it provides flexibility, accommodating various borrower profiles. Moreover, if you have questions or need assistance, Lendio’s support team is available via phone and email, ensuring you have guidance throughout your financing process, making it a reliable commercial mortgage broker. RCN Capital: Flexible Loan Terms RCN Capital stands out in the commercial mortgage arena by offering flexible loan terms customized to meet a variety of financing needs. They provide some of the lowest starting interest rates and longest repayment terms, ensuring you can find a solution that fits your budget. Furthermore, RCN specializes in loans backed by non-owner-occupied and commercial properties, which can cater to diverse projects, such as: Fix and flip projects Long-term rental investments New construction developments Other commercial ventures Moreover, RCN Capital doesn’t charge upfront lender fees during the preapproval or approval stages, though third-party costs may apply. With an easy online application process, you can conveniently initiate your loan request and explore your options with confidence. U.S. Bank: Best for CRE or SBA Loan Options If you’re considering a loan for commercial real estate or a small business, U.S. Bank offers competitive rates that could suit your needs. Nevertheless, keep in mind that their strict qualification criteria typically favor established businesses with good credit and solid financials. Whereas their flexible underwriting might accommodate various borrower profiles, you’ll need to schedule an appointment or make a call to discuss your options, as they don’t have an online application process. Competitive Rates Offered U.S. Bank stands out for its competitive rates on both Commercial Real Estate (CRE) and Small Business Administration (SBA) loans, making it a prime choice for borrowers. Here’s what you can expect: Favorable Financing: Attractive rates help you manage costs effectively. Quick Funding Decisions: As an SBA Preferred Lender, U.S. Bank accelerates the loan process. Flexible Terms: Options cater to various property types, accommodating diverse business needs. Personalized Assistance: Although online applications aren’t available, you’ll receive customized support through in-person or phone consultations. These features enable you to make informed decisions as you steer through the financing environment, ensuring you find a solution that best fits your business objectives. U.S. Bank’s competitive offerings improve your chances of securing the funding you need. Strict Qualification Criteria When considering U.S. Bank for your commercial mortgage needs, be prepared for strict qualification criteria. The bank typically requires borrowers to demonstrate good credit and a robust financial profile, which guarantees a lower risk for them. As an SBA Preferred Lender, U.S. Bank can expedite funding decisions, benefiting those who need quicker access to capital. Nevertheless, it’s essential to acknowledge that there’s no online application process; you’ll need to schedule an appointment or call to discuss your options. Although the bank maintains strict guidelines, some flexibility in underwriting may exist for specific programs, allowing you to explore customized solutions that meet your unique financial situation. 1West: Flexible Credit Requirements When you consider financing options with 1West, you’ll find a loan marketplace that connects you with over 50 lenders, giving you the flexibility to choose what suits your needs. There’s no minimum gross sales requirement, which opens up opportunities for businesses seeking funds for purchasing, renovating, or broadening commercial properties. Plus, with interest-only payment options available, you can manage your monthly costs more effectively, even though your credit isn’t perfect. Loan Marketplace Advantages In the competitive terrain of commercial mortgage lending, 1West stands out by offering a loan marketplace that caters to a diverse range of borrowers, particularly those with flexible credit requirements. By connecting you with over 50 lenders, 1West guarantees you have many financing options available. Key advantages of this marketplace include: No minimum gross sales: This allows more businesses to qualify for loans. Diverse loan purposes: You can secure funding for purchasing, renovating, or broadening properties. Interest-only payment options: These can help reduce your monthly costs and improve cash flow management. Accessibility for borrowers with less-than-perfect credit: This feature opens doors to funding that might otherwise be unavailable. With these benefits, 1West simplifies the borrowing process for you. Varied Property Financing Options Varied property financing options are essential for businesses looking to adapt to their unique needs and circumstances. 1West offers a range of loans that cater to different objectives, whether you’re purchasing a new commercial property, renovating an existing one, or broadening your operations. As a loan marketplace, 1West connects you with over 50 lenders, ensuring flexible credit requirements. You won’t face minimum gross sales requirements, making it easier for various businesses to qualify. This accessibility is particularly beneficial for those with less-than-perfect credit, enhancing your financing opportunities. Loans can be used for different purposes, including expansions or upgrades, giving you the freedom to choose the best option for your business’s growth and development. Interest-Only Payment Flexibility How can interest-only payment options benefit your commercial financing strategy? 1West provides borrowers with the flexibility to choose interest-only payments during the initial repayment period, significantly reducing monthly expenses. This arrangement can be particularly advantageous for businesses looking to manage cash flow effectively. Here are key benefits of interest-only payment options: Lower monthly payments allow for better budget management. Flexibility to utilize saved funds for other business investments. No minimum gross sales requirement broadens eligibility for various businesses. Suitable for purchasing, renovating, or enlarging commercial properties. SBG Funding: Best for Short-Term SBA 7(a) Funding SBG Funding stands out as a premier option for those seeking short-term SBA 7(a) financing, particularly as it offers loan amounts that can reach up to $10 million, considerably higher than typical limits. This flexibility allows you to address various business needs, whether you’re acquiring real estate or covering working capital. One of the advantages of SBG is that there are no prepayment penalties, giving you the freedom to pay off or refinance your loan early without incurring extra costs. Their qualification criteria are likewise accommodating, focusing on applicants with strong cash flow and profitability, which improves your chances of approval. Plus, the online application process is efficient, taking less than 10 minutes to complete, making it accessible for you. JPMorgan Chase: Experienced Investors Recommended In regard to commercial mortgage lending, JPMorgan Chase is often recommended by experienced investors for its extensive range of financing options customized for various property types and investment needs. Here are some key reasons why you might consider them: They offer multifamily lending with loans from $500,000 to over $25 million for apartment buildings. Commercial mortgage lending starts at $1 million, particularly for stabilized industrial and retail properties. Small business financing options begin at $50,000, making them accessible for diverse business needs. Their strong reputation and expertise in the commercial mortgage sector are especially beneficial for larger transactions. Keep in mind that financing availability may be limited to certain states and markets, so checking regional lending options is crucial. How to Choose the Best Commercial Real Estate Lenders Choosing the best commercial real estate lender can greatly influence your financing experience and overall investment success. Start by prioritizing competitive pricing and flexible terms, as these directly affect your total financing costs. Evaluate the lender’s qualification criteria, including credit score and revenue requirements, to guarantee you meet their standards. Next, compare loan amounts and terms from various lenders to find a solution that aligns with your project’s size and goals. Don’t forget to reflect on associated costs like down payments and origination fees, which can vary considerably and impact your budget. Finally, research each lender’s reputation and customer service reviews to ensure you receive reliable support throughout the application and funding process. Frequently Asked Questions Which Bank Is Best for a Commercial Property Loan? When choosing a bank for a commercial property loan, consider your specific needs. JPMorgan Chase offers diverse financing options, whereas Bank of America specializes in SBA loans and veteran rewards. If competitive rates are a priority, U.S. Bank might be a fit, though they’ve stricter qualification criteria. Wells Fargo provides various loan types, and Lendio can simplify your search by connecting you with multiple lenders to compare options effectively. What Type of Loan Is Best for Commercial Property? The best type of loan for commercial property depends on your goals. If you’re purchasing, a traditional commercial mortgage might suit you. For renovations, consider an SBA loan, which can offer favorable terms. If you need quick funding, a bridge loan can provide short-term financing. Keep in mind that interest rates vary between 4% and 11%, influenced by your creditworthiness, and loan terms can range from 12 months to 30 years. Who Are the Big 6 Mortgage Lenders? The Big 6 mortgage lenders are the major players in the commercial mortgage market. They include JPMorgan Chase, Wells Fargo, Bank of America, Citigroup, Goldman Sachs, and U.S. Bank. Each lender offers various products customized to different property types and borrower needs. For example, JPMorgan Chase specializes in multifamily loans, whereas Wells Fargo is known for strong commercial and multifamily support. Comprehending these lenders can help you choose the right financing option for your needs. What Is a Good Interest Rate for a Commercial Loan? A good interest rate for a commercial loan usually falls between 4% and 11%. If you have a strong credit profile, you might secure rates closer to 4%. Nonetheless, if your financial situation is riskier, expect higher rates. Loan terms matter; shorter loans typically offer lower rates. Furthermore, fixed-rate loans provide stability, whereas variable rates can change with market conditions, impacting your overall borrowing costs considerably. Always assess your options carefully. Conclusion In conclusion, when selecting a commercial mortgage lender, consider your specific needs and financial situation. Lendio offers diverse options, whereas RCN Capital provides flexibility. U.S. Bank is ideal for CRE and SBA loans, and 1West accommodates various credit scores. If you need short-term funding, SBG Funding is a strong choice, and JPMorgan Chase is suited for larger investments. Carefully evaluate these lenders to find the best fit for your investment goals and financing requirements. Image via Google Gemini This article, "7 Top Commercial Mortgage Lenders to Consider" was first published on Small Business Trends View the full article

Construction teams rely on clear updates to keep projects moving forward. A solid construction progress report helps track work completed, flag issues early and align teams and stakeholders. With effective construction progress reporting, you gain visibility into schedules, costs and performance so everyone knows where the project stands and what comes next. Let’s explore this topic so you and your team can generate more effective reports. What Is a Construction Progress Report? A construction progress report is a structured update that tracks how a construction project is performing against its plan. It documents completed work, current activities, upcoming tasks and any issues affecting schedule, cost or scope. Effective construction progress reporting gives stakeholders clear visibility into timelines, budgets and risks so project managers can make informed decisions and keep work moving forward. What Is the Purpose of a Construction Progress Report? The purpose of a construction progress report is to clearly communicate how a project is advancing compared to the plan. It documents completed work, ongoing activities, upcoming tasks and any issues affecting schedule, cost or quality. Construction progress reporting helps project managers identify risks early, support better decision-making and keep stakeholders aligned. These reports also create a historical record that supports accountability, change orders and future planning across the full project lifecycle. To make the reporting process even easier, utilize ProjectManager. In addition to project views like the Gantt chart, kanban board, calendar and task list, we also have dashboards and reports that automatically collect live project data. In a few clicks, utilize AI Project Insights for in-depth analyses on your projects and generate a custom progress report to share with stakeholders. Get started with a free 30-day trial. /wp-content/uploads/2020/10/Light-mode-reporting-CTA-e1711992940366.pngLearn more Who Makes the Construction Progress Report? The construction project manager, site superintendent or construction manager usually creates the construction progress report. In some cases, engineers, inspectors or project controls teams contribute data related to schedule, costs or quality. While one person usually owns the report, accurate construction progress reporting relies on input from multiple team members, including subcontractors and field crews. This collaboration ensures the report reflects real-time conditions rather than assumptions or outdated information. When to Make a Construction Progress Report Construction progress reports are most often created on a weekly or monthly basis, depending on project size and contract requirements. Weekly reports help track short-term progress, labor productivity and site issues, while monthly reports support higher-level reviews of schedule, budget and milestones. Additional construction progress reporting may be required after major project phases, change events or delays. Consistent timing helps teams compare performance over time and address issues before they escalate. What Should Be Included in a Construction Progress Report? A strong construction progress report gives stakeholders a clear snapshot of where the project stands, what has been completed and what comes next. These sections help standardize construction progress reporting so updates are easy to review, compare and act on throughout the project lifecycle. Executive Summary The executive summary provides a high-level overview of the current project status. It highlights major accomplishments, schedule or budget impacts and key risks without going into excessive detail. This section allows owners, executives and project sponsors to quickly understand overall progress and identify areas that may need attention. Work Completed This section documents all tasks and activities finished during the reporting period. It should reference completed milestones, closed work orders and approved inspections. Clear documentation of completed work supports accurate billing, confirms scope progress and creates a reliable historical record for future construction progress reporting. Work In Progress Work in progress outlines active tasks that are underway but not yet complete. It should describe current phases, percent complete and any coordination between trades. This section helps project managers track momentum, identify potential delays and ensure team members stay aligned on daily and weekly priorities. /wp-content/uploads/2025/01/2025-construction-ebook-banner-ad.jpg Look-Ahead Schedule The look-ahead schedule focuses on upcoming work over the next one to four weeks. It highlights planned activities, required resources and upcoming dependencies. Including this section improves short-term planning, supports coordination across teams and helps prevent schedule conflicts before they impact construction progress. Related: 25 Free Excel Construction Templates Construction Schedule Status This section compares planned timelines against actual performance. It identifies tasks ahead of schedule, behind schedule or at risk. Clear schedule status reporting supports better decision-making and allows construction project managers to make adjustments before delays escalate into larger project issues. Issues, Risks and Constraints Here, teams document current issues, potential risks and known constraints affecting progress. This may include material delays, labor shortages or permitting challenges. Capturing these items in a construction progress report promotes transparency and helps leadership prioritize problem-solving efforts early. /wp-content/uploads/2025/05/risk-management-hero.pngLearn more Change Events Change events track pending and approved changes that impact scope, cost or schedule. This section should summarize change requests, their status and potential impacts. Consistent documentation protects project teams, supports claims management and keeps construction progress reporting accurate and defensible. Quality Inspections This section summarizes inspections completed, results and any corrective actions required. Tracking quality inspections ensures work meets specifications and standards. It also helps prevent rework, supports compliance audits and reinforces accountability across contractors and subcontractors. Safety Summary The safety summary reports incidents, near misses and safety observations from the reporting period. It may also note toolbox talks or corrective actions taken. Including safety data reinforces its importance and helps construction managers proactively address hazards before they escalate. Photos and Documentation Photos and supporting documents provide visual confirmation of progress and site conditions. This section strengthens the construction progress report by adding context and clarity. Well-organized documentation also creates a reliable audit trail and improves communication with stakeholders who are not onsite regularly. Related: 39 Construction Documents (Templates Included) Construction Progress Report Example This construction progress report example documents the current status of a five-story residential building project. It summarizes work completed during the reporting period, ongoing construction activities and overall execution status to provide stakeholders with a clear and factual view of on-site progress. Reporting Period & Project Snapshot Project name Five-Story Residential Building Location 456 Residential Avenue Reporting period 01/08/2025 – 07/08/2025 Project phase Structural framing – Levels 2 and 3 Prepared by Project Manager Executive Summary Construction activities progressed as planned during the reporting period. Structural framing for Levels 2 and 3 continued without major disruptions, and concrete curing for Level 2 slabs was completed. No safety incidents were reported. Minor weather delays were experienced, but did not affect the critical path. Work Completed During This Period Trade / Area Completed activity Status Completion date Concrete works Pouring and curing of Level 2 floor slab Complete 03/08/2025 Structural framing Column and beam installation – Level 2 Complete 05/08/2025 Site logistics Material staging and crane repositioning Complete 06/08/2025 Work Currently in Progress Trade Activity Level / Area Current status Structural framing Beam and slab formwork installation Level 3 In progress Reinforcement Rebar placement for Level 3 slab Level 3 In progress Overall Progress Summary As of the end of the reporting period, structural works are progressing in accordance with the baseline schedule. Levels 1 and 2 structural elements are complete, and Level 3 construction activities are actively underway with no critical delays identified. Look-Ahead (Next Reporting Period) The following activities are planned for the next reporting period to maintain momentum and support upcoming structural milestones. Planned activity Trade Level / Area Planned start Planned finish Concrete pour for Level 3 slab Concrete Level 3 09/08/2025 10/08/2025 Formwork installation for Level 4 Structural framing Level 4 11/08/2025 14/08/2025 MEP rough-in layout Mechanical / Electrical Levels 1–2 12/08/2025 16/08/2025 Schedule Status Overall schedule performance remains aligned with the approved baseline. Structural activities are tracking on plan, with minor weather-related disruptions absorbed through built-in float. Milestone Planned date Actual / forecast date Status Level 2 structural completion 05/08/2025 05/08/2025 Completed Level 3 slab pour 10/08/2025 10/08/2025 On track Level 4 framing start 11/08/2025 11/08/2025 On track Issues and Constraints The following items were identified during the reporting period. None currently pose a critical risk to schedule or execution. Issue ID Description Impact Action/owner I-01 High winds temporarily halted crane operations Minor productivity loss Resequence activities – Site superintendent I-02 Delayed delivery of rebar accessories No schedule impact Expedited shipment confirmed – Procurement Change Events Impacting Progress No approved scope changes affected construction progress during this reporting period. One potential design clarification is under review but has not resulted in work stoppage. Change reference Description Status Impact on progress CE-01 Balcony edge detail clarification Under review None to date Quality Control and Inspections Quality assurance activities during the reporting period focused on verifying structural work compliance and readiness for upcoming concrete pours. All completed inspections met design and code requirements. Inspection type Level / Area Date Result Remarks Structural inspection Level 2 04/08/2025 Passed No deficiencies noted Formwork inspection Level 3 06/08/2025 Passed Approved for concrete placement Safety Summary Site safety performance remained strong during the reporting period. All personnel adhered to established safety protocols, and no incidents or near misses were recorded. Safety metric Value Notes Man-hours worked 1,120 All trades combined Recordable incidents 0 — Toolbox talks conducted 3 Fall protection and crane safety Benefits of Thorough Construction Progress Reporting Consistent construction progress reporting keeps everyone aligned, informed and accountable throughout the project lifecycle. Clear reports improve decision-making by highlighting schedule status, budget impacts and emerging risks before they become costly problems. They also create a reliable record of work completed, changes and approvals, which supports compliance audits and dispute resolution. For construction teams, thorough reporting reduces time spent chasing updates, strengthens communication with stakeholders and helps projects stay on track, on budget and built to plan. Free Construction Project Management Templates We have hundreds of free project management templates on our site; they are a mixture of templates for Word, Excel, Google Sheets and more. Below are a few examples related to construction project management. Construction Scope of Work Template A construction scope of work template defines what tasks are included, who’s responsible and how success is measured. It supports accurate construction progress reporting by setting clear expectations upfront, reducing scope creep and making it easier to track completed work against planned deliverables throughout the project lifecycle. Construction Management Plan Template This template outlines the process for executing, monitoring, and controlling a construction project. It supports a strong construction progress report by documenting processes for scheduling, communication, quality and risk management, giving stakeholders a clear reference point for evaluating progress and decision making. Construction Schedule Template A construction schedule template maps tasks, timelines and dependencies in one place. It plays a critical role in construction progress reporting by showing planned versus actual progress, identifying delays early and helping teams adjust resources and sequencing to keep the project moving forward. How ProjectManager Helps with Construction Progress Reporting ProjectManager makes construction progress reporting easier, faster and more accurate by giving teams a central platform to track, update and share status in real time. With customizable dashboards and reports, construction managers can visualize progress against baseline schedules, highlight work completed and communicate updates to stakeholders without manual spreadsheets. Track Construction Schedules in Real Time Integrated task lists and Gantt charts allow teams to link actual progress directly to the construction schedule, making look-ahead forecasting and status reporting simple. Mobile access lets crews upload photos, log issues and update work in progress right from the jobsite. Built-in document management and version control ensure that all photos, inspection reports and safety summaries are organized and attached to the right report. /wp-content/uploads/2022/07/Gantt-Light-Mode-Timeline-Focus.jpg Oversee Project Health with Dashboards Because data updates in real time, your construction progress report always reflects the latest information, helping improve communication, reduce errors and support data-driven decisions throughout the project lifecycle. Use the AI-powered dashboard alongside powerful reports to ensure quality at every stage. /wp-content/uploads/2025/10/AI-Insights-Light-Mode-Dashboard-GPT5.png Related Construction Project Management Content 8 Free Construction Forms for Excel and Word 14 Types of Construction Contracts: Pros, Cons & Best Practices How to Manage a Construction Project Step by Step 10 Types of Construction Projects with Examples The Construction Process Explained Step-by-Step The post What Is a Construction Progress Report? Example Included appeared first on ProjectManager. View the full article

It is none of our business if strangers choose to display their private affairs at a Coldplay concertView the full article

Here are the posts that interested people the most in 2025, via two lists: the most viewed posts and the most commented on posts. Most viewed posts of 2025: 10. my employee keeps insisting he looks much younger than he is (but he doesn’t) 9. I rejected a student’s advances, but his parents are mad at me 8. my coworkers have way more money than me … and they constantly expect me to shell out cash for meals and gifts 7. I don’t want to babysit my brother in my office 6. updates: martial arts at work, coworker hates me, and more 5. our Gen Z employees want to be coddled and are struggling with the realities of work 4. I manage a terrible slob — how can I convince her upset coworker that I’m handling it? 3. my boss said I’m threatened by his “masculine energy” 2. questions from federal workers who are currently under attack 1. my vegan coworker is upset about getting non-vegan gifts three years in a row Most commented on posts of 2025: (doesn’t include open threads or “ask the readers” posts, which otherwise would hold many of the top 10 places) 10. I still have to work if I don’t attend team-building, boss has hired my replacement but I’m not ready to leave, and more 9. I won a work lottery but used a fake name, can a company strand you if you’re fired on a work trip, and more 8. I overheard a horrible phone call, will I be unhireable if I do a naked bike ride, and more 7. job candidate’s name is a slur, exec is marketing a job as a “roommate opportunity,” and more 6. our Gen Z employees want to be coddled and are struggling with the realities of work 5. can I tell a coworker I dislike him, we upset our boss by organizing stuff, and more 4. an inappropriate song in children’s theater, coworker won’t stop insisting everything is fine, and more 3. coworkers want our office breakfasts to be vegan, how to back out of a job, and more 2. employee is afraid to fly, the office poopfoot, and more 1. my vegan coworker is upset about getting non-vegan gifts three years in a row The post most popular posts of 2025 appeared first on Ask a Manager. View the full article

The author of The Art of the Deal always likes to claim he’s a big winner when it comes to any business arrangement he makes. And in some ways, Donald The President appears to have won big by finalizing a deal that will see Oracle, Silver Lake, and MGX take part-ownership of a new joint venture designed to oversee operations in the United States of TikTok, the wildly popular social video appl. But dig into the details and you’ll see that what The President’s White House is keen to present as a big win for national security looks more like a standard business deal—or more cynically, a shakedown. Concerns around TikTok first bubbled up at the end of The President’s first term, when the 45th president, running unsuccessfully for re-election in 2020, presented the app, owned by the Chinese tech champion ByteDance, as a national-security concern. On both sides of the aisle, China hawks worry that TikTok’s algorithm could be used to catalyze opposition to the American way of life, and indoctrinate U.S. teens into Chinese ways of thinking—or nudge public opinion to be more favorable to the Chinese regime. The President tried unsuccessfully to ban the app outright from the United States, a gambit that didn’t stand up in court. He has continued to try and alter its ownership even as he appears to have changed tack about whether the platform ought to be banned outright. The President has claimed that TikTok’s purported Chinese links still gave him pause, but that he was willing to allow the app to continue existing in the U.S. provided that it was brought under American control. With this finalized deal, even that’s not guaranteed—which could suggest this is little more than a shakedown and carve-out to ensure the U.S. capitalizes on the only non-American social network that has managed to gain a mass global foothold in the last 20 years. “The leaked details of this deal seem to imply that the public debate and concerns were a red herring,” says Catalina Goanta, associate professor in private law and technology at Utrecht University. The U.S. “just wanted in on a profitable business model that has been growing faster and with more potential than any of its competitors,” she argues. The terms of the agreement suggest that the joint venture will own between 45%and 50% of the new U.S.-Tiktok entity (reports differ on the precise percentages involved). Around one-third of the entity will be owned by ByteDance’s current investors, with the remainder—an estimated 20% or so—still under ByteDances control. The deal is due to close by January 22. Others are equally uncertain that the deal matches up to what The President claimed was the core concern. “Will the sale enrich the new investors or protect American interests?” asks Hussein Kanji, founder of Hoxton Ventures. “Let’s see if the algorithm changes in the new leadership to support a particular political viewpoint.” So far, there’s no suggestion that the app’s algorithm will change in any way, beyond being fed U.S. user data to “ensure the content is free from outside manipulation,” said an internal memo sent by TikTok CEO Shou Chew to staff last week. That isn’t significantly different from what already happens, except it draws slightly stronger fences around U.S-only users. The terms of the deal are believed to adopt the current TikTok algorithm, while the storage of user data within the United States will remain within the country and overseen by a local partner. In this case, that partner will be Oracle, under terms similar to those TikTok has already instigated elsewhere voluntarily, including in Europe (U.K. cybersecurity firm NCC Group oversees data access) where TikTok has built dedicated data centers for local users. ByteDance will reportedly still have control of the app’s ecommerce, advertising, and marketing arms, all of which are core components of the business. In short, basically nothing has changed, except several U.S. firms get a part of the new company—and presumably, a share of its income. It’s no surprise, then, that China has nodded the deal through: Little changes for them, except for homegrown champion ByteDance losing a proportion of its income from the app. “Chinese state media sees this deal as a win for China, and it emphasized retaining ‘global connectivity’, which can also affect what kind of content is seen from outside of the U.S.,” says Goanta. Of course, the app could still change. It certainly would be easier to do so when U.S. companies control the data, the algorithm, and any decisions are overseen by a U.S. board. But it’d be highly unusual—some might say self-defeating—for TikTok in the United States to try and diverge from what made its global product successful. Instead, it looks like a classic The President deal: Plenty of sound and fury, and a whole lot of hyperbole to justify very few changes that actually address the underlying issue that caused the brouhaha in the first place. The deal allows the president to portray action on a politically potent issue while avoiding a total ban that could alienate younger voters or provoke corporate backlash. For China, the arrangement shows it can be flexible without surrendering, allowing ByteDance to preserve that global reach for its flagship app. But as often happens under The President’s America First policy, American entities get a cut of the deal—whether they’re deserving of it or not. View the full article