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Seven steps to setting your price. By Jody Padar Radical Pricing – By The Radical CPA Go PRO for members-only access to more Jody Padar. View the full article

Seven steps to setting your price. By Jody Padar Radical Pricing – By The Radical CPA Go PRO for members-only access to more Jody Padar. View the full article

Flying often first requires crawling, in a car, in slow or stopped traffic that eventually treats you to a view of airplanes soaring away from your ground-anchored vehicular misery. After decades of hype about flying cars, the past 10 years have seen a pivot to something of a car-plane hybrid: an electric vertical takeoff and landing (eVTOL) aircraft that provides taxi-like service. In concept—all we have to go by, since the only way to watch an eVTOL speeding somebody to LAX is in a computer-rendered video—this can look appealing. But after years of promising services that have yet to take off, eVTOL startups need to go beyond impressing investors. They need to prove to regulators that they can deliver safe, reliable service in already-crowded airspace. And then they need to earn the business of paying customers who have other transportation choices. Their basic bet that enough people will spend potentially large sums of money to save time is not crazy. But it’s hardly a sure thing, either. To understand the gap between a private demo and public service, consider Joby Aviation, a Santa Cruz, California, firm that says it’s within months of launching commercial operations. At November’s Web Summit conference in Lisbon, Portugal, the company pitched its vision for the eVTOL future. “This is not just a rendering, this is not just an idea,” vouched Eric Allison, chief product officer. Eric Allison But the first use case he laid out did not involve whisking people to San Francisco International Airport. Instead, he talked up how Joby’s six-rotor eVTOL aircraft—which seats four passengers and a pilot, can hit 200 mph, and offers a maximum range of 150 miles on a charge—could replace the driving commute he endured from Mountain View to downtown San Francisco. “That trip that took me one and a half hours on a daily basis could maybe take 15 minutes if we don’t go on the road but we fly,” he said. Outside of the opening credits of Futurama, however, the idea of large numbers of people packing into air taxis to get to a crowded business district doesn’t scale. Plus, we already know how to upgrade a commute like that: not with expensive aircraft transporting a few people each but with fast and frequent train service. Like, for example, the quick, quiet electric-powered trains now plying Caltrain routes up and down the peninsula. Product-market fits Allison expanded on Joby’s plans for service to airports—destinations that already feature landing facilities and have traffic spread more evenly throughout the day—and its partnerships with Delta Air Lines, Virgin Atlantic, and All Nippon Airways (ANA). Predicting passenger service in Dubai next year, Allison emphasized that Joby isn’t flying vaporware: “This is something that we are executing on.” In an interview after his presentation, he offered a more grounded version of Joby’s pitch for its S4 battery-electric air taxi. The company’s ambitions for its eVTOL do include speedy aerial commutes for the well-heeled, something Joby is already exploring via the Blade Air Mobility helicopter service it bought in August in a transaction valued at $125 million. In November, Blade announced the start of weekday helicopter commuting flights between Westchester County Airport and Manhattan at fares of $125 to $225 per ride. Allison said the company aims to beat those rates with its eVTOL service and instead roughly match Uber Black pricing on a per-seat basis. “We think there’s a ton of potential in most of the highly congested big cities, not just in the U.S. but around the world,” he said. Uber isn’t merely a comparison point but a partner; in 2021, Joby bought the ride-hail company’s Uber Elevate division while Uber deepened its investment in Joby from $50 million to $125 million and agreed to integrate Joby’s future services into its apps. Joby’s business model doesn’t assume software will replace a human pilot, although Allison allowed that “in the long run, we think autonomy plays a big role in this.” Competing costs But airport trips constitute the bulk of Joby’s pitch. On that front, Allison acknowledged that the company will have to compete with existing transit options. That’s a reality often left out of eVTOL pitches that pretend single-seat airport rides like Chicago’s CTA Blue Line to O’Hare, San Francisco’s BART to SFO, and Washington’s Metro to Dulles International Airport don’t already offer traffic-immune service between city centers and international airports at fares as low as $2.50. “We’re not looking to replace public transport,” Allison said. “We’re creating a new option that has unique features that you can’t get through any of the other modes.” First among them is speed, but there’s also the view that Blade passengers enjoy today: “You just get this fantastic view of the skyline as you’re flying down the river and swinging over to go to the airport,” Allison said. For what Blade charges—its site lists fares from $195 to $295 for flights from Manhattan to JFK—that view had better be exceptional. Uber, meanwhile, quoted about $145 for an Uber Black ride from midtown Manhattan to JFK and $100 for UberX early on the Tuesday afternoon of Thanksgiving week. Taking New York’s subway or the Long Island Rail Road to the AirTrain that links those transit systems to JFK (a two-seat itinerary less convenient and pricier than the airport-rail options in Chicago, D.C., or San Francisco) costs $11.40 to $15.50 for most riders. Infrastructure weaknesses Efficient eVTOL rides will demand a long series of sign-offs from local infrastructure operators and authorities. The easiest looks to be agreements with airports to streamline a passenger connection apart from the usual passenger entrances. Joby is working with Delta and other airline partners on that, Allison said. He added that Joby is assuming airport transfers will need time for travelers to clear security at their departing terminal. Its eVTOL, meanwhile, will need time for a quick, 10-minute battery charge. Joby will also need to build out vertiports for its aircraft across its target markets, which will be a lot more involved than clearing space for its operations at airports. A lawsuit the company filed against its rival Archer Aviation offered a peek at one part of that strategy: exclusive deals with property developers, one of which Joby alleges its former executive George Kivork disrupted by taking sensitive data about that deal to Archer. Archer denied the allegations in a statement from Eric Lentell, chief legal and strategy officer, that read, in part: “Joby alleges we used their trade secrets to win a ‘deal’ with a developer but the reality is that Archer has no deal with this developer and Mr. Kivork did not bring any Joby confidential information to Archer.” Joby, in turn, declined to comment beyond the details of its complaint, filed in Santa Cruz Superior Court on November 19. The regulatory road ahead Getting this far has not been cheap for Joby. On November 5, the firm reported a Q3 loss of $401 million, versus $144 million in the year-ago quarter, with $978 million in cash, cash equivalents, and short-term investments. Securing U.S. regulatory approval of its eVTOL will clear the company’s path to revenue service. On the day of its earnings release, it announced that it had begun powered-up testing of the first aircraft built to the final design that the Federal Aviation Administration will need to certify. Joby aims to have test flights, conducted by its own and FAA pilots, start later this year. Allison declined to predict when the FAA will issue a type certification for its eVTOL. The company is exploring ways to launch pre-commercial operations in Dubai ahead of that certification. In the U.S. it plans to apply for a new eVTOL pilot-operations program announced by the FAA in September—the latest in a series of moves by the air-safety agency to adapt its regulations for this new category of aircraft. But overall, Joby’s plans envisage FAA certification serving as a runway for flight-safety sign-offs elsewhere. In the U.S., any eVTOL firm will have to work with an air traffic control system that’s already under strain. Allison said that Joby’s simulations with the FAA show that its operations are doable “with minor tweaks to procedures today.” But after a year of air traffic control mishaps that include a deadly midair collision near Washington, D.C.’s National Airport in January of this year, Joby shouldn’t assume a quick clearance for its service and would be wise to stick with a mindset that Allison defined as “crawl, walk, run.” Disclosure: I moderated three panels at Web Summit, in return for which the event’s organizers paid for my hotel and are reimbursing my airfare. View the full article

A baby and his family dog sit across from each other in a podcast studio. “Welcome to the talking baby podcast,” says the infant, wearing headphones and sounding like a deep-voiced radio broadcaster. “On today’s episode, we’ll be talking to the weird-looking person who lives at my house.” So begins a series of humorous interactions between two characters animated by artificial intelligence that’s attracted millions of views on social media. They’re a nod to the 1989 movie “Look Who’s Talking” but produced in a matter of hours and without a multimillion-dollar Hollywood budget. AI helped do all of that, but it didn’t craft the punch lines. It’s a relief to comedian Jon Lajoie, who made the videos, that AI chatbots just aren’t “inherently funny.” “It can’t write comedy,” said Lajoie. “It can’t do any of that.” For now, at least, they won’t take his job. Lajoie’s viral videos have gained him attention as an AI-adopting entertainer that’s he’s not entirely comfortable with as he grapples with what all this means for the future of his very human craft of making people laugh. King Willonius is not feeling so cautious. His first big hit was an AI-generated song called “BBL Drizzy” that made fun of rapper Drake during the height of his feud with Kendrick Lamar. He’s since moved into making AI video parodies like “I’m McLovin It (Popeye’s Diss Song)” and “I Want My Barrel Back (Cracker Barrel song).” “It’s very similar to somebody who’s writing for The Onion or SNL,” Willonius said. “I try to find out, OK, what’s my comedic angle on this particular topic? And then I’ll generate a video from that.” He starts with writing his own notes on an idea, then refines it with a chatbot, and puts that language — known as a prompt — into AI tools that can generate imagery, video, music and voices. The key, he says, is to keep iterating. But he wouldn’t just ask it for a joke — Willonius says most chatbot-generated comedy lacks the “nuances or complexities that it takes for jokes to really land.” A scholar of comedy, Michelle Robinson, said “a lot of the stuff that I’ve seen AI produce is corny as hell.” “It does seem fluent in the basic grammar of jokes, but sometimes they’re slightly off,” said Robinson, a professor of American studies at the University of North Carolina at Chapel Hill. “They may be moderately funny, but I think they’re really missing an important element of what makes us laugh.” What are they missing? She’s not totally sure, except that most good jokes are a little edgy or dangerous and chatbots can’t seem to calibrate “whatever provocation is in the joke to the moment that we’re living in.” Caleb Warren, a professor who studies marketing and consumer psychology at the University of Arizona, said that leaves comedy writers with an opportunity to make use of tools that can’t completely outsource their skills. “The ideas that are driving the humor are coming from the human comedian,” but the AI tools can help them execute and illustrate them, Warren said. Willonius was a struggling comedian and screenwriter who began experimenting with AI during Hollywood’s actor and writer strikes in 2023. “I leaned all the way into AI because I didn’t know what else to do with my free time,” he said. “I was doing everything I could to try to break into Hollywood. And once the writers’ strike happened, that kind of shut that down. I started to learn these AI tools and get really good at them and started to cultivate an audience.” While Willonius saw an opening, the rise of generative AI has stoked division and posed challenges to other professional comedians. Sarah Silverman joined book authors in suing leading chatbot makers, alleging they infringed the copyright of her “The Bedwetter” memoir. The daughter of the late Robin Williams called it “gross” and “maddening” when users of OpenAI’s AI video generator Sora conjured up realistic “deepfakes” of the beloved actor to churn out what she described as “horrible TikTok slop puppeteering.” “You’re not making art, you’re making disgusting, overprocessed hot dogs out of the lives of human beings, out of the history of art and music, and then shoving them down someone else’s throat hoping they’ll give you a little thumbs-up and like it,” Zelda Williams wrote in October. And the estate of legendary comic George Carlin last year settled a lawsuit against podcasters who purportedly cloned his voice to make a fake hourslong comedy special. Comics have also relished mocking AI tools. A recent “South Park” episode called “Sora Not Sorry” had a bumbling police detective investigate a scourge of fake videos. Lajoie, known for his work on the TV series “The League” and comic songs on YouTube, tried to see what would happen if he asked ChatGPT to help craft a bizarre movie script idea. He said it gave him something “super boring” about “grandma’s dentures and a talking raccoon.” “That level of human creativity, it can’t mimic — yet — or at least maybe I’m not great at prompting,” he said. Instead, he found it useful to cheaply animate ideas he would otherwise never have pursued — such as the talking baby, birds wearing jeans, or a podcasting Jesus Christ interviewing an Easter Bunny who’s never heard of him. The prominent venture capital firm Andreessen Horowitz invited Lajoie and Willonius to exhibit their video creations this fall at a new AI gallery space in Manhattan, part of a promotion of AI creativity tool startups that the firm invests in. Willonius obliged. Lajoie ended up bowing out, after an interview with The Associated Press in which he voiced doubts about what he described as AI’s “Napster phase.” The music-sharing website shuttered in the early 2000s after the record industry and rock band Metallica sued over copyright violations. The investment firm’s co-founder, Marc Andreessen, has been bullish about AI’s potential to bring new life into filmmaking and comedy. On a November podcast, he blamed Hollywood opposition to its adoption on “woke activists (who) have picked up AI as the new thing they’re going to agitate about.” He compared it to resistance to computer graphics in movies before they became commonplace. Lajoie said he shared his early AI video experiments with a few friends who are “anti-AI; real, real, anti-AI” and they were surprised by how well the sketches retained Lajoie’s own comedic voice. He insists he’s no AI expert, just “a creative person who can figure out how to make two characters talk to each other.” But even editing the sketches requires understanding comedic timing, and he has no interest in ceding that part to a machine. “The thing with comedy is it’s so related to performance, delivery and point of view,” Lajoie said. “Do AIs have a point of view? They can grab a few points of view from different people.” “And when it does have a point of view, I think that’s when we all should be afraid for all of the reasons that the Terminator has taught us,” he said. —Matt O’Brien, AP Technology Writer View the full article

As a DIY enthusiast, having the right tools can greatly influence your crafting experience. Crucial items like precision crafting scissors and a craft knife paired with a self-healing cutting mat facilitate detailed work. A sturdy ruler or measuring tape guarantees accuracy in your projects. Furthermore, versatile adhesives and quality paper stock improve your creative options. To streamline your workspace, consider clear storage containers and a craft tote for organization. Let’s explore these must-have products in detail. Key Takeaways Quality crafting scissors provide precision for various projects, making them essential for intricate tasks like quilling and scrapbooking. A reliable craft knife paired with a cutting mat ensures accurate cuts and protects work surfaces during detailed designs. Hot glue guns and versatile adhesives, like Mod Podge, offer quick bonding solutions for a range of materials in crafting projects. Keeping a variety of quality paper stock on hand enhances durability and adds unique visual interest to paper crafting endeavors. Clear storage containers and craft totes facilitate organization, easy visibility, and efficient transport of crafting supplies, maximizing workspace. Crafting Scissors Crafting scissors are a fundamental tool in the arsenal of any DIY enthusiast, offering precision and versatility for a wide range of projects. Designed for intricate tasks, these scissors feature sharper blades and non-stick surfaces, making them vital arts and crafts tools. You can choose from various sizes, including small, finely detailed scissors perfect for activities like quilling and scrapbooking. Many options are ergonomically designed, ensuring comfort during lengthy crafting sessions. Some specialized crafting scissors even provide decorative edges, allowing you to create unique patterns and designs. Although you might find cheap craft hobbies appealing, investing in quality crafting scissors guarantees better performance and longevity, making them a worthwhile addition to your crafting toolkit. Craft Knife and Cutting Mat When precision is crucial in your crafting tasks, a craft knife paired with a cutting mat becomes a fundamental combination. A craft knife offers exceptional cutting capabilities, perfect for intricate designs and detailed paper projects. Many options come with replaceable blades, ensuring you maintain sharpness for clean cuts over time. The ergonomic handle provides comfort during long crafting sessions, reducing hand fatigue. A cutting mat protects your work surface, featuring grid lines that assist with accurate measurements. Its self-healing properties allow it to recover from cuts, extending its lifespan. You can find these key craft products at your local ribbon craft store near me, making them accessible for soft craft hobbyists looking to improve their crafting experience. Glue and Adhesive Tapes When you’re crafting, a hot glue gun offers quick bonding for various materials, making it a go-to tool for projects requiring instant adhesion. Mod Podge adds versatility, serving both as a glue and a sealer, perfect for decoupage and protecting your finished work. Comprehending these options lets you choose the best adhesive for your specific crafting needs, ensuring stronger bonds and durable results. Hot Glue Gun Benefits A hot glue gun is a crucial tool for any DIY enthusiast, offering numerous benefits that streamline crafting projects. Its quick-drying capabilities make it ideal for various materials, including wood, metal, paper, and fabric, with prices typically ranging from $4 to $30. Available in high, low, and multi-temperature varieties, hot glue guns provide versatility, ensuring a strong bond for both delicate and heavy materials. The rapid drying time allows you to complete projects efficiently, without long waits for adhesives to set. Common applications include wreath-making, mobiles, and coasters, showcasing its adaptability across many crafts. Furthermore, hot glue sticks are widely accessible and easy to replace, simplifying maintenance and ensuring you’re always ready for your next project. Mod Podge Versatility Crafting often requires a variety of adhesives, and Mod Podge stands out as a versatile medium that serves dual purposes—both as an adhesive and a sealer. You can use it for diverse projects, from decoupage to mixed media art, thanks to its ability to bond materials securely. Mod Podge comes in finishes like matte, gloss, and satin, so you can select the perfect look for your creations. This product works well on surfaces such as wood, fabric, paper, and ceramics, enhancing its utility across different crafting materials. Typically applied with sponges or brushes, it provides a smooth finish and excellent adhesion. Plus, it’s water-based and non-toxic, making it safe for all ages to enjoy crafting activities. Ruler and Measuring Tape Measuring tools play a vital role in any DIY enthusiast’s toolkit, with rulers and measuring tapes being among the most important. A sturdy ruler guarantees accurate measurements and straight cuts, helping you achieve professional-looking results in your crafting projects. For measuring curved surfaces or intricate designs, flexible measuring tapes prove invaluable, allowing for versatility in various applications. Transparent rulers with clear markings improve precision, making it easier for you to align materials and measurements. Moreover, retractable measuring tapes offer convenience for easy storage and portability, guaranteeing you have a reliable measuring tool on hand. Maintaining accuracy in measurements is fundamental for projects that require precision, such as furniture building or detailed wall art, solidifying these tools as indispensable in your crafting arsenal. Quality Paper Stock Quality paper stock is a crucial component in various paper crafting projects, including card-making, scrapbooking, and origami. It offers different weights, textures, and finishes that can greatly improve your creative work. High-quality options like matte, gloss, and cardstock provide versatility, ensuring durability and a polished look. Decorative papers, such as patterned or specialty designs, allow you to add unique visual interest and personalized touches to your projects. Using quality paper helps prevent issues like tearing or fading, which can compromise the integrity of your work. It’s important to keep a variety of paper types on hand—some projects may require thicker stock for durability, whereas others might need smoother finishes for better ink application. Paints and Brushes When you’re immersing yourself in a painting project, selecting the right paints and brushes can considerably impact your results. Acrylic paints are a top choice for DIY enthusiasts because of their versatility and quick-drying properties, making them suitable for surfaces like wood, canvas, and paper. Brands like DecoArt, Apple Barrel, and Craftsmart offer a wide range of colors and finishes to improve your creative expression. To achieve various techniques, a thorough brush set with different types and sizes is vital; sponge brushes are great for unique textures, whereas traditional paintbrushes excel in precision work. Using palettes for color mixing and water containers for cleaning brushes helps keep your workspace tidy, boosting your overall painting experience. Sewing Machine and Threads After exploring the domain of paints and brushes, it’s time to reflect on the tools that can bring your fabric creations to life: sewing machines and threads. A dependable sewing machine is crucial for every sewing enthusiast, offering a variety of stitch options and adjustable settings for different projects. Here are some must-have threads to take into account: All-purpose polyester for versatile use Cotton threads for natural fabrics Specialty threads in diverse colors and thicknesses Investing in a sewing machine with features like automatic needle threading and multiple stitch patterns improves your sewing experience. Regular maintenance, including cleaning and oiling, guarantees peak performance. Beginners should start with basic models, whereas advanced users can explore machines with embroidery capabilities for more creative options. Knitting and Crocheting Supplies When you start knitting or crocheting, having the right supplies is vital for your success. You’ll need important yarn types, such as worsted and bulky, to fit the various projects you might tackle. Furthermore, basic knitting tools like straight and circular needles or a range of crochet hooks will help you master different techniques and achieve the desired results. Essential Yarn Types Yarn types play a crucial role in knitting and crocheting, influencing both the final appearance and functionality of your projects. Comprehending yarn weights and fibers can greatly improve your crafting experience. Here are some key types to take into account: Acrylic: Affordable and durable, perfect for beginners and everyday projects. Wool: Offers warmth and elasticity, ideal for cozy garments. Cotton: Breathable and soft, suitable for summer apparel and dishcloths. You’ll find specialty yarns like alpaca and silk blends that provide unique textures for luxurious creations. Remember, the recommended needle size usually corresponds to the yarn weight; lighter yarns need smaller needles, whereas heavier yarns require larger ones. Popular brands like Red Heart and Lion Brand offer a wide selection to meet your diverse project needs. Basic Knitting Tools To craft beautiful knitted or crocheted items, having the right tools on hand is just as important as choosing the right yarn. Start with a selection of knitting needles in various sizes, ranging from US 2 to US 15, to accommodate different yarn weights and projects. For crocheting, make sure to have crochet hooks ranging from 2.5mm to 10mm, matching the gauge of your yarn. A variety of yarn types, including worsted, bulky, and lace weight, improves your creative options. Don’t overlook accessories like stitch markers, which help track rows, and row counters for organization. Finally, a yarn bowl or basket keeps your yarn tangle-free and organized, making your crafting process smoother and more enjoyable. Clear Storage Containers Clear storage containers are indispensable tools for any DIY enthusiast looking to streamline their crafting process. They provide easy visibility and quick access to your materials, making your projects more efficient. Many containers feature divided compartments, perfect for organizing small items like beads, sequins, and embellishments. Stackable designs maximize space, keeping your crafting area tidy. Airtight seals protect supplies from dust and moisture, ensuring longevity. Investing in high-quality options can improve your overall crafting experience. Craft Tote or Storage Cart When you’re organizing craft supplies, a craft tote or storage cart can be your best ally. These versatile options often feature multiple compartments and pockets, making it easy to keep your tools accessible during reducing clutter. Plus, many models are lightweight and portable, allowing you to transport your supplies effortlessly to different crafting locations or events. Organizing Craft Supplies Efficiently Organizing your craft supplies efficiently can greatly amplify your crafting experience, and using a craft tote or storage cart is an excellent solution. These tools typically feature multiple compartments and pockets, making it easy to locate items during projects. Here’s how they can improve your crafting: Maximize space: Utilize vertical storage options to fit supplies in limited areas. Clear visibility: Easily identify materials with clear storage options, eliminating the need to rummage. Boost productivity: Regularly declutter and reorganize to guarantee that frequently used tools are accessible. Portability for Crafting Projects How can a craft tote or storage cart improve your crafting experience? These crucial tools help you organize and transport your supplies effortlessly, making it easy to take your projects anywhere. Many craft totes come with multiple compartments and pockets, allowing you to neatly store tools, adhesives, and materials, which boosts efficiency. Furthermore, these portable options often feature stylish designs, so you can express your personal style as you keep everything accessible. If you’re working on larger projects, consider a storage cart with wheels; this feature enables you to move heavy supplies without straining yourself. Versatile Storage Options Available Finding the right storage solution can make a significant difference in your crafting endeavors, and both craft totes and storage carts offer versatile options to suit various needs. These solutions provide dedicated compartments for organizing your supplies, making it easy to locate tools when you’re deep into a project. Craft totes often come with reinforced handles and wheels, allowing for seamless transport between spaces. Storage carts maximize vertical space with multiple tiers, ideal for larger items like fabric rolls. Stylish, colorful designs let you personalize your storage as you keep your workspace tidy. Investing in a craft tote or storage cart can improve your productivity by reducing the time spent searching for supplies, leading to a more enjoyable crafting experience. Frequently Asked Questions What Are the Best Brands for Crafting Scissors? When selecting crafting scissors, consider reputable brands like Fiskars, Westcott, and Gingher. Fiskars offers a wide range of scissors, known for their ergonomic grips and sharp blades, ideal for various materials. Westcott provides precision cutting tools that are favored for their durability and cutting ease. Gingher scissors, often used by professionals, feature high-quality stainless steel blades for clean cuts. Each brand has unique options, so choose based on your specific crafting needs and preferences. How Do I Choose the Right Adhesive for My Project? To choose the right adhesive for your project, consider the materials you’re working with. For paper, a glue stick or liquid glue works well. If you’re bonding wood, opt for wood glue or epoxy for a strong hold. Fabric projects benefit from fabric glue or hot glue. For plastic or metal, super glue or Loctite or cyanoacrylate is effective. Always read labels for drying times and application methods to guarantee the adhesive suits your specific needs. Can I Use Regular Paper for Crafting Instead of Quality Stock? Yes, you can use regular paper for crafting, but it depends on your project’s requirements. Regular paper is suitable for simple tasks like scrapbooking or card making, where durability isn’t critical. Nevertheless, quality cardstock offers better sturdiness and can withstand more wear and tear. If you’re creating something that requires strength, like a 3D model, it’s best to invest in quality stock for ideal results. Always consider the end use of your crafted item. What Types of Paints Work Best on Different Surfaces? When choosing paints for various surfaces, consider acrylics for wood and canvas, as they adhere well and dry quickly. For metal, oil-based paints provide durability and a smooth finish. On glass, use specially formulated glass paints for better adhesion. Chalk paint works excellently on furniture, creating a matte finish, whereas fabric paint is ideal for textiles. Always prepare your surface properly by cleaning and priming to guarantee the best results with your chosen paint. How Do I Organize My Craft Supplies Effectively? To organize your craft supplies effectively, start by categorizing items, such as paints, brushes, and fabrics. Use clear containers or labeled bins for easy visibility. Implement a shelving system to maximize space, placing frequently used items at eye level. Consider a pegboard for tools, allowing quick access. Regularly assess and declutter to maintain organization. Finally, keep a list of supplies to track what you have and what you need, preventing duplicates. Conclusion By incorporating these ten crucial craft products into your toolkit, you can improve your DIY projects considerably. Precision crafting scissors and a craft knife with a cutting mat guarantee accuracy, as you work with quality adhesives and versatile paper stock that encourage creativity. Utilizing a ruler or measuring tape boosts precision, and organizing your supplies in clear containers or a craft tote simplifies your workflow. With the right tools at your disposal, you’ll be well-equipped to tackle any crafting endeavor with confidence and ease. Image via Google Gemini This article, "10 Must-Have Craft Products for Every DIY Enthusiast" was first published on Small Business Trends View the full article

As a DIY enthusiast, having the right tools can greatly influence your crafting experience. Crucial items like precision crafting scissors and a craft knife paired with a self-healing cutting mat facilitate detailed work. A sturdy ruler or measuring tape guarantees accuracy in your projects. Furthermore, versatile adhesives and quality paper stock improve your creative options. To streamline your workspace, consider clear storage containers and a craft tote for organization. Let’s explore these must-have products in detail. Key Takeaways Quality crafting scissors provide precision for various projects, making them essential for intricate tasks like quilling and scrapbooking. A reliable craft knife paired with a cutting mat ensures accurate cuts and protects work surfaces during detailed designs. Hot glue guns and versatile adhesives, like Mod Podge, offer quick bonding solutions for a range of materials in crafting projects. Keeping a variety of quality paper stock on hand enhances durability and adds unique visual interest to paper crafting endeavors. Clear storage containers and craft totes facilitate organization, easy visibility, and efficient transport of crafting supplies, maximizing workspace. Crafting Scissors Crafting scissors are a fundamental tool in the arsenal of any DIY enthusiast, offering precision and versatility for a wide range of projects. Designed for intricate tasks, these scissors feature sharper blades and non-stick surfaces, making them vital arts and crafts tools. You can choose from various sizes, including small, finely detailed scissors perfect for activities like quilling and scrapbooking. Many options are ergonomically designed, ensuring comfort during lengthy crafting sessions. Some specialized crafting scissors even provide decorative edges, allowing you to create unique patterns and designs. Although you might find cheap craft hobbies appealing, investing in quality crafting scissors guarantees better performance and longevity, making them a worthwhile addition to your crafting toolkit. Craft Knife and Cutting Mat When precision is crucial in your crafting tasks, a craft knife paired with a cutting mat becomes a fundamental combination. A craft knife offers exceptional cutting capabilities, perfect for intricate designs and detailed paper projects. Many options come with replaceable blades, ensuring you maintain sharpness for clean cuts over time. The ergonomic handle provides comfort during long crafting sessions, reducing hand fatigue. A cutting mat protects your work surface, featuring grid lines that assist with accurate measurements. Its self-healing properties allow it to recover from cuts, extending its lifespan. You can find these key craft products at your local ribbon craft store near me, making them accessible for soft craft hobbyists looking to improve their crafting experience. Glue and Adhesive Tapes When you’re crafting, a hot glue gun offers quick bonding for various materials, making it a go-to tool for projects requiring instant adhesion. Mod Podge adds versatility, serving both as a glue and a sealer, perfect for decoupage and protecting your finished work. Comprehending these options lets you choose the best adhesive for your specific crafting needs, ensuring stronger bonds and durable results. Hot Glue Gun Benefits A hot glue gun is a crucial tool for any DIY enthusiast, offering numerous benefits that streamline crafting projects. Its quick-drying capabilities make it ideal for various materials, including wood, metal, paper, and fabric, with prices typically ranging from $4 to $30. Available in high, low, and multi-temperature varieties, hot glue guns provide versatility, ensuring a strong bond for both delicate and heavy materials. The rapid drying time allows you to complete projects efficiently, without long waits for adhesives to set. Common applications include wreath-making, mobiles, and coasters, showcasing its adaptability across many crafts. Furthermore, hot glue sticks are widely accessible and easy to replace, simplifying maintenance and ensuring you’re always ready for your next project. Mod Podge Versatility Crafting often requires a variety of adhesives, and Mod Podge stands out as a versatile medium that serves dual purposes—both as an adhesive and a sealer. You can use it for diverse projects, from decoupage to mixed media art, thanks to its ability to bond materials securely. Mod Podge comes in finishes like matte, gloss, and satin, so you can select the perfect look for your creations. This product works well on surfaces such as wood, fabric, paper, and ceramics, enhancing its utility across different crafting materials. Typically applied with sponges or brushes, it provides a smooth finish and excellent adhesion. Plus, it’s water-based and non-toxic, making it safe for all ages to enjoy crafting activities. Ruler and Measuring Tape Measuring tools play a vital role in any DIY enthusiast’s toolkit, with rulers and measuring tapes being among the most important. A sturdy ruler guarantees accurate measurements and straight cuts, helping you achieve professional-looking results in your crafting projects. For measuring curved surfaces or intricate designs, flexible measuring tapes prove invaluable, allowing for versatility in various applications. Transparent rulers with clear markings improve precision, making it easier for you to align materials and measurements. Moreover, retractable measuring tapes offer convenience for easy storage and portability, guaranteeing you have a reliable measuring tool on hand. Maintaining accuracy in measurements is fundamental for projects that require precision, such as furniture building or detailed wall art, solidifying these tools as indispensable in your crafting arsenal. Quality Paper Stock Quality paper stock is a crucial component in various paper crafting projects, including card-making, scrapbooking, and origami. It offers different weights, textures, and finishes that can greatly improve your creative work. High-quality options like matte, gloss, and cardstock provide versatility, ensuring durability and a polished look. Decorative papers, such as patterned or specialty designs, allow you to add unique visual interest and personalized touches to your projects. Using quality paper helps prevent issues like tearing or fading, which can compromise the integrity of your work. It’s important to keep a variety of paper types on hand—some projects may require thicker stock for durability, whereas others might need smoother finishes for better ink application. Paints and Brushes When you’re immersing yourself in a painting project, selecting the right paints and brushes can considerably impact your results. Acrylic paints are a top choice for DIY enthusiasts because of their versatility and quick-drying properties, making them suitable for surfaces like wood, canvas, and paper. Brands like DecoArt, Apple Barrel, and Craftsmart offer a wide range of colors and finishes to improve your creative expression. To achieve various techniques, a thorough brush set with different types and sizes is vital; sponge brushes are great for unique textures, whereas traditional paintbrushes excel in precision work. Using palettes for color mixing and water containers for cleaning brushes helps keep your workspace tidy, boosting your overall painting experience. Sewing Machine and Threads After exploring the domain of paints and brushes, it’s time to reflect on the tools that can bring your fabric creations to life: sewing machines and threads. A dependable sewing machine is crucial for every sewing enthusiast, offering a variety of stitch options and adjustable settings for different projects. Here are some must-have threads to take into account: All-purpose polyester for versatile use Cotton threads for natural fabrics Specialty threads in diverse colors and thicknesses Investing in a sewing machine with features like automatic needle threading and multiple stitch patterns improves your sewing experience. Regular maintenance, including cleaning and oiling, guarantees peak performance. Beginners should start with basic models, whereas advanced users can explore machines with embroidery capabilities for more creative options. Knitting and Crocheting Supplies When you start knitting or crocheting, having the right supplies is vital for your success. You’ll need important yarn types, such as worsted and bulky, to fit the various projects you might tackle. Furthermore, basic knitting tools like straight and circular needles or a range of crochet hooks will help you master different techniques and achieve the desired results. Essential Yarn Types Yarn types play a crucial role in knitting and crocheting, influencing both the final appearance and functionality of your projects. Comprehending yarn weights and fibers can greatly improve your crafting experience. Here are some key types to take into account: Acrylic: Affordable and durable, perfect for beginners and everyday projects. Wool: Offers warmth and elasticity, ideal for cozy garments. Cotton: Breathable and soft, suitable for summer apparel and dishcloths. You’ll find specialty yarns like alpaca and silk blends that provide unique textures for luxurious creations. Remember, the recommended needle size usually corresponds to the yarn weight; lighter yarns need smaller needles, whereas heavier yarns require larger ones. Popular brands like Red Heart and Lion Brand offer a wide selection to meet your diverse project needs. Basic Knitting Tools To craft beautiful knitted or crocheted items, having the right tools on hand is just as important as choosing the right yarn. Start with a selection of knitting needles in various sizes, ranging from US 2 to US 15, to accommodate different yarn weights and projects. For crocheting, make sure to have crochet hooks ranging from 2.5mm to 10mm, matching the gauge of your yarn. A variety of yarn types, including worsted, bulky, and lace weight, improves your creative options. Don’t overlook accessories like stitch markers, which help track rows, and row counters for organization. Finally, a yarn bowl or basket keeps your yarn tangle-free and organized, making your crafting process smoother and more enjoyable. Clear Storage Containers Clear storage containers are indispensable tools for any DIY enthusiast looking to streamline their crafting process. They provide easy visibility and quick access to your materials, making your projects more efficient. Many containers feature divided compartments, perfect for organizing small items like beads, sequins, and embellishments. Stackable designs maximize space, keeping your crafting area tidy. Airtight seals protect supplies from dust and moisture, ensuring longevity. Investing in high-quality options can improve your overall crafting experience. Craft Tote or Storage Cart When you’re organizing craft supplies, a craft tote or storage cart can be your best ally. These versatile options often feature multiple compartments and pockets, making it easy to keep your tools accessible during reducing clutter. Plus, many models are lightweight and portable, allowing you to transport your supplies effortlessly to different crafting locations or events. Organizing Craft Supplies Efficiently Organizing your craft supplies efficiently can greatly amplify your crafting experience, and using a craft tote or storage cart is an excellent solution. These tools typically feature multiple compartments and pockets, making it easy to locate items during projects. Here’s how they can improve your crafting: Maximize space: Utilize vertical storage options to fit supplies in limited areas. Clear visibility: Easily identify materials with clear storage options, eliminating the need to rummage. Boost productivity: Regularly declutter and reorganize to guarantee that frequently used tools are accessible. Portability for Crafting Projects How can a craft tote or storage cart improve your crafting experience? These crucial tools help you organize and transport your supplies effortlessly, making it easy to take your projects anywhere. Many craft totes come with multiple compartments and pockets, allowing you to neatly store tools, adhesives, and materials, which boosts efficiency. Furthermore, these portable options often feature stylish designs, so you can express your personal style as you keep everything accessible. If you’re working on larger projects, consider a storage cart with wheels; this feature enables you to move heavy supplies without straining yourself. Versatile Storage Options Available Finding the right storage solution can make a significant difference in your crafting endeavors, and both craft totes and storage carts offer versatile options to suit various needs. These solutions provide dedicated compartments for organizing your supplies, making it easy to locate tools when you’re deep into a project. Craft totes often come with reinforced handles and wheels, allowing for seamless transport between spaces. Storage carts maximize vertical space with multiple tiers, ideal for larger items like fabric rolls. Stylish, colorful designs let you personalize your storage as you keep your workspace tidy. Investing in a craft tote or storage cart can improve your productivity by reducing the time spent searching for supplies, leading to a more enjoyable crafting experience. Frequently Asked Questions What Are the Best Brands for Crafting Scissors? When selecting crafting scissors, consider reputable brands like Fiskars, Westcott, and Gingher. Fiskars offers a wide range of scissors, known for their ergonomic grips and sharp blades, ideal for various materials. Westcott provides precision cutting tools that are favored for their durability and cutting ease. Gingher scissors, often used by professionals, feature high-quality stainless steel blades for clean cuts. Each brand has unique options, so choose based on your specific crafting needs and preferences. How Do I Choose the Right Adhesive for My Project? To choose the right adhesive for your project, consider the materials you’re working with. For paper, a glue stick or liquid glue works well. If you’re bonding wood, opt for wood glue or epoxy for a strong hold. Fabric projects benefit from fabric glue or hot glue. For plastic or metal, super glue or Loctite or cyanoacrylate is effective. Always read labels for drying times and application methods to guarantee the adhesive suits your specific needs. Can I Use Regular Paper for Crafting Instead of Quality Stock? Yes, you can use regular paper for crafting, but it depends on your project’s requirements. Regular paper is suitable for simple tasks like scrapbooking or card making, where durability isn’t critical. Nevertheless, quality cardstock offers better sturdiness and can withstand more wear and tear. If you’re creating something that requires strength, like a 3D model, it’s best to invest in quality stock for ideal results. Always consider the end use of your crafted item. What Types of Paints Work Best on Different Surfaces? When choosing paints for various surfaces, consider acrylics for wood and canvas, as they adhere well and dry quickly. For metal, oil-based paints provide durability and a smooth finish. On glass, use specially formulated glass paints for better adhesion. Chalk paint works excellently on furniture, creating a matte finish, whereas fabric paint is ideal for textiles. Always prepare your surface properly by cleaning and priming to guarantee the best results with your chosen paint. How Do I Organize My Craft Supplies Effectively? To organize your craft supplies effectively, start by categorizing items, such as paints, brushes, and fabrics. Use clear containers or labeled bins for easy visibility. Implement a shelving system to maximize space, placing frequently used items at eye level. Consider a pegboard for tools, allowing quick access. Regularly assess and declutter to maintain organization. Finally, keep a list of supplies to track what you have and what you need, preventing duplicates. Conclusion By incorporating these ten crucial craft products into your toolkit, you can improve your DIY projects considerably. Precision crafting scissors and a craft knife with a cutting mat guarantee accuracy, as you work with quality adhesives and versatile paper stock that encourage creativity. Utilizing a ruler or measuring tape boosts precision, and organizing your supplies in clear containers or a craft tote simplifies your workflow. With the right tools at your disposal, you’ll be well-equipped to tackle any crafting endeavor with confidence and ease. Image via Google Gemini This article, "10 Must-Have Craft Products for Every DIY Enthusiast" was first published on Small Business Trends View the full article

We may earn a commission from links on this page. Rockstar fans might be all-in on waiting for GTA VI, but Grand Theft Auto is far from the only big title the company makes. One of Rockstar's most impactful games, Red Dead Redemption, turned 15 in May. All these years later, it's still very much worth your time—if critics and fans have anything to say about it. On Tuesday, Rockstar announced some big news for the first Red Dead: First, anyone who owns a copy of the game for PS4, Xbox One, and Nintendo Switch, can now upgrade to the PS5, Xbox Series X|S, or Nintendo Switch 2 versions for free. That includes upgrades like 60 fps, upgraded visuals, support for HDR, and 4K resolution—at least on PlayStation and Xbox. But console gamers aren't the only ones impacted here. Rockstar also revealed that Red Dead Redemption is now available on mobile for the first time ever. This could open the game up to a whole new market of players who don't own a console—if your primary gaming device is your smartphone or tablet, you can now check out Red Dead Redemption in its entirety. Depending on your device, you may even have access to a "performance mode" that boosts the frame rate of the game. Otherwise, it appears locked to 30 fps—though that might not be as noticeable on mobile as it would on a TV. Red Dead on mobile is either free, or very expensiveHowever, there's a bit of a catch here. Depending on your current subscriptions, Red Dead Redemption's mobile port can either be completely free, or quite expensive. If you look at the listings for the game on the Google Play Store and iOS App Store, you'll see the game currently costs $39.99. That's pricey for a mobile game, even a console port. While there aren't many games as large as Red Dead with mobile versions, the ones that are aren't quite this expensive. Stardew Valley is $4.99; Minecraft is $6.99; GTA: San Andreas is $6.99 (though the "Definitive" edition is $19.99); Hitman: Absolution is $14.99. $39.99, by comparison, is steep. I'm not saying Red Dead isn't worth $40, but you need to be sure you want to commit to the mobile port of the game—especially if you have other means of playing it. The PS4 version is currently $29.99 at Best Buy: If you have either a PS4 or PS5, you can enjoy the game on your TV for $10 less. Plus, PS5 owners can upgrade to the higher-performing version for free. Speaking of free, however, there is a way to play Red Dead Redemption on the go without spending anything—or, at least, anything extra. If you have an active Netflix subscription, you can download the Netflix version on your iPhone or Android free of charge. It's the same game, just validated through your Netflix account—so if you have a Netflix subscription, I highly recommend you download this version before you spend money on the game. If it sounds weird that Netflix is offering Red Dead for free, I don't blame you. However, this isn't really something new for the company. Netflix has been offering free games for subscribers for four years now, and while some of them are Netflix-owned, others are major titles the company licenses. That includes games like Into the Breach, Moonlighter, Heads Up!, and, of course, Red Dead Redemption. Netflix doesn't even require you to have a specific subscription to access these games: All subs, including its cheapest "With Ads" plan, can play. If you've never played Red Dead Redemption, the cheapest way to experience the game right now is to subscribe to Netflix for a month. You could pay $7.99 for the company's least expensive plan, and after catching up on Stranger Things, you could play through all of Red Dead. Not a bad deal. View the full article

UK prime minister has given two speeches this week promising closer ties with Brussels View the full article

It’s “where are you now?” month at Ask a Manager, and all December I’m running updates from people who had their letters here answered in the past. There will be more posts than usual this week, so keep checking back throughout the day. Remember the letter-writer in HR who had recently brought in a new manager, Barbara, to manage a team that was resisting any change and complained constantly? Here’s the update. First, Barbara is no longer with our organization. Due to some troubling behavior that was witnessed by multiple people (myself included), and given the nature of Barbara’s actions during her short time with us, we all felt this just wasn’t a good culture fit and parted ways. Since then, we’ve brought in a new manager who has taken the team by storm in all the good ways! We did sit the team down after Barbara’s departure and talk through some of the issues we had noticed, and after digging deeper, it seems a lot of the pushback was due more in part to Barbara’s management style, which was such a radically different style than what the team needed. We even uncovered some additional troubling interactions between Barbara and some of our vendors and customers, which has really opened our eyes to the real problem actually being Barbara all along, unfortunately. During that sit-down, however, we did still talk about things that the team needed to be open to with any manager that they get, and they all seemed very receptive to it. Quite frankly, the issues they’d brought up with both of their previous managers really just stemmed from inadequacies on the managers’ parts that we couldn’t see from the upper management point of view (and the team was unsure of how to voice it and/or too nervous to bring it up to upper management), and so we are making some changes on our end to make sure this doesn’t happen again! All that said, the new manager we brought in is just as much of a go-getter, but more of a team player and collaborator than Barbara was, which is exactly what this team needed! Barbara was the “it’s my way or the highway” type with no input really being allowed from her staff, whereas the new manager (let’s call her Sara) has taken the time to see how things are done first before making recommendations for any changes, and bases a lot of her decisions on what the team feels would be beneficial (within reason). As far as the team wanting other departments to do things that are clearly in the title of their department goes? Seems to be a non-issue now! Sara has really lit the fire under everyone on the team and re-invigorated the necessity of them to provide these services, and leads with encouragement and collaboration instead of an iron fist masked by kind demeanor and surface-level gratitude for perception‘s sake. All seems to be smooth sailing for now! We are so grateful to have found Sara after everything this team has been through over the last few years! There’s still been a few hiccups as there usually are, but everyone’s really finding their stride! The post update: managing a team that resists any change and complains constantly appeared first on Ask a Manager. View the full article

More than a decade ago, Malaysia Airlines Flight MH370 vanished without a trace, sparking one of aviation’s most baffling mysteries. Despite years of multinational searches, investigators still do not know exactly what happened to the plane or its 239 passengers and crew. On Wednesday, Malaysia’s government said American marine robotics company Ocean Infinity would resume a seabed hunt for the missing plane on Dec. 30, reigniting hopes that the plane might finally be found. A massive search in the southern Indian Ocean, where the jet is believed to have gone down, turned up almost nothing. Apart from a few small fragments that washed ashore, no bodies or large wreckage have ever been recovered. Here’s what we know about the deadly aviation tragedy. ‘Good night, Malaysian Three Seven Zero’ The Boeing 777 disappeared from air-traffic radar 39 minutes after departing Kuala Lumpur for Beijing on March 8, 2014. The pilot’s last radio call to Kuala Lumpur — “Good night, Malaysian Three Seven Zero”— was the final communication before the plane crossed into Vietnamese airspace and failed to check in with controllers there. Minutes later, the plane’s transponder, which broadcasts its location, shut down. Military radar showed the jet turn back over the Andaman Sea, and satellite data suggested it continued flying for hours, possibly until fuel exhaustion, before crashing into a remote section of the southern Indian Ocean. Theories about what happened range from hijacking to cabin depressurization or power failure. There was no distress call, ransom demand, evidence of technical failure or severe weather. Malaysian investigators in 2018 cleared the passengers and crew but did not rule out “unlawful interference.” Authorities have said someone deliberately severed communications and diverted the plane. Passengers came from many countries MH370 carried 227 passengers, including five young children, and 12 crew members. Most passengers were Chinese, but there were also citizens from the United States, Indonesia, France, Russia and elsewhere. Among those aboard were two young Iranians traveling on stolen passports, a group of Chinese calligraphy artists, 20 employees of U.S. tech firm Freescale Semiconductor, a stunt double for actor Jet Li and several families with young children. Many families lost multiple members. Largest underwater search in history Search operations began in the South China Sea between Malaysia and Vietnam, then expanded to the Andaman Sea and the southern Indian Ocean. Australia, Malaysia and China coordinated the largest underwater search in history, covering roughly 120,000 square kilometers (46,000 square miles) of seabed off western Australia. Aircraft, vessels equipped with sonar and robotic submarines scoured the ocean for signs of the plane. Signals thought to be from the plane’s black box turned out to be from other sources, and no wreckage was found. The first confirmed debris was a flaperon discovered on Réunion Island in July 2015, with additional fragments later found along the east coast of Africa. The search was suspended in January 2017. In 2018, U.S. marine robotics company Ocean Infinity resumed the hunt under a “no find, no fee” agreement, focusing on areas identified through debris drift studies, but it ended without success. The challenge of locating remains One reason why such an extensive search failed to turn up clues is that no one knows exactly where to look. The Indian Ocean is the world’s third largest, and the search was conducted in a difficult area, where searchers encountered bad weather and average depths of around 4 kilometers (2.5 miles). It’s not common for planes to disappear in the deep sea, but when they do remains can be very hard to locate. Over the past 50 years, dozens of planes have vanished, according to the Aviation Safety Network. US company resumes search Malaysia’s government gave the green light in March for another “no-find, no-fee” contract with Ocean Infinity to resume the seabed search operation at a new 15,000-square-kilometer (5,800-square-mile) site in the ocean. Ocean Infinity will be paid $70 million only if wreckage is discovered. However, the search was suspended in April due to bad weather. The government said Wednesday that Ocean Infinity will resume search intermittently from Dec. 30 for a total of 55 days, in targeted areas believed to have the highest likelihood of finding the missing aircraft. It is unclear if the company has new evidence of the plane’s location. It has said it would utilize new technology and has worked with many experts to analyze data and narrow the search area to the most likely site. View the full article

Until recently, when you looked at a house for sale on Zillow, you could see property-specific scores for the risk of flooding, wildfires, wind from storms and hurricanes, extreme heat, and air quality. The numbers came from First Street, a nonprofit that uses peer-reviewed methodologies to calculate “climate risk.” But Zillow recently removed those scores after pressure from CRMLS, one of the large real-estate listing services that supplies its data. “The reality is these models have been around for over five years,” says Matthew Eby, CEO of First Street, which also provides its data to sites like Realtor.com and Redfin. (Zillow started displaying the information in 2024, but Realtor.com incorporated First Street’s “Flood Scores” in 2020.) “And what’s happened is the market’s gotten very tight. And now they’re looking for ways to try and make it easier to sell homes at the expense of homebuyers.” The California Regional MLS, like others across the country, controls the database that feeds real estate listings to sites like Zillow. The organization said in a statement to the New York Times that it was “suspicious” after seeing predictions of high flood risk in areas that hadn’t flooded in the past. When Fast Company asked for an example of a location, they pointed to a neighborhood in Huntington Beach—but that area actually just flooded last week. In a statement, First Street said that it stands behind the accuracy of its scores. “Our models are built on transparent, peer-reviewed science and are continuously validated against real-world outcomes. In the CRMLS coverage area, during the Los Angeles wildfires, our maps identified over 90% of the homes that ultimately burned as being at severe or extreme risk—our highest risk rating—and 100% as having some level of risk, significantly outperforming CalFire’s official state hazard maps. So when claims are made that our models are inaccurate, we ask for evidence. To date, all the empirical validation shows our science is working as designed and providing better risk insight than the tools the industry has relied on historically.” Zillow’s trust in the data has not changed, and that data is important to consumers: In one survey, it saw that more than 80% of buyers considered the data when shopping for a house. But the company said in a statement that it updated its “climate risk product experience to adhere to varying MLS requirements.” It’s not clear exactly what happened: In response to questions for this story, CRMLS now says it only asked Zillow to remove “predictive numbers” and flood map layers on listings, while Zillow says the MLS board voted to demand they block all of the data. It’s also not clear what would have happened if Zillow hadn’t made any changes, though in theory, the MLS could have stopped giving the site access to its listings. Zillow still links to First Street’s website in each listing, so homebuyers can access the information, but it’s less easy to find. The site also still includes a map that consumers can use to view overall neighborhood risk, if they take the extra step to click on checkboxes for flooding, fire, or other hazards. But the main scores are gone. Obviously, seeing that a particular house has a high flood risk or fire risk can hurt sales. Nevertheless, after First Street first launched, the National Association of Realtors put out guidance saying that the information was useful—and that since realtors aren’t experts in things like flood risk, they shouldn’t try to tell buyers themselves that a particular house is safe, even if it hasn’t flooded in the past. First Street’s flood data goes further than that of the Federal Emergency Management Agency, which uses outdated flood maps. It also incorporates more climate predictions, along with the risk of flooding from heavy rainfall and surface runoff, not just flooding from rivers or the coast. And it includes predictions of small amounts of flooding (for example, whether an inch of water is likely to reach the property). Buyers can dig deeper to figure out how much that amount of flooding might affect a particular house. It’s not surprising that some high risk scores have upset home sellers who haven’t experienced flooding or other problems in the past. But as the climate changes, past experiences don’t guarantee what a property will be like for the next 30 years. Take the example of North Carolina, where some residents hadn’t ever experienced flooding until Hurricane Helene dumped unprecedented rainfall on their neighborhoods. Redfin, another site that uses the data, plans to continue providing it, though sellers have the option to ask for it to be removed from a particular home if they believe it’s inaccurate. (First Street also allows homeowners to ask for their data to be revised if there’s a problem, and then reviews the accuracy.) “Redfin will continue to provide the best-possible estimates of the risks of fires, floods, and storms,” Redfin chief economist Daryl Fairweather said in a statement. “Homebuyers want to know, because losing a home in a catastrophe is heartbreaking, and insuring against these risks is getting more and more expensive.” Realtor.com is working with CRMLS and data providers to look into the issues raised by the MLS over the scores. “We aim to balance transparency about the evolving environmental risks to what is often a family’s biggest investment, with an understanding that the available data can sometimes be limited,” the company said in a statement. “For this reason we always encourage consumers to consult a local real estate professional for guidance or to learn more. When issues are raised, we work with our data partners to review them and make updates when appropriate.” If more real estate sites take down the scores, it’s likely that some buyers won’t see the information at all. First Street says that while it’s good that Zillow still includes a link to its site, the impact is real. “Whenever you add friction into something, it just is used less,” Eby says. “And so not having that information at the tip of your fingers is definitely going to have an impact on the millions of people that go to Zillow every day to see it.” View the full article

Google has changed its search bar on the Google home page by adding the ability to upload a file or an image, and then the user experience takes you directly to AI Mode. This is different from uploading an image and Google taking you to Google Search with image results and Google Lens features. Instead, this upload feature takes you into the AI Mode experience. What it looks like. Here is a video I made of the searcher’s flow: More AI Mode. Google continues to push searchers away from Google Search’s traditional search results, including AI Overviews, and directly into AI Mode. This includes Google most recently pushing searchers from AI Overviews into AI Mode, adding AI Mode to the Chrome omnibox, having the AI Mode tab always on the left and many more examples. We once reported that Google would make AI Mode the default search experience, but Google told us no, we were wrong. It does seem like this is indeed the direction Google is headed. Why we care. Again, if Google AI Mode is the place Google sends searchers to, that experience is very different than the normal search results on Google.com. Searchers are less likely to click from the AI Mode result than the traditional Google Search results. So make sure to check out how you rank and are cited within AI Mode and set your expectations for that new experience. View the full article

The The President administration says it may withhold Supplemental Nutrition Assistance Program (SNAP) benefits from recipients in 22 states and Washington, D.C starting as early as next week, unless the states in question provide information on those receiving the assistance to the federal government. The states have argued that the information being requested is private, and that handing it over would be a violation of privacy laws. On Tuesday, Agriculture Secretary Brooke Rollins addressed the issue at a Cabinet meeting. Rollins said that cooperation from all 50 states is necessary in order “to root out this fraud and to protect the American taxpayer,” doubling down on previous statements alleging that SNAP benefits are going to people who should not be receiving them, or the deceased. “We’ve arrested more than 120 people with SNAP fraud,” Rollins said in a recent News Nation interview. A USDA spokesperson said, per Newsweek, “USDA established a SNAP integrity team to analyze not only data provided by states, but to scrub all available information to end indiscriminate welfare fraud. 28 States and Guam joined us in this fight; but states like California, New York, and Minnesota, among 19 other blue States, keep fighting us.” While fraud in the program has been a frequent talking point from the USDA, there isn’t a lot of research to back the claim that SNAP fraud is widespread. According to a U.S. Congressional Research Service report from April 2025, “SNAP fraud is rare, according to available data and reports, but there is no single data point that reflects all the forms of fraud in SNAP.” Last week, officials in the 22 states that are pushing back over the issue, and Washington, D.C., sued the U.S. Department of Agriculture (USDA). The suit alleges that the USDA is “arbitrarily” excluding many lawful permanent residents from receiving SNAP benefits by misinterpreting new eligibility provisions set forth by the The President administration’s “Big, Beautiful Bill”. The legislation expanded work requirements to include those ages 55 to 64, homeless people, and more. According to the suit, the legislation is being used to prevent “individuals who once held the status of refugees, individuals granted asylum, or parolees from gaining eligibility for SNAP” once they become citizens. Prior to Rollins’ latest statement, SNAP has already been under siege in recent months with the government shutdown quickly impacting the program. On Nov. 3, the The President administration said that it would pay just 50% of recipients’ normal SNAP allotments for the month, leaving millions of Americans wondering how they would make ends meet. Rollins also recently stated that all 42 million SNAP recipients would have to reapply in order to maintain their benefits, in an assertion that some leaders have pushed back on. Last month, Senators Amy Klobuchar and Ben Ray Luján addressed Rollins and the USDA in a letter advocating against the organizations efforts to force SNAP recipients to reapply for assistance, calling it “more red tape” that will limit families’ ability to receive aid. “This reapplication requirement comes after repeated efforts to deny Americans in need of essential nutrition assistance,” the Senators wrote in the letter. It continued, “In addition to unprecedented cuts to SNAP enacted earlier this summer, decisions to disrupt food assistance during the shutdown have created additional uncertainty. We are therefore troubled that the Administration could choose, at this moment, to add additional red tape that creates duplicative and unnecessary barriers to accessing nutrition assistance for families.” View the full article

A for-profit corporation with a lower tax rate is primarily shaped by its structural choices, such as opting for S corporation status. This designation allows profits to be taxed only at the shareholder level, sidestepping the double taxation that C corporations face. As a result, these entities can retain more earnings for growth and reinvestment. Comprehending these mechanics is essential, as they greatly influence a corporation’s financial strategy and overall profitability. What other factors contribute to this dynamic? Key Takeaways For-profit corporations aim to generate income for owners or shareholders, primarily through sales and services. S corporations offer a lower tax rate by allowing profits to pass through to shareholders, avoiding corporate-level taxation. Lower corporate tax rates can enhance profitability, enabling greater reinvestment and expansion opportunities. C corporations face double taxation, while S corporations benefit from reduced tax liabilities on dividends and capital gains. Compliance with IRS regulations is essential to maintain lower tax rates and avoid penalties for for-profit corporations. Understanding For-Profit Corporations When you consider the terrain of business entities, for-profit corporations stand out as key players designed primarily to generate income for their owners or shareholders. A for-profit corporation exists to sell goods or services, with profits typically subject to corporate income tax. For C corporations, this tax rate is set at 21%. You might wonder, does a C corporation get a 1099? Typically, C corps receive 1099 forms for specific payments, but they don’t get them for their own income. Unlike S corporations, which allow income to pass through to shareholders, a C corporation faces double taxation on dividends. As a result, comprehending these aspects is crucial for maneuvering the intricacies of a for-profit corporation with a lower tax rate. Tax Benefits of For-Profit Corporations For-profit corporations offer various tax benefits that can markedly influence business decisions and financial outcomes. S Corporations, for instance, enjoy a lower tax rate as they’re not subject to federal income tax at the corporate level. This structure allows profits to pass directly to shareholders, who report income only on their individual tax returns, potentially saving significant amounts in taxes. Moreover, shareholders can deduct losses, which improves their overall tax benefits and encourages reinvestment into the business. For small to medium-sized businesses, this favorable treatment helps minimize tax liabilities. With a maximum tax rate on qualifying dividends and long-term capital gains at 23.8%, S Corporations become an attractive option for profit distribution, ensuring shareholders benefit financially. The Concept of Double Taxation Double taxation can greatly impact a business’s financial strategy, as it involves taxing corporate profits both at the corporate level and again when distributed as dividends to shareholders. This taxation structure particularly affects C corporations, which face significant tax liabilities. Here are some key points to reflect upon: C corporations pay a federal corporate income tax of 21% on profits. Shareholders then pay taxes on dividends, sometimes up to 40.8%. S corporations, in contrast, avoid this double taxation. They allow profits and losses to pass through directly to shareholders. Comprehending double taxation is crucial for choosing the right corporate structure. How Lower Tax Rates Impact Profitability When you look at the tax rate differences between S corporations and C corporations, it’s clear that lower tax rates can considerably boost profitability. With S corporations, profits pass through to shareholders, avoiding double taxation and allowing for more effective reinvestment strategies. This structure not just improves net income through tax deductions on losses but likewise creates opportunities for long-term growth, benefiting both the business and its shareholders. Tax Rate Comparison Lower corporate tax rates, such as the 21% rate established by the Tax Cuts and Jobs Act of 2017, directly influence the profitability of businesses by allowing them to retain more earnings for reinvestment. This reduction from the previous 35% notably aids C corporations, whereas S corporations enjoy a pass-through taxation system that mitigates double taxation. The impact of these tax structures manifests in several ways: Increased funds for business expansion Improved potential for growth initiatives Greater ability to weather unprofitable periods Enhanced shareholder returns through tax deductions Stimulated economic activity and job creation These factors collectively demonstrate how lower tax rates can boost profitability, enabling businesses to thrive in competitive markets. Profit Reinvestment Strategies Though many for-profit corporations enjoy significant advantages due to lower tax rates, the strategic reinvestment of profits becomes essential for long-term growth and sustainability. With S Corporations, for instance, the avoidance of double taxation allows for improved cash flow, enabling you to reinvest profits into critical areas like operations, expansion, or innovation. This flexibility in profit distribution among shareholders can lead to more informed reinvestment decisions that support business growth. Furthermore, tax deductions on losses encourage you to retain earnings rather than distribute them as dividends. By maintaining a lower tax burden, these corporations can allocate resources in the direction of competitive advantages, such as research and development, effectively positioning themselves to increase profitability and secure future success. Shareholder Financial Benefits For-profit corporations, particularly S Corporations, offer significant financial benefits to shareholders owing to their favorable tax treatment. These benefits arise from lower tax rates that improve overall profitability. Here are some key advantages you’ll experience as a shareholder: Income passes through to you, avoiding double taxation on corporate profits. You can deduct losses on your personal tax returns, reducing your overall tax liability. The maximum tax rate on qualifying dividends and long-term capital gains is only 23.8%. Reinvesting profits back into the business promotes growth, increasing your shareholder value. Compared to C Corporations, S Corporations typically lead to higher net income as a result of their pass-through taxation structure. These factors collectively optimize your financial outcomes as a shareholder. Compliance and Strategic Financial Management In terms of compliance and strategic financial management, comprehending your tax obligations is essential for a for-profit corporation. You need to focus on maximizing deductions and maintaining accurate records to guarantee compliance with IRS regulations, which helps you avoid penalties. Furthermore, implementing effective financial management strategies, like carefully planning your dividend distributions, can noticeably reduce the impact of double taxation on your earnings. Tax Compliance Requirements Tax compliance requirements for S Corporations are vital for maintaining their beneficial tax status and ensuring adherence to IRS regulations. To stay in compliance, you need to focus on several key areas: Filing Form 2553 to elect your S Corporation status. Limiting shareholders to 100 U.S. citizens or residents. Maintaining only one class of stock, which is important for compliance. Adhering to strict profit distribution rules to avoid penalties. Utilizing tax deductions on losses, allowing for optimized financial performance. Financial Management Strategies Effective financial management strategies are vital for S corporations aiming to optimize their tax advantages as well as ensuring compliance with IRS regulations. By allowing income to pass through to shareholders, S corporations help you avoid double taxation at the corporate level. To benefit from the lower tax rate, you must adhere to IRS criteria, including having no more than 100 shareholders, all of whom should be U.S. citizens or residents. Maximizing allowable deductions, such as salaries and legitimate business expenses, can greatly reduce taxable income. Furthermore, timely filing of Form 2553 is important for maintaining your S corporation status, ensuring you reap the tax benefits as you stay compliant with federal regulations and minimizing overall tax liability. Risk Mitigation Techniques Implementing robust risk mitigation techniques is crucial for for-profit corporations looking to safeguard their financial health and comply with tax regulations. Consider these strategies: Conduct regular audits to guarantee adherence to IRS regulations, minimizing penalties. Maximize allowable deductions through thorough tax planning to lower taxable income. Utilize tax credits and incentives offered by federal and state governments to improve cash flow. Establish internal controls for accurate financial reporting, reducing the risk of costly errors. Engage professional tax advisors and employ integrated tax software to streamline compliance efforts. Comparing For-Profit and Non-Profit Entities When comparing for-profit and non-profit entities, it’s essential to understand their fundamental purposes and operational structures. For-profit corporations aim to generate profits for their owners, whereas non-profits focus on serving a public or mutual benefit without distributing profits to shareholders. For instance, S Corporations enjoy a lower tax rate by allowing income to pass through to shareholders, thereby avoiding double taxation. Conversely, non-profits can achieve tax-exempt status under IRS 501(c)(3), enabling them to operate without paying federal income taxes, provided they follow strict regulations. Non-profits often depend on grants and donations, leading to less stable revenue. They additionally face more stringent financial management rules than for-profits, which enjoy greater flexibility in their operations. Frequently Asked Questions What Is a for Profit Corporation With a Lower Tax Rate? A for-profit corporation with a lower tax rate typically refers to an S Corporation. This type of corporation allows profits and losses to pass directly to shareholders without facing corporate taxation, which can lead to tax savings. By electing S Corporation status, you avoid double taxation, allowing you to reinvest profits into the business. Nevertheless, keep in mind that S Corporations have restrictions, including a limit of 100 shareholders who must be U.S. citizens or residents. Is a Lower Corporate Tax Rate Better? A lower corporate tax rate can be beneficial, as it allows you to retain more earnings for reinvestment or distribution. With more capital available, you might invest in expansion, research, or marketing initiatives, potentially spurring economic growth and job creation. Nevertheless, it’s crucial to evaluate the broader implications, as reduced tax revenue could impact public funding for services. Weighing these factors helps determine if a lower tax rate is truly advantageous for your business. What Is Classed as Profit for Corporation Tax? For corporation tax purposes, profit is defined as total receipts minus allowable deductions. You calculate taxable profits by subtracting business-related expenses from your net earnings. These expenses can include costs like wages, interest, and depreciation. By focusing on maximizing these deductions, you can effectively lower your taxable profits, thereby reducing your overall tax liability. Comprehending this calculation is essential for effective financial planning and tax strategy management within your corporation. What Corporation With a Low Tax Rate and Prevents the Company From Being Double Taxed? If you’re looking for a corporation that minimizes tax burdens and avoids double taxation, consider an S Corporation. This structure allows profits and losses to pass directly to shareholders, who report them on their individual tax returns. By doing so, the S Corporation itself doesn’t pay federal income tax. To qualify, your business must meet IRS criteria, such as having no more than 100 shareholders, all of whom must be U.S. citizens or residents. Conclusion In conclusion, for-profit corporations with lower tax rates, such as S corporations, leverage their pass-through taxation structure to improve profitability and retain earnings for growth. This approach avoids double taxation, allowing shareholders to benefit directly from the corporation’s financial success. By comprehending these tax advantages and implementing strategic financial management practices, these corporations can effectively navigate compliance requirements and optimize their growth potential. In the end, this results in increased returns for shareholders and a more robust business model. Image via Google Gemini This article, "What Defines a For-Profit Corporation With a Lower Tax Rate?" was first published on Small Business Trends View the full article

A for-profit corporation with a lower tax rate is primarily shaped by its structural choices, such as opting for S corporation status. This designation allows profits to be taxed only at the shareholder level, sidestepping the double taxation that C corporations face. As a result, these entities can retain more earnings for growth and reinvestment. Comprehending these mechanics is essential, as they greatly influence a corporation’s financial strategy and overall profitability. What other factors contribute to this dynamic? Key Takeaways For-profit corporations aim to generate income for owners or shareholders, primarily through sales and services. S corporations offer a lower tax rate by allowing profits to pass through to shareholders, avoiding corporate-level taxation. Lower corporate tax rates can enhance profitability, enabling greater reinvestment and expansion opportunities. C corporations face double taxation, while S corporations benefit from reduced tax liabilities on dividends and capital gains. Compliance with IRS regulations is essential to maintain lower tax rates and avoid penalties for for-profit corporations. Understanding For-Profit Corporations When you consider the terrain of business entities, for-profit corporations stand out as key players designed primarily to generate income for their owners or shareholders. A for-profit corporation exists to sell goods or services, with profits typically subject to corporate income tax. For C corporations, this tax rate is set at 21%. You might wonder, does a C corporation get a 1099? Typically, C corps receive 1099 forms for specific payments, but they don’t get them for their own income. Unlike S corporations, which allow income to pass through to shareholders, a C corporation faces double taxation on dividends. As a result, comprehending these aspects is crucial for maneuvering the intricacies of a for-profit corporation with a lower tax rate. Tax Benefits of For-Profit Corporations For-profit corporations offer various tax benefits that can markedly influence business decisions and financial outcomes. S Corporations, for instance, enjoy a lower tax rate as they’re not subject to federal income tax at the corporate level. This structure allows profits to pass directly to shareholders, who report income only on their individual tax returns, potentially saving significant amounts in taxes. Moreover, shareholders can deduct losses, which improves their overall tax benefits and encourages reinvestment into the business. For small to medium-sized businesses, this favorable treatment helps minimize tax liabilities. With a maximum tax rate on qualifying dividends and long-term capital gains at 23.8%, S Corporations become an attractive option for profit distribution, ensuring shareholders benefit financially. The Concept of Double Taxation Double taxation can greatly impact a business’s financial strategy, as it involves taxing corporate profits both at the corporate level and again when distributed as dividends to shareholders. This taxation structure particularly affects C corporations, which face significant tax liabilities. Here are some key points to reflect upon: C corporations pay a federal corporate income tax of 21% on profits. Shareholders then pay taxes on dividends, sometimes up to 40.8%. S corporations, in contrast, avoid this double taxation. They allow profits and losses to pass through directly to shareholders. Comprehending double taxation is crucial for choosing the right corporate structure. How Lower Tax Rates Impact Profitability When you look at the tax rate differences between S corporations and C corporations, it’s clear that lower tax rates can considerably boost profitability. With S corporations, profits pass through to shareholders, avoiding double taxation and allowing for more effective reinvestment strategies. This structure not just improves net income through tax deductions on losses but likewise creates opportunities for long-term growth, benefiting both the business and its shareholders. Tax Rate Comparison Lower corporate tax rates, such as the 21% rate established by the Tax Cuts and Jobs Act of 2017, directly influence the profitability of businesses by allowing them to retain more earnings for reinvestment. This reduction from the previous 35% notably aids C corporations, whereas S corporations enjoy a pass-through taxation system that mitigates double taxation. The impact of these tax structures manifests in several ways: Increased funds for business expansion Improved potential for growth initiatives Greater ability to weather unprofitable periods Enhanced shareholder returns through tax deductions Stimulated economic activity and job creation These factors collectively demonstrate how lower tax rates can boost profitability, enabling businesses to thrive in competitive markets. Profit Reinvestment Strategies Though many for-profit corporations enjoy significant advantages due to lower tax rates, the strategic reinvestment of profits becomes essential for long-term growth and sustainability. With S Corporations, for instance, the avoidance of double taxation allows for improved cash flow, enabling you to reinvest profits into critical areas like operations, expansion, or innovation. This flexibility in profit distribution among shareholders can lead to more informed reinvestment decisions that support business growth. Furthermore, tax deductions on losses encourage you to retain earnings rather than distribute them as dividends. By maintaining a lower tax burden, these corporations can allocate resources in the direction of competitive advantages, such as research and development, effectively positioning themselves to increase profitability and secure future success. Shareholder Financial Benefits For-profit corporations, particularly S Corporations, offer significant financial benefits to shareholders owing to their favorable tax treatment. These benefits arise from lower tax rates that improve overall profitability. Here are some key advantages you’ll experience as a shareholder: Income passes through to you, avoiding double taxation on corporate profits. You can deduct losses on your personal tax returns, reducing your overall tax liability. The maximum tax rate on qualifying dividends and long-term capital gains is only 23.8%. Reinvesting profits back into the business promotes growth, increasing your shareholder value. Compared to C Corporations, S Corporations typically lead to higher net income as a result of their pass-through taxation structure. These factors collectively optimize your financial outcomes as a shareholder. Compliance and Strategic Financial Management In terms of compliance and strategic financial management, comprehending your tax obligations is essential for a for-profit corporation. You need to focus on maximizing deductions and maintaining accurate records to guarantee compliance with IRS regulations, which helps you avoid penalties. Furthermore, implementing effective financial management strategies, like carefully planning your dividend distributions, can noticeably reduce the impact of double taxation on your earnings. Tax Compliance Requirements Tax compliance requirements for S Corporations are vital for maintaining their beneficial tax status and ensuring adherence to IRS regulations. To stay in compliance, you need to focus on several key areas: Filing Form 2553 to elect your S Corporation status. Limiting shareholders to 100 U.S. citizens or residents. Maintaining only one class of stock, which is important for compliance. Adhering to strict profit distribution rules to avoid penalties. Utilizing tax deductions on losses, allowing for optimized financial performance. Financial Management Strategies Effective financial management strategies are vital for S corporations aiming to optimize their tax advantages as well as ensuring compliance with IRS regulations. By allowing income to pass through to shareholders, S corporations help you avoid double taxation at the corporate level. To benefit from the lower tax rate, you must adhere to IRS criteria, including having no more than 100 shareholders, all of whom should be U.S. citizens or residents. Maximizing allowable deductions, such as salaries and legitimate business expenses, can greatly reduce taxable income. Furthermore, timely filing of Form 2553 is important for maintaining your S corporation status, ensuring you reap the tax benefits as you stay compliant with federal regulations and minimizing overall tax liability. Risk Mitigation Techniques Implementing robust risk mitigation techniques is crucial for for-profit corporations looking to safeguard their financial health and comply with tax regulations. Consider these strategies: Conduct regular audits to guarantee adherence to IRS regulations, minimizing penalties. Maximize allowable deductions through thorough tax planning to lower taxable income. Utilize tax credits and incentives offered by federal and state governments to improve cash flow. Establish internal controls for accurate financial reporting, reducing the risk of costly errors. Engage professional tax advisors and employ integrated tax software to streamline compliance efforts. Comparing For-Profit and Non-Profit Entities When comparing for-profit and non-profit entities, it’s essential to understand their fundamental purposes and operational structures. For-profit corporations aim to generate profits for their owners, whereas non-profits focus on serving a public or mutual benefit without distributing profits to shareholders. For instance, S Corporations enjoy a lower tax rate by allowing income to pass through to shareholders, thereby avoiding double taxation. Conversely, non-profits can achieve tax-exempt status under IRS 501(c)(3), enabling them to operate without paying federal income taxes, provided they follow strict regulations. Non-profits often depend on grants and donations, leading to less stable revenue. They additionally face more stringent financial management rules than for-profits, which enjoy greater flexibility in their operations. Frequently Asked Questions What Is a for Profit Corporation With a Lower Tax Rate? A for-profit corporation with a lower tax rate typically refers to an S Corporation. This type of corporation allows profits and losses to pass directly to shareholders without facing corporate taxation, which can lead to tax savings. By electing S Corporation status, you avoid double taxation, allowing you to reinvest profits into the business. Nevertheless, keep in mind that S Corporations have restrictions, including a limit of 100 shareholders who must be U.S. citizens or residents. Is a Lower Corporate Tax Rate Better? A lower corporate tax rate can be beneficial, as it allows you to retain more earnings for reinvestment or distribution. With more capital available, you might invest in expansion, research, or marketing initiatives, potentially spurring economic growth and job creation. Nevertheless, it’s crucial to evaluate the broader implications, as reduced tax revenue could impact public funding for services. Weighing these factors helps determine if a lower tax rate is truly advantageous for your business. What Is Classed as Profit for Corporation Tax? For corporation tax purposes, profit is defined as total receipts minus allowable deductions. You calculate taxable profits by subtracting business-related expenses from your net earnings. These expenses can include costs like wages, interest, and depreciation. By focusing on maximizing these deductions, you can effectively lower your taxable profits, thereby reducing your overall tax liability. Comprehending this calculation is essential for effective financial planning and tax strategy management within your corporation. What Corporation With a Low Tax Rate and Prevents the Company From Being Double Taxed? If you’re looking for a corporation that minimizes tax burdens and avoids double taxation, consider an S Corporation. This structure allows profits and losses to pass directly to shareholders, who report them on their individual tax returns. By doing so, the S Corporation itself doesn’t pay federal income tax. To qualify, your business must meet IRS criteria, such as having no more than 100 shareholders, all of whom must be U.S. citizens or residents. Conclusion In conclusion, for-profit corporations with lower tax rates, such as S corporations, leverage their pass-through taxation structure to improve profitability and retain earnings for growth. This approach avoids double taxation, allowing shareholders to benefit directly from the corporation’s financial success. By comprehending these tax advantages and implementing strategic financial management practices, these corporations can effectively navigate compliance requirements and optimize their growth potential. In the end, this results in increased returns for shareholders and a more robust business model. Image via Google Gemini This article, "What Defines a For-Profit Corporation With a Lower Tax Rate?" was first published on Small Business Trends View the full article

As the holidays approach, and I walk through our historic mill in Faribault, Minnesota, I’m reminded of how much work matters—not just for what it produces, but for what it represents. At Faribault Mill, we make artisanal wool and cotton blankets the old-fashioned way: spinning, weaving, and finishing under one roof, much as we have since the company’s founding in 1865. We also design, market, sell, and ship those same products directly to consumers across the country. In a world where most companies outsource one step or another, we do it all. That makes us one of the few fully vertically integrated manufacturers left in America, and it gives us a unique perspective on the value of work, across every discipline and title. In our company, “blue collar” and “white collar” aren’t separate worlds; they’re on the same team. The loom operator depends on the marketing manager. The salesperson depends on the sewers to make what we promise. And the shipping team depends on both to ensure every order arrives on time. We succeed only when every link in that chain works together. That’s not just true in our mill—it’s true across America. Yet too often, our society talks about work in ways that divide instead of connect. We frame debates as worker versus employer, white collar versus blue, corporate versus labor, us versus them. But those are false choices. To be pro-worker you must also be pro-employer, and to be pro-business you must also be pro-employee. THE DIGNITY OF ALL WORK I spend a lot of time on our mill floor, and what I see there is something deeply American: people showing up, solving problems, learning trades, and taking pride in making something real. But I also see the same pride in our offices—in the designers who obsess over every product detail, the digital marketers who bring our brand to life online, and the customer service team who answers the phone when someone calls to say they’re gifting a Faribault blanket to their new grandchild. All of it is work, all of it is valuable, and all of it deserves respect. A FULLY INTEGRATED AMERICAN BUSINESS At Faribault Mill, we don’t just make products, we build relationships from start to finish. We source the fiber, spin it into yarn, weave it into fabric, finish it into blankets, and then sell it directly to customers in stores, online, and through retail partners. We photograph every product, write every description, and ship every order ourselves—often from the same building where it was made. That level of integration means everyone at our company has a stake in the outcome. The weaver on the floor sees the final product featured in our marketing mailers. The marketing team understands the work that goes into running a loom. The warehouse team sees firsthand how a surge in holiday demand affects production. This connectedness creates a sense of shared purpose—the belief that what we do matters not just to the business, but to one another. It’s not always easy. There are late nights, tight deadlines, and tough decisions, but it’s real and it’s honest, and it’s exactly what American work should be. THE HOLIDAYS AND THE SPIRIT OF WORK During the holidays, our mill runs at full tilt. Orders spike, machines run longer, and the warehouse buzzes with activity. But for our team, this season isn’t just about sales. It’s about the satisfaction of knowing that tens of thousands of families will open a box on Christmas morning and find something made by hand, by people who care. That’s the magic of work when it’s done with purpose. It’s also a reminder that behind every product—whether it’s a wool blanket, a meal in a restaurant, or a car rolling off the line—there are people who make it possible. Workers and managers; designers and operators; the seen and the unseen. THE PARTNERSHIP THAT POWERS PROGRESS Work in America has never been a solo act. The great advances in our history, from the Industrial Revolution to the digital age, have all come from teamwork and partnership. It is between inventors and operators, owners and workers, management and labor. The most sustainable companies aren’t those that treat workers as costs or management as adversaries. They’re the ones who understand shared success. At Faribault Mill, we compete every day with global brands that make things cheaper overseas. We can’t win on price alone, but we can win on quality, authenticity, and the strength of our team. That requires trust between every person in the company, from the spinning floor to the boardroom. We don’t get everything right, but we try to model what’s possible when a business honors both sides of the work equation. A CALL FOR RESPECT AND RENEWAL This holiday season, as we reflect on what unites us, I hope we can start to see work itself as sacred, not just a means to an end, but as the connective tissue of a healthy society. That means valuing people who make things just as much as those who market them. It means celebrating both the weaver and the web developer, the craftsman and the creative, the shop-floor supervisor and the CEO. The future of American enterprise depends on both. Ross Widmoyer is president and CEO of Faribault Mill. View the full article

In 1933, construction workers building the Rockefeller Center in New York City put up a tree around Christmas to celebrate the season. This simple action unintentionally started a beloved holiday tradition the whole world would come to enjoy. Fast-forward to tonight, and a much larger tree will be illuminated, signaling that the holiday season has officially begun. The 2025 Rockefeller Tree Lighting ceremony will be televised tonight at 8 p.m. ET. Here’s everything you need to know about the jolly event, including how to tune in. The 411 about this year’s Rockefeller Christmas tree Every year, head gardener Erik Pauze tirelessly searches for the perfect tree. This year’s specimen is a Norway spruce donated by the Russ family of East Greenbush, New York. The 75-foot wonder traveled 130 miles to spread holiday cheer, and is believed to be 75 years old. After its illumination duties end in mid-January, the lumber of the tree will be donated to Habitat for Humanity to build homes for those in need. How is the Rockefeller Christmas tree decorated? A whopping 50,000 LED lights will make the tree shine brightly for all to enjoy. On top will sit an equally impressive Swarovski star. This dazzling tree-topper weighs in at 900 pounds and is nine feet in diameter. It is made up of 70 spikes and more than three million crystals. Who’s hosting the 2025 Rockefeller Tree Lighting? Country music star Reba McEntire is serving as master of ceremonies for the first time ever. She told People this will be the first time she has visited New York City in December. She even has a plan to keep warm. “I’m going to triple, quadruple layer,” she explained to the magazine. “I’ll probably have my heated vest on, and all the clothes I can, insulated underwear.” Who’s performing at the 2025 Rockefeller Tree Lighting? McEntire will also lend her vocal talents to the event, and she’s not the only performer slated. She will be joined by Marc Anthony, Halle Bailey, Michael Bublé, Kristin Chenoweth, Laufey, New Edition, Brad Paisley, Carly Pearce, and Gwen Stefani. Additionally, the kicks will be high when the Radio City Rockettes take the stage. Today anchors Savannah Guthrie, Craig Melvin, and Al Roker will also make an appearance. How to tune in The merriment begins at 8 p.m. ET on NBC. This means those with traditional cable subscriptions and over-the-air antennas with reception are covered. Cord-cutters can turn to Peacock. If Peacock is not in your streaming arsenal, other live TV streaming services, such as DirecTV, Hulu + Live TV, and Fubo, all carry NBC in most regions. They also offer free trials of varying lengths. Before committing to a new streaming service, be sure to double check that it carries NBC in your region, as availability varies by location. View the full article

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. Among the nation’s 100 largest metro area housing markets, no major market saw greater home price appreciation during the Pandemic Housing Boom than Austin, TX—where home prices surged a staggering 72.5% between March 2020 and June 2022. Since the boom fizzled out three years ago, Austin has also experienced the largest home price correction (-26.0%) among those same 100 major markets. Austin being among the hardest-hit markets isn’t surprising. Back in May 2022, I wrote an article for Fortune outlining Austin’s heightened downside risk this cycle, driven in part by the fact that the market had significantly overheated and become markedly overvalued relative to underlying fundamentals, including local incomes. Put simply: The bigger the local boom, the greater the potential for a local bust. Three years on, that rule of thumb has proven to be a useful guide for the post-Pandemic Housing Boom period. For today’s article, ResiClub analyzed how much home prices rose during the Pandemic Housing Boom between March 2020 and June 2022 and examined how they correlate with the shift in home prices since the 2022 peak. We looked at just the nation’s 100 largest metro areas by population. The finding? There’s a moderate statistical correlation (R² = 0.37) between home price shift between March 2020 and June 2022 and the change in home prices from their 2022 peak through the end of October 2025. If the New Orleans metro—the largest outlier—is excluded, that correlation strengthens slightly (R² = 0.44). Our statistical analysis suggests that the U.S. housing market, to a degree, is experiencing a classic partial mean-reversion cycle. The markets that overshot the fundamentals the most during the 2020–2022 frenzy generally gave back more ground afterward. It makes sense: Housing markets where prices rose too high too fast—and became increasingly detached from local incomes and income growth—were more likely to experience a sharper demand shock once the boom ended. That was especially true in markets where the run-up had been fueled by an influx of higher-income out-of-state buyers during the Pandemic Housing Boom, a source of demand that could also roll over. In statistical terms, an R² of 0.37 means that about 37% of the variation in how local home prices have performed since 2022 can be explained by how hot they ran during the pandemic frenzy. (When we ran a similar analysis in August using Q2 2022 overvaluation scores, we arrived at a similar result: R² = 0.27.) Of course, other factors are at play. This coming weekend, ResiClub PRO members will receive a more in-depth research article exploring the other variables driving today’s regional home price variation across the country. View the full article

In the race to deploy large language models and generative AI across global markets, many companies assume that “English model → translate it” is sufficient. But if you’re an American executive preparing for expansion into Asia, Europe, the Middle East, or Africa, that assumption could be your biggest blind spot. In those regions, language isn’t just a packaging detail: it’s culture, norms, values, and business logic all wrapped into one. If your AI doesn’t code-switch, it won’t just underperform; it may misinterpret, misalign, or mis-serve your new market. The multilingual and cultural gap in LLMs Most of the major models are still trained predominantly on English-language corpora, and that creates a double disadvantage when deployed in other languages. For example, a study found that non-English and morphologically complex languages often incur 3–5X more tokens (and hence cost and compute) per unit of text compared to English. Another research paper places around 1.5 billion people speaking low-resource languages at higher cost and worse performance when using mainstream English-centric models. The result: a model that works well for American users may stumble in India, the Gulf, or Southeast Asia, not because the business problem is harder, but because the system lacks the cultural-linguistic infrastructure to handle it. A regional example worth noting Take Mistral Saba, launched by French company Mistral AI as a 24B-parameter model tailored for Arabic and South Asian languages (Tamil, Malayalam, etc.) Mistral touts that Saba “provides more accurate and relevant responses than models five times its size” when used in those regions. But it also underperforms in English benchmarks. That’s the point: context matters more than volume. A model may be smaller but far smarter for its locale. For a U.S. company entering the MENA region (Middle East & North Africa) or the South-Asia market, that means your “global” AI strategy isn’t global unless it respects local languages, idioms, regulation, and context. Token costs, language bias, and global ROI From a business perspective, the technical detail of tokenization matters. A recent article points out that inference costs for Chinese may be 2X English, while for languages like Shan or Burmese, token inflation can be 15X. That means if your model uses English-based encoding and you deploy in non-English markets, your usage cost skyrockets, or your quality drops because you cut back tokens. And because your training corpus was heavily English-centric, your “underlying model” may lack semantic depth in other languages. Add culture and normative differences into the mix: tone, references, business practices, cultural assumptions, etc., and you arrive at a very different competitive set: not “were we accurate” but “were we relevant.” Why it matters for executives expanding abroad If you’re leading a U.S. corporation or scaling startup into international markets, here are three implications: Model selection isn’t one-size-fits-all: you may need a regional model or a specialized fine-tuning layer, not just the largest English model you can license. Cost structure will vary by language and region: token inflation and encoding inefficiencies mean your unit cost in non-English markets will likely be higher, unless you plan for it. Brand risk and user experience are cultural: A chatbot that misunderstands basic local context (e.g., religious calendar, locale idioms, regulatory norms) will erode trust faster than a slower response. How to build a culturally aware multilingual AI strategy For executives ready to sell, serve, and operate in global markets, here are practical steps: Map languages and markets as first-class features. Before you pick your largest model, list your markets, languages, local norms, and business priorities. If Arabic, Hindi, Malay, or Thai matter, treat them not as “translations” but as first-class use-cases. Consider regional models or joint-deployment. A model like Mistral Saba may handle Arabic content more cheaply, more accurately, and more natively than a generic English model fine-tuned. Plan for token-cost inflation. Use pricing comparison tools. A model may have a U.S. cost of $X per 1 M tokens, but if your deployment is Turkish or Thai, the effective cost may be 2X or more. Fine-tune not just for language, but for culture and business logic. Local datasets shouldn’t just include language, they should capture regional context: regulations, business customs, idioms, risk frameworks. Design for active switching and evaluation. Don’t assume your global model will behave locally. Deploy pilot tests, evaluate on local benchmarks, test user-acceptance, and include local governance in your rollout. The bigger ethical and strategic lens When AI models privilege English and Anglophone norms, we risk reinforcing cultural hegemony. The technical inefficiencies (token cost, performance gap) are symptoms of a deeper bias: which voices, languages, economies are considered “core” versus “edge.” As executives, it’s tempting to think “we’ll translate later.” But translation alone fails to address token inflation, semantic mismatch, cultural irrelevance. The real challenge is making AI locally grounded and globally scaled. If you’re betting on generative AI to power your expansion into new markets, don’t treat language as a footnote. Language is infrastructure. Cultural fluency is a competitive advantage. Token costs and performance disparities are not just technical: they are strategic. In the AI world, English was the path of least resistance. But your next growth frontier? It might require language, culture, and cost structures that act more like differentiators than obstacles. Choose your model, languages, rollout strategy not on the size of the parameter count, but on how well it understands your market. If you don’t, you won’t just fall behind in performance: you’ll fall behind in credibility and relevance. View the full article

Small Business Saturday presents a vital opportunity for local entrepreneurs to win over customers and boost their community profiles. Yet, data from a recent SurveyMonkey report reveals that a significant portion of the public remains unaware of local offerings. This lack of awareness poses a challenge, but also highlights areas where small business owners can focus their marketing efforts for greater success. According to the SurveyMonkey data, 41% of respondents indicated they would not shop on Small Business Saturday due to a lack of knowledge about local businesses. The potential for small enterprises to gain traction hinges critically on increasing visibility. This finding is a clarion call for small businesses to ramp up their community engagement and outreach campaigns. “Small businesses play a crucial role in our economy, and raising awareness of their offerings is essential,” noted a SurveyMonkey spokesperson. Quite simply, if consumers don’t know about the local gems in their neighborhoods, they won’t shop there, regardless of the deals on offer. In practical terms, small business owners should consider implementing targeted local marketing strategies. Collaborating with neighboring businesses for joint promotions can create synergistic effects that attract foot traffic. Leveraging social media platforms to share customer testimonials and engage with the community can also enhance visibility. Consider holding special events or offering exclusive discounts to appeal to local shoppers on Small Business Saturday. However, small business owners must also grapple with misconceptions about their prices. SurveyMonkey found that 25% of potential shoppers are deterred by the belief that local offerings are more expensive than those from larger retailers. To counter this perception, transparent pricing strategies, showcasing value, and emphasizing the quality of local products are essential. Moreover, 19% of consumers cited inconvenient shipping options as another barrier. Small businesses can streamline logistics by offering local delivery or in-store pickup options. Promoting these services can turn perceived disadvantages into advantages that resonate with local shoppers. While challenges abound, the opportunities for small businesses to thrive on days like Small Business Saturday are bountiful. Seven in ten small businesses reported participating in the event last year, indicating a robust commitment to community engagement and sales initiatives. The proactive marketing of local products isn’t merely beneficial; it’s a necessary strategy for small businesses aiming for growth amid competition from larger chains. Nonetheless, small business owners may need to prepare for hurdles along the way. Limited marketing budgets and resources can make it challenging to establish a solid presence. Building and maintaining community relationships requires time and effort but can yield long-term rewards. The key takeaway is to view Small Business Saturday as more than a one-day event. Consistent community involvement and long-term outreach campaigns can lead to sustainable growth. Small businesses that remain actively engaged with their customer base will foster loyalty that extends beyond the holiday shopping season. As Small Business Saturday approaches, it becomes increasingly clear that the initiative’s success hinges on grassroots strategies. Increasing local awareness, addressing perceptions about pricing, and enhancing convenience are critical avenues for maximizing sales. Local entrepreneurs who adapt their marketing approaches in response to consumer feedback will be better equipped to thrive. The SurveyMonkey report’s findings serve as a valuable reminder: success in local retail hinges on both demonstrating value and fostering relationships. Small/independent businesses that invest in these efforts can carve out a dedicated customer base that appreciates the unique offerings of their community. For further insights from the SurveyMonkey report, visit the original post here. Image via Google Gemini This article, "Many Avoid Small Business Saturday Due to Lack of Awareness and Price Concerns" was first published on Small Business Trends View the full article

Small Business Saturday presents a vital opportunity for local entrepreneurs to win over customers and boost their community profiles. Yet, data from a recent SurveyMonkey report reveals that a significant portion of the public remains unaware of local offerings. This lack of awareness poses a challenge, but also highlights areas where small business owners can focus their marketing efforts for greater success. According to the SurveyMonkey data, 41% of respondents indicated they would not shop on Small Business Saturday due to a lack of knowledge about local businesses. The potential for small enterprises to gain traction hinges critically on increasing visibility. This finding is a clarion call for small businesses to ramp up their community engagement and outreach campaigns. “Small businesses play a crucial role in our economy, and raising awareness of their offerings is essential,” noted a SurveyMonkey spokesperson. Quite simply, if consumers don’t know about the local gems in their neighborhoods, they won’t shop there, regardless of the deals on offer. In practical terms, small business owners should consider implementing targeted local marketing strategies. Collaborating with neighboring businesses for joint promotions can create synergistic effects that attract foot traffic. Leveraging social media platforms to share customer testimonials and engage with the community can also enhance visibility. Consider holding special events or offering exclusive discounts to appeal to local shoppers on Small Business Saturday. However, small business owners must also grapple with misconceptions about their prices. SurveyMonkey found that 25% of potential shoppers are deterred by the belief that local offerings are more expensive than those from larger retailers. To counter this perception, transparent pricing strategies, showcasing value, and emphasizing the quality of local products are essential. Moreover, 19% of consumers cited inconvenient shipping options as another barrier. Small businesses can streamline logistics by offering local delivery or in-store pickup options. Promoting these services can turn perceived disadvantages into advantages that resonate with local shoppers. While challenges abound, the opportunities for small businesses to thrive on days like Small Business Saturday are bountiful. Seven in ten small businesses reported participating in the event last year, indicating a robust commitment to community engagement and sales initiatives. The proactive marketing of local products isn’t merely beneficial; it’s a necessary strategy for small businesses aiming for growth amid competition from larger chains. Nonetheless, small business owners may need to prepare for hurdles along the way. Limited marketing budgets and resources can make it challenging to establish a solid presence. Building and maintaining community relationships requires time and effort but can yield long-term rewards. The key takeaway is to view Small Business Saturday as more than a one-day event. Consistent community involvement and long-term outreach campaigns can lead to sustainable growth. Small businesses that remain actively engaged with their customer base will foster loyalty that extends beyond the holiday shopping season. As Small Business Saturday approaches, it becomes increasingly clear that the initiative’s success hinges on grassroots strategies. Increasing local awareness, addressing perceptions about pricing, and enhancing convenience are critical avenues for maximizing sales. Local entrepreneurs who adapt their marketing approaches in response to consumer feedback will be better equipped to thrive. The SurveyMonkey report’s findings serve as a valuable reminder: success in local retail hinges on both demonstrating value and fostering relationships. Small/independent businesses that invest in these efforts can carve out a dedicated customer base that appreciates the unique offerings of their community. For further insights from the SurveyMonkey report, visit the original post here. Image via Google Gemini This article, "Many Avoid Small Business Saturday Due to Lack of Awareness and Price Concerns" was first published on Small Business Trends View the full article

The OBBBA just reset the rules. Quick Tax Tip With Art Werner Go PRO for members-only access to more Art Werner. View the full article

Here is a recap of what happened in the search forums today...View the full article

The OBBBA just reset the rules. Quick Tax Tip With Art Werner Go PRO for members-only access to more Art Werner. View the full article

Chief executive Gary Nagle also unveils plans to turn Swiss miner into ‘biggest copper producer in the world’View the full article