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While the chipmaker is the big winner from the booming technology, it is singularly exposed to changing expectationsView the full article

As companies adopt AI, the conversation is shifting from the promise of productivity to concerns about AI’s impact on wellbeing. Business leaders can’t ignore the warning signs. The mental health crisis isn’t new, but AI is changing how we must address it. More than 1 billion people experience mental health conditions. Burnout is rising. And more people are turning to AI for support without the expertise of trained therapists. What starts as “empathy on demand” could accelerate loneliness. What’s more, Stanford research found that “these tools could introduce biases and failures that could result in dangerous consequences.” With the right leadership, AI can usher in a human renaissance: simplifying complex challenges, freeing up capacity, and sparking creativity. But optimism alone isn’t a strategy. That’s why responsible AI adoption is a business imperative, especially for companies building the technology. That work is not easy, but it’s necessary. UNCLEAR EXPECTATIONS We’ve seen what happens when powerful platforms are built without the right guardrails: Algorithms can fuel outrage, deepen disconnection, and undermine trust. If we deploy AI without grounding it in values, ethics, and governance—designing the future without prioritizing wellbeing—we risk losing the trust and energy of the very people who would lead the renaissance. I’ve seen this dynamic up close. In conversations with business and HR leaders, and through my work on the board of Project Healthy Minds, the signals are clear: People are struggling with unclear expectations around AI use, job insecurity, loneliness, uncertainty, and exhaustion. In a recent conversation with Phil Schermer, founder and CEO of Project Health Minds, he told me, “There’s a reason why professional sports teams and hedge funds alike are investing in mental health programs for their teams that enable them to operate at the highest level. Companies that invest in improving the mental health of their workforce see higher levels of productivity, innovation, and retention of high performers.” 5 WAYS TO BUILD AN AI-FIRST WORKPLACE THAT PROTECTS WELLBEING Wellbeing should be at the core of the AI enablement strategy. Here are five ways to incorporate it. 1. Set clear expectations Employees need to understand how to work with AI and that their leaders have their back. That means prioritizing governance and encouraging experimentation within safe, ethical guardrails. Good governance builds trust, and trust is the foundation of any successful transformation. Investing in learning and growth sends a powerful message to employees: You belong in the future we’re building if you’re willing to adapt. We prioritize skill building through ServiceNow University so every employee feels confident working with AI day-to-day. In a conversation with Open Machine CEO and AI advisor Allie K. Miller, she told me that we need to redefine success in jobs by an employee’s output, value, and quality as they work with AI agents. This means looking at things like business impact and creativity, not just processes or tasks completed. 2. Model healthy AI behavior AI implementation is a cultural shift. If we want employees to trust the technology, they need to see leaders and managers do the same. That modeling starts with curiosity. Employees don’t need to be AI experts from day one, but they need to show a willingness to learn. Set norms around when, why, and how often teams engage with AI tools. Ask questions, share experiments, and celebrate use cases where AI saved time or sparked creativity. AI shouldn’t be an “opt in” for teams—it should be part of how we work, learn, and grow. When leaders use AI thoughtfully, employees are more likely to follow suit. 3. Pulse-check employee sentiment consistently To design meaningful wellbeing programs, leaders must ground analysis in data, continuously improve, and build for scale. That starts by surveying employees to track sentiment, trust, and AI-related fatigue in real time. Then comes the harder part: acting on the data to show employees they’re seen and supported. Leaders should ask: Are we tailoring wellbeing strategies to the unique needs of teams, regions, and roles? Are we embedding empathy into our platforms, workflows, and automated tasks? Are our AI tools safe, unbiased, and aligned to our values? Are we making mental health a routine part of manager check-ins? According to Schermer, “The organizations making the biggest strides are the ones treating wellbeing data like commercial data: measured frequently, acted on quickly, and tied directly to outcomes.” 4. Focus on connection, keeping people at the center AI should not replace professional mental healthcare or real-world connections. We must resist the urge to “scale empathy” through bots alone. The unique human ability to notice distress, empathize, and escalate is largely irreplaceable. That’s why leaders should advocate for human-first escalation ladders and align their policies to the World Health Organization’s guidance on AI for health. Some researchers are exploring “traffic light” systems to flag when AI tools for mental health might cross ethical or personal boundaries. AI adoption is a human shift, so people leaders need to take responsibility for AI transformation. That’s why my chief people officer role at ServiceNow evolved to include chief AI enablement officer. Today’s leadership imperatives include reducing the stigma around mental health, building confidence in AI systems, creating space for open human connection, and encouraging dialogue about digital anxiety, loneliness, or job insecurity. 5. Champion cross-sector collaboration We need collaboration across industries and leadership roles—from tech to healthcare, from HR professionals to policymakers—to create systems of care alongside AI. The most effective strategies come from collective action. That’s why leaders should partner with coalitions to scale access to care, expand AI literacy, and advocate for mental health in the workforce. These partnerships can help us shape a better future for our people. THE BOTTOM LINE: AI MUST BE BUILT TO WORK FOR PEOPLE The future of work should be defined by trust, transparency, and humanity. This is our moment to lead with empathy, design with purpose, and build AI that works for people, not just productivity. Jacqui Canney is chief people and AI enablement officer at ServiceNow. View the full article

Most of the software that truly moves the world doesn’t demand our attention: It quietly removes friction and gets out of the way. You only notice it when it’s broken. That’s not a bug in the business model; it’s a feature. In fact, “unnoticed but indispensable” is the highest customer-satisfaction score you can get. Consider these categories that already figured this out. The log-in that isn’t a task anymore Password managers, once you build the habit, fade into the background. They fill the box before you even remember there was a box. Single sign-on (SSO) systems go a step further and make logging in to everything feel like one action instead of 17 small, annoying ones. And passkeys get rid of passwords entirely. The pattern is consistent: Tools that turn a chore into a non-event ultimately win. It’s tempting to treat authentication like a “moment”: a page, a button, a ritual. The better approach is to treat it like plumbing. You notice good plumbing by its absence. Otherwise, you just enjoy the hot shower. Invisible infrastructure already won the internet Some technologies graduate from “choice” to “ambient.” Transport layer security (TLS) and HTTPS used to be optional. Now they’re table stakes, largely thanks to Let’s Encrypt making it approachable. Your browser nudges everyone toward secure defaults and the ecosystem complies. We don’t “do” TLS; we benefit from it. This wasn’t always so seamless. In Windows’ early days, you literally had to install a Winsock stack just to speak TCP/IP. Today, the network stack is simply present, like oxygen. Progress in software often looks like this: The thing we once had to fiddle with becomes the thing we don’t think about anymore. AI’s next act: not a chat box Chatbots are neat, but they aren’t the end state of AI. They’re a first draft, like when we used to watch early web pages load images line by line. The real value emerges when intelligent assistance is in the room where work already happens, and it becomes part of the workflow. In a CRM, the note writes itself while you talk and is already tagged correctly when you hang up. In design tools, the spec is updated everywhere when you change a component once. In code review, a suggestion appears inline with a one-click fix, not in a separate AI tab that hijacks your focus. This is the same story as passwords, SSO, and HTTPS: The win comes from disappearing the steps, not adding a new surface area for attention. (The funny thing is, most of the work of making AI invisible is just plain old engineering. Yes, there’s lots of AI engineering to make the bots work at all. But plugging them into things in a way that works, that’s the part we’re really behind on.) BORING ON PURPOSE IS A STRATEGY At my company we talk about being boring in a specific way: Security and connectivity should feel like electricity. You flip the switch, the lights come on, and nobody argues about the generator or the continent-wide high-voltage distribution network. Being invisible is not the same as being trivial; it’s the reward for sweating details users never see. Here are five design principles for making software people won’t notice 1. Make the default the decision. Someone once told me the golden rule of user interface design: If there’s a popup with two options, imagine one of them is “work” and the other one is “don’t work.” Then make “work” the default and delete the popup. Most users will never visit settings. If the secure, performant, accessible path is the default, adoption happens for free. 2. Budget for latency like it’s a feature. Under ~100ms, interactions feel instantaneous. Over ~1s, they feel like work. Invisible software feels fast because it never gives the user time to switch contexts. Cache, prefetch, and defer like your product’s life depends on it. Because it does! 3. Automate the paperwork, keep the signatures. Autofill, SSO, and passkeys are all versions of the same idea: The system should carry the burden. Let humans make approvals and set intent; let machines do the form filling and compliance trail. 4. Progressive disclosure beats feature sprawl. Hide power tools until they’re needed. The user who needs advanced controls will find them; the one who doesn’t should never meet them. UIs that start simple and get deep on demand feel “light” and earn trust. 5. Fail quietly, recover loudly. When background systems hiccup, self-heal first. If you must involve the user, say exactly what to do in one step and show you’ve already done the other three. Invisible products don’t turn every exception into a ticket. THE BUSINESS CASE FOR BEING FORGETTABLE “Unobtrusive” can sound like “unmonetizable,” but it’s the opposite. Products that vanish into the workflow produce fewer support tickets, shorter onboarding, and more expansion inside organizations. They spread by word-of-mouth because they don’t create new habits; they remove old pain. You don’t need a big campaign to sell relief. The tricky part is cultural, not technical. Teams must be okay shipping value that isn’t screenshot-worthy. That means investing in the edges: reliability, identity, zero-touch setup, and instant rollback-so customers never have to learn those words. A SIMPLE TEST If turning your product off causes immediate, confused swearing from the people who didn’t even know they depended on it, congratulations: you’ve built something great. Now make it a little faster and a little quieter, and do that every quarter. Because the best compliment your software will ever get is silence. Avery Pennarun is CEO and cofounder at Tailscale. View the full article

The trajectory of our national economy is a central concern of every American. Our living costs rise as would-be hegemons battle over neocolonial control through tariff policies. And while social media creativity holds our attention, some part of us recalls older ways of storytelling, and we wonder, where do we belong? Most of us, even newcomers to this country—especially newcomers—were taught from an early age that anyone who works hard will eventually thrive. But we repeatedly see and know that this is merely a story told to us, not reality. The community in which you are born has a tremendous impact on your eventual life outcomes. If you are born into a poor community, you will likely remain poor. If you are born into a wealthy one, you are likely to remain wealthy. Author Isabel Wilkerson and socioeconomic researcher Raj Chetty both describe this grating reality. We want to believe in the American Dream, but our eyes see, our ears hear, and our cortisol levels reflect the stress we feel as we strive to reconcile reality with the conflicting narratives of America as a place where anyone can thrive through hard work. Instead, it is time for a new narrative. THE POWER OF NARRATIVE IN SHAPING ECONOMIC REALITY Narrative, more than facts alone, shapes perceptions about who deserves opportunity and resources. Media, pop culture, and policy discourse reinforce or challenge our status quo by elevating the stories of the bootstrapping successful entrepreneur while ignoring stories of the barriers still in place. After the murder of George Floyd, local TV and the culture turned its attention to topics of structural racism. What followed? Increased business attention on audiences, stakeholders, and customers who were concerned with undoing generations of discrimination. No one with any knowledge of history expected such attention and focus to be permanent. Like looking into the sun, we knew America would quickly avert its eyes. Yet we still hoped that this solar moment would have greater public resonance. Despite the very public backlash against all things “equity,” support for diversity, equity, and inclusion persists among many Americans who have experienced the richness and benefit of desegregated life. We now struggle to find the safest words and phrases to describe our internal sense of sharing humanity with others—even those beyond recently erected walls. This unlabeled value is the seed of a new national narrative. THE RIGHT TO THRIVE At Living Cities, we believe the conversation around opportunity must shift from scarcity and survival to abundance and flourishing. When we reframe narratives to center the right of every person to truly thrive, particularly those from marginalized communities, we unlock powerful new possibilities for individuals, families, and entire cities. This positive focus moves beyond merely surviving in systems that were not designed for everyone, toward actively building systems that empower all to grow, innovate, and lead. By emphasizing narratives of thriving, we foster hope, agency, and dignity. We see entrepreneurs of color not as risky bets but as vital engines of economic growth rooted in resilience and innovation. We recognize neighborhoods historically denied capital not as liabilities, but as sites brimming with untapped potential. This new storytelling affirms that systemic barriers can and must be dismantled, and that access to resources drives shared prosperity, stronger communities, and sustainable development. Living Cities’ experience with cross-sector coalitions in cities has shown that using positive narratives of abundance can help community leaders see all individuals as worthy of investment. This helps strengthen community trust, catalyze authentic partnerships, and accelerate economic opportunity. Thriving is more than an aspirational goal—it is a proven strategy for revitalizing cities and fundamental motivation for transforming lives. REFRAME THE CONVERSATION Living Cities supported city coalitions to use narrative change for direct results. For example, in Albuquerque and Memphis, positive use of narrative enabled loan underwriters to re-examine their assessment of risk related to Black and Latino entrepreneurs. To reframe the national conversation, organizations and companies can use these best practices in narrative and communications strategies: Cocreate stories with those affected: Community-led storytelling creates authenticity and greater impact. Blend hard data with lived experience: Combining human stories with local economic data persuades both hearts and minds. Invest in media literacy: Teaching audiences to identify and question stereotypes can reduce bias. Counter negative narratives with abundance, agency, and equity: Highlight systemic successes—such as new Black-owned businesses or increases in affordable homeownership—over deficit-based stories. INSPIRE A CULTURE OF ABUNDANCE AND EQUITY Reframing risk as a function of structural barriers, not personal failure, will give us the foundation we need for increased economic opportunity. Storytelling can shift public policy, local business investment, and economic outcomes. Anything is possible when we eliminate our outdated stereotypes and create a new foundation. Leaders, policymakers, businesses, and media must invest in narrative work as a core equity strategy, reframing the conversation to foster true abundance and agency in America’s communities. Joe Scantlebury is president and CEO of Living Cities. View the full article

Continued funding squeeze and volatile student enrolment will continue to hit finances, regulator warnsView the full article

I’ve spent much of my career in fintech, but some of the most inspiring innovations I’ve seen came from a town most people have never heard of. In early 2025, Ipava State Bank, a tiny community institution in western Illinois, embedded a small amount of life protection into every eligible checking and savings account. No app to install, no portals, no extra steps—coverage was calculated from balances and capped per account. Six months in, reported results included $3.45 million in protection delivered, 7% deposit growth, 4.8% higher average balances, and a 25% increase in customers reaching maximum coverage levels—at a time when many peers were losing deposits. The program, developed in partnership with Wysh, is part of a growing wave of fintech innovation that’s meeting people where they already are—at their local banks and credit unions. For The National Alliance for Financial Literacy and Inclusion (NAFLI), it’s exactly the kind of progress we champion: Technology designed not just for scale, but for inclusion. Let’s talk about why it worked—and how other banks could adapt the idea without copying the setting. We worked alongside partners on this effort; here are five observations we’ve made about the project’s design choices any institution can adopt. 1. Default-on beats opt-in. People don’t lack interest in protection; they lack bandwidth. Making the benefit automatic eliminated friction and avoided the shame tax of apply if you can navigate the process. In low-adoption markets, behavioral simplicity is a strategy, not a shortcut. 2. Lead with the institution’s trust, not the partner’s tech. The coverage showed up through the bank customers already relied on, which reframed the offer from a new product to learn to my bank is taking care of me. Community banks have a trust surplus—using it thoughtfully matters more than adding another feature tile. 3. Translate the benefit to local risks. In Ipava, protection wasn’t a perk; it mapped to single-income households, inherited farm debt, and small-business succession. Wherever you operate, write the value statement in the community’s language first, product language second. 4. Measure outcomes the customer can feel. Deposit growth is great; confidence is the point. Track balance stability, dormant-to-active reactivation, and share-of-wallet movements following benefit awareness—signals that the relationship’s getting stronger, not just more expensive to promote. 5. Make branches the on-ramp, not the afterthought. Frontline staff need a 10-second script. For example, “This account now includes a small layer of protection—automatically” and a two-minute FAQ guide. When the explanation is simple, you don’t need an app demo to earn adoption. WHAT THIS CHANGES ABOUT FINANCIAL WELLNESS Most wellness programs ask people to learn more and do more—download the app, change the habit, attend the webinar. The Ipava example flips that script: Make the institution do more so the customer doesn’t have to. When protection is embedded where money already lives, inclusion stops being an aspiration and becomes the default state of the relationship. That’s the shift Wysh is helping banks unlock—and the kind of design NAFLI believes can redefine what financial literacy looks like in practice. If your bank is ready to make this shift too: Don’t over-engineer choice. In high-emotion categories, asking users to select multiple options underperform simple and common defaults. If possible, offer clarity, not a catalog. Don’t outsource the story. Tech partners enable; the bank narrates. If customers don’t hear it from you, they won’t feel it from you. Don’t chase app adoption as the goal. Adoption of the benefit matters more than adoption of the interface. Design to be understood in a branch foyer, not just a home screen. THE BIGGER INVITATION If community institutions want to win back deposits and relevance, they don’t need shinier features—they need more visible care. The lesson from a small bank in western Illinois isn’t that every place is Ipava. It’s that trust-first, default-on design can work anywhere people still value a bank that shows up for their best days—and their worst. Maybe the bigger takeaway is simpler: innovation doesn’t always look like new technology. Sometimes it looks like a familiar bank doing something timeless—showing up for people when it matters most. And that’s why NAFLI is watching this movement closely—because when fintech starts working for the people who don’t download fintech, we’re finally getting somewhere. Edwin Endlich is the president and board chairman of The National Alliance For Financial Literacy and Inclusion. View the full article

All eyes were on Nvidia’s quarterly earnings announcement on Wednesday, as investors looked for signs of weakness indicating that the so-called “AI bubble” is about to deflate. In fact, Nvidia appears to be selling graphics processing unit (GPU) chips for data centers as fast as it can make them. On the call, Nvidia reported better-than-expected revenues of $57 billion for its October-ending quarter, a 62% increase over the same quarter last year. Revenues rose by $10 billion, or 22%, from the prior quarter. Perhaps most importantly, the company projected revenues of $65 billion in the current quarter. As a result, Nvidia shares rose 5% after the earnings were announced at market close on Wednesday. That bump created an additional $205 billion of market capitalization. “There’s been a lot of talk about an AI bubble,” Nvidia CEO Jensen Huang said to open his comments during an earnings call with analysts Wednesday. “But from our vantage point we’re seeing something very different.” The “bubble” refers to the possibility that the stock prices and valuations of AI companies have become disconnected from their earning potential. Investors also fear that the massive investments that big tech and AI companies are sinking into infrastructure like data centers won’t be backed up by rapid AI adoption. “Let me remind you that Nvidia is unlike any other accelerator company — we address every phase of AI,” he said. Then, he set out to show Nvidia’s current business within the context of some broad technological transitions that he says are happening all at once. Huang explained that business software that has traditionally run on CPUs is increasingly starting to run on accelerators, specifically the GPUs that Nvidia sells. He says many traditional business tasks are being done by generative AI systems, replacing classical machine learning for things like content suggestion, ad placement, and content moderation. He also says autonomous AI (such as self-driving cars) and AI agents (such as coding assistants) mark the beginning of yet another big transition: “The transition to agentic AI is giving rise to new companies, new products, and new services.” “Our singular architecture enables all three of these transitions–across all industries and all phases of AI, from cloud to enterprise to robots,” Huang went on — announcing, in other words, that Nvidia is set to ride these big waves to big-time chip sales well into the future. Worrying about a bubble today, he seemed to suggest, may be a little short-sighted. CFO Colette Kress said earlier in the call that both hyperscalers like Meta and Google, and top AI labs like OpenAI and Anthropic, continue to spend big on Nvidia chips. “We are preparing for aggressive growth ahead and feel optimistic about our opportunity set,” she said. View the full article

The landscape of work has fundamentally shifted. Hybrid and remote models are no longer niche, but the norm for countless organizations, from agile startups to sprawling enterprises. This evolution has placed video conferencing at the epicenter of productivity and collaboration. View the full article

If you're in the market for a laptop, you have no shortage of choices. But unless you need something with exceptionally powerful hardware or are operating on a very tight budget, I'm here to end your search right now: You should buy the M4 MacBook Air, especially while it's on sale for $749 before Black Friday. M4 MacBook Air $749.00 at Best Buy $999.00 Save $250.00 Get Deal Get Deal $749.00 at Best Buy $999.00 Save $250.00 Apple's latest MacBook Air is, without a doubt in my mind, the best laptop for most people—at least for people who don't need to run Windows. This is an entry-level machine, but it doesn't feel like it: The laptop comes with Apple's M4 chip, which was until very recently the company's newest hardware. (That being said, there is no M5 MacBook Air yet, so this is still the best Air on the market.) Apple's M-series is excellent: In fact, the M1 MacBook Air is still a great machine five years after its release. You kind of can't go wrong with any M-series MacBook at this time, though the newer the hardware, the better the performance—a perk to this M4 Air. But M4 is almost an afterthought for me compared to this machine's 16GB of RAM. For years, Apple only included 8GB of RAM with its base model machines. That was enough for smaller, simpler tasks, but once you started trying to do too much at once, you ran into problems. 8GB of RAM doesn't go as far as it used to, so the fact that this machine doubles that memory without impacting the price is a major win. That said, this configuration does come with 256GB of storage, which could pose a problem for anyone who stores large files on their computers. My favorite thing about the M4, however? The price. When Apple released this machine back in March, I was impressed by how much value one could get for $999. In fact, it convinced me to move on from recommending the M2 MacBook Air, even when the latter was on sale. But despite how new it is, the M4 MacBook Air has also seen discounts this year. Now, ahead of Black Friday, the machine is $250 cheaper at Amazon and Best Buy than at Apple. That's simply a fantastic deal. Should you buy an older MacBook for less?Of course, there are other, cheaper MacBooks out there. You can save another $50 and opt for the M2 MacBook Air, which also has 16GB of RAM and 256GB of storage. And if you don't need your machine to be brand-new, you can find refurbished M1 MacBook Airs for under $500. Any of these laptops will work great in 2025, but there are drawbacks: The M1 only has 8GB of RAM and it retains Apple's older MacBook Air design. The M2 MacBook Air looks identical to its M4 counterpart, but it is three years old. By spending the extra $50 on the newer Air, you may eke another two to three years of software updates out of your machine—not to mention the immediate performance gains from the new chip. Our Best Editor-Vetted Early Black Friday Deals Right Now Apple AirPods 4 Wireless Earbuds — $117.00 (List Price $129.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Shark AV2501AE AI XL Hepa- Safe Self-Emptying Base Robot Vacuum — $294.99 (List Price $649.99) Amazon Fire HD 10 (2023) — $69.99 (List Price $139.99) Sony WH-1000XM5 — $248.00 (List Price $399.99) Blink Outdoor 4 1080p Wireless Security Camera (5-Pack) — $159.99 (List Price $399.99) Ring Floodlight Cam Wired Plus 1080p Security Camera (White) — $99.99 (List Price $179.99) Amazon Fire TV Stick 4K Plus — $24.99 (List Price $49.99) NEW Bose Quiet Comfort Ultra Wireless Noise Cancelling Headphones — $298.00 (List Price $429.00) Deals are selected by our commerce team View the full article

In planning meetings, in brainstorms, in the messy moments when decisions need to be made before all the information is in, AI is my copilot. But not in the “cute robot helper” way. I treat it like my sharpest strategist, fastest researcher, and most unflinching truth-teller. As the CEO of Quantious, a future-forward marketing agency that works with tech companies, my job is to stay fast, smart, and endlessly curious; not just for myself, but for my clients. Having executive-level AI by my side is how I operate at scale without sacrificing strategy or soul. Forget about the “hype” of AI. Let’s talk about what it really takes to work smarter, experiment faster, and free up time to be a creative leader—something that you cannot automate. 1. AI is my executive sparring partner When you’re running a fast-growing company, you’re constantly making judgement calls without all of the details. Most people want ChatGPT to flatter them. I want it to challenge me. I run new product ideas, positioning statements, and brand hypotheses through AI to surface the cracks I didn’t see. I use it to model outcomes, debate assumptions, and yes, poke holes in the “perfect” plan I thought I had. Your team might be too polite to challenge you. AI won’t be, if you train it well. Start every session with a persona, such as: “You are my chief strategy officer. Your job is to challenge mediocrity and raise red flags.” Train it over time by giving feedback: “That’s too agreeable. Give me a sharper POV” or “This sounds like fluff. Get specific.” And really push it to dig deeper instead of giving you a standard response: “This idea solves the problem, but I don’t think it’s the best solution. Push me toward something bolder or more efficient. How would someone with 10x my time/resources/experience approach it differently?” You may be surprised where this back-and-forth can take you. 2. I use AI to protect my most valuable asset: Strategic attention The less time I spend on routine admin tasks, the more time I have to steer the ship. AI is my secret weapon for clearing out the clutter. I use Bluedot to record and transcribe meetings—saving me and my team hours in cleaning up and consolidating notes, and turning around recaps and next steps in minutes. And if I need a detail from the discussion, I can even query the transcript to get the info I need, and all the context around it. To start using AI for attention management, begin with one task you do often (summarizing docs, doing premeeting research, writing recap emails) and let AI take a pass. If you want to think strategically, you need space to think. AI gives it to you. 3. I never miss a market beat I don’t have time to read every analyst report or listen to every podcast (who does?!) but I need those insights. AI curates the signal from the noise. Perplexity Deep Research turns complex trend reports into briefs to share with my team, or even my clients. Waldo gives me market snapshots faster than a team of analysts. I’ve also dabbled in AI-powered podcasts, which summarize the most important industry news so I can catch up while on the go. They supplement my other favorite podcasts, so I’m always armed with the latest trends and biggest industry moves. 4. I baked AI into the org chart At Quantious, AI isn’t a department. It’s a utility, like Wi-Fi or electricity. Every team has access to tools like ChatGPT, Gemini, and Slack AI. Designers use it to explore creative variations. Ops uses it to document processes faster. Marketers draft content 10 times faster. The tech isn’t the point. The enablement is. While not every team member taps into these tools on a daily basis, having them in the toolkit keeps the door wide open for experimentation. I’ve said it before: AI has made remote work more productive, seamless, and well-documented. We don’t just integrate AI into workflows; we integrate it into our collective intelligence. Because the point isn’t to do more faster, it is meant to elevate how we operate, across the board. Remember, AI isn’t the intern. It’s your most strategic hire. The truth is: Your team doesn’t need you to be a prompt engineer. They need you to be an AI-literate leader. AI is no longer a tool in your workflow. It’s a seat at your table. Treat it like a trusted advisor, and you’ll make sharper decisions, faster, without sacrificing strategy or soul. Lisa Larson-Kelley is founder and CEO of Quantious. View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. Black Friday is nearly upon us. From the day after Thanksgiving through Cyber Monday, you will be inundated with deals from stores and companies alike. But even before Black Friday officially begins, stores are putting up discounts. As Lifehacker's tech editor, I've combed through the various tech deals across stores like Amazon, Best Buy, and Walmart to find the offers actually worth considering. While there aren't a huge number of excellent deals running at the moment, there are some good ones you can take advantage of right now. In fact, many of the deals are on last-gen devices—I've included those that are still worth picking up in 2025, especially at these discounts. Keep your eyes out over the next couple weeks, too: As we get closer to Black Friday and Cyber Monday, I imagine way more deals will start rolling out. The best early Black Friday deals on laptops M4 MacBook Air (13-inch) $749.00 at Amazon $999.00 Save $250.00 Get Deal Get Deal $749.00 at Amazon $999.00 Save $250.00 M4 MacBook Air (13-inch): $749 at Amazon (was $999): Without a doubt, my favorite early Black Friday laptop deal is this price cut on the M4 MacBook Air. For $750, you get the latest M4 chip, 16GB of RAM, and 256GB of storage. It's a fantastic package for anyone who needs a laptop for everyday tasks—though these chips can be pushed further than you'd think. If you need extra RAM or storage, Amazon is selling the 512GB model for $949, and the 512GB/24GB of RAM model for $1,149. M2 MacBook Air (13-inch): $699 at Best Buy (was $799): If your maximum budget is $700, the M2 MacBook Air is a great choice. This MacBook Air looks and feels the same as the M4 model, and also comes with 16GB of RAM and 512GB of storage. However, you do get an M2 chip, which is two generations behind the M4. I personally think the future-proofing you get with the M4 is worth the extra $50, but the M2 MacBook Air is still a lot of computer for its current price. Dell 16 Plus Copilot+ PC (16-inch): $999.99 at Best Buy (was $1,599.99): Despite the Copilot+ PC name, this Dell 16 Plus laptop is a great value for the price. This laptop comes with a 16-inch 2.5K display with a 90Hz refresh rate, a 3.3GHz Intel Core Ultra 9 Series 2 chip with 32GB of RAM, and 1TB of storage. Best Buy is taking $600 off as part of its early Black Friday sale. Galaxy Book4 (16-inch): $1,199.99 at Best Buy (was $1,899.99): This Galaxy Book4 comes with a 2,880 by 1,800 AMOLED panel, with a refresh rate of 120Hz. It runs a 3.8 GHz Intel Core Ultra 7 Series 1 chip with 16GB of RAM and 1TB of storage. Best Buy currently has it $700 off. The best early Black Friday deals on tablets iPad A16 $299.00 at Best Buy $349.00 Save $50.00 Get Deal Get Deal $299.00 at Best Buy $349.00 Save $50.00 iPad A16: $299 at Amazon (was $349): Apple sells a lot of iPads, but its most affordable model might be enough for most people. The tablet comes with an 11-inch display, Apple's A16 chip, and 128GB of storage. It won't be as powerful as one of Apple's M-series iPads, and the display can't compete with the OLED iPad Pros, but for $300, this is a great tablet. iPad Pro (11-inch): $899 at Best Buy (was $999): If you want the most powerful and feature-filled iPad Apple makes, the 11-inch Pro is currently $100 off. This model comes with Apple's M4 chip, 256GB of storage, and an OLED display. Samsung Galaxy Tab S6 Lite: $159.99 at Amazon (was $329): Samsung's Tab S6 Lite is a good choice for anyone looking for a solid yet affordable Android tablet. This model comes with a 10.4-inch display, 64GB of storage, and Samsung's S Pen. It's currently $170 off at Amazon. Samsung Galaxy Tab S10 FE: $359.99 at Amazon (was $499.99): Samsung's S10 FE tablet is $130 off right now. It comes with a 10.9-inch 90Hz display, 128GB of storage, and Samsung's S Pen. If you looking for alternatives, Samsung actually has a number of other tablets on sale at Amazon as part of its early Black Friday promotion. The best early Black Friday deals on phones Samsung Galaxy S25 Ultra $1,057.91 at Amazon $1,419.99 Save $362.08 Get Deal Get Deal $1,057.91 at Amazon $1,419.99 Save $362.08 Samsung Galaxy S25 FE: $534.99 at Amazon (was $709.99): Samsung's "budget" Galaxy S25 device is normally over $700, but is currently 25% off before Black Friday. The phone comes with 256GB of storage, an Exynos 2400 chip with 8GB of RAM, and a 6.7-inch 1080p display. Samsung Galaxy S25 Ultra: $1,057.91 at Amazon (was $1,419.99): Samsung's most expensive flagship smartphone is also 25% off, which takes more than $360 off the list price. The S25 Ultra comes with 512GB of storage, a Snapdragon 8 Elite chip with 12GB of RAM, and a 6.9-inch 1440p display. The best early Black Friday deals on smartwatches Apple Watch SE (2nd Gen) $159.99 at Amazon $249.00 Save $89.01 Get Deal Get Deal $159.99 at Amazon $249.00 Save $89.01 Apple Watch SE (2nd Gen): $169 at Walmart (was $249): While Apple currently sells the third-generation Apple Watch SE, the second-gen is still a great smartwatch. Walmart currently has it discounted by $80, whether you choose the 40mm GPS model or 44mm model. If you choose the latter, it'll cost you $199, down from $279. Apple Watch Ultra 2: $699 at Best Buy (was $799): Similarly, you can save $100 off the second-gen Apple Watch Ultra 2, if you don't mind that Apple currently sells an Apple Watch Ultra 3—but that will cost you at least $180 more at this time. The Ultra 2 gives you a large 49mm display with up to 3,000 nits of brightness. It also comes with "pro" features like 100m of water resistance and a 40m depth gauge made for scuba and snorkeling, and a battery life of up to 36 hours. Apple Watch Series 10: $249 at Best Buy (was $499): Apple's latest Apple Watch Series 11 is nearly $50 off at Walmart. But you can save another $100 by going with the previous-gen Apple Watch Series 10. Garmin vívoactive 5: $199 at Best Buy (was $299): Garmin is in a similar boat to the Apple Watches above, as the vívoactive 5 is now a last-gen product. Still, it comes with a 42mm display, a host of workout features (like sleep tracking, respiration rate, activity vs. inactivity), and 264 hours of runtime. The best early Black Friday deals on headphones and earbuds AirPods Pro 2 $139.00 at Walmart $184.79 Save $45.79 Get Deal Get Deal $139.00 at Walmart $184.79 Save $45.79 AirPods Pro 2: $139 at Walmart (was $239): If you don't want to spend the $249 on Apple's AirPods Pro 3, the second-gen Pros are kind of a steal at $139. They still offer great sound, noise cancellation, and Transparency, and you save $110 against Apple's latest model. QuietComfort Ultra Earbuds: $249 at Amazon (was $299): Bose is known for both sound quality and noise cancellation, and while the QuietComfort Ultra earbuds are a bit pricey, they're currently $50 off. JBL Tune Buds: $39.95 at Amazon (was $99.95): Wireless earbuds can get expensive, so it's refreshing to have a discount like this on JBL's Tune Buds. The buds are normally just under $100, but before Black Friday, they're $60 off. Sony WH-1000XM5: $248 at Amazon (was $399.99): If I didn't already have a pair of AirPods Max, these would be the headphones I'd pick up. Sony's WH-1000XM series is one of the best, and while they aren't as expensive as Apple's over-the-ear headphones, they're still pretty pricey. Amazon currently has them discounted by 38%. Our Best Editor-Vetted Early Black Friday Deals Right Now Apple AirPods 4 Wireless Earbuds — $117.00 (List Price $129.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $299.00 (List Price $349.00) Shark AV2501AE AI XL Hepa- Safe Self-Emptying Base Robot Vacuum — $294.99 (List Price $649.99) Amazon Fire HD 10 (2023) — $69.99 (List Price $139.99) Sony WH-1000XM5 — $248.00 (List Price $399.99) Blink Outdoor 4 1080p Wireless Security Camera (5-Pack) — $159.99 (List Price $399.99) Ring Floodlight Cam Wired Plus 1080p Security Camera (White) — $99.99 (List Price $179.99) Amazon Fire TV Stick 4K Plus — $24.99 (List Price $49.99) NEW Bose Quiet Comfort Ultra Wireless Noise Cancelling Headphones — $298.00 (List Price $429.00) Deals are selected by our commerce team View the full article

Nvidia forecast fourth-quarter revenue above Wall Street estimates on Wednesday, betting on booming demand for its AI chips from cloud providers against the backdrop of widespread concerns of an artificial intelligence bubble. The results from the AI chip leader mark a defining moment for Wall Street, as global markets looked to the chip designer to determine if investing billions of dollars in AI infrastructure expansion had resulted in towering valuations that potentially outpaced fundamentals. The world’s most valuable company expects fiscal fourth-quarter sales of $65 billion, plus or minus 2%, compared with analysts’ average estimate of $61.66 billion, according to data compiled by LSEG. Shares of the AI market bellwether rose over 4% in extended trading. Ahead of the results, doubts had pushed Nvidia shares down nearly 8% in November, after a 1,200% surge in the past three years. The broader market has declined almost 3% this month. Still, analysts and investors widely expected the underlying demand for AI chips, which has powered Nvidia results since ChatGPT’s launch in late 2022, to remain strong. Nvidia CEO Jensen Huang said last month the company has $500 billion in bookings for its advanced chips through 2026. Big Tech, among Nvidia’s largest customers, has doubled down on spending to expand AI data centers and snatch the most advanced, pricey chips as it commits to multi-billion, multi-gigawatt build outs. Microsoft reported a record capital expenditure of nearly $35 billion for its fiscal first quarter last month, with roughly half of it spent primarily on chips. Nvidia expects an adjusted gross margin of 75%, plus or minus 50 basis points in the fourth quarter, compared with the market expectation of 74.5%. —Arsheeya Bajwa and Stephen Nellis, Reuters View the full article

Since beginning his second term in office, President The President has taken a sledgehammer to climate action. His administration has made plans to expand offshore oil and gas drilling, canceled billions of dollars in clean energy projects, rolled back tax credits for EVs, pulled the United States out of the Paris climate agreement, released a report that downplays the risks of climate change, and on and on. Climate experts have been vocal about the fact that The President sets back climate action, which puts the entire world at risk. The U.S. is the second-most polluting country in the world, behind only China, which has been investing heavily in renewable power, and China’s total emissions have been dropping as a result. Now, a new analysis by ProPublica and the Guardian attempts to quantify what that setback could actually look like. What the analysis found The President’s anti-climate policies could release so many extra greenhouse gases over the next decade that they could lead to as many as 1.3 million more temperature-related deaths globally, in the 80 years after 2035, the analysis found. That estimate covers heat-related deaths, minus the fewer deaths that will occur from cold temperatures. Already, heat is the leading cause of all weather-related deaths, and climate change has led to a noticeable uptick in heat related deaths. In the U.S. alone, heat-related deaths have increased by more than 50% since 2000, according to the Yale School of Public Health. The 1.3 million excess deaths does not include, the outlets note, the “massive number of deaths” from climate change’s broader impacts, like droughts, floods, diseases, hurricanes, wildfires, and even lower crop yields. The number is, admittedly, a small figure when compared to the total number of deaths caused by temperatures changing because of climate change. A 2021 study on the “mortality costs of carbon” projected that, between 2020 and 2100, the planet will see 83 million temperature-related excess deaths under a “business as usual” emissions scenario. The ProPublica/Guardian analysis acknowledges this, but adds that the figure attributed to The President’s policies speaks “to the human cost of prioritizing U.S. corporate interests over the lives of people around the globe.” How the research was conducted To conduct the analysis, the outlets used scientific models to estimate how many additional emissions will be released into the atmosphere because of The President’s policies. They also took into account the “mortality cost of carbon” metric, which predicts temperature-related deaths from emissions. In responses to questions from ProPublica and the Guardian, the Environmental Protection Agency (EPA) contested the science underpinning their analysis, dismissing it as “moral posturing.” It added that the core calculation method ignores “the dramatic uncertainties that dominate long-term climate projections.” But climate scientists say the metric is valid, they report. “Prior to The President, we had the most ambitious climate policy that the U.S. has ever come up with—our best effort to date by far of addressing this growing problem,” Marshall Burke, an economist at the Doerr School of Sustainability at Stanford University, told the Guardian. “When we roll these things back,” he added, “it is fundamentally affecting the damages we’re going to see around the world.” View the full article

Rocket enters the crowded DSCR market with a product for experienced investors, joining rivals as non-QM lending grows and demand for single-family rentals stays strong. View the full article

The gap between the richest and poorest Americans is widening in what Federal Reserve Chairman Jerome Powell has called a “bifurcated economy,” as the cost of living skyrockets from housing to food prices, but wages for most workers remain stagnant. Basically, high-income individuals are doing well, while lower-income consumers are struggling more and more. That situation has sparked discussions about whether we’re in a so-called “K-shaped economy.” A K-shaped economy—coined after the shape of the letter: a horizontal line marked by two lines, one going lower, the other going up—happens when the economy is rolling along, and suddenly loses steam and begins to drop. And then, after a period, the Fed comes in and lowers interest rates to get things going again, professor Peter Ricchiuti at Tulane University’s A.B. Freeman School of Business told Fast Company. Simply put, in a K-shaped economy, the Federal Reserve sees the economy weakening, possibly leading to a recession, so it lowers interest rates to stimulate the economy to try and avoid that. “This action really benefits the upper class as it makes the value of their investments rise (stocks, bonds and real estate),” Ricchiuti explains. “More often than not, the wealthy are better off than when the downturn began.” “Meanwhile, the middle class is hurt even more,” he continues. “If they have any savings, at all, it’s invested in money market funds and bank CDs. These now offer lower returns because interest rates on those instruments have been lowered.” But “it’s not the Fed’s fault,” Ricchiuti adds. “The most powerful tool in [the Federal Reserve’s] tool box is lowering interest rates. They’re trying to boost the economy but, in doing so they are widening the economic gap.” So, are we headed to a recession? “I do think the economy is slowing down and potentially moving into recessionary conditions that may show up next year,” Melina Murren Vosse, assistant professor of finance at the University of San Diego’s Knauss School of Business, told Fast Company. “Talk of the AI bubble, general overvaluations, and global trade uncertainty seem to be making markets squeamish lately.” Ricchiuti says it’s “tricky” to tell whether we’re heading to a recession, “because unemployment number are the key indicator of a recession and we haven’t gotten unemployment levels for quite some time.” “There just isn’t enough information to feel really comfortable making a determination,” he says. That’s in part because the The President Administration fired the head of the Bureau of Labor Statistics (BLS), which collects, crunches, and publishes those unemployment numbers. On August 1, President Donald The President ordered the firing of Erika McEntarfer after the agency released a report that showed hiring had slowed down significantly over the past three months. Then, a government shutdown further delayed the collection and release of the numbers. The BLS last released unemployment numbers for the month of August. We are still waiting on September and October numbers, and the BLS said it will not release a full U.S. jobs report for October until it has a full report for November, which it also pushed back to December 16. Generally speaking, a recession is when there are two consecutive quarters of negative gross domestic product (GDP) growth, but it’s impossible to determine if that’s happened, because the numbers haven’t come out. However, Ricchiuti notes that even though people fear a recession, it generally lasts only a year, while an economic expansion lasts seven years, he says. So even if you’re fearing a recession, it may be more temporary than it might seem. View the full article

Group’s earnings are a bellwether for the health of the artificial intelligence sectorView the full article

Outflows come as inflows from foreign investors help propel FTSE 100 to record highView the full article

I am a frequent user of Google's NotebookLM, an AI tool that functions similarly to ChatGPT and other LLMs, but only pulls from sources and materials the user inputs. I noticed a few days ago that it has a new feature: A research function divided into "fast research" and "deep research." After playing around with it a little, these new features seem to completely defeat the purpose of why I started using NotebookLM in the first place—with one big exception. What the new "fast research" and "deep research" options in NotebookLM doIn short, "fast research" and "deep research" make NotebookLM work a lot like other AI tools—they pull information in from the web on your behalf—and that's the primary reason I don't see myself using them. When you use the deep research tool, you enter in what you want to research as a topic in the left panel, where you also typically store all the PDFs, links, and other materials you manually inputted as the sources for NotebookLM to pull from. This is where it differs from the premise NotebookLM has basically been built on since it was launched: The software searches the internet for sources, broadening the selection of materials the generated quizzes, podcasts, summaries, and flashcards will pull from. Before this update, it was entirely on you to find and input your own sources. The fast research tool is similar. Instead of finding the sources and generating a long report, it just suggests a handful of new sources for you to consider. Credit: Google Whether using deep or fast research mode, you have the option to deselect sources if you don't like them, but it's tricky to review them. I tried it on a Notebook I have set up to study for my upcoming personal training certification exam. It spit out a selection of titles like "Free NASM Practice Test," shown above on the left. I had to click the "7 more links" link to expand the panel, which then revealed where the sources were from and gave me the chance to open them in a new tab to review them before agreeing to import them (shown on the right). Finding and assessing sources on my own is a crucial first step in my learning and brainstorming process, so I don't see myself ever using this. The reason I love using NotebookLM is that it doesn't do the work for me. It's still my responsibility to go out and find all the sources I need, then input them so it can help me synthesize the contents. I use it for studying, for work, and to organize my personal projects. None of those things benefit much from random outside sourcing. And, as is a risk with all AI tools, there's no guarantee it will find sources that are credible (again, it found me a Reddit thread I could have easily found for myself). The one useful new feature in the NotebookLM updateWhen you're inputting the topic you want NotebookLM to research, you'll notice a dropdown menu. It's automatically set to "Web," meaning it will pull sources from the internet, but you can also set it to go through your Google Drive instead. That is helpful. I keep everything related to all my projects in distinct Drive folders already. Using this feature can help me input all the relevant materials when I need them instead of having to add them in manually, one by one. That's the sort of utility I have been enjoying NotebookLM for over the past few months. View the full article

Insurance marketplace calls in lawyers to probe potential failings days after collapse of John Neal’s appointment to AIG View the full article

The Labor Department said Wednesday that it will not be releasing a full jobs report for October because the 43-day federal government shutdown meant it couldn’t calculate the unemployment rate and some other key numbers. Instead, it will release some of the October jobs data — most importantly the number of jobs that employers created last month — along with the full November jobs report, now due a couple of weeks late on Dec. 16. The department’s “employment situation” report usually comes out the first Friday of the month. But the government shutdown disrupted data collection and delayed the release of the reports. For example, the September jobs report, now coming out Thursday, was originally due Oct. 3. The monthly jobs report consists of two parts: a survey of households that is used to determine the unemployment rate, among other things; and the “establishment” survey of companies, nonprofits and government agencies that is used to track job creation, wages and other measurements of labor market health. The Labor Department said Wednesday that the household survey for October could not be conducted because of the shutdown and could not be done retroactively. But it was able to collect the hiring numbers from employers, and those will come out with the full November report. Wednesday’s announcement means the September jobs numbers will likely get extra scrutiny Thursday. They are the last full measurement of hiring and unemployment that Federal Reserve policymakers will see before they meet Dec. 9-10 and decide whether to cut their benchmark interest rate for the third time this year. The jobs numbers have lately been contentious. After the July jobs report proved disappointing, President Donald The President abruptly fired the official responsible for collecting the data, Bureau of Labor Statistics commissioner Erika McEntarfer. McEntarfer herself was quick to say there was nothing suspicious about Wednesday’s announcement. “No conspiracy here, folks,” she posted on the social media site Bluesky. “BLS was entirely shutdown for six weeks. Payroll data from firms can be retroactively collected for October. The household survey cannot be conducted retrospectively. This is just a straightforward consequence of having all field staff furloughed for over a month.” ____ This story has been corrected to show that the September jobs report is coming out Thursday, not Friday. —Paul Wiseman, AP economics writer AP Economics Writer Christopher Rugaber contributed to this report. View the full article

Back in the Windows XP days, when the only search functionality was a cartoon dog in the sidebar of Windows Explorer (not a joke), Google released Google Desktop. If you installed the application, you could search the files on your computer the same way you could search the web. The application made finding your own documents quick—as a small town reporter in northern Alberta, I constantly used this service to dig through my old notes and previous articles. The service was shut down in 2011, announced via a blog post, which stated that the feature was no longer necessary in the cloud storage era. And that was the end of Google offering to search files on your computer—until now. Back in September, Google announced an experimental Windows-only application named "Google App for Windows" that, among other things, searches the files on your computer. Nostalgic person that I am, I couldn't help but wonder: was this going to be similar to the retro offering? So I gave it a shot. The installation requires opting in to an "experiment" using your Google account, then downloading and installing an application. After that, you can bring up a search by using the keyboard shortcut Alt+Space, which brings up a search bar. You can use this to search for files on your computer, your Google Drive, and information on the web. The actual file search doesn't seem particularly sophisticated. While the retro Google Desktop could search the contents of files, the Google App for Windows seems to mostly only be aware of file names. That's disappointing—I liked being able to figure out which files I mentioned particular names, or try to find the source of a sentence I remember writing. This local search functionality honestly isn't much better than the search that comes with Windows. What this new app can do, though, is search your Google Drive. I was able to quickly find and open files I'd created in Google Docs, then open them in one click. The ability to search these cloud docs alongside my local ones in one place is a decent reason to give this application a chance. Credit: Justin Pot And there are also a few web-based features. If there are no files that match your search, you'll see Google search results—select any of those and you'll see an AI-generated blurb answering your question. If you'd prefer traditional Google search results, you can get those instead—just turn off "AI mode" by clicking your profile picture and turning off the AI Mode toggle. Finally, this application can be used to take a screenshot of your computer and answer questions related to it. For example, I took a snap of my desktop wallpaper—a photo my wife took in New Zealand—and got an accurate description of the location. Credit: Justin Pot The feature is similar to those offered by the desktop application of ChatGPT and Claude, just powered by Google's AI instead of those tools. I'm not sure I'd find myself using this regularly, but it's an interesting idea. The Google App for Windows, sadly, isn't a resurrection of the long-dead Google Desktop, but it is an interesting tool that combines a simple local file search with results from your Google Drive and the web. It's worth playing around with if you're a dedicated Google user who still stores a lot of files on their computer. View the full article

Agentic AI is coming, whether you’re ready for it or not—a PwC survey published earlier this year found that 88% of U.S. companies are beefing up their agentic AI budgets, and a broad majority have adopted AI agents in some capacity. When it comes to using AI agents for shopping or in the commerce space, more than half of consumers are or will be doing so by the end of the year. But many people still aren’t quite sure how or when to use AI agents. They may not know where to find them, how to prompt them, and in some cases, if the agent they are interacting with is legit or potentially a disguised bad actor. Fetch, an AI firm founded in 2017 in the U.K., is trying to make the transition to using AI agents for everyday tasks a bit easier and smooth out some of those issues. On Wednesday, the company launched three new products: ASI:One, a new LLM interface for interacting with agents; Fetch Business, a portal allowing brands and companies to claim and verify brand agents (similar to a social media-inspired verification system); and Agentverse, a directory and depository of more than two million AI agents. Perhaps the most interesting new product, from a layman’s perspective, is ASI:One, an interface in which users can interact with AI agents and prompt them to perform certain tasks—such as book a vacation with all flights and hotels, or “buy me new shoes,” which would prompt specific brand agents for airlines, hotels, and even shoe brands to assist the user. Humayun Sheikh, Fetch’s founder & CEO, thinks that the interface will help people learn to utilize AI agents and navigate the agentic AI space in a similar way that Google helped people learn to navigate the broader internet decades ago. “Google created discoverability and trust for websites. We’re creating the same foundation for agents,” he said in a statement provided to Fast Company. There are already more than 1,000 verified brand agents on the platform, including companies such as Costco, Alaska Air, Pepsi, and Adidas. That means that users can interact directly with those agents—in a way that they may interact with a human employee—to get information related to prices, product information, and more. The hope, as Sheikh puts it, is that Fetch’s platform will help connect consumers directly with brands through agents and help create a new ecosystem in which AI agents have more utility to the general public in a more personal and pragmatic way. Further, Fetch hopes the “personal” element of its platform will help get consumers more specific information—differing from broader LLM models, such as ChatGPT. “Instead of just finding information, your personal AI coordinates with verified brand agents to get things done,” Sheikh said. “This isn’t searching for options separately and hoping they work together; it’s orchestration. Your personal AI understands how you make decisions, then works with brand agents that have real inventory, pricing, and booking capabilities.” AI agents are quickly moving from an abstract concept to everyday utility. Fetch is betting that clarity, trust, and verification will be the missing ingredients that help people some consumers who have been holding back on adopting the technology embrace it. If the company succeeds, the way we shop, book, plan, and interact with brands could feel less like surfing the web and more like delegating to a capable assistant—one that actually follows through. View the full article

401(k) administration is essential for managing retirement plans effectively and ensuring compliance with regulations like ERISA. It involves overseeing employee contributions, maintaining accurate records, and communicating investment options. Effective administration protects participant assets, minimizes fiduciary liabilities, and helps avoid costly penalties. By comprehending the key responsibilities and challenges in this area, you can better support employees in achieving their retirement goals. So, what specific strategies can improve your 401(k) administration efforts? Key Takeaways 401(k) administration involves managing retirement plans, ensuring compliance with ERISA, and overseeing employee contributions to protect plan integrity. Timely deposits and accurate record-keeping are crucial to avoid costly penalties and maintain fiduciary responsibility. Compliance with regulatory requirements, such as nondiscrimination testing and Form 5500 preparation, safeguards participants’ assets. Effective communication and educational resources enhance employee understanding of their retirement options and improve plan participation. Engaging professional administration services can streamline management, minimize errors, and alleviate administrative burdens for plan sponsors. Understanding 401(k) Administration Comprehension of 401(k) administration is vital for effectively managing a company’s retirement plan and ensuring compliance with legal requirements. As a 401(k) plan administrator, you oversee employee contributions, ensuring their timely deposit within five days to avoid penalties for non-compliance. Compliance with ERISA is fundamental, as it protects the plan’s integrity and minimizes personal liability for fiduciaries. The 401(k) administration involves not just processing contributions but also keeping accurate records and notifying employees about their eligibility. Failing to adhere to these responsibilities can lead to significant penalties, including excise taxes. Engaging a 3(16) fiduciary can help alleviate administrative burdens, ensuring you meet fiduciary responsibilities while maintaining compliance and safeguarding the interests of your employees. Key Responsibilities of a 401(k) Administrator Managing a 401(k) plan involves a range of responsibilities that demand attention to detail and adherence to regulatory requirements. You’ll need to guarantee timely deposits of employee contributions within five days to avoid penalties. Regular communication with employees about their account status and investment options is fundamental. Moreover, you must manage 401(k) loan requests, documenting and processing them accurately to prevent financial liabilities. Compliance with annual tasks is critical, including conducting nondiscrimination testing and preparing Form 5500, which helps avoid audits and penalties. Maintaining accurate records and guaranteeing alignment between payroll and the 401(k) provider are essential for compliance with 401k employer match rules and successful 401k contributions to 401k plans. The Role of Compliance in 401(k) Administration Compliance with ERISA is crucial for ensuring the integrity of your 401(k) plan and protecting participant assets. With 66% of DOL investigations resulting in enforcement actions last year, it’s clear that strict adherence to compliance regulations can prevent significant financial repercussions. ERISA Compliance Requirements ERISA compliance is crucial for the successful administration of a 401(k) plan, guaranteeing that both plan sponsors and administrators avoid potential penalties and maintain the plan’s integrity. Comprehending the 401k plankmeaning helps you appreciate the 401k advantages it offers, such as tax benefits and retirement savings. Compliance with the Employee Retirement Income Security Act requires timely depositing deferrals and conducting nondiscrimination testing to confirm equitable benefits. Accurate completion of Form 5500 is critical to avoid audits and financial penalties. To simplify compliance tasks, consider hiring a 3(16) fiduciary, who can efficiently manage administrative responsibilities, making certain that all requirements are met and reducing the risk of costly mistakes, in the end protecting your plan’s integrity. DOL Investigation Statistics The significance of compliance in 401(k) administration becomes even clearer when examining the statistics from the Department of Labor (DOL). In 2022, 66% of DOL investigations led to enforcement actions, showcasing the risks 401(k) plan administrators face. The DOL recovered $900 million as a result of compliance failures, emphasizing the financial ramifications of not adhering to regulations. Compliance with ERISA is essential for safeguarding employee retirement savings and fulfilling fiduciary responsibilities. Late deposits can incur severe penalties, making it critical to stay compliant. Year Investigations Enforcement Actions 2020 500 300 2021 600 400 2022 700 462 2023 800 TBD 2024 TBD TBD Importance of Accuracy When managing a 401(k) plan, accuracy is paramount, as even small errors can lead to significant consequences. Compliance failures can result in costly penalties and audits, making it vital to maintain precision. Here are four key areas where accuracy is critical: Loan Processing: Errors can lead to financial liabilities for your company. Late Deposits: These may incur excise taxes and fines. Nondiscrimination Testing: Failing this can require corrective distributions or contributions. Form 5500: Mistakes can trigger government audits and substantial financial penalties. Ensuring accuracy in 401(k) administration not merely protects your organization from DOL investigations but additionally preserves the integrity of the retirement plan for all participants. Common Challenges in 401(k) Management When managing a 401(k), you’ll face several common challenges that can impact the plan’s effectiveness. Regulatory compliance issues can lead to costly penalties if not addressed quickly, whereas the administrative burden often overwhelms those responsible for maintaining the plan. Furthermore, participant communication challenges can create confusion, making it vital to guarantee clear and timely information is shared with all employees involved. Regulatory Compliance Issues Maneuvering regulatory compliance issues in 401(k) management is crucial for plan sponsors, as failing to meet requirements can lead to significant penalties and enforcement actions. Here are some common challenges you may face: Timely deposits of contributions, which must be made within five days of payroll. Accurate processing of loan requests to prevent financial liabilities for your organization. Adhering to nondiscrimination testing requirements to guarantee equitable benefits and avoid penalties. Completing and submitting Form 5500 accurately to prevent audits and financial repercussions. Compliance with the Employee Retirement Income Security Act (ERISA) is critical to maintain the integrity of your 401(k) plan. Addressing these issues proactively can help safeguard against costly penalties and guarantee smooth plan operations. Administrative Burden Managing a 401(k) plan comes with a host of administrative burdens that can overwhelm even the most diligent plan administrators. You face strict deadlines, such as the timely deposit of deferrals within five days, to avoid penalties. Non-compliance with regulatory requirements can lead to costly consequences, illustrated by the 66% of DOL investigations resulting in enforcement actions. Moreover, annual nondiscrimination testing adds complexity, as failing these tests may require corrective actions. Maintaining accurate data synchronization between payroll and the 401(k) provider is essential, as manual data transfers heighten the risk of compliance failures. Challenge Impact Solution Timely Deposit of Deferrals Penalties for late deposits Automate deposits Regulatory Compliance Enforcement actions Regular audits Nondiscrimination Testing Corrective contributions needed Hire compliance experts Data Synchronization Increased risk of errors Use integrated systems Participant Communication Challenges Effective communication with participants is a fundamental aspect of 401(k) management that often presents its own set of challenges. These participant communication challenges can lead to misunderstandings about 401(k) options, contributing to employee dissatisfaction. To tackle these issues, consider the following strategies: Regular Updates: Keep participants informed about contribution rates and eligibility to prevent missed opportunities. Clear Educational Resources: Provide accessible information about the 401(k) plan and investment strategies to help employees make informed decisions. Prompt Responses: Address inquiries and complaints quickly to maintain trust and reduce administrative burdens. Compliance Notices: Guarantee timely distribution of required notices regarding compliance changes to avoid penalties and potential plan disqualification. Strategies for Effective 401(k) Administration To guarantee the smooth administration of a 401(k) plan, it’s crucial to adopt strategies that minimize errors and improve compliance with regulatory requirements. Start by comprehending how to set up a 401(k) and ensuring that all employees are informed about their 401k contribution options. Simplifying plan design can reduce administrative burdens, whereas digital tools can help synchronize payroll and retirement systems, decreasing the risk of mistakes. Engage a 3(16) fiduciary to alleviate your administrative responsibilities and focus on business priorities. Remember, employer contributions affect 401k limits, so stay informed about contribution rules. Regularly review compliance requirements to avoid costly mistakes, as even small errors, like incorrect deferral rates, can complicate audits and lead to penalties. The Benefits of Professional Administration Services Employers looking to optimize their 401(k) plans can greatly benefit from professional administration services. These services help guarantee compliance with complex regulations, which is vital for avoiding costly compliance failures. Here are some key benefits: They assure timely deposits of employee contributions within the required five-day window, reducing the risk of penalties. Professional administrators assume fiduciary responsibility, alleviating personal liability for plan sponsors. They improve participant satisfaction by enhancing communication and support for employees regarding their accounts. Expert oversight minimizes errors, guaranteeing accurate processing of 401(k) contributions and distributions. Utilizing these services not just streamlines plan management but also cultivates a more compliant and engaged workforce, eventually benefiting your organization’s bottom line. Frequently Asked Questions What Is the Role of a 401K Administrator? As a 401(k) administrator, you oversee the retirement plan, ensuring compliance with legal requirements like ERISA. Your role includes processing contributions, maintaining accurate records, and communicating investment options to employees. You’re responsible for timely deposits within five days and addressing inquiries about account statuses. What Is 401K Administration? 401(k) administration involves managing a company’s retirement plan to guarantee it runs smoothly and complies with legal standards. You’re responsible for processing employee contributions, distributing funds when requested, and keeping accurate records. This includes notifying employees about their eligibility, timely deposits, and managing loans. Regular audits and compliance checks are essential to avoid penalties. By overseeing these tasks, you help employees effectively save for retirement while minimizing legal risks for the company. What Is a 401K and Why Is It Important? A 401(k) is a retirement savings plan that allows you to save a portion of your paycheck before taxes. It’s important as it often includes employer matching contributions, enhancing your savings. This plan grows tax-deferred, meaning you won’t pay taxes on the money until you withdraw it in retirement. How Do 401K Administrators Make Money? 401(k) administrators make money primarily through fees charged to plan sponsors. These can include administrative fees, which typically range from $500 to $2,000 annually, depending on the plan’s complexity. Many likewise charge per-participant fees, which can be between $10 and $100 each year. Furthermore, some administrators earn commissions on financial products offered within the plan, aligning their income with the investment choices participants make. This revenue model can generate significant income within the retirement services market. Conclusion In conclusion, effective 401(k) administration is essential for ensuring compliance, protecting employee assets, and minimizing legal risks. By grasping the key responsibilities and challenges involved, you can implement strategies that improve plan management. Utilizing professional administration services can streamline processes and provide expertise, helping your organization navigate complex regulations. In the end, prioritizing effective administration not just supports your employees’ retirement goals but additionally safeguards your organization from costly penalties and audits, ensuring a secure financial future for everyone involved. Image via Google Gemini This article, "What Is 401k Administration and Its Importance?" was first published on Small Business Trends View the full article

401(k) administration is essential for managing retirement plans effectively and ensuring compliance with regulations like ERISA. It involves overseeing employee contributions, maintaining accurate records, and communicating investment options. Effective administration protects participant assets, minimizes fiduciary liabilities, and helps avoid costly penalties. By comprehending the key responsibilities and challenges in this area, you can better support employees in achieving their retirement goals. So, what specific strategies can improve your 401(k) administration efforts? Key Takeaways 401(k) administration involves managing retirement plans, ensuring compliance with ERISA, and overseeing employee contributions to protect plan integrity. Timely deposits and accurate record-keeping are crucial to avoid costly penalties and maintain fiduciary responsibility. Compliance with regulatory requirements, such as nondiscrimination testing and Form 5500 preparation, safeguards participants’ assets. Effective communication and educational resources enhance employee understanding of their retirement options and improve plan participation. Engaging professional administration services can streamline management, minimize errors, and alleviate administrative burdens for plan sponsors. Understanding 401(k) Administration Comprehension of 401(k) administration is vital for effectively managing a company’s retirement plan and ensuring compliance with legal requirements. As a 401(k) plan administrator, you oversee employee contributions, ensuring their timely deposit within five days to avoid penalties for non-compliance. Compliance with ERISA is fundamental, as it protects the plan’s integrity and minimizes personal liability for fiduciaries. The 401(k) administration involves not just processing contributions but also keeping accurate records and notifying employees about their eligibility. Failing to adhere to these responsibilities can lead to significant penalties, including excise taxes. Engaging a 3(16) fiduciary can help alleviate administrative burdens, ensuring you meet fiduciary responsibilities while maintaining compliance and safeguarding the interests of your employees. Key Responsibilities of a 401(k) Administrator Managing a 401(k) plan involves a range of responsibilities that demand attention to detail and adherence to regulatory requirements. You’ll need to guarantee timely deposits of employee contributions within five days to avoid penalties. Regular communication with employees about their account status and investment options is fundamental. Moreover, you must manage 401(k) loan requests, documenting and processing them accurately to prevent financial liabilities. Compliance with annual tasks is critical, including conducting nondiscrimination testing and preparing Form 5500, which helps avoid audits and penalties. Maintaining accurate records and guaranteeing alignment between payroll and the 401(k) provider are essential for compliance with 401k employer match rules and successful 401k contributions to 401k plans. The Role of Compliance in 401(k) Administration Compliance with ERISA is crucial for ensuring the integrity of your 401(k) plan and protecting participant assets. With 66% of DOL investigations resulting in enforcement actions last year, it’s clear that strict adherence to compliance regulations can prevent significant financial repercussions. ERISA Compliance Requirements ERISA compliance is crucial for the successful administration of a 401(k) plan, guaranteeing that both plan sponsors and administrators avoid potential penalties and maintain the plan’s integrity. Comprehending the 401k plankmeaning helps you appreciate the 401k advantages it offers, such as tax benefits and retirement savings. Compliance with the Employee Retirement Income Security Act requires timely depositing deferrals and conducting nondiscrimination testing to confirm equitable benefits. Accurate completion of Form 5500 is critical to avoid audits and financial penalties. To simplify compliance tasks, consider hiring a 3(16) fiduciary, who can efficiently manage administrative responsibilities, making certain that all requirements are met and reducing the risk of costly mistakes, in the end protecting your plan’s integrity. DOL Investigation Statistics The significance of compliance in 401(k) administration becomes even clearer when examining the statistics from the Department of Labor (DOL). In 2022, 66% of DOL investigations led to enforcement actions, showcasing the risks 401(k) plan administrators face. The DOL recovered $900 million as a result of compliance failures, emphasizing the financial ramifications of not adhering to regulations. Compliance with ERISA is essential for safeguarding employee retirement savings and fulfilling fiduciary responsibilities. Late deposits can incur severe penalties, making it critical to stay compliant. Year Investigations Enforcement Actions 2020 500 300 2021 600 400 2022 700 462 2023 800 TBD 2024 TBD TBD Importance of Accuracy When managing a 401(k) plan, accuracy is paramount, as even small errors can lead to significant consequences. Compliance failures can result in costly penalties and audits, making it vital to maintain precision. Here are four key areas where accuracy is critical: Loan Processing: Errors can lead to financial liabilities for your company. Late Deposits: These may incur excise taxes and fines. Nondiscrimination Testing: Failing this can require corrective distributions or contributions. Form 5500: Mistakes can trigger government audits and substantial financial penalties. Ensuring accuracy in 401(k) administration not merely protects your organization from DOL investigations but additionally preserves the integrity of the retirement plan for all participants. Common Challenges in 401(k) Management When managing a 401(k), you’ll face several common challenges that can impact the plan’s effectiveness. Regulatory compliance issues can lead to costly penalties if not addressed quickly, whereas the administrative burden often overwhelms those responsible for maintaining the plan. Furthermore, participant communication challenges can create confusion, making it vital to guarantee clear and timely information is shared with all employees involved. Regulatory Compliance Issues Maneuvering regulatory compliance issues in 401(k) management is crucial for plan sponsors, as failing to meet requirements can lead to significant penalties and enforcement actions. Here are some common challenges you may face: Timely deposits of contributions, which must be made within five days of payroll. Accurate processing of loan requests to prevent financial liabilities for your organization. Adhering to nondiscrimination testing requirements to guarantee equitable benefits and avoid penalties. Completing and submitting Form 5500 accurately to prevent audits and financial repercussions. Compliance with the Employee Retirement Income Security Act (ERISA) is critical to maintain the integrity of your 401(k) plan. Addressing these issues proactively can help safeguard against costly penalties and guarantee smooth plan operations. Administrative Burden Managing a 401(k) plan comes with a host of administrative burdens that can overwhelm even the most diligent plan administrators. You face strict deadlines, such as the timely deposit of deferrals within five days, to avoid penalties. Non-compliance with regulatory requirements can lead to costly consequences, illustrated by the 66% of DOL investigations resulting in enforcement actions. Moreover, annual nondiscrimination testing adds complexity, as failing these tests may require corrective actions. Maintaining accurate data synchronization between payroll and the 401(k) provider is essential, as manual data transfers heighten the risk of compliance failures. Challenge Impact Solution Timely Deposit of Deferrals Penalties for late deposits Automate deposits Regulatory Compliance Enforcement actions Regular audits Nondiscrimination Testing Corrective contributions needed Hire compliance experts Data Synchronization Increased risk of errors Use integrated systems Participant Communication Challenges Effective communication with participants is a fundamental aspect of 401(k) management that often presents its own set of challenges. These participant communication challenges can lead to misunderstandings about 401(k) options, contributing to employee dissatisfaction. To tackle these issues, consider the following strategies: Regular Updates: Keep participants informed about contribution rates and eligibility to prevent missed opportunities. Clear Educational Resources: Provide accessible information about the 401(k) plan and investment strategies to help employees make informed decisions. Prompt Responses: Address inquiries and complaints quickly to maintain trust and reduce administrative burdens. Compliance Notices: Guarantee timely distribution of required notices regarding compliance changes to avoid penalties and potential plan disqualification. Strategies for Effective 401(k) Administration To guarantee the smooth administration of a 401(k) plan, it’s crucial to adopt strategies that minimize errors and improve compliance with regulatory requirements. Start by comprehending how to set up a 401(k) and ensuring that all employees are informed about their 401k contribution options. Simplifying plan design can reduce administrative burdens, whereas digital tools can help synchronize payroll and retirement systems, decreasing the risk of mistakes. Engage a 3(16) fiduciary to alleviate your administrative responsibilities and focus on business priorities. Remember, employer contributions affect 401k limits, so stay informed about contribution rules. Regularly review compliance requirements to avoid costly mistakes, as even small errors, like incorrect deferral rates, can complicate audits and lead to penalties. The Benefits of Professional Administration Services Employers looking to optimize their 401(k) plans can greatly benefit from professional administration services. These services help guarantee compliance with complex regulations, which is vital for avoiding costly compliance failures. Here are some key benefits: They assure timely deposits of employee contributions within the required five-day window, reducing the risk of penalties. Professional administrators assume fiduciary responsibility, alleviating personal liability for plan sponsors. They improve participant satisfaction by enhancing communication and support for employees regarding their accounts. Expert oversight minimizes errors, guaranteeing accurate processing of 401(k) contributions and distributions. Utilizing these services not just streamlines plan management but also cultivates a more compliant and engaged workforce, eventually benefiting your organization’s bottom line. Frequently Asked Questions What Is the Role of a 401K Administrator? As a 401(k) administrator, you oversee the retirement plan, ensuring compliance with legal requirements like ERISA. Your role includes processing contributions, maintaining accurate records, and communicating investment options to employees. You’re responsible for timely deposits within five days and addressing inquiries about account statuses. What Is 401K Administration? 401(k) administration involves managing a company’s retirement plan to guarantee it runs smoothly and complies with legal standards. You’re responsible for processing employee contributions, distributing funds when requested, and keeping accurate records. This includes notifying employees about their eligibility, timely deposits, and managing loans. Regular audits and compliance checks are essential to avoid penalties. By overseeing these tasks, you help employees effectively save for retirement while minimizing legal risks for the company. What Is a 401K and Why Is It Important? A 401(k) is a retirement savings plan that allows you to save a portion of your paycheck before taxes. It’s important as it often includes employer matching contributions, enhancing your savings. This plan grows tax-deferred, meaning you won’t pay taxes on the money until you withdraw it in retirement. How Do 401K Administrators Make Money? 401(k) administrators make money primarily through fees charged to plan sponsors. These can include administrative fees, which typically range from $500 to $2,000 annually, depending on the plan’s complexity. Many likewise charge per-participant fees, which can be between $10 and $100 each year. Furthermore, some administrators earn commissions on financial products offered within the plan, aligning their income with the investment choices participants make. This revenue model can generate significant income within the retirement services market. Conclusion In conclusion, effective 401(k) administration is essential for ensuring compliance, protecting employee assets, and minimizing legal risks. By grasping the key responsibilities and challenges involved, you can implement strategies that improve plan management. Utilizing professional administration services can streamline processes and provide expertise, helping your organization navigate complex regulations. In the end, prioritizing effective administration not just supports your employees’ retirement goals but additionally safeguards your organization from costly penalties and audits, ensuring a secure financial future for everyone involved. Image via Google Gemini This article, "What Is 401k Administration and Its Importance?" was first published on Small Business Trends View the full article

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