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Creating a winning marketing strategy requires a clear, step-by-step approach. First, you’ll want to conduct thorough market research to understand your audience and competitors. Next, developing detailed buyer personas will help you tailor your offerings. After that, crafting a compelling messaging framework is essential for articulating your unique value proposition. Then, it’s time to design targeted marketing strategies. Finally, continuous measurement and refinement guarantee your strategy remains effective. Let’s explore each of these steps in detail. Key Takeaways Conduct thorough market research to identify customer needs and analyze competitors for effective positioning. Develop detailed buyer personas to understand demographics, psychographics, and customer pain points. Craft a compelling messaging framework that highlights your unique value proposition and aligns with customer motivations. Design tailored marketing strategies incorporating the 4 Ps: Product, Price, Place, and Promotion, based on research insights. Continuously measure and refine performance using KPIs, analytics tools, and customer feedback to adapt to market changes. Conduct Thorough Market Research Conducting thorough market research is essential for any business looking to succeed in today’s competitive environment. You need to understand customer preferences, as 42% of startups fail because of a lack of market need. By using both qualitative and quantitative methods, you can gather extensive data on demographics, psychographics, and industry trends. Analyzing competitors’ strengths and weaknesses will also provide insights into your market positioning, helping you identify unique selling propositions. Furthermore, identifying industry trends through research can reveal opportunities for innovation. Regularly updating and refining your market research based on new data will guarantee that your marketing strategy remains relevant and effective, ultimately improving your chances of success in a dynamic market terrain. Develop Detailed Buyer Personas Creating detailed buyer personas is an essential step in developing a successful marketing strategy. To start, analyze demographic data like age, gender, income, and education. This helps you define marketing initiatives that target your ideal customer profile. Incorporate psychographic factors such as interests, attitudes, and lifestyles to better understand buyer motivations. Researching customer challenges and pain points allows you to tailor your products or services, enhancing your value proposition. Utilize qualitative and quantitative methods, like surveys and focus groups, for robust data. Continuously refine these personas based on new insights, ensuring your marketing strategy remains relevant and effective in addressing evolving customer behaviors. This approach will notably contribute to building a marketing strategy that resonates with your audience. Craft a Compelling Messaging Framework To craft a compelling messaging framework, start by clearly defining your unique value proposition (UVP), which outlines how your product or service addresses specific pain points faced by your target audience. Next, identify key messaging pillars that align with your buyer personas’ motivations and challenges. This guarantees your communications resonate effectively. Incorporate a consistent brand voice across all channels, whether formal or conversational, to build trust and recognition. Utilize feedback from customer interactions and market research to refine your messaging framework, enabling you to adjust to evolving preferences. Finally, regularly review and update your framework based on analytics to guarantee your marketing remains relevant, maximizing engagement and conversion rates as you learn how to create a marketing strategy and develop your product marketing plan. Design Tailored Marketing Strategies Designing customized marketing strategies is essential for connecting with your target audience effectively. Start with in-depth market research to understand customer demographics and preferences. Use this information to create detailed buyer personas that reflect their motivations and challenges. This approach helps you craft personalized marketing messages that resonate. Incorporate the 4 Ps of marketing—Product, Price, Place, and Promotion—to align your offerings with customer needs and market trends. Furthermore, leverage data analytics tools to track interactions and campaign performance, allowing you to continuously refine your strategies. Finally, implement A/B testing to determine which messages and channels yield the best results. Continuously Measure and Refine Performance During the implementation of your marketing strategy, it’s crucial to continuously measure and refine your performance. Regularly analyze key performance indicators (KPIs) like website traffic and conversion rates, which help assess how effective your strategy is. Use analytics tools for data collection, allowing you to adjust tactics based on trends. A/B testing various campaigns can reveal which strategies yield the best ROI. Schedule quarterly reviews to align with market changes and consumer preferences. Moreover, create a feedback loop by gathering insights from customers and sales teams to refine your messaging and tactics effectively. Action Purpose Analyze KPIs Assess effectiveness Conduct A/B Testing Identify high-performing tactics Schedule Reviews Guarantee strategy alignment Frequently Asked Questions What Are the 5 Steps of Marketing Strategies? To develop effective marketing strategies, follow these five steps. First, define your business and marketing goals clearly. Next, conduct thorough market research to understand competitors and customer preferences. Then, create detailed customer profiles to tailor your messaging. After that, synthesize your findings to align goals with market insights. Finally, implement an action plan that outlines responsibilities, timelines, and budgets, ensuring your marketing efforts are organized and focused on achieving desired outcomes. What Are the 5 P’s of Marketing Strategy? The 5 P’s of marketing strategy are Product, Price, Place, Promotion, and People. Product involves what you’re offering, focusing on features and quality. Price refers to your pricing strategy, reflecting value during a competitive landscape. Place deals with distribution channels, ensuring customers can access your product easily. Promotion encompasses your marketing communications to engage your audience. Finally, People address the target market, emphasizing comprehension of customer needs and preferences for effective marketing. What Is the 5S Marketing Strategy? The 5S marketing strategy focuses on five key elements: Sell, Serve, Speak, Save, and Sizzle. You start with “Sell,” which emphasizes effective promotion of products. Next, “Serve” involves delivering excellent customer service to nurture loyalty. “Speak” means engaging customers with relevant communication. “Save” aims to attract price-sensitive consumers through promotions. Finally, “Sizzle” creates excitement around your brand, enhancing customer experience. Together, these elements drive customer engagement and boost sales effectively. What Are the 5 P’s of Strategic Marketing? The 5 P’s of strategic marketing are Product, Price, Place, Promotion, and People. First, define your Product by comprehending its features and benefits to meet customer needs. Next, determine the right Price to reflect value and competition. Then, choose the appropriate Place for distribution, ensuring accessibility. After that, craft your Promotion strategy to raise awareness. Finally, consider People, focusing on your target audience’s demographics and preferences to improve engagement and effectiveness. Conclusion In summary, creating a winning marketing strategy requires careful planning and execution. By conducting thorough market research, developing detailed buyer personas, crafting a compelling messaging framework, designing customized marketing strategies, and continuously measuring performance, you can effectively meet customer needs. Stay adaptable and responsive to feedback, ensuring your strategy remains relevant in a changing market. Follow these steps, and you’ll improve your chances of achieving your marketing goals and driving business success. Image Via Envato This article, "How to Create a Winning Marketing Strategy in 5 Steps" was first published on Small Business Trends View the full article

Microsoft Advertising is shutting down its Ads for Social Impact grant program, which provided free ad credits to nonprofits. Final grants will be issued November 30, 2025, with a 45-day window to spend them. Why we care. The decision ends a program that helped nonprofits amplify their missions through free advertising dollars. Starting in 2026, nonprofits that don’t pause campaigns risk being automatically charged on the payment methods tied to their accounts. Driving the news: The program officially ends December 2025, with campaigns required to be paused by early January if funds are exhausted. Microsoft says nonprofits will still have access to discounted tools through its broader Tech for Social Impact offerings, including Azure, Dynamics 365, and Microsoft 365. Employees can continue supporting nonprofits through Microsoft’s volunteer and donation matching programs. If you forget to pause your campaigns, Microsoft will automatically start charging your credit card on Jan 1. What they’re saying. George Weiner, Founder of digital agency Whole Whale, who also posted the message he received on LinkedIn, argues the cut sends the wrong signal at a company worth over $3 trillion, especially given Microsoft’s $13 billion investment in AI. He sees it as a cost-savings move tied to AI priorities and that the goodwill generated from free ads didn’t justify the spend. Microsoft Ads Liaison Navah Hopkins confirmed the news, acknowledging disappointment but emphasizing Microsoft’s other nonprofit initiatives. The bottom line. Nonprofits will need to pivot—either budgeting for Microsoft Ads or shifting spend elsewhere—as one of the few big tech ad grant programs winds down. View the full article

Google is officially retiring Call-Only Ads, with creation ending in February 2026 and full sunset by February 2027. Advertisers relying on phone leads will need to transition to Responsive Search Ads with Call Assets. How to prepare: Switch campaigns to Responsive Search Ads with Call Assets. Enable call reporting and set call conversions as a primary goal. Use smart bidding, like Maximize conversion value, for better ROI. Link your Google Business Profile for location-based relevance. Restrict calls to business hours to avoid wasted leads. Why we care. Call-Only Ads have been a go-to for businesses that rely on direct phone calls, especially in local services. Their removal means marketers must rethink lead-generation strategies to keep call volume steady. Between the lines. Proactive migration is key—waiting until 2027 could mean disrupted lead generation and performance drops. What’s next. Advertisers have 16 months to transition. Google has published new help pages with step-by-step guidance on migration and performance optimization. The bottom line. Phone calls aren’t going away, but the format is. Success will depend on how quickly advertisers adapt call strategies into a responsive, AI-optimized ad ecosystem. First seen. These updates were first spotted by PPC News Feed founder Hana Kobzová. View the full article

Google Analytics is making it easier for businesses to compare themselves against industry peers by expanding its Benchmarking feature to include 20 new unnormalized metrics, such as New Users and Total Revenue. How it works. Google Analytics estimates benchmark ranges for absolute numbers by multiplying a peer group’s normalized metric by your property’s active user count. For example, benchmarks for Engaged Sessions are calculated as: Peer group’s engaged sessions per active user × your active users. Details: Benchmarks are offered in percentiles (25th, median, 75th) to show performance ranges. Peer groups are determined by industry categories, based on setup data and property signals. Data is encrypted, aggregated, refreshed every 24 hours, and only available when enough peers qualify. Why we care. Until now, benchmarking was limited to normalized data (percentages and ratios). By adding absolute numbers, businesses can see how their raw performance stacks up against competitors—while still accounting for traffic differences through estimation models. What’s next. With broader benchmarking, businesses can go beyond vanity metrics to identify strengths, spot weak points, and take targeted actions—whether that’s boosting acquisition, improving engagement, or optimizing monetization. The bottom line. Google Analytics is giving marketers a more realistic, apples-to-apples way to see if they’re lagging, leading, or keeping pace with competitors in their industry. View the full article

Gusty weather drives huge amounts of wind power into the gridView the full article

After revolutionising the music industry, the streaming mogul is stepping back but not giving upView the full article

The move will deprive the Fed of key statistics and further dent America’s global economic leadershipView the full article

In a rapidly changing retail landscape, small businesses are seeking innovative ways to meet customer demands and enhance their shopping experiences. PayPal’s recent announcement regarding updates to PayPal Honey introduces a game-changing tool that could help small enterprises bridge the gap between discovery and purchase, leveraging AI to streamline the customer journey. According to a PayPal release dated September 30, 2025, the new capabilities of PayPal Honey aim to optimize the purchasing process for consumers who utilize AI tools. This technology is particularly useful as 61% of U.S. adults now engage with AI tools, and nearly half are enthusiastic about how AI can enhance their online shopping experience. As small business owners navigate this trend, understanding the implications of these updates could greatly benefit their operations and sales. PayPal Honey enhances user interactions by transforming AI-driven product inquiries into seamless buying experiences. When a consumer asks an AI chatbot for recommendations on items like “the best televisions that are 55 inches or larger,” PayPal Honey’s extension displays product options filtered by real-time pricing, merchant choices, and exclusive offers. This feature aims to reduce the time customers spend hunting for product information, thus minimizing potential sales drop-offs. Mark Grether, Senior Vice President and General Manager of PayPal Ads, highlighted the urgency of this evolution, stating, “We’re witnessing the dawn of agentic commerce, where AI fundamentally reshapes how people discover and buy products.” By incorporating PayPal Honey into their shopping experience, small businesses can create an environment where consumers are more likely to complete their purchases instead of getting lost in a labyrinth of options. The launch of these features coincides with a dramatic rise in AI-generated traffic to retail sites, which has surged by an astounding 1,200%. However, this increase does not guarantee conversions. PayPal Honey’s functionality aims to enhance the link between AI product recommendations and actual purchases, which may provide merchants an edge in a competitive market. The extension of PayPal Honey is designed to offer smart shopping recommendations—including price comparisons and personalized offers based on shopping patterns. This feature not only elevates the customer experience but also allows merchants to attract more traffic from engaged consumers who are ready to make purchases. For small business owners, this can translate to increased sales as PayPal Honey automatically surfaces additional shopping options, ensuring customers have access to a broader range of products, including those from major retailers that AI recommendations might overlook. Implementing this technology can give small businesses a unique selling proposition, appealing to the modern consumer’s desire for comprehensive, effortless shopping experiences. Working with PayPal Honey could also enhance advertising effectiveness, allowing small businesses to better utilize data insights for targeted marketing efforts. By connecting with PayPal’s expansive network, businesses may drive improved engagement rates through personalized offers that resonate with their consumer base. However, as with any technological advancement, there are potential challenges associated with integrating AI-enhanced shopping experiences. Small business owners should consider the necessary investments in technology, training, and marketing to effectively implement tools like PayPal Honey. Moreover, ensuring a cohesive experience between in-store and online shopping may require additional resources. These updates to PayPal Honey will be rolled out at no cost to existing and new users in the U.S. just in time for Black Friday and the holiday shopping season. New users can download PayPal Honey through joinhoney.com, making this an opportune moment for small businesses to get onboard with the latest in agentic commerce. As the retail ecosystem continues to evolve, small business owners looking for actionable strategies should consider the implications of integrating AI-driven tools like PayPal Honey into their operations. By leveraging these advancements, they can offer enhanced customer experiences while driving sales and building lasting relationships with their consumers. For further details, you can refer to the original announcement by PayPal here. Image via PayPal This article, "PayPal Honey Simplifies AI Shopping with Instant Product Discovery Tools" was first published on Small Business Trends View the full article

In a rapidly changing retail landscape, small businesses are seeking innovative ways to meet customer demands and enhance their shopping experiences. PayPal’s recent announcement regarding updates to PayPal Honey introduces a game-changing tool that could help small enterprises bridge the gap between discovery and purchase, leveraging AI to streamline the customer journey. According to a PayPal release dated September 30, 2025, the new capabilities of PayPal Honey aim to optimize the purchasing process for consumers who utilize AI tools. This technology is particularly useful as 61% of U.S. adults now engage with AI tools, and nearly half are enthusiastic about how AI can enhance their online shopping experience. As small business owners navigate this trend, understanding the implications of these updates could greatly benefit their operations and sales. PayPal Honey enhances user interactions by transforming AI-driven product inquiries into seamless buying experiences. When a consumer asks an AI chatbot for recommendations on items like “the best televisions that are 55 inches or larger,” PayPal Honey’s extension displays product options filtered by real-time pricing, merchant choices, and exclusive offers. This feature aims to reduce the time customers spend hunting for product information, thus minimizing potential sales drop-offs. Mark Grether, Senior Vice President and General Manager of PayPal Ads, highlighted the urgency of this evolution, stating, “We’re witnessing the dawn of agentic commerce, where AI fundamentally reshapes how people discover and buy products.” By incorporating PayPal Honey into their shopping experience, small businesses can create an environment where consumers are more likely to complete their purchases instead of getting lost in a labyrinth of options. The launch of these features coincides with a dramatic rise in AI-generated traffic to retail sites, which has surged by an astounding 1,200%. However, this increase does not guarantee conversions. PayPal Honey’s functionality aims to enhance the link between AI product recommendations and actual purchases, which may provide merchants an edge in a competitive market. The extension of PayPal Honey is designed to offer smart shopping recommendations—including price comparisons and personalized offers based on shopping patterns. This feature not only elevates the customer experience but also allows merchants to attract more traffic from engaged consumers who are ready to make purchases. For small business owners, this can translate to increased sales as PayPal Honey automatically surfaces additional shopping options, ensuring customers have access to a broader range of products, including those from major retailers that AI recommendations might overlook. Implementing this technology can give small businesses a unique selling proposition, appealing to the modern consumer’s desire for comprehensive, effortless shopping experiences. Working with PayPal Honey could also enhance advertising effectiveness, allowing small businesses to better utilize data insights for targeted marketing efforts. By connecting with PayPal’s expansive network, businesses may drive improved engagement rates through personalized offers that resonate with their consumer base. However, as with any technological advancement, there are potential challenges associated with integrating AI-enhanced shopping experiences. Small business owners should consider the necessary investments in technology, training, and marketing to effectively implement tools like PayPal Honey. Moreover, ensuring a cohesive experience between in-store and online shopping may require additional resources. These updates to PayPal Honey will be rolled out at no cost to existing and new users in the U.S. just in time for Black Friday and the holiday shopping season. New users can download PayPal Honey through joinhoney.com, making this an opportune moment for small businesses to get onboard with the latest in agentic commerce. As the retail ecosystem continues to evolve, small business owners looking for actionable strategies should consider the implications of integrating AI-driven tools like PayPal Honey into their operations. By leveraging these advancements, they can offer enhanced customer experiences while driving sales and building lasting relationships with their consumers. For further details, you can refer to the original announcement by PayPal here. Image via PayPal This article, "PayPal Honey Simplifies AI Shopping with Instant Product Discovery Tools" was first published on Small Business Trends View the full article

A comedy festival in the capital of Saudi Arabia has provided golden material for comedians who declined the offer on principle—or would’ve done, if they’d received an invite in the first place. The debut Riyadh Comedy Festival, running Sept. 26 to Oct. 9, bills itself as “the biggest comedy festival in the world.” In the line up of more than 50 comedians, some like Bill Burr and Pete Davidson, whose firefighter father was killed in the 9/11 attacks, came as a shock and disappointment to fans. The irony is also not lost that many of these same comics, who have publicly railed against cancel culture and preached about freedom of speech, sold out to a regime that allegedly provided a list of deal terms for appearing at the event, including forbidding any criticism of religion or the Saudi royals. Online, fellow comedians quickly jumped on the bit. “Sometimes in order to fight the power, you need to be paid by the power,” quipped comedian Vinny Thomas, who often goes viral for his social media skits. New York-based comedian Gianmarco Soresi wrote on X: “If you do the Riyadh Comedy Festival and don’t tell a joke that gets you imprisoned by the monarchy then what was even the point of having The President on your podcast?” Shaan Baig, who regularly posts impressions on TikTok, offered one of comedian Aziz Ansari. “At first I was like oh noooo,” he says. “But then they showed me the money and I was like, um, who cares about dead journalists? Get me to the desert.” Representatives for Ansari, Burr, and Davidson did not respond to request for comment at the time of publication. Marc Maron, host of the WTF podcast, joked that it was easy for him to “take the high road on this one” given he was not asked to perform. He also questioned how the festival would be promoted. “From the folks that brought you 9/11,” he riffed in a stand-up bit posted to Instagram last week. “Two weeks of laughter in the desert, don’t miss it.” Jokes aside, Human Rights Watch called on the performers who chose to partake “to publicly urge Saudi authorities to free unjustly detained Saudi dissidents, journalists, and human rights activists,” suggesting that the Saudi government is using the festival “to deflect attention from its brutal repression of free speech and other pervasive human rights violations.” But, as comedian Zach Woods said on Instagram: “Name one comedian who hasn’t whored themself out to a dictator.” View the full article

Below, Michelle “MACE” Curran shares five key insights from her new book, The Flipside: How to Invert Your Perspective and Turn Fear into Your Superpower. Michelle spent over a decade as a fighter pilot and served as the Lead Solo Pilot for the Thunderbirds, the U.S. Air Force’s elite demonstration team. She has nearly 2,000 hours of F-16 flying time and flew combat missions in Afghanistan. Known for her upside-down maneuvers, she has inspired audiences at airshows and flyovers like the Super Bowl, Daytona 500, and Indy 500. What’s the big idea? Mace spent years operating in high-pressure environments, from combat situations to performing high-speed maneuvers in front of millions of people. But what also came with that career were the moments behind the scenes of self-doubt, the struggle to find her identity, the near misses, and the mental battles that came with the job. Much of what she learned to persevere and triumph as a fighter pilot applies to winning at life. 1. Your inner critic is just a voice, not a verdict. When I was a young, inexperienced fighter pilot, I lived with this constant fear that I didn’t belong and wasn’t good enough. I’d walk into a briefing room and feel like everyone else had it together. Meanwhile, I was hyperaware of everything I said and did as I tried to live up to my idea of what the perfect fighter pilot was. This voice lives in all of us—that inner critic—telling you that you’re not ready, not enough, or don’t have what it takes. It may sound a whole lot like the truth, but that voice is often just fear in disguise: fear of being seen, fear of failing, or fear of finally succeeding and not knowing what to do with it. I had to learn that my inner critic wasn’t a signal to stop. It didn’t mean I was in the wrong place. It was a sign that I was pushing into something that mattered—something that was difficult, but worth doing. I used to think that courage would show up, make me feel ready, and then I’d act. But courage comes after the action. So, when that inner critic chimes in, pause, acknowledge it, and then take one small, bold step despite it. Courage isn’t the absence of doubt. It’s action in the presence of it. “It was a sign that I was pushing into something that mattered—something that was difficult, but worth doing.” I didn’t get rid of my inner critic. I just stopped letting it drive. Even now, it still shows up before big decisions or at the start of new chapters, but I’ve learned to recognize its tone. It’s never curious. It’s never kind. It always speaks in absolutes: you’ll never, you can’t, you shouldn’t. When I hear that voice now, I take it as a clue, not a command. It’s a sign that I’m stretching into something that matters. 2. One minute, one hour, one month. During an airshow in Columbia, I was flying my Thunderbird jet at 400 miles per hour, just a couple of thousand feet above a forest. Suddenly, I saw a flash of light, heard a loud thud, and felt the jet shake. I had just hit a bird. Later, I’d find out it was a vulture with a six-foot wingspan, but in that moment, all I knew was that this was serious. I didn’t know how bad the damage was. Was the engine okay? Would the aircraft keep flying? My adrenaline spiked, but I didn’t panic. I fell back on a mental checklist that we drilled from day one in training: Maintain aircraft control (don’t make it worse). Analyze the situation (what do I know?). Take proper action (what can I do about it?). First, I focused on flying the jet, checking my instruments, and communicating with the rest of the team. Not fixing, but assessing, then acting. I still use that same process when things go sideways in life, but I translate it like this: What do I need to do in the next one minute, one hour, and one month? One minute: pause, breathe. Just let yourself feel it. Ground yourself in your body. One hour: analyze, gather facts. Get support. One month: adjust your habits, actions, and mindset. Whether it’s a breakup, a layoff, or a deal falling through, you don’t need to solve everything all at once. When a bird hits your jet or life just hits you hard, start with the next minute because how you respond in small windows determines how you navigate the big ones. That bird strike could have gone very differently. If I had let panic set the tempo, I could have turned a bad moment into a catastrophic one, and I think we do that in life, too. We try to sprint through things that need a steady walk. When something goes wrong, don’t just ask, What should I do? Ask what matters most in this moment? What can wait, and what can I shift long-term? That’s how you lead yourself through pressure—not perfectly, but with purpose. 3. Wiggle your toes. Air refueling is when one airplane takes gas from another while flying alongside each other at over 300 miles per hour, thousands of feet in the air. It is a skill that requires practice and finesse, and it is stressful to learn. As a newbie pilot with little experience attempting this task, I was tense. My hand was going numb and I was gripping the stick like it owed me money, and every time I got close to the position where our airplanes would actually touch, I’d overcorrect, become unstable, and be told to back up and try again. After one particularly bad flight, my instructor gave me this piece of advice: “Mace, when you get close, don’t forget to wiggle your toes.” It sounded silly considering we were trained combat pilots flying $30 million aircraft, but on the next flight, I gave it a try. As I felt the stress build, I consciously moved my toes inside my boots, and it worked. That tiny movement disrupted the tension in my body. It made me breathe, relax, and refocus. “When pressure rises, your instinct might be to grip tighter, but sometimes the best move is to loosen your hold.” Wiggling my toes became a ritual, and not just in the jet, but anytime. Stress made me want to control everything too tightly. When pressure rises, your instinct might be to grip tighter, but sometimes the best move is to loosen your hold. Try wiggling your toes. It’s a physical disruptor. It breaks the stress spiral. It buys you a moment to respond with intention instead of reacting under duress, and sometimes that’s all you need to regain control, not by force, but by presence. 4. Call signs are earned, not chosen. In the fighter pilot world, we have nicknames that we refer to as call signs, and you do not get to pick yours. It’s given to you, usually after a mistake you made as a young pilot. Mine came during basic fighter maneuvering. I got so focused on the wrong thing that I accidentally broke the sound barrier—I was supersonic when I wasn’t supposed to be, and didn’t even realize it. I didn’t even understand what had happened until after we landed and watched the cockpit recordings during our debrief. Not long after, I was officially named Mace (an acronym for “MACH at circle entry”). This wasn’t a compliment. It was a reminder of a rookie mistake, and I honestly felt a lot of shame around it. Then I thought about how every single pilot in my unit had a call sign, even the most respected, the best, the most experienced. I realized that when you’re doing something hard, no one gets by unscathed, and it wasn’t perfection that led to success, but persistence. Our identities are often shaped by how we recover from missteps, not how we avoid them. That moment became part of my growth. I eventually owned it. I learned from it, and I flew smarter because of it. You might not get to control how every chapter of your story starts, but you do get to decide how it ends. I used to carry so much shame around that call sign, but then I realized it meant I was in the game. You don’t get a call sign if you’re sitting on the sidelines. You get one by showing up, getting it, and still coming back for more. All the people I looked up to had a moment they’d rather forget. Confidence doesn’t come from never falling. It comes from proving to yourself that you can rise after you do. 5. What’s your go/no-go criteria? In aviation, we use the concept of go/no-go decisions. This is something you decide before the mission ever begins, not when things are falling apart. Before every flight, especially ones that push limits, you set your criteria. If the weather drops below a certain level, no go. If fuel hits this mark, go home. If the system isn’t functioning, abort the mission. Why? Because once you’re in the air, the variables increase, and so does the pressure. You’re emotionally invested, and that’s when people make poor decisions. They press forward toward an objective and into danger because they’re already in motion. A great example from mountaineering is summit fever, when a team pushes ahead because that summit is so close, even though they’ve already passed their turnaround time. Go/no-go keeps you honest and calm so that when chaos hits, you don’t have to figure it out. You just follow the plan. “You’re emotionally invested, and that’s when people make poor decisions.” I’ve used this concept in my personal life. Whether business, relationships, or big goals, I try to set my limits and values before investing time, money, and energy. What am I willing to compromise on? When will I walk away or shift course? This is where the sunk cost fallacy kicks in. We tell ourselves that we’ve already come this far and invested too much to quit now, but that logic traps us in bad decisions. The time, energy, or money you’ve already spent is gone. What matters is whether continuing is still aligned with your values, safety, and mission. Go/no-go protects you from doubling down just to justify your investment. It gives you a way to honor your effort without letting it dictate your future so that when things deviate from the plan, you don’t have to scramble to find clarity. Bold doesn’t mean reckless, and quitting isn’t the same as failing. Draw those go/no go lines before you need them because decisions made in calm are what guides you in chaos. This article originally appeared in Next Big Idea Club magazine and is reprinted with permission. View the full article

It beats an org chart and here’s why. By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

It beats an org chart and here’s why. By Jody Grunden Building the Virtual CFO Firm in the Cloud Go PRO for members-only access to more Jody Grunden. View the full article

Plus three ways to help clients see the value. By Hitendra Patil Client Accounting Services: The Definitive Success Guide Go PRO for members-only access to more Hitendra Patil. View the full article

Plus three ways to help clients see the value. By Hitendra Patil Client Accounting Services: The Definitive Success Guide Go PRO for members-only access to more Hitendra Patil. View the full article

For the ladies of the Las Vegas Aces and the Phoenix Mercury, it’s time to leave it all on the court. The 2025 WNBA finals start tonight (Friday, October 3) at 8 p.m. ET. Notably, this is the first year that the WNBA finals are a best-of-seven games format. The Aces may be favored to win, but don’t count out the scrappy Mercury squad. Let’s take a deeper look at how these two teams got here, their strengths, and how to tune in. A season and playoffs recap The WNBA consists of 13 teams, with the top eight moving onto the postseason playoffs. This year, the Minnesota Lynx, Las Vegas Aces, Atlanta Dream, Phoenix Mercury, New York Liberty, Golden State Valkyries, Indiana Fever, and Seattle Storm got the chance to battle it out in a bracket-style tournament consisting of three rounds, including the finals. In the regular season, the Aces went out on a high note, winning their last 16 games. The team traveled a bumpier path to the finals and fought hard to earn their spot. In Game 5 of their semifinal series, the women defeated the Indiana Fever in overtime, 107–98. Coach Becky Hammon joked, “Our road has been broken. It’s been a twisty, windy one but here we are,” as ESPN reported. The Aces are no strangers to the finals, having participated in four of them in the last six years. They were victorious in 2022 and 2023, becoming the first team since the Sparks to win back-to-back championships. On the other side of the coin, the Phoenix Mercury entered this season with almost all new players. This roster thrived in the playoffs as the underdogs. They first took on defending champions New York Liberty and came out victorious. Next, they defeated No. 1 seed Minnesota Lynx. The franchise has not won a championship since 2014, but was present in the 2021 battle. Coach Nate Tibbetts embraced the team’s darkhorse standing. “No one has had expectations for us except ourselves,” he mused, according to to ESPN. “The pride and the togetherness for such a new group, it’s pretty impressive.” Strengths and weaknesses Each team has their own unique power plays and pitfalls. The Aces’ greatest assets come in a trio. Center A’ja Wilson, guard Jackie Young, and guard Chelsea Gray are at the top of their respective games. They have experience winning two previous championships together and have helped mentor newer player NaLyssa Smith. The Aces will also have the home court advantage for games 1, 2, 5, and 7 because they are the higher seeded team. A potential Achilles’ heel is relying too much on their star players. Wilson and Young can’t score all the points themselves. They need backup from their teammates, and without it might not get the results they so desperately want. Their opponents have their own set of advantages and vulnerabilities. Phoenix is on a roll, and this momentum could help them win it all. They are not afraid to go all-in. Their defense is going to have to continue to bring the heat to defeat the Aces, just like they did against the Lynx. A failure to do so might just end up in a loss. Travel searches to Phoenix and Las Vegas skyrocket Fans are preparing for an epic showdown and appear willing to travel to see it live. This is evident in data from Booking.com, the WNBA’s official travel partner. The site has seen a 103% increase in travel searches for Phoenix for October 8-10, and 166% increase for October 15, Booking.com shared with Fast Company. Aces fans have also gotten in on the action, with Las Vegas searches increasing 67% for October 3-5 and 127% for October 17. Overall, searches for Las Vegas sustained increased searches during the entire series. How can I watch or stream the WNBA finals? If you can’t make the trip to see the players in person, never fear. To see game 1 of the 2025 WNBA finals, tune into ESPN at 8 p.m. ET. You can also catch the action on ESPN.com and the ESPN app, but you will need a traditional pay-TV subscription to watch it this way. The easiest way for cord-cutters to see it all is to sign up for a live-TV streaming service, including: Hulu+Live TV Fubo Sling TV YouTube TV. The entire series will be broadcast across ESPN and ABC. Below is the full WNBA finals schedule, per the WNBA’s website. If one team dominates the first four games, the last three could be unnecessary. Game 1: Mercury at Aces (Friday, Oct. 3, 8 ET, ESPN) Game 2: Mercury at Aces (Sunday, Oct. 5, 3 ET, ABC) Game 3: Aces at Mercury (Wednesday, Oct. 8, 8 ET, ESPN) Game 4: Aces at Mercury (Friday, Oct. 10, 8 ET, ESPN) Game 5: Mercury at Aces (Sunday, Oct. 12, 3 ET, ABC) Game 6: Aces at Mercury (Wednesday, Oct. 15, 8 ET, ESPN) Game 7: Mercury at Aces (Friday, Oct. 17, 8 ET, ESPN) View the full article

Did you know you can customize Google to filter out garbage? Take these steps for better search results, including adding my work at Lifehacker as a preferred source. Much has been said about Comet, Perplexity's web browser, not just because of its AI features, but also because of its paywall. Early access was initially reserved to a waitlist of Perplexity Max users, a subscription that costs $200 per month, before Perplexity opened up access to Perplexity Pro users, who only need to pay $20 per month. Still, seeing as most web browsers are free to use, I imagine most people still shied away from trying Comet because of the price. If that sounds like you, there's good news. On Friday, Perplexity made Comet available to anyone who wants to try it for free. You don't need to subscribe to any Perplexity plan, nor do you even need a Perplexity account—though the company has some features tied to those who sign in. Comet is built on Chromium, so if you're coming from Chrome, or another Chromium browser like Edge, you'll be able to jump right in. Installing Comet is as easy as any other web browser: just head to Perplexity's website, and choose "Download Comet." Even setting up the browser feels familiar, as you can import another Chrome profile, choose a profile pic, and set a name. But of course, the real advertised advantage here is the AI assistant. Like other AI-powered browsers, Comet has a built-in chatbot you can talk to about whatever it is you want—particularly the web pages you happen to be browsing. But Comet's AI is agentic, which means you can ask the AI to do things for you. If you ask it to take you to a specific website, it will (though I'm not sure that's any faster than simply typing in the site by hand). If you ask it to open a specific link on the page, you can see the bot take over the page, and choose the URL you asked for. For example, I asked the assistant to open Lifehacker, then asked it to click on our article "How to Browse the Dark Web." It did both of these things, and even offered a summary of the dark web piece. But Perplexity says you can also request more complex tasks: According to the company, the assistant can draft emails on your behalf, build websites, make purchases, create citations, add to your calendar. There's even a voice mode, as with other AI bots like ChatGPT or Gemini, so you can talk to the browser if you want to. I'm still not sold on the idea that injecting agentic AI into my web browser is what I need to better experience the internet. Maybe I need to spend some time with Comet to experience that "future." But seeing how often the tech still makes mistakes—not the mention the untapped security risks—I'm not sure I want to hand off all of my browsing tasks to AI just yet. Still, if you're interested, you can give it a go without spending a dime. View the full article

Mobile landing pages convert 8% worse than desktop despite 83% traffic share. New data reveals how simple fixes recover lost conversions. The post New Report Reveals An 8% Mobile Landing Page Conversion Gap appeared first on Search Engine Journal. View the full article

It’s the Friday open thread! The comment section on this post is open for discussion with other readers on any work-related questions that you want to talk about (that includes school). If you want an answer from me, emailing me is still your best bet*, but this is a chance to take your questions to other readers. * If you submitted a question to me recently, please do not repost it here, as it may be in my queue to answer. The post open thread – October 3, 2025 appeared first on Ask a Manager. View the full article

The ongoing government shutdown prevented the Bureau of Labor Statistics from releasing its September jobs report Friday, but job growth appears to be softening. The lack of reliable government data comes as the Federal Reserve mulls further interest rate cuts. View the full article

U.S. technology company Nvidia and Fujitsu, a Japanese telecommunications and computer maker, agreed Friday to work together on artificial intelligence to deliver smart robots and a variety of other innovations using Nvidia’s computer chips. “The AI industrial revolution has already begun. Building the infrastructure to power it is essential in Japan and around the world,” Nvidia Chief Executive Jensen Huang said, hugging his Fujitsu counterpart Takahito Tokita on stage. “Japan can lead the world in AI and robotics,” Huang told reporters at a Tokyo hotel. The companies will work together on building what they called “an AI infrastructure,” or the system on which the various futuristic AI uses will be based, including health care, manufacturing, the environment, next-generation computing and customer services. The hope is to establish that AI infrastructure for Japan by 2030. It initially will be tailored for the Japanese market, leveraging Fujitsu’s decades-long experience here, but may later expand globally, and will utilize Nvidia’s GPUs, or graphics processing units, which are essential for AI, according to both sides. The two executives did not outline specific projects or give a monetary figure for planned investments. But exploring a collaboration in AI for robots with Yaskawa Electric Corp., a Japanese machinery and robot maker, was noted as a possible example. AI will be constantly evolving and learning, they said. Fujitsu and Nvidia have been working together on AI, speeding up manufacturing with digital twins and robotics to tackle aging Japan’s labor shortages. Tokita said the companies were taking a “humancentric” approach aimed at keeping Japan competitive. “Through our collaboration with Nvidia, we aim to create new, unprecedented technologies and contribute to solving even more serious social issues,” said Tokita. Yuri Kageyama is on Threads: https://www.threads.com/@yurikageyama —Yuri Kageyama, AP Business Writer View the full article

US president warns militant group that ‘all HELL . . . will break out’ if it does not sign up to his dealView the full article

Even without the marquee data from the Bureau of Labor Statistics — which won't be published on Friday due to the government shutdown — a number of private-sector indicators out in recent days pointed to sluggish hiring, limited layoffs, modest pay gains and easing demand for workers in September. View the full article

For small businesses engaged in international trade, the speed of transactions often makes the difference between smooth operations and stalled cash flow. Visa has taken a noteworthy step towards enhancing this aspect with the introduction of a new stablecoin prefunding pilot through Visa Direct. Announced at SIBOS 2025, this initiative aims to revolutionize cross-border payments, improving both efficiency and flexibility for businesses of all sizes. Chris Newkirk, President of Visa’s Commercial & Money Movement Solutions, emphasized the urgency of this upgrade. “Cross-border payments have been stuck in outdated systems for far too long,” he stated. This new pilot not only promises quicker transactions but also unlocks liquidity, making it particularly beneficial for small businesses navigating the complexities of international payments. The introduction of stablecoin prefunding directly addresses longstanding issues in cross-border payments, including high costs and delays. For decades, businesses have had to “park” large amounts of capital in traditional fiat currencies before making payments, tying up resources that could otherwise be utilized for growth. Key Benefits Unlocked Liquidity: By allowing businesses to prefund Visa Direct with stablecoins, companies can avoid the burdensome practice of holding substantial fiat balances in advance. This shift will keep capital active while still ensuring that necessary payouts are managed efficiently. Modernized Treasury Operations: Through this accelerated system, businesses can settle payments within minutes rather than waiting days. This acceleration enables more responsive liquidity management, a crucial factor in today’s fast-paced markets. Reduced Volatility: Stablecoins offer a stable settlement layer, minimizing exposure to the fluctuations often seen in local currencies. This aspect is particularly relevant for small businesses that might not have the financial bandwidth to hedge against currency risk. Practical Applications The pilot scheme will primarily cater to banks, remitters, and financial institutions. However, small business owners can also benefit indirectly. A more streamlined process often leads to faster transaction times and potentially lower fees, translating to cost savings for business owners needing to send payments across borders. When conducting international business, smaller enterprises often deal with multiple currencies, each with its own unique hurdles. The predictability offered by stablecoin transactions can help reduce the complexities associated with currency conversion fees and waiting periods before funds are available. It’s important to note that while the payouts can be prefunded in stablecoins, recipients will still receive their payments in local currencies. This maintains the traditional structure of international transactions while enhancing the back-end efficiency. Potential Challenges While the prospect of using stablecoins for prefunding offers multiple advantages, small business owners should proceed with caution. The pilot is currently limited to select partners, suggesting that not every business will be immediately eligible for these benefits. Expectations should be managed as Visa plans to expand the initiative over the coming years. Furthermore, although stablecoins aim to provide stability, their acceptance and regulatory environment can vary significantly depending on the jurisdiction. Small business owners may need to stay updated on local regulations concerning cryptocurrency transactions to avoid potential legal pitfalls. The digital landscape is evolving rapidly, and keeping pace with these changes will require diligence. Small business owners will benefit from thorough research and possibly engaging financial advisors familiar with the implications of adopting stablecoins in their payment processes. Visa’s initiative is set to potentially reshape how small businesses manage international payments, lending them the agility needed in a globally competitive market. More information regarding Visa’s new stablecoin pilot can be found in their official press release here. As financial technologies continue to evolve, small business owners would do well to stay informed and prepared for these changes, ensuring they leverage the tools that can drive efficiency and growth in their operations. Image via Envato This article, "Visa Direct Unveils Stablecoin Pilot for Instant Global Payments" was first published on Small Business Trends View the full article

For small businesses engaged in international trade, the speed of transactions often makes the difference between smooth operations and stalled cash flow. Visa has taken a noteworthy step towards enhancing this aspect with the introduction of a new stablecoin prefunding pilot through Visa Direct. Announced at SIBOS 2025, this initiative aims to revolutionize cross-border payments, improving both efficiency and flexibility for businesses of all sizes. Chris Newkirk, President of Visa’s Commercial & Money Movement Solutions, emphasized the urgency of this upgrade. “Cross-border payments have been stuck in outdated systems for far too long,” he stated. This new pilot not only promises quicker transactions but also unlocks liquidity, making it particularly beneficial for small businesses navigating the complexities of international payments. The introduction of stablecoin prefunding directly addresses longstanding issues in cross-border payments, including high costs and delays. For decades, businesses have had to “park” large amounts of capital in traditional fiat currencies before making payments, tying up resources that could otherwise be utilized for growth. Key Benefits Unlocked Liquidity: By allowing businesses to prefund Visa Direct with stablecoins, companies can avoid the burdensome practice of holding substantial fiat balances in advance. This shift will keep capital active while still ensuring that necessary payouts are managed efficiently. Modernized Treasury Operations: Through this accelerated system, businesses can settle payments within minutes rather than waiting days. This acceleration enables more responsive liquidity management, a crucial factor in today’s fast-paced markets. Reduced Volatility: Stablecoins offer a stable settlement layer, minimizing exposure to the fluctuations often seen in local currencies. This aspect is particularly relevant for small businesses that might not have the financial bandwidth to hedge against currency risk. Practical Applications The pilot scheme will primarily cater to banks, remitters, and financial institutions. However, small business owners can also benefit indirectly. A more streamlined process often leads to faster transaction times and potentially lower fees, translating to cost savings for business owners needing to send payments across borders. When conducting international business, smaller enterprises often deal with multiple currencies, each with its own unique hurdles. The predictability offered by stablecoin transactions can help reduce the complexities associated with currency conversion fees and waiting periods before funds are available. It’s important to note that while the payouts can be prefunded in stablecoins, recipients will still receive their payments in local currencies. This maintains the traditional structure of international transactions while enhancing the back-end efficiency. Potential Challenges While the prospect of using stablecoins for prefunding offers multiple advantages, small business owners should proceed with caution. The pilot is currently limited to select partners, suggesting that not every business will be immediately eligible for these benefits. Expectations should be managed as Visa plans to expand the initiative over the coming years. Furthermore, although stablecoins aim to provide stability, their acceptance and regulatory environment can vary significantly depending on the jurisdiction. Small business owners may need to stay updated on local regulations concerning cryptocurrency transactions to avoid potential legal pitfalls. The digital landscape is evolving rapidly, and keeping pace with these changes will require diligence. Small business owners will benefit from thorough research and possibly engaging financial advisors familiar with the implications of adopting stablecoins in their payment processes. Visa’s initiative is set to potentially reshape how small businesses manage international payments, lending them the agility needed in a globally competitive market. More information regarding Visa’s new stablecoin pilot can be found in their official press release here. As financial technologies continue to evolve, small business owners would do well to stay informed and prepared for these changes, ensuring they leverage the tools that can drive efficiency and growth in their operations. Image via Envato This article, "Visa Direct Unveils Stablecoin Pilot for Instant Global Payments" was first published on Small Business Trends View the full article