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The president said he would consult with the heads of Treasury, the Commerce Department and the Federal Housing Finance Agency he comes to a decision. View the full article

Key Takeaways Understand Market Demand: Grasp the significance of growing consumer preferences for convenience and speed in delivery services, and identify your target audience to carve out your niche. Choose Your Delivery Model: Evaluate various types of delivery services (e.g., food, e-commerce, grocery) and select a model that aligns with market demand and your business vision. Create a Solid Business Plan: Develop a comprehensive business plan covering your goals, market analysis, operations, marketing strategies, and financial projections to ensure a structured approach to launching your business. Comply with Legal Requirements: Familiarize yourself with the necessary permits, licenses, and insurance to operate legally, safeguarding your business against potential legal complications. Invest in Technology and Equipment: Equip your delivery business with reliable vehicles and effective routing software to streamline operations and enhance customer service. Focus on Marketing and Customer Relationships: Implement strategic branding and digital marketing efforts to increase visibility while nurturing strong relationships with customers to foster loyalty and repeat business. Starting a delivery business can be an exciting venture that taps into the growing demand for convenience. With more people relying on delivery services for everything from groceries to takeout, you have a unique opportunity to carve out your niche in this booming market. Whether you’re looking to run a small local operation or expand into a larger enterprise, the right strategies can set you up for success. In this guide, you’ll discover essential steps to launch your delivery business, from identifying your target market to managing logistics. With the right approach, you can not only meet customer needs but also build a sustainable and profitable business. Get ready to dive into the world of delivery services and turn your entrepreneurial dreams into reality. Understanding the Delivery Business Starting a delivery business involves knowing the different types of services available and recognizing market demand and trends. This understanding will help you make informed decisions as you develop your business plan. Types of Delivery Services You can choose from various types of delivery services to fit your target audience and business model. Common options include: Food Delivery Services: Partner with local restaurants to deliver meals. This service often requires a user-friendly website or app for customer ordering. E-commerce Delivery: Work with online retailers to deliver products directly to consumers. Pay attention to logistics and packaging to ensure timely and safe deliveries. Grocery Delivery: Collaborate with grocery stores to deliver fresh produce and pantry items. Building strong relationships with local stores enhances your service offerings. Same-Day Delivery: Focus on quick delivery for various goods where time-sensitive options are crucial. This model can attract customers willing to pay a premium for speed. Freight and Logistics: Provide larger-scale delivery services for businesses requiring transport of heavy goods. This venture may demand a different legal structure, such as an LLC or corporation. Understanding these types will allow you to tailor your offerings and plan for customer acquisition strategies effectively. Market Demand and Trends Market demand for delivery services is consistently growing, driven by consumer preferences for convenience and speed. Key trends to consider include: Increased Online Shopping: E-commerce growth continues to rise, creating more demand for fast delivery solutions. Keeping up with this trend is vital for your startup. Subscription Services: Many companies offer subscription-based models, providing regular deliveries of products. This model ensures recurring revenue, enhancing cash flow management. Contactless Delivery: The preference for contactless interactions has become essential, especially post-pandemic. Implementing safety measures can improve customer trust. Sustainability: Eco-friendly delivery options are increasingly attracting attention. Adopting sustainable practices not only appeals to consumers but can also boost your branding and marketing efforts. Being aware of these market demands allows you to innovate your business strategies and adapt to changing consumer behaviors, setting a solid foundation for your small business journey. Steps to Start a Delivery Business Starting a delivery business requires careful planning and execution. You’ll navigate essential steps, from developing a business plan to securing necessary permits. Developing a Business Plan Create a comprehensive business plan that outlines your goals, market research, and target audience. This plan should include: Executive Summary: A concise overview of your business idea. Company Description: Details about the services you offer and your value proposition. Market Analysis: Insights into your target market, competitors, and industry trends. Marketing Strategy: Clear approaches to customer acquisition and branding. Operational Plan: Logistics, delivery processes, and team structure. Financial Plan: Budgeting, funding options, and projections for cash flow and profit margins. Focusing on these elements fosters a well-thought-out startup and sets the foundation for scalability and growth. Legal Requirements and Permits Understand the legal aspects of launching your delivery business. Select a legal structure that suits your needs, such as an LLC or sole proprietorship. Each option has different implications for taxes, liability, and compliance. Business Registration: Obtain the necessary licenses and register your business name. Permits: Check local requirements for delivery services, which may include health permits for food delivery or specific transportation permits. Insurance: Protect your business with liability insurance, covering potential accidents during deliveries. Consulting with legal advisors ensures compliance and helps navigate regulations effectively, which is crucial for avoiding future legal complications. Setting Up Your Delivery Operations Setting up your delivery operations requires careful planning and strategic choices. Focus on defining your niche, understanding your target audience, and aligning your services with market demand. Choosing a Delivery Model Select a delivery model that fits your business idea and target audience. Consider options such as: Food Delivery: Concentrate on meals from local restaurants or meal kits. Grocery Shipments: Partner with grocery stores to provide convenience for busy households. Package Delivery: Focus on fast and reliable transport for e-commerce businesses. Specialized Delivery: Cater to specific needs, like medical supplies or fragile items. Each model requires a tailored business plan that defines your approach to customer acquisition, service offerings, pricing strategies, and logistics. Equipment and Technology Needs Identify the essential equipment and technology to streamline your operations. Key components include: Vehicles: Invest in reliable transportation suited for the delivery service. Routing Software: Use advanced tools to optimize delivery routes, reducing time and fuel costs. Communication Tools: Utilize platforms for real-time updates with customers and team members for efficient customer service. Website and E-Commerce Solutions: Develop an online presence to enhance your brand visibility and enable customer engagement. Prioritize these needs according to your business plan to ensure scalability and adaptability in your delivery operations. Marketing Your Delivery Business Marketing your delivery business effectively increases visibility and customer acquisition. Using strategic branding and promotion can set you apart in a competitive landscape. Branding and Promotion Strategies Establish strong branding that reflects your business identity. Focus on creating a memorable logo and consistent messaging across all channels. Utilize digital marketing tactics, such as SEO and social media, to reach your target audience. Develop a marketing plan that outlines objectives, methodologies, and performance metrics. Consider leveraging email marketing to establish direct communication with customers, providing them with updates, promotions, and tailored offers. Engaging content marketing can also boost your online presence, making your brand more relatable. Partner with local businesses to promote your services, creating collaborations that benefit both parties. Building Customer Relationships Building strong customer relationships is essential for long-term success. Engage with customers regularly through various platforms, addressing concerns promptly to enhance customer service. Implement a loyalty program to reward repeat customers, encouraging them to return. Collect customer feedback to refine your offerings and demonstrate that you value their opinions. Additionally, personalize your communication to foster a sense of connection, making customers feel appreciated and understood. Effective customer relationship management can lead to higher customer retention rates and increased sales, ultimately contributing to the growth strategy of your delivery business. Financial Considerations Financial considerations play a vital role in starting a successful delivery business. Understanding costs, pricing strategies, and funding options helps sustain your venture in the competitive market. Initial Investment and Costs Initial investment costs significantly impact your delivery business’s financial planning. Key expenses include: Equipment and Vehicles: Depending on your delivery model, you may need vehicles like vans or trucks. Assess fuel efficiency and maintenance costs to optimize your budget. Licensing and Permits: Secure necessary permits and licenses to operate legally. These vary based on your location and business structure, be it an LLC, corporation, or sole proprietorship. Insurance: Obtain insurance policies to protect your assets and cover liability. Options may include general liability, vehicle insurance, and other relevant coverage. Technology: Invest in routing software, communication tools, and e-commerce platforms to streamline operations and enhance customer experience. Marketing: Allocate funds for digital marketing efforts, such as social media campaigns and SEO strategies, to grow your customer base. Pricing Your Services Setting competitive prices is crucial in attracting customers and maintaining profitability. Consider these factors: Market Research: Analyze competitor pricing to determine your service rates. Understanding your target audience’s willingness to pay informs effective pricing strategies. Cost-Plus Pricing: Calculate your total operational costs, then add a profit margin to establish your prices. This method ensures that all expenses are covered. Value-Based Pricing: Price your services based on the perceived value to customers. Highlight unique aspects of your delivery services that differentiate you in the market. Dynamic Pricing: Adjust your prices based on demand fluctuations or special promotions. This strategy can drive customer acquisition during peak times. Discounts and Loyalty Programs: Implement discounts for first-time customers and loyalty programs to encourage repeat business, significantly impacting long-term profitability. Thorough financial planning and pricing strategies position you for success as an entrepreneur in the delivery business landscape. Conclusion Starting a delivery business can be a rewarding venture if you approach it with the right mindset and strategies. By understanding your target market and aligning your services with consumer needs, you can carve out a niche that stands out in a crowded marketplace. Effective planning and execution are crucial for your success. Make sure to focus on building strong customer relationships and implementing innovative marketing strategies to increase your visibility. With careful attention to financial management and operational efficiency, you’ll be well on your way to establishing a thriving delivery business that meets the growing demand for convenience and reliability. Embrace the journey and watch your entrepreneurial dreams come to life. Frequently Asked Questions What are the key steps to start a delivery business? To start a delivery business, first develop a comprehensive business plan that outlines your market analysis, marketing strategy, operational plan, and financial plan. Next, ensure you meet legal requirements by obtaining necessary licenses and permits. Then, set up your delivery operations, choose your niche, and invest in essential equipment and technology. Finally, focus on effective marketing strategies to attract customers and establish strong brand visibility. What types of delivery services can I offer? You can offer a variety of delivery services, including food delivery, e-commerce package delivery, grocery deliveries, same-day delivery, and freight logistics. Each service caters to specific target audiences and requires a tailored business model to meet the unique needs of those customers. How do I select my target market for a delivery business? Identifying your target market involves conducting market research to understand customer demographics, needs, and preferences. Analyze local demand, competition, and trends in delivery services to determine which niche aligns with your strengths and market opportunities, enabling you to serve your audience effectively. What are the legal requirements for starting a delivery business? Legal requirements vary by location, but generally include selecting a legal structure (llc, sole proprietorship, etc.), obtaining necessary business licenses, and securing insurance. Consulting with a legal advisor can help ensure compliance with local regulations and prevent future legal issues. How important is marketing for a delivery business? Marketing is crucial for attracting customers and building brand awareness. Utilizing digital marketing tactics, including SEO, social media, and content marketing, can help increase your visibility. Developing a solid marketing plan with clear objectives is essential for long-term customer engagement and business growth. What financial considerations should I keep in mind? When starting a delivery business, consider initial investment costs, such as equipment, licensing, insurance, technology, and marketing. Perform market research to set competitive pricing and explore pricing strategies like dynamic pricing and discounts to effectively manage your financials and maximize profitability. How can I build customer relationships in my delivery business? Building customer relationships is vital for customer retention. Engage with your customers through personalized communication, implement loyalty programs, and seek feedback to improve services. Creating a community around your brand and ensuring excellent customer service can enhance long-term customer loyalty. Image Via Envato This article, "Mastering How to Start a Delivery Business for Success and Growth" was first published on Small Business Trends View the full article

Key Takeaways Understand Market Demand: Grasp the significance of growing consumer preferences for convenience and speed in delivery services, and identify your target audience to carve out your niche. Choose Your Delivery Model: Evaluate various types of delivery services (e.g., food, e-commerce, grocery) and select a model that aligns with market demand and your business vision. Create a Solid Business Plan: Develop a comprehensive business plan covering your goals, market analysis, operations, marketing strategies, and financial projections to ensure a structured approach to launching your business. Comply with Legal Requirements: Familiarize yourself with the necessary permits, licenses, and insurance to operate legally, safeguarding your business against potential legal complications. Invest in Technology and Equipment: Equip your delivery business with reliable vehicles and effective routing software to streamline operations and enhance customer service. Focus on Marketing and Customer Relationships: Implement strategic branding and digital marketing efforts to increase visibility while nurturing strong relationships with customers to foster loyalty and repeat business. Starting a delivery business can be an exciting venture that taps into the growing demand for convenience. With more people relying on delivery services for everything from groceries to takeout, you have a unique opportunity to carve out your niche in this booming market. Whether you’re looking to run a small local operation or expand into a larger enterprise, the right strategies can set you up for success. In this guide, you’ll discover essential steps to launch your delivery business, from identifying your target market to managing logistics. With the right approach, you can not only meet customer needs but also build a sustainable and profitable business. Get ready to dive into the world of delivery services and turn your entrepreneurial dreams into reality. Understanding the Delivery Business Starting a delivery business involves knowing the different types of services available and recognizing market demand and trends. This understanding will help you make informed decisions as you develop your business plan. Types of Delivery Services You can choose from various types of delivery services to fit your target audience and business model. Common options include: Food Delivery Services: Partner with local restaurants to deliver meals. This service often requires a user-friendly website or app for customer ordering. E-commerce Delivery: Work with online retailers to deliver products directly to consumers. Pay attention to logistics and packaging to ensure timely and safe deliveries. Grocery Delivery: Collaborate with grocery stores to deliver fresh produce and pantry items. Building strong relationships with local stores enhances your service offerings. Same-Day Delivery: Focus on quick delivery for various goods where time-sensitive options are crucial. This model can attract customers willing to pay a premium for speed. Freight and Logistics: Provide larger-scale delivery services for businesses requiring transport of heavy goods. This venture may demand a different legal structure, such as an LLC or corporation. Understanding these types will allow you to tailor your offerings and plan for customer acquisition strategies effectively. Market Demand and Trends Market demand for delivery services is consistently growing, driven by consumer preferences for convenience and speed. Key trends to consider include: Increased Online Shopping: E-commerce growth continues to rise, creating more demand for fast delivery solutions. Keeping up with this trend is vital for your startup. Subscription Services: Many companies offer subscription-based models, providing regular deliveries of products. This model ensures recurring revenue, enhancing cash flow management. Contactless Delivery: The preference for contactless interactions has become essential, especially post-pandemic. Implementing safety measures can improve customer trust. Sustainability: Eco-friendly delivery options are increasingly attracting attention. Adopting sustainable practices not only appeals to consumers but can also boost your branding and marketing efforts. Being aware of these market demands allows you to innovate your business strategies and adapt to changing consumer behaviors, setting a solid foundation for your small business journey. Steps to Start a Delivery Business Starting a delivery business requires careful planning and execution. You’ll navigate essential steps, from developing a business plan to securing necessary permits. Developing a Business Plan Create a comprehensive business plan that outlines your goals, market research, and target audience. This plan should include: Executive Summary: A concise overview of your business idea. Company Description: Details about the services you offer and your value proposition. Market Analysis: Insights into your target market, competitors, and industry trends. Marketing Strategy: Clear approaches to customer acquisition and branding. Operational Plan: Logistics, delivery processes, and team structure. Financial Plan: Budgeting, funding options, and projections for cash flow and profit margins. Focusing on these elements fosters a well-thought-out startup and sets the foundation for scalability and growth. Legal Requirements and Permits Understand the legal aspects of launching your delivery business. Select a legal structure that suits your needs, such as an LLC or sole proprietorship. Each option has different implications for taxes, liability, and compliance. Business Registration: Obtain the necessary licenses and register your business name. Permits: Check local requirements for delivery services, which may include health permits for food delivery or specific transportation permits. Insurance: Protect your business with liability insurance, covering potential accidents during deliveries. Consulting with legal advisors ensures compliance and helps navigate regulations effectively, which is crucial for avoiding future legal complications. Setting Up Your Delivery Operations Setting up your delivery operations requires careful planning and strategic choices. Focus on defining your niche, understanding your target audience, and aligning your services with market demand. Choosing a Delivery Model Select a delivery model that fits your business idea and target audience. Consider options such as: Food Delivery: Concentrate on meals from local restaurants or meal kits. Grocery Shipments: Partner with grocery stores to provide convenience for busy households. Package Delivery: Focus on fast and reliable transport for e-commerce businesses. Specialized Delivery: Cater to specific needs, like medical supplies or fragile items. Each model requires a tailored business plan that defines your approach to customer acquisition, service offerings, pricing strategies, and logistics. Equipment and Technology Needs Identify the essential equipment and technology to streamline your operations. Key components include: Vehicles: Invest in reliable transportation suited for the delivery service. Routing Software: Use advanced tools to optimize delivery routes, reducing time and fuel costs. Communication Tools: Utilize platforms for real-time updates with customers and team members for efficient customer service. Website and E-Commerce Solutions: Develop an online presence to enhance your brand visibility and enable customer engagement. Prioritize these needs according to your business plan to ensure scalability and adaptability in your delivery operations. Marketing Your Delivery Business Marketing your delivery business effectively increases visibility and customer acquisition. Using strategic branding and promotion can set you apart in a competitive landscape. Branding and Promotion Strategies Establish strong branding that reflects your business identity. Focus on creating a memorable logo and consistent messaging across all channels. Utilize digital marketing tactics, such as SEO and social media, to reach your target audience. Develop a marketing plan that outlines objectives, methodologies, and performance metrics. Consider leveraging email marketing to establish direct communication with customers, providing them with updates, promotions, and tailored offers. Engaging content marketing can also boost your online presence, making your brand more relatable. Partner with local businesses to promote your services, creating collaborations that benefit both parties. Building Customer Relationships Building strong customer relationships is essential for long-term success. Engage with customers regularly through various platforms, addressing concerns promptly to enhance customer service. Implement a loyalty program to reward repeat customers, encouraging them to return. Collect customer feedback to refine your offerings and demonstrate that you value their opinions. Additionally, personalize your communication to foster a sense of connection, making customers feel appreciated and understood. Effective customer relationship management can lead to higher customer retention rates and increased sales, ultimately contributing to the growth strategy of your delivery business. Financial Considerations Financial considerations play a vital role in starting a successful delivery business. Understanding costs, pricing strategies, and funding options helps sustain your venture in the competitive market. Initial Investment and Costs Initial investment costs significantly impact your delivery business’s financial planning. Key expenses include: Equipment and Vehicles: Depending on your delivery model, you may need vehicles like vans or trucks. Assess fuel efficiency and maintenance costs to optimize your budget. Licensing and Permits: Secure necessary permits and licenses to operate legally. These vary based on your location and business structure, be it an LLC, corporation, or sole proprietorship. Insurance: Obtain insurance policies to protect your assets and cover liability. Options may include general liability, vehicle insurance, and other relevant coverage. Technology: Invest in routing software, communication tools, and e-commerce platforms to streamline operations and enhance customer experience. Marketing: Allocate funds for digital marketing efforts, such as social media campaigns and SEO strategies, to grow your customer base. Pricing Your Services Setting competitive prices is crucial in attracting customers and maintaining profitability. Consider these factors: Market Research: Analyze competitor pricing to determine your service rates. Understanding your target audience’s willingness to pay informs effective pricing strategies. Cost-Plus Pricing: Calculate your total operational costs, then add a profit margin to establish your prices. This method ensures that all expenses are covered. Value-Based Pricing: Price your services based on the perceived value to customers. Highlight unique aspects of your delivery services that differentiate you in the market. Dynamic Pricing: Adjust your prices based on demand fluctuations or special promotions. This strategy can drive customer acquisition during peak times. Discounts and Loyalty Programs: Implement discounts for first-time customers and loyalty programs to encourage repeat business, significantly impacting long-term profitability. Thorough financial planning and pricing strategies position you for success as an entrepreneur in the delivery business landscape. Conclusion Starting a delivery business can be a rewarding venture if you approach it with the right mindset and strategies. By understanding your target market and aligning your services with consumer needs, you can carve out a niche that stands out in a crowded marketplace. Effective planning and execution are crucial for your success. Make sure to focus on building strong customer relationships and implementing innovative marketing strategies to increase your visibility. With careful attention to financial management and operational efficiency, you’ll be well on your way to establishing a thriving delivery business that meets the growing demand for convenience and reliability. Embrace the journey and watch your entrepreneurial dreams come to life. Frequently Asked Questions What are the key steps to start a delivery business? To start a delivery business, first develop a comprehensive business plan that outlines your market analysis, marketing strategy, operational plan, and financial plan. Next, ensure you meet legal requirements by obtaining necessary licenses and permits. Then, set up your delivery operations, choose your niche, and invest in essential equipment and technology. Finally, focus on effective marketing strategies to attract customers and establish strong brand visibility. What types of delivery services can I offer? You can offer a variety of delivery services, including food delivery, e-commerce package delivery, grocery deliveries, same-day delivery, and freight logistics. Each service caters to specific target audiences and requires a tailored business model to meet the unique needs of those customers. How do I select my target market for a delivery business? Identifying your target market involves conducting market research to understand customer demographics, needs, and preferences. Analyze local demand, competition, and trends in delivery services to determine which niche aligns with your strengths and market opportunities, enabling you to serve your audience effectively. What are the legal requirements for starting a delivery business? Legal requirements vary by location, but generally include selecting a legal structure (llc, sole proprietorship, etc.), obtaining necessary business licenses, and securing insurance. Consulting with a legal advisor can help ensure compliance with local regulations and prevent future legal issues. How important is marketing for a delivery business? Marketing is crucial for attracting customers and building brand awareness. Utilizing digital marketing tactics, including SEO, social media, and content marketing, can help increase your visibility. Developing a solid marketing plan with clear objectives is essential for long-term customer engagement and business growth. What financial considerations should I keep in mind? When starting a delivery business, consider initial investment costs, such as equipment, licensing, insurance, technology, and marketing. Perform market research to set competitive pricing and explore pricing strategies like dynamic pricing and discounts to effectively manage your financials and maximize profitability. How can I build customer relationships in my delivery business? Building customer relationships is vital for customer retention. Engage with your customers through personalized communication, implement loyalty programs, and seek feedback to improve services. Creating a community around your brand and ensuring excellent customer service can enhance long-term customer loyalty. Image Via Envato This article, "Mastering How to Start a Delivery Business for Success and Growth" was first published on Small Business Trends View the full article

People keep telling me that big agencies are the future—that you need massive scale, deep pockets, and cutting-edge tech to survive. But after 25 years in this business, I’ve seen firsthand that raw creativity and genuine curiosity still drive the best work. Sure, some folks think enterprise platforms and huge teams are the answer. I believe the future belongs to nimble agencies that can pivot quickly and bring fresh ideas to the table. The old “bigger is better” mindset is shifting. These days, brands want partners who truly get them and bring something distinctive to their work, and that’s where independent agencies shine. Why brands go independent At MOCEAN, we’ve taken our entertainment background and applied that cinematic storytelling to everything from gaming to pharmatech. When The Cheesecake Factory came to us, we threw out the standard restaurant advertising playbook and created something more narrative-driven and alive. Look around. You’ll see that brands are increasingly turning to indies for work that cuts through the noise. Tubi and Coors Light are making waves with bold, irreverent social campaigns. NBA and Beats by Dre are connecting across generations through culturally-authentic creative. Chipotle and American Express are proving that social-first thinking drives both emotional connection and business results. None of these came from holding companies—they’re all independent work. Having a specific focus isn’t limiting, it’s liberating. It leads to deeper insights and work that actually resonates. Today’s clients need to move at lightning speed, stretch their budgets further, and stay culturally relevant in an ever-changing landscape. That’s exactly what independent agencies do best. Our flat structure means fewer hoops to jump through. Ideas move from concept to execution faster, with real collaboration along the way. While big agencies might take months to launch a campaign, independent shops like ours deliver in weeks. Thriving talent means more innovation Real innovation happens at small, independent shops. Top talent wants to make meaningful work. They want their ideas to see the light of day, not get lost in layers of approval. That energy is contagious. Yes, holding companies have resources. But independents aren’t trying to be them; we’re blazing our own trail. We’re testing new tools, solving real problems, and building teams that genuinely care about doing great work. I see it at MOCEAN all the time. Some of our most innovative AI applications have come from individuals just experimenting on their own. When people feel truly empowered, creativity flourishes. The role of technology We’re embracing AI, but thoughtfully, as a tool to enhance our work, not replace human creativity. We use platforms like Midjourney and ChatGPT to streamline presentations, rough out concepts, and rapidly iterate on ideas. Some partners are still figuring out their AI comfort zone, which we completely respect. Meanwhile, we’re building expertise where it makes sense, so we’re ready to lead when the time comes. Creative businesses will always need human insight and creative instinct. Independent agencies get that, and we protect space for it. Clients see the difference. So does talent. More creatives are leaving big agencies for smaller, more passionate teams—places where the work matters more than office politics and results speak louder than processes. Our strength comes from staying adaptable, staying curious, and putting partnership before process. Twenty-five years in and I’ve never been more excited about what’s ahead. Creativity still wins. Curiosity still wins. And people still want to do work that moves them. Michael McIntyre is CEO of MOCEAN. View the full article

HOW do people learn? Simply put, when the reality does not meet the expectation. When we make mistakes. When we fail. And when we learn from those mistakes, we learn not only the correct way to go, but we gain a deeper understanding of the issue and thus are able to more easily apply it to similar situations. In other words, if we try to solve the problem before we are told how to do it, we learn better. Manu Kapur wrote Productive Failure with this in mind. “The idea of Productive Failure is to be proactive; that is, if failure is so powerful for learning, then we should not wait for it to happen. We should intentionally design for it for deep learning.” Kapur began his career as a math teacher. He thought “if he could engage his students, explain the concepts as clearly as possible, then show them, step-by-step, exactly what to do and how to do it, he’d achieve transformational results.” This is the direct instruction method that we are all accustomed to—the teacher lectures, we practice, and we learn. It feels right. It feels logical. However, the problem with the direct instruction method is that while we feel we’ve learned, our understanding is often largely superficial. “The problem was not that we learn poorly from bad lectures, but rather that we learn poorly from excellent ones. Not learning well from bad lectures is understandable and explainable. Not learning well from good lectures is perplexing, even shocking.” The solution to the paradox lies in realizing that the first job of teaching is actually not to teach. The first job of teaching is to prepare the novice to see with an expert’s eyes. The bottom line: when learning something new, it is much too easy to find the path of least resistance. It is most natural to seek the easy way out. However, my research on Productive Failure shows that making learning does not always ease learning. If not intentionally designed to leverage failure in the initial stages, learning tends to be shallow and inflexible. But with it, learning is deep, flexible, and adaptive. Productive Failure suggests that making initial learning more difficult and challenging, where you may struggle and even fail to solve a problem or perform a task, can be beneficial for learning. In contrast to Direct Instruction, Discovery Learning asks the learner to figure out how to apply their existing knowledge to the problem first. “Discovery Learning emphasizes active engagement and self-exploration as the primary drivers of acquiring new knowledge.” Discover Learning asks you to transfer your existing knowledge to new contexts. Activating prior knowledge helps us to make sense of new information. It develops curiosity and open-mindedness. This kind of learning is the most valuable in dynamic and uncertain environments, and what we need more of in people at all levels. “Struggling a bit with the problem helps you learn better than if someone just explains the answers. Before we can repair or resolve our misconceptions or failures, we need to become aware of them in the first place.” An awareness of all we do not know is the beginning of knowledge and wisdom. The gap between what we know and what we don’t know sets us up to learn. So, how do we use this? As in teaching, as leaders and mentors, we can learn from this: “We are quick to see what is wrong in students’ answers and reasoning. We are quick to zone in on that which is incorrect, so that we can quickly and robustly correct it. What we are not good at is analyzing students’ incorrect answers to see if there are elements in those answers, bits and pieces, and components, that could be used as building blocks for helping them learn the correct concept.” What is right in the wrong answer? “Deep understanding requires that we are able to see what is critical and connect it with our prior knowledge.” Productive Failure helps us to reassemble components in our knowledge in a new way to solve new and harder problems. Tasks can be designed to be challenging and accessible. “Productive Failure is good for learning things that you need to deeply understand and transfer to novel situations,” like the adaptive challenges we face today. We are not trying to design for failure for failure's sake, but to design in such a way that we have to think through the challenge and see it in different ways. * * * Follow us on Instagram and X for additional leadership and personal development ideas. * * * View the full article

Customer retention is more than a buzzword—it is a proven driver of sustainable growth and profitability. Sounds like common sense? Think again. Customer churn is on the rise. Yet, while many organizations recognize the value of keeping customers, far fewer appreciate the full spectrum of losses that arise when performance is merely “good enough.” The hidden costs of unremarkable customer experience—lost profit margins, missed cross-sell opportunities, shorter customer lifespans, fewer referrals, and reduced purchase volumes—can quietly erode the bottom line. These losses are often multiplied by the ripple effects of customer complaints or service failures, which extend far beyond immediate transaction. The well-proven benefits of customer retention Despite the overwhelming evidence, many companies still chase short-term sales incentives or focus on launching “new and improved” products, neglecting the reliable, long-term value of customer loyalty. They view retention as a binary effort—keeping the customers or losing them. In reality, it is not. Under the surface of customer relationships, there are further opportunities to capture and enhance the strength and longevity of the relationships. Cost efficiency: Acquiring a new customer is five to seven times more expensive than keeping an existing one. This makes retention a far more efficient use of marketing and operational resources. Revenue growth and profitability: The first product you sell to a customer is usually not the last one you hope to sell. Business growth from existing customers and improved margins are directly linked to the value delivered in the first sales interaction. If it was boringly predictable, the customers will not be interested in growing the relationships. What would the impact on your business be if every customer decides to purchase one more product? Customer lifetime value (CLV): The longevity of a customer relationship is another critical dimension of the health of the relationship and the power of retention. What will the impact on your business be if a customer decides to extend their lifetime by one more year? Predictability results in smart investment: Loyal customers provide steady, recurring revenue, enabling better forecasting and strategic investments. Such stability allows you to invest in new products, adapt new technologies, and expand into new markets—as opposed to reserving your investments and staying behind. What will you do differently if you would be provided with revenue stability? More customers, by referrals: Referrals are gold. But how many of them do you actually receive? What would the impact on your business be if 505 of your new customers came from previous customers? What would you customer acquisition cost look like? What would you do with the savings? These benefits show that the path to profitability is often shortest when it focuses on reducing the currency and maximizing customer value. Boring performance leads to further losses If the benefits of retention are not compelling enough, the hidden costs of mediocrity should be. Deciding to take the customer for granted and delivering less than remarkable value comes with a price. You thought you saved money. Think about the hidden losses you have created. Too often, companies see customers as single product or service purchasers, not as long-term partners with substantial lifetime value. This narrow view leaves significant value on the table and blinds organizations to the deeper financial consequences of failing to deliver exceptional experiences. 1. Tougher negotiations—greater profit compromises When customer experience is boringly predictable, price becomes the primary battleground. Disappointed customers are more likely to demand discounts or concessions, eroding profit margins. In B2B environments, this effect is even more pronounced, as clients leverage the threat of switching to competitors to negotiate deeper discounts. The absence of a differentiated, memorable experience makes it easy for customers to walk away—or to squeeze suppliers on better terms. 2. Loss of future products purchases Customers, unimpressed by their experience, are unlikely to explore additional products or services. Cross-selling and upselling options are routinely missed when the customer relationship is transactional rather than relational. Research consistently shows that personalized and relevant recommendations drive sales, but mediocre experiences stifle these opportunities. 3. Losses in customer relationship longevity Unremarkable experiences accelerate customer churn. Each lost customer represents not just a single transaction, but the entire future value of that relationship. Companies that accept churn as a cost of doing business, rather than a solvable problem, forfeit millions in potential revenue and incur additional costs to replace lost customers. 4. Loss of future customers’ referrals Referrals are the gold standard of customer endorsement. Exceptional experiences inspire real recommendations that bring in new customers with no acquisition cost. Conversely, dissatisfied customers are not only less likely to recommend—they are more likely to share negative experiences, amplifying reputational damage and deterring potential new business. 5. Reduction in purchase volume Customers who receive unremarkable value often reduce their spending over time, spreading purchases across multiple vendors to minimize risk. Without a compelling reason to consolidate business, companies lose out on the larger share of wallet that comes from loyal, engaged customers. Why hidden losses persist If the financial case is so clear, why do so many organizations fail to prioritize customer retention and experience? Several factors contribute: Short-term focus: Shareholder and leadership pressure often drive companies to pursue quick wins at the expense of long-term investment in customer relationships. Inertia: Many organizations assume customers will tolerate mediocre experiences rather than switch, underestimating the ease with which customers can move to competitors. Fragmented ownership: Customers are often “owned” by different departments—marketing, sales, service—without a unified view of lifetime value or coordinated retention strategy. Lack of definition: Few companies have a clear, actionable definition of what constitutes an exceptional customer experience, making it difficult to set goals or measure progress. Incomplete data: Without comprehensive data on customer behavior and value, organizations struggle to make informed decisions about where to invest in experience improvements. Product-centric culture: A focus on products and features, rather than customer needs and journeys, relegates the customer to an afterthought. Misaligned metrics: Traditional satisfaction scores may not accurately reflect the true impact of customer experience on retention and growth. Missing tools and training: Employees often lack the resources, training, and empowerment needed to deliver truly exceptional experiences. Boring is not an option Delivering an unremarkable value to customers is not just an act of taking them for granted and belittling their intelligence. It comes with a heavy price. While customer retention is the cost we see on the surface, it is well understood. The hidden losses from unremarkable performance expose a deeper, more profound case of evaluating the performance. Providing exceptional customer experience is more than about keeping customers. It is about protecting profit margins, unlocking cross-sell potential, extending customer lifespans, generating referrals, and maximizing purchase volume. In a customer-first economy, investing in exceptional experiences is no longer optional. Organizations must honestly assess their customers commitment, confront the obstacles to delivering on retention strategies, and understand the full scope of losses that come from settling for “good enough.” Only then can they make the strategic decisions necessary to stand out, build lasting relationships, and thrive in a competitive marketplace. Lior Arussy is the cofounder and chairman of ImprintCX. His latest book is Dare to Author! View the full article

The president has staked his second-term agenda on the sprawling tax-and-spend legislationView the full article

“We doubled our marketing team, and still fell behind.” That’s what one founder told me in January, frustrated after months of hiring, onboarding, and budgeting…only to lose ground anyway. In 2025, the old formula of “more people equals more results” just isn’t working. Let’s face it, traditional hiring is broken. It’s costly, time-intensive, and built for a world that no longer exists. Training takes months, and even the best employees can’t be experts in everything. And scaling up or down? That’s nearly impossible when your budget is tied to headcount. That said, full-time employees are still the heart of any great company. Their creativity, dedication, and drive are what push businesses forward. So, what is a leader to do? That’s where the right agency comes in. Not to replace your team, but to amplify it. An agency partner keeps your business agile and efficient, filling in gaps without replacing your team. Instead of overloading in-house employees, an agency can bring specialized expertise exactly when and where it’s needed, without adding overhead. 5 reasons to amplify your team with an agency Here’s why teaming up with an agency could be the right move in 2025. 1. Access to a dream team When you work with an agency, you’re not gaining just one person, you’re tapping into an entire squad of experts. Need killer copy, smart SEO strategies, or top-notch data insights? They’ve got you covered. Building a team like that in-house takes time and money, but an agency delivers it all, with minimal onboarding. This means your employees can focus on the big picture goals while the agency handles the specialized execution that drives results. 2. Smarter spending Hiring is expensive. Salaries, benefits, equipment, training…it adds up fast. Then there’s turnover—46% of employees plan to job hunt in the next three months, and replacing an employee costs about 50% of their annual salary. That number jumps to 100% for higher-level roles. Agencies, on the other hand, come with clear, predictable costs. They’re not about cutting corners; they’re about making smart investments. You get the best of both worlds; high-level expertise without the financial risk of full-time hires. 3. Staying ahead of the game The marketing world never stops moving, and you must be ready to pivot at a moment’s notice. Agencies, like social media-focused marketing agency Firebelly, are built for this​​. They constantly test new tools and strategies, so you don’t have to. I recently spoke with Duncan Alney, founder and CEO of Firebelly Marketing, about how businesses today can’t afford to fall behind. “As a social media marketing agency, we’re focused on staying ahead of the industry’s trends and news. Marketing shifts too quickly, and in-house teams are already stretched thin,” Duncan shared. “Firebelly brings the advantage of real-time insights and adaptability, things that are nearly impossible to maintain internally.” Your team can focus on longer-term growth while your agency keeps you on the cutting edge. 4. Scalability, when you need it Businesses aren’t predictable. Maybe you’ve got a product launch coming up, or maybe it’s a slow season. Agencies ramp up or scale back as necessary, taking the pressure off your team. It’s like having a safety net that adjusts as you go. 5. Hit the ground running Hiring and training new employees takes time, and sometimes you need results ASAP. Agencies come in ready to go. They bring proven systems, expertise, and results. Instead of waiting months to see progress, you build momentum right away. As a marketer and business owner, I’ve seen firsthand how agencies can transform businesses ready to level up their marketing. The right agency can bring expertise, speed, and flexibility to the table, working alongside in-house teams. This isn’t about replacing your employees, it’s about giving them the support they need to shine. Before you post that next job opening, ask yourself: Could an outside partner help you achieve your goals faster and with less risk? In 2025, the smartest way to build from within might be by looking outside. View the full article

Most people think of urban open spaces in terms of grand parks—Chicago’s Millennium Park or New York’s Central Park or San Francisco’s Golden Gate Park. These are our iconic parks—our sublime spaces. They serve as the “lungs” of our cities, and they certainly steal our hearts. These spaces are not locked behind gates but are stages where our own lives play out and memories are created, full of movement and reflection and joy. There are more modest spaces in our cities, though, that are just as important to our lives—the thresholds and courtyards and pocket parks. They’re the places where we bump into our neighbors to walk our dogs or read on a bench in an environment where nature takes over. They are often unheralded like a great Olmsted Park, but always full of potential for true placemaking to begin. My father, Edwin Smith was director of parks and recreation for the City of Eugene, Oregon and he knew this. He served for more than 30 years and was responsible for the design and development of 41 parks and greenways in and around the city. His work had a profound impact on me as a future architect. More to the point, his work and vision quietly enhanced the lives of so many people in the community as their access to parks was interwoven into their lives. Westmoreland Park is one of Eugene’s centerpiece parks and is a great example. Its gentle slopes and lush lawns support stands of mature cedars and redwoods, not to mention Douglas firs, hemlocks, spruces, and the Oregon white oak. Even if you don’t know all those trees by sight, you know Westmoreland Park if you live in Eugene, and you know that it offers something for almost every active resident. I think that’s the importance of a well-designed space—it invites and it responds. Living ribbon of connection Responsiveness is a word worth pausing on for a moment. It’s the entire reason for design—architectural, urban, or otherwise—and it’s one of the hallmarks of placemaking. My firm, MG2, recently envisioned design for an attainable housing project in Irvine, California, that was meant to respond to a specific housing challenge in a rapidly changing part of the state. It isn’t a monolith. It is, instead, what we think of as a living ribbon of connection—a continuous path that links breezeways, community gardens, play areas, and shared courtyards woven throughout the residential units. It is not simply a circulation route. It is a spine, and just like our spines, everything it touches depends upon it for structure. But more importantly, this isn’t just a collection of amenities. It is a social ecosystem. The layout fosters degrees of interaction—private balconies that open into semi-private courtyards, which in turn flow into cooperative gardens and fully public gathering spaces. Residents can choose solitude, casual interaction, or spirited communal activity—each space encouraging a different rhythm of human engagement. Children play while parents share meals. Strangers become neighbors over garden beds. This is architecture as social infrastructure. To reimagine open space is not to think bigger—it is to think deeper. To look between, beneath, beyond. It is to ask: How do we shape space to be responsive? How do we design for encounter, for joy, for the unplanned but meaningful moments of connection? Let us not treat the spaces between buildings as voids. Let us see them as vessels—of life, of community, of possibility. Let us design not just for shelter, but for spirit. Let us reimagine open spaces. Mitch Smith AIA, LEED AP is the CEO and chairman of MG2, an affiliate of Colliers Engineering & Design. 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. The Mac mini has always been about packing a surprising amount of power into a tiny shell, and the Early 2023 Apple Mac mini M2 sticks to that idea. Right now, you can grab the refurbished 8GB RAM, 512GB SSD model on sale for $459.99 at StackSocial (down from $599), or the 256GB SSD version for $359.99. Both are rated “Grade A,” meaning they show little to no cosmetic wear and ship free across the contiguous U.S. Powered by Apple’s M2 chip, this mini desktop quietly handles everything from daily multitasking to heavy-duty tasks like 8K video editing. Its 8-core CPU, 10-core GPU, and 16-core Neural Engine give it real muscle, especially for creatives or anyone who juggles multiple apps and tabs at once. However, keep in mind that while it’s a beast for most workflows, 8GB RAM might feel tight for heavier professional workloads down the line, like video production or 3D rendering. These Mac minis run macOS Ventura out of the box (with an easy upgrade path to the latest macOS Sequoia, so you're not starting on an outdated system), and support up to two external displays, including one up to 6K over Thunderbolt and another up to 5K (or 4K through HDMI), making it a strong centerpiece for creative setups. It's got serious connectivity options too—two Thunderbolt 4 ports, an HDMI port with 8K support, two USB-A ports, Ethernet, and a headphone jack that’s ready for high-impedance headphones. Wifi 6E and Bluetooth 5.3 round things out, giving you faster and more stable wireless connections. With fast boot times, excellent security baked into the hardware, and a form factor that weighs just 2.6 pounds, the Mac mini M2 feels like a serious upgrade packed into a minimalistic design. It’s a small machine with serious ambition, and for most people, that’s more than enough. View the full article

In an era dominated by artificial intelligence and smartphones, one of the most overlooked engines of economic growth sits quietly at the heart of every neighborhood: the public library. Gone are the days when libraries were sanctuaries reserved for only reading and research. Today, they are being reimagined as dynamic hubs for workforce development, creative sector support, and cultural exchange. Across the country, these reservoirs of knowledge are evolving into digital and physical beacons of community resilience. Local access, global reach: A case study in artist empowerment In Huntsville, where I serve as the city’s first music officer, we’ve partnered with our public library system to develop a multifunctional creative hub—with music at its core. A primary pillar of our collaboration is Blast Music, a digital streaming platform designed to showcase local talent. It’s a model other cities can and should replicate. Through the Blast program, artists are paid, promoted, and added to a curated library collection—offering not only exposure, but bona fide industry credentials. Over 100 local artists are currently featured on the platform, and we will welcome up to 50 additional artists into the program annually. The ripple effect of Blast is real. The free service empowers local listeners to discover homegrown talent while giving musicians tools to grow their fan base and attract industry attention. Perhaps most importantly, Blast provides emerging artists with resume-worthy recognition—essential for building sustainable careers in a tough industry. But Blast isn’t just about digital reach—it’s embedded in Huntsville’s cultural DNA. From artist showcases like the Ladies of Blast event at the Orion Amphitheater, to community events like Hear to Be Seen (a portrait exhibition of Blast musicians), to stages designated exclusively for Blast artist performances at Camp to Amp, PorchFest, and more, Blast is bringing music into public spaces and cultivating civic pride. That’s the kind of community infrastructure that libraries are uniquely equipped to deliver. There’s no such thing as too much visibility, and even artists with international acclaim see value in the platform. Huntsville native Kim Tibbs, a vocalist, songwriter, Alabama Music Hall of Fame honoree and UK chart-topper, submitted her album The Science of Completion Volume I to Blast—not only for more exposure, but to mentor and support the next generation of artists in her hometown. Libraries as talent incubators Huntsville is part of a broader national trend. In cities like Chicago, Nashville, and Austin, libraries are integrating creative labs, media production studios, and music education into their core services—functioning as public-sector incubators for the creative economy. As technology continues to reshape traditional jobs, libraries are well-positioned to bridge skill gaps and fuel the rise of creative economies, including the vital but often overlooked non-performance roles in the music industry. Huntsville is doubling down on this approach. We’re investing millions into programs that bring interactive music technology workshops to teens at the local library—focusing on hands-on training in production, recording, and audio engineering. With professional equipment, studio spaces, and expert instruction, we’re preparing the next generation for careers both onstage and behind the scenes. Local industry is stepping up too. Hear Technologies, a global leader in sound and AV production, has been designing cutting-edge audio devices for years. They’re now part of a dynamic team collaborating with city leaders to help develop the library’s music maker space, nurture new talent and accelerate our region’s creative growth. This matters now, more than ever Libraries have always been entry points for education, employment, and exploration. But today, they’re more than just information access points—they are gateways to opportunity and launchpads for industries that define the future. By utilizing public space and collaborating with local talent, libraries can become platforms for economic mobility and cultural innovation. This investment isn’t a feel-good gesture. It’s a smart, strategic move for any city building a future that works—for everyone. The playlist is simple: Invest in creative ecosystems, embed them in trusted community institutions like public libraries, and treat music as critical infrastructure. Matt Mandrella is music officer for the City of Huntsville, Alabama. View the full article

After spending forever floundering for a solution to a problem, an Aha moment can feel like magic. But a new study by researchers from Duke University and the University of Berlin has found that the Aha moment gives us more than temporary elation. “If you have an ‘aha! moment’ while learning something, it almost doubles your memory,” says Roberto Cabeza, lead author of the new study, in a statement. “There are few memory effects that are as powerful as this.” The research was published this month in Nature Communications. What is an aha moment? The study defines an “Aha experience” as a moment where “the solution comes to you in a sudden manner, with a strong sense of certainty and a strong positive emotion.” Suddenness, certainty, and internal reward are all important parts of the process. When we have a flash of insight, our brains go through a process called representational change where our internal representations of the insight undergoes rapid reorganization and integration, helping encode it into our memory. “During these moments of insight, the brain reorganizes how it sees the image,” noted first author Maxi Becker. In particular, the researchers found that insights that with high certainty and positive emotion boosted activity in the amygdala and hippocampus brain structures. The more powerful the insights the more activity in the hippocampus, causing more memory retention. How was the study conducted? To test what was happening in people’s brains when they have an Aha moment, the researchers used fMRI technology to scan participants’ brains while they tried to identify a series of “Moony images,”—images of common objects reduced to minimally detailed, two-tone black and white images. The high contrast of the images made them difficult to identify immediately, improving the odds of participants having Aha moments. After they identified each object, the participants were asked to rate how suddenly they found the solution, how positive they felt, and how certain they felt that their answer was correct. Five days later, the researchers tested the group of participants again to determine how well they remembered the Moony images that they’d previously identified. Strikingly, they found that participants remembered solutions that came to them in a burst of insight around twice as well as solutions worked out more methodically. Additionally, the researchers observed that Aha moments cause a chain reaction in our brains enhancing representative change in the brain’s ventral occipito-temporal cortex (a region responsible for visual processing), activity in the amygdala and hippocampus, and engaging other solution-processing brain regions. Stronger insights cause the “different regions [to] communicate with each other more efficiently,” says Cabeza. The data suggests that the brain has its own neural mechanism for insight, leading to improved memory. 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. There was a time when you needed to spend over $1,000 to get your hands on a MacBook that could handle everything from spreadsheets to video edits without complaint. That’s no longer the case—at least not with this deal. This refurbished 2020 MacBook Air with the Apple M1 chip is down to $549.99 for the 8GB RAM + 512GB SSD model and $589.99 for the 16GB RAM + 256GB SSD configuration. Both are “Grade A” units, meaning they might have little to no visible wear even though they are refurbished. You get the same M1 chip that helped Apple cut ties with Intel—an 8-core CPU, 8-core GPU, and a 16-core Neural Engine working together to make everything from browsing to photo editing fast and efficient. That chip also means zero fans, so the machine stays completely silent, no matter how long you’re running it. The Retina display still holds up with a crisp 2560x1600 resolution, and the battery life is solid, around 15 to 18 hours depending on use. You do miss out on some newer features like MagSafe charging or a 1080p webcam, but for this price, those trade-offs feel minor. Both variants include two Thunderbolt/USB 4 ports, wifi 6, Bluetooth 5.0, stereo speakers with Dolby Atmos support, a responsive backlit Magic Keyboard, and Touch ID. And because it’s still supported, you’ll be able to upgrade to macOS Sequoia 15. If you’ve been eyeing a MacBook for work, school, or general creative projects and can live without the newest features, this deal makes a strong case for sticking with Apple’s first (and still very impressive) M1 machine. View the full article

The contract rate on a 30-year mortgage rose 6 basis points to 6.92% in the week ended May 16, according to Mortgage Bankers Association data released Wednesday. View the full article

Britain will agree a multibillion pound payment to retain access to the Diego Garcia military base also used by the USView the full article

Fair Isaac Corp.'s shares saw their worst day since March 2020 on Wednesday, falling alongside credit bureau stocks after the head of the Federal Housing Finance Agency questioned credit report pricing. View the full article

Getting settlement agents and other stakeholders involved was a challenge, but e-note use has finally become routine for some mortgage lenders buying loans. View the full article

Rather than clocking in at a Saturday job or selling old clothes for quick cash, Gen Z has another side hustle up their sleeve: selling their personal data. To take advantage of the nearly seven hours a day Gen Z spend on their phones, a new app called Verb.AI, launched by youth polling company Generation Lab, is now offering to pay young people for their scrolling time. By installing a tracker which monitors what they browse, buy, and stream, Verb creates a digital twin of each user that lives in a central database. From there, companies and businesses can query the data in a ChatGPT-like interface, and get a more accurate picture of consumer preferences than they would get even from a room full of Gen Zers. “For decades, market research has been the equivalent of a doctor asking a patient to describe their symptoms. Verb is an MRI machine,” the company’s pitch deck says. And Verb is willing to pay. “We think corporations have extracted user data without fairly compensating people for their own data,” Cyrus Beschloss, CEO of Generation Lab, said per Axios. “We think users should know exactly what data they’re giving us and should feel good about what they’re receiving in return.” Verb’s maker, Generation Lab, was founded in 2016 and is based in Washington, D.C., according to the company’s LinkedIn page. It currently has 6 employees listed on the company’s official website. The broader global data broker market, meanwhile, is expected to grow in the next few years, reaching a projected $561.538 billion by 2029, up from $389.765 billion in 2024. In return for their personal data, Verb pays $50 or more per month to the user, depending on activity. For Gen Zers, it’s a fair enough deal for something they are likely doing anyway. About 88% of Gen Zers report being willing to share some personal data with a social media company, compared to just 67% of older adults. That is provided they are fairly compensated either with cash or a personalized social media algorithm, a 2022 Euromonitor International study found. A generation filled with contradictions, Gen Z is at the same time still taking protective measures with their data. They are clearing cookies, using anonymous browsers, and encrypting their communications twice as often as other generations. However, they also are more likely to agree with the statement, “I don’t mind being tracked by websites or apps,” compared to older generations, according to a 2023 survey from the cybersecurity company Malwarebytes. The extent of Gen Z’s willingness to share personal data was apparent during the still-ongoing regulatory scrutiny of TikTok over data privacy concerns in China. Case in point: the “Goodbye to My Chinese Spy” trend that took off as the possibility of TikTok being banned in the U.S. loomed earlier this year. “Sending Xi Jinping a data care package because he’s taken better care of me than the US government ever has,” read the text over a TikTok video of an envelope addressed to the president of China. “To my (alleged) Chinese spy – nobody knows me like you, babe”, another TikTok user posted. Given these laissez-faire attitudes towards data privacy, it’s no surprise then, as Axios puts it, “selling data is becoming the new selling plasma.” View the full article

As private credit tops $1 trillion, Fed researchers warn bank exposure to the sector could spark systemic risk if defaults spike. View the full article

Google publishes blog posts with official tips to make your content perform well in AI search features like AI Overviews & AI Mode. The post Google’s Official Advice On Optimizing For AI Overviews & AI Mode appeared first on Search Engine Journal. View the full article

Key Takeaways Weird Coffee Mugs as Conversation Starters: These unique mugs feature unconventional designs that not only serve a practical purpose but also engage customers and spark conversations during coffee breaks. Diverse Design Options: From animal shapes to clever humor, offering a variety of weird mugs can help small businesses stand out and attract diverse customer bases. Functional Innovations: Many weird mugs offer added functionality, such as temperature control or multi-purpose uses, appealing to consumers looking for both creativity and utility in their drinkware. Pop Culture Appeal: Mugs that reference popular culture resonate with dedicated fans and make excellent gifts, allowing retailers to tap into current trends and nostalgic connections. Buying Channels: Weird coffee mugs can be found on platforms like Etsy, local artisan markets, online retailers, specialty coffee shops, and pop culture stores, providing numerous sourcing opportunities for retailers. Supporting Local Artists: Collaborating with local artists to create unique mug designs not only enhances your inventory but also fosters community engagement and supports local creativity. Coffee mugs are more than just vessels for your favorite brew; they’re a canvas for creativity and self-expression. If you’ve ever sipped from a mug that made you chuckle or sparked a conversation, you know the power of a quirky design. From mugs shaped like animals to those with clever puns, the world of weird coffee mugs is a delightful realm waiting to be explored. These unique mugs not only serve a practical purpose but also add a splash of personality to your morning routine. Whether you’re a collector or just looking for a fun gift, weird coffee mugs can bring joy to anyone’s day. Dive into this fascinating collection of eccentric designs that are sure to make your coffee breaks a little more memorable. What Are Weird Coffee Mugs? Weird coffee mugs function as conversation starters, adding a playful element to daily routines. These mugs often feature unconventional shapes, unique materials, or humorous designs that set them apart from standard options. Examples include mugs shaped like animals, quirky faces, or those adorned with clever puns. Small businesses in the retail sector benefit from offering a diverse range of these eccentric mugs. Such novelty items attract attention, encouraging customers to explore your collection and potentially making impulse purchases. By incorporating weird coffee mugs into your inventory, you create a niche that appeals to collectors and gift shoppers alike. These distinctive mugs resonate with consumers who appreciate creativity and individuality. As a result, they enhance not only personal coffee experiences but also create memorable shopping moments, increasing customer loyalty and satisfaction. Unique Designs Unique designs in coffee mugs attract attention and enhance your retail business. Offering mugs with quirky elements helps you stand out in a competitive market. Clever Humor Mugs Clever humor mugs bring a playful touch to everyday routines. These mugs often feature witty phrases or funny images, engaging customers with their lighthearted charm. Examples include mugs that declare, “I’m not a morning person” or those that transform with heat, revealing jokes when filled with hot liquids. Stocking these clever designs can boost impulse purchases, appealing to consumers looking for gifts or personal treats. Consumers enjoy sharing these humorous mugs on social media, increasing visibility for your small business. Artistic and Abstract Mugs Artistic and abstract mugs offer unique visual appeal. These mugs often showcase vibrant colors, unusual shapes, or intricate patterns, turning a simple coffee vessel into a piece of art. Featuring local artists or unique designs resonates with customers seeking originality within their coffee experience. Collaborating with artists can create limited-edition collections, enhancing your small business’s reputation for supporting local talent. This strategy attracts art enthusiasts and garners attention from consumers looking for distinctive gifts, ultimately driving sales. Functional Weirdness Weird coffee mugs can serve unique practical purposes, offering more than just a fun design. These functional pieces can enhance your retail business, attracting consumers seeking novelty in their daily routines. Multi-Purpose Mugs Multi-purpose mugs combine quirky designs with functionality, providing value to your customers. For instance, mugs that double as planters or storage containers add a creative twist to everyday use. These versatile products appeal to consumers looking for more than just a vessel for their beverages, enabling them to showcase their individuality. Stocking multi-purpose mugs can encourage impulse buys, especially if they resonate with collectors or those who appreciate clever innovations. Temperature Control Mugs Temperature control mugs represent a significant advancement in coffee mug functionality. These mugs maintain the desired temperature of beverages for extended periods, ensuring an enjoyable drinking experience. Consumers increasingly seek products that meet their needs, making this type of mug an attractive option for your inventory. Investing in temperature control mugs can position your small business favorably in a competitive market, catering to coffee enthusiasts who value quality and convenience. Popular Trends in Weird Coffee Mugs Weird coffee mugs capture attention and generate excitement, making them ideal for small businesses looking to enhance their retail offerings. Animal-Shaped Mugs Animal-shaped mugs remain a perennial favorite among consumers. These whimsical designs attract shoppers seeking fun and quirky items for their morning routines. For small businesses, offering a variety of animal-shaped mugs can appeal to diverse customer bases, encouraging impulse purchases. Examples include mugs shaped like cats, dogs, and even exotic animals, which serve as both functional drinkware and decorative pieces. You can also collaborate with local artists to create limited-edition animal designs that distinguish your inventory from competitors. Pop Culture References Pop culture reference mugs, featuring characters from movies, TV shows, and video games, resonate well with fans. These mugs serve as conversation starters and maintain a nostalgic connection for customers. Incorporating popular quotes or imagery enhances their appeal, making them attractive gifts or personal purchases for devoted fans. Small businesses can leverage this trend by keeping up-to-date with the latest pop culture phenomena, ensuring that your selection reflects current interests, drawing in enthusiastic shoppers eager to add these unique items to their collections. Where to Buy Weird Coffee Mugs You can find weird coffee mugs in various places, each offering unique selections that cater to different tastes. Consider the following options: Etsy: Etsy hosts a vast marketplace for small businesses. You can discover handmade and customized options, perfect for quirky designs that stand out. Local Artisan Markets: Visiting local markets supports your community’s small businesses and helps you find one-of-a-kind mugs crafted by local artists. Online Retailers: Websites like Amazon and eBay provide extensive selections of weird mugs from numerous retailers. Look for user reviews to gauge quality. Specialty Coffee Shops: Many small coffee shops sell branded or unique mugs. Supporting these shops helps promote local retail businesses while adding charm to your coffee routine. Pop Culture Stores: Shops focusing on pop culture often inventory themed mugs showcasing your favorite movies, shows, or games. These add a playful touch for fans. Social Media: Check platforms like Instagram and Pinterest for shops promoting weird mugs. These platforms feature visual inspiration and direct links to purchase. When sourcing these mugs for your retail business, focus on unique designs that resonate with your target audience. This approach enhances your inventory and helps attract impulse buyers. Conclusion Embracing weird coffee mugs can transform your daily routine into a delightful experience. These quirky designs not only reflect your personality but also spark joy and conversation. Whether you’re a collector or looking for the perfect gift, there’s a unique mug out there for you. For small businesses, offering a diverse selection of these eccentric mugs can attract attention and encourage impulse purchases. By staying updated on trends and collaborating with local artists, you can enhance your inventory and create memorable shopping experiences. So go ahead and explore the world of weird coffee mugs; you might just find the perfect piece that adds a touch of whimsy to your mornings. Frequently Asked Questions What is the significance of coffee mugs beyond functionality? Coffee mugs serve as a medium for creativity and self-expression. Unique designs, like quirky shapes and clever puns, enhance personal styles and brighten morning routines, making them not just functional, but also joyful items. What are “weird coffee mugs”? “Weird coffee mugs” are unconventional mugs that stand out due to their quirky shapes, unique materials, or humorous designs. They often serve as conversation starters, adding a playful touch to daily rituals. How can small businesses benefit from selling unique mugs? Offering a diverse range of eccentric coffee mugs can attract attention and encourage impulse purchases. Unique designs help small businesses stand out in a competitive market while increasing customer loyalty and satisfaction. What trends are popular in coffee mugs today? Trends include animal-shaped mugs, mugs featuring pop culture references, and artistic designs. These items resonate with consumers and often serve as conversation pieces, making them appealing for collectors and enthusiasts. Where can I buy unique coffee mugs? You can find unique mugs on platforms like Etsy for handmade designs, local artisan markets for unique finds, and major retailers like Amazon and eBay for a wider selection. Specialty coffee shops and pop culture stores are also great options. Image Via Envato This article, "Explore the World of Weird Coffee Mugs for a Unique Morning Experience" was first published on Small Business Trends View the full article

Key Takeaways Weird Coffee Mugs as Conversation Starters: These unique mugs feature unconventional designs that not only serve a practical purpose but also engage customers and spark conversations during coffee breaks. Diverse Design Options: From animal shapes to clever humor, offering a variety of weird mugs can help small businesses stand out and attract diverse customer bases. Functional Innovations: Many weird mugs offer added functionality, such as temperature control or multi-purpose uses, appealing to consumers looking for both creativity and utility in their drinkware. Pop Culture Appeal: Mugs that reference popular culture resonate with dedicated fans and make excellent gifts, allowing retailers to tap into current trends and nostalgic connections. Buying Channels: Weird coffee mugs can be found on platforms like Etsy, local artisan markets, online retailers, specialty coffee shops, and pop culture stores, providing numerous sourcing opportunities for retailers. Supporting Local Artists: Collaborating with local artists to create unique mug designs not only enhances your inventory but also fosters community engagement and supports local creativity. Coffee mugs are more than just vessels for your favorite brew; they’re a canvas for creativity and self-expression. If you’ve ever sipped from a mug that made you chuckle or sparked a conversation, you know the power of a quirky design. From mugs shaped like animals to those with clever puns, the world of weird coffee mugs is a delightful realm waiting to be explored. These unique mugs not only serve a practical purpose but also add a splash of personality to your morning routine. Whether you’re a collector or just looking for a fun gift, weird coffee mugs can bring joy to anyone’s day. Dive into this fascinating collection of eccentric designs that are sure to make your coffee breaks a little more memorable. What Are Weird Coffee Mugs? Weird coffee mugs function as conversation starters, adding a playful element to daily routines. These mugs often feature unconventional shapes, unique materials, or humorous designs that set them apart from standard options. Examples include mugs shaped like animals, quirky faces, or those adorned with clever puns. Small businesses in the retail sector benefit from offering a diverse range of these eccentric mugs. Such novelty items attract attention, encouraging customers to explore your collection and potentially making impulse purchases. By incorporating weird coffee mugs into your inventory, you create a niche that appeals to collectors and gift shoppers alike. These distinctive mugs resonate with consumers who appreciate creativity and individuality. As a result, they enhance not only personal coffee experiences but also create memorable shopping moments, increasing customer loyalty and satisfaction. Unique Designs Unique designs in coffee mugs attract attention and enhance your retail business. Offering mugs with quirky elements helps you stand out in a competitive market. Clever Humor Mugs Clever humor mugs bring a playful touch to everyday routines. These mugs often feature witty phrases or funny images, engaging customers with their lighthearted charm. Examples include mugs that declare, “I’m not a morning person” or those that transform with heat, revealing jokes when filled with hot liquids. Stocking these clever designs can boost impulse purchases, appealing to consumers looking for gifts or personal treats. Consumers enjoy sharing these humorous mugs on social media, increasing visibility for your small business. Artistic and Abstract Mugs Artistic and abstract mugs offer unique visual appeal. These mugs often showcase vibrant colors, unusual shapes, or intricate patterns, turning a simple coffee vessel into a piece of art. Featuring local artists or unique designs resonates with customers seeking originality within their coffee experience. Collaborating with artists can create limited-edition collections, enhancing your small business’s reputation for supporting local talent. This strategy attracts art enthusiasts and garners attention from consumers looking for distinctive gifts, ultimately driving sales. Functional Weirdness Weird coffee mugs can serve unique practical purposes, offering more than just a fun design. These functional pieces can enhance your retail business, attracting consumers seeking novelty in their daily routines. Multi-Purpose Mugs Multi-purpose mugs combine quirky designs with functionality, providing value to your customers. For instance, mugs that double as planters or storage containers add a creative twist to everyday use. These versatile products appeal to consumers looking for more than just a vessel for their beverages, enabling them to showcase their individuality. Stocking multi-purpose mugs can encourage impulse buys, especially if they resonate with collectors or those who appreciate clever innovations. Temperature Control Mugs Temperature control mugs represent a significant advancement in coffee mug functionality. These mugs maintain the desired temperature of beverages for extended periods, ensuring an enjoyable drinking experience. Consumers increasingly seek products that meet their needs, making this type of mug an attractive option for your inventory. Investing in temperature control mugs can position your small business favorably in a competitive market, catering to coffee enthusiasts who value quality and convenience. Popular Trends in Weird Coffee Mugs Weird coffee mugs capture attention and generate excitement, making them ideal for small businesses looking to enhance their retail offerings. Animal-Shaped Mugs Animal-shaped mugs remain a perennial favorite among consumers. These whimsical designs attract shoppers seeking fun and quirky items for their morning routines. For small businesses, offering a variety of animal-shaped mugs can appeal to diverse customer bases, encouraging impulse purchases. Examples include mugs shaped like cats, dogs, and even exotic animals, which serve as both functional drinkware and decorative pieces. You can also collaborate with local artists to create limited-edition animal designs that distinguish your inventory from competitors. Pop Culture References Pop culture reference mugs, featuring characters from movies, TV shows, and video games, resonate well with fans. These mugs serve as conversation starters and maintain a nostalgic connection for customers. Incorporating popular quotes or imagery enhances their appeal, making them attractive gifts or personal purchases for devoted fans. Small businesses can leverage this trend by keeping up-to-date with the latest pop culture phenomena, ensuring that your selection reflects current interests, drawing in enthusiastic shoppers eager to add these unique items to their collections. Where to Buy Weird Coffee Mugs You can find weird coffee mugs in various places, each offering unique selections that cater to different tastes. Consider the following options: Etsy: Etsy hosts a vast marketplace for small businesses. You can discover handmade and customized options, perfect for quirky designs that stand out. Local Artisan Markets: Visiting local markets supports your community’s small businesses and helps you find one-of-a-kind mugs crafted by local artists. Online Retailers: Websites like Amazon and eBay provide extensive selections of weird mugs from numerous retailers. Look for user reviews to gauge quality. Specialty Coffee Shops: Many small coffee shops sell branded or unique mugs. Supporting these shops helps promote local retail businesses while adding charm to your coffee routine. Pop Culture Stores: Shops focusing on pop culture often inventory themed mugs showcasing your favorite movies, shows, or games. These add a playful touch for fans. Social Media: Check platforms like Instagram and Pinterest for shops promoting weird mugs. These platforms feature visual inspiration and direct links to purchase. When sourcing these mugs for your retail business, focus on unique designs that resonate with your target audience. This approach enhances your inventory and helps attract impulse buyers. Conclusion Embracing weird coffee mugs can transform your daily routine into a delightful experience. These quirky designs not only reflect your personality but also spark joy and conversation. Whether you’re a collector or looking for the perfect gift, there’s a unique mug out there for you. For small businesses, offering a diverse selection of these eccentric mugs can attract attention and encourage impulse purchases. By staying updated on trends and collaborating with local artists, you can enhance your inventory and create memorable shopping experiences. So go ahead and explore the world of weird coffee mugs; you might just find the perfect piece that adds a touch of whimsy to your mornings. Frequently Asked Questions What is the significance of coffee mugs beyond functionality? Coffee mugs serve as a medium for creativity and self-expression. Unique designs, like quirky shapes and clever puns, enhance personal styles and brighten morning routines, making them not just functional, but also joyful items. What are “weird coffee mugs”? “Weird coffee mugs” are unconventional mugs that stand out due to their quirky shapes, unique materials, or humorous designs. They often serve as conversation starters, adding a playful touch to daily rituals. How can small businesses benefit from selling unique mugs? Offering a diverse range of eccentric coffee mugs can attract attention and encourage impulse purchases. Unique designs help small businesses stand out in a competitive market while increasing customer loyalty and satisfaction. What trends are popular in coffee mugs today? Trends include animal-shaped mugs, mugs featuring pop culture references, and artistic designs. These items resonate with consumers and often serve as conversation pieces, making them appealing for collectors and enthusiasts. Where can I buy unique coffee mugs? You can find unique mugs on platforms like Etsy for handmade designs, local artisan markets for unique finds, and major retailers like Amazon and eBay for a wider selection. Specialty coffee shops and pop culture stores are also great options. Image Via Envato This article, "Explore the World of Weird Coffee Mugs for a Unique Morning Experience" was first published on Small Business Trends View the full article