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Tag: TECH

  • Apple wins blood oxygen battle for watch owners

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    Apple Watch owners in the U.S. just got a big reason to update their devices. Apple just rolled out a redesigned Blood Oxygen feature to specific models, following a recent victory in a legal dispute. This change affects Apple Watch Series 9, Series 10 and Apple Watch Ultra 2 users who have been without the feature due to the ongoing battle.

    Thanks to a U.S. Customs ruling, these users will soon be able to track their blood oxygen levels again, with a twist.

    Instead of processing the data directly on the watch, the measurements will now be calculated on the paired iPhone and displayed in the Respiratory section of the Health app.

    CAN YOUR APPLE WATCH DETECT PREGNANCY?

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    Blood oxygen feature on Apple Watch (Kurt “CyberGuy” Knutsson)

    How to get the redesigned blood oxygen feature

    Follow these steps to enable the updated Blood Oxygen tool on your Apple Watch:

    1) Check your model

    • On your Apple Watch, open Settings.
    • Click General.
    • Tap About.
    • Look for the Model Name and confirm it says Apple Watch Series 9Apple Watch Series 10, or Apple Watch Ultra 2.
    • To make sure it’s a U.S. model, check your original purchase receipt or sign in to your Apple ID account and review your device details. U.S. models often have a model number ending in LL/A.
    Steps to check your Apple Watch model (Kurt "CyberGuy" Knutsson)

    Steps to check your Apple Watch model (Kurt “CyberGuy” Knutsson)

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    2) Update your iPhone

    • On your iPhone, go to Settings.
    • Tap General.
    • Click Software Update.
    • Tap Update Now to install iOS 18.6.1.
    Steps to update your iPhone software (Kurt "CyberGuy" Knutsson)

    Steps to update your iPhone software (Kurt “CyberGuy” Knutsson)

    3) Update your Apple Watch

    • Open the Watch app on your iPhone.
    • Tap General.
    • Click Software Update.
    • Install watchOS 11.6.1.
    Steps to update your Apple Watch software (Kurt "CyberGuy" Knutsson)

    Steps to update your Apple Watch software (Kurt “CyberGuy” Knutsson)

    Note: This update will not affect Apple Watches that already include the original Blood Oxygen feature, or watches purchased outside the U.S.

    4) Restart both devices

    After updating, restart your iPhone and Apple Watch to ensure the changes take effect.

    Screenshot of watchOS 11.6.1 update (Kurt "CyberGuy" Knutsson)

    Screenshot of watchOS 11.6.1 update (Kurt “CyberGuy” Knutsson)

    5) Open the Blood Oxygen app

    Use the Blood Oxygen app on your watch to take a reading. Data will be processed on your iPhone and shown in the Respiratory section of the Health app.

    • On your Apple Watch, press the Digital Crown to see your apps.
    • Tap the Blood Oxygen app.
    • Sit still and hold your wrist flat, with the watch facing up.
    • Tap Start to begin the reading.
    • Wait for the measurement to finish. Your iPhone will process the data and display it in the Respiratory section of the Health app.
    • Tap Learn More to view details about your blood oxygen readings and how to interpret them.
    Steps to use the Blood Oxygen app on your watch to take a reading (Kurt "CyberGuy" Knutsson)

    Steps to use the Blood Oxygen app on your watch to take a reading (Kurt “CyberGuy” Knutsson)

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    6) View your health information in the Health app 

    Your iPhone saves all blood oxygen measurements in the Health app, whether you take them on demand or in the background.

    • Open the Health app on your iPhone.
    • Tap the Browse tab on the bottom right.
    • Then select Respiratory
    • Click Blood Oxygen.

    You can also filter your results to see only readings taken while sleeping or in a high-elevation environment. This makes it easier to track specific patterns over time.

    
Blood Oxygen data in the Health app on iPhone (Apple)

    Blood Oxygen data in the Health app on iPhone (Apple)

    What this means for you

    If you’ve been missing Blood Oxygen tracking on your Apple Watch due to the legal dispute, this is your green light to get it back. Updating today means you’ll once again have insight into your oxygen saturation, valuable for workouts, high-altitude trips and general wellness monitoring. This update ensures U.S. customers regain access to one of the watch’s most popular wellness metrics.

    The Blood Oxygen app provides information for general fitness and wellness purposes only. It is not intended for medical use, self-diagnosis or consulting a doctor. Apple designed the Blood Oxygen app for users who are at least 18 years old.

    Along with Blood Oxygen tracking, models like the Series 9, Series 10 and Ultra 2 offer irregular rhythm notifications, ECGsleep apnea alertsfall detection, temperature sensing and mindfulness tools.

    Learn more about the Apple Watch by visiting CyberGuy.com/AppleWatch 

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    Kurt’s key takeaways

    Apple’s persistence in fighting for this feature shows how important health tracking has become for wearables. By adapting the technology to work around legal restrictions, Apple has kept its promise to prioritize user health tools.

    Do you think Apple’s workaround is a smart solution, or should the company push harder to restore the original watch-based tracking? Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com. All rights reserved.

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  • Nearly a million patients hit by DaVita dialysis ransomware attack

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    Healthcare institutions have become a favorite target for bad actors, largely because of how easy they make it for attackers. In June, researchers discovered a healthcare data breach that exposed the personal information of around 8 million patients. All of this information was publicly accessible online without any passwords or authentication protocols.

    The latest healthcare organization to fall victim to a breach is DaVita, which has put nearly a million people at risk. Headquartered in Denver, Colorado, DaVita provides dialysis treatment to about 200,000 patients across the U.S. and 13 other countries.

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    DIOR DATA BREACH EXPOSES US CUSTOMERS’ PERSONAL INFORMATION

    A healthcare professional working on her laptop  (Kurt “CyberGuy” Knutsson)

    What you need to know DaVita ransomware attack

    Kidney dialysis giant DaVita says nearly 916,000 people had personal and medical information exposed in an April ransomware attack (via Comparitech). The breach, which the company disclosed in state filings, compromised names, Social Security numbers, dates of birth, health insurance details, medical records, tax ID numbers, addresses and even images of checks made out to the company.

    DaVita says the incident disrupted internal operations and primarily affected its laboratories. In its latest notice to victims, the company says the cyberattack began March 24, 2025, and continued until April 12. It has not confirmed whether a ransom was paid.

    Ransomware gang Interlock claimed responsibility on April 25, posting screenshots of alleged stolen documents and saying it took 1.5TB of DaVita’s data. The group lists the company on its public leak site, where it pressures victims by threatening to sell or release stolen files.

    DaVita is offering eligible breach victims free identity restoration services through Experian, with a Nov. 28 enrollment deadline. The company has not confirmed how attackers gained access to its network or the size of the ransom demand.

    CyberGuy reached out to DaVita for comment but did not receive a response before publication.

    person typing on tablet

    A healthcare professional working on a tablet   (Kurt “CyberGuy” Knutsson)

    Who’s behind the DaVita breach

    Interlock, which first appeared in October 2024, has claimed responsibility for the DaVita attack and at least 23 other ransomware attacks, plus dozens more that remain unverified. Healthcare targets have included Texas Digestive Specialists, Kettering Health and Naper Grove Vision Care, all of which reported data breaches in 2025.

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    The DaVita incident is the second-largest U.S. healthcare ransomware attack by number of records this year, behind Frederick Health’s January breach. According to Comparitech, there have been 53 confirmed ransomware attacks on American healthcare providers in 2025 alone, compromising more than 3.2 million patient records.

    patient vitals

    A screen showing a patient’s vitals  (Kurt “CyberGuy” Knutsson)

    6 ways to protect yourself from DaVita ransomware attack

    The DaVita data breach exposed sensitive patient information. If you are affected or just want to stay one step ahead, these actions can help minimize your risk.

    1. Don’t click on suspicious links or attachments and use strong antivirus software

    The DaVita data breach likely gives attackers access to your contact details, which they can misuse. Avoid clicking on unexpected emails or messages, even if they look legitimate.

    The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

    Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com/LockUpYourTech

    2. Use a personal data removal service

    Since your personal details were exposed in the DaVita breach, you’re more vulnerable to targeted fraud. Consider using a personal data removal service to scrub your personal details from data broker websites that sell your information.

    While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time.

    Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/Delete

    Get a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan 

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    3. Use strong, unique passwords for every account

    Reusing passwords increases your risk. A single leaked password can unlock multiple accounts. Use a password manager to generate and store secure passwords.

    Check out the best expert-reviewed password managers of 2025 at Cyberguy.com/Passwords

    4. Sign up for an identity theft protection service

    DaVita is offering free identity theft and credit monitoring services to those affected by the breach. But even if you weren’t a victim of this specific breach, it’s still smart to protect yourself.

    Identity theft protection services can alert you to suspicious activity, help you recover if your identity is stolen and often provide tools to freeze or lock your credit. That prevents fraudsters from opening new accounts in your name, and you can lift the freeze temporarily when needed.

    See my tips and best picks on how to protect yourself from identity theft at  Cyberguy.com/IdentityTheft

    5. Enable two-factor authentication (2FA)

    Adding a second layer of login protection, like a text message or app-based code via 2FA, can make it much harder for DaVita attackers to access your accounts, even if your password is exposed.

    6. Monitor your credit and financial accounts

    Keep an eye out for strange charges or unfamiliar accounts. Set up alerts through your bank and review your credit report regularly to catch fraud early.

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    Kurt’s key takeaway

    The investigation into the DaVita breach is ongoing, and the company has not disclosed how the hackers got in. Nearly a million people now face the possibility of their personal information being used for malicious purposes. Ransomware attacks on hospitals and clinics can lock critical systems, delay care and push providers back to paper records. In severe cases, they can force appointment cancellations and patient diversions and potentially endanger lives.

    Should U.S. law require healthcare organizations to meet stricter cybersecurity standards? Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • Humanoid robot turns heads at NYC sneaker store

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    Think you’ve seen it all in New York City? Shoppers on Fifth Avenue froze when a humanoid robot walked into the Hoka store and tried on sneakers. 

    The sleek Unitree R1 wasn’t just out for a stroll. It starred in a high-profile stunt promoting KraneShares’ new artificial intelligence and robotics ETF.

    Passersby watched in disbelief as the KOID-branded robot posed for selfies, grabbed a hot dog and browsed the shoe racks.

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    $5,900 UNITREE R1 ROBOT IS SURPRISINGLY AFFORDABLE

    Unitree R1 humanoid robot at sneaker store  (KraneShares)

    From Nasdaq to Fifth Avenue

    The KOID robot is built by Chinese robotics firm Unitree, with software from Stanford’s OpenMind. Supplied by Long Island-based RoboStore, the robot had already made headlines earlier in the week by ringing the Nasdaq opening bell.

    Although it was remote-controlled during this Manhattan stroll, the R1 is fully programmable and already used in research labs and universities. The Hoka sneaker trial was all part of a larger rollout for the KraneShares Global Humanoid and Embodied Intelligence Index ETF, which launched in June and has already pulled in $28 million in investments.

    robot rings bell

    Unitree R1 humanoid robot ringing the Nasdaq opening bell  (RoboStore)

    Why this Unitree humanoid robot matters

    Humanoids like the R1 are more than viral photo ops. They represent a shift toward machines that can move, interact and adapt in human environments. The Morgan Stanley Global Humanoid Model predicts there could be 1 billion humanoid robots generating $5 trillion in annual revenue by 2050. That future may seem far away, but moments like this show just how close we might be.

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    robot at sneaker store 3

    Unitree R1 humanoid robot at sneaker store (KraneShares)

    What this means for you

    Seeing a robot casually shopping in Manhattan is a preview of the technology that could be serving customers, assisting in retail or even running errands in the near future. Companies are investing heavily in humanoid robotics, and the line between novelty and necessity is getting thinner. If robots like the Unitree R1 can handle real-world environments today, imagine what they’ll be capable of in a few short years.

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    robot at sneaker store 4

    Unitree R1 humanoid robot out and about in NYC  (RoboStore)

    Kurt’s key takeaways

    A sneaker-shopping robot may sound like a publicity stunt, and it is, but it’s also a snapshot of how AI-powered machines are stepping into everyday life. The big question isn’t if you’ll encounter a humanoid robot in your neighborhood, but when.

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    Would you feel excited or uneasy if a robot strolled into your favorite store?  Let us know by writing to us at Cyberguy.com/Contact

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  • Google confirms data stolen in breach by known hacker group

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    When a hospital or nonprofit falls victim to a cyberattack, it’s hard to place blame. Cybersecurity isn’t their strength, and many lack the budget for a dedicated security team, let alone a chief technology officer.

    But when a tech giant like Google experiences a data breach, it raises serious questions. Is data security slipping down the company’s priority list? Or are today’s cybercriminals so advanced that even Google’s top engineers are struggling to keep up?

    Here’s what happened: Google recently confirmed that hackers stole customer data by breaching one of its internal databases. The breach targeted a system that used Salesforce, a popular cloud-based platform companies use to manage customer relationships, store business contact information and track interactions. The attack has been linked to a known threat group.

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    DIOR DATA BREACH EXPOSES US CUSTOMERS’ PERSONAL INFORMATION

    A Google sign on the side of a building (Kurt “CyberGuy” Knutsson)

    What you need to know about Google data breach

    Google has confirmed that a hacking group known as ShinyHunters stole customer data from one of its internal Salesforce databases used to manage business client relationships. The company disclosed the breach in a blog post published in early August, noting that the stolen data included “basic and largely publicly available business information, such as business names and contact details.”

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    The breach was carried out by ShinyHunters, a well-known cybercriminal group formally tracked as UNC6040. The group has recently been linked to a string of high-profile incidents involving companies such as AT&T, Ticketmaster, Allianz Life and Pandora. In this case, the attackers targeted Google’s corporate Salesforce system, which the company uses to store contact information and notes about small and medium-sized businesses.

    According to Google’s Threat Intelligence Group, the attackers relied on voice phishing, or “vishing,” impersonating company employees in phone calls to IT support and persuading them to reset login credentials. This technique has proven effective against multiple organizations in recent months.

    google hackers 2

    A man using the Google search engine on his laptop   (Kurt “CyberGuy” Knutsson)

    No company is safe from cyberattacks

    Google did not specify how many customers were affected by the breach. When asked for comment, a company spokesperson pointed CyberGuy back to the blog post and declined to elaborate. It is also unclear whether Google has received any sort of ransom demand from the group.

    Cisco, Qantas and Pandora have all reported similar breaches in recent months, which now appear to be part of a broader campaign targeting cloud-based customer relationship management tools.

    In its blog post, Google warned that ShinyHunters may be preparing a public leak site. Ransomware gangs often use this tactic to extort companies, threatening to publish stolen data. The group reportedly shares infrastructure and personnel with other cybercriminal collectives, including The Com, which runs extortion campaigns and has, in some cases, issued threats of physical violence. 

    google hackers 3

    Google search engine (Kurt “CyberGuy” Knutsson)

    9 ways to stay safe from voice phishing and social engineering attacks

    While organizations like Google may be prime targets, individuals are often the weakest link that attackers exploit. But with a few smart practices, you can dramatically reduce your risk.

    1. Never share login credentials over the phone

    The Google breach happened because employees gave up sensitive information over a phone call. No legitimate IT team will ever ask you to share your password or 2FA codes over the phone. If someone does, it’s a major red flag.

    2. Always verify who’s calling

    If someone claims to be from your company’s IT department or a service provider, hang up and call back using an official number. Never trust the number displayed on caller ID.

    3. Enable two-factor authentication (2FA)

    Even if credentials are compromised, two-factor authentication (2FA) can block unauthorized access by adding an extra layer of security. It ensures that a password alone isn’t enough to break into your accounts.

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    4. Beware of phishing links too

    Phishing emails and messages often include links that take you to fake websites designed to steal your login credentials or personal information. These messages usually create a sense of urgency, asking you to verify an account, reset a password or claim a reward. Instead of clicking the link, take a moment to inspect the message.

    The best way to safeguard yourself from malicious links is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

    Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com/LockUpYourTech

    5. Use a data removal service

    Attackers are able to carry out phishing, smishing and vishing attacks because your personal data is readily available online. The less of it that’s publicly accessible, the harder it becomes for them to craft convincing scams.

    While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time.

    Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/Delete

    Get a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan

    6. Keep your software and browsers up to date

    Attackers often exploit outdated software with known vulnerabilities. Make sure your operating system, browsers, plugins and apps are always running the latest version. Enable auto updates wherever possible to avoid missing critical patches.

    7. Use a password manager with phishing detection

    A good password manager doesn’t just store strong, unique passwords; it can also alert you if you’re on a suspicious site. If your password manager refuses to autofill your login, it could mean the site is fake.

    Check out the best expert-reviewed password managers of 2025 at Cyberguy.com/Passwords

    8. Monitor your accounts for unusual activity

    If you suspect a breach, watch your accounts for unauthorized logins, password reset emails or other suspicious behavior. Set up alerts when possible. Many online services offer login notifications or dashboards that show recent access history.

    9. Report phishing attempts

    If you receive a vishing or phishing attempt, report it to your organization’s IT/security team or the appropriate government agency (like reportfraud.ftc.gov in the U.S.). Reporting helps shut down these scams faster and can protect others.

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    Kurt’s key takeaway

    While the data exposed in Google’s case may be limited, the breach highlights a persistent vulnerability in corporate systems: people. ShinyHunters seems to be getting more effective at exploiting that weakness. What’s even more concerning is the rise of vishing, also known as voice phishing. Vishing isn’t new, but its growing success shows just how fragile even well-defended systems can be when human error is involved.

    How confident are you in your company’s cybersecurity awareness training? Let us know by writing to us at Cyberguy.com/Contact

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    Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM/NEWSLETTER 

    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • Cigarette butts make roads stronger than ever before

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    Cigarette butts are the most littered item on the planet. People toss out an estimated 4.5 trillion cigarette butts each year, and that number may double by the end of 2025 as e-cigarette use grows. These small, toxic waste items pollute city streets, beaches and waterways. They also take years to break down.

    But that may be starting to change. Scientists have developed a way to recycle cigarette butts into asphalt, creating roads that are both stronger and more sustainable. Research teams from the University of Granada in Spain and the University of Bologna in Italy have studied the process closely, highlighting its potential to improve road performance while cutting down on waste.

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    OOH LA LAW: FRANCE SNUFFING OUT SMOKING IN PARKS, BEACHES, MORE

    A littered cigarette butt on an asphalt road   (Kurt “CyberGuy” Knutsson)

    Why cigarette butts make a good asphalt additive

    Modern road construction often relies on additives to improve the strength and flexibility of asphalt. Some road-building materials already use cellulose fibers like those found in cigarette filters. That sparked the idea to take used butts, clean them up and put them to work.

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    E-cigarette filters are especially promising. They are longer and packed with fibers like cellulose and polylactic acid (PLA) fibers, making them ideal for reinforcing asphalt. 

    cigarette butt recycling 2

    Person holding cigarette butt in hand    (Kurt “CyberGuy” Knutsson)

    How cigarette butts are recycled into road material

    The recycling process involves several steps:

    1. Collecting and sorting: Filters from traditional and e-cigarettes go through a collection and cleaning process. Ash and residue are removed, leaving behind usable fiber material.

    2. Shredding and mixing: Machines shred the cleaned fibers and combine them with synthetic hydrocarbon wax, which serves as a binder.

    3. Pellet formation: The blended material is pressed, heated and cut into small pellets that can be easily stored and transported.

    4. Asphalt integration: These pellets are added to reclaimed asphalt and bitumen. During heating, the pellets melt and release reinforcing fibers that strengthen the final asphalt mix.

    Up to 40% of the final road material can come from these recycled components.

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    Stronger roads and a cleaner planet thanks to cigarette butt recycling 

    Recycled cigarette butts make asphalt stronger, more flexible and longer-lasting. The fibers released during mixing act as micro reinforcement, improving fatigue resistance and helping roads withstand heavy traffic and temperature changes. The wax in the pellets lowers the temperature needed to mix asphalt, reducing both energy use and emissions during production. Beyond performance, this method gives cigarette waste a second life. By repurposing billions of discarded filters, cities can reduce litter and pollution while building more sustainable infrastructure.

    cigarette butt recycling 3

    Illustration of a traditional roadway surface (Kurt “CyberGuy” Knutsson)

    What cities are doing next with recycled cigarette butts 

    This technique is still emerging, but interest is growing worldwide. In Bratislava, Slovakia, city officials have already started collecting cigarette butts specifically for road construction. One road built with this recycled asphalt is already in use, setting an example for other cities to follow.

    As more pilot projects roll out and awareness spreads, cigarette butts could shift from toxic litter to a valuable resource in sustainable infrastructure.

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    Kurt’s key takeaway

    Recycling cigarette butts into asphalt solves two problems at once. It clears toxic waste from public spaces and makes roads that last longer. This approach turns one of the world’s most common pollutants into a valuable construction material. As more cities explore cleaner, smarter infrastructure, this kind of solution could play a big role in the future of street design.

    Would you support roads built with recycled cigarette butts in your city?  Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • Google AI email summaries can be hacked to hide phishing attacks

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    Artificial intelligence is everywhere these days — in your phone, your car, even your washing machine. I saw one just the other day featuring built-in AI. And while that might sound a little over the top, there’s no denying that artificial intelligence has made life easier in a lot of ways.

    From boosting productivity to unlocking new creative tools, it’s changing how we work and live. The most common version you’ve probably encountered? Generative AI, think chatbots like ChatGPT. But as helpful as this tech can be, it’s not without its problems.

    If you’ve used Google’s Workspace suite, you may have noticed the company’s AI model, Gemini, integrated across apps like Docs, Sheets and Gmail. Now, researchers say attackers can manipulate Gemini-generated email summaries to sneak in hidden phishing prompts.

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    HOW AI IS NOW HELPING HACKERS FOOL YOUR BROWSER’S SECURITY TOOLS

    Google Gemini app on a mobile device  (Kurt “CyberGuy” Knutsson)

    How Gemini summaries can be hacked

    Researchers at Mozilla’s 0Din have discovered a vulnerability in Google’s Gemini for Workspace that allows attackers to inject hidden instructions into email summaries. The issue, demonstrated by Marco Figueroa, shows how generative AI tools can be misled through indirect prompt injection. This technique embeds invisible commands inside the body of an email. When Gemini summarizes the message, it interprets and acts on those hidden prompts.

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    The attack does not rely on suspicious links or attachments. Instead, it uses a combination of HTML and CSS to conceal the prompt by setting the font size to zero and the color to white. These commands remain invisible in Gmail’s standard view but are still accessible to Gemini. Once you request a summary, the AI can be tricked into presenting fake security alerts or urgent instructions that appear to come from Google.

    In a proof of concept, Gemini falsely warned a user that a Gmail password had been compromised and included a fake support phone number. Since Gemini summaries are integrated into Google Workspace, you are more likely to trust the information, making this tactic especially effective.

    google sign

    A Google sign on a building   (Kurt “CyberGuy” Knutsson)

    What is Google doing about the flaw?

    While Google has implemented defenses against prompt injection since 2024, this method appears to bypass current protections. The company told CyberGuy it is actively deploying updated safeguards.

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    In a statement, a Google spokesperson said, “Defending against attacks impacting the industry, like prompt injections, has been a continued priority for us, and we’ve deployed numerous strong defenses to keep users safe, including safeguards to prevent harmful or misleading responses. We are constantly hardening our already robust defenses through red-teaming exercises that train our models to defend against these types of adversarial attacks.”

    Google also confirmed that it has not observed active exploitation of this specific technique.

    google gemini

    Google Gemini app on the home screen of a mobile device    (Kurt “CyberGuy” Knutsson)

    6 ways you can stay safe from AI phishing scams

    So, how can you protect yourself from phishing scams that exploit AI tools like Gemini? Here are six essential steps you can take right now to stay safe:

    1. Do not blindly trust AI-generated content

    Just because a summary appears in Gmail or Docs does not mean it is automatically safe. Treat AI-generated suggestions, alerts or links with the same caution you would any unsolicited message. Always verify critical information, such as security alerts or phone numbers, through official sources.

    2. Avoid using summary features for suspicious emails

    If an email seems unusual, especially if it is unexpected or from someone you do not recognize, avoid using the AI summary feature. Instead, read the full email as it was originally written. This lowers the chance of falling for misleading summaries.

    3. Beware of phishing emails and messages

    Watch for emails or messages that create a sense of urgency, ask you to verify account details or provide unexpected links or contact information, even if they appear trustworthy or come from familiar sources. Attackers can use AI to craft realistic-looking alerts or requests for sensitive information, sometimes concealed within automatically generated summaries. So, always pause and scrutinize suspicious prompts before responding. 

    The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

    Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com/LockUpYourTech 

    4. Keep your apps and extensions updated

    Ensure that Google Workspace and your browser are always running the latest version. Google regularly releases security updates that help prevent newer types of attacks. Also, avoid using unofficial extensions that have access to your Gmail or Docs.

    5. Invest in a data removal service

    AI-driven scams like the Gemini summary attack don’t happen in a vacuum. They often begin with stolen personal information. That data might come from past breaches, public records or details you’ve unknowingly shared online. A data removal service can help by continuously scanning and requesting the removal of your information from data broker sites. While no service can wipe everything, reducing your digital footprint makes it harder for attackers to personalize phishing attempts or link you to known breach data. Think of it as one more layer of protection in a world where AI makes targeted scams even easier.

    Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com/Delete

    Get a free scan to find out if your personal information is already out on the web: Cyberguy.com/FreeScan

    6. Disable AI summaries for now if you’re concerned

    If you’re worried about falling for an AI-generated phishing attempt, consider disabling Gemini summaries in Gmail until Google rolls out stronger protections. You can still read full emails the traditional way, which can lower your risk of being misled by manipulated summaries.

    How to disable Gemini features on desktop

    • Open Gmail on desktop.
    • Click the Settings gear icon in the upper right.
    • Click See all settings.
    • Scroll to “Google Workspace smart features” and click Manage Workspace smart feature settings.
    • Disable the toggle for Smart features in Google Workspace.
    • Then, click Save.
    • Note: This will turn off Gemini summaries as well as other smart features.

    How to disable Gemini features on mobile

    On iPhone:

    If you use the Gemini mobile app specifically:

    • Open the Gemini app.
    • Tap your Profile picture.
    • Tap Gemini Apps Activity.
    • At the top, tap Turn off.

    On Android:

    Settings may vary depending on your Android phone’s manufacturer

    • Open the Gmail app on your Android.
    • Tap the Menu icon (three horizontal lines) in the upper left corner.
    • Scroll down and tap Settings.
    • Select the relevant email account.
    • Scroll down and tap Google Workspace smart features and uncheck the box to turn them off.

    Key caveats to know:

    • Disabling Smart Features may remove other convenient functionalities, such as predictive text and automatic appointment detection.
    • The Gemini icon or summary buttons may still appear, even after disabling these features. Some users report having to physically hide them via browser tools.

    There is no centralized single “off switch” to completely remove all Gemini AI references everywhere, but these steps significantly reduce the feature’s presence and risk.

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    Kurt’s key takeaway

    This vulnerability highlights how phishing tactics are evolving alongside AI. Instead of relying on visible red flags like misspelled URLs or suspicious attachments, attackers are now targeting trusted systems that help users filter and interpret messages. As AI becomes more deeply embedded in productivity tools, prompt injection could emerge as a subtle but powerful vector for social engineering, hiding malicious intent in the very tools designed to simplify communication.

    How comfortable are you letting AI summarize or filter your emails, and where do you draw the line? Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • Would you eat at a restaurant run by AI?

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    In the heart of Dubai, just steps from the Burj Khalifa, the future of food is taking shape. A new restaurant called Woohoo plans to serve more than just dinner. 

    It offers a futuristic food experience designed in part by artificial intelligence

    Opening in September, Woohoo calls itself “dining in the future.” But what does that actually mean?

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    FOX NEWS AI NEWSLETTER: MIKE ROWE’S PREDICTION ON AMERICAN JOBS

    The Woohoo restaurant driven by AI in Dubai (Woohoo)

    How Chef Aiman powers Dubai’s AI-driven restaurant menu

    At Woohoo, your waiter might be human, but the creative mind behind your dish is not. That job belongs to Chef Aiman, a large language model trained on food science, global culinary traditions and molecular gastronomy. The name Aiman blends “AI” and “man,” reflecting the partnership between technology and human creativity. Aiman doesn’t taste or smell. Instead, it analyzes ingredients by texture, acidity, umami and dozens of other variables to invent dishes that push boundaries.

    Woohoo offers rotating menus that fuse global cuisines, designed entirely by this AI chef. Expect bold flavors, artistic presentation and creative combinations you won’t find anywhere else. Each visit brings something new, exciting and full of surprises. However, Woohoo goes far beyond the plate.

    GET FOX BUSINESS ON THE GO BY CLICKING HERE

    Unlike a typical restaurant, it uses artificial intelligence to shape your entire dining journey. From the lighting and sound to the pace of service and flow of the meal, every detail is curated by AI. The goal is to create a multi-sensory experience that feels futuristic but still personal. While the dishes challenge tradition, the atmosphere adapts to create a mood that feels just right, every time. Then comes the human touch.

    ai restaurant 2

    Interior of the Woohoo restaurant driven by AI in Dubai  (Woohoo)

    Why human chefs still play a key role at Woohoo

    While Chef Aiman designs the initial recipes, Dubai-based chef Reif Othman and his kitchen team take charge of refining each dish. They taste, adjust and perfect the AI-created ideas to ensure the flavors and presentation meet high culinary standards. This collaboration blends the precision and innovation of AI with the experience and intuition of skilled chefs. Rather than replacing human creativity, Chef Aiman enhances it by opening new possibilities and inspiring chefs to explore unique flavor combinations. 

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    How Woohoo uses AI to cut kitchen waste and boost sustainability

    Chef Aiman is trained to reuse ingredients many kitchens throw away, like fat and trimmings. These otherwise discarded components become key ingredients in entirely new dishes. Ahmet Oytun Cakir, one of the founders and the CEO of Gastronaut, says this feature could help reduce kitchen waste worldwide. Eventually, the hope is to license Chef Aiman to restaurants around the globe.

    Ai REstaurant 3

    nterior of the Woohoo restaurant driven by AI in Dubai (Woohoo)

    What this means for you

    If you’re planning a trip to Dubai, Woohoo offers more than a photo-worthy meal. It’s a chance to taste what happens when artificial intelligence and culinary artistry work hand in hand. Beyond the dining room, this experiment has bigger implications. AI could help chefs everywhere become more sustainable, more creative and more efficient without losing the human touch that makes food special.

    CLICK HERE TO GET THE FOX NEWS APP

    Kurt’s key takeaways

    Woohoo isn’t just another flashy concept. It’s part of a bigger shift in how we think about food, tech and creativity. AI isn’t taking over the kitchen. It’s teaming up with real chefs to spark new ideas and reduce waste. Whether you’re a foodie looking for something new, a tech geek chasing the next innovation or just curious about what’s next, Woohoo gives you a front-row seat to the future of dining. And, yes, you can taste it.

    Would you trust an AI to design your next fine dining experience, or should some things stay purely human? Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • 159-year-old company embraces driverless trucks

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    NEWYou can now listen to Fox News articles!

    A bold new pilot program is bringing autonomous trucking to the heart of Texas. Steves & Sons, a sixth-generation American door maker, just partnered with autonomous freight startup Bot Auto and logistics giant J.B. Hunt. 

    The goal? Launch a real-world test of driverless freight deliveries between San Antonio, Dallas and Houston. That means robots are about to hit some of the country’s busiest shipping lanes, with doors in tow.

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    HAWLEY URGES DOJ PROBE OF CHINESE TRUCKING COMPANY

    Bot Auto is running disengagement-free routes in Houston, Texas  (Bot Auto)

    Steves & Sons partners with Bot Auto for driverless freight

    For over 150 years, Steves & Sons has delivered high-quality millwork to builders and homeowners. Now, it’s making history again, this time by modernizing the supply chain. The pilot will use Bot Auto’s driverless trucks to carry freight between manufacturing plants and customers. These are not fantasy test runs. These are real orders, real deliveries and real stakes. J.B. Hunt, which already manages logistics for Steves & Sons, will oversee how autonomous freight fits into their broader transportation system.

    WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

    driverless trucks 2

    Bot Auto is running disengagement-free routes in Houston, Texas (Bot Auto)

    Why autonomous trucking in Texas could reshape freight

    More than 70% of U.S. freight moves by truck. Rising costs, driver shortages and tight delivery windows all add pressure. Bot Auto claims its technology can do more than keep up; it can outperform. Its Level 4 autonomy doesn’t need a driver in the cab. That means longer hauls, fewer delays and potentially lower costs. The big takeaway? Autonomy is moving from hype to hardware.

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    driverless truck 3

    Bot Auto is running disengagement-free routes in Houston, Texas (Bot Auto)

    What this means for you

    If you’re in manufacturing, retail or logistics, this pilot is a sign of things to come. Autonomous trucking could soon reduce shipping costs, shrink delivery windows and reshape how supply chains are built. And for consumers? It might mean faster delivery of big-ticket items like doors, furniture or appliances. Steves & Sons is betting that smart logistics will make it even more competitive and more sustainable.

    CLICK HERE TO GET THE FOX NEWS APP

    Kurt’s key takeaways

    This move marks more than a tech test; it’s a signal. Steves & Sons, J.B. Hunt and Bot Auto are rethinking what freight delivery can be. They’re putting automation to work in a high-volume, real-world setting that could serve as a model nationwide. Autonomous trucking still has hurdles to clear, including regulation, safety and public trust. But this Texas pilot could be one of the first true benchmarks of commercial viability.

    Would you trust an autonomous truck to deliver your next major purchase or share the highway with one? Let us know by writing to us at Cyberguy.com/Contact

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    Copyright 2025 CyberGuy.com.  All rights reserved.  

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  • Why Millions Are Suddenly Obsessed With Smart Notebooks – and What It Says About the Future of Productivity

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    How a Single Social Media Video Sparked a Productivity Craze and Revealed a Surprising Shift in Consumer Trends

    In just a few days, a single viral TikTok has sparked an unexpected buying frenzy, prompting thousands to scramble for a cutting-edge notebook powered by artificial intelligence. But why exactly are so many eager to get their hands on it?

    The video that ignited the buzz demonstrated a notebook capable of instantly digitizing handwritten notes, allowing users to search, organize, and interact with their notes digitally – essentially turning handwritten pages into smart, searchable content. In just 72 hours, the video gained more than 15 million combined views on TikTok and Instagram, causing a sudden surge in sales and overwhelming XNote, the startup behind it.

    XNote Marketing Manager Jessica West explains the viral appeal. “People are naturally attached to the tactile experience of handwriting, but traditional note-taking can feel outdated and inefficient. Our notebook seamlessly combines the familiar act of handwriting with powerful AI-driven tools, solving common frustrations like losing notes or manually transcribing pages.”

    The notebook has particularly resonated with students, creatives, and busy professionals looking to merge traditional note-taking methods with modern productivity tools. This surprising trend suggests a broader shift toward “smart analog” solutions – products that enrich traditional experiences through integrated digital technology.

    West believes this viral moment points to a larger transformation. “We’re witnessing a significant shift in consumer expectations for everyday tools. People now want the best of both worlds: the comfort and authenticity of analog methods, enhanced by the convenience and intelligence of digital technology.”

    With inventory quickly running out and interest continuing to soar, it’s clear this AI-powered notebook has tapped into something bigger than just a fleeting trend. Could this hybrid product signal the future of productivity?

    Thousands of new users seem convinced it’s exactly what they’ve been waiting for.

    Watch on TikTok: https://www.tiktok.com/@thejunglebadger/video/7487649705502018838

    Watch on Instagram: https://www.instagram.com/thejunglebadger/reel/DH1KmpXIpBI/

    Source: XNote

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  • New Study: Third-Grade Scores Predict District-Wide Success on Georgia Milestones

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    The 2023-2024 Georgia Milestones data reveals that third-grade literacy plays a pivotal role in students’ long-term success.

    Third grade can be the make-or-break moment in a student’s academic journey, and this year’s 2023-2024 Georgia Milestones Assessment data underscores just how critical early literacy is. The results reveal a striking trend: districts that performed well in third grade saw continued success across all future grade levels, while those that struggled in third grade faced persistent challenges.

    A new comprehensive study of 15 Georgia school districts examined the link between early literacy achievement and long-term academic outcomes. Researchers analyzed reading proficiency rates for grades 3-12 to identify patterns and correlations, accounting for district size, demographics, and geographic diversity, ensuring a broad and representative analysis.

    The findings are clear: third-grade reading proficiency strongly predicts future academic success, with an 81% correlation between early gains and later gains. Students who met reading benchmarks in third grade were far more likely to excel in later grades, graduate high school, and succeed in college and careers. Conversely, those who fell behind often struggled to catch up, widening the learning gap over time.

    “In education, we often talk about closing learning gaps, but this research highlights how important it is to prevent them in the first place,” said Ron Kirschenbaum, Managing Partner at ReadTheory. “By focusing on foundational literacy skills in third grade, schools can significantly alter the academic trajectory of their students.”

    Many Georgia districts are already integrating evidence-based literacy solutions that align with state standards. ReadTheory, in particular, has gained much traction among educators.

    Julia Buff, a teacher in Douglas County, shared, “ReadTheory has helped my students grow, ensuring they are very prepared for our state test at the end of the year.”

    The study also revealed that districts using ReadTheory achieved an average proficiency rate of 56% on the 2023-2034 Georgia Milestones, compared to just 15% in districts that didn’t use the program. This 3.7x difference underscores the platform’s role in strengthening literacy at every stage of learning. The data aligns with the Nation’s Report Card by the National Assessment of Educational Progress, which found that only 30% of Georgia fourth graders and 31% of eighth graders are proficient in reading.

    Grounded in the science of reading, ReadTheory is supporting schools in closing the achievement gap and fundamentally shaping brighter futures for their students. Educators and administrators interested in learning more about ReadTheory’s impact are encouraged to explore the platform and request an introduction for deeper insights.

    About ReadTheory
    ReadTheory is an adaptive reading platform that helps students build essential literacy skills through engaging, personalized practice. Trusted by millions of educators worldwide, ReadTheory delivers real-time insights and effortless differentiation – so every student gets the right support to grow. For more information, visit www.readtheory.org.

    Source: ReadTheory

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  • HiDock Announces Pre-Launch of HiDock P1: A Revolutionary AI Voice Recorder for Meetings Anywhere

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    HiDock is back! Introducing its third crowdfunding product-the HiDock P1, an AI Voice Recorder for Meetings Anywhere.

    Building on a strong legacy of innovation, HiDock has continuously pushed the boundaries of meeting efficiency.

    The first-generation HiDock Speakerphone was backed by 1,120 supporters, raising HK$1,300,696 on Kickstarter.

    The second-generation HiDock H1,an AI recorder with an 11-in-1 Docking Station, achieved even greater success, amassing HK$4,864,911 from 2,646 backers.

    Following these milestones, HiDock expanded to an independent online store, reaching 100k+ users within a year.

    Now, the HiDock P1 takes innovation even further, solving a major pain point based on valuable user feedbackseamless AI meeting summary through Bluetooth earphones. We’ve designed P1 to address the need for effortless recording, ensuring every conversation is captured with crystal-clear accuracy, whether you’re at an airport, café, or on the move. This makes work more efficient and ideas easier to capture than ever.

    Designed for modern professionals, remote workers, and creatives, HiDock P1 combines AI-powered transcription, multi-mode recording, and studio-quality microphones to deliver an unparalleled recording experience in any situation.

    To celebrate the upcoming launch, HiDock is offering an exclusive early-bird reservation event, giving users a chance to secure their HiDock P1 up to 53% off.

    Lock in your offer and get a first look at P1’s features-click here.

    About HiDock
    Founded in 2014, we are a leading innovator in personal communication devices. During the past few years, our audio DSP technology has powered over 500K devices, from smart home appliances to automobiles and teleconference devices. Our customers presently include Acuity Brands, Bang&Olufsen, Lavazza, Iveco, Newline, and TP-Link, to name just a few.

    We successfully launched our first-generation product, the HiDock Conference Speakerphone, and the second-generation HiDock H1, a ChatGPT-powered audio dock, on Kickstarter. Both have earned the trust and appreciation of users worldwide.

    We envision the AI-powered communication device would greatly enhance human productivity. We are relentlessly working for people to achieve more with better communication experiences.

    Contact Information

    Source: HiDock

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  • How Baker Tilly Toronto supports insurance providers in transition – MoneySense

    How Baker Tilly Toronto supports insurance providers in transition – MoneySense

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    For professional advisors like Baker Tilly Toronto, staying current in this business landscape is critical. And for insurance intermediaries, the key to thriving in this environment is to partner with experts like Baker Tilly Toronto that offer specialized expertise and strategic guidance.

    Steven Frye, Baker Tilly Toronto

    An ever-changing business landscape

    “With the massive transfer of wealth currently going from one generation to the next, there’s a lot of consolidation going on,” explains Steven Frye, partner, audit, valuations and corporate finance at Baker Tilly Toronto, a leading independent audit, tax and advisory firm. “And private equity groups have driven the value of insurance brokerages up to a level that I didn’t even think was possible 20 years ago.”

    While the rise of brokerage valuations is a good thing for owner-operated businesses, it also creates new complexities, such as increased competition, succession planning complications and the need for strategic planning to maximize value during transitions.

    Technological advancements and the increasing use of artificial intelligence (AI) add further layers of market disruption. “AI is changing the way the insurance industry operates,” says Frye. “Twenty-five years ago, this was all just a concept.”

    These disruptors threaten insurance providers’ stability and growth trajectory. Fortunately, Baker Tilly Toronto specializes in the insurance industry, providing personalized, specialty support through its team’s in-depth knowledge of financial, regulatory, compliance, technological, operational, benchmarking and bookkeeping issues related to the market.

    “We stay current with what the issues are. A key to being a trusted advisor is to really understand where the client is at the moment.”

    Steven Frye

    Introducing Baker Tilly  

    Frye is a founding member of Baker Tilly Toronto, part of the Baker Tilly cooperative. He brings over 25 years of expertise in the valuation of insurance brokerages and consulting for companies in the financial services, manufacturing and technology-based industries. Frye’s experience in a broad range of specialty services (acquisitions and divestures, corporate finance, litigation support, regulatory matters and operations consulting) exemplifies Baker Tilly Toronto’s unique ability to address its clients’ needs successfully.

    The firm’s well-trained teams work across a variety of disciplines to align their skills with client requirements, ensuring exceptional outcomes. In addition to providing assurance, valuation and corporate finance services to the insurance industry, Baker Tilly Toronto also helps clients with planning, operations and profitability.

    “We stay current with what the issues are,” says Frye. “A key to being a trusted advisor is to really understand where the client is at the moment.” Baker Tilly Toronto offers strategic expertise to keep insurance providers competitive in the disrupted market. From succession planning to corporate finance, the firm works with insurance providers to ensure their businesses are well-positioned for the future.

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    Tania Amardeil

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  • Office vacancy levels soar to record highs in biggest Bay Area markets

    Office vacancy levels soar to record highs in biggest Bay Area markets

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    SAN JOSE — The Bay Area’s three primary office markets, haunted by empty buildings, have reached forbidding new milestones of record-high vacancy levels, according to a grim new report.

    Silicon Valley, which roughly equates to Santa Clara County; downtown Oakland; and San Francisco all hit record-high office vacancy rates in the most recent three-month period, JLL, a commercial real estate firm, reported in separate surveys of those markets.

    Downtown Oakland, as seen in a July 2024 drone picture. (Jane Tyska/Bay Area News Group)

    Tenants continue to seek ways to reduce their corporate footprints, a dynamic that is keeping office vacancies at brutal levels.

    JLL measured the vacancy levels for the July-through-September period.

    San Francisco's skyline silhouettes against a scarlet sunset, Thursday, Jan. 4, 2024. Weather forecasts predict return of rain to the region on Saturday. (Karl Mondon/Bay Area News Group)
    Sunset arrives in San Francisco. (Karl Mondon/Bay Area News Group)

    Here are the details for each market in the third quarter:

    — San Francisco, which is locked in what numerous experts believe is an economic “doom loop”, posted a third-quarter vacancy rate of 34.5%.

    — Downtown Oakland’s office vacancy rate was 29.1%.

    — Silicon Valley reported an office vacancy level of 22%.

    In all three instances, the vacancy levels rocketed to record highs, according to JLL researchers for each market.

    Despite the ominous statistics, JLL researchers believe some signs of hope have begun to emerge for the battered Bay Area office markets.

    “Leasing activity in Silicon Valley is up 21.6% from the previous quarter,” JLL reported in their assessment of the South Bay office market for the third quarter. “The San Jose Airport and Santa Clara submarkets led the activity, accounting for 22.7% and 18.2% of deals, respectively.”

    In downtown Oakland, the July-through-September quarter was bleak with little room for optimism. Downtown Oakland’s office market was sluggish at best.

    Leasing activity, the number of rental deals and the average lease size declined in the July-September period compared with the April-through-June quarter in downtown Oakland.

    Downtown Oakland also faces an ominous challenge due to huge blocks of office space being vacant.

    “Two more full floors came to the market this quarter” in downtown Oakland, JLL reported. “Clorox listed another floor for sublease at 1221 Broadway and APEN’s former space at 426 17th Street was listed. This brings the total number of full floors available to 133 in downtown Oakland.”

    Put another way, if a typical Oakland office highrise is 20 stories high, 133 empty floors could equate to six or seven completely vacant office towers in downtown Oakland.

    San Francisco is — by far — the worst of the three office markets, with a vacancy rate that is 5 to 12 percentage points higher than downtown Oakland or Silicon Valley.

    “Vacancy increased to 34.5%” in San Francisco, “largely due to continued consolidation” by office tenants in the city’s Financial District, JLL reported.

    Even worse, office rental rates are particularly weak in San Francisco. Rents are roughly 33% below the levels seen in 2019, the final full year before coronavirus-spawned business shutdowns began in 2020.

    The JLL report did offer some hope for these three key office markets — although the reports warned that any real improvement in vacancy levels won’t materialize until sometime in 2025.

    “Return-to-office rates have trended upward, 6% higher than this time last year” in San Francisco, JLL reported. “Remote job postings are also down 16% year-over-year. Both indicate that companies are shifting away from a remote-friendly work environment.”

    Some encouraging signs for downtown Oakland have emerged due to government entities seeking to rent or own office spaces in the East Bay city’s urban core.

    “Downtown Oakland has seen stabilization among its public sector tenants, including major commitments from BART PD, the FBI, and FEMA,” JLL reported. “As remote work mandates shift, so will workweek activity shift in downtown Oakland.”

    Silicon Valley is starting to see a big increase in tenant demand as companies scout for office space to a greater extent, JLL reported.

    “JLL is tracking approximately three million square feet of office requirements, a 21.4% increase” in the third quarter compared with the second quarter, JLL reported.

    Plus, more tenants scouted for much larger spaces in the July-through-September third quarter than they did in the April-through-June second quarter.

    “While smaller requirements see higher demand and activity, 100,000-plus square feet requirements have tripled this year, signaling potential new deals,” JLL stated.

     

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  • Unbelievable facts

    Unbelievable facts

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    In the 2000s, Google, Apple, Adobe, and Intel agreed not to hire each other’s employees to suppress…

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  • How to Leverage Fintech for Efficient Cash Management | Entrepreneur

    How to Leverage Fintech for Efficient Cash Management | Entrepreneur

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    Opinions expressed by Entrepreneur contributors are their own.

    With limited resources and tough competition, efficient cash management can make or break your business. One major challenge is unpredictable cash flow, which often results from irregular sales cycles or delayed client payments. A 2023 QuickBooks survey revealed that 61% of small business owners find cash flow to be their biggest hurdle. This inconsistency can make it tough to plan and ensure there’s enough capital to cover essential expenses.

    Startups often rely on manual processes for things like invoicing, expense tracking, and financial reporting. These old-school methods can lead to errors, inefficiencies and a lack of real-time financial visibility. With tight budgets and limited expertise, managing cash flow becomes even more challenging. Tasks like reconciling multiple bank accounts and forecasting future cash flow can be overwhelming without the right tools. That’s why startups need a smarter approach to cash management, and fintech solutions are here to help.

    Related: How to Properly Manage the Cash Flow of Your Startup

    1. Fintech brings financial transparency

    There are tools that offer real-time payments and notifications, keeping you instantly informed about the status of your transactions. This means you can spot and address any issues right away, helping you stay on top of your finances and avoid any unexpected surprises.

    On top of real-time tracking, these tools can also forecast your future cash flow. They use past data and current trends to predict what your cash flow will look like down the road. This helps you plan better and avoid running into cash shortages. By knowing what to expect, you can make smarter decisions and ensure you have enough funds to cover future expenses, making your financial management smoother and more predictable.

    2. Perfect your numbers

    Fintech tools make keeping your financial records accurate by automating data entry, so you don’t have to do it all manually. For instance, payment software can automatically link with your accounting software and update your records for you. This reduces the chance of mistakes and keeps everything accurate without all the manual work.

    This means they can catch issues before they become big problems, helping you keep your records in check and avoiding costly mistakes.

    Related: Busywork Sucks — How Automation Can Eliminate Boring Tasks for Entrepreneurs

    3. Cut costs and streamline operations

    Fintech tools can help you save time and money by automating everyday financial tasks. They take care of invoicing, expense management and payroll automatically. This means you and your team spend less time on admin tasks and more on important work that helps your startup grow and even thrive.

    Digital payment solutions usually come with lower transaction fees than traditional banking methods. These services have cheaper processing costs as compared to the slow payment options, which helps you keep your budget in check. This way, you can manage your finances more efficiently and save on unnecessary expenses.

    4. Stay agile and make quick decisions

    Fintech solutions make transactions super-fast, so you can jump on financial opportunities or tackle needs instantly. With features like instant payments and real-time bank updates, you can make quick decisions that keep you winning and ready to respond to changes.

    Fintech tools provide detailed financial reports and analytics that help users make smart choices quickly. For startups, where timing is everything, having easy access to clear financial information lets users stay flexible and adapt on the fly. This agility helps users drive growth and challenges more smoothly.

    Related: Slow Payment Options Are Costing Your Business — Here’s the Alternatives of the Future

    Getting started with fintech

    So, how can you get fintech solutions working seamlessly in your startup? Here’s a simple strategy from my experience. Start with the basics — focus on core tools that address your immediate needs, like cash flow forecasting or automated invoicing and billing. Once you’re comfortable with these, you can gradually introduce more advanced tools, such as expense management systems or detailed financial analytics. Make sure the tools you choose integrate smoothly with your current systems to avoid disruptions and keep things running efficiently.

    Investing in training is also important. Around 70% of organizations provide training for their staff to effectively use new technologies. Proper training helps your team maximize the benefits of your fintech tools. Your team must know how to use the software and troubleshoot common issues. Many fintech providers offer training resources and ongoing support to help with this. Regular check-ins with your provider will update you on new features and best practices.

    Lastly, keep a close eye on how your fintech tools are performing. Regularly review their effectiveness to ensure they meet your needs and spot any inefficiencies. Be ready to adapt as your business grows or as new fintech solutions become available. Flexibility is essential for maintaining efficient cash flow management strategies and ensuring your startup stays on top of its financial game.

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    Nick Chandi

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  • “Are You Saying No to Elon Musk?”: Scenes from the Slash-and-Burn Buyout of Twitter

    “Are You Saying No to Elon Musk?”: Scenes from the Slash-and-Burn Buyout of Twitter

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    At around 9:00 a.m. on October 27, 2022, Parag Agrawal, the CEO of Twitter, summoned his leadership team into one of the large glass-doored conference rooms that lined the suite of offices on the seventh floor of Twitter’s San Francisco headquarters. After months of tension and worry, there was a grim clarity in the air—Musk was finally completing the acquisition.

    Twitter’s top-ranking employees crammed into the room. Agrawal’s deputies were there, as well as vice presidents from finance, product, human resources, and sales. Even more executives dialed in on video conference from New York and around the globe, their faces tiling the screen at the end of the room.

    It was clear to everyone there that it was Agrawal’s last meeting. He sat at the conference room table, CFO Ned Segal by his side. The mood was somber—everyone in the room understood that many among them might soon be swept away by Elon Musk’s tsunami.

    No one was more likely to be fired than Agrawal. For months, Musk had made clear his disdain for Twitter’s chief executive in barbed tweets, curt text messages, and explosive video calls. Agrawal had taken most of Musk’s outbursts quietly, advised by Twitter’s battalion of lawyers not to argue with the billionaire or speak about the deal to employees—or even executives—because anything he said might leak to the media.

    After months of near-silence to the wider group, Agrawal spoke, remaining calm and analytical. “We might close today,” he announced. The court-imposed deadline for Musk to complete the transaction was the next day, Friday, but it seemed he could get it done a day early. Agrawal told the executives he was proud of what they’d accomplished.

    There was no agenda, he told everyone, and opened the discussion. “What’s going to happen now?” one executive in attendance asked. Segal tried to explain how the closing would work but said candidly that no one could be sure. After all, the man on the other side of the transaction was unpredictable.

    There was plenty of work left to do to finalize the deal, but Agrawal allowed Twitter’s leaders to riff, share, and ask anything they wanted. They had never had a meeting quite like it before. Sales executives wanted to know what they should tell advertisers. Human resources leaders wanted to know what they could tell employees, and when they were allowed to share any information.

    Then one of the employees in the room broached the question that everyone was thinking but no one dared say: “What’s going to happen to you guys?”

    Segal repeated the same line he’d told employees before. “I haven’t talked to him,” he said. “I’ll remain open until I do.” Agrawal nodded along.

    “Each of you needs to make your own decision,” Agrawal said.

    The executives had endless questions, but their leaders had few answers.

    Segal could sense their frustration and, after months of facing unanswerable questions, he cracked. Fighting to keep his composure, he told them he didn’t know what was coming next. “People remember how you handle yourself when it’s hard, not when it’s easy,” he said, his voice choking with emotion. He tried to express the weight of the responsibility all of them had—to the company and to each other—to see the sale through.

    Several of the executives in the room were startled to see Segal, normally polished, perky, and on message, get emotional. As the meeting ended, some of them embraced each other, while others hung back to say their goodbyes to their bosses.

    Antonio Gracias, a private equity investor who was Musk’s close friend and de facto finance shepherd in the deal, had told Twitter’s team on Wednesday that he had all the money in place to close the transaction. It was a pleasant surprise to Segal, who, upon learning that Gracias had the funds, nudged the board. They should move up the close, the chief financial officer suggested. Finishing the transaction early would leave Musk one less day to back out. While Twitter’s leadership had no idea where some of Musk’s money was coming from—new, undisclosed investors had joined Musk’s take-private effort—they were more than willing to take his $44 billion.

    Members of Twitter’s finance teams had adopted a gallows humor approach to the deal and made a joke of trying to track Musk’s money. When he sold new tranches of Tesla stock and filed the required public disclosures of the transactions, they tallied up his funds, trying to figure out if Musk had enough cash on hand to buy their company. At one point, Musk’s lawyers also accidentally sent Twitter’s finance team a full spreadsheet of all the people and investment firms from which they solicited money. That screwup was immediately followed by a legal threat to the Twitter recipients to delete the email and its contents.

    Of course, there was no way of knowing where the billionaire kept all his money or how he planned to use it. Twitter employees debated whether Musk was sitting on a secret stash of cryptocurrency or had obtained fresh margin loans using his private SpaceX shares as collateral. The Wall Street Journal later reported that Musk borrowed $1 billion from SpaceX that October, paying the money back with interest the following month.

    To Twitter, it didn’t really matter where Musk’s money came from—so long as he paid. But given how many agreements Musk had already tried to break, nothing was certain. There was a world where the richest man on earth, they believed, could test the court-appointed deadline by saying he simply did not have the available funds to do the deal.

    In a normal transaction, the buyer would be transparent with the seller about where his funds were flowing from. But Musk, in what Twitter executives believed was an effort to protect his investors from scrutiny, had dumped all the funds into a single account so that Twitter couldn’t trace their origins.

    On a call with Segal and Twitter’s finance executives and lawyers on Thursday, Gracias changed his tune. His boss was actually short, Gracias explained. Musk was missing more than $400 million, and Gracias demanded that Twitter wire money from its own coffers to Musk so that the deal could close. Segal was dumbfounded. Robert Kaiden, Twitter’s strait-laced chief accounting officer, and the half dozen other people who listened in to the conversation couldn’t believe what they were hearing.

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    Kate Conger and Ryan Mac

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  • Taking care of tech: How to get the most life out of your smartphone – MoneySense

    Taking care of tech: How to get the most life out of your smartphone – MoneySense

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    Samsung, meanwhile, says its lithium ion batteries do best when kept above 50% charge. It advises against running the battery down.

    “Repeatedly allowing the battery to drain fully may shorten its life and decrease its overall capacity,” the company says in an online guide. “If this happens, you’ll need to charge the battery more frequently and it may last only a few hours before needing a charge, for example.”

    Avoid extreme temperatures

    Apple says says that batteries warm up as they charge, which can shorten their lifespan. It warns against using your phone or charging it in very hot temperatures, above 95 degrees (35 Celsius), “which can permanently reduce battery lifespan.”

    Samsung also says extreme heat or cold can damage batteries and warns people not to, for example, leave their phones in a car’s glove box when it’s very hot or cold. And don’t put your phone in a freezer either, it’s a myth that it can prolong battery life. “This is not correct and can damage your battery,” Samsung says.

    Google, which makes the Android operating system and Pixel phones, says hot batteries drain faster, even when they’re not in use, and that can damage the battery.

    Adjust your power options

    Tweak your device settings so apps or features use less power, which extends your battery’s daily life and the time between charging cycles.

    You can turn down your phone’s screen brightness, turn on the dark theme and reduce the time for the screen to power off. Enable the auto-brightness feature, which adjusts screen brightness according to the level of ambient light. Also check battery usage in your settings to see if there are any power-hungry apps you can switch off or uninstall.

    If the power level dips below 10%, iPhone users can turn on low power mode to stretch their battery’s life before it need recharging. Samsung’s Android phones have a similar “power saving mode.” You can also leave it on all the time, but it might affect your phone’s performance.

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    The Associated Press

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  • High expectations: Nvidia shares are down despite Q2 earnings beat – MoneySense

    High expectations: Nvidia shares are down despite Q2 earnings beat – MoneySense

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    The company reported a net income of $16.6 billion. (All figures are in U.S. dollars.) Adjusted for one-time items, net income was $16.95 billion. Revenue rose to $30 billion, up 122% from a year ago and 15% from the previous quarter.

    By comparison, S&P 500 companies overall are expected to deliver just 5% growth in revenue for the quarter, according to FactSet. Still, Nvidia shares slipped nearly 4% in after-hours trading.

    Third-quarter revenue expected to reach USD$32.5 billion, company says

    Ryan Detrick, chief market strategist at Carson Group, said that despite growing revenue “it appears the bar was just set a tad too high this earnings season.”

    “Death, taxes, and NVDA beats on earnings are three things you can bank on,” Detrick said. “Here’s the issue. The size of the beat this time was much smaller than we’ve been seeing. Even future guidance was raised, but again not by the tune from previous quarters.”

    The company reported second-quarter adjusted earnings per share of 68 cents per share, up from 27 cents a year ago. Nvidia said it expects third-quarter revenue to grow to $32.5 billion, plus or minus 2%.

    Increasing demand for Nvidia chips and data centres

    Nvidia has led the artificial intelligence sector to become one of the stock market’s biggest companies, as tech giants continue to spend heavily on the company’s chips and data centres needed to train and operate their AI systems.

    “The people who are investing in Nvidia infrastructure are getting returns on it right away,” Jensen Huang, founder and CEO of Nvidia, said on a call with analysts. “It’s the best ROI infrastructure, computing infrastructure investment you can make today.”

    Demand for generative AI products that can compose documents, make images and serve as personal assistants has fuelled sales of Nvidia’s specialized chips over the last year. In June, Nvidia briefly rose to become the most valuable company in the S&P 500. The company is now worth over $3 trillion.

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    The Associated Press

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  • Nvidia’s forecast dampens AI enthusiasm in other tech stocks

    Nvidia’s forecast dampens AI enthusiasm in other tech stocks

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    By Noel Randewich and Saqib Iqbal Ahmed

    (Reuters) -Nvidia dragged technology heavyweights lower after the chip maker’s earnings disappointed investors who had been hoping they would fuel fresh gains in Wall Street’s most valuable companies, and sent stocks in Asia down on Thursday.

    Nasdaq futures initially dropped about 1% following Nvidia’s quarterly earnings report late Wednesday, suggesting traders expected tech stocks to lose ground.

    Nvidia dropped almost 7% and lost $200 billion in stock market value after it forecast third-quarter gross margins that could miss market estimates and revenue that was largely in line. A handful of other AI-related companies shed around $100 billion in combined value.

    Shares of Broadcom and Advanced Micro Devices were each down about 2%. Microsoft and Amazon each dipped almost 1%.

    Weakness in tech stocks continued into Asian trade on Thursday. Nvidia’s chip contractor TSMC slid 2%, and declines in other tech names weighed on shares in Tokyo and Seoul, dragging Korea’s KOSPI to a two week low. [.T] [.KS]

    Nvidia’s Frankfurt-listed shares slightly pared back the after-hours move, falling 5%. Even if Wednesday’s late-day dip extends into Thursday, it would be well short of the 11% price swing the options market had priced for the shares, according to data from options analytics firm ORATS.

    Surging demand for its AI chips helped Nvidia crush consensus analyst estimates for several quarters, a trend that led investors to expect the company to exceed forecasts by higher and higher margins.

    Nvidia’s soft forecasts overshadowed a beat on second-quarter revenue and adjusted earnings as well as the unveiling of a $50 billion share buyback.

    “They beat but this was just one of those situations where expectations were so high. I don’t know that they could have had a good enough number for people to be happy,” said JJ Kinahan, CEO of IG North America and president of online broker Tastytrade.

    The lackluster response to Nvidia’s earnings report could help set the tone for market sentiment heading into what is historically a volatile time of the year. The S&P 500 has fallen in September by an average of 0.8% since World War Two, the worst performance of any month, according to CFRA data.

    Investors are also watching next week’s U.S. employment report for signs on whether the labor market weakness that roiled stocks in early August has dissipated.

    Optimism about AI technology, in part due to Nvidia’s explosive growth, has fueled gains on Wall Street over the past year.

    However, confidence in that rally has wavered in recent weeks following an earnings season that saw investors punish shares of tech companies whose results failed to justify rich valuations.

    Investors have also become concerned about increases in already hefty spending by Microsoft, Alphabet and other major players in the race to dominate emerging AI technology. Microsoft and Alphabet’s stocks remain down since their reports last month.

    Nvidia forecast revenue of $32.5 billion, plus or minus 2%, for its fiscal third quarter, compared with analysts’ average estimate of $31.8 billion, according to LSEG data. That revenue forecast implies 80% growth from the year-ago quarter.

    The Santa Clara, California-based company expects adjusted gross margin of 75%, plus or minus 50 basis points, in the third quarter. Analysts on average forecast gross margin to be 75.5%, according to LSEG data.

    Nvidia’s stock dropped 2.1% in Wednesday’s session, ahead of its report. It remains up about 150% so far in 2024, making it the biggest winner in Wall Street’s AI rally.

    Nvidia’s stock was valued at 36 times earnings ahead of its quarterly report, inexpensive compared to its average of 41 over the past five years. The S&P 500 is trading at 21 times expected earnings, compared to a five-year average of 18.

    (Reporting by Noel Randewich in San Francisco; Additional reporting by Saqib Ahmed in New York; Editing by Ira Iosebashvili, Lisa Shumaker and Mark Potter)

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  • Micro-credentials in Canada: Is it worth it to upskill? – MoneySense

    Micro-credentials in Canada: Is it worth it to upskill? – MoneySense

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    These digital-first bragging rights are known as micro-credentials, and they’re booming right now. Micro-credentialing has been accelerated by the pandemic-driven demand for online learning, job-seekers’ efforts to upskill or reskill, and educational institutions’ desire to attract more students. 

    If you’re looking to increase your skill set or stand out from a sea of job candidates, micro-credentials could be a worthwhile investment—plus, you may qualify for financial assistance or tax credits. The trick is to choose a micro-credential program that’s right for you and your goals.

    What is a micro-credential? 

    A micro-credential is similar to a certificate or a degree, but more targeted and with less of a time commitment. Essentially, it’s a skills or learning upgrade that is focused on helping workers meet the needs of employers—or, conversely, of helping employers find or train workers with the skills they need. And it’s a recorded achievement: you earn a badge or certificate, or something else to prove you earned each particular credential.

    Micro-credential programs are often offered by universities and colleges, but you’ll also find programs from major employers like IBM and Salesforce, specialty providers such as FutureLearn and Coursera, and non-profits. Many other individuals and organizations offer learning and training programs, too: you might see courses available from your favourite finance blogger, or from organizations like Raw Signal Group and The Trauma of Money. Since trustworthiness is a key factor in micro-credentials, institutions that already have that trust baked in are well placed to flourish in this relatively new industry. Whether you choose to go with an accredited educational institution or a startup depends on what you want to learn and why.

    What are people most interested in when it comes to micro-credentials? According to Google data from early August 2024, top searches include:

    1. PMP (project management professional)
    2. CPR (cardiopulmonary resuscitation)
    3. Food handler
    4. Food safety
    5. BLS (basic life support)
    6. CSM (certified scrum master)
    7. WHMIS (Workplace Hazardous Materials Information System)
    8. Smart Serve certification (responsible liquor training program for Ontario)
    9. Cybersecurity certifications
    10. Google certification

    And the top-searched topics on eCampusOntario’s Micro-credentials Portal over the past 12 months are: 

    1. Project management 
    2. Accounting 
    3. Data 
    4. Leadership 
    5. Business 
    6. Payroll 
    7. Health 
    8. Marketing 
    9. Mental health 
    10. Finance 
    11. Human resources 
    12. Data science 
    13. Law 
    14. Python 
    15. Construction 
    16. Education 
    17. Writing 
    18. Digital marketing 
    19. Healthcare 
    20. Cybersecurity 

    According to the Higher Education Quality Council of Ontario (HEQCO), the two defining features of micro-credentials are a narrow scope and a short completion time. That makes efficiency the primary appeal of micro-credential programs. Degrees take years to complete and often contain requirements that are superfluous for those in mid-career. And, of course, many Canadians simply don’t have the resources to take extended time off to upgrade their skills or go back to school full-time. 

    Micro-credential programs are appealing in other ways, too. Many are offered online or in a hybrid format, meaning students can complete them on their own schedule. Micro-credentials also tend to be timely and relevant, so that people can acquire competencies they can use immediately. Canada-based programs can be a useful bridge for newcomers trying to localize their international skill sets and experience. Plus, they’re more affordable than traditional in-depth education and skills programs. In essence, they’re mini-programs that offer you what you need, when you need it—and no more.

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    Kat Tancock

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