New Jersey Arson Attorney Adam M. Lustberg Releases Informative Article on Arson Laws in New JerseyReaders Write: Thanksgiving, Trump’s call to Mexico, Bremer Bank, letters, sports coverage
New York Jets cornerback Sauce Gardner and running back Breece Hall are doubtful to play against the Miami Dolphins on Sunday because of injuries . Interim coach Jeff Ulbrich said Friday both players appear likely to sit out “barring something magical happening the next couple of days." Neither Gardner nor Hall practiced during the week. Gardner left the Jets' loss against Seattle last Sunday late in the game with a strained hamstring. Hall was questionable last week with a knee injury, but played and had 60 yards on 12 carries. He was then hindered at practice this week by what Ulbrich said was “a little bit of an MCL, a little bit of a hyperextension — so a little bit of both.” Ulbrich also announced linebacker C.J. Mosley will be placed on injured reserve, ending his comeback attempt from a herniated disk in his neck that sidelined him the last five games. He returned to practice last week and was ramping up his activity this week, when he was a full participant Wednesday and then had an apparent setback and didn't participate Thursday or Friday. “A hard decision by a very prideful, amazing player, leader — all those things for us,” Ulbrich said. “It was not an easy decision for him, but it's the best decision for him and our organization.” That could end a six-year stint in New York for the 32-year-old Mosley, who has a year left on his contract — which includes $4.25 million in guarantees — but would count $12.8 million on the salary cap next season. Wide receiver Allen Lazard (chest) and offensive lineman Wes Schweitzer (finger) will be activated from IR in time for the game. They both fully practiced all week. With Gardner out, Brandin Echols is likely to get the start opposite D.J. Reed. Ulbrich sounded pessimistic about Gardner's chances of playing earlier in the week when he said the Jets didn't want him playing while his hamstring was bothering him — especially against the speed of the Dolphins' wide receiver duo of Tyreek Hill and Jaylen Waddle. “It's huge,” Ulbrich said of not having Gardner. “It's going to be — it's tough. Now, saying that, we're very fortunate we have Brandin Echols, a guy that's played a lot of football and played a lot of football against the Dolphins.” Ulbrich also pointed out Echols has played against Dolphins quarterback Tua Tagovailoa a few times and had success. Echols has intercepted Tagovailoa twice — and returned both for touchdowns. “Would you like Sauce? There's no doubt,” Ulbrich said. “But having Echols is a very good backup in this situation.” Hall leads the Jets with 692 yards rushing and has four touchdown runs, along with 46 catches for 401 yards and two scores. The latest injury is to Hall's left knee — the same one in which he tore the ACL two years ago. “Just not feeling quite right,” Ulbrich said of Hall's knee. Rookies Braelon Allen and Isaiah Davis, along with Kene Nwangwu, would help replace Hall against the Dolphins. Allen, a fourth-rounder, has 240 yards rushing and two touchdowns, as Hall's primary backup. Davis, a fifth-rounder, has 22 yards on just five carries but had his first TD catch last week against the Seahawks. Nwangwu is primarily a special teamer who was selected as the AFC's special teams player of the week after he returned a kickoff 99 yards for a touchdown last Sunday. “We are fortunate in that way, too, from the running back depth, minus Breece, who's in my opinion one of the best backs in this league,” Ulbrich said. “We still have one of the best running back rooms in the NFL without him.” Offensive lineman Xavier Newman was a new addition to the Jets' injury report Friday with a groin injury that had him questionable for the game. Also questionable are left tackle Olu Fashanu (toe), right tackle Morgan Moses (knee/shoulder), right guard Alijah Vera-Tucker and cornerback Qwan'tez Stiggers (illness) — but Ulbrich said they were all trending toward playing. AP NFL: https://apnews.com/hub/NFL
EVANSVILLE 66, CAMPBELL 53
NoneTarar claims PTI leaders seek arrest by choice to skip planned protest
US police arrest man over alleged New York Stock Exchange bomb plotNEW YORK — He’s one of the most famous corporate leaders in the world, delivering products embraced by billions. But the haters give companies like Mark Zuckerberg’s Meta Platforms something to worry about. In an era when online anger and social tensions are increasingly directed at the businesses that consumers count on, Meta last year spent $24.4 million on guards, alarms and other measures to keep Zuckerberg and the company’s former chief operating officer safe. Some high-profile chief executives surround themselves with security. But the fatal shooting this week of UnitedHealthcare CEO Brian Thompson while he walked alone on a New York City sidewalk has put a spotlight on the widely varied approaches companies take in protecting their leaders against threats. Thompson had no personal security and appeared unaware of the shooter lurking before he was gunned down. And today’s political, economic and technological climate is only going to make the job of evaluating threats against executives and taking action to protect them even more difficult, experts say. “We are better today at collecting signals. I’m not sure we’re any better at making sense of the signals we collect,” said Fred Burton of Ontic, a provider of threat management software for companies. After Thompson’s shooting, Burton said, “I’ve been on the phone all day with some organizations asking for consultation, saying, ’Am I doing enough?’” Since the killing, some health insurers have taken steps to safeguard their executives and rank-and-file workers. Medica, a Minnesota-based nonprofit healthcare firm, said Friday that it was temporarily closing its six offices for security reasons and would have its employees work from home. “Although we have received no specific threats related to our campuses, our office buildings will be temporarily closed out of an abundance of caution,” the company said in a statement. A Medica spokesman said the company had also removed biographical information about its executives from its website as a precaution. UnitedHealth Group, parent of the insurer Thompson led, removed photos of its top executives from its website hours after the shooting, later removing their names and biographies. But well before the attack, some of the biggest U.S. companies, particularly those in the tech sector, were spending heavily on personal and residential security for their top executives. Meta, whose businesses include Facebook and Instagram, reported the highest spending on personal security for top executives last year, filings culled by research firm Equilar show. Zuckerberg “is synonymous with Meta and, as a result, negative sentiment regarding our company is directly associated with, and often transferred to, Mr. Zuckerberg,” the Menlo Park, California, company explained earlier this year in an annual shareholder disclosure. At Apple, the world’s largest tech company by stock valuation, CEO Tim Cook was tormented by a stalker who sent him sexually provocative emails and even showed up outside his Silicon Valley home at one point before the company’s security team successfully took legal action against her in 2022. Cook is regularly accompanied by security personnel when he appears in public. Still, the $820,000 the company allotted last year to protect top executives is a fraction of what other tech giants spent for CEO security. Just over a quarter of the companies in the Fortune 500 reported spending money to protect their CEOs and other top executives. Of those that did, the median payment for personal security doubled over the last three years to about $98,000. In many companies, investor meetings like the one UnitedHealthcare’s Thompson was walking to when he was shot are viewed as very risky because details on the location and who will be speaking are highly publicized. “It gives people an opportunity to arrive well in advance and take a look at the room, take a look at how people would probably come and go out of a location,” said Dave Komendat, president of DSKomendat Risk Management Services, which is based in the Seattle area. Some firms respond by beefing up security. For example, tech companies routinely require everyone attending a major event, such as Apple’s annual unveiling of the next iPhone or a shareholder meeting, to go through airport-style security checkpoints before entering. Others forgo in-person meetings with shareholders. Government health insurance provider Centene Corp. joined that group Thursday, citing the UnitedHealthcare executive’s death in announcing that its upcoming investor day will be held online, rather than in person as originally planned. “But there are also company cultures that really frown on that and want their leaders to be accessible to people, accessible to shareholders, employees,” Komendat said. Depending on the company, such an approach may make sense. Many top executives are little known to the public, operating in industries and locations that make them far less prone to public exposure and to threats. “Determining the need for and appropriate level of an executive-level protection program is specific to each organization,” said David Johnston, vice president of asset protection and retail operations at the National Retail Federation. “These safeguards should also include the constant monitoring of potential threats and the ability to adapt to maintain the appropriate level of security and safety.” Some organizations have a protective intelligence group that uses digital tools such as machine learning or artificial intelligence to comb through online comments to detect threats not only on social media platforms such as X but also on the dark web, Komendat said. They look for what’s being said about the company, its employees and its leadership to uncover risks. “There are always threats directed towards senior leaders at companies. Many of them are not credible,” Komendat said. “The question always is trying to determine what is a real threat versus what is someone just venting with no intent to take any additional action.” Burton, a former special agent with the U.S. Diplomatic Security Service, points out that despite the current climate, there is little in the way of organized groups that target companies. Today, one of the primary worries are loners whose rantings online are fed by others who are like-minded. It’s up to corporate security analysts to zero in on such dialogue and decide whether or not it represents a real threat. And CEOs aren’t the only targets of disgruntled customers. In the U.S., there were 525 workplace fatalities due to assault in 2022, according to the National Safety Council. Industries including healthcare, education and service providers are more prone to violence than others, and taxi drivers are more than 20 times more likely to be murdered on the job than other workers, the group said. But the ambush of UnitedHealthcare’s Thompson this week is bound to get some CEOs second-guessing. “What invariably happens at moments like this in time is you will get additional ears listening” to security professionals seeking money to beef up executive protection, Burton said. “Because I can guarantee you there’s not a CEO in America who’s not aware of this incident.” Geller, Bussewitz and Liedtke write for the Associated Press.
Consumers in the United States scoured the internet for online deals as they looked to take advantage of the post-Thanksgiving shopping marathon with Cyber Monday. Even though e-commerce is now part and parcel of many people's regular routines and the holiday shopping season, Cyber Monday — a term coined in 2005 by the National Retail Federation — has become the biggest online shopping day of the year, thanks to the deals and the hype the industry has created to fuel it. Adobe Analytics, which tracks online shopping, expected consumers to spend $13.2 billion Monday — a record, and 6.1% more than last year. That would make it the biggest shopping day for e-commerce for the season — and the year. Online spending was expected to peak between the hours of 8 p.m. and 10 p.m. on Monday night, per Adobe — reaching an estimated $15.7 million spent every minute. For several major retailers, a Cyber Monday sale is a dayslong event that began over the Thanksgiving weekend. An Amazon Prime delivery person lifts packages while making a stop Nov. 28, 2023, in Denver. David Zalubowski, Associated Press Amazon kicked off its sales event right after midnight Pacific time on Saturday. Target's two days of discount offers on its website and app began overnight Sunday. Walmart rolled out its Cyber Monday offers for Walmart+ members Sunday afternoon and opened it up to all customers three hours later, at 8 p.m. Eastern time. Consumer spending for Cyber Week — the five major shopping days between Thanksgiving and Cyber Monday — provides a strong indication of how much shoppers are willing to spend for the holidays. Many U.S. consumers continue to experience sticker shock after the period of post-pandemic inflation, which left prices for many goods and services higher than they were three years ago. But retail sales nonetheless remain strong, and the economy kept growing at a healthy pace. At the same time, credit card debt and delinquencies are rising. More shoppers than ever are also on track to use "buy now, pay later" plans this holiday season, which allows them to delay payments on holiday decor, gifts and other items. Many economists also warned that President-elect Donald Trump's plan to impose tariffs next year on foreign goods coming into the United States would lead to higher prices on everything from food to clothing to automobiles. A FedEx delivery person carries a package from a truck Nov. 17, 2022, in Denver. David Zalubowski, Associated Press Listen now and subscribe: Apple Podcasts | Google Podcasts | Spotify | Stitcher | RSS Feed | SoundStack | All Of Our Podcasts The National Retail Federation expects holiday shoppers to spend more this year both in stores and online than last year. But the pace of spending growth will slow slightly, the trade group said, growing 2.5% to 3.5% — compared to 3.9% in 2023. A clear sense of consumer spending patterns during the holiday season won't emerge until the government releases sales data for the period, but some preliminary data from other sources shows some encouraging signs for retailers. Vivek Pandya, lead analyst at Adobe Digital Insights, noted that discounts from Thanksgiving onward "exceeded expectations" and online spending throughout Cyber Week is on track to cross a record $40 billion mark combined. U.S. shoppers spent $10.8 billion online on Black Friday, a 10.2% increase over last year, according to Adobe Analytics. That's also more than double what consumers spent in 2017, when Black Friday pulled in about $5 billion in online sales. Consumers also spent a record $6.1 billion online on Thanksgiving Day, Adobe said. Meanwhile, software company Salesforce, which also tracks online shopping, estimated that Black Friday online sales totaled $17.5 billion in the U.S. and $74.4 billion globally. Mastercard SpendingPulse, which tracks in-person and online spending, reported that overall Black Friday sales excluding automotive rose 3.4% from a year ago. A United Parcel Service driver sorts deliveries July 15, 2023, on New York's Upper West Side. Richard Drew, Associated Press E-commerce platform Shopify said its merchants raked in a record $5 billion in sales worldwide on Black Friday. At its peak, sales reached $4.6 million per minute — with top categories by volume including clothing, cosmetics and fitness products, according to the Canadian company. Toys, electronics, home goods, self-care and beauty categories were among the key drivers of holiday spending on Thanksgiving and Black Friday, according to Adobe. "Hot products" included Lego sets, espresso machines, fitness trackers, makeup and skin care. Other data showed physical stores saw fewer customers on Black Friday, underscoring how the huge crowds that were once synonymous with the day after Thanksgiving are now more than happy to shop from the comfort of their homes. RetailNext, which measures real-time foot traffic in stores, said its early data showed store traffic on Friday was down 3.2% in the U.S. compared to last year, with the biggest dip happening in the Midwest. Sensormatic Solutions, which also tracks store traffic, said its preliminary analysis showed retail store traffic on Black Friday was down 8.2% compared to 2023. Grant Gustafson, head of retail consulting and analytics at Sensormatic Solutions, noted that in-store traffic was getting spread across multiple days since many retailers offered generous discounts before and after Black Friday. "Some of the extended Black Friday promotions really ended up leading to a little bit of a softer day-of traffic than expected," Gustafson said. In 2024, staying small on purpose seems to be paying off big for small businesses. They're keeping operations small and targeting niche, highly specialized customers. And some business owners find this strategy results in more time, energy, and money to intentionally capitalize on unique, small cap opportunities. The data tells the story of growth in small businesses for the year. According to NEXT , the Small Business Administration (SBA) reports awarding 38,000 SBA 7(a) loans under $150,000: double the amount they awarded in 2020. Here are the related small-business trends paying off in 2024. 1. Small and cozy office spaces in industrial and flex condos Commercial real estate agent Ryan Beckenhauer of Market Real Estate in Boulder, Colorado, has noticed that small businesses are growing smaller, and that their office and warehouse spaces are starting to reflect that as they shop for business space. In commercial real estate, many small business owners gravitate toward industrial condos and other flexible spaces. These are small-scale industrial spaces with a 90:10 or 80:20 split of warehouse to office. "More individuals are leveraging skills acquired at larger organizations to venture out on their own," explains Beckenhauer. And he goes on to say that they don't need a large commercial space as they make that leap to start a business. His clients include engineers, consultants, builders and other tradespeople. Beckenhauer's clients like the flexibility of being out of an office and being close to their inventory and workshop space. "The clients want to see and touch the finishes," he says. Small business owners both rent or buy these spaces. But he's seeing his clients opt to own industrial condos to stabilize costs due to rent increases in Boulder. And because these spaces are smaller, it can be easier for new buyers to qualify for financing. 2. More outsourcing of financial services Mariana Alvarez, owner of Controller Works , an online bookkeeping and advisory firm, has noticed that small business owners outsource financial support services because they don't want to increase headcount. "Outsourcing gives them the possibility of having access to the knowledge and the skills of a CFO without having to pay for the salary," she says. "They don't have to manage or deal with the workload, employment taxes , and all that comes with it," says Alvarez. Additionally, many small business owners in fields like construction are family-owned, and this makes it easier for business owners to hand off delicate financial work to a trusted person with financial experience. 3. Automating bookkeeping tasks with AI Every small business has recurring tasks that can benefit from some level of artificial intelligence automation . And Alvarez sees a lot of value in using AI for small business bookkeeping. She explains that you can automate the data entry on Quickbooks. "When you create rules, as long as you create the rules correctly, it pretty much does itself," says Alvarez. From there, you can lean on financial experts to help you analyze the data and make more informed decisions. She uses AI as a background resource when guiding her accounting clients. "I believe that we still need the human-to-human interaction that comes with more perspective for financial analysis," she explains. 4. AI-driven customer service According to the SBA , 77% of consumers feel that human interaction is still required for a positive customer experience. People turn to small businesses every day for a human experience. According to Arvind Rongala, CEO of Edstellar , small business workers can show up for their customers but still use AI for routine tasks like customer queries. "This balance allows companies to scale their operations without losing the personal touch that makes them unique. It's important to remember that AI isn't there to replace the human element—it's there to enhance it," he says. 5. Personalized customer experiences "By really focusing on one very small weakness that Amazon has, I've been able to carve out a successful business by offering something different," says Lou Harvey owner of Tank Retailer , a retailer of commercial water and fuel tanks. "When you read our customer reviews, many of them actually mention me by name because of how much we focus on customer service and go the extra mile." One of Harvey's most successful business strategies this year has been to lean into his small, niche market and offer the kind of customer experience that large retailers like Amazon don't. "Any small weaknesses that Amazon has (however small those weaknesses may be) needs to become a strength of a smaller business focusing on a niche market," says Harvey. Harvey has his company's customer service phone number front and center on the website to help earn customer trust. "I prominently feature our phone number, and a real person always answers the phone (usually it's me)," says Harvey. 6. Businesses promoting social impact Lucie Voves, CEO and founder of Church Hill Classics , an online, woman-owned diploma framing company that uses sustainable materials, has noticed an uptick in customers seeking services from a business on a mission. "This year, we've seen a growing inclination for consumers to actively seek out and support small businesses owned by women and minorities," says Voves. When consumers shop small, they choose to make their dollars count. "Customers are fueled by a desire to promote social impact through purchasing power," says Voves. 7. Increased social commerce sales Long gone are the days of online retailers "building it and they will come." In 2024 we've seen more small businesses than ever turn to social commerce to sell directly on social media platforms like Instagram Shopping , Facebook Marketplace , and TikTok . Small business owners are turning toward influencers, social media ads, and organic content to target their customers. Mike Vannelli of Envy Creative creates online ads for businesses, and he has seen his clients succeed on TikTok of late. "I've seen businesses, especially in retail, use TikTok's short-form video format to make their products go viral. Think of it as word-of-mouth marketing on steroids," says Vannelli. He uses the platform's algorithm to push a company's content to the right audiences, and it works because TikTok loves storytelling. "I know small brands that use behind-the-scenes videos, customer testimonials, and even playful challenges that tap into trends to humanize their products and build trust," explains Vannelli. To stand out on TikTok, he says, smaller brands need to embrace authenticity and emotional connection. Show your team, share your journey, and involve your community in content creation. This story was produced by NEXT and reviewed and distributed by Stacker. Chay_Tee // ShutterstockRomania's top court scraps presidential electionMarginal rise in US import prices suggests inflation pressures may subside
Chandigarh: Now, public safety, traffic control to be responsibility of event organisersConsumers in the United States scoured the internet for online deals as they looked to take advantage of the post-Thanksgiving shopping marathon with Cyber Monday. Even though e-commerce is now part and parcel of many people's regular routines and the holiday shopping season, Cyber Monday — a term coined in 2005 by the National Retail Federation — has become the biggest online shopping day of the year, thanks to the deals and the hype the industry has created to fuel it. Adobe Analytics, which tracks online shopping, expected consumers to spend $13.2 billion Monday — a record, and 6.1% more than last year. That would make it the biggest shopping day for e-commerce for the season — and the year. Online spending was expected to peak between the hours of 8 p.m. and 10 p.m. on Monday night, per Adobe — reaching an estimated $15.7 million spent every minute. For several major retailers, a Cyber Monday sale is a dayslong event that began over the Thanksgiving weekend. An Amazon Prime delivery person lifts packages while making a stop Nov. 28, 2023, in Denver. Amazon kicked off its sales event right after midnight Pacific time on Saturday. Target's two days of discount offers on its website and app began overnight Sunday. Walmart rolled out its Cyber Monday offers for Walmart+ members Sunday afternoon and opened it up to all customers three hours later, at 8 p.m. Eastern time. Consumer spending for Cyber Week — the five major shopping days between Thanksgiving and Cyber Monday — provides a strong indication of how much shoppers are willing to spend for the holidays. Many U.S. consumers continue to experience sticker shock after the period of post-pandemic inflation, which left prices for many goods and services higher than they were three years ago. But retail sales nonetheless remain strong, and the economy kept growing at a healthy pace. At the same time, credit card debt and delinquencies are rising. More shoppers than ever are also on track to use "buy now, pay later" plans this holiday season, which allows them to delay payments on holiday decor, gifts and other items. Many economists also warned that President-elect Donald Trump's plan to impose tariffs next year on foreign goods coming into the United States would lead to higher prices on everything from food to clothing to automobiles. A FedEx delivery person carries a package from a truck Nov. 17, 2022, in Denver. The National Retail Federation expects holiday shoppers to spend more this year both in stores and online than last year. But the pace of spending growth will slow slightly, the trade group said, growing 2.5% to 3.5% — compared to 3.9% in 2023. A clear sense of consumer spending patterns during the holiday season won't emerge until the government releases sales data for the period, but some preliminary data from other sources shows some encouraging signs for retailers. Vivek Pandya, lead analyst at Adobe Digital Insights, noted that discounts from Thanksgiving onward "exceeded expectations" and online spending throughout Cyber Week is on track to cross a record $40 billion mark combined. U.S. shoppers spent $10.8 billion online on Black Friday, a 10.2% increase over last year, according to Adobe Analytics. That's also more than double what consumers spent in 2017, when Black Friday pulled in about $5 billion in online sales. Consumers also spent a record $6.1 billion online on Thanksgiving Day, Adobe said. Meanwhile, software company Salesforce, which also tracks online shopping, estimated that Black Friday online sales totaled $17.5 billion in the U.S. and $74.4 billion globally. Mastercard SpendingPulse, which tracks in-person and online spending, reported that overall Black Friday sales excluding automotive rose 3.4% from a year ago. A United Parcel Service driver sorts deliveries July 15, 2023, on New York's Upper West Side. E-commerce platform Shopify said its merchants raked in a record $5 billion in sales worldwide on Black Friday. At its peak, sales reached $4.6 million per minute — with top categories by volume including clothing, cosmetics and fitness products, according to the Canadian company. Toys, electronics, home goods, self-care and beauty categories were among the key drivers of holiday spending on Thanksgiving and Black Friday, according to Adobe. "Hot products" included Lego sets, espresso machines, fitness trackers, makeup and skin care. Other data showed physical stores saw fewer customers on Black Friday, underscoring how the huge crowds that were once synonymous with the day after Thanksgiving are now more than happy to shop from the comfort of their homes. RetailNext, which measures real-time foot traffic in stores, said its early data showed store traffic on Friday was down 3.2% in the U.S. compared to last year, with the biggest dip happening in the Midwest. Sensormatic Solutions, which also tracks store traffic, said its preliminary analysis showed retail store traffic on Black Friday was down 8.2% compared to 2023. Grant Gustafson, head of retail consulting and analytics at Sensormatic Solutions, noted that in-store traffic was getting spread across multiple days since many retailers offered generous discounts before and after Black Friday. "Some of the extended Black Friday promotions really ended up leading to a little bit of a softer day-of traffic than expected," Gustafson said. In 2024, staying small on purpose seems to be paying off big for small businesses. They're keeping operations small and targeting niche, highly specialized customers. And some business owners find this strategy results in more time, energy, and money to intentionally capitalize on unique, small cap opportunities. The data tells the story of growth in small businesses for the year. According to NEXT , the Small Business Administration (SBA) reports awarding 38,000 SBA 7(a) loans under $150,000: double the amount they awarded in 2020. Here are the related small-business trends paying off in 2024. Commercial real estate agent Ryan Beckenhauer of Market Real Estate in Boulder, Colorado, has noticed that small businesses are growing smaller, and that their office and warehouse spaces are starting to reflect that as they shop for business space. In commercial real estate, many small business owners gravitate toward industrial condos and other flexible spaces. These are small-scale industrial spaces with a 90:10 or 80:20 split of warehouse to office. "More individuals are leveraging skills acquired at larger organizations to venture out on their own," explains Beckenhauer. And he goes on to say that they don't need a large commercial space as they make that leap to start a business. His clients include engineers, consultants, builders and other tradespeople. Beckenhauer's clients like the flexibility of being out of an office and being close to their inventory and workshop space. "The clients want to see and touch the finishes," he says. Small business owners both rent or buy these spaces. But he's seeing his clients opt to own industrial condos to stabilize costs due to rent increases in Boulder. And because these spaces are smaller, it can be easier for new buyers to qualify for financing. Mariana Alvarez, owner of Controller Works , an online bookkeeping and advisory firm, has noticed that small business owners outsource financial support services because they don't want to increase headcount. "Outsourcing gives them the possibility of having access to the knowledge and the skills of a CFO without having to pay for the salary," she says. "They don't have to manage or deal with the workload, employment taxes , and all that comes with it," says Alvarez. Additionally, many small business owners in fields like construction are family-owned, and this makes it easier for business owners to hand off delicate financial work to a trusted person with financial experience. Every small business has recurring tasks that can benefit from some level of artificial intelligence automation . And Alvarez sees a lot of value in using AI for small business bookkeeping. She explains that you can automate the data entry on Quickbooks. "When you create rules, as long as you create the rules correctly, it pretty much does itself," says Alvarez. From there, you can lean on financial experts to help you analyze the data and make more informed decisions. She uses AI as a background resource when guiding her accounting clients. "I believe that we still need the human-to-human interaction that comes with more perspective for financial analysis," she explains. According to the SBA , 77% of consumers feel that human interaction is still required for a positive customer experience. People turn to small businesses every day for a human experience. According to Arvind Rongala, CEO of Edstellar , small business workers can show up for their customers but still use AI for routine tasks like customer queries. "This balance allows companies to scale their operations without losing the personal touch that makes them unique. It's important to remember that AI isn't there to replace the human element—it's there to enhance it," he says. "By really focusing on one very small weakness that Amazon has, I've been able to carve out a successful business by offering something different," says Lou Harvey owner of Tank Retailer , a retailer of commercial water and fuel tanks. "When you read our customer reviews, many of them actually mention me by name because of how much we focus on customer service and go the extra mile." One of Harvey's most successful business strategies this year has been to lean into his small, niche market and offer the kind of customer experience that large retailers like Amazon don't. "Any small weaknesses that Amazon has (however small those weaknesses may be) needs to become a strength of a smaller business focusing on a niche market," says Harvey. Harvey has his company's customer service phone number front and center on the website to help earn customer trust. "I prominently feature our phone number, and a real person always answers the phone (usually it's me)," says Harvey. Lucie Voves, CEO and founder of Church Hill Classics , an online, woman-owned diploma framing company that uses sustainable materials, has noticed an uptick in customers seeking services from a business on a mission. "This year, we've seen a growing inclination for consumers to actively seek out and support small businesses owned by women and minorities," says Voves. When consumers shop small, they choose to make their dollars count. "Customers are fueled by a desire to promote social impact through purchasing power," says Voves. Long gone are the days of online retailers "building it and they will come." In 2024 we've seen more small businesses than ever turn to social commerce to sell directly on social media platforms like Instagram Shopping , Facebook Marketplace , and TikTok . Small business owners are turning toward influencers, social media ads, and organic content to target their customers. Mike Vannelli of Envy Creative creates online ads for businesses, and he has seen his clients succeed on TikTok of late. "I've seen businesses, especially in retail, use TikTok's short-form video format to make their products go viral. Think of it as word-of-mouth marketing on steroids," says Vannelli. He uses the platform's algorithm to push a company's content to the right audiences, and it works because TikTok loves storytelling. "I know small brands that use behind-the-scenes videos, customer testimonials, and even playful challenges that tap into trends to humanize their products and build trust," explains Vannelli. To stand out on TikTok, he says, smaller brands need to embrace authenticity and emotional connection. Show your team, share your journey, and involve your community in content creation. This story was produced by NEXT and reviewed and distributed by Stacker. Get the latest local business news delivered FREE to your inbox weekly.