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Tech legend Michael Dell says workers need to laugh and play — and parents' advice can be hit or miss

  • Dell Technologies CEO, Michael Dell, emphasizes the importance of humor, laughter, and relaxation for workers.
  • He advises not always listening to parents' advice.
  • Dell follows a schedule of early sleep, morning workouts, and enjoying Texas barbecue.
  • He encourages balancing work, play, and relaxation for long-term success.

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Medium

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10 Proven Strategies to Boost Your Productivity

  • Setting clear, achievable goals is the foundation of productivity. Break your goals into manageable tasks and use the SMART criteria (Specific, Measurable, Achievable, Relevant, Time-bound) to guide your planning.
  • Establishing a daily routine can significantly enhance your productivity. A consistent schedule helps you form habits that pave the way for success. Consider starting your day with the most challenging tasks when your energy levels are high. This approach can reduce procrastination and increase efficiency.
  • The Eisenhower Matrix helps you prioritize tasks based on urgency and importance. Categorize your tasks into four quadrants. This method ensures that you focus on what truly matters.
  • Utilize productivity tools and apps to streamline your workflow. Tools like Trello, Asana, or Todoist can help you organize tasks and collaborate with others. Explore apps that track your time and habits to identify areas for improvement.

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Minis

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Steve Jobs built Apple with this advice from his dad

  • Steve Jobs credited his father, Paul, for instilling in him a commitment to excellence.
  • Biographer Walter Isaacson recalled how Paul taught Jobs to build a fence with equal attention to detail on both visible and hidden parts, emphasizing, “Even though nobody will see it, you will know.”
  • This lesson shaped Jobs' perfectionism at Apple, where he demanded high-quality craftsmanship, from microchip aesthetics to screw plating. Jobs likened it to carpentry, insisting that even the unseen back of a chest must be flawless.
  • This dedication to detail became a cornerstone of Apple’s success, influencing its renowned focus on quality and design.

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Minis

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5 things to avoid when asking for a raise and what to say instead

  • Be Specific: Avoid saying "I want more money." Instead, state a well-researched salary range based on market data.
  • Be Confident: Replace “I think I deserve this” with “I deserve this” and support it with quantifiable achievements and external praise.
  • Frame Expectations: Avoid “I was hoping for” and confidently say, “Based on market value, I expect…” to strengthen your position.
  • Use Leverage Wisely: Instead of threatening to leave, mention outside offers positively, showing a preference to stay while emphasizing competitiveness.
  • Follow Up: If rejected, ask for milestones to revisit the discussion and clarify next steps, ensuring negotiations remain open.

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3 resume red flags according to a former Google executive

  • Former Google exec Jenny Wood shares three resume red flags to avoid.
  • First, don’t list over five bullet points under any role, as long lists suggest you lack prioritization skills. “It tells me you don’t know how to separate the important from the unimportant,” she says.
  • Second, avoid overloading your resume with links. While showcasing projects and metrics is helpful, too many links make resumes hard to read.
  • Lastly, avoid cramming too much information. White space is crucial for readability and demonstrates good judgment. “Spacing creates visual hierarchy,” Wood notes, ensuring your resume is digestible and professionally presented.

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How Location Branding Shapes Identity and Strategy

  • Location branding strategies transform geography into a powerful storyteller and a key element that shapes how customers perceive a brand. Businesses turn their locations into vibrant assets that deeply connect with customers by integrating local traditions and natural landscapes to embody authenticity in customer service. Location-based branding defines the origin of a brand, influencing the brand's culture, customer perception, and unique character. Aligning brand values with geographic characteristics often mirrors the region's environment, culture, or lifestyle, boosting a brand's authenticity and cultural relevance.
  • Brands' values reflect the unique traits of its location, unique character, identity, and future direction. Visual and narrative choices often define how customers perceive and remember the business. Therefore, landscapes, colors, and architectural styles can inspire how a brand looks and speaks, providing an opportunity to differentiate and resonate with the target audience.
  • Virtual and Physical locations offer a tangible connection to a brand, turning them into marketing assets that help businesses attract and engage customers. For instance, businesses like Hollywood film studios' global appeal and Google rely on their virtual location as much as international companies like Nike and Rolex rely on their physical locations.
  • However, location branding presents challenges for businesses, particularly about attaching a brand closely to a specific location. It exposes the brand to vulnerabilities tied to that location, from economic downturns, environmental changes, cultural shifts, or natural disasters. Careful planning and strategic balancing of flexibility and adaptability is essential to ensure a brand's survival and growth.
  • In today's interconnected world, brands must carefully balance appealing to global audiences while resonating deeply with local markets. Successfully managing both approaches separates a brand that merely survives from one that thrives across borders. Adapting branding messages for diverse markets by embodying cultural sensitivity, language localization, visual adjustments, seasonal and regional campaigns, and collaborating with local creators can have a tremendous impact.
  • As businesses grow, they require scaling their location-based strategies while maintaining the spirit of their origins. Techniques such as highlighting local history and culture, collaborating with local artists or creators, and hosting community events can connect businesses with their local communities, enhancing credibility and customer loyalty.
  • Finally, businesses must adopt virtual and physical locations' potential, transforming location branding into a powerful tool for storytelling, connection, and sustainable growth by profoundly understanding their audiences and embracing innovation in the digital age.

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HRKatha

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Yahoo cuts 25% of cybersecurity team

  • Yahoo has downsized its cybersecurity division, The Paranoids, by 25% over the past year.
  • This resulted in a loss of 40 to 50 employees, out of an original team of 200.
  • The red team, responsible for simulating cyberattacks, was disbanded.
  • Yahoo is transitioning offensive security operations to an outsourced model.

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2025 and Beyond: Why B2B CMOs Need Agentic AI

  • Agentic AI is the next evolution of artificial intelligence, capable of autonomously analyzing data, making decisions, and taking action.
  • B2B CMOs should plan for Agentic AI in their 2025 strategies to scale operations, personalize customer engagement, and optimize campaigns.
  • Benefits of Agentic AI in B2B marketing include scalability, personalization, and agility, allowing for complex tasks to be executed at scale.
  • Use cases for Agentic AI in B2B marketing include content creation and localization, campaign reporting, customer retention strategies, and workflow automation.

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HRKatha

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SpiceJet clears all provident fund dues

  • SpiceJet has fully settled its pending employees’ provident fund (PF) dues of INR 160.07 crore, covering a backlog of over two years.
  • The airline has cleared all major statutory liabilities, including Tax Deducted at Source (TDS), Goods and Services Tax (GST) and pending salary dues.
  • By addressing long-standing statutory obligations and resolving disputes with lessors and creditors, SpiceJet is reinforcing its commitment to operational excellence, financial prudence, and employee welfare.
  • SpiceJet's efforts toward financial recovery and resilience have been recognised by Acuité Ratings & Research, which recently upgraded the airline’s credit rating by four notches.

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Forbes

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Today’s CD Rates: December 13, 2024—Earn 5% And Up

  • Today’s best interest rates on CDs (certificates of deposit) are as high as 5.37%.
  • The longer the term, the harsher the early withdrawal penalty.
  • Three-month CDs currently offer an average rate of 1.31%.
  • Six-month CD offers a blend of high yields, and the highest yield is 5.25%.
  • The highest interest rate available on a one-year CD is 5.37%.
  • The average APY on a one-year CD is 1.90%.
  • Two-year CDs are being offered at interest rates as high as 4.52%.
  • The highest rate on a three-year CD has been 4.65%.
  • On a five-year CD, the highest rate today is 4.25%.
  • The best rate on today’s jumbo CDs is 5.37% for a 6-month term.

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Forbes

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High-Yield Savings Account Rates Today: December 13, 2024 – Rates Are Mixed

  • Rates on savings accounts are mixed compared to one week ago.
  • The highest APY on a standard savings account with a $2,500 minimum deposit requirement is 6.82%.
  • High-yield savings accounts often pay substantially more interest than conventional savings accounts.
  • The average APY for high-yield savings accounts with a minimum opening deposit of $25,000 is 6.82%.

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Forbes

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Current HELOC & Home Equity Loan Rates: December 13, 2024—Rates Are Mixed

  • Home equity loans and home equity lines of credit (HELOCs) allow homeowners to tap into the value of their homes.
  • A home equity loan is a fixed-rate, lump-sum loan that allows homeowners to borrow up to 85% of their home’s value and pay that amount back in monthly installments.
  • A home equity line of credit is a variable-rate second mortgage that draws on your home’s value as a revolving line of credit.
  • A 5-year term offers a shorter repayment period with typically higher monthly payments, while a 30-year term maximizes affordability with the lowest monthly payments.

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Forbes

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Mortgage Rates Today: December 13, 2024—Rates Stay Put

  • The average mortgage rate on a 30-year fixed mortgage is 7.09%, while the rate on a 15-year mortgage is 6.26%.
  • The average rate on a 30-year mortgage has increased from 7.04% to 7.09% compared to the previous week.
  • The APR on a 30-year fixed-rate mortgage is 7.11%, up from 7.03% last week.
  • For a $100,000 mortgage with a 30-year fixed rate of 7.09%, the monthly payment is approximately $671 in principal and interest.

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Forbes

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Current Refinance Rates: December 13, 2024—Rates Move Up

  • The rate on a 30-year fixed refinance inched up today.
  • The average rate on a 30-year fixed mortgage refinance is 7.23%, while the average rate on a 15-year mortgage refinance is 6.27%.
  • The current 30-year, fixed-rate mortgage refinance is averaging 7.23%, compared to 7.18% last week.
  • At the current interest rate of 7.23%, borrowers with a 30-year, fixed-rate mortgage of $100,000 will pay $681 per month for principal and interest. Over the life of the loan, the borrower will pay total interest costs of about $145,071.
  • The average interest rate on the 15-year fixed-rate jumbo mortgage refinance remained unchanged at 6.82%.
  • A home loan refinance may make sense particularly if you plan to remain in your home for a while.
  • Consider avoiding refinancing if you can’t get a better rate or reduce your monthly payment. Additionally, you will need to pay closing costs and the application process can be lengthy.
  • Just like when you took out your original mortgage, it pays to have a strategy for finding the lowest rate when you want to refinance.
  • There are no guarantees when it comes to borrowing, but a strong credit score is one of the best things you can do to present yourself to lenders.
  • And use calculators like ours to see if you can swing a home loan that’s shorter in duration than the popular 30-year mortgage.

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Forbes

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Money Market Interest Rates Today: December 13, 2024 — Earn Up To 5.00%

  • As of today, the highest money market rate is 5.00%.
  • Money market accounts may offer higher interest rates than typical savings accounts.
  • To open a money market account, compare the best yields on the market and meet the minimum requirements.
  • Money market accounts work like savings accounts in some ways and like checking accounts in others.

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