 Welcome to Guru99 AI Report! Together With 👉 Xero 👈 | Top Story: There's a lot shifting in the AI world-from how teens rely on chatbots to new features reshaping productivity. I've gathered the most surprising insights for you today. Ready to see what's actually changing beneath the surface? | 🤔 Why Kids Still Turn to Chatbots 
Brief Buzz: A new Common Sense Media report - developed with Stanford Medicine’s Brainstorm Lab - warns that popular AI chatbots pose an "unacceptable risk" to teens seeking mental-health help. Despite rapid updates, researchers say these systems still miss serious distress cues and can even offer harmful guidance. Read the full analysis in the Common Sense Media report. - Researchers tested ChatGPT-5, Claude Sonnet 4.5, Gemini 2.5 Flash, and Meta AI (Llama 4) over four months.
- While suicide-related responses improved - following cases highlighted in outlets like CNN and The New York Times - the chatbots still mishandled issues like anxiety, depression, ADHD, eating disorders, mania, and psychosis.
- Some models gave dangerously practical tips, such as portion-control suggestions to a user describing an eating-disorder trigger.
- They often missed red flags in multi-turn conversations and were easily sidetracked by irrelevant details.
- Regulators are struggling to keep pace; several states have begun tightening youth-tech rules, echoing earlier social-media mental-health concerns and new state-level restrictions.
Why Should You Care?
Teens are turning to AI for a judgment-free sounding board, but these tools aren’t designed for real mental-health care. As adoption accelerates faster than regulation, families and policymakers face urgent pressure to push for safer AI systems and protect vulnerable young users. 👉 Discover smarter tools keeping your kids safer | | 👉 In partnership with Xero 
Xero is a cloud-based accounting software designed to help small businesses manage their finances. While it offers various features such as invoicing, payroll, and bank reconciliation, it has increasingly incorporated artificial intelligence (AI) tools to streamline operations and improve accuracy. Xero's AI-driven invoicing system is also noteworthy. It allows businesses to set up recurring invoices, and using machine learning, the platform can predict when future invoices will be due and even remind clients automatically. AI is also embedded in Xero's reporting and forecasting tools. Xero can analyze your past financial data to provide predictive insights and offer recommendations for future business decisions. - Smart Reconciliation: The machine learning-powered reconciliation tool suggests transaction matches based on past actions, continuously improving its accuracy over time.
- Predictive Reporting and Forecasting: Xero analyzes historical data with machine learning to provide predictive insights and financial forecasts, helping businesses make informed decisions.
| | 🎉 ChatGPT Group Chats Now for Everyone! 
Brief Buzz: OpenAI has officially launched group chats for ChatGPT across all paid and free tiers, letting up to 20 people - and the AI-collaborate in a shared conversation. Think of it as dropping ChatGPT into your team chat, classroom thread, or group project. - Available to Free, Go, Plus, and Pro users after a successful APAC pilot.
- Join via invite links, with ChatGPT stepping in when prompted or when it senses a relevant moment.
- AI rate limits apply only to model-generated responses, counted against the user who triggers them.
- Built-in privacy safeguards ensure group chats don’t feed into personal memory or personalized context.
Why Should You Care?
This feature turns ChatGPT into a real-time group assistant, making brainstorming, planning, and problem-solving smoother - especially for remote teams, students, and community groups. It signals a future where AI participates in conversations as naturally as any teammate. 👉 Free AI tools every creator should try today | | ⚡️ 5 AI Tools to Supercharge Your Productivity 👉 SBG Funding - Although primarily a small-business lender, SBG Funding publishes guidance on how its clients are using AI and ML tools for growth — and by extension SBG helps finance adoption of such AI-driven tech. 👉 ActivTrak - AI-powered workforce-analytics engine auto-classifies every app & website activity to reveal focus vs distraction trends and productivity baselines. Predictive coaching dashboards surface "nudges" for managers, using ML to flag at-risk teams and recommend schedule or workload tweaks. 👉 Teramind - delivers a comprehensive suite for insider threat prevention and employee monitoring. It enhances security through behavior analytics and data loss prevention, ensuring compliance and optimizing business processes. 👉 CapFront - This small-business funding marketplace uses "innovative technology" including machine-learning and AI-driven analytics to assess credit risk more quickly and accurately, enabling faster approvals and streamlined underwriting. 👉 NinjaOne - harnesses artificial intelligence to simplify endpoint management, patching, and overall IT operations. Its AI stack focuses on turning the flood of patch data and device telemetry into precise, actionable guidance for busy IT teams. | | 📊 How Companies Are Embracing AI, According to Wharton 
Brief Buzz: AI adoption has skyrocketed in the past three years, moving from experimental to mainstream use. A recent Wharton study highlights how businesses are using AI to boost productivity and improve ROI. - AI usage surged: Weekly usage jumped from 37% in 2023 to 82% today.
- Top uses: Data analysis (73%), document/meeting summarization (70%), and writing/editing (68%).
- ROI success: 75% of decision-makers report positive returns on AI investments.
- Employee readiness is key: Investing in training, culture, and guardrails will determine long-term success.
Why Should You Care?
AI is no longer a buzzword but a critical tool for boosting productivity in workplaces. Companies embracing AI tools see improved efficiency and ROI, while those lagging are held back by restrictive policies and low trust. The next big challenge is ensuring employees are empowered and trained to leverage AI effectively, setting the stage for long-term business success. If your company isn't fully embracing AI, you might be missing out on a competitive edge. | | 🚀 3 Tutorials to Level Up Your Skills 
Getting started with Google Antigravity (official course): This comprehensive, step-by-step course equips you to use Antigravity, guiding your transformation from a coder to an AI manager who can dispatch autonomous agents to build applications, write tests, and independently debug code. How to create Skills: Anthropic released a step-by-step guide helping developers create reusable Skills for specialized tasks. The tutorial provides production-ready templates, debugging strategies, and real examples that let teams build consistent, scalable AI workflows without constantly re-explaining requirements to Claude. Making sense of memory in AI agents: This deep dive clarifies the confusing terminology around agent memory systems. It covers practical implementation approaches, from hot-path vs background updates to frameworks like Letta and mem0. | | 📉 AI Regulation Is Getting More Complex 
Brief Buzz: Washington is gearing up for a power struggle over who controls AI rules: states or Washington, D.C. A leaked Trump Administration draft order would aggressively preempt state AI laws, reshaping how AI safety, transparency, and privacy are governed across the U.S. - Creates an "AI Litigation Task Force" under Attorney General Pam Bondi to sue states over their AI regulations, per a draft described to Reuters and detailed in Transformer News.
- Directs the Commerce Department to issue funding guidelines that could choke federal money for states with stricter AI rules-an effort that Democrats are already pushing back on, according to Semafor.
- Targets laws like California's SB 53 as "burdensome," and pushes for disclosure rules that override conflicting state laws, with roles for FCC chair Brendan Carr and AI adviser David Sacks.
- Arrives as Republicans seek similar preemption through the NDAA, reported by Punchbowl News, and as the EU explores scaling back GDPR and the AI Act, per The Verge.
Why Should You Care?
These battles will shape how much transparency you get, how your data is protected, and whether AI giants face strong rules or lighter oversight as their systems grow more powerful. | | 💻 Prompt of The Day: Smarter Cold Email Templates for Today Prompt: You'll write 3 cold emails using my templates.
I’ll give you:
Niche, Offer, Target company, Prospect name
You'll fill in the {} for each template. Tone: Conversational and human. Short, clear sentences. No jargon.
Steps: Ask me for the niche, offer, company, and prospect name. Then write 3 cold emails (one per template).
Template 1 — Case Study Separate
Subject: Thoughts, {Name}?
Hey {Name},
Was checking out {Company Name}’s socials—your {Product/Service} looks awesome!
We help {Niche} brands {Desired Outcome} with our {Named Package}. Recently, a {Niche/Company Name} used it to get {Desired Outcome} in {Month}. I’ll show you how at zero risk.
Mind if I share more?
Template 2 — Case Study + Body
Subject: {Benefit/Outcome} for {Company Name}
As the {Role} at a {Niche} company, I bet you’re always looking to {Desired Outcome}.
We helped a {Niche/Company Name} {Desired Outcome}—and can help you do the same. I’ll even show you how at zero risk.
Is this top of mind for you right now?
Template 3 — No Case Study
Subject: Quick question
Was checking out {Company Name}’s socials—your {Product/Service} looks awesome!
We help {Niche} brands {Desired Outcome} with our {Named Package}. I’ll show you how at zero risk. 👉 Automate outreach and send bulk emails instantly | | 📸 AI Generator Images: Games 
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