Podcasts about 5mm

Igor Shaltanov is the founder and managing partner of Avista Fund, a Southern California-based real estate investment firm focused on income-generating multifamily properties. A former professional athlete turned entrepreneur, Igor has led Avista since 2015, raising capital and acquiring over 3,050 units valued at $483.5MM. The firm is committed to conservative underwriting, rigorous due diligence, and providing investors with strategic access to U.S. real estate through a values-driven approach.   Here's some of the topics we covered:   From Russia to the U.S. and Why Igor Never Looked Back The Stock Market Lesson That Cost More Than Expected The Real Reason You Need the Right Partner in Business What You Should Look For In a Partner How Igor Found His First Deal and What Went Totally Wrong Why Investing in California Might Be a Trap Self Storage Secrets Most Investors Never Learn The Mindset Shift That Changed Everything   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

-Inflación en EEUU cayó a 2,3% durante abril, a solo 0,3% del objetivo de la Fed.-#Nissan perdió US$4,5MM en los 12 meses a Marzo. -Barril de petróleo #WTI cerró en US$60. El 20 de enero estaba en $80

What's going on in Global Trade this Week? Today Pete Mento and Doug Draper cover: 1:30 -Reciprocal Tariffs 6:43 -De Minimis Departs 13:52 -Halftime 20:57 -Impacts on Exports 24:27 -$1.5MM on Chinese Vessels www.capwwide.com/international-insights/4/7/25/gttw-podcast-episode-189

n this episode of The Successful Contractor, host Bob Houchin sits down with Austin Rohleder, Marketing Director at Integrity Home Exteriors, to break down how they grew from a $6.8MM business in 2019 to peaking at $14.5MM. From digital marketing to canvassing to TV ads, Austin shares his insights into what works—and what doesn't—for home service companies looking to scale. Key Takeaways from This Episode: The Growth Story: How Integrity Home Exteriors nearly doubled in size in just a few years. Canvassing That Converts: The shift in their door-to-door strategy that unlocked $7MM in revenue. Avoid This Marketing Mistake: Why their first approach to TV ads in Detroit flopped—and how they fixed it. Managing from Afar: How the owner of Integrity Home Exteriors runs the business from Ireland while doing mission work. The SEO Strategy That Works: Why location-based pages are a game-changer for local businesses. How to Lower Your LSA Costs: The one tweak that helped control skyrocketing Local Service Ad expenses. Hiring Smarter: Why Integrity Home Exteriors outsourced SEO and social media management to the Philippines—saving thousands while increasing output. Branding vs. Call-to-Action Ads: How to balance TV and radio messaging for maximum impact. The Power of Customer Retention: Why re-inspections and follow-up calls are now driving unexpected sales. The CertainPath Advantage: How being part of the CertainPath family helped them scale faster and more efficiently.  If you're a home service business owner looking for real-world marketing and operational strategies that drive revenue, you won't want to miss this episode.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,100+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, Success is Made Certain. Visit www.mycertainpath.com for more information.   FOLLOW CERTAINPATH: Facebook: https://www.facebook.com/CertainPath Linkedin: https://www.linkedin.com/company/certainpath Instagram: https://www.instagram.com/certainpath/ 

Send us a textrom Writers and Directors Ivan Leung, Harrison Xu, and Katherine Dudas - EXTREMELY UNIQUE DYNAMIC. - Coming Soon.During their final weekend together, two best friends test the limits of their friendship while making a double-meta film.Ryan and Daniel, two childhood best friends and aspiring actors, spend one final weekend together before Ryan moves to Canada with his fiancé. Wanting to create one lasting memory, they decide to make a movie... about two guys making a movie. about two guys making a movie. Along the way, bottled-up secrets arise as they unpack their decades-long friendship and put their extremely unique dynamic to the test.With a combined 3.5MM+ social followers, this extremely unique cast pioneers the first ever meta-Asian-stoner-bromantic-coming- of-age dramedy, which explores the intricacies of male friendship through the unique dynamic between an Asian-American straight and gay best friend.Support the show

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News—all from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, or general interest for the compliance professional. Top stories include: LiquidNet to pay a $5MM fine. (WSJ) TikTok warns of dire consequences if it has to follow the law. (Reuters) Is HR your friend? (NYT) JPMorgan shuts off the comment line. (WSJ) For more information on the Ethico Toolkit for Middle Managers, available at no charge, click here. Check out The FCPA Survival Guide on Amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it take to transform a modest family plumbing business into a multi-million dollar powerhouse? In this episode of The Successful Contractor, Bob Houchin sits down with siblings Grace, Noah, and Levi Dean of Dean's Plumbing in Beaverton, OH, to unpack their incredible journey. From growing up in a household of ten siblings and homeschooling to taking over their parents' basement-run business, the Deans share the challenges and triumphs of scaling to $4.5MM with 25% net profit.Discover how they implemented new software, leveraged StraightForward Pricing, and brought structure to chaos—all while navigating the dynamics of working with family. Highlights include Grace's insights on QuickBooks, Noah's inventory solutions, and Levi's unique approach to recruitment. Watch this episode for practical tips, heartfelt stories, and valuable takeaways for every home service professional. Subscribe nowShow NotesThe Successful Contractor Podcast is a part of the CertainPath family. CertainPath builds successful home service businesses—and has for 25 years. We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,100+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible. Let us show you the way. With CertainPath, Success is Made Certain. Visit www.mycertainpath.com for more information.FOLLOW CERTAINPATH: Facebook: https://www.facebook.com/CertainPath Linkedin: https://www.linkedin.com/company/certainpath Instagram: https://www.instagram.com/certainpath/

Unveiling the World of Express Car Washes     In this episode of the Real Estate Investor Growth Network podcast, host Jen Josey welcomes Whitney Elkins-Hutten, a real estate expert dedicated to helping busy professionals build generational wealth. Whitney shares her journey from early investing success to becoming a trailblazer in the express car wash industry. The conversation dives deep into the logistics, misconceptions, and operational strategies of express car washes. Whitney also gives insights into her book, 'Money for Tomorrow.' This episode is packed with valuable advice and industry knowledge for both real estate investors and entrepreneurs alike.   Whitney Elkins-Hutten, a trailblazing real estate maven, is committed to empowering busy professionals, turning their dreams into reality through savvy wealth-building strategies. Her journey began in 2002, marked by a home run and a near-loss, shaping her into a seasoned expert eager to share the secrets of her success. She is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcast, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate.   www.passiveinvesting.com www.passiveinvestingwithwhitney.com www.ashwealth.com   To learn more about Jen Josey, visit www.TheRealJenJosey.com To join REIGN, visit www.REIGNmastermind.com Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby

From The Vault:Why Acquisition Entrepreneurs Should Know Pari Passu (who?)We had John Thwing, "The SBA Guy" in the studio today to talk about SBA financing for acquisitions of small businesses. When it comes to entrepreneurship, John says "don't start one, buy one!"  When the deal makes sense from all the fundamental angles, John says it's always better to buy a business that has cash flow on day one. Not that start ups are bad, in fact they're necessary in many situations, but most entrepreneurial endeavors include financially supporting the owner in some way. SBA financing can be a great catalyst for achieving a business acquisition, whether it's your first or 15th company.  The SBA lending threshold is $5MM, but there's an option that many buyers are not aware of that allows you to finance more than $5MM with the same terms as the SBA loan and in the same lien position. It's called "Pari Passu", and it basically allows for two loans on the same business with SBA terms in an equal priority position. With the right mix of cash flow, buyer expertise and down payment (still a minimum of 10%) this can expand buying options beyond a mainstreet size company. As long as the business can support the debt service on the loans, this type of financing can be a gamechanger for the opportunistic entrepreneur. Live Oak Bank is the largest SBA Lender in the United States. The point of entry for any bank is to become an "SBA Preferred Lender", but John says that working with a lending specialist is key. Most bankers, he says, are not deal professionals because they perform other services for the bank, like opening accounts and other customer related services. When you need creative deal structure, especially when SBA financing is your path, you need someone who does it everyday. You can connect with John here and Julie here Listen to the episode hereConnect with Julie Keyes, Keyestrategies LLCFounder, Consultant, Author, Pod-caster and Instructor

Learn how to hire for profit growth with this free download: https://trybta.com/DLEP191 To learn more about Breakthrough Academy, click here: https://trybta.com/PCEP191 Learn more about Greg and Simple Numbers here: https://www.simplenumberscri.com/ We're gonna make an educated guess and say you didn’t get into business because you love accounting. So when it comes to financial management—budgeting, forecasting, and tracking the right metrics for success—you’d be forgiven for getting a little lost in the jargon and differing opinions on the “right” way to do things. Our guest on the show today is Greg Crabtree, author of Simple Numbers, Straight Talk, Big Profits! Greg's approach to financial controls and profitability is refreshingly simple and easy to understand. He distills the confusing world of accounting into incredibly simple metrics and lays out the core areas of business you need to focus on. If you’re looking for a simple explanation of which numbers you should care about and how to optimize them for business growth, consider this episode your starting point. Episode highlights: Understand why gross margin is your TRUE top line and why revenue is one of the most meaningless metrics to care about in business, according to Greg Crabtree, author of Simple Numbers, Straight Talk, Big Profits! Hear Greg’s thoughts on why your income tax paid is actually one of the best KPIs to optimize Learn the only two ways to boost labor productivity and get out of the profitability black hole between $1MM and $5MM 00:00-Intro 01:52-Why are finances so hard to understand? 14:49-About the Four Keys 21:30-How should people use and think about the Four Keys? 28:44-Owner's Salary 36:56-Profit 50:52-Labor Productivity 1:02:23-Habits and mindsets See omnystudio.com/listener for privacy information.

Learn how to hire for profit growth with this free download: https://trybta.com/DLEP191 To learn more about Breakthrough Academy, click here: https://trybta.com/PCEP191 Learn more about Greg and Simple Numbers here: https://www.simplenumberscri.com/ We're gonna make an educated guess and say you didn’t get into business because you love accounting. So when it comes to financial management—budgeting, forecasting, and tracking the right metrics for success—you’d be forgiven for getting a little lost in the jargon and differing opinions on the “right” way to do things. Our guest on the show today is Greg Crabtree, author of Simple Numbers, Straight Talk, Big Profits! Greg's approach to financial controls and profitability is refreshingly simple and easy to understand. He distills the confusing world of accounting into incredibly simple metrics and lays out the core areas of business you need to focus on. If you’re looking for a simple explanation of which numbers you should care about and how to optimize them for business growth, consider this episode your starting point. Episode highlights: Understand why gross margin is your TRUE top line and why revenue is one of the most meaningless metrics to care about in business, according to Greg Crabtree, author of Simple Numbers, Straight Talk, Big Profits! Hear Greg’s thoughts on why your income tax paid is actually one of the best KPIs to optimize Learn the only two ways to boost labor productivity and get out of the profitability black hole between $1MM and $5MM 00:00-Intro 01:52-Why are finances so hard to understand? 14:49-About the Four Keys 21:30-How should people use and think about the Four Keys? 28:44-Owner's Salary 36:56-Profit 50:52-Labor Productivity 1:02:23-Habits and mindsets See omnystudio.com/listener for privacy information.

Christopher Burns, Estate attorney and partner with Henson Efron returned to the show in this episode to talk about a couple of current matters pertaining to business owners. First, the Tax Cuts and Jobs Act (TCJA) will sunset on Dec 31, 2025. Since we're post election, the concern over the sunsetting of this law will likely be eliminated, since President Elect Trump is expected to extend it.  That said, it's still important to pay attention to the thresholds in place for taxing your estate. There are state and federal rates that apply, even when your estate is smaller. Awareness and preparation are essential. The current federal exemption per person is nearly $14MM. Had Harris/Walz been elected, that amount was proposed to drop to $3.5MM, with a rate of 65% vs 40%, wiping out a great deal of estate proceeds for heirs across the country. Christopher said it's important that owners know what they own, the value of it (including their business) and use their planning to communicate their wishes and get their entire financial and legal house in order. Having an advisor like Christopher on your team would certainly help you sleep better at night. Christopher is a promoter of professional collaboration among his clients' other advisors and works to bring them together to foster a team approach, so the owner can have the best, most comprehensive advice. You can learn more about what you need to know and do by accessing a variety of tools on the Henson Efron website: https://hensonefron.com/search-articles-and-insights/Learn more about Christopher here: https://hensonefron.com/attorneys/christopher-j-burns/Listen to the episode here.Connect with Julie Keyes, Keyestrategies LLCFounder, Consultant, Author, Pod-caster and Instructor

My guest on this week's episode of the podcast is Annina Salvén, the COO of BIT ODD, a Helsinki-based gaming studio that was recently profiled by the WSJ. Bit Odd raised $18MM in a seed extension this month, following on from the €5MM seed round it raised in 2022. My fund, Heracles Capital, is an investor in both rounds. I asked Annina to join me on the podcast to discuss the current state of venture fundraising for mobile gaming. Specifically, we cover: Why Anniina returned to mobile gaming, given the challenges; How the 2016-era of mobile gaming compares to today; The distribution challenges now relative to 2016-2018; The opportunities in mobile gaming now from a revenue growth perspective; How mobile gaming start-ups should think about exit opportunities; The process for BIT ODD in raising its Seed extension; What mobile gaming start-ups should look for in an investor; The cross-platform gaming opportunity;  Whether games publishing is still viable; Helsinki's evolution as a mobile games development hub. Thanks to the sponsors of this week's episode of the Mobile Dev Memo podcast: Vibe. Vibe is the leading Streaming TV ad platform for small and medium-sized businesses looking for actionable advertising campaign performance. ⁠⁠⁠Clarisights⁠⁠⁠. Marketing analytics that makes it easy to get answers, iterate fast, and show the impact of your work. Go to⁠⁠⁠ clarisights.com/demo⁠⁠⁠ to try it out for free. INCRMNTAL⁠⁠. True attribution measures incrementality, always on. Interested in sponsoring the Mobile Dev Memo podcast? Contact ⁠Marketecture⁠.

In this episode of the Building Wealth Through Commercial Real Estate Podcast, we sit down with Whitney Elkins-Hutten, a powerhouse in real estate, passive investing, and wealth creation. Whitney is the Director of Investor Education at PassiveInvesting.com, where she leads educational initiatives in multifamily, express car washes, self-storage, and real estate debt investments. She's also the founder of AshWealth.com and host of the Passive Investing Made Simple and Multifamily Investor Nation shows.With over $800MM in real estate partnerships, including more than 6,500 residential units, 15 express car washes, and 2,200+ self-storage units across 11 states, Whitney shares her wealth of knowledge on growing a successful real estate portfolio. She also reveals how she transitioned from a PhD in Community Health and Nutrition to flipping $5MM in residential properties and becoming a full-time real estate investor.Tune in for expert insights on passive investing, scaling your wealth, and the resilience it takes to succeed in real estate.In this episode, we discuss:✅ Whitney's Real Estate Journey✅ How she scaled her portfolio✅ Lessons and learnings in multi-family properties✅ How to diversify and grow your portfolio✅ Whitney's advice for real estate passive investingTune in now and level up your real estate game!

Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate. What You Will Learn: Who is Whitney Elkins-Hutten? Whitney's diverse educational background, transitioning from public health to real estate. Whitney shares her first experience in real estate in 2002 when she bought a house that needed significant rehab. How her initial investment turned profitable, leading to a realization about financial independence. The importance of understanding one's identity and impact in the world beyond traditional career paths. How to create wealth plans and the importance of financial education. The benefits of leveraging investments in real estate to maximize returns. Whitney emphasizes the importance of both active and passive investments for financial freedom. Analysis of current market conditions and the importance of understanding supply and demand dynamics. What is the importance of understanding the tenant needs and market demographics when investing in multifamily housing? What are the methods for identifying and analyzing investment properties, including using data from CoStar and relationships with developers? The importance of playing defense in business to protect profits. Use of technology to optimize the customer experience and streamline operations. Whitney shares how everyone can contact him. Additional Resources from Whitney Elkins-Hutten: Website: https://www.passiveinvesting.com/, http://ashwealth.com/, https://biggerpockets.com/moneyfortomorrow Email: whitney@passiveinvesting.com Phone: +1 (970) 988-9076 Linkedin: https://www.linkedin.com/in/whitneyelkinshutten/ Facebook: https://www.facebook.com/WhitneyHuttenInvesting Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW!   Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

Send us a textIn this conversation, Natanya shares her journey from a seemingly successful yet unfulfilling life in brand marketing to her bold move to Paris, driven by the need for a more meaningful existence. Learn how she overcame fears and challenges to create "The Bravo Life," offering retreats that blend her passion for travel with the joy of helping others transform.Tune in as we explore:The significance of identifying your break-even point and avoiding financial pitfalls in event planning.Building authentic connections and understanding your clients beyond demographics for effective marketing.The value of intimate, retreat-style environments, especially for introverts.Turning initial setbacks into valuable data and growth opportunities.The importance of storytelling and emotional connections in filling retreat spots.Natasha Wright and Natanya Bravo also discuss the crucial role of resilience, vulnerability, and leading by example in creating spaces where profound personal transformation can take place. Whether you're a seasoned entrepreneur or embarking on your first retreat, this episode offers valuable insights into creating impactful, profitable, and life-changing events.About NatanyaNatanya spent the first 10 years of my career creating global brand marketing & event campaigns for Fortune 500 consumer brands handling budgets up to $5MM and planning events for as many as 5000 attendees. While successful by society's terms, she knew she wasn't living up to her potential. Tired of saying “one day” –she listened to that internal voice and booked a one-way ticket to Paris to step into purpose and create her dream life.Shortly after, The Bravo Life was created to inspire women to realize and actualize their full potential. Now a global community of over 30,000 women, The Bravo Life provides coaching, resources, and live experiences and retreats for women who are committed to living their best lives, as their best selves. As a Transformational Business & Mindset coach, Natanya empowers purpose-driven leaders with the tools, resources, and strategies to create and grow their own thriving businesses that serve others.Website: http://Natanyabravo.comSocial Media handles: thebravolifeFree Class - Creating Retreats That Sell And Serve: https://www.claritytolaunch.com/leadinspireprofitclass/Group Coaching Program - Retreats That Sell & Serve : https://www.claritytolaunch.com/RETREATSTHATSELLANDSERVE/About Natasha Wright Natasha Wright is the host of The Event Gems Podcast and the founder of The Diamond Butterfly Agency (TDB), a full-service event production & management company that provides strategic and soul-stirring event planning services for businesses and organizations. Hosting an event? Download the FREE Event Planning Starter Guide Want to stay connected? Follow The Diamond Butterfly AgencyNeed support planning an Event? Schedule Your Consultation Here

Ben Toaff of Trusted Capital Homes flew in from Miami to discuss how he scaled to 5 million in assignment fees despite Bidenomics. How Ben Toaff Scaled to $5MM in Assignment Fees Per Year Despite Bidenomics | Video Replay To Close More Sales Faster: closemoresales.com/salesmasterclass... The post How Ben Toaff Scaled to $5MM in Assignment Fees Per Year Despite Bidenomics appeared first on Real Estate Disruptors.

Johnny Gaudreau was tragically killed with his brother Matthew while riding their bicycles in New Jersey by an alleged drunk driver. Leon Draisaitl signs 8 year contract that will make him the highest paid player in the league. For now.    Listen Here:  Apple Podcasts   Direct MP3   iHeart Radio   Title Player PK Subban  News Johhny Gaudreau and brother Matthew killed by driver while cycling Leon Draisaitl contract - 8 x $14MM - assuming cap goes up $5MM, wiil be 15%  of cap when it starts max contract is 20% of cap - $17.6MM for this year / $18.7 next year when McDavid signed 2018-19, his was 15.72% of $79.5MM Cap  Seth Jarvis contract with Carolina AAV $7.9 x 8  - unique - cap hit only $7.5/year - 29.4MM signing bonuses - $15.67MM deferred to day after contract expires - cap hit based on present value of $15.67MM (tiime value of money)  - no interest allowed to be given Interesting - nice savings plan for player, but loses out on investment opportunity for 8 years.  Oilers let Broberg and Holloway walk NHL and PA discussing mandating neck guards Nick Robertson still unsigned and wants a trade. Other Unsigned RFAs of note Jeremy Swayman - clear #1 going into season after Ullmark traded Senators - looking for 8 years - $ wiill be interesting  Moritz Seider - seeking 8 years - prob about $8.5 but have to get Raymond signed as well Lukas Raymond - seeking 8 years - prob $7MM  Yzerman notorious hard negotiator but pressure on for results.  Guess the 5th Connections - LAST WEEK - Alex Lafreniere, Eric Lindros, John Tavares, connor Bedard - won world junior gold and tournament MVP? This week?    Big Events this year -  Global Series Oct 4 - Sabres / Devils - Prague, Czechia    Pathers / Stars - Tampere, Finland Winter Classic - Dec 31 - Blackhhawks / Blues at Wrigley Field  5:00pm - switch to New Year's Eve Stadium Series - Blue Jackets / Red Wings at Ohio State March 1 4 nations series - Feb 10-21 - Can, US, Fin, Swe - scared of injury for nothing tourney. Scheduling Matrix Each Division Has Eight Teams Games Within Division 5 teams x 2 home / 2 away (Subtotal 10 home / 10 away) 1 team x 2 home / 1 away (Subtotal 2 home / 1 away) 1 team x 1 home / 2 away (Subtotal 1 home / 2 away)   Games Within Conference (Non-Division) 4 teams x 2 home / 1 away (Subtotal 8 home / 4 away) 4 teams x 1 home / 2 away (Subtotal 4 home / 8 away)   Non-Conference Games 16 teams x 1 home / 1 away (Subtotal 16 home / 16 away) Grand Total – 82 Games 41 home / 41 away   Crazy Stat  Upcoming - division previews with guests. 

Sung Cho is the CEO of Chartmetric, a remarkable B2B SaaS company that collects and analyzes music data from streaming platforms and social media to predict the future of the music industry. Through its services, Chartmetric contributes to the growth of the music industry and has achieved an impressive annual subscription revenue of $8.5MM. Before founding Chartmetric, Sung was a founding member of Gamevil, one of South Korea's leading game companies. He jumped into the Korean game industry before it was fully established and led the company's growth alongside the industry's development. However, not content with just the company's success, Sung aimed to fulfill his dream of building a career and starting a business in Silicon Valley. Approaching his 30s, he left Gamevil and started anew as an intern at Sun Microsystems in Silicon Valley. While working at Sun Microsystems, the company was acquired by Oracle, naturally transitioning his career to Oracle. Yet, he chose to step out of his comfort zone for another challenge. After leaving Oracle, Sung faced numerous challenges before finally starting Chartmetric in 2015. The company has since been steadily growing, as evidenced by its increasing ARR and other metrics. --- Support this podcast: https://podcasters.spotify.com/pod/show/getu-chandler/support

From losing money and frustration to everything changed in 18 months.  From $2.7MM in sales to $6.5MM in 18 months… and making money.  And now the company is on target to do $10MM at the end of 2024.  This is the story of Ron Frame of Champion Exteriors in Hainesport, NJ.  Ron is a fourth-generation roofer.  He knew there must be a better way to run a roofing business.  He found CertainPath and has transformed everything.  Along the way, he's lived by the mantra: “Burn it to the ground.”  It means that sometimes you must make radical change and start over to grow.    If you're looking to transform your business quickly, this is a must watch/listen interview.  Ron outlines how he completely “burned to the ground” both his call center and roofing repair division.  He went from not understanding his financials and daily KPIs to living by them daily.  And he shares some insightful marketing tips that have helped him explode in growth, while so many other roofers are struggling to generate revenue.  Show Notes The Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,100+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way. With CertainPath, Success is Made Certain. Visit www.mycertainpath.com for more information.   FOLLOW CERTAINPATH: Facebook: https://www.facebook.com/CertainPath Linkedin: https://www.linkedin.com/company/certainpath Instagram: https://www.instagram.com/certainpath/  Thank you to our sponsors: Trane & American Standard. The Trane and American Standard Diagnostics Mobile Apps are a technician support tool with many features to help technicians better install and service systems in communicating and 24 volt applications. When installing Trane and American Standard Link equipment, our latest communicating technology, technicians can connect to the equipment via Bluetooth through the Trane or American Standard Diagnostics Mobile App while on the jobsite. Once connected, technicians have access to a dashboard of features, including real-time sensor readings, fault conditions, the ability to view or change system settings, automatic charging, and more without standing at the thermostat. Through the Diagnostics Mobile App technicians can easily configure or diagnose a Trane or American Standard Link system from the palm of their hand. For 24 volt applications the Diagnostics Mobile App guides the technician through the installation for select 24 volt equipment; providing wiring diagrams, dip switch configurations, and downloadable PDF installation reports. Technicians can access customer's Diagnostics data, see active system alerts, remotely connect to select smart thermostats, access a refrigerant calculator, and search Trane/American Standard Residential product literature. This is one tool all your technicians should have. Trane and American Standard Diagnostics Mobile Apps are available for download in the Google Play™ store or App Store®.   Shubee.  Keeping your client's floors clean can be a hassle. But it doesn't have to be when you use ShuBee's high-quality shoe covers and surface protection products on every job. Our products are specifically designed to showcase your professionalism at a minimal cost per job. Made from strong, durable materials that won't rip or tear, our products ensure maximum protection. We know that your time is valuable, and that's why we make it our mission to provide you with the tools you need to get the job done quickly and efficiently. So why wait? Try ShuBee today and experience the difference for yourself! Visit www.shubee.com to check out some of our great products and use code SC10 to get 10% off all ShuBee products.  Synchrony – Ever wonder how to calculate your true cost of financing and how to fit the price of financing into your business and pricing for products and services? In Synchrony's new and improved Toolbox website you can easily calculate your Cost of Credit, view educational videos and learn more about Synchrony's digital tools. Simply to go www.synchronybusiness.com/toolbox to explore and learn more.    Staples- Staples is the leading provider in office supplies offering a vast selection of products and services. Over the last 2 years, Staples has also become one of the US largest janitorial suppliers as well. From your everyday business essentials to your office furniture, printing, facilities and breakroom, Staples can do it all. Staples offers benefits to help create efficacies in procurement and consolidate vendors to streamline internal processes. Visit wwww.staplesadvantage.com for learn more.   pulseM + Customer Lobby. Is maximizing reviews and referrals a priority for your business in the second half of the year? pulseM and Customer Lobby are proud partners of CertainPath and can help you achieve more reviews and repeat business by working together to create value at each touchpoint in your customer journey. Increasing your amount of Google reviews has a large impact on gaining more repeat and referral business. pulseM can help you achieve up to 3x more reviews by automating review requests at the end of each job, and then, Customer Lobby's unique algorithm follows up with your customer base at the optimal time to produce a response. Customer Lobby's direct mail postcards give your customers an extra way to keep your company top-of-mind when they need to schedule their next appointment with you! If you're looking to hear more about how we partner with CertainPath members or view a free demo for pulseM and Customer Lobby, we'd love to connect with you! Visit https://get.pulsem.me/pm-plus-certainpath to get started.   Reece. Reece is a leading supplier for Pros in the Plumbing, HVAC, Waterworks, and Bath and Kitchen industries. For over 100 years, Reece has been committed to helping Pros like you build your business by providing access to top-quality products backed by the resources, service, and support of product experts. On the job and need supplies but can't get away? Reece will come to you. They make it easy to keep your job moving forward with their Rapid Delivery services. In just 2 hours, Reece will deliver to any job within 15 miles of participating branches. It's just one more way to prove Reece works for you. Visit Reece.com to learn more about Reece – your trusted supplier and partner.  

The Corporate Transparency Act: What you Need to KnowOur guest for today's show is Scott Seiler, Founder and Partner at Seiler Law. Scott and his team practice in the areas of business M&A, employer representation, and several other related practice areas that pertain to the needs of entrepreneurs. The requirements for filing under the Corporate Transparency Act are important to know and understand exactly who's required to file, who's required to be named in the filing, and the deadlines for filing depending on when the company was registered with the Secretary of State.General requirements are as follows: Companies with 20 employees or lessRevenues of $5MM per year or lessThere are interests other than the owners who may need to be included in the filing.The reason for 'picking on' the smaller companies is due to the large number of LLC Holding Companies in existence in the US. The government is trying to find out who the owners of so many shell companies are. The tactic for filing layers of ownership from Holding Company to Holding Company is tied to terroism, tax evasion and money laundering.  And, any person with "Beneficial Ownership Information" (BOI) must be named in the filing. A person considered to have a beneficial ownership interest includes persons with significant decision making power (think CFO, CEO, President) regardless of whether they have any ownership in your company. The BOI form is must be completed and submitted. Scott's firm has been completing these on behalf of many clients, so if you are unsure of who needs to be named in your BOI, contact Scott's firm at seilerlaw.com within the deadline requirements. Penalties for not filing are quite severe. It's not clear whether professional advisors would be penalized for neglecting to convey CTA requirements to their clients. Most accounting firms are notifying or have notified their clients, but do the owners understand, and are they taking it seriously? By covering this topic for our listeners, we hope to help prevent as many owners from paying these penalties as possible. Please share with your colleagues and advisory team, so they can do the same. Awareness of this requirement is low, as evidenced by the percentage of companies who have filed so far. Those who wait until December to do so could experience a system overload. Scott also touched on some new employer related laws that owners need to be aware of. Listen to the episode here Support the Show.Join the Twin Cities Chapter of EPI at the 2024 Owners Forum! Learn More and Register here

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee and listen to the Daily Compliance News. All from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, or general interest for the compliance professional. In today's edition of Daily Compliance News: Raytheon (RTX) sets aside $959MM for pricing, corruption probe fine. (Bloomberg) State Street agreed to $7.5MM fine for Russia sanctions violations. (WSJ) Top Trump bundler connected FirstEnergy corruption scandal. (Ohio Capital Journal) Trump vows to end crypto enforcement. (FT) For more information on the Ethico ROI Calculator and a free White Paper on the ROI of Compliance, click here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us on the Passive Investing from Left Field podcast as we welcome back Whitney Elkins-Hutten, the Director of Investor Education at PassiveInvesting.com and author of 'Money for Tomorrow'. In this episode, Whitney shares her insights on creating, keeping, and growing wealth, with a focus on multifamily investments, preferred equity, and debt funds. Don't miss out on her valuable advice for both new and seasoned investors. Subscribe now and learn how to secure your financial future!  About Whitney Elkins-Hutten Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate. Here are some power takeaways from today's conversation:03:19 Book released08:45 Passive vs. active investing15:05 What asset classes are doing well?17:34 Preferred Equity29:05 Mistakes LPs are making 32:38 Podcast recommendations33:53 Contact This show is for entertainment purposes only. Nothing said on the show should be considered financial advice. Before making any decisions, consult a professional. This show is copyrighted by Passive Investing from Left Field and Left Field Investors. Written permissions must be granted before syndication or rebroadcasting.       Podcast Recommendations:The Mind Pump Podcast: https://mindpumppodcast.com/Resources Mentioned:Contact the guest:LinkedIn: https://www.linkedin.com/in/whitneyelkinshutten/ Facebook: https://www.facebook.com/WhitneyHuttenInvesting Advertising Partners:Vyzer:https://vyzer.co/Left Field Investors:https://www.leftfieldinvestors.com/Rust Belt Capitalhttps://rustbeltcapital.com/Tribevest: https://www.tribevest.com/Avoiding Rookie Errors as a Left Field Investor: 20 Lessons Learned From 14 Years of Passive Investing in Private Syndications by Steve Suhhttps://www.leftfieldinvestors.com/books/

Act One Podcast - Episode 42 - Interview with Director and Screenwriter, Andrew Hyatt.Andrew Hyatt is the director and co-writer of the new film, SIGHT, starring Greg Kinnear and Terry Chen, which follows the true story of Dr. Ming Wang, a Chinese American who defies all odds to become a world-renowned eye surgeon. Drawing upon the grit and determination he gained from a turbulent uprising in his youth, Dr. Wang sets out to restore the sight of a blind orphan. The film is being released in theaters by Angels Studios on May 24th.Andrew is the award-winning writer/director of the historical drama, Paul, Apostle of Christ, which was released by Sony Pictures and Affirm Films in 2018, starring Jim Caviezel and James Faulkner. Made for a modest budget of $5MM, the film has grossed over $26.5MM in worldwide BO. Hyatt recently co-wrote/directed The Blind, the true story of the Robertson family long before their Duck Dynasty fame, which was released in 2023 by Fathom Events, marking its strongest theatrical release and grossed 17.3MM in worldwide BO. Hyatt has been credited with paving the way towards a new genre of films termed “sacred art house.” Hyatt was awarded a 'Lifetime Achievement Award' from the National Catholic Museum of Art in Washington, DC and the film was nominated for 'Most Inspirational Film' at the 2018 GMA Dove Awards and 'Most Inspiring Film' at the 2019 MovieGuide Awards. Hyatt also received a prestigious Christopher Award in the Feature Film category at the 70th Annual Christopher Awards in 2019. Hyatt's passion is in the creation of content that is deeply personal, seeking to tell stories that delve deeper into the drama of the human condition. Exploring good and evil, truth and beauty. Hyatt's film Full of Grace is the first film in history to focus on the final days of Mary of Nazareth. Released by Cinedigm in January of 2016, the film has been screened all around the world and praised for its unique insight into the humanity of often generically portrayed historical figures. It was the winner of 'Best Screenplay' at the 2015 John Paul II International Film Festival, and the winner of 'Best Film' at the 2016 Gabriel Awards. Hyatt is an alum of Loyola Marymount University. He is represented by Heroes and Villains Entertainment.The Act One Podcast provides insight and inspiration on the business and craft of Hollywood from a Christian perspective.Support the Show.

As CEO of 6sense, Jason Zintak leads the company's mission to help customers revolutionise revenue creation. Leveraging AI and data-driven intelligence, 6sense answers profound questions every B2B sales and marketing teams face, like which accounts are most likely tobuy, who should we reach out to, and what should we say to engage?Since Jason joined 6sense in 2017, the company has grown significantly by every measure, including increasing revenue from $5MM to $200MM+ ARR. Under his leadership, 6sense has been recognised for market-defining technology by Forbes Cloud 100, Inc. 5000, Deloitte Fast 500, Forbes AI50, Financial Times, Gartner, Forrester, and customer review platforms G2 andTrustRadius. The company has received recognition for its strong culture by Fortune and Inc.Magazine. Jason has also been honored by Goldman Sachs as one of the Most Exceptional Entrepreneurs of 2023. These accolades stem from Jason's focus on making smart moves, prioritizing people, andcreating a culture of innovation where every employee is inspired to challenge the status quo and create a better future.Jason is a proven leader with a winning record of excellence in scaling marketing and sales organisations in growth-stage B2B software companies. Over the past 23 years, Jason has helped establish disruptive platforms in marketing technology, ERP, CRM, and supply chain.Most recently, he was CEO of Platfora, a pioneer in big data analytics, which was acquired by Workday in 2016. Prior to that, he was CRO at Responsys, which was acquired by Oracle in 2013 for $1.5B, and EVP of worldwide sales and marketing for JDA Software (now Blue Yonder). He also spent eight years at SAP, where he served in various sales and leadershiproles spanning multiple technology categories and industry verticals.Jason's top leadership tips are to be curious and listen to understand; be genuine and practice humility; challenge yourself to aim high and then give it all you've got; have fun and enjoy the journey. Hosted on Acast. See acast.com/privacy for more information.

You may not have come from generation wealth, but generational wealth can come from you. Whitney Elkins- Hutten has the proven roadmap that can take you there!She is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth She is the co-author of the international #1 bestseller Resilient Women in Life and Business, & host of the Passive Investing Made Simple YouTube show and podcast. Whitney is also a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate. Listen NOW to discover, “How To Build & Protect Generational Wealth.” --- Support this podcast: https://podcasters.spotify.com/pod/show/30minutehour/support

The rainy day mirrored Dale's mood as we discussed the Leafs' heartbreaking game 7 loss to the Bruins. The Oilers move past the Kings in 5, but were they as good as the results?  What's next for the teams that lost and who will win the next round?    Listen Here:  iTunes  Google Play  Stitcher  Direct MP3   iHeart Radio Title Player  Ron Stackhouse  Series Updates EAST BOS 4 TOR 3 Gut wrenching loss Injuries brutal for Leafs - Woll, Matthews, Marner, Nylander  All the same storylines - will anyone be moved?  NYR 4 WAS 0  No surprise really.   CAR 4 NYI 1 Islanders are interesting - mediocrity defined Will Lamoriello stick around? Will they bring in someone as a successor?  FLA 4 TBL 1 Florida overwhelmed TBL Possession stats much better Goaltending big story TBL - wiil Stamkos stay? Milt Schmidt? Guess the 5th  Connections  Last Week - Dallas, Columbus, Minnesota, Washington  - all have stars in their logos This week  Wayne Gretzky, Larry Robinson, Mark Messier, Patrick Roy WEST Oilers 4 Kings 1 McDavid - 11 Assists Skinner strong Favourable calls by refs - what is going on? All power play 45% 9 G in 5 games!- were not impressive at 5v5 5v5 - GF 50% and xGF favoured Kings Pierre-Luc Dubois - $8.5MM through 2030-31  - good luck buying that out.  Questions about moves at GM?  Thoughts?  COL 4 WPG 1 Jets - Bowness back? any changes? VAN 4 NSH 2 All Canadian quarter final Arturs Silovs - comes in from out of nowhere and plays .938 SV% and a shutout in Game 6.  Tight series - Total goals 13-12 for Canucks 5v5 Total Goals 8-7  NSH - exceeded expectations VGK 3 v DAL 3 Game 7 - go STARS  Crazy Stat ROUND 2 Matchups -  VAN v EDM  Dale EDM 5  Mike EDM 6 COL v ?  Dale DAL 7  Mike COL 6 FLA v BOS  Dale FLA 6  Mike FLA 6 CAR v NYR  Dale CAR 7 Mike NYR 6  DOPeS - took the playoffs off - have set an out of office message that says “Player X has been fined for actions in Team X game.”  

How can you break free from the traditional 9-to-5 grind and create a life that allows you to prioritize what truly matters?   In this segment of Mindset Shorts, Suja welcomes back Whitney Elkins Hutton to discuss her journey towards achieving financial and time freedom. Whitney shares her personal experiences and the turning points that led her to realize the importance of being present for her family and having the flexibility to make choices that align with her values. Throughout the conversation, they explore the concept of the five freedoms - financial, time, choice, location, and impact - and how building a solid financial foundation can unlock these freedoms. Whitney emphasizes that while the journey may not be overnight, with determination and the right strategies, it is possible to break free from the traditional 9-to-5 and create a life on your own terms.   Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate. (00:00:00 - 00:02:00) The Turning Point: Whitney's Father's Health Crisis - Whitney shares how her father's health crisis in 2002-2003 was a turning point in her journey towards time and financial freedom - She realized the importance of being there for her family during tough times - This experience made her question the traditional work structure and its limitations   (00:02:00 - 00:04:00) Scaling Up and Facing Layoffs - As Whitney's daughter was born, she sought more flexibility in her schedule and began investing in real estate - In 2017, her department faced layoffs, and she was eventually served a pink slip after dedicating long hours to the company - This experience further solidified her desire to create a life with more control over her time   (00:04:00 - 00:06:00) Tasting Freedom and Never Looking Back - After being laid off, Whitney took an extended camping trip with her family and realized the power of saying "no" to immediate job offers - She discovered the empowerment that comes with having the financial foundation to make choices that prioritize her family and well-being - Once she experienced this freedom, she knew she could never go back to the traditional work structure   (00:06:00 - 00:08:00) Building a Financial Foundation for Empowerment - Whitney emphasizes that while she didn't have a substantial passive income at the time, her financial foundation allowed her to say "no" for a period of time - She discusses the importance of building a solid financial foundation to gain the ability to set boundaries and make empowered decisions - Whitney shares how she continued to prioritize her family's needs even as she transitioned into full-time real estate investing   (00:08:00 - 00:11:00) The Five Freedoms: Unlocking a Life of Choice - Suja and Whitney discuss the five freedoms: financial, time, choice, location, and impact - They explore how financial freedom can be the key to unlocking the other freedoms - Whitney encourages listeners to identify which freedoms they truly desire and to work towards creating a life that aligns with those values   Quote:   - "Feeling empowered that you have the right financial foundation and the right amount of passive income coming into where you can actually set some boundaries for yourself is so empowering." - Whitney Elkins Hutton   Connect with Whitney:   Website: PassiveInvestingwithWhitney.com   WANT TO LEARN MORE? Connect with me through LinkedIn. Or send me an email at sujata@luxe-cap.com Visit my website, www.luxe-cap.com, or my YouTube channel. Thanks for tuning in! If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!

How can you ensure that your wealth not only grows but also lasts for generations to come?   In this enlightening episode, Whitney Elkins-Hutten, the director of investor education at passiveinvesting.com and founder of Ash Wealth, shares valuable insights from her new book, "Money for Tomorrow: How to Build and Protect Generational Wealth." Whitney discusses the importance of not only creating and growing wealth but also keeping it and passing it on to future generations. She delves into the common mistakes people make that lead to significant financial losses and offers practical strategies to safeguard and multiply wealth. Additionally, Whitney explores the potential of express car washes and preferred equity investments in today's market.   Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate.     (00:00:00 - 00:09:59) Unlocking the Secrets to Generational Wealth - Learn about Whitney's background and her motivation for writing "Money for Tomorrow" - Discover the four rules you must master as an investor to win the wealth game - Understand the importance of keeping wealth and avoiding common pitfalls   (00:10:00 - 00:15:59) The Seven Pillars of Wealth: A Blueprint for Success - Explore the seven wealth pillars that help identify high-quality assets - Learn how to grade investments based on these pillars - Discover the ideal audience for "Money for Tomorrow" and how it can benefit both new and seasoned investors   (00:16:00 - 00:22:59) The Express Car Wash Revolution: A Lucrative Investment Opportunity - Uncover the potential of express car washes as an emerging asset class - Understand the key factors that make express car washes an attractive investment - Learn about the operational optimizations and revenue models that drive profitability   (00:23:00 - 00:27:59) Diversifying Your Portfolio: The Power of Debt Funds - Discover why investors are increasingly interested in debt funds in the current market - Learn about the unique features of Whitney's debt fund and how it minimizes default risk - Understand how debt funds can provide stable income and portfolio diversification   (00:28:00 - 00:33:00) Preferred Equity: Balancing Cash Flow and Growth - Explore the benefits of preferred equity investments in today's market - Learn how preferred equity can offer both guaranteed returns and profit participation - Discover how Whitney's alliance fund capitalizes on opportunities in performing multifamily real estate   Key Quotes: "Investors over concentrate on creating wealth and growing their wealth. Most investors lose it when they don't know how to keep it and pass it on to the next generation." - Whitney Elkins-Hutten   "If you don't have a plan for it, I guarantee you somebody else does." - Whitney Elkins-Hutten   Connect with Whitney:   Website: PassiveInvestingwithWhitney.com   WANT TO LEARN MORE? Connect with me through LinkedIn. Or send me an email at sujata@luxe-cap.com Visit my website, www.luxe-cap.com, or my YouTube channel. Thanks for tuning in! If you liked my show, LEAVE A 5-STAR REVIEW, like, and subscribe!    

On today's episode of the Entrepreneur Evolution Podcast, we are joined by Whitney Elkins-Hutten. Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: How to Build and Protect Generational Wealth published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800MM+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate.   You can explore more about Whitney on her website, PassiveInvestingWithWhitney.com   We would love to hear from you, and it would be awesome if you left us a 5-star review. Your feedback means the world to us, and we will be sure to send you a special thank you for your kind words. Don't forget to hit “subscribe” to automatically be notified when guest interviews and Express Tips drop every Tuesday and Friday. Interested in joining our monthly entrepreneur membership? Email Annette directly at yourock@ievolveconsulting.com to learn more.  Ready to invest in yourself? Book your free session with Annette HERE.  Keep evolving, entrepreneur. We are SO proud of you! --- Support this podcast: https://podcasters.spotify.com/pod/show/annette-walter/support

Igor Shaltanov, founder and managing partner of Avista Fund, transitioned from professional athletics to successful entrepreneurship and real estate investment in Southern California. Since 2015, Avista Fund has focused on raising capital and investing in income-generating multifamily properties, with a mission to provide investors with access to US real estate. With over 3,050 multifamily units valued at $483.5MM, Avista Fund prioritizes conservative underwriting and meticulous due diligence, delivering value to investors and communities alike through a values-driven approach.   Here's some of the topics we covered: Igor's Immigration From Russia To The US Why He Decided Not To Go Back To Russia A Quick “Seminar” In The Stock Market How To Align Yourself With a Partner What to Look For In a Partner Igor's First Real Estate Deal & The Lesson Learned Investing In California (Don't Do It) Lessons In Self Storage The Importance Of a Healthy Mindset    To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

John and Ashley lament Draymond Green's antics....again. What should Steph do? Then we call CAP on Harden saying he doesn't know why he was booed in Philly.Then Ash and John both give their Top 5 fraud lists and we finish with a discussion of Ice Cube's offer to Caitlin Clark to play in the BIG3 for $5MM!!! (0:00) Intro (2:00) Draymond Did It Again (14:00) Harden vs. Philly (24:00) Ashley's Top 5 Frauds (28:00) John's Top 5 Frauds (37:00) Caitlin Clark & The BIG3 To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Dale and Mike return from sun vacations to breakdown and discuss the big trade deadline deals and then look to the playoff races. Have the Oilers and Leafs done enough? Also, the DOPeS have been busy and we ask - did they create this mess?     Listen Here:  iTunes  Google Play  Stitcher  Direct MP3   iHeart Radio Banter -Vacations Title Player Charlie Huddy  News  Trade Deadline  Biggest Stories Vegas - Huge haul Tomas Hertl, 2025 3rd, 2027 3rd for David Edstrom, 2025 1st rnd pick  - SJS retains $1.3875 Noah Hanifin, - 3 way deal with CGY, PHI - Hanifin cap hit ends at $1.2375 -  Anthony Mantha  from WSH for 2024 2nd, 2026 4th  Conveniently Mark Stone $9.5MM on LTIR out - will he be back for playoffs? Friedge says SJS NOW fully rebuilding?????   Leafs quiet  -Joel Edmundson for 2024 3rd, 2025 5th  $875 retained Oilers - Adam Henrique, Sam Carrick from Ducks for 2024 1st, 2025 5th, 2025 4th - 3 way with TB to retain salary Troy Stecher from AZ for 2027 4th  Solid pick ups    Carolina  Kuznetsov from Washington for 2025 3rd - Kuz had been in minors  Guentzel from Pitt for Bunting, 3 AHL players, 2024 2nd, 2024 5th  Dubas getting picks to do a rebuild  Sabres / Avalanche - Byram for Middlestadt - was surprised Coyotes Arena - Coyotes to bid on land in North Phoenix - auction starts at 68.5 milliion.  Has to be the last chance. - Auction in 10 weeks Tortorella - gets ejected and initially won't leave bench Fun full explanation here  https://www.youtube.com/watch?v=gqdGemIZbA8   2 games and $25,000 fine Crosby moving? - seems to be lots of speculation all of a sudden Wild Pull goalie in OT and win - if they lost, would lose OT point - did you know that?    Guess the 5th  Connections - previous -Gretzky, Ovechkin, Lemieux, Hull  Hot / Not  - Full Standings with Current playoff positions  Atlantic - FLA 8-2-0 / DET 3-7-0 Metro - NYR,CAR 6-3-1 / PIT 3-6-1  EAST Wildcard  Race  Central - NSH 8-0-2 / CHI 3-5-2  Pacific - EDM 7-2-1 / SJS 1-7-2 - Vegas 3-6-1  West Wildcard Point of year when bad teams get REALLY bad - but no one is tanking ANA 3-7-0 SJS 1-7-2 CHI 3-5-2 OTT 3-6-1  Crazy Stat DOPeS Matt Rempe 4 games - https://www.nhl.com/news/topic/player-safety/rangers-rempe-suspended-four-games-for-elbowing-devils-siegenthaler   Parker Kelly 2 games https://www.nhl.com/news/topic/player-safety/parker-kelly-of-ottawa-senators-suspended-two-games-by-player-safety   Pospisil 3 games - https://www.nhl.com/news/topic/player-safety/flames-martin-pospisil-suspended-three-games-for-boarding   Lots of dirty stuff going on - is league clamping down or are players playing on edge because of lack of consistencies

200. Strikingly | David Chen dropped out from the University of Chicago to start Strikingly along with his two co founders, Teng Bao and Dafeng Guo. They moved to Silicon Valley with $100 in their pocket and were accepted into Y Combinator after eating ramen noodle in their 1-bedroom apartment for 5 months. Strikingly is a Y Combinator-backed startup that allows anyone to create a gorgeous, mobile optimized website in minutes, without any coding or design work. It has raised $1.5MM seed funding from top Silicon Valley investors.   *** For Show Notes, Key Points, Contact Info, Resources Mentioned, & the Fabulous 4 Questions on this episode visit our website: David Chen Interview. ***   If you have land in North Carolina, then check out: https://bubba-land.com/north-carolina/  

Whitney Elkins-Hutten is the Director of Investor Education at PassiveInvesting.com, Founder of AshWealth.com, author of Money for Tomorrow: A Sensible Guide to Building Wealth that Lasts published with BiggerPockets, co-author of the international #1 bestseller Resilient Women in Life and Business, host of the Passive Investing Made Simple YouTube show and podcasts, and a partner in $800M+ in real estate — including over 6500+ residential units, 15 express car washes, and more than 2200+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate.    In this episode, Karen and Whitney discuss: Success Story of Whitney  Commit to Get Leads Understand your energy levels and learn ways to network and build relationships and contacts.  Consult to Sell You need to know what you are looking to get from your portfolio. Know why you're investing and build what you're doing toward your North Star. Connect to Build and Grow Double down on building your network around you - this is the key principle between being an active and a passive investor.  Success Thinking, Activities and Vision Having an abundance mindset is to find freedom. Protecting your mind will allow to find the freedom that you are looking for. Lay out the roadmap and make the small shifts you need to make.  Sweet Spot of Success   "You are the CEO of your passive real estate portfolio. You are building a business and you should treat it as such."- Whitney Elkins-Hutten   *5 Minute Success - Listener Giveaway* Go to https://get.biggerpockets.com/whitney to receive FREE added bonuses if you buy Whitney's book!     Connect with Whitney Elkins-Hutten: Website: https://ashwealth.com/  Website: https://passiveinvestingwithwhitney.com/  Book: https://get.biggerpockets.com/whitney/  LinkedIn: https://www.linkedin.com/in/whitneyelkinshutten/  Facebook: https://www.facebook.com/whitney.hutten/  Facebook: https://www.facebook.com/WhitneyHuttenInvesting/   About the Podcast Join host Karen Briscoe each month to learn how you can achieve success at a higher level by investing just 5 minutes a day! Tune in to hear powerful, inspirational success stories and expert insights from entrepreneurs, business owners, industry leaders, and real estate agents that will transform your business and life. Karen shares a-ha moments that have shaped her career and discusses key concepts from her book Real Estate Success in 5 Minutes a Day: Secrets of a Top Agent Revealed.   Here's to your success in business and in life! Connect with Karen Briscoe: Facebook: 5MinuteSuccess Website: 5MinuteSuccess.com Email: Karen@5MinuteSuccess.com   5 Minute Success Links Learn more about Karen's book, Real Estate Success in 5 Minutes a Day Karen also recommends Moira Lethbridge's book "Savvy Woman in 5 Minutes a Day" Subscribe to 5 Minute Success Podcast   Spread the love and share the secrets of 5 Minute Success with your friends and colleagues!     Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.  

The Rams have kicked off the 2024 offseason by cutting Brian Allen, and re-signing Demarcus Robinson to a 1-year, $5MM deal. Sean McVay also discussed working out a deal with Coleman Shelton and his representation in a recent press conference, as well as the future of Joe Noteboom. While this was all happening, the NFL broke news that the salary cap is increasing over $30MM for the 2024 season, and the Rams hired Sean Desai from Philadelphia to work with the offense/offensive coaches from a defensive perspective. The 2024 season already feels well under way.See omnystudio.com/listener for privacy information.

Navigating the Cannabis Landscape with Kris Walker Co-Founder at HoodieIn this episode of "Thinking Outside the Bud," Bruce Eckfeldt welcomes Kris Walker, President and Co-founder at Hoodie, as the special guest. Together, they navigate the intriguing intersection of cannabis and data analytics, delving into the evolving landscape of the cannabis industry. The conversation explores how data insights are transforming various aspects of cannabis businesses, from product sales to strategic decision-making. Kris Walker, with a wealth of experience in data analytics and technology, sheds light on the unique challenges and opportunities within the cannabis space. The episode unveils how Hoodie is pioneering a revolution by making data as comfortable as a favorite hoodie, empowering businesses to thrive in the dynamic cannabis market. Join them for an insightful discussion on the current and future dynamics of cannabis and data. Kris Walker is the Co-Founder, President, and Chief Commercial Officer at Hoodie. Hoodie tracks over 3.5MM daily unique offers in over 10,500+ dispensaries in the US & Canada, making Hoodie the largest and most impactful platform for next day insights into leading sales metrics such as cannabis pricing, promotion, stocking status, distribution and share of shelf. Hoodie combines this unparalleled coverage with first-of-its-kind, next-day insights so businesses can access market trends and data within hours. Kris leads Hoodie's customer acquisition and customer experience efforts — overseeing sales, marketing, analytics, product strategy, and the delivery of successful client outcomes.Prior to Hoodie, Kris was Senior Vice President and Global Client Leader for Nielsen, the S&P 500 firm and global leader in audience insights, data, and analytics that shape the future of media. At Nielsen, Kris drove product innovation, leveraging Nielsen's data marketplace and broad analytics capabilities to deliver exceptional value for clients' business performance worldwide. Kris is also the co-founder of Big Chalk Analytics, a technology-enabled analytics consulting firm that connects progressive companies with world-class analytics, insights, and talent — including individuals, teams, and suppliers through a proprietary talent network aligned with the most important analytics and insights issues facing the CPG/FMCG industry.Kris is a passionate global executive with proven experience in transforming start-up and turnaround businesses. He's awarded and recognized for leading through innovation, building enviable teams and clients, and leveraging strategic and analytical skills to consistently exceed revenue and EBITDA targets. Kris holds a Bachelors of Science in Commerce with Concentrations in Marketing and International Business from the University of Virginia. https://www.hoodieanalytics.com/https://www.linkedin.com/company/hoodieanalytics/

The New York Yankees will no longer have Wandy Peralta in the bullpen because he signed a four-year/$16.5MM contract with the San Diego Padres. Peralta has reunited with Michael King, Kyle Higashioka, and the rest of the guys who were part of the Juan Soto trade. Stacey and Steve discussed the contract (which has three opt-outs) and losing Wandy. They also discuss the left-handed options the Yankees have remaining in the bullpen for 2024. Then, it's Fanmail Friday! Stacey and Steve, answer your questions about the Yankees and about Scott Boras clients! Finally, the Orioles were sold for $1.75B, and Stacey and Steve talk about what that could mean for the Yankees and the rest of the AL East. And speaking of the Orioles, Aaron Hicks, who played there last year, and who is obviously a former Yankee, signed an MLB deal with the Angels for 2024. Join the LOY Insiders Club via subtext! https://joinsubtext.com/lockedonyankeesWhat is the insider's club? https://youtu.be/BItWi-kbIJY?t=1468Subscribe on YouTube: https://www.youtube.com/channel/UCH5857VCyYLAzsWr9vHk4sQFollow Stacey On Twitter: https://twitter.com/StaceGotsSubscribe to Steve's YouTube: https://www.youtube.com/@stevegranadoFollow Steve On Twitter: https://twitter.com/SteveGranadoFollow the Show On Twitter: https://twitter.com/LockedOnYankeesSupport Us By Supporting Our Sponsors!Factor MealsHead to FactorMeals.com/lockedonmlb50 and use code lockedonmlb50 to get 50% off. eBay MotorsWith all the parts you need at the prices you want, it's easy to turn your car into the MVP and bring home that win. Keep your ride-or-die alive at EbayMotors.com. Eligible items only. Exclusions apply. eBay Guaranteed Fit only available to US customers.GametimeDownload the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase.FanDuelNew customers, join today and you'll get TWO HUNDRED DOLLARS in BONUS BETS if your first bet of FIVE DOLLARS or more wins. Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The New York Yankees will no longer have Wandy Peralta in the bullpen because he signed a four-year/$16.5MM contract with the San Diego Padres. Peralta has reunited with Michael King, Kyle Higashioka, and the rest of the guys who were part of the Juan Soto trade. Stacey and Steve discussed the contract (which has three opt-outs) and losing Wandy. They also discuss the left-handed options the Yankees have remaining in the bullpen for 2024. Then, it's Fanmail Friday! Stacey and Steve, answer your questions about the Yankees and about Scott Boras clients! Finally, the Orioles were sold for $1.75B, and Stacey and Steve talk about what that could mean for the Yankees and the rest of the AL East. And speaking of the Orioles, Aaron Hicks, who played there last year, and who is obviously a former Yankee, signed an MLB deal with the Angels for 2024.  Join the LOY Insiders Club via subtext! https://joinsubtext.com/lockedonyankees What is the insider's club? https://youtu.be/BItWi-kbIJY?t=1468 Subscribe on YouTube: https://www.youtube.com/channel/UCH5857VCyYLAzsWr9vHk4sQ Follow Stacey On Twitter: https://twitter.com/StaceGots Subscribe to Steve's YouTube: https://www.youtube.com/@stevegranado Follow Steve On Twitter: https://twitter.com/SteveGranado Follow the Show On Twitter: https://twitter.com/LockedOnYankees Support Us By Supporting Our Sponsors! Factor Meals Head to FactorMeals.com/lockedonmlb50 and use code lockedonmlb50 to get 50% off.  eBay Motors With all the parts you need at the prices you want, it's easy to turn your car into the MVP and bring home that win. Keep your ride-or-die alive at EbayMotors.com. Eligible items only. Exclusions apply. eBay Guaranteed Fit only available to US customers. Gametime Download the Gametime app, create an account, and use code LOCKEDON for $20 off your first purchase. FanDuel New customers, join today and you'll get TWO HUNDRED DOLLARS in BONUS BETS if your first bet of FIVE DOLLARS or more wins. Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, I host Garrett Williams from G&M Outdoor Services in Big Lake Minnesota. Garrett started a landscaping & excavation business before he turned 20 yrs old, and he's grown it to $5MM in annual revenues. Garret's positive mindset is infectious, so make sure to give this episode a listen if you're a contractor looking to grow your business!

In a wild week in hockey, William Nylander signed an 8 year, $11.5MM contract keeping him in Toronto for the long term. The Oilers continue their hot streak breaking a team record with a 10 game winning streak. What is the best line in the NHL right now? Ever?     Listen Here:  iTunes  Google Play  Stitcher  Direct MP3   iHeart Radio Title Player Russ Courtnall - 447 Assists Feedback - Arvids from Latvia  Pat from Detroit  News  Nylander signs for $11.5/season - 13.7% of cap Comparables - McDavid 16.7% (when signed) Auston Matthews - 15.87%  Nathan MacKinnon - 15.27% Big Extensions coming - how does Nylander affect-  Sam Reinhart ($6.5MM)- UFA at end of season Elias Petterson ($7.35MM)- RFA at end of season Leon Draisaitl - ($8.5) 1 more year - can sign July 1    2. Cutter Gauthier traded for Jamie Drysdale  What happened? - - was all in to be drafted by Flyers july 2022 - Totorella already coach -March 2023, Fletcher fired, Briere hired - after season ended (basically same time) Gauthier wanted to finish season with Flyers - shortly after, said he didn't want to be a Flyer   3. Borje series- episodes 1 & 2 review   4. PWHL - Minnesota leads the league 3-0 - seem to be the team to beat Montreal - 2-1 Ottawa 1-0  5. Rumours - Markstrom to Carolina? pure speculation but makes sense - .910 SV%  Calgary have some good players and sounds like they will be sellers Lindholm - UFA Hanifin - UFA Tanev -UFA All Star Sweaters - ugh 6. #81 Linesman - brutal - Ryan Daisy - lined game between Edmonton and Montreal  7. Double digit points streaks - 14 for McDavid - ties Lemieux. Next is Lafleur 15. Gretzky -31   Guess the 5th   Listener Quiz?    Best Line in Hockey Now?  Ever?  via moneypuck.com Goals For GF / 60  GF% Production Line 1947-52 - Detroit - Ted Lindsay, Gordie Howe, Sid Abel - 2 Cups, 3 Art Ross, 1-2-3 in scoring in 1949-50 Nitro line 1967-75 Boston - Phil Esposito, Wayne Cashman, Ken Hodge - 2 Cups, 1-2-4 in scoring in 73-74 (Bobby Orr was 20 Punch Line - 1942-48 Montreal - Elmer Lach, Toe Blake, Maurice Richard - 2 cups, 1-2-3 in scoring in 1944-45 Crazy Stat Hot / Not Atlantic FLA 9-1-0 / MTL 3-5-2 Metro CAR 7-1-2 / CBJ 2-4-4 Central WPG, COL 8-1-1 / CHI, MIN 2-7-1  Pacific EDM 10-0/ SJS 1-9-0  - SEA 9-0-1    DOPeS - heard people saying Cousins leapt into boards to embellish on Zucker hit. Watched again. No chance. 3 games was way too little. Borderline Hunter hitting Turgeon for 20 games. NHL “while Zucker insists this wasn't retribution”. Why say that - there is no chance it wasn't.    

On today's Lunch With Norm, we are with the founder of Rebaid, and more recently ZonVids, Brendon Fields! We discussed how to generate commission-free revenue on Amazon and more. Find out what strategies can be used to generate commission-free revenue on Amazon. Our guest started an Amazon store in 2013 selling in the Sports & Outdoors category which he grew to nearly $5MM in annual revenue.    This episode is brought to you by Post Purchase Pro   Post Purchase PRO specializes in helping Amazon sellers create more sales, ranking, and reviews through post purchase marketing. Finally your email marketing can be actively managed by professionals with over 30 years experience so you can focus on running your business. Increase repeat purchases, drive better organic search term ranking, get more reviews, and build a real asset.   For more information visit https://www.postpurchasepro.com/lunch   This episode is brought to you by Startup Club   Startup Club is the largest club on Clubhouse supporting the Startup ecosystem. Startup Club offers an exciting sense of belonging to established and aspiring entrepreneurs, startup businesses, and companies wanting to Learn, Connect, and Grow. Join us for conversations with founders, entrepreneurs, angel investors, venture capitalists, subject matter experts, and more.   For more information visit https://Startup.club   This episode is brought to you by VAA Philippines   VAA offers Amazon sellers access to high-quality and reliable virtual assistants from the Philippines. VAA invests in their virtual assistants through a thorough screening process, intensive Amazon training, ongoing professional development and support. Hiring through VAA gives Amazon sellers peace of mind with a dedicated, skilled and motivated virtual assistant who is committed to a long-term working relationship. The company's founders have a deep understanding of the Amazon marketplace and ensure that their virtual assistants are always up-to-date with the latest tools and trends.   For more information visit https://www.vaaphilippines.com   This episode is brought to you by Seller Basics   Seller Basics is the ultimate guardian for account suspensions, ASIN hiccups, and IP headaches. For only $99 per month, Seller Basics provides a dedicated team to safeguard your business. And that's not all! Gain access to free legal consultations with seasoned eCommerce attorneys. With no binding contracts, you can cancel anytime with just a month's notice.   Consider Seller Basics your Amazon account's comprehensive health plan.   For more information visit https://www.sellerbasics.com   In this episode, the founder of Rebaid, and more recently ZonVids, Brendon Fields, is here. Today, we discussed how to generate commission free revenue on Amazon and more. He started an Amazon store in 2013 selling in the Sports & Outdoors category which he grew to nearly $5MM in annual revenue.   This episode is brought to you by Startup Club, VAA Philippines, Post Purchase Pro, Seller Basics, and HONU Worldwide..   *All conversations and information exchanged on the Lunch with Norm podcast or interaction on the Lunch with Norm Website is intended for educational and entertainment purposes only. Do not confuse this with advice or direction with your business per se. Always do your own research before following advice from any podcast/website. Amazon's Terms of Service is always changing. Make sure you are following relevant up-to-date information.

Join host Jonathan Hayek with guest Whitney Elkins-Hutten. Whitney is the Director of Investor Education at PassiveInvesting.com and a  partner in $800MM+ in real estate — including over 6500+ residential units (MF, MHP, SFR, and assisted living), 7 express car washes, and more than 2000+ self-storage units across 11 states—and experience flipping over $5MM in residential real estate. Enjoy learning about:- How a bus fell on one of her houses!- How to push past the ceiling of achievement- How to achieve the 5 freedoms- How truly passive income transformed her finances- The incredible opportunity of investing in car washes- The top questions to ask a syndicator when investing passively- Plus tons more!Connect with Whitney:https://www.passiveinvesting.com/whitney/Support the podcast by making a monthly donation through Patreon. When you contribute, you'll get access to bonus content not available anywhere else. If you enjoyed this episode, you would probably enjoy reading my weekly newsletter. Every Friday, you'll get a behind the scenes look at my investing, including current events in commercial real estate, deals I'm working on, and random personal things going on in my life. It's a super quick read and you can unsubscribe anytime. - Jonathan Subscribe to the newsletter here: www.thesourcecre.com/newsletterEmail Jonathan with comments or suggestions:podcast@thesourcecre.comOr visit the webpage:www.thesourcecre.com*Some or all of the show notes may have been generated using AI tools.

Why Acquisition Entrepreneurs Should Know Pari Passu (who?)We had John Thwing, "The SBA Guy" in the studio today to talk about SBA financing for acquisitions of small businesses. When it comes to entrepreneurship, John says "don't start one, buy one!"  When the deal makes sense from all the fundamental angles, John says it's always better to buy a business that has cash flow on day one. Not that start ups are bad, in fact they're necessary in many situations, but most entrepreneurial endeavors include financially supporting the owner in some way. SBA financing can be a great catalyst for achieving a business acquisition, whether it's your first or 15th company.  The SBA lending threshold is $5MM, but there's an option that many buyers are not aware of that allows you to finance more than $5MM with the same terms as the SBA loan and in the same lien position. It's called "Pari Passu", and it basically allows for two loans on the same business with SBA terms in an equal priority position. With the right mix of cash flow, buyer expertise and down payment (still a minimum of 10%) this can expand buying options beyond a mainstreet size company. As long as the business can support the debt service on the loans, this type of financing can be a gamechanger for the opportunistic entrepreneur. Live Oak Bank is the largest SBA Lender in the United States. The point of entry for any bank is to become an "SBA Preferred Lender", but John says that working with a lending specialist is key. Most bankers, he says, are not deal professionals because they perform other services for the bank, like opening accounts and other customer related services. When you need creative deal structure, especially when SBA financing is your path, you need someone who does it everyday. You can connect with John here and Julie here Listen to the episode hereSupport the showAre you ready for your best exit? There is no time like the present to prepare. Check out these resources offered by KeyeStrategies: Business Readiness Transition online course Free Ebook download here Purchase Poised for Exit book here

Title: Flyover Friday, November 10, 2023Intro: On this episode of The Heartland POD for Friday, November 17, 2023A flyover from this weeks top heartland stories including:GOP Senators can't stop Biden's student loan plansIllinois legislature approves plan for Small Nuclear ReactorsOhio Republicans can't take a hintOhio Secretary of State misses personal financial disclosure deadlineBiden Administration expands veterans' health careDemocrat Dan Kildee of Michigan is retiringWelcome to The Heartland POD for a Flyover Friday, this is Sean Diller in Denver, Colorado.We're glad to have you with us. If you're new to our shows make sure you subscribe and leave a 5 star rating wherever you listen. You can also find Heartland POD content on Youtube and on Twitter @ THE heartland pod. Alright! Let's get into the storieshttps://missouriindependent.com/briefs/attempt-to-kill-biden-student-debt-relief-plan-tied-to-income-fails-in-u-s-senate/Senate Republicans fail to kill President Joe Biden's income-based student debt relief planBY: ARIANA FIGUEROA - NOVEMBER 16, 2023 7:10 AM     WASHINGTON — Sen. Joe Manchin III of West Virginia was the sole Democrat who joined Republicans in backing the resolution, which was 2 votes short of passing.Following the vote, Senate Majority Leader Chuck Schumer said “There are millions of students, poor, working class … who will benefit from what the president has done. Republicans don't think twice about giving huge tax breaks to ultra-wealthy billionaires and large corporations, but when it comes to helping out working families with student debt relief, suddenly it's too much money, it will raise the deficit, we can't afford it. Give me a break.”The Department of Education unveiled the Saving on a Valuable Education, or SAVE, plan hours after the Supreme Court in June struck down the Biden administration's one-time student debt cancellation that would have forgiven up to $10,000 in federal student loan debt for anyone making less than $125,000 per year.Borrowers who received Pell Grants would have been eligible for an additional $10,000 in forgiveness of federal student loans.The new income-driven repayment plan calculates payments based on a borrower's income and family size and forgives balances after a set number of years. More than 5.5 million student loan borrowers have already enrolled in the SAVE plan, according to data released by the Department of Education.Repayments on federal student loans restarted last month after a nearly three-year pause due to the coronavirus pandemic.With the SAVE plan, borrowers with undergraduate loans will pay 5% of their discretionary income, rather than the 10% required under previous income repayment plans. https://capitolnewsillinois.com/NEWS/illinois-lawmakers-approve-plan-to-allow-small-scale-nuclear-developmentIllinois lawmakers approve small-scale nuclear developmentThursday, November 9, 2023Governor, who vetoed previous bill, supports new effortBy ANDREW ADAMS Capitol News Illinoisaadams@capitolnewsillinois.comSPRINGFIELD – Lawmakers on Thursday approved a proposal that would allow companies to develop new nuclear power generation in Illinois for the first time since 1987. House Bill 2473 does not entirely lift the 36-year-old moratorium on nuclear construction, but rather creates a regulatory structure for the construction of small modular nuclear reactors, or SMRs. The bill limits the nameplate capacity of such reactors to 300 megawatts, about one-third the size of the smallest of the six existing nuclear power plants in Illinois. It also requires the state to perform a study that will inform rules for regulating SMRs, which will be adopted by regulators at the Illinois Emergency Management Agency by January 2026.  Proponents of the measure say it is a step to make the ongoing transition away from fossil fuels more reliable for customers throughout the state, while opponents warn the unproven technology comes with safety risks and the potential for cost overruns. The bill passed with bipartisan support in the Senate, 44-7, and the House, 98-8. The opposition came exclusively from Democrats. Gov. JB Pritzker said in a statement that he would sign the bill. He worked with lawmakers on the new bill after vetoing a broader measure this summer. Leadership of the Illinois AFL-CIO umbrella labor organization released a statement Thursday calling the policy “important for our state's economy and our clean energy future.” It echoed a release from the Illinois Manufacturers Association, an industry advocacy group that testified in support of the proposal several times, saying that it would allow the state to “continue leading in energy and manufacturing innovation.”The legislation's sponsors, Republican State Sen. Sue Rezin, and Democratic State Rep. Lance Yednock said the bill has the potential to bolster Illinois' electric reliability as intermittent sources like wind and solar begin to make up a larger portion of the state's energy output. Sen. Rezin said she is particularly interested in the potential for SMRs to be developed at the sites of former coal plants in Illinois, avoiding the need to build new transmission lines. Because permitting nuclear energy takes many years at the federal level, the earliest a nuclear project could be brought online in Illinois would be in the 2030s.  But critics of the bill and of nuclear power are worried.David Kraft, an outspoken critic of nuclear energy and head of the Chicago-based advocacy group Nuclear Energy Information Service, urged lawmakers at a Thursday committee meeting to reject the bill. Kraft said he was concerned about the lack of existing SMR installations and the unproven nature of the technology. While some nuclear reactors of this scale do exist in other countries, no commercial SMRs have ever been built in the United States. In a follow-up interview, Kraft said that SMRs bring with them security concerns, as the smaller installations have different staffing requirements than traditional reactors and use a more highly enriched type of uranium. This relative abundance of this uranium, according to Kraft, could incentivize the further proliferation of nuclear weapons. Sierra Club Illinois chapter director Jack Darin called nuclear energy “at best, a distraction.” Sierra Club was one of the main advocacy organizations that sought Pritzker's veto of the previous bill. Since 2016, five other state legislatures have either repealed or weakened their bans on nuclear construction. Counting Illinois, bans on nuclear construction remain on the books in 11 states. Several of the states that have lifted their bans in recent years have done so to pave the way for SMR technology. But the biggest player in that industry has seen several upsets in recent weeks. As lawmakers debated the bill on Wednesday, NuScale Power – the only company with a federally approved SMR design – announced that it was canceling its highly watched “Carbon Free Power Project” in Utah, which would have been the first commercial project with a NuScale reactor. The project's cancelation comes after months of falling stock prices and criticism from trading firms. Still, its leaders say the company will continue with its other projects, which are at various steps of regulation and planning. Bill sponsor Sen. Rezin noted that “there's a lot to learn” from NuScale's canceled project, but hopes Illinois' and other states' moves to reverse their construction bans will encourage nuclear energy development in the U.S. She said “If we do not build out this technology with companies that are in the United States, there's other companies and countries such as Russia that are looking to sell that technology. We don't want that.” Capitol News Illinois is a nonprofit, nonpartisan news service covering state government. It is distributed to hundreds of print and broadcast outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation, along with major contributions from the Illinois Broadcasters Foundation and Southern Illinois Editorial Association.https://ohiocapitaljournal.com/2023/11/16/ohio-senate-gop-floats-idea-of-15-week-abortion-ban-despite-voters-saying-no/Ohio Senate GOP floats 15-week abortion ban despite voters saying noBY: MORGAN TRAU - NOVEMBER 16, 2023 5:00 AMThe Ohio Senate president has floated the idea of a 15-week abortion ban following voters decisively choosing to keep lawmakers out of their reproductive care.The debate over Issue 1 continues at the Statehouse. Some fringe and alt-right Republican House representatives are infuriated with the voters who stood up to secure abortion rights in the state.Issue 1, the proposal to enshrine abortion access into the state constitution, passed 57-43% on election night. Despite this large victory, Statehouse Republicans have been mulling over ways to combat it.State Rep. Jennifer Gross (R-West Chester) is seemingly leading this fight with other far-right representatives Bill Dean (R-Xenia), Melanie Miller (R-Ashland) and Beth Lear (R-Galena). The quartet is described by other Ohio Republicans as being on the extreme end of their caucus due to anti-vaccine beliefs, peddling of conspiracy theories, and attacks on the LGBTQ+ community.Describing a potential 15-week abortion ban, GOP Senate President Matt Huffman said “clearly there is a majority of people in Ohio” who want the ban - however, that would of course be the opposite of what the voters just said a week ago. ere are no statistics to prove this, and based on the language of Issue 1, the voters chose not to have any restrictions before viability.Statehouse reporter Morgan Trau asked President Huffman “Would 15 weeks be going against the will of the people?” He said he didn't know.After the election where Ohioans stood up to demand abortion rights, the Senate President said this “wasn't the end” and there would be a “revolving door” of repeal efforts.  This article was originally published on News5Cleveland.com and is published in the Ohio Capital Journal under a content-sharing agreement. Unlike other OCJ articles, it is not available for free republication by other news outlets as it is owned by WEWS in Cleveland.https://ohiocapitaljournal.com/2023/11/16/sec-frank-larose-misses-deadline-for-u-s-senate-financial-disclosures/Ohio Secretary of State Frank LaRose misses extended reporting deadline in U.S. Senate race. He's the only one who didn't file. BY: NICK EVANS - NOVEMBER 16, 2023 4:55 AM     The three Republican candidates hoping to topple U.S. Sen. Sherrod Brown, D-OH, go before voters in a few months, and by now should've disclosed information about their personal finances. Two of them, state Sen. Matt Dolan and entrepreneur Bernie Moreno, have done so. But after filing an extension through Nov. 14, though, Ohio Secretary of State Frank LaRose still has not.In both the U.S. House and U.S. Senate, candidates and members have to regularly file disclosures that describe their financial positions, assets and liabilities. But the reports stick to broad strokes. Filers name their mutual funds, for instance, but the amount of their holdings are bracketed — $1,001-$15,000, $15,001-$50,000, etc.Current U.S. Senator Sherrod Brown reported about $27,000 in retirement income from his time as a state official. His U.S. Senate income doesn't need to be disclosed, nor do his U.S. Senate retirement accounts.Brown also reports serving as a trustee at Gallaudet University in Washington D.C. since 2008.Under U.S. Senate rules, candidates must file financial disclosure reports within 30 days of becoming a candidate. LaRose announced his candidacy July 17, and filed for a financial disclosure extension August 9. That extension gave him until November 14 to file his report.Despite that 90-day reprieve, LaRose still has yet to file. The Ohio Capital Journal reached out to his campaign to see if the report has been filed but not yet posted or if the campaign has requested a further extension. The campaign did not respond.Late filing carries a $200 penalty and failing to file or filing a false report carries a civil penalty of up to $50,000.LaRose's failure to file thus far is particularly notable given a $250,000 personal loan he made to his campaign in September. While his Republican opponents have loaned their campaigns significantly more money, LaRose's previous disclosures from his time as a state lawmaker don't suggest he'd have that much cash readily available.Chagrin Falls Republican Matt Dolan comes from a wealthy family that owns the Cleveland Guardians baseball team. In addition to serving in the legislature, Dolan has worked in the Geauga County prosecutor's office and as an Assistant Attorney General.The state senator's investment holdings are vast—including stocks from more than 250 companies, more than 50 mutual funds and bonds. He reports a Morgan Stanley money market account with more than $1 million alone as well as several mutual funds worth more than half a million dollars each.Dolan also reports a handful of retirement accounts, partial ownership of several LLCs and real estate. One residential building brought in more than $50,000 in rent.In addition to his income Dolan holds personal line of credit with Morgan Stanley worth at least $5 million. The interest rate for that credit line is just 5.96% according to Dolan's amended report — roughly 2.5 percentage points below the current prime rate.Dolan has loaned his campaign a total of $7 million.Next, there's Bernie MorenoIf anything, Moreno's disclosure is even more complex. The Westlake entrepreneur began his business career selling cars, and his report describes his role as director of 17 different automotive business entities, most of which are no longer operating. But from cars, Moreno has branched into several other lines of business including real estate and tech.Moreno's assets are held in a series of trusts, and the report includes several notes about partial ownership and recent sales. He owns 65% of Dryver, LLC, for instance, which the report values at between $5 million and $25 million. Moreno recently sold off his stake in a different company called Champ Titles, and reports making more than $5 million on the deal.He has investments worth at least half a million dollars in handful of Tel Aviv companies working technology, social media investing and healthcare AI. Moreno has also invested in Narya, the venture capital firm U.S. Sen. J.D. Vance, R-OH, started before running for office. Vance has endorsed Moreno's senate bid.Moreno also reports owning millions in residential and commercial real estate. He owns 43% of a home in Ocean Reef, FL worth at least $5 million. It appears the property is a rental because it generated more than $50,000 in income. Moreno also owns a 1% stake condos located in Washington, D.C., and New York City, as well as a $1 million unimproved parcel in Zapotal, Costa Rica, and at least $1.5MM sitting in two checking accounts.Moreno has loaned his campaign $3 million.https://kansasreflector.com/briefs/veterans-health-care-coverage-expanded-by-biden-administration/Biden Administratoin expands Veterans' health care coverage BY: JACOB FISCHLER - NOVEMBER 10, 2023 4:01 AM     Officials said the Department of Veterans Affairs will expand health care coverage for certain groups of veterans and their families, and create new programs meant to make care more accessible.The VA will make coverage of certain toxic burn pit-related conditions available sooner than anticipated. Family members of veterans who served at North Carolina's Marine Corps Base Camp Lejeune from between 1953 and 1987 will be eligible to have the costs of treating Parkinson's disease covered. And all living World War II veterans will be eligible for no-cost health care, including at nursing homes, the department said in a series of news releases.The administration will also create a new graduate medical education program to help expand health care availability for veterans in rural, tribal and other underserved communities. And the VA will spend $5 million on an advertising campaign aimed at having more veterans sign up for services.https://michiganadvance.com/2023/11/16/dan-kildee-dean-of-michigans-u-s-house-delegation-wont-run-for-reelection-in-2024/Dan Kildee, dean of Michigan's U.S. House delegation, won't run for reelection in 2024Retirement leaves open a key seat made more competitive with redistrictingBY: KEN COLEMAN - NOVEMBER 16, 2023 1:53 PM     Kildee, who is 65, said a cancer diagnosis this year caused him to reassess his career plans. Kildee's retirement from the 8th Congressional District including Genesee, Bay and Saginaw counties and portions of Midland County, leaves open a seat made more competitive during the last redistricting process. The nonpartisan Cook Political Report with Amy Walter has moved the seat from “leans Democratic” to a “tossup.”A number of candidates could line up to run in 2024 from both parties. Republican Martin Blank, a surgeon, has already declared. Other Republicans who could run are last year's nominee Paul Junge, former House Speaker Tom Leonard and state Rep. Bill G. Schuette (R-Midland).On the Democratic side, potential candidates could include former Senate Minority Leader Jim Ananich (D-Flint), Flint Mayor Sheldon Neely, state Sen. Kristen McDonald Rivet (D-Bay City), former state Rep. Pam Farris (D-Clio) and state Sen. John Cherry (D-Flint).In a 2020 interview with the Michigan Advance, Kildee recalled having only been in Congress for a few years when news of the Flint water crisis broke.“That was one of those moments where I knew why I was there. I knew exactly why I was in Congress. I had to go to bat for my hometown because they only had one member of Congress, and I had to persuade a whole bunch of people to help me out with Flint.”Kildee has served as a leader in the House Democratic caucus and has been a close ally of former House Speaker Nancy Pelosi (D-Calif.). He is the co-chair of the House Democratic Steering Committee. Pelosi told the Advance in 2020 that Kildee “has proudly carried on his family's long legacy of service, becoming a tremendous champion for the people of Flint and all Michiganders” as part of leadership.“As a powerful member of the Ways and Means Committee, his persistent, dissatisfied leadership has delivered critical resources to strengthen and develop his community and ensure that our budget remains a reflection of our nation's values. Congressman Kildee's bold vision and expert guidance as chief deputy whip has been invaluable to House Democrats as we work to advance progress that make a difference in the lives of hard-working families in Michigan and across the country.”Gov. Gretchen Whitmer said through a statement that “no one fights harder for his constituents than Dan Kildee.“Congressman Kildee knows the Bay region like the back of his Michigan mitten, and I am so grateful for our productive partnership,” Whitmer said. “I am grateful for our collaboration to bring progress to areas of Michigan that too many left behind. We brought good-paying, middle-class manufacturing jobs back to Flint, worked to lower the cost of prescription drugs with President Biden, and delivered on the issues that make a real difference in people's lives.”   U.S. Rep. Elissa Slotkin (D-Holly) called Kildee's retirement “a huge loss for Congress, for Michigan, and for me personally. The center of his work is and always has been his hometown of Flint, for which he has fiercely advocated especially in the darkest hour of the Flint water crisis,” Slotkin said. “While I'm thankful I have another year to work with him, and thrilled that he is moving on to his next chapter, this departure stings.”U.S. Rep. Debbie Dingell (D-Ann Arbor) said that Kildee “will be missed. His deep knowledge of many issues and his concern for others has made a difference in countless lives, and his years of service have benefited our country in many ways,”Advance Editor Susan J. Demas contributed to this story.We will definitely have more on the developing primary picture for this open seat in Michigan, as well as the new open seat in Virginia as Abby Spanberger runs for Governor, and everything else that happens as we are now just a couple of short months from the 2024 primary season.Well that's it for me. From Denver I'm Sean Diller. Stories featured in today's show appeared first in the Kansas Reflector, Michigan Advance, Ohio Capitol Journal, Missouri Independent and Capital News Illinois. Thanks for listening, see you next time. 

Title: Flyover Friday, November 10, 2023Intro: On this episode of The Heartland POD for Friday, November 17, 2023A flyover from this weeks top heartland stories including:GOP Senators can't stop Biden's student loan plansIllinois legislature approves plan for Small Nuclear ReactorsOhio Republicans can't take a hintOhio Secretary of State misses personal financial disclosure deadlineBiden Administration expands veterans' health careDemocrat Dan Kildee of Michigan is retiringWelcome to The Heartland POD for a Flyover Friday, this is Sean Diller in Denver, Colorado.We're glad to have you with us. If you're new to our shows make sure you subscribe and leave a 5 star rating wherever you listen. You can also find Heartland POD content on Youtube and on Twitter @ THE heartland pod. Alright! Let's get into the storieshttps://missouriindependent.com/briefs/attempt-to-kill-biden-student-debt-relief-plan-tied-to-income-fails-in-u-s-senate/Senate Republicans fail to kill President Joe Biden's income-based student debt relief planBY: ARIANA FIGUEROA - NOVEMBER 16, 2023 7:10 AM     WASHINGTON — Sen. Joe Manchin III of West Virginia was the sole Democrat who joined Republicans in backing the resolution, which was 2 votes short of passing.Following the vote, Senate Majority Leader Chuck Schumer said “There are millions of students, poor, working class … who will benefit from what the president has done. Republicans don't think twice about giving huge tax breaks to ultra-wealthy billionaires and large corporations, but when it comes to helping out working families with student debt relief, suddenly it's too much money, it will raise the deficit, we can't afford it. Give me a break.”The Department of Education unveiled the Saving on a Valuable Education, or SAVE, plan hours after the Supreme Court in June struck down the Biden administration's one-time student debt cancellation that would have forgiven up to $10,000 in federal student loan debt for anyone making less than $125,000 per year.Borrowers who received Pell Grants would have been eligible for an additional $10,000 in forgiveness of federal student loans.The new income-driven repayment plan calculates payments based on a borrower's income and family size and forgives balances after a set number of years. More than 5.5 million student loan borrowers have already enrolled in the SAVE plan, according to data released by the Department of Education.Repayments on federal student loans restarted last month after a nearly three-year pause due to the coronavirus pandemic.With the SAVE plan, borrowers with undergraduate loans will pay 5% of their discretionary income, rather than the 10% required under previous income repayment plans. https://capitolnewsillinois.com/NEWS/illinois-lawmakers-approve-plan-to-allow-small-scale-nuclear-developmentIllinois lawmakers approve small-scale nuclear developmentThursday, November 9, 2023Governor, who vetoed previous bill, supports new effortBy ANDREW ADAMS Capitol News Illinoisaadams@capitolnewsillinois.comSPRINGFIELD – Lawmakers on Thursday approved a proposal that would allow companies to develop new nuclear power generation in Illinois for the first time since 1987. House Bill 2473 does not entirely lift the 36-year-old moratorium on nuclear construction, but rather creates a regulatory structure for the construction of small modular nuclear reactors, or SMRs. The bill limits the nameplate capacity of such reactors to 300 megawatts, about one-third the size of the smallest of the six existing nuclear power plants in Illinois. It also requires the state to perform a study that will inform rules for regulating SMRs, which will be adopted by regulators at the Illinois Emergency Management Agency by January 2026.  Proponents of the measure say it is a step to make the ongoing transition away from fossil fuels more reliable for customers throughout the state, while opponents warn the unproven technology comes with safety risks and the potential for cost overruns. The bill passed with bipartisan support in the Senate, 44-7, and the House, 98-8. The opposition came exclusively from Democrats. Gov. JB Pritzker said in a statement that he would sign the bill. He worked with lawmakers on the new bill after vetoing a broader measure this summer. Leadership of the Illinois AFL-CIO umbrella labor organization released a statement Thursday calling the policy “important for our state's economy and our clean energy future.” It echoed a release from the Illinois Manufacturers Association, an industry advocacy group that testified in support of the proposal several times, saying that it would allow the state to “continue leading in energy and manufacturing innovation.”The legislation's sponsors, Republican State Sen. Sue Rezin, and Democratic State Rep. Lance Yednock said the bill has the potential to bolster Illinois' electric reliability as intermittent sources like wind and solar begin to make up a larger portion of the state's energy output. Sen. Rezin said she is particularly interested in the potential for SMRs to be developed at the sites of former coal plants in Illinois, avoiding the need to build new transmission lines. Because permitting nuclear energy takes many years at the federal level, the earliest a nuclear project could be brought online in Illinois would be in the 2030s.  But critics of the bill and of nuclear power are worried.David Kraft, an outspoken critic of nuclear energy and head of the Chicago-based advocacy group Nuclear Energy Information Service, urged lawmakers at a Thursday committee meeting to reject the bill. Kraft said he was concerned about the lack of existing SMR installations and the unproven nature of the technology. While some nuclear reactors of this scale do exist in other countries, no commercial SMRs have ever been built in the United States. In a follow-up interview, Kraft said that SMRs bring with them security concerns, as the smaller installations have different staffing requirements than traditional reactors and use a more highly enriched type of uranium. This relative abundance of this uranium, according to Kraft, could incentivize the further proliferation of nuclear weapons. Sierra Club Illinois chapter director Jack Darin called nuclear energy “at best, a distraction.” Sierra Club was one of the main advocacy organizations that sought Pritzker's veto of the previous bill. Since 2016, five other state legislatures have either repealed or weakened their bans on nuclear construction. Counting Illinois, bans on nuclear construction remain on the books in 11 states. Several of the states that have lifted their bans in recent years have done so to pave the way for SMR technology. But the biggest player in that industry has seen several upsets in recent weeks. As lawmakers debated the bill on Wednesday, NuScale Power – the only company with a federally approved SMR design – announced that it was canceling its highly watched “Carbon Free Power Project” in Utah, which would have been the first commercial project with a NuScale reactor. The project's cancelation comes after months of falling stock prices and criticism from trading firms. Still, its leaders say the company will continue with its other projects, which are at various steps of regulation and planning. Bill sponsor Sen. Rezin noted that “there's a lot to learn” from NuScale's canceled project, but hopes Illinois' and other states' moves to reverse their construction bans will encourage nuclear energy development in the U.S. She said “If we do not build out this technology with companies that are in the United States, there's other companies and countries such as Russia that are looking to sell that technology. We don't want that.” Capitol News Illinois is a nonprofit, nonpartisan news service covering state government. It is distributed to hundreds of print and broadcast outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation, along with major contributions from the Illinois Broadcasters Foundation and Southern Illinois Editorial Association.https://ohiocapitaljournal.com/2023/11/16/ohio-senate-gop-floats-idea-of-15-week-abortion-ban-despite-voters-saying-no/Ohio Senate GOP floats 15-week abortion ban despite voters saying noBY: MORGAN TRAU - NOVEMBER 16, 2023 5:00 AMThe Ohio Senate president has floated the idea of a 15-week abortion ban following voters decisively choosing to keep lawmakers out of their reproductive care.The debate over Issue 1 continues at the Statehouse. Some fringe and alt-right Republican House representatives are infuriated with the voters who stood up to secure abortion rights in the state.Issue 1, the proposal to enshrine abortion access into the state constitution, passed 57-43% on election night. Despite this large victory, Statehouse Republicans have been mulling over ways to combat it.State Rep. Jennifer Gross (R-West Chester) is seemingly leading this fight with other far-right representatives Bill Dean (R-Xenia), Melanie Miller (R-Ashland) and Beth Lear (R-Galena). The quartet is described by other Ohio Republicans as being on the extreme end of their caucus due to anti-vaccine beliefs, peddling of conspiracy theories, and attacks on the LGBTQ+ community.Describing a potential 15-week abortion ban, GOP Senate President Matt Huffman said “clearly there is a majority of people in Ohio” who want the ban - however, that would of course be the opposite of what the voters just said a week ago. ere are no statistics to prove this, and based on the language of Issue 1, the voters chose not to have any restrictions before viability.Statehouse reporter Morgan Trau asked President Huffman “Would 15 weeks be going against the will of the people?” He said he didn't know.After the election where Ohioans stood up to demand abortion rights, the Senate President said this “wasn't the end” and there would be a “revolving door” of repeal efforts.  This article was originally published on News5Cleveland.com and is published in the Ohio Capital Journal under a content-sharing agreement. Unlike other OCJ articles, it is not available for free republication by other news outlets as it is owned by WEWS in Cleveland.https://ohiocapitaljournal.com/2023/11/16/sec-frank-larose-misses-deadline-for-u-s-senate-financial-disclosures/Ohio Secretary of State Frank LaRose misses extended reporting deadline in U.S. Senate race. He's the only one who didn't file. BY: NICK EVANS - NOVEMBER 16, 2023 4:55 AM     The three Republican candidates hoping to topple U.S. Sen. Sherrod Brown, D-OH, go before voters in a few months, and by now should've disclosed information about their personal finances. Two of them, state Sen. Matt Dolan and entrepreneur Bernie Moreno, have done so. But after filing an extension through Nov. 14, though, Ohio Secretary of State Frank LaRose still has not.In both the U.S. House and U.S. Senate, candidates and members have to regularly file disclosures that describe their financial positions, assets and liabilities. But the reports stick to broad strokes. Filers name their mutual funds, for instance, but the amount of their holdings are bracketed — $1,001-$15,000, $15,001-$50,000, etc.Current U.S. Senator Sherrod Brown reported about $27,000 in retirement income from his time as a state official. His U.S. Senate income doesn't need to be disclosed, nor do his U.S. Senate retirement accounts.Brown also reports serving as a trustee at Gallaudet University in Washington D.C. since 2008.Under U.S. Senate rules, candidates must file financial disclosure reports within 30 days of becoming a candidate. LaRose announced his candidacy July 17, and filed for a financial disclosure extension August 9. That extension gave him until November 14 to file his report.Despite that 90-day reprieve, LaRose still has yet to file. The Ohio Capital Journal reached out to his campaign to see if the report has been filed but not yet posted or if the campaign has requested a further extension. The campaign did not respond.Late filing carries a $200 penalty and failing to file or filing a false report carries a civil penalty of up to $50,000.LaRose's failure to file thus far is particularly notable given a $250,000 personal loan he made to his campaign in September. While his Republican opponents have loaned their campaigns significantly more money, LaRose's previous disclosures from his time as a state lawmaker don't suggest he'd have that much cash readily available.Chagrin Falls Republican Matt Dolan comes from a wealthy family that owns the Cleveland Guardians baseball team. In addition to serving in the legislature, Dolan has worked in the Geauga County prosecutor's office and as an Assistant Attorney General.The state senator's investment holdings are vast—including stocks from more than 250 companies, more than 50 mutual funds and bonds. He reports a Morgan Stanley money market account with more than $1 million alone as well as several mutual funds worth more than half a million dollars each.Dolan also reports a handful of retirement accounts, partial ownership of several LLCs and real estate. One residential building brought in more than $50,000 in rent.In addition to his income Dolan holds personal line of credit with Morgan Stanley worth at least $5 million. The interest rate for that credit line is just 5.96% according to Dolan's amended report — roughly 2.5 percentage points below the current prime rate.Dolan has loaned his campaign a total of $7 million.Next, there's Bernie MorenoIf anything, Moreno's disclosure is even more complex. The Westlake entrepreneur began his business career selling cars, and his report describes his role as director of 17 different automotive business entities, most of which are no longer operating. But from cars, Moreno has branched into several other lines of business including real estate and tech.Moreno's assets are held in a series of trusts, and the report includes several notes about partial ownership and recent sales. He owns 65% of Dryver, LLC, for instance, which the report values at between $5 million and $25 million. Moreno recently sold off his stake in a different company called Champ Titles, and reports making more than $5 million on the deal.He has investments worth at least half a million dollars in handful of Tel Aviv companies working technology, social media investing and healthcare AI. Moreno has also invested in Narya, the venture capital firm U.S. Sen. J.D. Vance, R-OH, started before running for office. Vance has endorsed Moreno's senate bid.Moreno also reports owning millions in residential and commercial real estate. He owns 43% of a home in Ocean Reef, FL worth at least $5 million. It appears the property is a rental because it generated more than $50,000 in income. Moreno also owns a 1% stake condos located in Washington, D.C., and New York City, as well as a $1 million unimproved parcel in Zapotal, Costa Rica, and at least $1.5MM sitting in two checking accounts.Moreno has loaned his campaign $3 million.https://kansasreflector.com/briefs/veterans-health-care-coverage-expanded-by-biden-administration/Biden Administratoin expands Veterans' health care coverage BY: JACOB FISCHLER - NOVEMBER 10, 2023 4:01 AM     Officials said the Department of Veterans Affairs will expand health care coverage for certain groups of veterans and their families, and create new programs meant to make care more accessible.The VA will make coverage of certain toxic burn pit-related conditions available sooner than anticipated. Family members of veterans who served at North Carolina's Marine Corps Base Camp Lejeune from between 1953 and 1987 will be eligible to have the costs of treating Parkinson's disease covered. And all living World War II veterans will be eligible for no-cost health care, including at nursing homes, the department said in a series of news releases.The administration will also create a new graduate medical education program to help expand health care availability for veterans in rural, tribal and other underserved communities. And the VA will spend $5 million on an advertising campaign aimed at having more veterans sign up for services.https://michiganadvance.com/2023/11/16/dan-kildee-dean-of-michigans-u-s-house-delegation-wont-run-for-reelection-in-2024/Dan Kildee, dean of Michigan's U.S. House delegation, won't run for reelection in 2024Retirement leaves open a key seat made more competitive with redistrictingBY: KEN COLEMAN - NOVEMBER 16, 2023 1:53 PM     Kildee, who is 65, said a cancer diagnosis this year caused him to reassess his career plans. Kildee's retirement from the 8th Congressional District including Genesee, Bay and Saginaw counties and portions of Midland County, leaves open a seat made more competitive during the last redistricting process. The nonpartisan Cook Political Report with Amy Walter has moved the seat from “leans Democratic” to a “tossup.”A number of candidates could line up to run in 2024 from both parties. Republican Martin Blank, a surgeon, has already declared. Other Republicans who could run are last year's nominee Paul Junge, former House Speaker Tom Leonard and state Rep. Bill G. Schuette (R-Midland).On the Democratic side, potential candidates could include former Senate Minority Leader Jim Ananich (D-Flint), Flint Mayor Sheldon Neely, state Sen. Kristen McDonald Rivet (D-Bay City), former state Rep. Pam Farris (D-Clio) and state Sen. John Cherry (D-Flint).In a 2020 interview with the Michigan Advance, Kildee recalled having only been in Congress for a few years when news of the Flint water crisis broke.“That was one of those moments where I knew why I was there. I knew exactly why I was in Congress. I had to go to bat for my hometown because they only had one member of Congress, and I had to persuade a whole bunch of people to help me out with Flint.”Kildee has served as a leader in the House Democratic caucus and has been a close ally of former House Speaker Nancy Pelosi (D-Calif.). He is the co-chair of the House Democratic Steering Committee. Pelosi told the Advance in 2020 that Kildee “has proudly carried on his family's long legacy of service, becoming a tremendous champion for the people of Flint and all Michiganders” as part of leadership.“As a powerful member of the Ways and Means Committee, his persistent, dissatisfied leadership has delivered critical resources to strengthen and develop his community and ensure that our budget remains a reflection of our nation's values. Congressman Kildee's bold vision and expert guidance as chief deputy whip has been invaluable to House Democrats as we work to advance progress that make a difference in the lives of hard-working families in Michigan and across the country.”Gov. Gretchen Whitmer said through a statement that “no one fights harder for his constituents than Dan Kildee.“Congressman Kildee knows the Bay region like the back of his Michigan mitten, and I am so grateful for our productive partnership,” Whitmer said. “I am grateful for our collaboration to bring progress to areas of Michigan that too many left behind. We brought good-paying, middle-class manufacturing jobs back to Flint, worked to lower the cost of prescription drugs with President Biden, and delivered on the issues that make a real difference in people's lives.”   U.S. Rep. Elissa Slotkin (D-Holly) called Kildee's retirement “a huge loss for Congress, for Michigan, and for me personally. The center of his work is and always has been his hometown of Flint, for which he has fiercely advocated especially in the darkest hour of the Flint water crisis,” Slotkin said. “While I'm thankful I have another year to work with him, and thrilled that he is moving on to his next chapter, this departure stings.”U.S. Rep. Debbie Dingell (D-Ann Arbor) said that Kildee “will be missed. His deep knowledge of many issues and his concern for others has made a difference in countless lives, and his years of service have benefited our country in many ways,”Advance Editor Susan J. Demas contributed to this story.We will definitely have more on the developing primary picture for this open seat in Michigan, as well as the new open seat in Virginia as Abby Spanberger runs for Governor, and everything else that happens as we are now just a couple of short months from the 2024 primary season.Well that's it for me. From Denver I'm Sean Diller. Stories featured in today's show appeared first in the Kansas Reflector, Michigan Advance, Ohio Capitol Journal, Missouri Independent and Capital News Illinois. Thanks for listening, see you next time. 

In this episode, Hersh Rai presents a remarkable story of how he diversified his investments and explored various real estate opportunities while being an active Navy officer. Throughout this interview, you'll learn the art of cultivating connections in expanding your portfolio, transitioning from one asset class to another, and making a partnership work in a complex investing world. Key Points & Relevant TopicsWhat attracted Hersh to invest in real estate while serving in the Navy?The importance of communication in owning a multi-unit rental propertyHow Hersh diversified his portfolio using VA loansWhat it's like investing in an asset class for the first time without experience?The power of real estate in understanding the financial world and building relationshipsResources & LinksApartment Syndication Due Diligence Checklist for Passive InvestorBiggerPocketsAbout Hersh RaiHersh Rai is a Principal at RaiVu. As a Principal, he oversees all business processes and handling of the firm with a focus on acquisitions and investor relations. As an active investor, he heavily invests in commercial multifamily assets, manufactured housing communities, and short-term rentals across the Midwest and Southeast. With any investment, he hopes to improve the quality of life for his residents, provide favorable returns for his investors, and continue to work alongside experienced professionals who share similar visions.Beyond real estate investing, Hersh is an active-duty naval officer who specializes in meteorology and oceanography. Currently, he is serving at the Joint Typhoon Warning Center based out of Pearl Harbor, HI. When he is not forecasting the weather or investing in real estate, you can find him free diving in the Pacific, hiking along a ridgeline, reading a business-related book, or beating his partner Nick in racquetball.  Hersh holds a dual B.S. in Computer Science and Information Technology from the United States Naval Academy. In addition, he holds a M.S. in Computer and Information Technology from Purdue University. Currently, RaiVu operates across 3 states with over 130 units in excess of $5MM.  Get in Touch with HershWebsite: RaiVuLinkedIn: Hersh RaiTo Connect With UsPlease visit our website www.bonavestcapital.com and click here to leave a rating and written review!

Four Seasons KangaRoof in metro Detroit has a remarkable story.  More than 10 years ago, founder Bill Burkhardt Sr. started the business with a desire to provide great service. He soon found himself struggling and $250K in debt. Bill Sr. joined CertainPath looking for guidance. Today, he runs the business with his sons Matt and Bill Jr, along with Brian Neaton, and their incredible team.  Sales have jumped from $2.5MM and losing money to more than $14MM at a great profit.  (And a small percentage of that revenue is insurance work, by the way!) In this interview, Bill Sr., Matt, and Bill Jr share all that's had to happen to transform and build a highly successful roofing company, including how they…·        Utilize the CertainPath residential sales model to work in their commercial business.·        Structured Bill Sr's exit strategy with Matt, Bill Jr, and Brian acquisition process.·        Virtually eliminated slowdowns thanks to maintenance agreements, outbound calling, and a comprehensive marketing strategy.·        Cultivated an incredible call center to maximize every opportunity.·        Approach repair versus replacement opportunities with their core values at heart.·        Recruit based on core values fit, rather than technical ability.·        Invest years of training into new employees to ensure they do an incredible job.·        Utilize a comprehensive performance management system to develop their people.·        Built an operational process for re-roofs that drastically reduces callbacks, reduces accounts receivables, and maximizes customer satisfaction.·        Improved their Gross Margin 7-10% over the last three years with a new strategic management approach.·        And so much more! Show NotesThe Successful Contractor Podcast is a part of the CertainPath family.  CertainPath builds successful home service businesses—and has for 25 years.  We do it by providing contractors with a proven path to success, professional coaching, software solutions, and a member community of 1,100+ strong. Doubling your sales, with a 20% net profit, and an inspiring company culture is ALL possible.  Let us show you the way.  With CertainPath, Success is Made Certain. Visit www.mycertainpath.com for more information. 

Let's talk about MULTIFAMILY FINANCING. Are you struggling with financing multifamily properties today? This episode may offer a sound solution to your problem, so tune in. It's been more than a year since I've had this super insightful talk with Jim Vozza, and I think that today's a great day to bring it back. Jim is the Senior Vice President at CBRE, and he specializes in the Fannie Mae Small Mortgage Loan Program and Freddie Mac Small Balance Loan Program. Jim and I delve into everything that you need to know about these programs. Jim and I chatted for over an hour, so I can assure you that this is a loaded, detailed conversation. If you're doing deals and in need of loans amounting to $1MM-$7.5MM, and you're not using these programs, I urge you to listen and take notes, because this might be where you're getting your next loans from. WHAT TO LISTEN FOR:3:40 - How Drew used this program to continually “recycle” a $3M equity investment and acquire $30M+ worth of property using that initial $3M over a 5 year period.23:52 - Fannie SML and Freddie Mac SBL program overviews 37:45 -  Property and loan size requirements41:14 - Approval requirements and processes 1:05:15 -  Fixed rate term, interest only, and prepayment penalty options1:27:38 - Origination fees and closing costs To connect with Jim, shoot him an email at jim.vozza@cbre.com or call him at 847-254-0698. --About The Breneman Blueprint:Real estate is the most proven way to build wealth. But learning how to invest in real estate is not easy. You need a blueprint from other successful investors. That is what this podcast is all about.In each episode, join Drew Breneman, a real estate investor who owns more than $200M in property, as he and his guests teach you what you actually need to know to be a successful investor. Whether you are a full-time active investor, a passive investor, close to retiring, just starting out, simply looking for an alternative to the stock market, this podcast is for you.His company, Breneman Capital, is a private real estate investment management firm specializing in the multifamily property sector. Breneman Capital employs a deliberate investment approach, leveraging data analytics and proprietary technology to generate superior risk-adjusted returns for investors.Breneman Capital has developed an investment strategy that aims to exploit market inefficiencies and reveal superior risk-adjusted opportunities through comprehensive use of technology and analytics.Get started today as an investor or learn more at:https://www.breneman.comWatch All Episodes On Youtube:https://www.youtube.com/@brenemanblueprint-- Social Media --Follow Drew on SocialLinkedIn:https://www.linkedin.com/in/drewbrenemanTwitter:https://twitter.com/drewbrenemanFacebook:https://www.facebook.com/drewbInstagram:https://www.instagram.com/drewbrenemanBreneman Blueprint on SocialFacebook:https://www.facebook.com/profile.php?id=100088350404003Instagram:https://www.instagram.com/brenemanblueprintTikTok:https://www.tiktok.com/@brenemanblueprintBreneman Capital on SocialLinkedIn:https://www.linkedin.com/company/brenemancapitalTwitter:https://www.twitter.com/brenemancapitalFacebook:https://www.facebook.com/profile.php?id=100084325985153Instagram:https://www.instagram.com/brenemancapitalReal Estate Investor Guidebook For Passive Investors:https://www.breneman.com/downloads

Watch the YouTube version of this episode HERE"You need to sell more customers. You need to make them worth more.” Today, Alex (@AlexHormozi) outlines strategies to enhance the value of a business, including cash flow, profitability, growth, and audit readiness, with a focus on reaching a 5 million EBITDA mark.Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast you'll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned on his path from $100M to $1B in net worth.Timestamps:(2:55) - The 3 Important Variables(4:28) - Leadership Team In Place Running Day To Day(15:27) - Marketing Without The Face Of The Founder(18:24) - Delivery Without The Face Of The Founder(22:43) - Multiple Reliable Acquisition Channels(31:54) - Reliable Recurring Revenue(40:37) - Diverse Customer Base(45:38) - Automated Metric Tracking(52:40) - High Cash, Profitable, Growing(59:56) - Audit Ready Financials(1:03:47) - 5MM+ in EBITDAFollow Alex Hormozi's Socials:LinkedIn | Instagram | Facebook | YouTube | Twitter | Acquisition