Podcasts about delray beach florida

I met Megan years ago in a group fitness class in Delray Beach Florida. After not seeing her for years, while walking through my neighborhood as she had recently moved in. We got to chatting and catching up and would pass each other randomly over the next several months. I started noticing her posting about a new local business and she happened to be the  founder/owner and operator. As someone that loves stories and the journey we reconnected and I got to visit the business, participate in the services provided and then we did a podcast about what led to it all.Having faced her own personal health struggles and the emotional, mental and physical challenges of a difficult divorce, Megan embarked on a transformative journey of self-healing. Along with Megan's personal story and being a single mom, her two children are what drives and inspires her. This journey not only reshaped her life but also redefined her understanding of beauty—one that goes beyond the surface to embrace the power of inner strength and self-love.At Lumina Rejuvenation, they offer a comprehensive range of advanced services, cutting-edge skincare and anti-aging therapies to wellness treatments designed to help you look and feel your best. If you are seeking to connect with Megan please dm her at @Meg_mcginley or reach out to her @luminarejuvenation or Call: (561) 961-0026 or Email: Admin@luminarejuvenation.com. We hope you enjoy the show!

I am excited to have Leo Tonkin joining us today. Leo is a passionate advocate for Halotherapy. He believes the respiratory system is the key to longevity and quality of life because those who cannot breathe properly cannot live well. Even though we take around 20,000 breaths daily, we often take our breath for granted. Unfortunately, our respiratory system degenerates as we age, and the air quality around us keeps deteriorating. So if we fail to care for our lungs, we can lose the ability to sleep, work, and live well, and that's where Halotherapy, or salt therapy, can help us. Benefits of Salt Therapy: Clears mucus and reduces inflammation in the airways It is antibacterial, anti-inflammatory, and anti-fungal Eases symptoms of asthma, bronchitis, COPD, and allergies Helps prevent and relieve colds, flu, and sinus infections Strengthens immune function, increases lung capacity, and improves breathing Promotes deep and restful sleep Safe for pets and people of all ages Leo Tonkin's Bio: Leo Tonkin has been a pioneer in many industries, and in 2012, he revolutionized the salt therapy industry with his innovative approach and tireless dedication to transforming the way people think about their skin, respiratory, and mental wellness.  With a deep understanding of the science behind salt therapy and its benefits, Leo started SALT Chamber, the world's leading salt therapy design, equipment, and decor company.  Over a decade ago, he created a global industry for providing a safe, drug-free, evidence-based modality that is ‘hacking' into our respiratory and skin systems to enhance performance and recovery while improving quality of life.  In 2014, Leo was the Founding Chairman of the Salt Therapy Association, which now has over 3600+ members in 62 countries.  Understanding that air quality and climate change are major contributors to our well-being, he launched the Respiratory Wellness Initiative for the Global Wellness Institute.  He has a passion for making a difference in every breath we take, especially since being a Stage 4 cancer survivor. He lives in Delray Beach Florida, with his wife Lori. He has 4 grandchildren. In this episode: How Halotherapy originated and what it involves Why salt particles are effective for overcoming respiratory issues How does salt therapy work? How the halo generator functions in salt rooms The benefits of salt therapy for pets How salt therapy can help respiratory conditions like COPD, asthma, and cystic fibrosis When should salt therapy be avoided? Why we must keep on moving our bodies Links and Resources: Use code GRAY15 on ⁠Airdoctorpro⁠ website for discounts ⁠Sinus Support Use code TURMRIC to get 10% off ⁠TURMERIC Relative Links for This Show:

Welcome to The Real Estate Finder Podcast by Matthew H. Maschler, Real Estate Broker.  Today in the Studio I am joined by Jill Glanzer and Preston Smith, of Signature Real Estate Finder.    Traditionally the Seller of a home pays the commission for both the real estate agent who lists the house and the agent who helped the buyer. Decoupling means that instead of the Seller paying both agents, the Seller only pays the Listing Agent.  Buyers have to negotiate and pay their own agent's fee.   Take for example a $500,000 home:   Scenario 1) the Listing Agent negotiates a traditional commission (say 6%) and from that amount pays the Buyer's Agent (also called the Selling Agent or the Showing Agent).  After the 6% commission is paid, The Seller nets $470,000.   Scenario 2)  If you decouple the commission and the Listing Agent only negotiates the listing fee, say 3%, the Buyer will ask in the offer that the Seller gives a 3% credit to the Buyer to pay the Buyer's agent.  The Seller still nets $470,000.   Scenario 3) If the Seller refuses to pay the Buyer's agent, the Buyer simply will offer 3% less for the home, and the Seller still nets $470,000.   In Addition, do you remember Episode 111 of this Podcast "Flying Home and Flying to Work?”  Well we have an update on that property and it is BACK and available for sale at a GREAT price.   Lastly, I know I said Preston was in the studio today?  Well he is producing the show and did not join the conversation  but his contribution needs to be mentioned, thanks Preston!     Want to know more?  Send us an email or ask to join us on The Real Estate Finder Podcast! RealEstateFinder.com And Check out our other Podcasts: RealEstateFinder.com/podcasts Shop podcast T-shirts:   prowrestlingtees.com/matthewmania Check out some of the best vendors and service providers in Florida: RealEstateFinder.com/PreferredVendors Subscribe to our newsletter or see past issues at: RealEstateFinder.com/Newsletter Brought to you by:    Matthew H. Maschler Real Estate Broker Signature Real Estate Finder, LLC (561) 208-3334 RealEstateFinder.com   Ask about joining the Signature team! Learn more about the Signature Real Estate Companies and why you should join South Florida's real estate industry leaders, Ranked #1 in Boca Raton, #25 in Florida and #336 in the Nation. SignatureRecruiter.com Offices in Boca Raton, Delray Beach, Coral Springs / Parkland, Ft Lauderdale, Miami, Naples, Palm Beach, Orlando and throughout Florida. And be sure to check out BocaRatonWrestling.com   Learn how to support our efforts to provide housing in Haiti frank-mckinney.com/caring-house-project This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the system manager. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the company. Finally, the recipient should check this email and any attachments for the presence of viruses. The company accepts no liability for any damage caused by any virus transmitted by this email. Quad Realty Investments, Inc. d/b/a The Signature Real Estate Companies 9080 Kimberly Blvd, Suite 12, Boca Raton, FL 33484 Email Abuse Reporting: it@quadcompanies.com

This week on Dopey! We are joined by inspirational content creator, fitness instructor, adult film star and ex plumber, Jesse Shwenker. Jesse drops a super hard core Dopey tale on us starting with his traumatic and violent Suffolk County upbringing with 1% motorcycle gangs, dealing pills and his time in the crips. Hear all about his insane journey down the coast to his current life and love in Del Ray Beach Florida. It gets super nuts! PLUS Dopey emails, Voicemails, my dad is back and much much more on a brand new fuck-o style episode of that good old Dopey show! More About Dopey: Dopey Podcast is the world's greatest podcast on drugs, addiction and dumb shit. Chris and I were two IV heroin addicts who loved to talk about all the coke we smoked, snorted and shot, all the pills we ate, smoked, all the weed we smoked and ate, all the booze we consumed and all the consequences we suffered. After making the show for 2 and a half years, Chris tragically relapsed and died from a fentanyl overdose. Dopey continued on, at first to mourn the horrible loss of Chris, but then to continue our mission - which was at its core, to keep addicts and alcoholics company. Whether to laugh at our time in rehab, or cry at the worst missteps we made, Dopey tells the truth about drugs, addiction and recovery. We continually mine the universe for stories rife with debauchery and highlight serious drug taking and alcoholism. We also examine different paths toward addiction recovery. We shine a light on harm reduction and medication assisted treatment. We talk with celebrities and nobodies and stockpile stories to be the greatest one stop shop podcast on all things drugs, addiction, recovery and comedy pathfinding the route to the heart of the opioid epidemic.  

When Rhonda Fritzshall and Nongae Johnson, the dedicated souls behind HERD Foundation, sat down with me, we didn't just chat about equine-assisted services for veterans - we ventured into the profound impact that horses can have on the human spirit. Rhonda's transition from her farm upbringing and mental health expertise to founding HERD Foundation with Nongae, a horse aficionado with a colorful equestrian background, is nothing short of inspiring. Together, they're crafting a space where veterans can discover belonging and connection in the presence of horses like Fig Newton, Stitch and Sammy, and where I too, as a veteran diagnosed with PTSD, went thru the HERD Foundation Freedom Patch programs and witnessed first hand the indescribable connections between man and horse.There's something miraculous that happens when a veteran and a horse lock eyes for the first time - a moment of unspoken understanding that HERD Foundation captures in their programs. Our discussion digs into the heart of this connection, unearthing the partnerships formed not just within the military community but also in the therapeutic embrace of Cinnamon and Miss America, the foundation's gentle giants. As veterans learn to communicate without words with these majestic creatures, they also learn to care for themselves, all under the attentive guidance of Rhonda and Nongae's carefully curated programs.If our conversation has stirred something within you, imagine what attending HERD Foundation's upcoming  Dining at the Farm Fundraiser might ignite. Picture an evening spent under the stars with the soft nickers of horses in the background, live music setting the tone, and the thrill of a silent auction—all in support of a cause that's redefining veteran support. Your participation in our VetsConnect community, from sharing this podcast to embarking on a journey with us, can help ensure that the soothing clip-clop of hooves continues to echo as a beacon of hope for those who have served. Go to Herdfoundation.org to buy tickets or to donate to this amazing program for our veterans.

Dr. Elan Schrier joins us on the Upper Cervical Marketing Podcast From Schrier Family Chiropractic in Delray Beach Florida. In this UCM Podcast, Dr. Bill Davis and Dr. Schrier discuss how he has been able to get 600 Google reviews for his upper cervical practice. We talk about the importance of consistency and focus in his practice. Stay on mission with us and get fired up…no complacency!

For decades, Dr. Janet Allenby had already been the go-to cosmetic dermatologist for facial aesthetics in South Florida. When she realized she wanted to help more people love not only their face at every age and stage, but also their body, she founded BodySquad, a destination for non-surgical body contouring.Always watching the future, Dr. Allenby keeps an eye on current research in aesthetics. She stays on top of the latest non-surgical treatments, but takes her time ensuring they can safely make a meaningful difference for her patients, even if that means trying them on herself.Dr. Allenby's patients love her for her honesty, as she makes it clear that she has their best interest at heart and genuinely wants to help them look their best.To learn more about Dr. Janet AllenbyFollow Dr. Allenby on InstagramLearn more about BodySquad Follow BodySquad on Instagram ABOUT MEET THE DOCTOR The purpose of the Meet the Doctor podcast is simple. We want you to get to know your doctor before meeting them in person because you're making a life changing decision and time is scarce. The more you can learn about who your doctor is before you meet them, the better that first meeting will be. When you head into an important appointment more informed and better educated, you are able to have a richer, more specific conversation about the procedures and treatments you're interested in. There's no substitute for an in-person appointment, but we hope this comes close.Meet The Doctor is a production of The Axis. Made with love in Austin, Texas.Are you a doctor or do you know a doctor who'd like to be on the Meet the Doctor podcast? Book a free 30 minute recording session at meetthedoctorpodcast.com.

Tune in as we chat with two more fighters that'll be knuckling up at BKFC 38 in Delray Beach Florida this Friday! First, we'll talk with the former middleweight champion, and #1 ranked middleweight, Francesco Ricchi. He'll be looking to bounce back in a big way when he takes on Erick Lozano in Delray Beach. Then we are joined by the title challenger from the upcoming BKFC 39 event in Norfolk Virginia, Jenny Savage! She's dialed in and ready to go. Tune in to here from Jenny before the historic event.

Bare Knuckle Fighting Championships is in Delray Beach Florida this Friday for BKFC 38. The main event will see the debut of Daniel Straus against former BKFC champion Dat Nguyen. Straus has been to the top of the mountain as a two-time Bellator Featherweight world champion, overcome a motorcycle accident that nearly took his ability to walk, and throughout it never lost his desire to fight. We get into the upcoming fight, what training camp has been like, and his outlook on this new endeavor. Follow on social media · Website. Cagedminds.com · Facebook: Caged Minds Combat Sports News · Twitter: @CagedMindsMMA · IG: @cagedminds_csn · YouTube: https://www.youtube.com/cagedmindsmmashow · Pick up the merchandise: https://www.nowprints.com/caged-minds · Pro Wrestling Podcast: Pro Wrestling After Hours · MMA Podcasts: MMA After Hours · Caged Minds Podcast on Appleor Spotify

Massive show full of BKFC 39 fighters! We're excited to talk to each one of these guys before they make the walk to the squared circle on March 17th in Delray Beach Florida. 1st - Tyler “Rookie” Randall, #2 BKFC Flyweight 2nd - Isaac “The Honeybadger” Doolittle, #3 BKFC Light Heavyweight 3rd - Rene “White Boy” Rodriguez, BKFC Welterweight 4th - Daniel Straus, 2 x Bellator Featherweight Champion If you're not already on the BKFC app, use the link below and get two months free! https://referral.bareknuckle.tv/mishnaccomplished Sponsors: BKBetShark instagram: @bkbetshark Condemned Labz www.condemnedlabz.com Promo code: mikeandmish What's Popping Corn Snacks Bareknuckle Corn Snacks www.whatspoppingcornsnacks.com Go to www.guerrillawarfareapparel.com Promo Code: MIKEANDMISH for 15% off! Check out The Mike & Mish collection through the link below https://www.guerrillawarfareapparel.com/col.../mike-and-mish Norcom Mortgage Helping Veterans Obtain The Dream Of Homeownership! http://www.michaelmish.norcommortgage.com

We kick off the show with Chaz “Bad News” Wasserman, who was involved in a bloody back and forth war this past weekend in London England at BKFC 37. Let's hear where his head's at after making his BKFC debut. Following the BKFC newcomer, we'll be joined by a former BKFC champion. Dat Nguyen is back, and he's headed to Delray Beach for a huge fight with former Bellator champ Daniel Straus. Can't wait to chat with Dat Be Dat! And we run a viewer through some BKFC trivia to win tickets to BKFC 38 in Delray Beach Florida! If you're not already on the BKFC app, use the link below and get two months free! https://referral.bareknuckle.tv/mishnaccomplished Sponsors: BKBetShark instagram: @bkbetshark Condemned Labz www.condemnedlabz.com Promo code: mikeandmish What's Popping Corn Snacks Bareknuckle Corn Snacks www.whatspoppingcornsnacks.com Go to www.guerrillawarfareapparel.com Promo Code: MIKEANDMISH for 15% off! Check out The Mike & Mish collection through the link below https://www.guerrillawarfareapparel.com/col.../mike-and-mish Norcom Mortgage Helping Veterans Obtain The Dream Of Homeownership! http://www.michaelmish.norcommortgage.com

Kindness Matters 365 Interview & Community  Wellness Fest InterviewLaura Waldorf Reiss & Julie Lohr ProutKindness Matters 365 is a 501(c)(3) non-profit foundation that delivers innovative programs to support the well-being of kids and teens. Grounded in the principles of Social Emotional Learning (SEL) and providing skill-building through experiential learning activities, KM365's unique approach teaches kids to discover how to care for themselves, each other, and our world through exploring self-awareness, self-navigation, empathy, a growth mindset, and a dedication to service-learning.Today I had the honor of interviewing Laura Waldorf Reiss & Julie Lohr Prout from Kindness Matters 365. Laura is the founder of Kindness Matters and Julie an amazing volunteer who is in charge of spearheading the Community Wellness Fest with Laura on February 26th, 2023 in Delray Beach Florida at Old School Square.Listen as we talk about all the work that this foundation is doing in our community and beyond for our kids, teens and adults. It truly shows you that with gratitude, compassion and kindness we can change the world. I know you are going to love this interview.COMMUNITY WELLNESS FESTFebruary 26, 2023Old School SquareDelray Beach,  Florida2/26/23Sunday | 9am - 2 PMFIND KINDNESS MATTERS 365 ON SOCIAL MEDIAWeb Site: KindnessMatters365.orgFacebook: KindnessMatters365Instagram: KindnessMatters365YouTube: KindnessMatters365

Dr Steve Thomas13 March 2022 - 11 AM ServiceIf you would like more information about First Baptist Church in Delray Beach Florida, please reach out to us at www.https://fbcdelray.com/ or at (561) 495-5000

I met Jesse years ago at a mutual friends gym in Delray Beach Florida. He flashed a smile, laughed and ran into class. We stayed in touch over the years and would always catch up on the golf course during the summer rounds. This past summer, I was fortunate to connect with Jesse more and get a little more of his backstory with his journey from youth tennis phenom to professional tennis stallion. He shared with me his dedication to the sport began at an early age  and as a 3 sport athlete in high school he stuck with tennis. He loves a good challenge and was always characterized as one of the hardest workers on and off the court forgoing his social life in high school and college to rise to the top level of tennis superstardom by beating the world number 1 in 2009. Due to some nagging sports related injuries he celebrated an amazing career and returned to south Florida to continue his passion for teaching and running tennis programs, commentating and traveling for world tennis events.Jesse and I spoke about the commitment It took as a professional athlete day in and day out which carried over into his personal life and how he operates today. Even though he is not playing professionally he carries the same attitude in working with his programs and those that love the game. He still likes to compete in celebrity tennis events, Pickleball and on the golf course. Please enjoy the show and check out what he's up to on instagram @jbow_87, on twitter @jesselevine7 and at the Boca Bridges Racquet club. Enjoy the show!

Today on the podcast I sync up with the incredibly talented contemporary mixed media fiber artist, Michelle Drummond. Currently, an Artist in Residence at Arts WAREHOUSE in Delray Beach Florida, you may have seen her work at the Muse Art Fair Miami 2019 during Art Basel Week or the Red Dot Art Fair Miami 2018 during Art Basel Week  and most recently her work is part of the Public Art Permanent Installation - The Metamorphosis, 2022, Mandel Public Library, West Palm Beach. Michelle's artwork is full of vibrant colors, whimsical style, and her unique signature three dimensional forms. Each piece carries an underlying message of optimism, strength and perseverance. It exudes the true expression of her quest for life and the influence of her rich Jamaican culture, her experiences living here in the United States and exploration of other cultures through her travels. Before venturing into art and entrepreneurism, Michelle played competitive field hockey and was a member of the Jamaica Women's Hockey Team where she represented Jamaica in various events internationally. Michelle was one of the first Jamaican national players to have been offered an academic scholarship to study at the St. Lawrence University and simultaneously represent the University through field hockey. Michelle and I sync up about where her passion for art and creativity began, the inspiration behind her work, growing up in Jamaica her love of field hockey, how she continues to play, and how it fuels her for success. CONNECT Michelle Drummond  on Instagram Marni On The Move Instagram, Facebook, TikTok, LinkedIn, or YouTube Marni Salup on Instagram, Spotify, Zwift, Strava, Peloton SUPPORT THE PODCAST Leave us a review on Apple. It's easy, scroll through the episode list on your podcast app, click on five stars, click on leave a review, and share what you love about the conversations you're listening to. Tell your friends to what you love on social. Screenshot or share directly from our stories the episode you're listening to, tag us and the guests, and use our new Marni on the Move Giphy! SUBSCRIBE TO OUR NEWSLETTER Sign up for our weekly newsletter, The Download for Marni on the Move updates, exclusive offers, invites to events, and exciting news! PARTNER OFFERS Take control of your health and wellness journey with InsideTracker, the ultra-personalized nutrition platform that analyzes your blood, DNA, and lifestyle to help you optimize your body from the inside out. Transform your body's data into meaningful insights and a customized action plan of the science-backed nutrition recommendations you need to optimize your health!  Get 25% percent off today at InsideTracker    

Newlyweds Isabella Hellman and Lewis Bennett would board a sailboat for a honeymoon some could only dream of spring 2017. Little did Isabella know the man she had recently exchanged vows with had much more planned than just a romantic getaway. 

Today's episode is about all things prayer! Yes, prayer - talking to and with God. I'm really excited about this episode, because (1) I love being reminded about the invitation that has been extended to all of us to commune with the creator of the heavens and earth and (2) Tim Jean went in with the dropping of the nuggets. Tim is our guest on today's episode and really drives home what prayer is, how do we do it and he delivers it in a way that even if you haven't talked to God in years - you can rest assured that you can start right now. Tim Jean was born and raised in Delray Beach Florida to two Haitian parents. His Father got into Ministry while he was in middle school. Tim's background is in education and music, which he's been a part of for most of his life. He has one sister and contends that his faith journey has been quiet, crazy and beautiful!! --- Send in a voice message: https://podcasters.spotify.com/pod/show/jesusaffirmsme/message

The EJS project, founded by Emanuel “Dupree” Jackson, is a non profit organization dedicated to empowering youths of the community to reach their highest potential through strategic, and purposeful mentorship and leadership. The EJS project is based in Delray Beach Florida and prides themselves on always being “ ‘Bout that action” , encouraging everyone involved to truly tap in to support their efforts to change lives and futures! Keep up with our special guests: https://instagram.com/delray_dupree https://instagram.com/ejs_project The Palm Beach Podcast highlights people and businesses making a positive impact in our community -- is hosted by Jana Angel and recorded at Media Zone's podcast studio in Palm Beach County, Florida. Our show is sponsored by: Pumphouse Coffee Roasters https://pumphousecoffeeroasters.com/ https://www.instagram.com/pumphousecoffeeroasters/ Hopportunities - Self Serve Modern Beer Hall http://findyourhoppyplace.com/ https://www.instagram.com/hopportunitiesfl Lotus Travel Company - Retreats & Tours in Palm Beach https://lotustravelcompany.com/ https://www.instagram.com/lotustravelcompany/ Bishops Water Company https://www.bishopwater.com/ https://www.instagram.com/bishopswatercompany/ https://mediazonestudios.com https://thepalmbeachpodcast.com Music: Le Jazz Café - Flero: https://soundcloud.com/flero_officialRoads - LiQWYD: https://soundcloud.com/liqwydSocial: https://www.instagram.com/mediazone

When we hear about a Modernist house by an important architect being bought and destroyed, there's widespread outrage from preservationists. Why didn't these people try to save them?  Why didn't the buyers consult architectural historians?  The owners should be forced to do whatever it takes, and whatever it costs, to keep the houses intact, right?  It's a classic struggle between property rights and preservation ideals.  Turns out, though, that some of those dastardly owners actually followed the rules, got the approvals, met with the committees, consulted the historians, and still got criticized by the preservation community. Today we talk with Ross Johnston, owner of the Largent House in San Francisco, designed by Richard Neutra, and Mike and Nina Marco, owners of the Biggs House in Delray Beach Florida, designed by Paul Rudolph.  Later on, music with Susannah Clifford Blachly.

Terri Ferguson who as a young girl was told she was an adopted child, suffered from identity issues, divorce, and lack of self love. The now accomplished business owner, wife of 25 years and Mother reveals her self love journey and educates listeners on overcoming disappointment, hurt, unforgiveness, lack of self love to understanding that "you matter", "you are amazing in all your ways" and falling in love with Jesus over and over and again, is when you can and will experience real love and you will be positioned to start your "self love journey. Terri's Personal Mission: To smile every day. To laugh often. To always discover the beauty in all of God's creations. To not exchange hurt for hurt but to the best of my ability press forward carrying with me the lessons learned through the dance of relationships and engagement. To be true to myself. To work using my gifts and skills where there is demonstrated need. To be intentional in thoughts, words, and deeds. To do the best I can, with what I have, wherever I am, NOW. To be peaceful, reflective, and kind to myself and others. Terri Mayes Ferguson is a Licensed Clinical Social Worker and Certified Clinical Supervisor for Social Work Interns in the State of Florida. Her areas of specialization for children and adults include ADHD, Anxiety, Depression, Traumas, and Parenting. She completed her Master of Social Work Degree at Barry University in 1991. Prior to attending Barry, she completed her undergraduate studies at Grambling State University, home of the Fighting Tigers, in 1988. The last 25 years have been spent developing and exercising clinical and community organizing skills in Palm Beach County at an administrative level with a variety of organizations most recently, Community Partners as the Director of BRIDGES at Riviera Beach where she served for 9 years. She received direct experience working with homeless families and the systems that support them as Director of BRIDGES. This experience provided insight into gaps within the existing systems of support for homeless families and fueled the drive to develop a community-based effort to address their needs. As a result, she founded Riviera Beach Cares Coalition for Homeless Families, Inc. a 501(c) 3 corporation with the mission of sheltering homeless families residing in Riviera Beach within 12 -24 hours of their homeless crisis. She is also current CEO of Solution Savvy providing therapy, Coaching Parents with children diagnosed with ADHD and providing training to educators and professionals on managing stress, relationships and avoiding burn-out. Mrs. Ferguson is a wife of 24 years and mother to three beautiful children, Kenidi, Jasmine and Gavin. She is a gifted and seasoned facilitator, trainer, and presenter, an active member at Christ Fellowship Church where she serves as a facilitator for the FREEDOM program, The National Coalition of 100 Black Women, Inc. where she holds Chairmanship of the Economic Empowerment Committee, Toastmasters- PSL Speakers, Alpha Kappa Alpha Sorority Inc., Recipient of the Delta Sigma Theta Woman of Excellence Award, Graduate of Palm Beach County's Non-Profits First, Rising Leaders Program, and a stage actor with ChiChiMa Production Company in Delray Beach Florida. Connect With Terri Facebook: Terri Mayes Ferguson, Facebook: MentalHealthMic@SolutionSavvyllc LinkedIn: Terri Ferguson, LCSW

I met Brittany several years ago when I was in need of a special surgery for my teeth. I was referred to Spodak Dental in Delray Beach Florida. The Spodak dental compound houses some amazing people with a crazy attention to detail, customer care and overall awesomeness. My new hygienist was Britany and she took care of anything and everything upon my arrival there to assist in creating a customer for life. Over the years I watched her grow her position at Spodak and take on new endeavors that fire her up. She has created her own podcast, collaborated with several dentists across the United States and pursuing what she loves to do.I thought it would be great to sit down and for the first time ever do a double podcast on her podcast Bulletproof Hygiene and Wake Up the Sun. Learning about her routine, her dreams and what motivates her to keep going has been an inspiration in itself. Please go check out all that she is doing on her podcast Bulletproof Hygiene, follow her on instagram @brittanyhygenius and if you are in need of a change of dentist and looking for exceptional service and professionalism please book an appointment with one of the best. Enjoy the show!

The entrepreneurial spirit is amazing when let loose to achieve and grow in the passion of doing what you love. Montana Globerman of the Montana Method has changed the game and transformed many lives of women in the South Florida area. Her dedication to fitness, dance, movement and overall enthusiastic energy is contagious and it all started in her very own garage in Delray Beach Florida. She transformed her garage into a small fitness studio catering to mainly women and created a cult following over the last couple of years. During the time of an ever changing world, she took on the pandemic by opening her very own studio and transformed her program into live streaming, in person, energetic means of connecting with people all over the country.I met Montana and her husband years ago at a mutual friends birthday and thanks to fitness, health and wellness we have stayed in touch. There is nothing more special than watching someone build out their dream and what they love to do in the world. We sat down in her studio in between classes and spoke about what fuels her to keep going. She provides safe and effective workout classes for the downtown Delray area and beyond. Please check out her site at www.themontanamethod.com, go online on MINDBODY and book a class to ensure a great workout. Enjoy the show and have a most triumphant day!

This week on Dopey! Dave is joined by old friend, comrade in recovery, and celebrated Director of Photography, Bobby Altman. Dave and Bobby reminisce on their time together in recovery mecca, Delray Beach Florida. We hear the pressures that Bobby faced growing up the son of legendary filmmaker, Robert Altman, and how that fueled his addiction and recovery. Bobby also shares his experiences around relapse, and codependency in an all around nice rehab style reunion. We also discuss halfway house pornography, hear a killer voicemail, and check in on the wild world of Dopey Reddit! All that and a little bit more on a low flying, crack smoking, house master blowing, Nashville shooting, 4th step continuing homespun new episode of Dopey.

Support the Podkitchen on Patreon! www.patreon.com/braisedbits 00:00- 00:27- Jesse reads an ad for Rainbow Bice cookies. 00:27-3:55 - The chefs dip into the podkitchen and discuss NBA opening night and the Jenny Slate of games coming up on Christmas. 3:55- 6:45- The chefs talk about their off menu Patreon episode where they traveled down to Del Ray Beach Florida to eat at 3 G’s Gourmet Deli. 6:45- 10:00 - Lance reminisces about a golf camp that he went to growing up in his hometown and the importance of distance over one direction when putting. 10:00-12:25-The chefs talk about unexpected Rain wilson. Lance remembers a thyme when it unexpectedly rained when Kate visited his familys winnie the pool for the first time and he had to improvise an activity.  12:25-14:08- The chefs implore any musical minded braiserbacks to record an original braised bits closing song.    14:08- 25:50 - Jesses highlight of the week was his favorite local restaurant being saved by the Barstool Elmer Fund. Lances highlight had him going on a long Christopher Walken and miraculously finding somewhere to Pee Wee Herman. 25:50- 1:13:30- The chefs Joe List their top nine simple pleasures in life. 1:13:30-1:20:59 - Kate and Phil Jackson predict the chefs top nine list. 1:20:59- 1:22:27 - Lance reads an ad for Chair Space. 1:22:27- 1:28:48 - The chefs answer a wedding themed question from pod nemesis Eric Seidel. 1:28:48- 1:40:00- Jesses is that a QAB is a new guy at his local market making assumptions about his lunch order. Lances is that a QAB is a rollercoaster ride of emotions as he goes to get his covid test and has to deal with a wild character. 1:40:00- The chefs bring in the closer and plug the pod.  

Rich Wistocki is our guest. As a retired Police Detective, he has many years of experience investigating and protecting children from internet predators. While he still works as a consultant to keep children safe online, his own recovery from police related trauma has motivated him to spend much of his time to saving the lives of law enforcement, firefighters, military veterans and other first responders from the often devastating physical and mental health effects caused by trauma. You can help by telling others about this episode of the podcast.  See omnystudio.com/listener for privacy information.

Since so many people are now addicted to opioids and alcohol, Drug Rehab in Delray Beach Florida is an option that many people have considered in order to get clean. There are many available treatments for both drug and alcohol addictions that offer different types of programs. There are some options that can be found that might be right for you.Drug and alcohol rehab centers often receive federal funding and that helps to keep their costs down. Many people also find that being a member of a drug and alcohol support group helps to put them on the path to recovery.It is important to choose a drug and alcohol addiction treatment center that are willing to accept both men and women. A single gender center may only accept male patients as most often, the majority of people seeking drug and alcohol rehab are male. It is also important to consider that for those who abuse the opioids, the center might not be able to offer the same services to women as to men.Those who are looking for a drug and alcohol addiction treatment center should choose one that accepts all ages, both genders and those who are addicted to opioids and alcohol. Treatment should always begin with a detox program. Those who abuse the drugs will need to enter into a detox program in order to get their bodies back under control.Surrounding Areas to Delray Drug Rehab Treatment:https://goo.gl/maps/6Fv9849dY6EYT9RA6https://goo.gl/maps/TEUwjH6nUTyzxjCx7https://goo.gl/maps/qSEtBVNhLa9mVPfY7https://t.co/Ufq2dDK5gu?amp=1https://t.co/GQcDaMjfYw?amp=1https://t.co/k2lKdbbaGQ?amp=1Those who are looking for a drug and alcohol addiction treatment center should choose one that accepts all ages, both genders and those who are addicted to opioids and alcohol. Treatment should always begin with a detox program. Those who abuse the drugs will need to enter into a detox program in order to get their bodies back under control.More Information:https://www.buzzsprout.com/1029595/4322561-drug-rehab-delray-addiction-in-south-florida-transformations-treatment-centerhttps://transformationstreatment1.blogspot.com/2020/06/drug-rehab-delray-transformations.htmlOne of the best places to start is with yourself. You will have the best chance of success when you are dedicated to taking the steps necessary to address your addiction. Once you are ready, you can look for support at one of the many rehab facilities available.Original Source: https://www.transformationstreatment.center/delray-beach-fl/Transformations Treatment Center Delray Beach14000 S Military Trail, Delray Beach, FL 33484FV9H+MC Delray BeachFloridaDrug Rehab DelrayFind Transformations Treatment on Google MapsSupport the show (https://www.google.com/maps?cid=9720609399900639450)

J Randall Medina is super talented and almost famous. J Rand got wings from Publix in Delray Beach Florida and we connected over FaceTime. He shared the coolest insights from being in movies like Spring Breakers to being in a boy band in Germany, to AGT! We talk about what's next for this triple threat musical comedian and wether or not Burger King predicted the pandemic. Catch J Rand weekly on his IG Live talk show: Surviving Corona. @jrandofficial @survivingcoronatalkshow

When most students come into our classrooms, they bring with them an unhealthy attitude toward grading, which has often been instilled in them by parents and past teachers. It is an attitude based on the flawed assumption that grades are supposed to function as "carrots and sticks" In this episode, Dr. Colin Roche shares how he tries to explain grading to his students in order to ensure that they understand the process a little better and acquire a more accurate conception of grading so that it enhances, rather than impedes their learning. This episode is part of series where we take a long, hard, honest and uncensored look at the way we grade students in our schools today, including how we report their learning progress. A few of the many resources that influence our approach are the books, "On Your Mark" by Thomas Guskey, "A Repair Kit For Grading" by Ken O'Connor, and "Learner-Centered Assessment on College Campuses" by Mary Huba and Jann Freed. Hosted by Dr. Professor Chef Colin Roche, the show is available for free in any app that supports podcasts (iTunes, Spotify, etc.) or through this link: www.chefeducator.com If you find the show to be of interest, please be sure to subscribe and to share with all of your podcasting friends and teachers! We appreciate the support! SOCIAL MEDIA Email: DrProfessorChef@gmail.com Website: http://chefroche.com/ Facebook: https://www.facebook.com/DrProfessorChef Instagram: https://www.instagram.com/drprofessorchef/ YouTube: https://www.youtube.com/user/DrChefColin Twitter: https://twitter.com/ChefRocheThe Colony Hotel in Delray Beach Florida & Kennebunkport Mainewww.thecolonyhotel.comKendall Hunt Publishing - "Culinary Educators' Teaching Tools and Tips" book https://he.kendallhunt.com/product/culinary-educators-teaching-tools-and-tipsSupport the show (https://www.patreon.com/user?u=31815102)

Finding the right addiction treatment facility is incredibly important as it is the first step in the recovery process. Transformations Treatment Center has some questions you can ask your potential rehab to make sure you find the right Delray Beach Substance Abuse Treatment near you.For those looking for addiction treatment near Delray Beach Florida, just click our link to go to our specific location page.If you'd like to see our reviews and find us on the map you can click our rehab google listing as well.You can find directions for the treatment facility below:14000 S Military Trail, Delray Beach, FL 33484(877) 408-3222If you'd like to read about the accreditation we mention in the episode, we've also included the link.https://www.samhsa.gov/find-help/national-helplineSupport the show (https://www.google.com/maps?cid=9720609399900639450)

In this episode, Dr. Colin Roche kicks off a series of episodes on the subject of Grading, Assessment, and Evaluations where he takes a long, hard, honest and uncensored look at the way we grade students in our schools today and report their learning progress. Most aspects of grading and reporting have been around forever and reflect traditions that have been a part of our education system since the early 1900's. Though these traditions are entrenched in our education culture and part of everyone's school experience, it doesn't mean that they work, are accurate, or are in the best interest for our students. In this first episode of the series, Dr. Roche defines and discusses formative and summative assessment, and why teachers first need to understand their uses before designing their assessment instruments. He goes on to describe why effective grades need to be accurate, meaningful, consistent and support learning, while reviewing the three underpinning issues of fairness, motivation and objectivity & professional judgement. A few of the many resources that influence our approach are the books, "On Your Mark" by Thomas Guskey, "A Repair Kit For Grading" by Ken O'Connor, and "Learner-Centered Assessment on College Campuses" by Mary Huba and Jann Freed. Hosted by Dr. Professor Chef Colin Roche, the show is available for free in any app that supports podcasts (iTunes, Spotify, etc.) or through this link: www.chefeducator.com If you find the show to be of interest, please be sure to subscribe and to share with all of your podcasting friends and teachers! We appreciate the support! SOCIAL MEDIA Email: DrProfessorChef@gmail.com Website: http://chefroche.com/ Facebook: https://www.facebook.com/DrProfessorChef Instagram: https://www.instagram.com/drprofessorchef/ YouTube: https://www.youtube.com/user/DrChefColin Twitter: https://twitter.com/ChefRocheThe Colony Hotel in Delray Beach Florida & Kennebunkport Mainewww.thecolonyhotel.comKendall Hunt Publishing - "Culinary Educators' Teaching Tools and Tips" book https://he.kendallhunt.com/product/culinary-educators-teaching-tools-and-tipsSupport the show (https://www.patreon.com/user?u=31815102)

Meet Ricky, a local from Delray Beach Florida, musician, drummer, and podcast editor! On a whim Ricky wanted to put something special to support local musicians and in just a few weeks time he created an amazing community and a venue for musician and music lovers to meet. Enjoy this interview and join us this week and all week long to hear live music, and now also enjoy yoga, exercise and art classes. You can learn about this community of Facebook at: https://www.facebook.com/SocialDistanceFest/Watch for a future live event with Ricky once we are allowed to start our lives again! This weekend's lineup:This weekends festival line is here!Saturday will be business as usual and Sunday will be an entire day to dedicated to helping one of the last true independent venues in south Florida Propaganda Lake Worth!All of the money raised on Sunday will go to help prop re open after this lock down is over!#PlayForProp #Independentvenuelove - Ricky...See More

Kelly Collins is a holistic cancer coach with Beat Cancer, and she is the founder of My Vibe Life. She has a BA in Economics and Political Science from The University of Arizona, and an MBA in Business Administration from Pepperdine University. Through her 25 years in corporate America, Kelly found herself an exhausted road warrior with numerous health challenges. After growing frustrated with the medical community telling her she was fine when she knew she wasn't, she decided to try naturopathic medicine and acupuncture. Through these things, and after eliminating all inflammatory items from her diet, Kelly not only got her health back, she was vibrant once again. She furthered her education through the Institute of Integrative Nutrition and helped her father on his journey with Non-Hodgkin's CNS lymphoma. Today she is empowering cancer patients, survivors, and caregivers to take control of their healing path by educating them about wellness and recovery through lifestyle change that is centered on specific nutrition, supplementation, and certain alternative therapies and modalities. Kelly also believes on focusing on people as a whole – body, mind, and spirit. Listen to this podcast to learn about how you can live a vibrant life with a cancer diagnosis. 2:51 Kelly tells her story and how she went to a Naturopathic doctor and found out she had low vitamin D, low vitamin B 12, mercury toxicity, hypothyroidism, severe adrenal fatigue, and GI distress. 4:37 Kelly talks about removing wheat, soy, dairy, sugar, alcohol and coffee from her diet to decrease inflammation and increase brain function. 5:32 A few months prior to her dad being diagnosed with non-Hodgkin's CNS lymphoma, Kelly enrolled in the Institute of Integrative Nutrition. 6:01 Kelly learned about alkalinity and how important it was to cancer patients who are acidic. 7:30 Her father got relief for neuropathy from acupuncture. 8:13 Kelly talks about her father's heart issues stemming from chemotherapy and the return of his brain cancer. 10:02 Kelly talks about the importance of taking care of yourself when you are a caregiver. 10:56 Kelly is enthusiastic about the Bemer and how it improves oxygenation. 12:48 Kelly got certified as a holistic cancer coach and launched her website, My Vibe Life in honor of her dad in November 2019. 13:52 She agrees with Susan Silberstein that we don't need more research, we need more education. 14:58 Kelly talks about the importance of people with cancer having a choice and trusting their intuition. 16:51 Kelly states, “It's never one thing that gets us sick so it's not one thing that gets us well”. Kelly Collins Delray Beach, Fl 310-721-7515 kelly@myvibelife.com www.myvibelife.com Complementary gift- Kelly is offering a complementary 60 minute consultation and two complementary Bemer sessions for locals to Delray Beach Florida.

Obelle and GV hosts the first guest on Point Of You, Hans Felix, where they explore the different aspects of influence. Hans Felix is a 27-year-old Entrepreneur, having backgrounds In Health and Fitness, having obtained a Bachelor’s at Washington Adventist University. He currently lives in Maryland. He was raised in Delray Beach Florida, though Born in Haiti and also attended Diquini Adventist University. He is the owner of The Forex trading Markets Apprentice Academy and enjoys teaching his community wherever he goes for the Glory of God. Interested in Forex Trading? Send Hans a DM on instagram (https://www.instagram.com/papi__suave/) This episode is also available on https://youtu.be/eH0w2tES4cU (https://youtu.be/eH0w2tES4cU) Support this podcast

There were 22 interviews on this show and we get a full understanding as to how important this institution is here in Delray Beach Florida. The Arts Garage introduces all of those responsible that make every even possible. Join us every Mon-Friday noon to 2pm

It’s starting to get cold outside but it’s still warm in this special episode podcast. This week, we have Chief Victor Williams of the Gallatin Fire Department. A native of Delray Beach Florida, Chief Williams has been the fire department for only four years! Get to know him more as he, together with host John Haggard, discusses the following topics: How He Ended up from Delray Beach to the Gallatin Fire Department?What Chief Victor Does on His Time-OffHis 27-Year Service as a FirefighterLife Before FirefightingTips to Prevent Fire During WinterHaving a Fire Extinguisher at HomeWhat’s up and Coming for the Gallatin Fire DepartmentSpecial School Programs for Future FirefightersAnnual Events at the Gallatin Fire DepartmentFire Chief’s Biggest Challenges Today Transcript John Haggard 0:02 Welcome to the Miracle Ford Special Edition podcast where we also interview community leaders on topics of interest to the Gallatin and Sumner County area. Today we’re honored to have Chief Victor Williams of the Gallatin Fire Department on the podcast. Chief, welcome to the podcast. Chief Victor Williams 0:18 Thank you so much, John. I count it an honor to be here and I look forward to our conversation. John Haggard 0:24 Well, me too, and glad you are here because we’ve got some good questions for you. And before we dive in, though, as to what’s going on in at the Gallatin Fire Department today for people who may be new to the area or new to the podcast, tell us a little bit about you or did you actually grow up in Gallatin? Chief Victor Williams 0:42 No, I didn’t, John. Actually, I grew up in South Florida, and I am a recent transplant here in the Tennessee area and in Gallatin more specifically. I grew up in a little city called Delray Beach and, just for reference purposes, Delray Beach is a long I-95 corridor on the eastern side of South Florida. And if you look at a map, Delray will be centered about 50 miles northeast of Miami, so most people know where Miami is. And about 20 miles northeast of Fort Lauderdale. So we sit just about 20 miles north of Fort Lauderdale and about 10 miles south of West Palm Beach. So that’s where I grew up. Lifelong resident, I spent 52 years of my life there before we relocated here to Gallatin. John Haggard 1:32 Now, what got you to Gallatin all the way from Florida? Chief Victor Williams 1:36 Well, I was working in the Delray Beach Fire-Rescue Department. I had been working there for 23 years and I was about a year and a half away from retirement. And being 52 years old, I believe that I was too young to really retire. I didn’t think my wife would want me sitting around, you know, around the house at 52. I think I would have driven her nuts. So I was looking for something to do because I felt that I still had a lot to offer to the fire service. And I just so happened to be searching and I came across a posting on indeed.com, in which the city of Gallatin was in a current national search for fire chief. So that was back in September of 2015. So I put in an application in September, and I received notice of an interview in December. So I came up to Gallatin with my wife, did the interview, we kind of stay for a few days, took a look around the community drove around trying to get familiar with it. A week later, I received a phone call from Miss Debbie Johnson, who is the Human Resources director and I was notified that I had been unanimously chosen to be the new fire chief for Gallatin. So, my wife and I then had a discussion to decide if we want it to take the offer, which we did. And so three months later, we were relocated here in Gallatin, which I started working for the Gallatin fire department on March 7, 2016. So that’s basically how I got from Florida here to Middle Tennessee and in the city of Gallatin. John Haggard 3:18 What a story and to hear you unanimous! I think there are people out there who are interviewing for positions or about ready to, how do you get a unanimous decision? You can’t get everybody to agree on anything these days. Chief Victor Williams 3:32 I agree with you. 100% When I received the news, unanimous eight to zero vote to offer me the job. So you know, I took that to heart. And for me, that just, again, followed up and let me know that God’s plan was still moving forward in my life. And all I did then was just was resolved that I was left with the very best job I could to make sure that the council members understood that I was going to live up to their faith and their belief in me. And so that’s been my driving force since I’ve been here. But you’re right. It’s hard to get eight people to agree on anything but to unanimously select the fire chief, I think that was an achievement. John Haggard 4:14 Absolutely. And you know, before we dive into the Gallatin fire department, Chief, I just wonder what do you like to do on your time off? Chief Victor Williams 4:22 Well, that’s, I really like to relax, you know? Because I’m in a very high-octane type of environment all week long. It’s constant. It’s a moving target. It’s so much that I’m involved in throughout the week just leading managing and overseeing this 98-member department. So in my spare time, when I have spare time, I really just like to sit down and relax and take it easy. I like to read I’ll read some journals or some fire service-type articles or I read some religious-type material. And then the other thing I like to do is I just like to sit and cuddle on the blanket with my wife and we watch movies. Now, my wife is a movie connoisseur. She loves movies, and she would watch just about anything. This is great for me, because, you know that way we have that time that we can spend together and we watch everything that you can think of from action movies to dramas, to suspense, but we have that time where we just sit together and reconnect. And that’s how I like to spend my time off when I have some downtime. John Haggard 5:33 Yeah, so you’ve been in the firefighting business, if I’m counting up all the years, I guess, at least 25 years. Chief Victor Williams 5:40 Yes, I’m in my 27th year in the fire service now. John Haggard 5:44 Yes, sir. So what were you doing before? Chief Victor Williams 5:47 After I received my honorable discharge from the United States Navy, I returned to Florida, and I wasn’t really sure what I wanted to do. I was thinking I wanted to do something in public safety. Because coming out of the military and being exposed to the military life and the regimen of it and wanting to give back and help, I knew I wanted to do something either in law enforcement or in firefighting. And what pushed me over the top was I had some experience with firefighting because, in the Navy, everybody learns shipboard firefighting. John Haggard 6:22 Yes, I would think so. Chief Victor Williams 6:23 That is a mandatory skillset that you have to learn. So I had some experience. And when I got back to Florida, I really sought to get into the fire service. Now the challenge for me was because it was so competitive at the time in Florida to get into a fire department. So I had to go out and get some additional training, some additional skill sets, but at the same time, I had to work a full-time job. So I floated different types of jobs that gave me the ability to be able to meet the training schedule that I need. So I’ve done everything that you can think of, from doing some construction work during the days, While I went to school at night to doing custodial work, cleaning floors, while I went to school during the day, I would do that at night. I drove for UPS dawn, a seasonal gig for three months over the Holidays. Yeah, I’ve done just about any and everything you can imagine to get to where I want it to be, which was to eventually end up in the fire service. So my background, as far as employment, it’s all over the place. You know, and I’ve done a bunch of different things. And I realized now that I have the best job in the world, and it was worth it all. All of the sacrifices, the crazy hours the crazy jobs I did, it was all worth getting into the fire service because like I said, I’ve been here 27 years now and I wouldn’t trade anything. I really believe it’s the best job in the world. John Haggard 7:53 You know, it’s been said chief that where you stand today, where I stand today, where anybody stands today. is the sum total of all the actions you have ever taken in life when you think about that. Wow, you could have gone here or there or, you know? Chief Victor Williams 8:08 And I agree with that. And I think all of those experiences no matter how minute they may have been and how short of a time I spent there, they all makeup, the person that I am today, and I have a wealth of knowledge and experience to go back to and fall back on even while I’m here in the fire service. You know, there’s things that I experienced in some other jobs that can actually relate to what we’re doing here in the fire service. So I agree with all of those experiences make up the sum of who I am today and I wouldn’t trade any of it. And I think if something is worth fighting for and it’s worth having, then it’s worth sacrificing and giving your all to achieve it. And that’s the way I looked at getting into the fire service. It was something I really wanted to do and so those jobs were, for me, were the stepping stones to get to where I am today. And 27 years later, I am still thrilled to be in the fire service and I’m excited about the opportunities I have here in Gallatin. John Haggard 9:08 Well let’s dive in speaking about fire. You know, in the wintertime, we see more stories on TV and the internet where homes have burned down someone’s left a wall heater too close to a drape or whatever. Generally speaking in terms of what you see, in the wintertime as reminders to someone what would be some of the tips you would say, look to prevent a fire in your home or in your apartment or even in your car, wherever you may be. Here are some things you want to keep in mind. Chief Victor Williams 9:41 Well, I think you touch the biggest one as it relates to wintertime here as our temperatures begin to fall. I think that many residents use space heaters to warm up their bedrooms in their living areas where they spend most of their time during that day. So my tip would make sure that you have a reasonable amount of distance between your space heater and your chair because most people when they sit in chairs, use blankets. And those blankets can transfer that heat from that space heater into the blanket and that could eventually, if left unattended, can cause a fire. So I think as we look at the winter that’s the biggest thing, is just be mindful of the space heater in that open space and, you know, ensure yourself that you’re not going to have an accidental fire started because you left a blanket or something else that combustible and flammable near an open space heater. And another thing, I think that this time of year we have to think about cooking fires because as we go into the holiday, this is probably when most of the cooking is done. You know when we start preparing for Thanksgiving and Christmas so the leading cause of residential fires, John, is unattended cooking. When people put things on the stove and start cooking and then realize I need to run out for a second, I’m only going to be gone two minutes or three minutes, I just need to run next door or whatever, it may leave the pots and pans on the stove. And when they come back, the house is on fire. So it’s important to understand that that is the number one cause of residential fire. So if you’re cooking and you need to run up, turn off the stove, remove that part of that pan from that burner, and then go and do what you have to do and then come back and finish your cooking. I think those are probably the two biggest tips that we have to be mindful of as we go into the winter and into the major holiday seasons on Thanksgiving and Christmas. John Haggard 11:44 Now I think this is an obvious answer that you would, you know, that you would say yes to. But a fire extinguisher, a small one, you know, you see them in stores recommended to have by, you know, by yourself. Chief Victor Williams 11:57 Yes, yes. Like you said there that’s an easy piece of fire equipment that you can have easily purchased at Lowe’s or Home Depot or maybe even Walmart. You can go and find a small residential fire extinguisher that you can have readily available in your kitchen. In case you have a mishap, and I would say that all homes should have at least one. John Haggard 12:22 Let’s say that you don’t have one. And all of a sudden, you know, maybe it’s a grease fire or I mean, if all of a sudden something flamed up out of control, and you said wow, this thing’s out of control. What would you grab? What would you do? Do you throw water on a fire mean? What would you do in a quick emergency if something like totally surprised you? Chief Victor Williams 12:45 As a professional firefighter, my answer is to evacuate. Call 911. You don’t throw water on a grease fire. Because we all know, water and oil don’t mix and if you throw water on a grease fire, it’s gonna splatter Now you’re going to have multiple fires burning in the kitchen in multiple locations. Yeah. So if you have a grease fire, if you have a big flare up and you don’t have an extinguisher where you can extinguish it, you know, my advice would be to evacuate, dial 911 and allow the Gallatin fire department to come and do what we do best. And let’s put the wet stuff on the red stuff and put it out for you. John Haggard 13:23 Yeah, yeah. Okay. So as you look out into the future, your crystal ball Chief, what special initiatives are out there as it relates to the Gallatin fire department? Anything that’s coming up in terms of maybe more engines, maybe higher technology, anything new to look forward to? Chief Victor Williams 13:41 No, I think the biggest thing that we have coming up that, actually, an initiative that we’ve already started that I think is going to be so promising for our community is the Fire Department has partnered with Gallatin High School, and with Vol State Community College. And together we’ve created a fire science management dual enrollment program. And the reason why this is so important is because in our community, as we’re recruiting and looking for future firefighters, our candidate pool hasn’t been as deep and as broad as we would like. And recognizing that we have many students who are probably not going to go off to a four-year college and going to be looking to enter into the workforce immediately, we’ve created this program to work with the college and the high school where this year we have 18 incoming juniors, who started this program. And the beauty of it is in two years when they graduate high school, they would have about half of the necessary college credit to receive an associate’s degree in fire science. But more importantly, they will be marketable because, throughout the two years in the program, they would have received the skills and the certification to graduate as a senior out of high school with a Firefighting One certification and an emergency medical – EMR, it’s not actually an EMT – is some emergency medical first responder certification, which now qualifies them to be employed by a fire department because they come with the resident training and certification. Chief Victor Williams 15:30 So it automatically will make these young people available to seek employment and find employment coming out of high school. Now, that’s a benefit for the Gallatin fire department because again, it puts these individuals in our recruitment pipeline that we know in a couple years, we’re going to have a multitude of high school graduates that’s going to be coming out and we’ll have the skillset to become firefighters for our local fire department. So we started with Gallatin High School. We already have requests from Station Camp to initiate a program there. Yeah. So we’re going to be looking to do that. So I think this program is going to be one of the greatest initiatives that we’ve put together here in this area. And I’m excited about that. And so we’ve been pushing it along with our training chief, Chief Scott Woodward. He’s the lead instructor, and he’s been the catalyst behind this program. And I’m telling you, I think it’s going to be beneficial. It’s going to give those students who knew that they probably wasn’t going to go to college. This is an option for them now, and we’re looking to expand it. So we’re going to have another incoming class in 2020, another set of juniors. So we will have a junior class and our senior class going at Gallatin High School. And we’re going to be looking at, starting with their junior class, at Station Camp high school as well. So we have both high schools involved in this program. And it’s just going to produce candidates for the fire departments in Gallatin and in Sumner County. And I think this program is going to be a wonderful addition to some of the things that we’re doing in the community as we move forward. John Haggard 17:24 Chief, it sounds like you’ve got it all tied up. I mean, you really do. It’s just a great program on the recruiting side. Because a lot of, whether it’s a commercial business, or fire, or lease, or whatever it is, that seems today, I don’t know why, but recruitment is just very difficult to find people who are committed, passionate and want to do the work. Chief Victor Williams 17:44 You’re absolutely right, John, and that’s been one of our greatest challenges as we’ve been moving forward as an organization because we’ve expanded our organization in the three years that I’ve been here. We’ve gone from a total number of 66 firefighters to 97 now. John Haggard 18:04 Wow, it looks like, yeah! Chief Victor Williams 18:05 We’ve grown because our community is growing. And we are growing to try to keep pace with that to provide, you know, the services that are required for us to keep our community safe. So we’ve grown and that’s been one of our challenges finding recruits to fill the positions. So this is a program that we believe is going to pay big dividends over the next several years as the students start to graduate out of that program. Now we’re going to have candidates who are certified who are prepared from day one, to go into Gallatin fire department, into an organization and begin to work immediately because they will have the necessary certification. So we’re excited about it. John Haggard 18:48 Where do you see, we’re over 2019 now, as you look out over the next, say, three to five years, how many firefighters are you going to need? Chief Victor Williams 18:58 I would say we’re looking at building Fire Station 6, and we’re already identifying an area where Fire Station 7 will most likely have to go. Because our city is growing over on the north side of the city, the northwestern part, that’s where these new developments are going in record pace. We just see the applications coming in and the approvals are going out. And we’re seeing the development. So I would say in the next five years, we will probably move from 97 employees to about 120. John Haggard 19:34 Yeah, gotcha. Gotcha. Is there any new technology chief that’s out there? You know, a lot of businesses, the are new ways to, say, fight fires or new types of products or whatever that can help firefighters. Anything in the fire department like that? Chief Victor Williams 19:48 No, not that I’m aware of, John. I mean, the old adage is still the old adage, the best way to put the fire out that we’ve been doing this for over 200 years is organized fires services is to get that wet stuff on the red stuff, and put the fire out. That hasn’t changed in 200 years. Getting water on the fire hasn’t changed. Now we’ve had some new technology as it relates to personal protective equipment RPPE, it’s come a long way over the last years because the fires that we’re dealing with are hotter because of the different type of materials that’s in there. And so for us, our personal protective equipment has advanced because it requires us to be up close and personal with these fires for longer periods of time in order to put them out. So we’ve seen some advancement on that side but as far as the firefighting side and putting fires out, is still pretty much remains constant. And that’s just getting the water on the fire to put it out. John Haggard 20:57 Any advice on lithium-ion batteries? Every once in a while you will hear about, even on an airplane, you know, a lithium-ion battery will explode or catch fire. Or is that just sort of a one-off very rare situation or anything that we should be concerned about? Chief Victor Williams 21:17 Well, I don’t think this is rare as it’s made out to be because we’ve had several instances of those batteries. Just, you know, self-combusting and starting fires on planes, in luggage, on buses, or what have you. And I don’t really have any information on that to really speak to that more professionally. But I would say that our residents should take heed and be careful with those and I know that the industry is trying to move away from those now. They are being replaced and, because of that risk of, you know, that self-combustion and starting fires that you know, they’ve been banned on planes and that kind of thing, and I know that industry is adjusting now to try to find a solution and replacing those type of batteries. But other than that, I really can’t speak to that. John Haggard 22:09 Gotcha. Gotcha. So, Chief anything, you’ve got so many things that are going on. Are there certain annual events that you do each year? Chief Victor Williams 22:18 Well, the one annual event that we do here in Gallatin is every September 11th, one of the things that we do is we have a memorial service here in front of City Hall where the Fire Department takes the lead role, and we honored the victims of 9/11. But more importantly, we celebrate the country’s resolve in our fight against terror. And we celebrate our stance that we will never forget and that we will fight all enemies whether they are foreign or domestic, to protect our way of life and our freedom. So every 9/11 September 11th, usually around 8:30 in the morning, nine o’clock in the morning, we meet and we have a beautiful memorial ceremony, where we use the bags and pipes and drums and we have a guest speaker who gives us a few minutes of reflection. And this past year it was beautiful. We had the children from the United Methodist Church. They came over and they sang a song and it was just, it was awesome. And we do this every year to commemorate 9/11 but to also ensure that we never forget what happened on that Tuesday morning 18 years ago. So we do that program that we like to encourage our community if they can to come out and be a part of and participate in. Because again, this helps us to never forget what happened on that day and at the same time it helps us to celebrate our country’s resolve to never yield to terrorism as well as it helps us to commemorate those who lost their lives, you know, on that day. So that’s the one program that we do, that annual event that we conduct every year, here in Gallatin. John Haggard 24:17 Yeah. Biggest challenge, Chief, that you face today, when you say in the Gallatin Fire Department? Chief Victor Williams 24:24 Now this one is a little tricky, John, because we have several, I think, pretty good-sized challenges. So to say the biggest, it’d be hard to separate from about three, two or three of them, I think, that are really major challenges facing the fire service, as well as the Gallatin Fire Department on a local level. We always think about our challenges, always budgetary, getting the resources that we need in order to provide a high level of service and then the culture that we live in with costs, shrinking budgets, and resources being reduced. It’s a challenge for fire department leaders to be able to maintain such a high level of services when the resources are being reduced. That’s on the local level. And that’s something that all fire departments, all police departments, probably all departments and Gallatin have to face. But when you start to become a little more broad in that thought process, there’s a couple of things, I think, that really was going to challenge us as a fire service for the next several years. And one of those is the increased threat to firefighter safety. And what I mean by that is simply this each year, we lose 80 to 100 firefighters in the line of duty, and it’s been that way. Since these numbers were started being recorded, we’re constantly losing firefighters in the line of duty and, for the life of us, no matter how hard we try, and the things we come up with, that number remains pretty high each year on average, it’s there. So that’s a challenge that we’re still facing today. And we’re trying to come up with initiatives and ways to reduce that number to zero because that’s what we want to see. But every year it remains high. Chief Victor Williams 26:27 A new challenge that I think is really insidious, that affects the fire service, as well as the military, as well as law enforcement, is the increase in firefighter suicides. Our heroes, they’re going out and they’re seeing things that many members of the general public never see. And not only are they’re seeing these things, but they are seeing them sometimes in a repetitive nature, multiple times through their careers. And what’s happening is that we’re losing more firefighters each year to suicide, then we’re losing firefighters being killed in the line of duty. And that is a challenge that the International Association of Fire Chiefs have taken on, the International Association of Firefighters have taken on and every other group that’s in the fire service has taken this on to come up with mental health policies and initiatives and for our members when they get to that point where they feel they can’t cope. And they’re just looking for a way out. And it’s tragic that we’re losing so many firefighters a year now to suicide. Chief Victor Williams 27:42 And then I think the final challenge is a challenge that I think is equally tough for us and that we’re losing so many firefighters now to cancer. Over the past several years. The research has shown now that firefighters have a higher incidence of contracting cancer. In some cases, two to five times to eight times more than members of the general public. And that’s been identified. And the research is showing that it’s because of when we’re in all of the gear, and in these fires and the chemical off-gassing. And when we come out of those things, we have the sun on us and our bodies are warm, our pores are open. And so all these chemicals are just being absorbed into our bodies and into our skin. So it gives us a higher incidence. So again, programs and initiatives have been put in place to try to combat that. But I think this is going to be a really big challenge for the fire service for years to come, on coming up with ways to combat those and provide greater levels of safety to our personnel to decrease the threats that we’re facing in suicide, through cancer, and through, you know, in the line of duty death. So these are, I think, some of the biggest challenges that we’re facing as a fire service. Now, we’ve been fortunate here in Gallatin, that we haven’t had a suicide. We’ve been fortunate here that we haven’t had a line of duty death. We’ve been fortunate here that, to my knowledge, we have not had a confirmed cancer case. Yeah. But this is prevalent, and it’s out there. One of the sister cities in Florida, a neighbor of Delray Beach just a week and a half ago, buried a firefighter who committed suicide. So it’s out there, it’s happening, and it’s touching fire organizations all around the country. And so we’re dedicated to working to find solutions to these challenges, and I believe that it’s going to be a tough battle, but in the end, I believe We’re going to find initiatives and programs that’s going to help alleviate suicides and reduce the number of cancer victims in the fire service. Yeah. John Haggard 30:12 Anything. I did not ask you, Chief that you would want people to know about the Gallatin Fire Department? Chief Victor Williams 30:20 No, you actually asked a lot of in-depth stuff and made me have to think quite a bit. So you did very well, John and I, again, I really appreciate the opportunity to share my thoughts and to give some perspective o,n you know, the programs and initiatives that we have here and available. If any of your listeners have any questions they can, please feel free to reach out to me at victor.williams@gallatintn.gov. That’s my email address. Reach out to me and I will you will hear from me and I will answer your questions. But again, I appreciate the time to be able to share today. John Haggard 31:00 Yeah, Chief. Hey, and just one other thing. Is there one thing about you that most people would not know what they would really be surprised to know about you, Chief? Chief Victor Williams 31:12 One thing about me? I am an avid singer. John Haggard 31:15 Really? Chief Victor Williams 31:16 Yes, really I am. I am an avid singer. I love singing I sing in church, I sing at home, I sing in the shower, I sing in my office, I sing in my car. I am an avid singer. I’m just so happy and full of life, that’s how the joy comes out of me. I just love music and I love singing. So most people wouldn’t know that unless they spend some time around me and they may hear me singing at the drop of a hat. You just never know when it’s going to happen. But yeah, I’m an avid singer. I’m a tenor, and I love singing. John Haggard 31:49 Well, there you have it, folks, Chief Victor Williams of the Gallatin Fire Department, our special edition guest today on the Miracle Ford podcast. Remember to join us again right here for another special edition of the podcast, in addition to our regular topics that we discuss on the best ways to purchase, lease, service and maintain, accessorize, and sell your vehicle for the highest resale value possible. There’s also a transcript of each podcast right here on the website. Be sure to subscribe as well. You can refer to that text information for anything you need to know. I’m your host, john haggard and we will see you next time.

It's not about how much you sell your business for, it's about how much you get to keep. A lot of sellers get to the point of selling and see an opportunity to cash out on all their hard work. Unfortunately, there are these entities called the state and federal government whose pockets get lined before the sellers get their bottom line. Shanyn Stewart is a tax specialist who works with sellers in the acquisition process. She goes as far as to claim she can actually structure a sale where the seller pays 0% taxes. The process and benefits of the different structures she offers can allow for more money in the seller's pocket. Tune in for a very useful episode for both buyers and sellers on how to prepare for a sale and legally keep the IRS from getting too big of a slice of the pie. Episode Highlights: The power of knowledge and ways that Shanyn claims she can reduce and potentially eliminate taxes for the seller. How capital gains tax really works. Understanding the basis of your business. What qualifies as basis in various types of businesses. The difference between basis and expenses and where to pay attention when it comes to capital gains tax. The importance of planning well before the LOI. Shanyn explains deferred payment structured sales using a third party. How to mitigate the capital gains in a transaction and reduce the net effect of the taxes over time. A case study of a transaction Shanyn has worked on and ways she increased the seller's profit. How the structures Shanyn proposes can serve as a safety net. Where charitable strategies and trusts fall into the spectrum of planning for sale and profit. Transcription: Joe: So Mark one of the conversations we have all the time; I think I probably had at least 3,000 of them is that it's not about how much you sell your business for, it's about how much you get to keep. And I understand you had Shanyn Steward on the line on the podcast and went through a lot of the different scenarios about the different types of transactions and which one might get more beneficial than sort of an all-cash deal to help sellers out in the process of keeping as much money as they can after the sale. Mark: Yeah. You know it's an interesting discussion because I think a lot of sellers get to the point where they've been putting their money into the business. They've been growing their business over many years and they look at that sale as their opportunity to finally cash out and take that money off the table and be rewarded for all their hard work and they should be. But there's this pesky little thing called the federal government and state government and they want to take their share. Joe: It's getting bigger all the time; it's not little at all. It's bigger [inaudible 00:02:11.5]. I'll stop. Mark: Well no, you're right. Look you go into this process; actually it's funny Joe, you and I were talking to Ryan about this yesterday and he was saying how he puts people through this exercise of here's what your net proceeds are from the sale and let's go run through some scenarios and it's eye-opening for a lot of sellers. Shanyn is a tax specialist and she specializes in acquisitions and saving sellers money on taxes. And she makes the claim that she can actually structure a sale where the seller is going to pay 0% taxes. Well, she and I went through a lot of different scenarios. I want you to listen to this and tell me how many times you heard my mind explode from just some of the things that she suggested in here. I think from a perspective of restructuring a sale she offers a lot of great tips and things that think about rather than saying I just want to get my cash and move on to ways that you can protect your investment, get more money off the table. Here's the tease, here's the hook and I then I'll get right into it. We used a case study in here on an 11.6 million dollars sale where she was able to increase the net proceeds by over 3 million dollars on the 11.6 million dollar sale net proceeds by over 3 million dollars, a 46% increase in the net proceeds on that. Remarkable stuff. Joe: Yeah. Look full disclosure to everybody listening here. I talked to Shanyn a year ago and gosh it just sounded amazing; so amazing it felt too good to be true. And then things fell off and we didn't get a chance to follow up. Mark had the opportunity to follow up and chat with her and get some of the real cold hard facts on the process and the benefit of different types of structures than just all cash. As a seller, everybody says I want all cash mostly because you don't know who your buyer is and you're not going to trust them until you get to know them. It's great to keep an open mind because ultimately what you want is to keep as much of your proceeds as possible. You'll have a great attorney working with you on that asset purchase agreement to make sure it's secure and safe in the event you take a non-all-cash deal. We'll refer a few out if needed but it's a great idea to listen to the entire podcast for both buyers and sellers. Buyers you're out there listening, you're learning, and you might be buying a business that's not going to be 8 million dollars like the example that Mark is talking about. You might buy something for a half a million or a quarter or just a million; just a million, I should stop that, or a million and… Mark: Just around a million dollars. Joe: Right. Mark: It's chump change for you. Joe: Brad sold one of his $40,000; everybody that is listening to this you saw the launch, it was a one to one multiple $40,000 which is exceedingly small for us these days. But he had 20; I talked to him this morning, he had 25 offers on it and over 500 inquiries. Not just the automated inquiries but directly to his inbox so it's a frenzy and I think it launched on Tuesday and today's Thursday that's already closed' that type of situation. But buyers you're buying these businesses no matter what size and you're growing them. You're taking it to another level that the person that's selling it could not because they reached their threshold for staff and management or their own level of incompetence as we often say you got to figure out what your own level of incompetence is and they decided to exit. You're stepping in because you've got a different either level of working capital to help grow that business and expand SKUs or buy more inventory or you're better at scaling from 20 million to 100 million or 1 million to 10 million whereas the seller is not. So this is great for both buyers and sellers is my point. And I'm excited to listen to it myself because my level of incompetence is all about what you're left with after the sale. So I'm going to learn a ton as well. So thank you for following up with her Mark and getting her in the podcast. Mark: Yeah I was just about to ask you what is your level of incompetence? Joe: We don't have time for that. Mark: But what's my level of incompetence? Joe: No don't mention that. I always talk to Megan about that. Mark: Alright let's get to this episode. She talks a lot about preparation. If there's one takeaway for people both on the buy-side and sell-side and we had Joseph Harwood on a few episodes ago talking about how he saved a ton of money on the sale of his business is be open to different structures even from a broker standpoint. I know you and I Joe like hey we actually like these cash deals because that are really simple but when we're looking at saving hundreds of thousands of dollars it's worth looking at some alternative structures. And it doesn't get too complex with the right preparation and that's a lot of what Shanyn suggests here is prepare before you sell. Joe: Gosh that sounds familiar. Please, everybody, plan your exit. Prepare before you sell. If I had a drum I'd be beating it right now. One last thing before we go to this amazing podcast with amazing information that you can learn. I don't like ruining people's weekends, months, years when I tell them, man, you're doing 10 million in revenue that's great and based upon the P&L you gave me it looks like you're probably worth about 6 million but everything is wrong so you have to go back to the drawing board and start over in terms of your financials. I don't like doing that and I did it recently so please prepare; plan. Don't wake up and decide to sell your business when you're emotionally toast and you want to move on. If you plan it in advance and you do that; the four pillars, but the fourth one we're talking about now which is documentation and planning, get that done. You will make so much more money and you'll have so much more peace of mind in the process. And after listening to the podcast you'll have so much more money left over in the bank because you get to keep more of it with the structure and deal size that Shanyn is talking about. So let's go to it. Mark: Shanyn thank you so much for joining me on the podcast. I know you and I have just recently met but I'm really, really excited about this conversation because you and I talked only briefly. I think we talked just for a little bit on the phone and in just about 10 minutes you opened my eyes to some awesome strategies that sellers can use to reduce their tax burdens. And look I've dealt with so many sellers who go to their accountants and say what is my tax burden? Oh here's what it's going to be, 22% or whatever of cap gains tax and I said well what can I do to reduce that? I really can't suck it up and pay for it. And you're like no that's not the case. Shanyn: Exactly. Mark: So let's start out with just kind of a quick introduction of yourself. I want to tell everyone who you are the firm you work for and kind of what your mission is. Shanyn: Yeah. So I am the chief strategist here at Advanced Accounting. And we are a little bit different than your average tax professional. We actually do proactive tax planning for our clients. So what we do is we want to help mitigate those taxes before we actually have an occurrence of sale. And then even on the backend, we can help you after you've actually sold the company as well. It's not as advantageous for you but we really like to be proactive. And that's what we're going to talk about today is how do we after we hopefully the profit on the sale of our business how do we keep the IRS from getting a slice of our hard work legally. Mark: Legally right that's the big thing. You know my eyes were open on a recent transaction that we did hear at Quiet Light, in fact, we had Joseph on who is the seller in that case and it was a little bit of a different deal because he was a UK based seller. But we brought in a tax specialist on that deal who ended up saving lots of money. I mean significant amounts of money from a tax perspective. And so to be able to talk to someone like you who does this as a specialty is going to be really exciting. So let's start off real quick with this and just a point that I know you made to me before our call here which is whenever there's money changing hands the IRS wants a slice of it; like they're going to get something out of it. What would you say to the tax professionals that are saying just suck it up and pay it? Shanyn: Yeah. You know I actually was talking to a tax professional the other day and he was like well nothing is certain in life but death and taxes and just be thankful you're not dealing with death. And he said there is a cap on capital gains and I was like right there is a cap on capital gains after the seller sells has company but there is actually a way that we can mitigate taxes, reduce them dramatically, and sometimes even eliminate them which is like everyone's excuse me how can that be? Mark: Yeah, excuse me, we can eliminate taxes on the sale. Okay, I'm intrigued. Shanyn: Yeah, you caught my attention now. And of course one of the things that when we're looking at the IRS code there was a senator that once I heard quote that the first nine pages of the IRS code is all about the definition of what is income and then the rest of the code is just a web of preferences and deductions and how to actually work the code and work income. And so when we're talking about tax planning that's what we're talking about really being proactive so that we're not giving the tax professional who says suck it up and deal with it you're going to pay capital gains and don't worry about it it's cost of doing business and that's not the truth. It's not. Taxes can be legally mitigated. And if you have enough knowledge that knowledge is power and can really put more money into your pockets. Mark: All right so the first nine pages just define what income is, do you know how large the tax code is; how many pages? Shanyn: You know what after the new revision I really don't know. I think that it's thousands and thousands of pages. Mark: So there's a lot in there. And I met with some tax professionals personally recently for just my own benefit and we went on a conversation with them which was hey we'll look at all the things that you're basically handing over the government where legally you don't have to if you're doing these different things. And it's more than anyone of us can really decipher on our own because I don't have time to sit there and read and stay up to date on all of this. Alright, so where do we start? Shanyn: And I don't mean to bash any type of tax professional because keeping a taxpayer in compliance is in and of itself is a full-time job. So what we're doing is really by being proactive this is a specialty from that standpoint. So I think the first thing that we start about is we talk about how does capital gains really work because that's what happens when you sell your business, you actually have a capital gain. So the methodology is buy low and sell high and pay the tax on the difference. And that's the whole concept really in nine words but really Taxes are never just as easy as just buy low and sell high. The first thing that you have to understand is what your basis is. And basis basically is what did I actually purchase my business for or what did I invest into my business? Sometimes we call it original basis or adjusted basis. So basically it's just anything I paid for the asset and anything I added to it. So we have to understand what our basis is when we ever go into a sale. In fact, the IRS has a 13-page document just on basis. So if you're really excited about basis you can read the 13-page document on it. Mark: I can say I haven't been really excited about it but I am now. And maybe I'm jumping ahead, how would you deal with bases in a startup situation? Shanyn: So basically a lot of service-based businesses are going to have a zero basis. That's one of the things that we deal with on a regular basis is that there is no basis. You started an Amazon business and you really have no assets to speak of. And so, unfortunately, your basis is zero. Mark: Okay, what can you count as part of the basis; what qualifies as that? Shanyn: So equipment would qualify; if you purchased a building sometimes depending on the business it could be that you added furniture and fixtures and things of that nature. Mark: What about things like molds for those that are making their own products? Shanyn: Exactly. So anything like that. So anything like if you have a mall or sometimes depending on the patent copyrights things of that nature can be the basis if you're actually transitioning into another business. Mark: For those that are not in e-commerce; let's talk about like a content site, a lot of content sites are start out by hiring a bunch of writers to build kind of a foundational amount of content on their site and that can be tens of thousands of dollars of content being written. Could that qualify for a basis? Shanyn: It could. It depends on how it was expensed. Sometimes accountants can be creative in the way that they're expensing things. So really basically when we're getting ready to do a sale we get a look at the balance sheet and determine what's been depreciated. So basically if you're depreciating it then that's part of your basis. If it's just been completely; so if you hired a copywriter and you've expensed that then it's not going to be considered basis. Mark: Oh, I get it. And this is one of those things; we talk about this all the time in this podcast, we talk about making sure you understand your own financials. And so many entrepreneurs are really weak in this area when you look at the balance sheet as its kind of cryptic report where we don't really understand it. And then there's also this idea well I want to expense as much as I can to reduce my income tax burden. But this is looking at a little bit different. So if I were to start up a content site and I realized look I'm going to invest $50,000 into seeds content. You're saying look you might initially not be making any money anyway so maybe it's better to put that in and record that as an asset investment that I can depreciate. Shanyn: Right. And see that's one of the things you always want to think about the end in mind. You're always going to want to like look at what is my exit strategy? Even when you're starting a business you want to look at what your exit strategy is to determine. And I know in those early years; I mean most businesses in the first three to five years are not really making a huge profit. And so I look at different expenses and really a lot of those can be capitalized over time instead of just expense in that year. And that's something to take a look at. That's where proactive planning and understanding your financials become so important. Mark: Yeah. Now from a buying standpoint if you're acquiring a business obviously you're going to capitalize expense investing in the business right away. That's going to be an investment so that's going to form basis but then also things that you're doing right after as well. Shanyn: Correct. So anything that's going to be adding capital value to that business is something that you're going to want to kind of look at and see if it is something that we should; is it really truly an expense or is it actually adding a capital value to the underlying business and should be depreciated over time. Mark: Okay. So how does this shake out on a sale basis so I would know we the buy low sell high; I imagine there is a simple subtraction coming up here, right? Shanyn: Right. So I mean basically the difference between the sale price and your basis is where you're going to get capital gains and you're not going to get capital gains depending on your filing status you're also maybe getting hit with something called net investment income tax. And that's a new tax underneath the Obama administration where they're going to kick in a 3.8% tax for those that are $200,000 of adjusted gross income for individuals and 250,000 for joint filers. And so that basically, you're going to hit with capital gains and that net investment income tax. And so that can be pretty hefty so one of the things when we're talking about mitigating taxes on the sale of a business preplanning, becomes very important. And one of the things is that if we have enough time before the sale of a business there's a lot of planning we can do. I mean there's a few after the sale offsets that we can kind of facility to mitigate tax but it's nothing like the time before the sale. And one of the things is we're going to talk about several different strategies. It's really important to understand that we actually need to start our planning; there cannot be a binding contract you're going to say repeat this again, there cannot be a binding contract in place when we start this preplanning. Mark: So a binding contract again from a sales standpoint we're looking at LOI which is it's usually non-binding but then those purchase agreements which are going to be binding. Shanyn: Correct, exactly. So we even like there to be no LOI and we want no question by any type of government organization or court system. So we even tell our clients even before there is an LOI we want to have our planning done. So oftentimes when people come to us to sell their business they know they're going to sell their business. That's the goal. And so that's when the planning should start right then and there. Mark: Alright. And we preach all the time that if you want to sell your business it's best if you're actually planning 12 to 24 months in advance because from our standpoint we want those other metrics that we look at; the influence, the valuation to be as optimized as possible. So I would imagine this pre-tax planning would also benefit if you're at 12, 24 months out. Shanyn: Well definitely because there's a lot that we can actually do in the current year to help them mitigate taxes but then on the sale of the business definitely. Now the quickest we've done; we can do this in 60 to 90 days. But one of the things I found is that what we have to do is we actually educate our seller on these strategies because a confused mind always says no. And one of the things we want to make sure is that our clients understand what they're doing and why they're doing it; what the advantages and disadvantages are. So we really start an education process with them so that they understand exactly that they could sit down and explain exactly the transaction that's about to happen in their own words and have that confidence. Mark: Right. Okay, that makes a lot of sense. Alright let's get into the example of a transaction here because let's say that knowing that we're going to sell the business we're getting into this here and we've said okay we've got maybe a little bit of basis we still have a pretty large delta on what we're selling for versus what our basis is. Maybe we'd be able to form 50 maybe a hundred thousand dollars basis but we're selling a business for two million dollars. The savings is nominal on that side. Where else should we be looking at here? I know we talked a little bit about short term capital gains taxes and our pre-cal stuff. How does this play into this? Shanyn: Well I think one of the things is when we start to look at the fact that we have a capital gain and that's what we really want. We have to really immediately step in and say okay what are the strategies that I can do to mitigate these taxes? So one of the strategies and we usually use a combination of strategies. So I know you and I are going to kind of break down just the simple line strategies but oftentimes they're actually strategies that are interwoven together from that standpoint. So one of the strategies we often see is something called an installment sale. And an installment sale is just simply a sale where you receive payments installments in more than one year. And so basically what that means is you sell your business in year one and you agreed to take three equal installments over a three year period. Now that works with some people. The advantages are that you're going to defer the gain until you actually receive those payments so taxes is divided throughout the years. So for example, we just did a transaction where let's say you have a business that you bought for 600,000 and you sold it for a million. So 40% of your sale is a gain. So when you receive those installment payments over the years 40% of each of those installment is going to be taxed as capital gain. So why is that important? A couple of different reasons; it's going to actually if you split out the capital gains over three years or five years you actually reduce the overall taxation that you're absorbing from that standpoint. And so you're not getting stumped all in one year with a big tax bill. But the devil's in the details with that one because not all assets are going to qualify for an installment sale. So that's one thing to remember. So anything that's publicly traded is not going to qualify for an asset sale. You also have tool items we find that buyers and sellers want to get a really, really low rate interest rate and so you have to charge adequate interest to the person who's buying. And if you sell depreciated assets; so let's say you're selling equipment; you have to recapture all of that depreciation and pay ordinary income tax rates immediately. So there's some things where an installment sale works really, really well with and sometimes it's not going to work really well but that's one of the simple strategies that we see. Now, one of the problems with that is that you're going to get your income over a few years. Sometimes it's a big deal. And I actually sent you an example earlier and we can talk about that in a few minutes where our buyer actually got his money over five years. And that worked out perfectly. We are actually able to eliminate the taxation on that. We're going to talk about that because that's huge. And he was given over two million dollars a year so he was pretty happy. Mark: Right. So real quick are you able to reduce the effective rate by doing an installment sale? Obviously, the amount that you're paying in one payment is going to be reduced but you are able to reduce that rate? Shanyn: It does. It depends on the taxpayer's adjusted gross income but we are able to reduce the net effect of taxes over the period. And oftentimes we're talking about that sometimes depending on the amount of the sale or the amount of the proceeds we're able to even get payments five to 10 years out so that we're able to keep that; kind of make an individual pension for that person. And that way they can also do things like delay Social Security and keep their taxes down and so it really becomes very much not just a planning for the sale event but planning for the next few years of what happens with those proceeds. Mark: Alright so I already know most of my clients are going to say with this which is I don't want to defer my payments because what happens if they don't pay; what are my collection options? There's always this worry especially with the Internet and acquisitions where so much of the business is wrapped up in blue sky, goodwill, non-tangible assets. And so what happens if the buyer runs a business into the ground two years from now and they still have about $400,000 payment well what are my options? Could you ask for those funds upfront and pay them out? Shanyn: One of the things you could do is actually do a structured sale and actually bring in a third party. Mark: Okay. Shanyn: So a structured sale is sometimes very advantageous because it actually takes the installment sale tax treatment. It does require a buyer to pay a little bit of cash upfront or all of the cash upfront. So basically what you're doing with a structured sale is you're bringing in a third party and you're exchanging your business for a stream of income. So basically what happens is; and let me say this is appropriate for businesses between the 100,000 and the five million dollar. So if you're over five million it would not work this way. But basically, in a structured sale you're going to negotiate a traditional sale. Your buyer is going to sign their obligation to make payments to an independent third party. So there's a lender involved here or an insurance company involved here. And then that third party is going to take that cash. And so you never actually get receipts. So we avoid constructive receipt rules which would actually make if we actually took that money in our hands immediately that would make it taxable immediately. So then the third party now has your cash and they're going to buy you something like [inaudible 00:26:30.4] to start income to you immediately. So you pay taxes on as you receive those payments over the years you're going to pay taxes on the capital gains again defer it. But this is a way to bring a third party in; it's called a structured sale in order to help mitigate some of that risk. Mark: Okay. So who is this third party company; what would be some examples of these third-party companies? Shanyn: So it could be a lender. It could be an insurance company. There are third parties that actually facilitate deals like this. Mark: Okay. And then from the seller standpoint, the benefit here is that they're not having to act as a collector of funds. You have a certain party that's doing that work. Shanyn: Correct. And so here's something that what we're seeing gain popularity; so one of the downsides of most installment sales, either structured sale or an installment sale is that you sold your business, you've deferred the tax, but you don't have all your money. Mark: Right. Shanyn: You have a stream of income but you don't have all your money. And so one of the things that we have found is that if you're comfortable exchanging your equity in your business for just a stream of income that's perfect; if you don't need it all at one time. But oftentimes I think that entrepreneurs want to go to another venture. It's in their blood. They want to close one chapter and start a new chapter. And so that becomes an issue because there's no capital to actually work with them unless the sale is very large. So here what we're finding is that we can take an installment sale and we can couple it with something called a monetizing loan. Now, this is a complicated concept. It takes months to actually really kind of; we do webinars and PowerPoints to really educate our clients on this and we bring in the legal team to really explain this but I'm going to try to kind of be very simple in my explanation. What we do basically is we take an installment sale and we couple it with a monetizing loan. And so basically the way that business works is we're going to defer the taxes for 30 years. Mark: Okay. Shanyn: So basically you negotiate a sales price with your buyer just like you would. And when it comes time to close there's going to be simultaneous things that happen at closing. You're going to sell your assets to an unrelated third party in exchange for a lump-sum payment in 30 years. Step one that third party simultaneously sells your asset to the buyer in exchange for your agreed-upon price. Now you've sold your asset. You're going to use installment sale treatment to defer the tax but you're still going to have your money. Here's where the monetizing loan comes in at the same time that you and the third-party and the buyer close the original sale the third party lender is going to step in and he's going to extend to you a loan equal to 93.5% of the sale. So remember loan proceeds are not taxable because they come with an obligation to repay. Now you have your cash in your hand and that's almost equivalent to what you had for your sales price. And you're free to do whatever you want with those funds. Now it's a loan. While that loan is outstanding the third party pays the interest. In fact the terms of the loan specify that the interest is non-recourse to the seller which is really important because non-recourse means that the lender can't come after you for the payment of that interest. So 30 years goes by and you have all of your money. You do whatever you want with it. And at the end of the 30 years, the whole transaction unwinds. The third-party pays you or your heirs the purchase price in cash. You use the proceeds to repay the loan and then you pay the tax. So there's some magic that happens here. I always call it the eighth and ninth wonder of the world; that deferral and the time value of money. So the question really happens to be what's going to be the tax in 30 years. So if you think about this if inflation continues at 2½ %; that's kind of what it's been for the last 20 or 30 years, and it continues and long term capital gains remains at 20%, the tax bill on a million dollars of pain in 2019 would be equivalent to about $94,000 in 2049. Mark: Wow. Shanyn: That's less than half of today's tax bill and you've got to use your money for 30 years. Mark: Right. So with the installment sale and the monetizing loan you get that money upfront it's just coming in a different vehicle; it's coming through essentially a loan. Shanyn: Right. Mark: My mind is spinning right now. And you said it earlier a confused mind says no. My head is a little bit confused right now but I'm seeing where you're going with this. This is really, really brilliant. What are some reasons why people both on the buy-side and sell-side wouldn't want to do this other than confusion of the concept. Shanyn: And you know what really when we actually walk; so oftentimes we get clients who are like right in the middle like I've got an LOI I want to sign I need to do something now. This structure takes a lot of time to explain and to be comfortable with and to show how all of the numbers move. So really what are the downsides of this? Confusion, that's probably the number one thing or lack of understanding of how it can really; can this really work? I mean people are like really defer taxes for 30 years? They're skeptical of lenders sometimes that would actually be extending the loan. So there's a lot of skepticism I think and lack of understanding. But really this is a win-win for everyone involved. I mean really the buyer doesn't care. The buyer is going to give his asset and he's going to walk away and he's going to have this new business. So he probably doesn't care. Mark: And they're paying just as they normally would if they're buying the business upfront, right? Shanyn: Exactly. And the seller sometimes they don't understand. But I mean there's legal agreements in place around the loan. You're making sure that you're working with a reputable third party from that standpoint so you're making sure that the loan is non-recourse and how it's going to unwind. And of course, you're going to have your own attorney look at all of the documents and paperwork as well. So basically you're doing your own due diligence. But any tax professional that's utilizing these kinds of strategies has done their own due diligence as well and they're picking at third parties to actually work with that and a lawyer or legal team to work with that's what they specialize in. Mark: Right. How do you handle this with more complex sales where you have a portion of like an equity rollover over, a cash upfront, and maybe some debt as well coming in there. Can you structure this as a component of a larger structure? Shanyn: Correct. So that's what I said we often use multiple strategies. So right now I'm working on a deal where someone is selling a restaurant franchise along with the real estate that some of the franchise franchises sit on and there's debt. And so we're actually restructuring debt to flow through like a different entity on the real estate side so that we can use and monetize installments. So we've got like three or four actual strategies that are in play and that's where the preplanning comes in. So if we got 12 to 24 months to sit down with you and figure out a game plan we can really kind of put several different strategies together. Sometimes we're just deferring the tax sometimes we're able to eliminate it altogether. But it's just different components of the sale will be treated differently. Mark: Alright. So I want to get to our example because again I can hear the question in people's minds which is is the juice worth the squeeze here; the fees to you, the amount of time, the headache, trying to convince a buyer to do this which doesn't look as traditional as maybe everyone is expecting going in. So let's run through an example here and you sent me a PDF with an example; is it okay if I post this on our site? Shanyn: Yes definitely. Mark: Okay so we'll make this available for download in the show notes so that people can follow on with us if you want an actual example of this but let's talk through the example here that you gave me. Shanyn: And this is just one; so this is just one strategy, so I just illustrated one. This was actually a business that's being sold in Michigan. Equipment was included. So they had molds and dyes and they sold on the Internet. So they are a combination business. So the sale price was 12 million dollars. And the cost of the sale was about 360,000. They had actually found a buyer outright. But this is what the legal team was kind of charging. So the gain overall was 11.6 million dollars. So at the end of the day you'll see here underneath projected taxes we have federal taxes, we have that net investment income tax, we also are recapturing depreciation, and then we have the state tax. So all in their total gain is 11.6 million and they're losing 4.3 million dollars to taxes. Mark: Yeah. I can tell you when I sold my business that wasn't for a million dollars but when I sold my very first business one of the most sobering moments was getting this first tax bill. And again just to reiterate this; the tax will gain so the cost of the sale on this we have 12 million dollars on the sales price 360,000 towards advisors and fees here so 11.64 is what they're gaining after those advisory fees and then the government at different levels comes in and says thank you for that 11.6 we're taking 4.3 of that and reducing you down 7.2, 7.3 million dollars. Shanyn: Yeah so about 7.3 million dollars is what you're going to walk away with. That's a lot of money but it can be a lot more. Mark: You're still buying dinner the next time you go out but if you look at 12 million and it gets reduced to 7.3, that's pretty hefty. Shanyn: So one of the things that if you look here is that we're able to increase this seller's profit by over 3.3 million dollars and so basically what we do is that you'll see here that the sale price didn't change, the net sales price didn't change, we're actually using a combination of different strategies and the seller is actually taking payments over five years. So over a course of five years, he's going to get 2.1 million dollars and then there's some additional tax savings that we found in there over time. So he's getting a little bit more cash flow from that standpoint. So after just a coupling a couple of strategies together instead of walking away with 7.3 million he walks away with 10.6. Mark: That's a huge gain. That's 3 point…my math here is 3.3 million dollars. Shanyn: 3.3 million, a little bit more than 3.3 million. Mark: Because some of that money is deferred now with those deferred payments you mentioned briefly the time value of money. How do we capture some of that time value of money? Shanyn: So with those deferred payments I mean basically you are actually getting a little bit of an interest rate in that as well. So that all has to be inside the different strategies. Remember when I said we're doing installment sales so we've got to charge interest and have an interest in things of that nature. Mark: It has to be reasonable. Shanyn: It has to be reasonable. Exactly. So over five years, you're going to receive that 2.1 million dollars. So this person is giving up; they're comfortable giving up a little bit of return on investment in order to actually eliminate the taxes. Mark: Yeah and that right there I can totally see being worth the effort of going through this and I know you know we talk to sellers all the time. They get so nervous about doing installment plans. They want their money and they want their money now. And for a lot of people especially growing a business they're profit rich but cash flow poor where they're showing good profits and the selling moment is the first time where they're really getting the cash out of the… Shanyn: They're reaping their harvest. Yeah. Mark: Yeah exactly. So it's kind of a hard sell initially to say okay I know you're now selling a business for 12 million dollars. Shanyn: Right. Well, I think one of the things that; like the conversation I had with them when we proposed these strategies because they're one of the things that we're looking at is okay you're used to living on 250,000 a year in income and now you're going to get two million. What are you going to do with it? Mark: Yeah [inaudible 00:39:19.4]. Shanyn: What's the difference if you are given a check for 7 or you're given a check for 2? How is think going to change your day to day life? That's a conversation you actually have to have. You have to understand what the seller's ultimate goal is. I mean if it's just to go live on the beach in Delray Beach Florida that's kind of my dream then you can probably do that for two million dollars a year. Mark: Yeah, absolutely. Shanyn: It's kind of you know; and also one of the things and this was the eye-opening experience for me I actually had a brother set and one of the brothers wanted all the money up front and the other brother said to me if we don't structure this on installment sale my brother will blow through this money and he won't have anything because money burned a hole in the brother's pocket. And so the other brother was willing to both of them saw the validity there but the other guy just saw the big numbers and was like ah if I could open up my bank statements see that money sitting there. And the other brother was like no if we do that I know I won't spend it because I'm I will hold onto my money but you'll go through it and you won't have anything. Mark: Right. And I think something that entrepreneurs need to keep in mind and I personally went through this myself when I sold my first business is that a lot of entrepreneurs especially in the Internet space are bootstrappers, we get things going and we do it with a lot of grit. And then when you come into a lot of money you're trying to replace some of that grit with spending and so the second startup is way more money thirsty than that first one. And if you don't get the right payout and I've seen it happen with our clients and I had it happen with myself with that second startup I threw away more cash than I anticipated. So this is kind of a nice little lever on that to make sure you're not following through. Shanyn: I call it a safety net because sometimes we see entrepreneurs who actually sell their business and they say I'm going to retire and that retirement lasts like a year and then they're itching. They're like what do I got to do? Mark: I'm bored. I want to do this again. Shanyn: Right. I want to go do this again. And so basically when we're going into our planning process, not every strategy is going to work for every client but what we're doing is we're doing a full discovery and we're figuring out what's really important to that seller. And then we are working to mitigate taxes through the legal channels that are available so that they get the best deal at the end of the day. Mark: I want to hit on one last thing on the notes that you provided me here because we didn't get a chance to talk about it and that's the charitable strategies section here and we only have about five minutes left here so hopefully I'm not uncovering like an enormous topic that we could have spent… Shanyn: We can talk all day about charitable strategy. Mark: Or maybe we'll do a secondary podcast just on that because that's something that's near and dear to my heart; making sure that entrepreneurs are contributing or we should. But where does this fall into the spectrum of planning? Shanyn: So basically charitable strategies is one of the strategies that we use and it's a foundation of tax planning. It's also a foundation of capital gains planning and that's because charitable organizations can sell appreciated assets without paying tax on the gain. Mark: Wow. Shanyn: So again it's a very convoluted type of strategy but basically what happens is you actually establish a charitable remainder trust and you transfer those assets into the trust. It's important that there's no; this is preprinted, there's no binding contract before you transfer something into the trust. The trust then sells the assets to the buyer. And that's where the magic happens because the trust is tax-free and see there's no capital gains and then that trust then reinvest those assets from the sale price and then it pays you the after-tax amount over a period of time. So basically it's a way that we can eliminate a lot of taxation. Mark: Wow that is absolutely mind-blowing right there. And the worry that I think some people would get into is okay I know you said this is legal how much red tape and how fine are the rules that you have to follow for something like that? Shanyn: So basically; I mean there are rules and so by charitable remainder trust you have a legal team that actually specializes in this. You're not going to your mom and pop local lawyer who handles everything from drunk driving to criminal. Mark: My uncle who's a lawyer and not going to charge me a retainer; that type of a deal? Shanyn: Right. I mean so here's the thing; this is a place where when you're doing these strategies you want expert advice. You want somebody who has done this again and again and again and who understands these concepts. And so you're picking individuals that understand how to put together and to write a charitable remainder trust; how to facilitate these third party transactions. Mark: I got it. Okay, we are up against a clock. Shanyn, how can people reach you because I guarantee you're going to get a lot of calls and a lot of e-mails from this so careful what you're giving out right now; how can people reach you? Shanyn: So definitely they can reach me at AdvancedAccounting.com in the right-hand corner there's going to be a button that says a free consultation. And I would love to have a 30 minute Xoom call with them and just kind of talk them through what their particular situation is and if we can help them. Mark: That's fantastic. We will put that in the show notes; a link over to your website, we'll also upload this really simple example that you put together of tax savings which amounted to three million dollars in tax savings on a 12 million dollar sale, really interesting stuff. And I think the big lesson that I would like people to come away with is to think about the selling process in a little bit more strategic way because so many people are just looking at let's get it simple, let's get it done, let's move on with our lives, I'm going to eat this fee. There's a lot that can be done by hiring the right people to reduce those fees. You are one of those people for sure that can certainly help. So thank you for coming on. I can see having you on and maybe digging deep into one of these strategies maybe in a future episode if you'd be up for it. Shanyn: Yeah, perfect. I'd love it. Mark: Awesome. Thanks so much. Shanyn: Thank you.   Links and Resources: Shanyn's Firm Website Free Consultation Link About Shanyn Stewart: She's a serial entrepreneur and fearless single mom who has a background in military tactical training and is not afraid to stand up to anyone, including the IRS. A gun-toting, libertarian proactive tax strategist, Shanyn has built a team of tax and financial experts to assist clients in legal tax avoidance. Shanyn began her career with General Electric as one of two advisors that worked directly with GE employees and executives to mitigate taxation throughout the country. Armed with years of tax navigation experience, in 1996 she started Advanced Accounting to help clients apply those principles she learned at GE to assist in reducing their tax liability. A former American Baptist Pastor, Shanyn owns Gunpowder & Lace, a concealment garment and holster company for woman. She also coaches women on how to give themselves permission to channel their inner goddess and inner badass and make no apologies for it.

The Kayak Fishing RAW podcast is excited to have "South Florida Bass Charters" owner Bill Lepree join the show! Captain Bill Lepree is a South Florida native with over 30 years of experience fishing the area waters. His charters are run in the Lake Ida and Osbourne chain conveniently located in Delray Beach Florida. We will talk about his thoughts on the upcoming #ekft #exoticroundup tournament His awesome charter business and much more.

On today’s show Collier Swecker and Realtor Friends are talking about all things real estate and what is going on in real estate markets all across the nation! Collier On today’s show Collier Swecker and Realtor Friends are talking about all things real estate and what is going on in real estate markets all across the nation! Collier is joined by national real estate experts, Lisa Forss from Temecula California, Lisa Treu from Delray Beach Florida, Tiffany Lachnidt from Colorado Springs Colorado, Scott Martin from Colorado Springs Colorado and the one and only Tara Limbird from Bentonville Arkansas. Join us every Thursday at 4pm for the live show on Facebook Live or watch or listen to the Real Estate Happy Hour on replay or podcast.  If you want more information about Collier's guests you can visit them on their websites: Lisa Forss: http://www.TeamForss.comLisa Treu: http://www.TreuGroup.comTiffany Lachnidt: http://www.TheDistinctiveGroup.comScott Martin: http://www.TheDistinctiveGroup.comTara Limbird: http://www.LimbirdTeam.com #RealEstate #Podcast #MegaAgent #Mortgage #HomeBuyer

In this inaugural episode,  Dr. Craig Spodak and Dr, Paul Etchison discuss how to effectively communicate and present Invisalign treatment to your patients.   Dr. Spodak explains that it is a team game,  and what strategies he uses in his practice in Del Ray Beach Florida.    

Gambling Chalk Talk Podcast Episode 202, NFL Week 9 Picks – Aaron Brooks Episode   Jeffrey “Coach” Belanger and the Gambling Chalk Talk Podcast guys in Episode 202 the Aaron Brooks episode. Coach and the Joker break down NFL games for week 9. Jo Jo from Del Ray Beach Florida […] The post NFL Week 9 Picks appeared first on Gambling Chalk Talk Podcast.

Justin Ford is based out of Delray Beach Florida. He talks about being flexible in the Florida coastal markets. He invests in hotels, vacation rentals and multifamily.

Adam Oberman – Adam has been with Retriever of Chicago for 14 years. He started as the manager of the risk/chargeback/collection department for NPC Corporate which is the parent company of Retriever of Chicago. He managed over 20 employees in his 4 years with corporate. Adam then joined forces with Nick Oberman and Ryan Hallett and formed Retriever of Chicago which is one of NPC's largest Independent Sales Organizations today. That sales force has a sales team of over 60 agents nationwide, and four offices spread across the United States – Mokena IL, Chicago IL, Del Ray Beach Florida, and Los Angeles California. Adams primary focus is on the large mid-merchant segment that process in a retail environment. With Adams knowledge and experience in the Risk/Chargeback department he is able to assist clients in reducing their disputes with customers and managing their current Fraud tools within their gateway. Adam resides with his wife and three kids in Orland Park IL. He devotes his free time to his family and his dedication to serve at his church as a youth leader. Adam is also involved with Restoration Ministries charitable organization in Harvey, Illinois which helps recovering addicts turn their lives around. Awards and Highlights: 2005- “Jumbo Merchant” Award 2007- Helped triple the company's revenue within his team. 2009- “Jumbo Merchant” Award 2011- “Fastest Growing Group” Award within his team 2012- “Risk Management Club” Award within his team 2013- “Highest Revenue Growth” Award within his team.Nicholas Oberman is the CEO of Retriever of Chicago Inc. He is currently a member of NPC's Advisory Board of Directors, and has over 13 years of industry experience all with NPC. Nicholas has built his team to over 60 Bank Card Representatives nationwide. Under Nicholas leadership, Retriever of Chicago is now the 5th largest partnership NPC holds, and services over 3000 merchant relationships. He has also been an integral part in attaining Major Merchants, and a number of banking relationships over the last 13 years. Nicholas currently resides in the South Suburbs of Chicago with his Wife and three sons. He also sits on Restoration Ministries Board of Directors. Restoration Ministries charitable organization in Harvey, Illinois which helps recovering addicts turn their lives around. Awards and Highlights: 2005-Current – President / CEO at Retriever of Chicago Inc. 2006 – Jumbo Merchant Award 2009 – Rising Star (for an ISO) Award 2010 – Assisted in the development of the ETA's CPP Exam 2011 - Elected to NPC's Advisory Board 2011 – Fastest growing sales group award 2012 – Risk Management Club 2013 – Top ISO Partner for highest revenue growth 2013- Completed and passed ETA's CPP (certified payment professional) exam. The objectives of the ETA CPP program are to: • Establish a uniform, defined standard of practice and knowledge for ISOs, sales personnel and other payments industry professionals • Quantify the expertise and potential performance of payments industry professionals • Enhance the productivity and reputation of payments companies and the credibility of the industry • Thwart inappropriate practices that may sully the reputation of the industry • Provide an important service to the payments industry PURPOSE OF THE ETA CPP The ETA CPP program sets the standard for professional performance in the payments industry and is a symbol of excellence. It signifies that an individual has demonstrated the knowledge and skills required to perform competently in today's complex electronic payments environment. As a result of increasing governmental scrutiny and regulation, growing security and compliance requirements, and a host of emerging issues and trends, today's payments professionals need to have a broad knowledge of the industry, the challenges and forces shaping its future. They must demonstrate mastery not only of sales, but of pricing and interchange; business process, operations and workflow; products and solutions; risk; and regulatory, compliance and security matters as well. With the ETA CPP designation, ETA codifies the significant increase in knowledge required of payments professionals on the job.Ryan is the Vice President of Retrieve of Chicago Sales Division, and has over 10 years industry experience all with the same startup. Ryan oversees a sales staff of 60 agents nationwide. Primary focus is on recruiting new sales agents, and developing new strategic alliances with value added resellers. Through Ryan's vision and dedication Retriever of Chicago has become one of the largest ISO's at National Processing Company. Responsibilities include: • Marketing for agents • Manage Value Added Reseller relationships • Sales strategies and goals • Merchant retention • New Product Releases Ryan resides with his wife and two daughters in St. John Indiana. He devotes his free time to Restoration Ministries charitable organization in Harvey, Illinois which helps recovering addicts turn their lives around. 2013- Completed and passed ETA's CPP (certified payment professional) exam. The objectives of the ETA CPP program are to: • Establish a uniform, defined standard of practice and knowledge for ISOs, sales personnel and other payments industry professionals • Quantify the expertise and potential performance of payments industry professionals • Enhance the productivity and reputation of payments companies and the credibility of the industry • Thwart inappropriate practices that may sully the reputation of the industry • Provide an important service to the payments industry 2005- Graduated Illinois State University focus in Entrepreneurship

-In this episode: Moussaoui is arrested. Atta picks The Day.

-In this episode: The Saudi "muscle" arrive in Florida.