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A leadership team can share the same office, attend the same meetings, and still pull the agency in different directions. Daniel Metcalf and Mike Stromsoe explore how quiet misalignment limits scalability, weakens execution, and prevents an agency operating system from taking hold. They reveal why agreement in the room is not enough and how shared standards, consistent behavior, and a clearly defined destination create the trust and momentum needed to build an agency that can grow beyond its owner.Key Topics:  • The difference between leadership alignment and simply getting along  • How departmental thinking creates friction for employees and customers  • Why conflicting answers about agency processes reveal deeper operational gaps  • The danger of leaders maintaining separate scorecards and hidden spreadsheets  • How incomplete CRM data prevents leaders from making reliable decisions  • Why every position must be supported by a system rather than dependent on one person  • How weekly leadership meetings can produce action instead of routine check-ins  • The importance of defining ownership, deadlines, and measurable success  • Why leadership roles must match the behaviors required to hold others accountable  • How consistent communication and follow-through strengthen trust across the agencyConnect with Daniel:LinkedInWebsiteConnect with Mike: LinkedIn TwitterLeadership alignment is not created by agreement alone. It comes from shared priorities, clearly defined responsibilities, consistent behaviors, and accountability that reaches across the entire agency. When leaders understand where the business is going, who owns each action, and how success will be measured, the agency can move faster, build trust, and scale without relying on the owner to hold everything together.

Is buying an existing business a smarter alternative to starting from scratch? In this podcast, banking and business finance expert Sidd Bahree shares practical insights for South Asian and Indian migrants in Australia on business acquisitions, financing options, emerging sectors, and the key factors to consider before taking the leap.

Rick Sharga, founder of CJ Patrick Company, discusses current housing market conditions and economic trends. Rick explains that despite mortgage rates tripling since the pandemic, the housing market has shown resilience with 49 consecutive months of year-over-year price increases, though sales volume remains down for three years. He noted that while affordability remains a challenge with a $40,000 wage gap for median-income buyers, recent data shows pending sales and mortgage purchase applications running ahead of last year, suggesting pent-up demand may soon drive market recovery. Rick highlighted that inflation concerns stem largely from energy price increases following the Iran conflict, and emphasized that wage growth continues to outpace home price growth, making affordability slightly better. He also discussed how builders currently face a 10-month supply of new homes while existing home inventory remains tight, creating opportunities for investors in both markets. EmpoweredInvestor.com/Ai EmpoweredInvestor.com/Ask Reach out to our Investment Counselors 1-800- HARTMAN Ext. 2 PropertyTracker.com https://cjpatrick.com #HousingMarket #RealEstateReset #MarketRecovery2027 #MortgageRates #HousingAffordability #EconomicGrowth #InflationWatch #HomePrices #RealEstateInvesting #PentUpDemand #SingleFamilyRentals #HousingInventory #JobMarket #GDP #StockMarket #HomeEquity #NewHomeConstruction #SunBeltRealEstate #CJPatrickCompany #DListing #CapitalGainsTax #ApartmentMarket #HousingStarts #EconomicOutlook   Key Takeaways: Jason's editorial 0:00 Updating my clone's virtual brain 6:10 Refi vs. HELOC   Rick Sharga Interview 14:34 GDP growth, stock market and inflation 23:20 Unemployment, job and wage growth 25:52 The housing market- single family and apartments 30:31 Mortgage rates and home prices 35:35 Price trends, inventory levels and the factors that show promise 37:26 Existing and new home sales 41:02 Housing starts are at a 5-year low 42:47 Closing thoughts  

What if retirement was not the end of your working life, but the beginning of a more meaningful way to contribute? Retirement planning often focuses on pensions, savings and when we can afford to stop working, but it also raises important questions about purpose, identity, connection and how we want to use the experience we have built throughout our careers. In this episode, we explore coaching as a retirement strategy and how it can create a gradual, purposeful transition into the next chapter of life. Many experienced leaders and professionals are not ready to stop contributing. Instead, they want greater flexibility, autonomy and the opportunity to use their knowledge in work that feels personally meaningful. Coaching can provide a bridge between full-time employment and retirement, but it takes time to build. Completing a rigorous coaching qualification, developing confidence, gaining experience and creating a trusted network can take several years. Starting early allows people to shape a retirement that feels exciting and sustainable, while creating the option of additional income through flexible, low-cost work. Coaching can also form part of a wider portfolio that includes mentoring, consultancy, board advisory work, facilitation, training or volunteering. It offers a way to continue helping others grow, remain connected to a professional community and contribute on your own terms. Ultimately, coaching as a retirement strategy is about creating more choice, purpose and possibility for the future. Timestamps: 00:00 Welcome and episode introduction 00:07 Why coaching can support retirement planning 01:37 Designing the next chapter of your career 03:59 Avoiding the retirement cliff edge 04:28 Coaching as purpose, income and insurance 06:51 Building experience, a niche and referral networks 07:22 When learning and helping others are your hobbies 09:43 Coaching as a vehicle for meaningful impact 10:35 Creating a portfolio retirement strategy 12:58 Connection, community and wellbeing after work 14:11 Giving back through coaching and volunteering 16:37 Creating options for an uncertain future 18:30 Coaching course quiz and next steps Key Lessons Learned: Retirement planning should include purpose, identity, wellbeing and connection, as well as financial preparation. Coaching can create a gradual transition from full-time employment into more flexible and meaningful work. Starting coach training several years before retirement provides time to qualify, practise and build professional credibility. A clear coaching niche is often built around the experience, expertise and interests developed during a previous career. Existing professional relationships can become valuable referral routes when building a coaching practice. Coaching can provide an additional retirement income without the overheads associated with many other businesses. A retirement coaching practice does not need to be entirely commercial. Coaching skills can also be used within mentoring, volunteering and community work. Coaching can complement consultancy, facilitation, training, board advisory work and speaking as part of a portfolio career. Professional supervision and coaching networks can provide valuable connection and support after leaving employment. The objective is not to predict every detail of retirement. It is to create enough options to respond confidently as life changes. Keywords: coaching as a retirement strategy, retirement planning, purposeful retirement, coaching qualification, becoming a coach, retirement career options, portfolio retirement, portfolio career, executive coaching, career transition, coaching business, flexible retirement income, meaningful work after retirement, professional coaching accreditation, retirement wellbeing, coaching after a leadership career, planning for retirement, second career after retirement, Links and Resources: Coaching course quiz: www.mycachingcourse.com Book a call: www.igcompany.com/ILMcall

Drop us a line or two . . .We open mid-life, mid-rain, mid-chaos — and fully on brand. Queenie's kicking things off fresh off a family reunion that somehow pulled together around 60 people under a pavilion while the weather did its worst. The rain, she reports, was actually a blessing — it corralled everyone together and made for a genuinely lovely day. Her mom, the family matriarch, had someone at her side every minute. Seven hours on poured concrete. Sixty people. Special-edition 250th anniversary rubber ducks wearing Uncle Sam hats and Mardi Gras beads. Trivia questions. Revolutionary War research that Queenie will readily admit her procrastination kept from being as thorough as intended. The ducks, she assures everyone, will be collector's items. Future generations will hold them up and say, "Look at this relic from when the Republic still stood." The physical toll of the reunion caught up with Queenie overnight — leg cramps, dehydration, chanting through the pain — which leads, naturally, into a colonoscopy update. Because of course it does. The prep, she confirms, is indeed a blast. Moving on. TT, meanwhile, is already feeling the effects of the big-ass bag of gummies — yes, that big-ass bag, the one they apparently weren't sure would still have any potency. It does. Potency plus. Queenie's working her way through a Hepworth Citrus Slurp — a teeny-weeny 0.35g pre-rolled dog walker, sun grown, naturally terpene rich, and delivering a clean sativa energy. The fly in the room, apparently, got the memo and departed when the fly swatter appeared, which sends them into a genuinely delightful detour about whether ants retrieve their dead, mourn their dead, or potentially require DNA evidence before accepting that a fallen comrade is really gone. Alexa is consulted. Designated undertaker workers, she reports, sense a death pheromone and remove corpses from the colony. They're just being tidy. The ants. Just being tidy. From ant funerals, Queenie pivots to a rant about the total myth of the paperless digital revolution, which she has been living in real time while navigating bureaucratic systems with assignees. Motor vehicles. Government agencies. Bank accounts. Not one transaction in twenty goes smoothly. You always need a paper backup for the digital. You always need to wait. You get called, miss your number, get called again out of sequence, haven't had a chance to fill out a single form yet because you were pulled to get your photo taken first. The receipt multiplies. The paperwork multiplies. The fax machines are still running somewhere in a government building. It is, Queenie concludes, organized crime. You do not exist until they tell you you exist, and they decide the terms. A little raw around the edges, she admits. A concentrated few weeks. Then it's time for Wait, What — and this week's entry is genuinely warm. Queenie shares the story of a British author who, on the occasion of turning 60, invited sixty people — strangers, acquaintances, old friends, her own children — to sit down and share a cup of tea with her. Part curiosity project, part antidote to the creeping shyness that snuck up on her in her later years. She kept a blog. She opened each conversation with a few consistent questions. She found that intentional listening — actually just listening, not advising — meant her kids opened up to her in ways they hadn't before. Intimate moments. Real connection. New friendships. New ideas. Queenie loves it. TT loves it. They wonder if they could do it. TT suspects she'd enjoy it enormously but is fuzzy on the mechanics of execution. They agree the format is flexible — tea, cookies, a brownie, a gummy, whatever. The key, Queenie says, is making it intentional. The conversation wanders into the current political moment, which is everywhere and unavoidable, and Queenie reflects that at the family reunion, even with all the patriotic ducks and anniversary fanfare, the prevailing mood around current events was more forlorn than defensive. Nobody was flying any flags for the other team. She notes they grew up watching their parents' generation of siblings never conflict — and they're just modeling that behavior. You hold onto the shared history. Cousin Sharon gets a moment: the only family member to have served in an active war zone. The men were never that closely involved in any conflict. That lands quietly. TT's Choice serves up number 49: would you rather have a podcast guest who is absolutely fascinating but hates you, or who loves you but has nothing interesting to say? Both hosts go immediately for fascinating-and-hostile. The reasoning: it's better for the audience. And honestly, better for them. TT admits she can make small talk for about a minute before the panic sets in. A minute, she clarifies, is a genuinely long time when you're flapping in the wind. They'd try charm and wit to win the hostile guest over. They'd feign a dropped connection if things got dire. They'd exit gracefully. They debate whether actively seeking someone who hates you is ethically sound podcasting practice or just fishing for drama. TT starts to say something, stops herself, and refuses to share it on air. This has apparently never happened before. Queenie is mildly unsettled. The Fuck It List this week: Queenie is retiring her compulsive apologies on the pickleball court. Her class was cancelled due to Canadian wildfire smoke — the air quality has been in the red-to-dangerous range, and there are days the sky goes visibly yellow. She and TT go deep on the state of the planet: El Niño, prescribed burns, the pine bush outside Albany that has to burn to bloom, the Karner blue butterfly, fires mapped across the entire globe on Weather Underground looking like the world is literally ablaze. Japan. China. Sandstorms from the desert traveling across continents. Canada. Pittsburgh. It's a lot. Back to the fuck it: TT has been apologizing reflexively on the pickleball court every time she misses a shot — and so has her partner. They both caught themselves doing it and looked at each other. They agreed: stop. Nobody's playing for money. Nobody's walking off a cliff. TT reflects that she's not used to team sports, doesn't love the pressure, feels responsible for the group, and carries the anxiety of visible positions — goalies, pitchers, catchers, all the people in the hot spots. Queenie points out that women apologize constantly for things outside their control. Bumping into someone. Missing a shot. Existing. The episode closes on that note — and on a song: a full musical number about the reflexive female apology. Apologizing to chairs. To waiters who brought the wrong plate. To the doctor for making you wait. To the stranger who stepped on your shoe. Every woman in the room nodded. They've been sorry since the age of eight. Queenie and TT sign off warmly. Then, in true CDQ fashion, the mics keep rolling while they attempt to figure out live streaming, test whether Queenie's black t-shirt creates a floating-head effect on camera (it kind of does), reference The Wizard of Oz, and confirm that they are, in fact, quite possibly one of a kind. Welcome to the Closet Disco Queen Pot-Cast, a #1 ranked Women in Cannabis (Feedspot, Million Pods; 2025) comedy podcast with music and pop culture references that keeps you laughing and engaged. Join our hosts, Queenie & TT as they share humorous anecdotes about daily life, offering women's perspectives on lifestyle and wellness. We dive into funny cannabis conversations and stories, creating an entertaining space where nothing is off-limits. Each episode features entertaining discussions on pop culture trends, as we discuss music, culture, and cannabis in a light-hearted and inclusive manner. Tune in for a delightful blend of humor, insight, and relatable stories that celebrate life's quirks and pleasures. Our Closet Disco Queen Pot-Cast deals with legal adult cannabis use and is intended for entertainment purposes only for those 21 and olderVisit our Closet Disco Queen Pot-Cast merch store!Find us on Facebook and Green Coast RadioSound from Zapsplat.com,  https://quicksounds.com, 101soundboards.com #ToneTransfer

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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Nadav Cornberg, CEO of Eve Security, highlights the need for real-time security for agentic AI in healthcare environments to enforce policies and map agentic activities within an organization. There are unique risks posed by AI, such as ambiguity from natural language commands, the potential for unintended or malicious actions, and the amplified impact of a single AI error compared to human error. Nadav points out that many hospitals are likely unaware of the extent to which agentic AI is already active in their systems, and of why conducting risk assessments and policy reviews should be a priority. Nadav explains, "Eve Security provides two main services. One is our runtime security solution, which allows us to enforce policies when you connect any type of AI agent to a critical data source or system. The other solution that we provide is our AIDR, where we give you a full topology of what agentic activities are running in your organization. We do that by connecting to security systems like an EDR, NextGen Firewall, or your SIM."   "Just like we'll see a manager in the employee environment, in the physical world, that's why we have managers as well to guide employees on the work they want to do. How that works is we sit either on top of existing gateways or proxies, and that's how you will connect those agents to critical systems, or we connect to hooks."   "At the end of the day, the reality of how we're communicating and engaging with agents brings that new necessity. Existing security tools do not deal well with natural language. In addition to not dealing well with natural language, they're not doing well with trying to understand the true intent behind an action, and it's more built on static parameters. And that's the real gap that introducing AI agents into environments has brought. The risks are ambiguity and the unpredictable, non-deterministic behavior." #EveSecurity #AgenticAISecurity #SecurityatRuntime #AISecurity #HealthcareAI #PatientSafety #HospitalSecurity #AgenticAI #CyberSecurity #HealthIT #DataProtection Eve.security  Listen to the podcast here

Nadav Cornberg, CEO of Eve Security, highlights the need for real-time security for agentic AI in healthcare environments to enforce policies and map agentic activities within an organization. There are unique risks posed by AI, such as ambiguity from natural language commands, the potential for unintended or malicious actions, and the amplified impact of a single AI error compared to human error. Nadav points out that many hospitals are likely unaware of the extent to which agentic AI is already active in their systems, and of why conducting risk assessments and policy reviews should be a priority. Nadav explains, "Eve Security provides two main services. One is our runtime security solution, which allows us to enforce policies when you connect any type of AI agent to a critical data source or system. The other solution that we provide is our AIDR, where we give you a full topology of what agentic activities are running in your organization. We do that by connecting to security systems like an EDR, NextGen Firewall, or your SIM."   "Just like we'll see a manager in the employee environment, in the physical world, that's why we have managers as well to guide employees on the work they want to do. How that works is we sit either on top of existing gateways or proxies, and that's how you will connect those agents to critical systems, or we connect to hooks."   "At the end of the day, the reality of how we're communicating and engaging with agents brings that new necessity. Existing security tools do not deal well with natural language. In addition to not dealing well with natural language, they're not doing well with trying to understand the true intent behind an action, and it's more built on static parameters. And that's the real gap that introducing AI agents into environments has brought. The risks are ambiguity and the unpredictable, non-deterministic behavior." #EveSecurity #AgenticAISecurity #SecurityatRuntime #AISecurity #HealthcareAI #PatientSafety #HospitalSecurity #AgenticAI #CyberSecurity #HealthIT #DataProtection Eve.security Download the transcript here

Do you need years of estate agency experience to succeed as a self-employed agent? I'm joined by Lucy Joerin, estate agent, coach and co-founder of a successful Cotswolds agency model, to discuss mindset, resilience, lead generation, business ownership and why industry experience isn't always the key to success.

This week we are talking about 501(c)(4)s, or social welfare organizations. What are the advantages to starting one?  How are they different than 501(c)(3)s and other types of nonprofits? And what are the important considerations when determining if a 501(c)(4) would be a good vehicle to use to conduct the types of activities you are hoping to engage in to achieve your mission? If you are curious about 501(c)(4)s, what they can do, and how they operate... this podcast episode is for you. Attorneys for this Episode Natalie Ossenfort Susan Finkle Sourlis Quyen Tu Shownotes Scenario: ·      Existing 501(c)(3) has a mission focused on providing potable water to the residents of a community, who are currently unable to tap into a reliable water supply. ·      The city, county, and state have failed to step up, so the 501(c)(3)'s staff raise funds for bottled water that they deliver to the community. ·      What the organization's founders thought would be a temporary fix, has now been operational for several years, and the water situation is not improving. ·      The 501(c)(3)'s founders want to do more to address the needs of the community, and some are considering starting an affiliated 501(c)(4). General Rules & Characteristics for 501(c)(3)s: ·      501(c)(3) organizations have a very favorable tax status. ·      They are tax-exempt, and their donors can take advantage of a tax deduction for their contributions.   ·      501(c)(3) public charities are limited in the amount of lobbying (or legislative advocacy) they can engage in, and they are prohibited from engaging in partisan political activity. Advantages of 501(c)(4)s ·      501(c)(4)s are social welfare organizations. ·      They are tax-exempt organizations that operate for the common good and general welfare of the community. ·      Donations to 501(c)(4)s are not tax-deductible for donors, but... ·      501(c)(4)s can conduct an unlimited amount of lobbying (or legislative) activity, and they can do some partisan work to support or oppose candidates for public office, but that type of activity must remain a secondary activity of the organization. Scenario: ·      If the 501(c)(3) founders wanted to advocate more aggressively for legislative changes that could provide a long-term solution to their community's water access problem, they might consider forming a 501(c)(4). ·      How much political (or partisan) activity could the organization conduct? If a 501(c)(4) decides to engage in any partisan political activity, that must be a secondary purpose of the organization and not the primary purpose. Primary Purpose Activities ·      Issue advocacy and lobbying o   In our scenario, this could include advocacy in front of the local city council or state legislature for reliable access to water. o   It could also include ballot measure advocacy. ·      Nonpartisan voter outreach to get out the vote and mobilize the community ·      Conduct research and educate legislators on issues ·      Engage in litigation to defend the rights of their constituents, and more... Secondary Purpose Activities ·      Candidate endorsements ·      Voter outreach activities using partisan targeting ·      Comparing the organization's stance on issues to where the candidates stand on those issues ·      Encouraging people to vote for candidates from certain political parties or with certain issue positions, and more... ·      When engaging in this type of activity, a 501(c)(4) must make sure that any partisan work remains a secondary purpose, and it must be mindful of and comply with campaign finance and election laws at the federal, state, and local levels. Secondary purpose activity... how much is too much? ·      A 501(c)(4) must maintain a primary purpose that is nonpartisan. ·      Tax lawyers differ on what they think is the ideal primary / secondary purpose split. ·      In order to be cautious, a 501(c)(4) could consider keeping its secondary purpose activities to 40% or less. ·      The IRS has created a safe harbor for organizations applying for 501(c)(4) status: ·       60% or more of its total expenditures (including reasonably allocable overhead) and total time (measured by employee and volunteer hours) is devoted to social welfare activity; and ·       less than 40% of its total expenditures and total time is devoted to political campaign activity. Affiliated Organizations Some things to keep in mind if a 501(c)(3) wants to form an affiliated 501(c)(4): Start-up costs should not come from the (c)(3), but instead should be independently raised for the formation of the (c)(4). Once the 501(c)(4) is formed, it should implement a cost-sharing agreement to ensure that no 501(c)(3) resources are being used to impermissibly subsidize (c)(4) work. It should implement time tracking systems to ensure that staff and volunteers track their 501(c)(3) and 501(c)(4) work separately.   How Would an Existing 501(c)(3) Decide Whether to Form an Affiliated 501(c)(4)? ·      Examine whether your 501(c)(3) public charity is getting close to its lobbying limits, but still wants to do more legislative advocacy. ·      Examine whether there is a need for a more political, and policy focused voice to advocate on your issues and support your communities. ·      Examine whether you want to engage in activities that are prohibited for 501(c)(3)s, but permissible for 501(c)(4)s (support or opposition of candidates) ·      Examine whether you have sufficient financial resources to cover the start-up costs of a 501(c)(4) from sources other than your 501(c)(3), etc.   Resources ·      The Connection: Guide to Creating and Operating 501(c)(3)s, 501(c)(4)s, and Political Organizations ·      Comparison of 501(c)(3) and 501(c)(4) Permissible Activities (Factsheet) ·      Navigating the Gray: Tips for working in coalition when the law isn't clear (Factsheet) ·      Coalition Checklist (Guide)

⚠️ What If Your Ex Declares Financial Hardship After Divorce? | Los Angeles Divorce

The term ROAD means Renewing Opportunity in the American Dream.The act Act became law on July 11 without the President's signature. It passed with enough votes in the Congress and the Senate that there was no possibility of presidential Veto. It is a sprawling piece of legislation containing dozens of provisions covering housing supply, financing, manufactured housing, building codes, environmental review, affordable housing programs and institutional ownership of single-family homes.The Act restricts large institutional investors from purchasing additional single-family homes once they control at least 350 homes, subject to several exceptions. Existing portfolios are not required to be sold, and exceptions remain for newly constructed housing, certain build-to-rent communities, senior housing and other qualifying transactions.This could reduce competition for scattered-site acquisitions from the largest operators. But it may also redirect institutional capital toward purpose-built rental communities, multifamily apartments and financing partnerships with smaller developers.--------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

META's stock surged last week, but investors shouldn't ignore the risks. Meta shares climbed last week as Wall Street became increasingly optimistic about the company's AI strategy. The stock was up about15% for the week and erased the year-to-date losses. Investors are betting that Meta's enormous spending on AI infrastructure, custom chips, top engineering talent, and next-generation models will lead to faster revenue growth, stronger advertising tools, and new revenue streams over the next several years. The market clearly believes Meta has positioned itself as one of the leaders in the AI race. But while investors were celebrating, Europe reminded everyone that even great companies face meaningful risks. The European Commission announced preliminary findings that Facebook and Instagram may violate the Digital Services Act because of what regulators call "addictive design" features, including infinite scrolling, autoplay videos, and recommendation algorithms that encourage users to stay engaged for longer periods. If the findings become final and Meta does not make sufficient changes, the company could face fines of up to 6% of its global annual revenue, along with potential changes to how its platforms operate across Europe. Meta has disputed the findings and says it has already implemented significant protections for younger users. This could amount to a fine of around $12 B, but the bigger problem I see is a potential hit to ad revenue if they must change their business practices. Europe is an important part of their business considering it accounts for about 23% of overall company sales. We also can't forget the legal liability Meta is facing in the United States, which could ultimately total as much as $1.4 trillion. That number may sound shocking, but it stems from multiple lawsuits brought by numerous states and plaintiffs. The first major cases are scheduled to go to trial in August, with California, Colorado, New Jersey, and Kentucky leading the way. The lawsuits allege deceptive business practices, and potential penalties range from $2,000 to $20,000 per violation. Given Meta's massive user base, those fines could accumulate rapidly if the courts rule against the company. Beyond civil penalties, the states are also seeking disgorgement of profits, which would require Meta to surrender profits earned from the alleged misconduct during the relevant period. If Meta performs poorly in these initial cases, another 25 states have similar lawsuits waiting in the wings, significantly increasing the company's legal exposure. There are already signs that these legal challenges carry real financial risk. New Mexico recently won a $375 million judgment against Meta, and a separate federal trial is scheduled to begin early next year. The AI opportunity is also far from guaranteed. Today, investors are rewarding companies that appear to be winning the AI race, but the competitive landscape is becoming more crowded every quarter. OpenAI, Anthropic, Google, Microsoft, xAI, and others are investing billions of dollars to develop better models and attract developers. Meta has responded aggressively by spending heavily on infrastructure and recruiting top AI researchers, but there is no guarantee those investments will generate returns that justify the enormous capital being deployed. A big problem is today's leader in AI can quickly become tomorrow's follower if innovation slows. I also believe that all of these companies will not succeed in this space, which will mean enormous amounts of wasted capital for the losers. Wall Street seemed to be focused almost entirely on Meta's AI upside last week, and that optimism may continue to drive the stock higher. But investors should remember that valuation is increasingly dependent on AI execution while regulatory scrutiny remains elevated. If AI spending fails to produce the expected returns or regulators force changes that weaken engagement, today's bullish narrative could change quickly. Meta remains one of the strongest companies in technology, but even great businesses are not risk-free. As investors, it's important to weigh both the opportunities and the risks, not just the headlines driving the stock higher today.   The spring home sales season disappointed in June The spring home-selling season ended on a disappointing note. Through May, existing home sales had been showing signs of improvement, and many real estate professionals were becoming more optimistic about the housing market. However, June's data told a different story. The conflict involving Iran contributed to higher inflation expectations and pushed mortgage rates higher, weighing on buyer demand. Existing home sales fell 2.4% in June to a seasonally adjusted annual rate of 4.09 million homes, well below economists' expectations for a 0.7% increase. Despite the monthly decline, the longer-term trend remains somewhat more encouraging. Existing home sales were still up 2.8% compared with a year ago, suggesting that underlying demand has not disappeared. There continues to be pent-up demand from prospective buyers, but many seem unwilling to make such a large financial commitment while borrowing costs remain elevated, even as housing inventory continues to improve According to Freddie Mac, the average 30-year fixed mortgage rate was 6.43% last week. If mortgage rates remain near these levels, many prospective homebuyers may continue to delay their purchases, preventing a stronger recovery in the housing market.   Another Hidden Cost of AI: Steel Most people know that the AI buildout has driven up demand for advanced computer chips, contributing to higher prices for smartphones, laptops, and other electronics. They also know that AI data centers require enormous amounts of electricity, putting upward pressure on utility rates as more power is diverted to support AI infrastructure. But there's another cost that receives far less attention: steel. Steel is a critical component of every data center. Industry estimates suggest that new data centers will consume roughly 1 million tons of steel annually, representing approximately $1.4 billion in demand. Steel is used throughout these facilities from the structural columns, roof joists, and roof decking to the server racks that house thousands of AI processors. This growing demand has ripple effects throughout the economy. Higher steel demand can contribute to increased costs for automobiles, household appliances, commercial buildings, bridges, and countless other products that rely on steel. The impact doesn't stop there. Steel production is one of the most energy-intensive manufacturing processes. A single electric furnace steel mill can consume anywhere from around 50 to 200 megawatts of electricity per day, competing for the same power resources as AI data centers. As both industries demand more electricity, utilities face increasing pressure to expand generating capacity. Ultimately, who pays for that increased demand? The answer is often the consumer. Higher electricity demand can translate into higher utility bills for households and businesses as utilities invest in additional generation and transmission infrastructure. In regions where electricity supply is already tight, the competition for power is becoming even more apparent. For example, PJM Interconnection, the nation's largest regional transmission organization, plans to begin conducting supplemental power auctions with electricity generators in September to help secure additional supply. Auctions reward the highest bidders, meaning electricity increasingly flows to those willing to pay the most. As large industrial users and AI data centers bid aggressively for power, consumers could face higher electricity prices if supply fails to keep pace with demand. AI will likely bring enormous productivity gains and economic benefits over the long run. However, it is also creating secondary inflationary pressures that extend well beyond semiconductors. Steel, electricity, construction materials, and other critical inputs are all experiencing increased demand, and those costs eventually work their way through the economy. As the AI revolution accelerates, these indirect costs are likely to become an increasingly important part of the inflation story.   Inflation Is Cooling... But Don't Pop the Champagne Yet The latest CPI report was another encouraging sign that inflation is moving in the right direction. Headline CPI declined 0.4% in June, marking the largest monthly drop since 2020, while the annual inflation rate slowed to 3.5% from 4.2% in May. Core inflation, which excludes food and energy, was flat on the month and eased to 2.6% year over year. Much of the improvement was driven by a sharp decline in gasoline and broader energy prices. While this is welcome news, I'd caution against declaring victory over inflation. One of the biggest challenges with inflation is that it doesn't always show up in the headline numbers immediately. It often works its way through the economy in waves, especially when it comes to energy. A good example is my own pool service. My pool guy recently raised his prices, likely for two reasons: higher chemical costs and the increased cost of driving from house to house. Those are both directly tied to energy markets. Even if gasoline prices temporarily fall and help bring down CPI for a month, businesses often adjust prices more slowly because they have to account for prior cost increases and the uncertainty of where energy prices are headed next. That's why I think investors should remain cautious. The recent improvement in inflation was helped significantly by lower oil and gasoline prices following a temporary easing in geopolitical tensions. But with conflict in the Middle East once again threatening energy supplies and oil prices recently moving higher, that relief could prove short-lived. The trend is encouraging, and the Federal Reserve will certainly welcome softer inflation data. But as long as energy prices remain vulnerable to geopolitical events, inflation is likely to remain unpredictable. Businesses from manufacturers to small local service providers will likely continue to pass along higher input costs whenever they have to. One softer CPI report is good news. But sustained price stability will likely require a concrete outcome in the Middle East and more stability in the energy market. While again we welcome the positive news in this CPI report, the conversation around in inflation and what to do with interest rates will continue with the ongoing developments in Iran.   Higher Gas Prices Aren't Stopping the American Consumer If you were looking for evidence that higher gas prices are slowing down the American consumer, the latest retail sales report doesn't provide much support. The headline number was relatively modest, with retail and food services sales increasing 0.2% from May. But the year-over-year numbers tell a much stronger story. Total retail and food services sales were up 6.7% from June of last year. Even if you exclude gas stations, which saw an increase of 19.8%, retail sales still grew at an impressive rate of 5.7%. More importantly, when you look across the major spending categories, not a single major category declined year over year. Furniture and home furnishing stores was the only major category that was flat compared to last year, but again it wasn't negative! Some of the strongest performers included non-store retailers, which primarily includes online shopping, increased 14.2%. Electronics and appliance stores were up 8.6%, while clothing and clothing accessories increased by 4.8%. Building materials and garden equipment stores were up 3.5% One of the more interesting data points is that Americans are still spending money at restaurants and bars. Food services and drinking places were up 3.8% year over year, showing that consumers continue to spend on experiences and dining out despite higher costs and concerns about the economy. The big takeaway is that the consumer remains remarkably resilient. Yes, higher gas prices can eventually put pressure on household budgets. But so far, consumers have continued to spend across virtually every major category. The year-over-year numbers show broad-based growth, not just spending concentrated in one or two areas. The consumer may be under pressure, but they are clearly not out of the game yet.   Financial Planning: What's Next for Social Security The Social Security Trustees' most recent solvency report highlights the need for Congress to address the program's long-term funding shortfall. Under current projections, the retirement trust fund is expected to be depleted in 2032, at which point ongoing payroll tax revenue would be sufficient to pay only about 78% of scheduled benefits unless legislative changes are made. Importantly, this does not mean Social Security will become insolvent or stop paying benefits, it means benefits would be reduced if Congress takes no action. While no specific legislation has emerged, many policy experts expect Congress to adopt a combination of gradual reforms rather than a single sweeping change. Potential solutions include increasing the Social Security payroll tax rate from 6.2%, raising or eliminating the taxable wage cap from $184,500, increasing the full retirement age from 67 for younger workers, and slowing future benefit growth for higher-income retirees. Historically, when Congress has made changes to Social Security, it has phased them in over many years, and most proposals would leave current retirees and those approaching retirement largely unaffected. As a result, individuals already receiving benefits or those within roughly the next decade of retirement are generally expected to experience little or no change, with the majority of reforms likely to apply to younger generations who have more time to prepare.   Companies Discussed: Nike, Inc. (Ticker: NKE)  

Morning Mantra: "You can spend your whole life avoiding embarrassment and accidentally avoid joy too."Embarrassment is caused by putting far too much thought into what other people think very little about.It's better to not care what people think and live life to the fullest rather than missing out and being someone you aren't.  Because sometimes embarrassment is the cost of entry to an amazing adventure.The people actually enjoying life are allowing themselves to be excited, emotional, passionate, invested in joy. Existing like you're too cool to care about anything is such a dull way to experience being alive.Sometimes the greatest things about life are the most embarrassing! They offer things that no other moment can.  And many times we look back and realize that those moments were the funniest, most exciting, most joy – filled moments in our lives.So stop overthinking it and wear the bathing suit to the beach and swim with your kids or grandkids, dance even when people are watching, play the game at the party, try something new! Hopefully you will realize how rarely people actually care about what you do. Don't  give up the opportunities for happiness that life offers.#BeOkWithEmbarassing #BeHappy #BeHorsey #BeHippie #HorseHippie #MorningMantra #WordsToInspire #InspirationalQuotes #SmallBusinessOwner #WomenOwned #HorseHippieBoutique #MorningMotivation #Equestrian #HorseLover #QuotesToInspire #HorseHippieBoutique

Thomas Arnett is Senior Research Fellow at the Clayton Christensen Institute, focused on disruptive innovation in education. He is author of research on "What actually determines AI's impact on humanity". Thomas discusses how disruptive innovation transforms established systems and describes the incentives, governance, and business models shaping AI development. He explores how AI is changing the 'game' of work and education and that we must shift from traditional models as AI exposes their limitations. Thomas explains the need for curiosity and adaptable skills-based learning as career pathways change.     KEY TAKEAWAYS  [01:04] Fascinated by how the world works, Thomas studies economics.   [01:53] Teaching middle school convinces Thomas that much of today's education system is outdated.  [02:55] Thomas pursues graduate school to explore how to reinvent education.  [03:38] The Christensen Institute gives Thomas a framework for understanding disruptive innovation.  [04:48] Established systems are usually optimized to solve yesterday's problems rather than tomorrow's.  [06:23] Disruptive innovation positive side effects making scarce solutions more abundant and available.  [06:55] School systems face the innovators' dilemma as entities struggling to adopt new innovations.  [08:26] Disruptive innovation frequently starts with inferior solutions to mainstream alternatives.  [08:54] Disruptive innovations initially often serve overlooked users before improving and reaching mainstream audiences.  [10:27] AI represents a technology capable of fundamentally changing how education creates value.  [10:56] AI has created a new game to play while education systems teach how to succeed at the old game.  [11:33] School is an artificial game where AI can help students succeed at school assignments while undermining the assignments' purpose.  [12:16] Assessments need rethinking because AI changes what knowledge and capabilities matter.  [14:17] AI companies' missions and their business models often drive them in different directions.  [15:30] Investors, governance, and customer markets increasingly influence how AI products evolve.  [16:33] Understanding incentives provides better insights into AI's future than reviewing technical capabilities.  [18:02] The business models behind AI shape which applications receive the greatest investment.  [18:26] Factors tempering AI companies' 'arms race' as feedback and safety issues influence decisions.  [21:24] Thomas is optimistic about young people considering their reservations about AI.  [22:29] Learning should focus more on critical thinking, developing judgment, and problem-solving.  [23:02] Thomas stresses learning how to uncover nuances to succeed in the era of AI.  [25:49] AI's cost efficiencies and capability expansion is generating more entrepreneurship possibilities.  [29:06] AI's language interface adapts to us, rather than humans having to learn a new tech interface.  [29:53] Many human roles were previously needed to deal with messy tech-human interfaces.   [31:22] New entrants can adapt faster with new interfaces, fitting the organisation, designed AI-first.  [33:49] Shifting to tax capital not labour as one possible solution to improve labour market dynamics.  [34:44] Thomas suggests new modes of financing ventures as community-based capital.  [37:24] Existing examples of Universal Basic Income – upsides and downsides are inevitable.  [38:34] Recognising how financial security affects people's career decisions and viable opportunities.  [39:09] School experiences must evolve as they determine students' ability to succeed in the workplace.    [27:35] AI lowers barriers for individuals wanting to create value independently.  [31:05] Defined career ladders are evolving into more fluid and adaptable pathways.  [34:00] The future belongs to people who identify worthwhile problems before searching for solutions.  [40:30] Education must prepare people to navigate uncertainty not just master established knowledge.  [44:10] Human curiosity becomes increasingly valuable as AI can handle more routine cognitive work.  [48:25] Career success will increasingly depend on adaptability.  [53:15] Solving meaningful problems creates more lasting value than completing prescribed tasks.  [59:50] IMMEDIATE ACTION TIP: Focus on understanding the problems that need solving and cultivate the curiosity to keep learning and creating solutions throughout your career.      RESOURCES  Thomas's research publication "What actually determines AI's impact on humanity".  Thomas's article       QUOTES    "School is an artificial game... we've constructed this game and now we've got this technology that helps you win at the game but actually lose at the purpose of the game."    "Most of the AI getting used in schools today is... not rethinking the assumptions of how school works, it's just using it to try and enhance the way the school system has always worked."    "Don't just look at what AI can do. Look at the incentives driving the companies building it."    "If you want to see where these [AI] companies are going, look at their governance structures, look at who their investors are, look at what customer base they're trying to target."    "As long as you maintain that curiosity for understanding those problems and a desire to try and solve them, I think that is a mindset that is going to serve people well."    "Systems get designed to solve certain problems and they get really good at doing the things they were designed to do, but not very good at doing things that are radically different from what they're originally designed to do." 

Making music in the age of streaming, AI, and the content treadmill is harder and easier than ever. But that's not the point at all, is it?Making a record, something you truly give your all to, is timeless and precious, but it's easy to lose yourself in it or break your momentum within it.I don't have a perfect answer, but I do know music is like the tide. It's comes it with force, retreats to develop, then returns again. The key is catching the wave and riding it as far as it goes.For 30% off your first year with DistroKid to share your music with the world click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DistroKid.com/vip/lovemusicmore⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

From 07/13 Hour 3: The Sports Junkies continue to break down Conor McGregor's knee injury and debate it was pre-existing.

In this deeply informative conversation, Ryan Cartlidge is joined by Dot Baisly—the Executive Director for the International Association of Animal Behaviour Consultants (IAABC). With an extensive background in shelter behavior, veterinary medicine, and private consulting, Dot brings a wealth of experience to the table, having previously led behavior programs at major organizations like the North East Animal Shelter and the Animal Rescue League of Boston. Dot holds a Master's Degree in Animal Behaviour from Tufts University and is a Certified Dog Behaviour Consultant, Certified Cat Behaviour Consultant, and Certified Shelter Behaviour Specialist. Together, Ryan and Dot dive into the topic of the Joint Standards of Practice (JSOP), a collaborative initiative aimed at creating a standardized, ethical framework for behavior professionals in an industry that remains largely unregulated. Dot provides much-needed clarity on the structure of the JSOP coalition—explaining the roles of the Steering Committee versus the signatory organizations—and details the massive effort involved in updating the document. She shares the story of how the JSOP recently evolved from a brief, Lima-based guideline into a comprehensive document that now incorporates the five domains of animal welfare and explicitly addresses procedure selection. The conversation highlights why these standards are essential for the future of the industry, moving beyond simple "effectiveness" to ensure that the intervention itself supports the mental and physical well-being of the animal. They discuss the importance of moving toward a recognized profession where practitioners are held accountable, and how collaboration—rather than competition—among certifying and educational bodies is the key to creating a unified, ethical voice. Ryan also announces that the Animal Training Academy has officially become a signatory of the JSOP, reflecting a shared mission to empower professionals with high standards of care. Throughout this episode, we discuss: ✅ The role of the IAABC as a global trade organization and independent certifying body ✅ Defining the Joint Standards of Practice (JSOP) and why it serves as the minimum standard of care ✅ The structure of the JSOP coalition, including the Steering Committee and signatory organizations ✅ The transition from a Lima-based framework to a more comprehensive, science-backed standard ✅ Why self-regulation is a vital step toward professional legitimacy and ethical behavior change ✅ The difference between "assent" and "consent" in supporting learner well-being ✅ How professional standards protect both the animal and the practitioner from burnout ✅ The importance of industry-wide collaboration in raising the bar for animal welfare Whether you are a seasoned consultant or a professional just starting your career, this episode provides a clear roadmap for understanding the ethical foundations of our industry and why participating in standardized, collaborative frameworks is a "no-brainer" for those committed to the highest level of animal care. JSOP Signatories 1) Steering committee APDT IAABC IAABC Foundation Karen Pryor Academy (KPA) 2) Existing signatories Victoria Stilwell Inc. (VSI) Assistance Dogs International (ADI) Grisha Stewart Academy Science Matters Academy Understand Horses 3) Newest signatories Peaceable Paws Malena DeMartini Atlas Assistance Dogs Carefree Companion Academy of Pet Careers  Animal Training Academy Canine Behavior College Good Dog Academy Phenix Advocacy Center for R+ Canine Professionals Links JSOP: https://iaabc.org/standards-of-practice Email director@iaabc.org 

Here's a question that makes almost every Australian a bit uncomfortable if they're honest with themselves.   Do you actually want housing to become more affordable, or do you just want it to become more affordable for your kids while your own home keeps growing in value?   That tension sits underneath almost every conversation about housing affordability in this country, and it's rarely spoken about directly.   By the end of this episode, you'll understand why affordability isn't really one problem but several problems wearing the same name, why a property crash wouldn't actually solve anything, and why the real path forward for Australia is a much slower and more deliberate one than most people expect.   In this episode I'm speaking with Simon Kuestenmacher, and we unpack why housing affordability is more complex than the headlines suggest.   We explore why affordability isn't one problem, but several issues hiding under the same label.   We discuss how a property crash would not fix the structural pressures driving Australia's housing debate.   We look at the tension between wanting cheaper homes for the next generation and preserving wealth in existing property.   We also examine why slower, more deliberate change is the only realistic path forward for Australia's housing future.   Takeaways   • Housing affordability includes income, supply, migration, and policy pressures all at once. • Rising property values can create wealth for owners while worsening access for first-home buyers. • A property crash would damage confidence, savings, and household balance sheets broadly. • Slow housing reform helps avoid panic while still improving long-term market stability. • Population growth continues to pressure demand even when new supply is expanding. • Affordability debates often mix emotional arguments with very different economic realities. • Existing homeowners may support change for others while resisting value declines themselves. • Demographic shifts strongly influence where demand grows across cities and regions. • Short-term headlines can distract investors from structural trends shaping future property performance. • Better decisions come from understanding trade-offs rather than chasing simplistic housing slogans.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time? •        Every entry receives a copy of a fully updated Michael Yardney Property Report.   Michael Yardney – Subscribe to my Property Update newsletter her     Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au      Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.   The Michael Yardney Podcast dives into: • Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning   If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.   Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

The AgNet News Hour welcomed former National Cattlemen's Beef Association President Kevin Kester for a wide-ranging discussion on some of the biggest issues facing the U.S. cattle industry, including New World screwworm, wolf depredation, historically low cattle inventories, and new USDA assistance for beef processors. Kester, a fifth-generation California rancher from Parkfield, said rebuilding the nation's cattle herd will take time. With U.S. cattle numbers sitting at their lowest levels in decades, he expects meaningful expansion to remain several years away. "Just by Mother Nature and the biology of a beef animal, we're probably at least three years out, and five years could be very possible before we start building up numbers," Kester said. The conversation also focused on the continued threat posed by New World screwworm. Kester emphasized that while the parasite presents a significant challenge for livestock producers, it is not a food safety issue for consumers. He explained that USDA, working alongside the State of Texas, is investing heavily in eradication efforts through sterile fly production. Existing facilities in Panama and Mexico are already releasing approximately 100 million sterile flies each week, while a new USDA production facility under construction in South Texas is expected to dramatically expand that capacity. Kester said researchers are also making progress on genetic technologies that could make future sterile fly production even more efficient. Another major concern for Western ranchers remains wolf depredation. While federal officials are pursuing actions that could remove Endangered Species Act protections for gray wolves, Kester noted California producers continue to face challenges under the state's endangered species protections. He said ranchers continue experiencing livestock losses while compensation remains limited. "We still have the state listing, so that does not really solve the issue for those of us here in California," Kester said. The interview also covered USDA's recently announced Supporting Processor Investment in Rural America (SPUR) Program, which will provide up to $500 million in temporary assistance for small and mid-sized beef processors. Kester explained that while larger packing companies have the financial resources to weather the current cattle shortage, many smaller processors are struggling with reduced throughput as national cattle supplies remain tight. The federal funding, he said, is intended to help those facilities remain operational until cattle inventories begin recovering in the coming years. The discussion continues in Part Two, where Kester addresses beef imports, international trade, and the long-term outlook for the U.S. cattle industry. Listen to the full interview below or on your favorite podcast app.

Originally uploaded July 3rd, reloaded July 13th. Jeffrey Mosher welcomes Paul Moore, Director, Start Garden, Grand Rapids, MI. Welcome Paul, remind us about Start Garden and your "The 100"? 'The 100' has traditionally focused on early-stage startup ideas. What prompted Start Garden to redesign the competition to serve businesses at multiple stages of growth and connect them with different types of capital? This year's program brings together lenders, investors, grant makers, and corporate partners under one umbrella. How does that broader funding ecosystem create more opportunities for Michigan entrepreneurs? The competition now centers on an entrepreneurial “sprint” tied to a specific business milestone. Why is that approach valuable, and what kinds of measurable results are you hoping participants will achieve? Existing businesses are now a major part of the program, not just startups. How does this change expand the impact of The 100 for established companies looking to grow, hire, or scale operations? With more than $500,000 in potential funding opportunities, live funding announcements at Demo Day, and strong participation from underrepresented entrepreneurs, what role do you see The 100 playing in strengthening West Michigan's broader business and innovation economy? » Visit MBN website: www.michiganbusinessnetwork.com/ » Watch MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ Start Garden reimagines annual entrepreneur competition by adding funding partners, expanding reach beyond startups and boosting funding opportunities to more than $500,000 Applications opened June 1 for a revamped 100 with a bigger pipeline for business owners and capital providers and a new format (GRAND RAPIDS, MI) — Start Garden today announced a major evolution of The 100, its eight-year-old annual entrepreneur competition that has connected more than 800 Michigan founders with funding and community resources. For the first time, the organization is bringing together multiple capital providers to fund multiple types of businesses at different stages, a shift from the event's historical focus on new business ideas. With the addition of external partners, The 100 will up its funding opportunities to more than $500,000, introduce a "sprint" process, and expand the people giving out money at the culminating event, Demo Day. Joining Start Garden in the new iteration of The 100 is what the organization calls Capital Partners that will help support up to $500,000 in corporate contracts, loans, shared revenue agreements, venture capital, and, as before, small catalytic grants to entrepreneurs at every stage. The 2026 Capital Partners include: GROW (small business loans) Opportunity Ventures (shared revenue agreements) Union Heritage (venture capital) Meijer (first-customer contracts for food and consumer product companies) Start Garden (grants) Applications for The 100 open June 1 at 100.startgarden.com. The application is still as simple as recording a 100-second video, but now includes a brief explanation about what stage the business is at. Start Garden will also host three community pop-up events this summer, where entrepreneurs can submit pitches in person with assistance. 2026 Key Dates June 1 — Applications open at 100.startgarden.com July 12 — Submissions close (11:59 PM) July 21 — 100 semi-finalists announced August 7–9 — Mandatory Bootcamp at Start Garden, Grand Rapids August 10 — 50 finalists announced, sprint begins October 8 — Sprint ends, Executive Summaries due October 22 — Demo Day at Start Garden, Grand Rapids # # #

Headline: AI Productivity vs. Headcount in the Small Business Sector Guest: Gene Marks Marks argues that AI is not replacing workers but rather increasing productivity for existing staff. He highlights innovative applications like the "AI Shop Advisor" at The Vitamin Shoppe and automated inventory management tools like Zenput. Small businesses continue to face a shortage of labor. (12)

On today's episode, Editor in Chief Sarah Wheeler talks to Lead Analyst Logan Mohtashami about existing home sales, which shows home prices have reached an all-time high. Related to this episode: Existing home sales decline in June as prices reach another record high HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire The Top 5: Synergy One to take over Newrez distributed retail mortgage operations Why aren't mortgage rates lower? Why it will be hard to get mortgage rates over 7% CFPB seeks input on mortgage disclosures and TRID rules NYC office conversions face scrutiny after Pfizer HQ incident Want more from Sarah? Don't forget to subscribe! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

⭐ INTERESTED IN FRANCHISE OWNERSHIP? Schedule a call with one of our coaches today!  https://www.francoach.net/ 

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Welcome to the What's Next! Podcast with Tiffani Bova. I'm thrilled to welcome you back to a series I did with my dear friend, Roger Martin. He's the author of the amazing book, Playing to Win. In our tenth episode, Roger Martin interviews me about my book, Growth IQ.    THIS EPISODE IS PERFECT FOR…leaders looking to accelerate growth, make better strategic choices, and connect strategy with execution.   TODAY'S MAIN MESSAGE…many organizations approach growth as if there's a single initiative that will unlock results. Roger and Tiffani challenge that idea, arguing that sustainable growth comes from understanding all of the options available and making deliberate choices about which ones to pursue. They discuss the ten growth pathways Growth IQ was built around, how leaders can combine those pathways for greater impact, and why context and sequencing matter just as much as the choices themselves.   KEY TAKEAWAYS: Growth is rarely driven by a single initiative. Strong strategies come from making deliberate choices. Combining growth pathways creates greater impact than pursuing one in isolation. Existing customers are often the biggest growth opportunity. Sales execution and strategy must be developed together.   WHAT I LOVE MOST…Roger's reminder that you can't make decisions about categories you don't know exist. The more complete your view of the options available, the better your strategic choices become.   Running Time: 34:09   Subscribe on iTunes     Find Tiffani Online: LinkedIn Facebook X    Find Roger Online: LinkedIn Website

From co-managing the Odwalla IPO at Van Kasper & Company to raising $100 million with Lehman Brothers for a Pacific Northwest workers comp captive when insurance was unavailable at any price, David Horwich shares why thinking like a buyer, understanding the three ways to grow a business, and building optionality matter more than chasing any specific exit. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with David Horwich, the founder of Horwich Strategic Advisors (HSA) in Los Angeles. David spent 13 years at Van Kasper & Company before its 1999 sale, retired from banking in 2010, and spent nearly nine years at GHJ before spinning out his own firm about a year ago. Across his four decade career he has been exposed to somewhere between 5,000 and 5,500 companies. WHAT YOU'LL LEARN: Why running a market check with five investment banking firms and five private equity groups produces a real world valuation, how the three ways to grow apply to almost any company, and why selling new stuff to existing customers is by far the easiest path. David also shares how the workers comp captive he raised $100 million for is still operating today. DAVID'S JOURNEY: After economics at UC San Diego and an MBA at Berkeley, David spent five years at a transportation equipment leasing business in San Francisco. He then joined Bruce Emeluth as the first hire at Van Kasper & Company, where he stayed 13 years and chaired the firm's fairness opinion committee. Van Kasper was sold in 1999 to a bank out of Salt Lake City that Wells Fargo later acquired, making the group the first incarnation of Wells Fargo Securities in the fall of 2000. David left in 2003, retired from banking in 2010, spent nearly nine years at GHJ, and spun out Horwich Strategic Advisors about a year ago. KEY INSIGHTS: Not all revenue is created equal. Repeatable revenue beats one-off revenue. Higher margin beats lower margin. Revenue that requires no working capital beats revenue that ties it up. Most owners street fight for the next million dollars of revenue without asking whether it is good revenue or bad. There are three ways to grow a business and the second is easiest by far. Sell what you have to more customers. Sell new stuff to existing customers. Sell new stuff to new customers. David is emphatic that you should almost never attempt the third. Existing customers have already crossed the Rubicon with you, so every cost is lower. Build optionality before you build an exit plan. Before running any analysis for owners unsure what to do, David sends them to their investment advisor to get their financial goals clear first. Then he outlines every alternative. Keep it. Sell it. Recapitalize it. Gift some but not all. The toolkit is small, but choosing well requires clarity first. Perfect for privately held business owners who want to know what their company is actually worth, entrepreneurs weighing whether to buy or build, and leaders in a transition moment who need optionality before an exit. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/davidhorwich FOR MORE ON DAVID HORWICH: Website: https://horwichadvisors.com LinkedIn: https://www.linkedin.com/in/david-horwich-9317b56/ FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00:00] - Introduction and overview [00:02:42] - Chairman's bag carrier and the waste coal project in Hardin, Montana[00:06:22] - Joining Bruce Emeluth as first hire at Van Kasper & Company [00:11:52] - The Odwalla IPO at $8 a share and the E. coli tragedy [00:24:11] - Exposure to somewhere between 5,000 and 5,500 companies [00:35:26] - The market check and the four questions [00:48:00] - The $100 million workers comp captive with Lehman Brothers[00:50:41] - What freedom means to David Guest Bio David Horwich is the founder of Horwich Strategic Advisors (HSA), a Los Angeles based firm focused on maximizing the value of privately held businesses. He runs market checks that produce real world valuations, builds strategic growth plans, and helps owners think like buyers before any transaction. He has been exposed to somewhere between 5,000 and 5,500 companies across his four decade career. After economics at UC San Diego and an MBA at Berkeley, David spent five years at a transportation equipment leasing business in San Francisco before joining Bruce Emeluth as the first hire at Van Kasper & Company, where he stayed 13 years. Van Kasper was sold in 1999 and became the first incarnation of Wells Fargo Securities in the fall of 2000. David retired from banking in 2010, spent nearly nine years at GHJ, and spun out his own practice about a year ago. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 330 - Pete Mohr: Building an exit-ready business and understanding what your company is actually worth Episode 332 - John Martinka: Exit with style, grace, and more money Episode 293 - Sunny Vanderbeck: Long horizon value creation and building businesses that deserve to last Episode 350 - Tom Dillon: Capital strategy, alternative funding sources, and when not to take venture money Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow David Horwich: Website: https://horwichadvisors.com LinkedIn: https://www.linkedin.com/in/david-horwich-9317b56/ Keywords/Tags investment banking, growth consulting, exit planning, market check, three ways to grow a business, think like a buyer, enterprise value, middle market M&A, Van Kasper & Company, Odwalla IPO, private equity, capital raising, business valuation, optionality, strategic growth planning, buy versus build, workers comp captive, privately held businesses, Los Angeles M&A advisor, deal-driven growth

The Dutch producer on flow state, communal music-making and his new album, Music for Existing.Martijn Deijkers, AKA Martyn, has spent close to three decades resisting labels. He grew up in a small Dutch village as a vinyl obsessive, buying his first 7-inch from a store that doubled as a sweet shop, before travelling to London in the mid-'90s to chase jungle and drum & bass. He later became one of the first artists from outside the UK to shape the capital's dubstep scene, fusing it with the Detroit techno and hip-hop of his youth. Since then, he has held a residency at Panorama Bar, started a successful label, 3024, and hosted a long-running monthly jazz show on NTS, Darkest Light.In this Exchange with RA's Performance Content Lead, Tom Gledhill, Deijkers talks about dubplate culture in '90s London, the mentoring programme that's shaped his approach to creativity and his new album, Music for Existing, a collection of jazz-inflected electronics that explores the powerful, communal act of making music together. The LP is out now on 3024. Listen to the episode in full. Hosted on Acast. See acast.com/privacy for more information.

APPLEBLIM, MJ COLE, MR FINGERS + OCTO OCTA lead a packed new music episode of ABSTRACT SCIENCE with hosts JOSHUA P. FERGUSON + HENRY SELF. JOSHUA navigates the edges of modern bass, ambient, dub + downtempo with full set of 2026 selections. HENRY ups the tempo for a far-reaching set of acid, classic house, ambient interludes, techno + a disco send-off. [aired 7 May 2026 on WLUW-Chicago 88.7FM] >JOSHUA P. FERGUSON Placid Angles “Hero” (Canada, Oath, 2026) Appleblim “Solstice Beam” (Neolithic Neon, Sneaker Social Club, 2026) Dharma “Questions” (One Clean Sock EP, R&S, 2026) DHYAN “Swim Up” (Nagoyaka Na Kaze, Wisdom Teeth, 2026) Tristan Arp “Forking Paths” ((re)weave, Kapsela, 2026) Martyn “Heavy Sound” (Music for Existing, 3024, 2026) re:ni & BiggaBush “Heavy Sound” (Bass is the Space, Ilian Tape, 2026) Setting “Ribbon of Moss” (S/T, Thrill Jockey, 2026) Yu Su “Cul De Sac” (Foundry, Short Span, 2026) Appleblim “Warmth” (Liminal Tides, Quiet Details, 2026) Terrain “Barossa Dub” (Scatter EP, Livity Sound, 2026) Mr Fingers “Enceladus 5” (Leev Ur Mynd, Alleviated, 2026) >HENRY SELF MJ Cole & John Glacier “Move Time” (892 Recordings, 2026) Franky Rizardo “Shinjuku” (LTF, 2026) UR “The Final Frontier” (Underground Resistance, 1992) Jam & Spoon “Stella” (Trance Wax Remix) (Trance Wax Five, Trance Wax, 2019) Ana Roxanne “X” (Poem 1, Kranky, 2026) Blarf “Stars Without Light” (Film Scores for Films That Don't Exist, Stones Throw, 2026) Octo Octa “…To the Divinity of Gay Sex” (Sigils for Survival, T4T LUV NRG, 2026) A Certain Ratio “Houses In Motion” (Demo Version 1) (ACR:BOX, Mute, 2019) Robyn “Blow My Mind” (CA7RIEL & Paco Amoroso Version) (Konichiwa/Young, 2026) Prospa & Cloonee “Free Your Mind” (CircoLoco, 2026) Laurent Garnier “Crispy Bacon” (Hilit Kolet Edit) (33 Tours Et Puis S’en Vont, COD3 QR, 2023) Y U QT feat. Jem Cooke “Call My Name” (Technicolour, 2026) Hot Streak “Body Work” (Easy Street, 1983) The post absci radio 1420 – joshua p ferguson + henry self appeared first on abstract science >> future music chicago.

In this episode of A Swift Kick in the Ass, John Curren sits down with Luke Gilbert — founder of Two Degrees North and creator of SmartAgent AI — for a raw, practical conversation about real estate, AI, and what it really takes to build a business instead of a job. Luke breaks down why most agents fail: not because they lack leads, but because they ignore the ones they already have. Existing leads convert 5–7x better than cold prospects, yet most agents never follow up. His AI‑powered CRM, SmartAgent, solves that by automatically nurturing databases and turning forgotten contacts into real opportunities. But this conversation goes way beyond real estate. John and Luke dig into: Why AI is a consumer‑grade leverage tool, not a threat How to use AI as a thought partner, not a task robot The mindset shift from operator → owner Why your limiting stories about time, family, or job security are holding you back How scalable systems create freedom Why "The AI‑Driven Leader" is the book every entrepreneur should read If you're ready to stop playing small, stop hiding behind excuses, and start building something that actually scales — this episode is your wake‑up call. "What's the limiting story you've been telling yourself — and what would your life look like without it? Drop it in the comments."

It's easy to assume slow growth means you need more leads. In reality, many practices already have the patients, technology, and team needed to increase revenue—they just aren't using those resources consistently.  In this episode, I connect with Andrea Watkins, VP of Practice Growth at Studio 3 Marketing, to discuss how stronger systems, better follow-up strategies, and a more intentional patient experience can unlock growth without constantly increasing marketing spend. Sometimes the fastest path to practice growth starts by making better use of what's already in front of you. Stop Treating Every Patient Like a One-Time Visit  Every appointment should move the relationship forward. Whether that means introducing a treatment plan, discussing complementary services, or scheduling the next visit before the patient leaves, each interaction should create a clear next step.  When your med spa practice relies too heavily on individual appointments or a la carte services, you miss opportunities to improve patient outcomes and patient retention. Long-term treatment plans create a better experience for patients while increasing provider confidence, revenue growth, and loyalty over time.  Your Patient List Is One of Your Most Valuable Assets  Many practices spend significant time on lead generation while overlooking patients who already know, like, and trust them. Patient re-engagement campaigns, referral programs, EMR reporting tools, and CRM systems can all help reconnect with patients who are overdue for treatment or ready for their next service.  Build treatment plans instead of one-time services  Re-engage inactive patients through your EMR or CRM  Rebook appointments before patients leave the office  Introduce surgical patients to non-surgical treatments  Use referral programs to encourage patient advocacy  Train every team member to support the patient journey  These small improvements create a stronger patient experience while increasing retention, provider utilization, and long-term revenue. Growth doesn't always require more visibility. Sometimes it requires better visibility into your own database.  Build Systems That Support Accountability  Practice scaling depends on more than great providers. Every member of the team should understand their role in the patient journey, from lead management and scheduling to follow-up and patient education.  Clear expectations, staff training, and defined processes create consistency that benefits both patients and the practice. When responsibilities are shared instead of assumed, it becomes much easier to improve conversion rates, strengthen marketing attribution, and create a patient experience that builds trust.  Sustainable Growth Starts with Better Processes  Healthy practices don't rely on a single marketing campaign or one standout provider to drive results. They build repeatable systems that strengthen every stage of the customer journey—from the first inquiry to patient referrals, ongoing treatment plans, and long-term loyalty.  As your practice grows, those systems become the foundation for expanding locations, increasing revenue, and creating a more valuable business. Strong operations don't just improve today's performance—they make future growth much easier to sustain.  Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon:  Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/  The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here. About Andrea Watkins:   Andrea Watkins is the Vice President of Practice Growth at Studio 3, where she coaches plastic surgery and aesthetics teams on strengthening patient acquisition workflows and optimizing lead management systems to drive measurable growth. She has partnered with more than 100 practices nationwide - helping them capture and analyze lead and conversion data, streamline consultations and booking, and align staff training with business objectives.  Andrea's approach centers on turning data into action: equipping practices to improve patient intake, increase conversion rates, maximize marketing resources, and optimize the patient journey. Known for her directive yet approachable, non-salesy style, she empowers practice leaders and teams to enhance efficiency, boost profitability, and deliver an elevated patient experience in today's competitive market.  Connect with Andrea:  Studio 3 Marketing: https://www.studio3marketing.com/  Lead Loop: https://www.leadloop.io/ 

Welcome to episode 362 of The Cloud Pod, where the weather is always cloudy! Justin, Jonathan, and Matt are in the studio, and this week we've got slightly less AI, but much more data news – a trend Jonathan is sure will continue. Join us as we explore Kubernetes updates, the end of Amazon Mechanical Turk, and the last of the physical media for game consoles, plus more. There's a lot to cover, so let's get started!  Titles we almost went with this week Going Cold Turk-ey Kubernetes Rollbacks Let You Ctrl-Z Your Cluster Answer Engine Optimization Is the New SEO Game Turk-ing Point: Amazon Pulls the Plug Stop Chasing Ephemeral IPs in Your EKS Cluster Firewall Rules That Know Your Pods by Name CloudWatch Pipelines Finally Speaks Fluent OpenTelemetry Sony Discs You, Keeps Your Money Forever  EKS Upgrades Finally Get an Undo Button Azure Embraces Chaos, Calls It Studio Time Mechanical Turk Turns Off The Lights For Good There Was Never Anyone Inside the Box KV Cache Me If You Can on GKE AWS Security Hub Says Hello to Azure, Finally Amazon Cancels the Internet’s Oldest Side Hustle Amazon Prime's Next Delivery: A Pink Slip for the Turk Business as Usual – Azure announces Chaos Studio? Hello sunshine, my old Azure A big thanks to this week's sponsors: We're sponsorless! Want to get your brand, company, or service in front of a very enthusiastic group of cloud news seekers? You've come to the right place! Send us an email or hit us up on our Slack channel for more info. Follow Up  01:36 Amazon's Mechanical Turk to stop accepting new customers – and not  Even AI can save it Amazon is closing Mechanical Turk to new customers, effectively ending the crowdsourced human-labor platform that launched in 2005 and once served as a foundational tool for AI training data labeling. The service predates the current generative AI boom by nearly two decades, originally designed for tasks like image tagging, transcription, and data verification that computers couldn’t handle at the time. Ironically, the rise of AI and large language models has reduced demand for the type of human-in-the-loop micro-tasking Mechanical Turk provided, as automated systems now handle much of that labeling work. Existing customers can reportedly continue using the platform, but the halt on new signups signals that Amazon is deprioritizing the service rather than investing further in it. This closure reflects a broader shift in the AI data pipeline, where synthetic data generation and more sophisticated automated labeling tools are replacing older crowdsourced human-labor marketplaces. 02:14 Justin – “If you ever actually used the service, you’ll know that both the Turks interface that you actually did work, and the setting up the jobs was terrible anyway. It was always very difficult to use, and they never made it easier over the years. So I don’t know if they’ve ever really been investing in it heavily. But it’s definitely been around for a long time.” AI Is Going Great – or How ML Ma

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Episode 15 — You Are Allowed to Take Up SpaceA gentle reminder that you don't need to shrink yourself to be loved. This episode explores the habit of self-erasure, the difference between humility and disappearing, and why the world needs the full, unapologetic version of you.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━SHOW NOTES━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━TIMESTAMPS[00:00] Opening — You are allowed to take up space[01:45] Settling In — Noticing the habit of making yourself smaller[04:00] The Theme Part One — Shrinking doesn't protect you; the tree metaphor[06:30] The Theme Part Two — Humility vs self-erasure; "I don't want to be a burden"[08:30] Breathwork — Breathing in courage, expanding your space[10:15] Affirmations Part One — "I am allowed to take up space"[11:15] Affirmations Part Two — Forgiving yourself for disappearing[12:00] Closing — Carry this with you━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━EPISODE SUMMARYThis episode explores the quiet habit of shrinking ourselves to fit into spaces that were never meant to contain us. Through the metaphor of a tree that never apologizes for its size, we learn that self-erasure disguised as humility still costs us our full lives. You were not put on this earth to be small.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━AFFIRMATIONS• I am allowed to take up space. My presence is a gift, not a burden.• My voice matters. My opinions matter. My feelings matter.• I am not too much. I deserve people who can hold all of me.• I give myself permission to exist fully.• I release the habit of shrinking.• I am worthy of room to grow, make mistakes, and be imperfect.• I forgive myself for all the times I disappeared.• I trust that I am allowed to have needs.• I let go of the belief that I am a burden.• I am brave enough to be seen — the real me.• I honor the space I take up in this world.• I choose to end today with fullness.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━HOSTYour Quiet Moment Host — A warm voice reminding you to slow down and be kind to yourself.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━TOPICS• Self-permission• Existing fully without apology• The habit of shrinking• Humility vs self-erasure• You are not a burden• Taking up space━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━If this episode brought you a moment of peace, share it with someone who needs to hear it. Follow for new episodes and leave a review — it helps more people find their quiet moment.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━DISCLAIMERThis podcast is for informational and entertainment purposes only. It is not a substitute for professional medical, psychological, or therapeutic advice. If you are struggling, please reach out to a qualified professional. You matter.DISCLAIMER

Netflix rewrites beloved characters, Sony walks away from physical media, Westeros delivers, and DC Studios stumbles out of the gate again. This week on the podcast, Brian and Darryl discuss Netflix's handling of Avatar: The Last Airbender Season 2 and why disrespecting beloved characters is becoming one of streaming's biggest problems. They also break down Sony's latest PlayStation decisions and what they mean for the future of physical media and game ownership. Then it's back to Westeros for House of the Dragon Season 3 Episode 2 before wrapping things up with their review of Supergirl (2026) and whether DC Studios has another winner on its hands. Episode Index Intro: 0:07 Playstation Kill Physical Media: 06:07 AtLAB, Netfilx is why we can’t have nice things: 28:20 House of the Dragon: 41:57 Supergirl: 56:27 PlayStation Announces the End of Physical Media Announcement Date: July 1, 2026 Effective Date: January 2028 Company: Sony Interactive Entertainment Summary: Sony announced that beginning in January 2028, all new PlayStation games will be released digitally only, ending production of physical Blu-ray game discs for future releases. Games already released—or scheduled for release before the 2028 cutoff—will continue to be sold on disc, but every new title afterward will require a digital download through the PlayStation Store or participating retailers. Sony says the decision reflects changing consumer habits, noting that digital purchases now account for roughly 80% of full-game sales on PlayStation. Key Details: – Physical discs for new PlayStation releases end in January 2028. – Existing disc-based games will continue to work and remain available while supplies last. – Retailers will transition to selling digital download codes instead of boxed games. – Sony says the move follows overwhelming consumer preference for digital purchases. Why It Matters: – Gamers lose the ability to buy, sell, trade, or lend future PlayStation games. – Collectors will no longer have physical editions for new releases. – Consumers become increasingly tied to Sony's digital storefront and licensing model. – Preservation advocates worry that future games could become inaccessible if licensing changes or digital storefronts eventually close. – Digital-only distribution gives publishers greater pricing control by reducing competition from the used-game market. Discussion Points: – Do you really own a digital game, or are you simply purchasing a revocable license? – What happens to game preservation when no physical copy exists? – Will digital-only distribution lead to higher prices due to reduced retail competition? – Is convenience worth giving up ownership rights? – Does this set the stage for the PlayStation 6 to become a fully digital platform? Industry analysts increasingly believe so. Infamous Take: While digital downloads are undeniably convenient, this announcement marks the end of an era. Physical media has always given players tangible ownership, resale value, and long-term access independent of corporate licensing agreements. Sony's decision may make business sense, but it also shifts even more control away from consumers and toward platform holders; a trend that extends far beyond gaming. Avatar: The Last Airbender (Netflix) Season: 2 Platform: Netflix Summary: Brian and Darryl discuss Netflix's continued adaptation of Avatar: The Last Airbender and why they believe the series is losing sight of what made the original so beloved. The conversation focuses on major character changes, the difference between adaptation and rewriting, and why respecting the heart of the source material matters just as much as updating it for a modern audience. House of the Dragon (HBO Max) Season 3, Episode 2 Title: Queen’s Landing Air Date: June 28, 2026 Director: Clare Kilner Writer: Sara Hess Summary: Following the devastating Battle of the Gullet, Rhaenyra's grief quickly turns into resolve as Team Black moves to seize King's Landing. Alicent secretly conspires to surrender the city in hopes of saving part of her family, while Daemon returns to continue the campaign. The episode marks a major turning point in the Dance of the Dragons as alliances shift, old loyalties collapse, and Rhaenyra finally claims the Iron Throne at tremendous personal cost. Rating out of 5 Otto Not So Hightower Brian: 4.5/5 Darryl: 4.45/5 Supergirl (2026) Release Date: June 26, 2026 Runtime: 108 minutes Director: Craig Gillespie Writer: Ana Nogueira Based On: Supergirl: Woman of Tomorrow by Tom King and Bilquis Evely Studio: DC Studios Distributor: Warner Bros. Pictures Summary: Kara Zor-El embarks on a brutal interstellar journey alongside the young warrior Ruthye Marye Knoll to hunt down the man responsible for murdering Ruthye's family. Along the way, Kara confronts her own trauma while facing the ruthless Krem of the Yellow Hills, resulting in a darker, more cosmic take on the Girl of Steel than previous film adaptations. Main Cast: – Milly Alcock as Kara Zor-El / Supergirl – Eve Ridley as Ruthye Marye Knoll – Matthias Schoenaerts as Krem of the Yellow Hills – Jason Momoa as Lobo – David Krumholtz as Zor-El – Emily Beecham as Alura In-Ze – David Corenswet as Superman (cameo) Production Notes: The second film in DC Studios' new shared universe adapts Tom King's acclaimed Woman of Tomorrow storyline, emphasizing Kara's emotional scars and cosmic adventures over a traditional superhero origin. Despite strong expectations and praise for Milly Alcock's performance, the film opened below box office projections and received mixed critical reception, making it one of the first commercial disappointments of the new DC Universe. Rating out of 10, Temu GotG or Will Poulter’s Supergirl, You Decide Brian: 4.3/10 Darryl: 4/10 Contact Us The Infamous Podcast can be found wherever podcasts are found on the Interwebs, feel free to subscribe and follow along on social media. And don't be shy about helping out the show with a 5-star review on Apple Podcasts to help us move up in the ratings. @infamouspodcast facebook/infamouspodcast instagram/infamouspodcast stitcher Apple Podcasts Spotify Google Play iHeart Radio contact@infamouspodcast.com Our theme music is ‘Skate Beat’ provided by Michael Henry, with additional music provided by Michael Henry. Find more at MeetMichaelHenry.com. The Infamous Podcast is hosted by Brian Tudor and Darryl Jasper, is recorded in Cincinnati, Ohio. The show is produced and edited by Brian Tudor. Subscribe today!

Interprovincial trade within Canada is complicated. Existing barriers mean that many goods, like alcohol, often can't be sold across provincial and territorial lines. Prime Minister Mark Carney has been pushing for ‘one Canadian economy' in the wake of attempts to diversify away from the U.S. Opening up interprovincial alcohol sales, especially direct to consumer sales, have been a litmus test for this vision. But last week, the provinces and territories missed the deadline for an agreement on reducing those barriers. Jason Kirby is a staff reporter for The Globe's Report on Business. He's on the show to walk us through how alcohol sales work in Canada, what the barriers are preventing interprovincial trade and what it means that Canada hasn't been able to resolve this issue. This episode originally aired on June 3, 2026 Questions? Comments? Ideas? Email us at thedecibel@globeandmail.com   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Franchise development is often viewed through the lens of growth—new locations, new markets, and new franchise agreements. While expansion is certainly part of the equation, the most successful franchise systems understand that sustainable growth depends on something far more important: building stronger operators. The strength of any franchise system ultimately comes down to the people running it. A great location in a strong market can still struggle if ownership is disengaged. Likewise, a franchisee operating in a competitive environment can outperform expectations when they embrace the system, invest in their team, and remain actively involved in the business. That reality has become increasingly important as franchise brands seek long-term growth rather than simply increasing unit counts. One of the most common misconceptions about franchise ownership is that it provides a passive path to entrepreneurship. Many prospective owners enter the process believing they can purchase a proven business model, hire a manager, and step away from day-to-day involvement. While some franchise concepts support semi-absentee ownership structures, the most successful operators typically maintain a strong connection to their business, especially during the critical early stages. Successful franchise development begins by identifying candidates who understand that ownership requires engagement. That engagement does not necessarily mean working inside the business every day. Instead, it means understanding the operation, supporting the team, monitoring performance, and maintaining accountability for results. Franchisees who invest time in learning the business often create stronger foundations that support future growth, including multi-unit ownership opportunities. This focus on operator quality has become increasingly important across the franchise industry. As brands continue expanding, many are placing greater emphasis on candidate selection rather than simply increasing the number of franchise agreements signed each year. Financial qualifications remain important, but experience, mindset, leadership ability, and willingness to follow a proven system often play an even larger role in long-term success. The relationship between franchisor and franchisee is also evolving. Historically, some viewed franchising as a one-way arrangement where corporate leadership dictated strategy and operators followed instructions. Modern franchise systems increasingly recognize the value of collaboration. Franchisees often bring local market knowledge, operational insights, and innovative ideas that can benefit the broader system when properly evaluated and implemented. The healthiest franchise systems create structured opportunities for that collaboration to occur. Franchise advisory councils, peer groups, regional meetings, and open communication channels allow operators to contribute feedback while helping brands remain connected to the realities of day-to-day operations. These feedback loops not only strengthen relationships but also help franchise systems adapt to changing market conditions. At the same time, successful franchise development still depends on consistency. Customers choose franchise brands because they expect a familiar experience regardless of location. Whether visiting a restaurant, retail store, fitness center, automotive service provider, or home services company, consumers expect consistency in service, quality, and customer care. That consistency becomes difficult to maintain when operators move too far away from the system. Many franchise brands have experienced situations where owners attempted to introduce products, services, promotions, or operational changes that were never tested or approved. While the intention may have been positive, these changes often create inconsistencies that weaken the overall customer experience. Strong franchise systems encourage innovation while maintaining the standards that helped the brand succeed in the first place. Customer experience remains one of the most powerful growth drivers available to franchise operators. Marketing campaigns, digital advertising, and promotional efforts all play an important role in attracting customers. However, long-term growth is often determined by what happens after a customer walks through the door. Positive experiences create repeat visits, referrals, reviews, and long-term loyalty. Negative experiences can quickly spread through online reviews and social media. For this reason, many successful franchise systems continue investing heavily in operational excellence and customer service training. Businesses that consistently deliver exceptional experiences often outperform competitors, even in crowded markets. Customers may initially choose a company based on convenience or price, but they frequently return because of trust, familiarity, and the way they were treated. This trend is particularly evident in service-based industries. Consumers increasingly value businesses that communicate clearly, respect their time, and create confidence throughout the customer journey. Whether the service involves healthcare, home improvement, financial services, automotive maintenance, or retail, people want to feel valued and informed. The automotive service sector provides a particularly interesting example of these dynamics. Vehicle ownership patterns have changed significantly over the past decade. New vehicle prices have risen substantially, leading many consumers to keep their vehicles longer than previous generations. As a result, routine maintenance and preventative service have become increasingly important for drivers seeking to maximize the lifespan of their vehicles. This creates long-term opportunities for franchise systems operating within the automotive service category. While headlines frequently focus on electric vehicles and emerging technologies, the reality is that the vast majority of vehicles on the road today still require regular maintenance. Even as electric vehicle adoption grows, service providers continue adapting their offerings to meet evolving customer needs while maintaining the convenience and expertise consumers expect. For entrepreneurs evaluating franchise opportunities, this highlights an important lesson. Rather than focusing solely on trends, successful franchise development often involves understanding long-term demand drivers. Categories supported by recurring customer needs, operational simplicity, and strong consumer demand tend to provide more stable growth opportunities over time. Another factor contributing to franchise success is expectation management. Strong franchise systems work to ensure prospective owners understand both the opportunities and responsibilities involved in ownership. Transparency throughout the evaluation process helps candidates make informed decisions while reducing the likelihood of future disappointment or misalignment. This approach benefits everyone involved. Prospective franchisees gain a realistic understanding of what ownership entails. Existing operators benefit from stronger peers joining the system. Franchisors improve long-term retention and performance. Most importantly, customers receive a more consistent experience because operators enter the business with appropriate expectations and preparation. Franchise development ultimately extends far beyond awarding territories and opening locations. The strongest systems focus on creating environments where operators can thrive, teams can grow, and customers receive exceptional service. Growth becomes a byproduct of operational excellence rather than the sole objective. As the franchise industry continues evolving, brands that prioritize operator engagement, customer experience, collaboration, and long-term support will likely remain best positioned for sustainable success. The future of franchise development will not be defined by how many units a brand opens. It will be defined by how effectively those locations perform, how well operators are supported, and how consistently customers are served. Watch the full episode on YouTube. Join Fordify LIVE every Wednesday at 11 a.m. Central on your favorite social platforms and catch The Business Growth Show Podcast every Thursday for a weekly dose of business growth wisdom. About Kelly Tope Kelly Tope is the Vice President of Franchise Development at FullSpeed Automotive, one of the nation's largest automotive service franchise organizations. With more than 30 years of franchising experience, Kelly has helped entrepreneurs evaluate opportunities, identify the right business fit, and build successful operations across multiple industries. Today, she leads franchise development efforts for leading automotive service brands including Grease Monkey and SpeeDee Oil Change & Auto Service, helping prospective franchisees navigate the path to business ownership through proven systems, operational support, and long-term growth strategies. Her expertise spans franchise development, operator recruitment, multi-unit expansion, and creating successful partnerships between franchisors and franchisees. About Ford Saeks Ford Saeks is a Business Growth Accelerator who has generated more than a billion dollars in sales worldwide by helping companies attract loyal customers, increase visibility, and accelerate growth. As President and CEO of Prime Concepts Group, Inc., Ford has founded more than ten companies, authored five books, earned three U.S. patents, and advised businesses ranging from startups to Fortune 500 organizations. A recognized expert in business growth, customer acquisition, leadership, franchising, and AI-driven marketing strategies, Ford helps organizations identify opportunities, improve performance, and achieve sustainable results. Learn more at ProfitRichrResults.com and watch Fordify LIVE at Fordify.tv.

What if a single real estate deal could generate upfront cash, monthly income, and long-term wealth without relying on traditional bank financing? In this episode of Sharkpreneur, Seth Greene interviews Chris Prefontaine, Chairman and Founder of Smart Real Estate Coach®, who shares how he rebuilt after the 2008 real estate crash and developed a creative-financing approach to investing. He explains his Three Paydays system, designed to generate upfront income, monthly cash flow, and long-term wealth from a single property transaction. Chris also discusses owner financing, lease-purchase agreements, subject-to-existing-financing deals, and how business owners can use real estate to build an additional income stream. Key Takeaways:→ One property can generate multiple income streams. → Owner financing can replace traditional lending. → Existing low-rate mortgages can create deal opportunities. → Tight lending drives demand for creative financing. → A few deals can have a meaningful financial impact. Chris Prefontaine is the Chairman and Founder of Smart Real Estate Coach®, a 4x best-selling author, a former Forbes Business Council Member, and a 3-time Inc. 5000 Honoree for Fastest Growing Company. The Smart Real Estate Coach® community operates across North America and has successfully completed hundreds of transactions, helping students do the same. Chris also hosts the Smart Real Estate Coach Podcast, which ranks in the top 0.5% globally. Having navigated major challenges, including the crash of 2008, 9/11, his son's near-death experience, and the impact of COVID, Chris reengineered his entire business to thrive in all economic cycles. Through that experience, he helps students navigate the constantly changing real estate market. Chris, his family, and his team are focused on empowering individuals and families to create the life of their dreams. Chris and his wife, Kim, have been married for more than 39 years and now focus on creating amazing experiences with their family and community members. Connect With Chris:Website: https://smartrealestatecoach.com/Instagram: https://www.instagram.com/chrisprefontaine_/Facebook: https://www.facebook.com/ChrisPrefontaineSmartRealEstateCoach/LinkedIn: https://www.linkedin.com/in/chrisprefontaine/

Making your first 10000 dollars doesn't require an LLC, a business plan, or any startup capital — just skills you already have and the willingness to use them differently. In this episode, Eric Coffie breaks down three real strategies he's personally used to help people generate $5,000 to $10,000 quickly, even with zero business infrastructure in place. If you've ever felt like you don't have enough resources to get started, this episode will show you exactly what's already in your hands. Learn how to package and sell a skill you already have, the same way Eric turned free YouTube content into a $397,000 course launch Discover how documenting a repetitive process, like a government compliance report, can save hundreds of hours and become a sellable asset Watch a live demo of vibe coding an app from scratch using Base44, built in real time during the call Understand why partnering with people who already have customers is the fastest way to generate revenue without building an audience first Get a breakdown of Y Combinator's Fall 2025 "Request for Startups," including AI-powered vocational training and FedRAMP approval automation EPISODE CHAPTERS: 0:00 - Welcome to the GovCon Giants podcast intro 1:22 - Why this episode is for people starting from zero 3:44 - Selling a skill you already know how to do 6:39 - Turning a LinkedIn following into a sellable course 9:31 - Documenting repetitive processes to save companies time 11:57 - Introducing vibe coding with the Base44 platform 15:18 - Partnering with people who already have paying customers 21:33 - Live demo building a late invoice tracking app 26:46 - Reveal of the finished vibe coded invoice app 27:45 - Y Combinator Fall 2025 request for startups breakdown 31:12 - Closing thoughts on using skills to buy back time Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

First-time homebuyers may get short windows of relief, but our co-head of Securitized Products Research James Egan and Senior Economist and Strategist in Morgan Stanley's Private Wealth Management Sarah Wolfe say the bigger story is a housing market resetting around a higher bar to entry.Read more insights from Morgan Stanley.----- Transcript -----James Egan: Welcome to Thoughts on the Market. I'm Jim Egan, Morgan Stanley's U.S. Housing Strategist and Co-Head of Securitized Products Strategy.Sarah Wolfe: And I'm Sarah Wolfe, Senior Economist and Strategist within Morgan Stanley Wealth Management.James Egan: And today, why first-time homebuyers are facing a tougher path to ownership.It's Tuesday, June 23rd at 10am in New York.Buying a first-time home has always been a big step, but for a growing number of first-time buyers today, the goal can really seem insurmountable.Mortgage rates might be down from where they were in the second half of 2023, but they're significantly higher than they were for the several years before that. Monthly payments have roughly doubled for a median-priced home. And my colleague Jay Bacow and I have talked several times on this podcast about how many homeowners feel like they're locked into those lower rates.And they're staying put because they just don't want to give up a two or three-handle mortgage rate for something that has a six in front of it. But Sarah, as we know, this is bigger than just first-time buyers. Now, they often start the housing transaction chain, and when they can't buy, current owners may not be able to sell and trade up.That slows turnover across the market, and it also reduces activity tied to housing – from mortgages and renovations to moving and furniture. And it can keep would-be buyers renting for longer, which adds pressure to rental demand.So, how do you see this situation? Is this just another affordability squeeze, or has the housing market reset to a higher barrier to entry?Sarah Wolfe: I do think that we're on the upper bound of affordability pressures. This is about as bad as it's going to get. But as we discussed in our recent publication of The Economy Explained, unfortunately, we do think that the housing market is resetting at a structurally higher barrier to entry. There's a lot of reasons for that.The first is higher interest rates. Yes, mortgage rates are sitting around 6.5 percent, and they should come down from here, but maybe not better than 5.5 percent, right, in an optimistic scenario. The second is demographic pressures. Remember, we have this tremendous aging population of baby boomers. All of their children are now entering their prime home-buying years, so there's a lot of demand for ownership.The third and fourth ones are land regulation and permitting, which is at the state and local level, really hard to change. And the last one is climate risk. It's just raising insurance pricing and making it much more difficult to buy a home.So overall, we see a world where, yes, mortgage rates come down a bit, improve affordability marginally, but we think neutral and other interest rates at the longer end of the curve are going to be higher than the post-financial crisis period. And what we're going to see is that those forces are going to widen the divide between who can own a home and who cannot. And who gains from that wealth accumulation and who does not.James Egan: Right. So now, you mentioned where mortgage rates are today, above that 6 percent rate. Rates did briefly – in February, we got below 6 percent before they bounced back up here. Why did that short-lived relief matter so much?Sarah Wolfe: I think that short-lived relief showed us that moves in the mortgage rate make a difference, but things are so unaffordable that it didn't make that much of a difference.So, the dip below 6 percent was very exciting. It happened this past February. It was the first time that mortgage rates fell below 6 percent since 2022, and we saw a few things happen. First, it lowered the monthly payment for first-time homebuyers from about two point two thousand dollars a month to one point nine thousand.So makes a bit of a difference. And it lowered the share of income that goes towards monthly mortgage payments from about 26 percent of income to 22 percent, from peak to trough. So, that is a notable improvement. But what we saw in the new home sales data and the existing home sales data, that it did not drive people back into the housing market.I want to turn it back to you though, Jim, because you've actually done a lot of interesting work on this. And how this change in mortgage rates has changed the monthly cost that people have to pay for a median-priced home. Can you tell us a little bit more?James Egan: Sure. So, we talk about the lock-in effect a lot, and it's kind of easy to point to: Well, there are a lot of people with mortgage rates that are around 3 percent or 3.5 percent, and the prevailing rate's at 6 percent, and that's a lot higher, so they're locked in.But when we look at the actual numbers in terms of what we're asking a homeowner to do – to list their home for sale and move to another home today, pay off that existing mortgage, take out a new one. When you take into account how much higher home prices are today…You bought a home in 2016, for instance, right? Let's assume you refinanced in 2020 or 2021 if you still live there, right? Most homeowners did. So, you've actually taken your monthly payment, and it is lower today than it was when you bought your home in 2016. If we assume that your income has risen alongside just median household income over that time period, your monthly payment as a share of your income today is probably sub 8 percent.If you bought over the past three years, your monthly payment is a share of your income. You mentioned some numbers earlier. It's low to mid 20 percent. From a dollar amount perspective, if you were to pay off that 2016 mortgage, as an example, and take out one today, your payment is probably [$]13[00] or $1400 higher. It's like a 200 percent increase. That's very difficult economically for a lot of households, and that's the kind of physical manifestation of that lock-in effect.Now, Sarah, given this significant change in housing math, what does that mean for who is actually able to buy in this market?Sarah Wolfe: It's making who's able to buy into the market a lot more selective. So, what we're seeing is that first-time home buyers today are actually not meaningfully older. They're still about 36 years old, but they are a much more selective group financially. The Federal Reserve Bank of New York put out a great analysis on this recently, and they basically found that the first-time home buyer profile today is taking out a mortgage that's nearly $350,000, compared to $240,000 in 2019 and $200,000, a decade ago. So, significant increase in mortgage balances.At the same time, credit standards have tightened significantly, so that average credit score to get a mortgage has risen quite a bit over the last 5 to 10 years. And what this is doing is it's shifting who can buy and also where they can buy. So, we're seeing higher-quality home buyers moving to lower-income zip codes. So, buying cheaper homes in lower-income metro areas, and so it's wealthier buyers in lower-income areas.And that's the really big shift that we're seeing. It's a demand resorting story. And what we're also seeing, and we hear this a lot when we talk to our financial advisors and their clients, is that family is increasingly helping their other family members put that down payment down; in particular, parents helping their children buy that first home.So, we're seeing that first-time buyers may be feeling this pressure, right, when it comes to rates. How much of this affordability issue, though, is being driven by the locked-in effect specifically?James Egan: So, look, it's clearly playing a role. We just talked about some of the math behind that. But then when you look at what that means on a nationwide basis when it comes to inventory, when it comes to so many other aspects of this, that homeowner who's unwilling to give up that lower mortgage rate, that lower payment, right, their homes are off the market.Existing inventories for sale, they've picked up from historic lows in 2023, but they're still very, very low on a long-run basis. The fewer homes there are for sale, the more upward pressure or the absence of downward pressure that's going to put on home prices, right?We saw affordability plummet in 2022 and 2023 when rates backed up. We saw existing home sales really, really come down as a result. But home prices remained at record highs. They continued to set new record highs. For home prices to actually come down, right, you need people who are willing to sell at lower home prices.Sarah, you just mentioned that lending standards themselves remain tight.Sarah Wolfe: Mm-hmm.James Egan: Those forced sales, those tend to be distressed transactions. We don't see that distress in the market providing the inventory and the motivated inventory to lead to softer home prices. So, it's really that lack of inventory which we think is in large part driven by the lock-in effect that's kept home prices. And as a result, that piece of the affordability equation kind of stuck at these higher levels.Sarah Wolfe: I mean, it's really this vicious cycle, the locked-in effect making it difficult for entry-level buyers to get into the market – and then fewer existing homeowners sell or trade up or relocate. So, on and on it goes.Are there broader implications of this freeze?James Egan: Right. So, we just talked about what that means from an inventory perspective. And then if you think about affordability remaining challenged, lending standards themselves remaining tight, inventory remaining as low as it is, you could argue that we're at one of the more difficult times that we've seen for renters to exit rentership and step into homeownership.Now, there's a lot of different things that drive rent growth, and the fact that you have a stuck renter is just one of them. The other side of that equation can be the supply of rental units, right? So that's just a piece of the equation.But those are some of the externalities that we think about when it comes to how the tightness of the housing market – what the lock-in effect and what affordability is doing there. But outside of the housing market, Sarah, the wider economy, like how do these housing costs play a role there?Sarah Wolfe: Massive effect. Some of the work that we've done shows that housing affordability is the number one driver pushing down fertility rates in America. The number one driver. Above childcare costs, above finding a partner, finding a good job. It's housing affordability. So, you could see how that could pretty significantly ripple through the broader economy.But there's other components, right? So, as we discussed earlier, it's driving migration from unaffordable areas to more affordable regions. That has significant implications. And then putting my consumer economist hat on, as we discussed earlier in the podcast, when people buy a home, they tie themselves to that home. They spend money on couches, on beds, on TVs, right? Durable goods. And if we're going to have more people as renters for longer, that's going to expand the services economy at the expense of the goods economy.All right. Let's take a step back and think about where this is all going. It hasn't been a very optimistic conversation. Jim, what is the outlook for affordability in your view? Do we get anywhere back to the post-financial crisis period or even the pre-financial crisis period?James Egan: When it comes to the outlook for mortgage rates, the outlook for affordability, the outlook for the U.S. housing market – look, we just, throughout Morgan Stanley Research and Strategy, published our 2026 major outlook. From now through the end of 2027, we don't have conventional mortgage rates getting below 6 percent.We do have affordability improving on the margins. We have income growth exceeding home price appreciation that makes it a little bit better, but that doesn't get us back to the post-GFC affordability era, which was very, very affordable. Looking back over the past several decades, it gets us closer to where we were pre-GFC, not all the way back there.But when we think about how that ripples through the housing market and how we think about that evolving from here, look, we do think that the state of mortgage credit availability means there will be a lack of distress. We think that while affordability itself may be challenged and inventories may be low, there is some level of housing activity that has to occur regardless of where mortgage rates are or affordability is.We think we found that level. We think there's support for home sales at these current levels, and that combination of support for home sales, lack of inventory, means that home prices, very little room for them to grow from here. But we think they're going to be pretty supported.So, from a housing market perspective, at a ten-thousand-foot view, we're calling it 1-2 percent growth in sales, in home prices, well-supported. But the affordability outlook that we've outlined throughout this podcast – challenged to see a lot of acceleration.Now, when we pull it back to the first-time home buyer, based on our conversation, it seems that the key question is becoming less about when to buy, more about who can still afford to enter the market.But Sarah, it's really been great talking with you about the housing market today.Sarah Wolfe: It was great speaking with you, Jim.James Egan: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today. ***Sarah Wolfe is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BEST #AMISee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Katrina Fitten. Purpose of the Interview The interview aims to educate entrepreneurs—especially women business owners—on how to secure funding responsibly, avoid scams, and develop a strategic financial plan. It also highlights Katrina Fitten’s expertise as CEO/CFO of New Day for You Financial and her mission to help startups and small businesses access capital. Key Takeaways Funding Opportunities & Qualifications Katrina helps women business owners secure up to $100,000 in 100 days or less, with same-day approval and next-day funding. Basic qualifications include: Credit score of 680+ Existing credit lines (at least $10,000) A clear business mission and low-risk profile. Avoiding Scams Beware of unsolicited emails/texts promising easy money. Do your homework: Check companies on Better Business Bureau (BBB). Look for testimonials and partnerships with reputable banks (e.g., Chase, American Express). Never share sensitive information without verifying legitimacy. Importance of a Business Plan Funding is not free money—you need a strategic plan. Katrina calls it a “money mission”: know exactly how funds will be deployed. Without a plan, money disappears quickly, leading to debt and bad credit. Family & Friends Lending Treat personal loans like business loans: Have written agreements with terms, repayment schedule, and penalties. Decide upfront if it’s a gift or a loan. Services Offered by New Day for You Financial SBA loans, equipment loans, purchase order financing. Lines of credit and 0% interest credit cards (18–21 months). Credit card stacking for higher funding amounts. Credit restoration referrals for those with poor credit. Success Story Example: A tax accountant secured $160,000 in less than a week due to strong credit, revenue history, and a solid business plan. Notable Quotes “If you don’t have a plan for your money, your money will have a plan—and you’ll look up and it’s gone.” “We don’t want to be out here racking up good debt and then you’re not going to be responsible.” “You have to vet companies. Go to BBB, Google them, and check their credibility.” “If I give you money, I decide—is it a gift or a loan? There are rules to borrowing money.” “We say if you don’t get anything, we don’t get paid.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.