Podcasts about m t bank

M&T Bank and the Buffalo Bills celebrate their 40-year partnership, while also announcing the bank as a Founding Partner of the new Highmark Stadium full 2922 Wed, 28 May 2025 15:00:00 +0000 ZBCC3o30QGty1tn3TWtv0fgpIw2aIur9 nfl,football,buffalo bills,thurman thomas,eric wood,pete guelli,m&t bank,fred jackson,news WBEN Extras nfl,football,buffalo bills,thurman thomas,eric wood,pete guelli,m&t bank,fred jackson,news M&T Bank and the Buffalo Bills celebrate their 40-year partnership, while also announcing the bank as a Founding Partner of the new Highmark Stadium Archive of various reports and news events 2024 © 2021 Audacy, Inc. News

M&T Bank WNY Regional President Eric Feldstein on the partnership with the Bills and being a founding partner for the new Highmark Stadium full 125 Wed, 28 May 2025 16:00:00 +0000 VIt3lRbRjHtlQ86Nm8dKGo7VZMQnICVh nfl,football,buffalo bills,highmark stadium,m&t bank,news WBEN Extras nfl,football,buffalo bills,highmark stadium,m&t bank,news M&T Bank WNY Regional President Eric Feldstein on the partnership with the Bills and being a founding partner for the new Highmark Stadium Archive of various reports and news events 2024 © 2021 Audacy, Inc. News

Bills Hall-of-Fame running back Thurman Thomas on the Bills' partnership with M&T Bank, plus thoughts on the new and old stadium full 292 Wed, 28 May 2025 16:15:00 +0000 XBRCJMxwy1FDG6r8obQK0Ozp8KJIQL5S nfl,football,buffalo bills,thurman thomas,highmark stadium,news WBEN Extras nfl,football,buffalo bills,thurman thomas,highmark stadium,news Bills Hall-of-Fame running back Thurman Thomas on the Bills' partnership with M&T Bank, plus thoughts on the new and old stadium Archive of various reports and news events 2024 © 2021 Audacy, Inc. News

Boscobel launches $2 million-plus restoration Jennifer Carlquist will never forget the evening of April 16, when she learned a ceiling in the historic mansion at Boscobel House and Gardens had collapsed. Carlquist, its executive director and curator, has been in the museum business for 30 years, including the past 10 at Boscobel. She is used to making nighttime runs from her home to deal with routine problems such as false security alarms. This call was different. "It was beyond my worst nightmare," she said. "I could never have imagined what I saw." The collapse left the floor covered with plaster, broken period furniture, damaged antiques and debris. An investigation revealed a 1950s reconstruction flaw: The ceilings were made of concrete and, after more than 65 years (the early 19th-century mansion was moved from Montrose to Philipstown in 1955 to escape the wrecking ball), the shank nails could no longer handle the weight. The force of the collapse was so great it impacted rooms throughout the mansion. Nineteen of its 24 ceilings now need replacement, Carlquist said. And it could have been worse. "Hours before, we had a school group in that room," Carlquist said. "And their teacher, who used to work at Boscobel, was pregnant." Carlquist recalled the outpouring of support that followed. M&T Bank, Antipodean Books, Yannitelli Wine and Spirits and Foodtown provided boxes, the Appalachian Market lent a dumpster, the Desmond-Fish library shared air scrubbers and the Greater Hudson Heritage Network arranged for vacuums, supplies and volunteers. Resources were also made available by the Smithsonian Cultural Rescue Initiative, Metropolitan Museum of Art's American Wing, Greenwich Historical Society, Stair Galleries and Caramoor, she said. Reconstruction is now well underway. Carlquist estimates Phase 1 will cost about $2 million, but "that doesn't include replacing carpets, window treatments or wallpapers that were ruined. That's Phase 2," she said. A public fundraising campaign has begun and the National Trust for Historic Preservation has been approached for money. Representatives from the Department of Parks, Recreation & Historic Preservation will visit soon to advise about state grants, Carlquist said. "We have a federal grant from the National Endowment for the Arts for an exhibition that's supposed to open this fall," she said. "We're on pins and needles, hoping there isn't a disruption to funding" because of Trump administration cuts. Carlquist said the restoration is a chance to rethink the mansion, making it more accessible in part by removing some of the red ropes. For example, a second-floor room once served as living quarters for Sarah Wilkinson, an enslaved woman known as "Sill." Removing ropes there would allow visitors to enjoy views overlooking the expansive gardens. The Boscobel mansion was built by States Dyckman, a Loyalist who returned to the U.S. after fleeing during the America Revolution. He began construction in Montrose, 15 miles south, in 1806 but died that same year. Two years later his widow, Elizabeth, completed the Federal-style house, which was inspired by the symmetry of ancient Greek and Roman architecture. By the early 20th century, the home was in disrepair. In 1955, it was sold at auction for $35 (about $400 today). Just before it was to be razed, historian Benjamin West Frazier purchased the house for $10,000 ($118,000), had it dismantled and stored the pieces. Lila Acheson Wallace, a philanthropist who had co-founded Reader's Digest, financed the reconstruction in Philipstown overlooking the Hudson River, and the house opened for tours in 1961. Boscobel is located at 1601 Route 9D. The mansion is closed but the grounds are open Saturdays from 9 a.m. to 2 p.m. Admission is $14 ($7 for ages 4 to 18). Sunday will be added by April 6, Friday by April 25 and Monday by Memorial Day. Some exhibits from the house have been moved to the Visitor Center.

TOP 3: Pop-Up Ice Festival at M&T Bank, Old Bay Collaboration with Chicken of the Sea Tuna, and Fire Aid Benefit Concert Lineup Announced full 229 Fri, 17 Jan 2025 15:35:47 +0000 meW18FVPm8QYlWHjI9qLvIv4qehQkMTw music,society & culture,news Kramer & Jess On Demand Podcast music,society & culture,news TOP 3: Pop-Up Ice Festival at M&T Bank, Old Bay Collaboration with Chicken of the Sea Tuna, and Fire Aid Benefit Concert Lineup Announced Highlights from the Kramer & Jess Show. 2024 © 2021 Audacy, Inc. Music Society & Culture News

In this episode: Deducting uninsured losses for damage claims in federally declared disaster areas. Inherited IRA changes. New rates for 2025 including IRA distribution, fit taxes, and mileage Beneficial Ownership Reporting for FinCEN status may not be determined until March 2025.   Anita Evans, Vice President of Business Banking and Senior Relationship Manager for M&T Bank, joins us on the podcast to kick of 2025.  She discusses things you should consider when acquiring a loan, the importance of having an open and honest dialog with your lender and best practices for business owners.  Anita can be reached at aevans1@mtb.com if you would like more information.

Created and hosted by members of the UKRavens; Ian Demain, Gordon McGuinness, Ben Mortimer, James ‘Jonathan' Ogden, Gaz Poole & Shane Richmond. Follow along with the show on social media - @UKRavens & ⁠⁠⁠⁠⁠⁠www.facebook.com/ukravens⁠⁠⁠⁠⁠⁠ Be Involved with the show, email us at ⁠⁠⁠⁠⁠⁠ukravensshow@gmail.com⁠

In this episode, Deloitte's Jason Flynn sits down with Orgvue's Mike Bobek and M&T Bank's Calder Flynn to discuss how organizations can successfully use transparency to build trust, rather than hinder it, followed by a Deloitte roundtable discussion featuring David Mallon, Jason Flynn, and Nic Scoble-Williams.

“I need people who understand technology and the business more than I need people who understand compliance,” says Greg Imm, who recently retired as chief compliance officer at M&T Bank. “I can teach them compliance. I cannot teach them technology. We are paying much more attention on what is going on in technology that never existed five, six years ago.” The latest episode of the ABA Banking Journal Podcast — sponsored by Alkami — features part two of a two-part conversation with Imm and David Kelly, retiring chief risk officer at Denver-based FirstBank. At ABA's Risk and Compliance Conference in Seattle, Kelly was awarded the Distinguished Service Award for Risk, and Imm was honored with the Distinguished Service Award for Compliance. In part two, Kelly and Imm discuss the role of technology in the compliance and risk disciplines, how they hire and coach talent, and their involvement with ABA and other professional development providers over their careers. This episode is presented by Alkami. Listen to part one of this conversation.

In a time of heightened regulatory risk and business challenges, “that's where the risk professionals become very important,” says David Kelly, CERP, who recently retired as chief risk officer at Denver-based FirstBank. “Those relationships across business lines, because the risk will flow across those business lines, and getting stakeholders together to have those conversations.” The latest episode of the ABA Banking Journal Podcast — sponsored by Alkami — features part one of a two-part conversation with Kelly and Greg Imm, the retired chief compliance officer at M&T Bank and Fifth Third Bank. At ABA's Risk and Compliance Conference in Seattle, Kelly was awarded the Distinguished Service Award for Risk, and Imm was honored with the Distinguished Service Award for Compliance. In part one, Kelly and Imm discuss their experience across different institutions — Kelly spent most of his career at FirstBank, while Imm worked at numerous large and regional banks as well as the Federal Reserve Bank of San Francisco. They also discuss the evolving role of technology in risk and compliance professionals and how soft skills contribute to risk and compliance career development. This episode is presented by Alkami.

¿Cuántas veces hemos escuchado la frase: “Comparar casa es la mayor inversión que haremos en la vida”? Y es muy cierta. Además de la tranquilidad y la seguridad que nos transmite el hecho de tener un hogar, un préstamo hipotecario es quizás la mayor deuda que adquiramos en la vida.  con Eli Rosario, Representante Hipotecario en M&T Bank. ====================================== M&T Bank 1703 Oregon Pike, 1st Floor.  Lancaster, PA 17601. 717-399-6666  --- Send in a voice message: https://podcasters.spotify.com/pod/show/radiocentro/message

Today Mike is talking with Erin DiNello of Penguin Random House, and the Chair of the 25th Annual Taste of Carroll Event Committee, about this outstanding event, which is sponsored by M&T Bank. This culinary event supports Bridging LIfe Hospice and Palliative Care, and is scheduled for Monday, April 29th, from 6-9 PM at 1623 Brewing Company in Eldersburg

Francesco Lagutaine, chief marketing, communications officer at M&T Bank, and Jacqueline Kolek, senior partner and chief innovation officer at PR and marketing agency Peppercomm, join host Matthew Schwartz to discuss the long-standing relationship between M&T Bank and Peppercomm and why it's increasingly important crucial that brand managers view their PR agencies as partners and not vendors.

Mayor: Riverfront 'takes a beating storm after storm' "The past few days have been really hard on everyone," especially highway and facilities workers, Mayor Kathleen Foley said at the Wednesday (Jan. 10) meeting of the Cold Spring Village Board. "We barely recovered from the last rainstorm then got pelted with snow and more rain." Foley said a crew of two was able to handle the weekend snow, working through the night on Jan. 6. The flooding later in the week caused more trouble, although "the village fared better than expected," Foley said, with damage limited to the lower village and Cedar Street at the east end. Cold Spring, she said, has learned from recent storms, including torrential rains in July, and was better prepared. "The preventive measures we took, [such as] catch basin clearing, extensive sandbagging and proactive pumping," helped minimize damage on Cedar Street, she said. "It was amazing; a wall of water came down through the Nelsonville Woods." The riverfront experienced extensive flooding once again. "Fighting flooding at the waterfront is super difficult because we're working with river rise and the tides," Foley said, adding that the riverfront "takes a beating storm after storm." Multiple basements flooded and a large amount of debris washed in from the river, keeping crews busy through Tuesday night and into Wednesday afternoon. With workers needing rest, the village closed streets west of Lunn Terrace. Cleanup resumed Thursday morning and the lower village was expected to reopen to traffic by the evening. "We are actively living with climate collapse," Foley said. "We have to talk about it openly, particularly as New York State is considering connecting our fragile waterfront to the Fjord Trail." She called for "honest and serious conversations about our infrastructure needs at the waterfront and whether trail development makes sense in that part of the village." Foley said the village board needs to discuss capital project planning and prioritizing while "figuring out how we're going to find ways to pay for these very big projects." In other business … The Jan. 24 board workshop will be a public information session on the residential parking permit program, which is about to be implemented. Trustee Eliza Starbuck described it as "a slow roll-out" that will give residents time to apply for and receive permits. She said application forms are available at coldspringny.gov and will be mailed to residents who qualify next week. Parking restrictions will apply Friday through Sunday and on holidays. Enforcement won't begin until March. Village Accountant Michelle Ascolillo Micelle reported that, seven months into the fiscal year, expenses in the general fund are projected to exceed revenues by about $12,000. She noted that, in the last quarterly report, the gap was $43,000. Ascolillo said the shortfall would ease when the hotel occupancy tax, metered parking and short-term rental fees were implemented. Expenditures over budget to date include increased highway department costs because of flooding; engineering services; and general attorney's fees, expenses she said can be offset by using the fund balance. Jennifer Zwarich, chair of the Tree Advisory Board, announced that the village won a $40,000 grant from the Anahata Foundation that will pay for 24 new trees, the pruning of the youngest and oldest trees on village properties and a demonstration project for root-friendly sidewalk redesign and street tree planting. The advisory board is also overseeing removal, pruning and maintenance of trees on a village-owned lot at B Street and Mountain Avenue. Cold Spring Police Department Officer-in-Charge Larry Burke warned residents to be wary of tax-season phone scams from people who claim to represent the IRS or a bank and ask for personal and financial information. Burke said he was notified in December by M&T Bank of an unusually large cash withdrawal. It turned out to be a scam in which a resident received a ca...

This week Sheri and Olivia discuss following your passion with Community Reinvestment Officer at M&T Bank, Carolyn Gonzalez. Carolyn Gonzalez has devoted most of her career to community and economic development in Connecticut and especially, her hometown, Bridgeport. Carolyn was ALSO a founding member of Groundwork Bridgeport and the Greater Bridgeport Latino Network in 2003. As always, stay true to yourself, stay kind, stay confident and show up as your best self every day! Connect with us on social media @goLiveGirl and be sure to subscribe, rate, review on Spotify and Apple Podcasts!

December 13, 2023:   Join the conversation with C4 and Bryan Nehman as they discuss: Renovations are coming to M&T Bank Stadium, more issues with teen crime, Sashi Brown from the Ravens joined the show to discuss the renovations coming to M&T Bank stadium, a Investipedia survey shows that not everyone can afford to live the American dream. Brant Fisher - President of Brewers Hill neighbors joined the show to discuss a letter sent to elected officials regarding juvenile violence, reaction to the CAIR presser & reactions to the Harborplace meeting.   C4 and Bryan Nehman live every weekday from 5:30-10:00 a.m. ET on WBAL News Radio 1090, FM101.5, and the WBAL Radio App. 

After a three-year hiatus, the Wine & Dinosaurs fest at the Delaware Museum of Nature & Science returned for 2023 and we were once again on-location doing the pod thing. Presented by M&T Bank, all proceeds from the event featuring wine, food, and of course great beer, go to supporting the museum and its mission. We catch up with a few old friends from some of the state's awesome breweries, and meet some new ones as well. This is one fest we've always enjoyed for its laid back feel, top-notch food, and – best of all – being surrounded by all the funducational wonders this incredible museum has to offer. Do you love Beer Busters? Of course you do!Why not leave us a rating and review on your podcast platform of choice and consider supporting us on Patreon.

Give us about fifteen minutes a day and we will give you all the local news, local sports, local weather, and local events you can handle.   SPONSORS: Many thanks to our sponsors… Annapolis Subaru, the SPCA of Anne Arundel County,  Solar Energy Services, Hospice of the Chesapeake, Scout & Molly's, and Alpha Engineering. Today... Baltimore Police are looking for a murderer who is very dangerous. Dr. Bedell named Superintendent of the Year by National Alliance of Black School Educators. M&T Bank is sponsoring a mobile food pantry for the Anne Arundel County Food Bank. Navy athletics is not affected by any shutdown. ASO is ready to kick off season 62 tomorrow so get your subscriptions or if you are into one performance, we have a BOGO deal for you. There's a super harvest full moon on the rise tonight and tomorrow. Y'all lost out on the Amethyst Kiah show, but I do have Gino Vanelli tickets from Rams Head On Stage. Pod news about Weems and Plath and bunch more! Link to daily news recap newsletter: https://forms.aweber.com/form/87/493412887.htm Trevor from  Annapolis Makerspace is here with your Maker Minutes! And as usual, George from DCMDVA Weather is here with your local weather forecast! Please download their app to keep on top of the local weather scene! DAILY NEWSLETTER LINK: https://forms.aweber.com/form/87/493412887.htm The Eye On Annapolis Daily News Brief is produced every Monday through Friday at 6:00 am and available wherever you get your podcasts and also on our social media platforms--All Annapolis and Eye On Annapolis (FB) and @eyeonannapolis (TW) NOTE: For hearing impaired subscribers, a full transcript is available on Eye On Annapolis

Welcome to another edition of The Kirby on Sports Podcast! Josh and the gang are back to break down an interesting week in the NFL as The Chargers defeated the Vikings in a close game, could the Vikings also be in trouble after falling to 0-3. Dan talks about his trip to M&T Bank Stadium and the Ravens fell to the Colts. And we cannot forget about Taylor Swift, Carlos discusses anything and everything Taylor Swift and her attendance at the Chiefs vs Bears game. All that plus The Kirby on Sports PickEm to wrap it all up! Thanks to our Sponsors: PM+ Reserves Shenandoah Primitives Dr. Dave Leadership Corporation Mark Francis with ICON Real Estate Barrett Pest & Termite Services Shenandoah Music Mark Lynch with Guild Mortgage Don't Sleep Energy. The Official Energy Drink of The Kirby on Sports Podcast! Use promo code "KOSPodcast" on www.dontsleepenergy.com or amazon.com/shops/dontsleep for 12% off your order every single time. www.kirbyonsports.com --- Support this podcast: https://podcasters.spotify.com/pod/show/thekirbyonsportspodcast/support

2023 Global Human Capital Trends in Action is a four-part series on Deloitte's 2023 Global Human Capital Trends report. In part 3, hear from Neil Walker-Neveras, Chief Talent Officer at M&T Bank, report authors Kraig Eaton, John Forsythe, Nic Scoble-Williams, and host and report author David Mallon on “Charting a new path: Cocreate the relationship.”

Reflecting on a time you were deceived, did you ever pause first to ask yourself the most rudimentary question: does this make sense? Overlooking this question can lead to bad outcomes for consumers, businesses, and society alike.The art of deception is nothing new, and neither are the subsequent feelings of humiliation and fear victims are left with.Fighting financial crime takes on different forms across various departments, but in this episode of KYC Decoded, we focus on fraud prevention. Joining host Alex Pillow are fraud experts, Greg Richardson, Senior Director of Global Sales at NeuroID, and Kyle Caldwell, Senior Vice President of Fraud Product Management at M&T Bank. Their conversation covers:The many different guises of fraudHow fraudsters steal informationThe impact fraud has on institutions, law enforcement, and practitionersThe critical relationship between highly intelligent fraud specialists, quality data, and advanced technology when fighting sophisticated criminal networksIf this episode left you hungry for more information on fraud, here are some additional resources:KYC Decoded episode, Book club: The Lazarus heistLuke Raven's LinkedIn post comparing fraud and anti-money launderingTech coalition websiteFrank on Fraud websiteInfamous Ghost Money YouTube channelOur blog, NRRP anti-fraud measures intensify across the EUAnd, if you are ready to take your fight against fraud another step further, please visit our website and get in touch. We would love to hear from you. 

In a first for a state bar, The Florida Bar is providing its entire membership of more than 111,000 lawyers with access to legal trust accounting software – a move designed to both help lawyers better comply with trust accounting rules and help protect members of the public from trust accounting errors.  The initiative was spearheaded by F. Scott Westheimer, a partner in the Sarasota firm Syprett Meshad, who was sworn in June 23 as the bar's new president, and it was made possible through a relationship between the bar and the legal financial management company Nota, owned by M&T Bank.  On the latest LawNext, host Bob Ambrogi is joined by Westheimer, together with Paul Garibian, the CEO of Nota, to discuss this precedent-setting initiative and what it could mean for lawyers and the public in Florida.  Florida lawyers interested in learning more about Nota's availability in their state can do so at this link.   Thank You To Our Sponsors This episode of LawNext is generously made possible by our sponsors. We appreciate their support and hope you will check them out.  Nota, the online business banking platform designed specifically for solo and small law firms.  Paradigm, home to the practice management platforms PracticePanther, Bill4Time, MerusCase and LollyLaw; the e-payments platform Headnote; and the legal accounting software TrustBooks. Universal Migrator, the easiest way to extract, query, and transfer practice management.   If you enjoy listening to LawNext, please leave us a review wherever you listen to podcasts.  

The Anne Arundel County Food Bank is feeding hope.    Despite COVID being behind us, make no mistake, the need is continuing, the need is real and the need is greater than ever. Today we talk with CEO Leah Paley about that need. We talk about the new mobile pantry courtesy of M&T Bank. ANd we talk about how you can help by volunteering, advocating, or donating (food or money). On May 18th, the Food Bank will host an event at Homestead Gardens called Feeding Hope. It is an all-inclusive evening with food, drink, and entertainment and plenty of ways for you to support our neighbors in need.  If you can, please consider attending, or sponsoring! Have a listen! LINKS: Anne Arundel County Food Bank (Website) Anne Arundel County Food Bank (Facebook) Anne Arundel County Food Bank (Twitter) Anne Arundel County Food Bank (Instagram) Anne Arundel County Food Bank (Linked In)

In this engaging episode, Francesco Lagutaine and Ben Kaplan delve into the essential aspects of successful marketing. They explore the importance of understanding and communicating your brand's core values while staying true to your marketing DNA. The conversation highlights the significance of building trust with your audience and the role of becoming an authentic part of the communities you aim to reach. Don't forget our socials: https://www.tiktok.com/@topcmo https://twitter.com/TOP_CMO_podcast https://www.instagram.com/topcmo/

In this week long series, Sigalle covers insights from the 2023 ABA Tech Show in Chicago, Illinois. Next up is Paul Garibian, CEO and Co-Founder of Nota by M&T Bank, an innovative cloud-based platform that provides business banking solutions for attorneys managing solo and small firms.  Although not a lawyer, Paul discusses how he is leveraging his 20 years of experience helping financial institutions to bring a personalized banking experience to lawyers and law firms alike. Visit https://www.trustnota.com/ to learn more. The ABA Tech Show is where lawyers, legal professionals, and technology all come together. For three days, attendees learn about the most useful and practical technologies available. Visit https://www.techshow.com to learn more.

Shanelle is an author, inventor, and empathetic product design leader with over 17 years of design experience where she has won awards for her design work. She currently works at M&T Bank where she's helping them digitally transform their institutional client services space by automating workflows and designing software that will allow the bank to deliver their products and services at scale. Her passion is to help build high-performing design teams by crafting best-in-class employee experiences. She is a top-rated mentor on ADPList, with over 40 rave reviews, where she mentors designers at all levels to successfully navigate their careers. Shanelle loves to travel and interior design. When she's not working, she's designing her 1950s brick house to reflect a Hollywood glam vibe.

Rob Commodari helps people find the path to reach their fullest potential. He discovered his own path in 1990, when he realized that speech and communication are powerful tools that animate hearts and minds. Rob developed a personalized approach to communicating that teaches awareness so that listeners may find their purpose and set attainable goals. A serial entrepreneur, Rob has been involved in several businesses. He had his own newspaper business from 1994 until 2004. Rob was partners in a cigar business in the mid 1990s. He flipped a few houses over the years and has spoke in front of several organizations, including Wells Fargo, Sherwin-Williams, Wachovia, M&T Bank, BB&T Bank, The Baltimore Sun, and others. Rob also speaks to school students and prison inmates. When Rob speaks, he is moved by the spirit to connect with others and inspire them to realize their dreams. In Rob's first book, Better Than You Think, he shares his experiences and insights on awareness and how he has grown into the person he is today, and the person he wishes to become, which is an ever-changing goal. His goal is to inspire and impact everyone he meets to fulfill their God-given potential. Connect with Rob Commodari on his website: https://www.robcommodariauthor.com/ Rob on LinkedIn: https://www.linkedin.com/in/robcommodari/ = = = = = My latest book, The Far Unlit Unknown -- is available now! Grab your copy here Here are three more ways I can help you: Share this episode with one person who could use a boost of inspiration and positivity today. Bring me in to speak at your next event. Book a free call with me today to discuss that book you finally want to write in this year.

In this episode, Jason Foster talks to Allison Sagraves, Portfolio Chief Data Officer, Board Advisor, Adjunct Faculty at Carnegie Mellon University and former Chief Data Officer of M&T Bank. They talk about providing value with data, strategic prioritisation in data, how to align success criteria with business objectives, data culture and building well-rounded data teams.

The Erie County Department of Public Works is gearing up - and ready they say- for intense Lake Effect snow forecast for Thursday. M&T Bank is developing a multi-cultural business development lab with a pitch competition and mentorship. An audit of the NYS unemployment insurance system during the COVID pandemic shows billions of dollars in overpayments. . Also, a delay in the lawsuit against the city of Buffalo on re-districting city council boundaries and a shortage of some prescription medicines in Ontario is not abating.

Bonus EP: ft Jim Peterson  Vice President, Small Business M&T Bank, Frederick Riley Executive Director Weave : The Social Fabric Project, Sonja Merchant Jones 2022 Weaver Award Winner.   The Weaver Awards, launched in Baltimore in 2021, focus on identifying and supporting Baltimore residents and organizations who prioritize their community's emotional needs for connection and belonging. The program is open exclusively to Baltimore City residents 18 and older and smaller organizations with budgets under $250,000 a year. Funded in partnership with M&T Bank the awards honor these community "weavers" and their important work. They are currently accepting applications for the 2022 Weaver Awards, which will celebrate and honor the work of Baltimoreans who are building community, offering 20 micro-grants of $5,000 each.   These Baltimoreans represent a wide range of neighborhoods and mostly grassroots projects; all focused on building community trust and connection to help heal the division that exists. What these weavers all have in common is the work they've been doing to show up for their neighbors to meet the unmet needs that exist, from after-school programming for the youth to community composting and solar lighting. They are building connections in their communities and weaving a rich social fabric.  

In this episode of the UKRavens Podcast, Gaz, Ian & Shane discuss all the latest Ravens news. They review the week 4 loss to the Buffalo Bills at home. The guys are then joined by Paul from CinciNatter, who helps to preview the upcoming week 5 game against the Bengals. Created and hosted by members of the UKRavens; Gaz Poole, Ben Mortimer, Ian Demain, Shane Richmond & James 'Jonathan' Ogden. Follow along with the show on social media - @UKRavens & www.facebook.com/ukravens Be Involved with the show, email us at ukravensshow@gmail.com --- Send in a voice message: https://anchor.fm/ukravens/message

Film Maker Joe Berlinger talks about how Americans are grabbing onto conspiracy theories too much. CT Attorney General William Tong goes after M&T Bank. Dave sits in for Ethan.

Join us as we do a special Monday edition of WFW! We will invite Ab Lowe on the show and give his thoughts being live at M&T Bank stadium on Saturday. We will then breakdown our final 53. Tune in and see who make the cut. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Marty Conway, VP of Sponsorship at M&T Bank joins Andy and Jake to talk about how to become an adjunct professor, how to stay young and learn about the next generation, and what the next generation needs to learn as well about getting into the industry! For a limited time during 2022, use the code “LIFO” for 15% off one-time packs on sujajuice.com. --- Send in a voice message: https://anchor.fm/lifeinthefrontoffice/message

Grant Haseley is the Executive Director and Founder of Wagyu Games, creators of Undead Blocks, the world's first AAA play-to-earn FPS zombie shooter. Grant brings over an unparalleled passion and vision for gamer empowerment and digital asset ownership that relate to his days working in Banking. Grant was most recently a Vice President for M&T Bank specializing in Data Analytics and previously worked at Goldman Sachs as an Analyst in their Securities Lending division. Grant graduated with a BS in Mathematics from the University at Buffalo.

Shownotes can be found at https://www.profitwithlaw.com/313.   If you are experiencing anxiety, fear or a sense of confusion, you're not alone. With the uncertainty of our current situation, compounded by major media, social media, experts, forecasters and our own government, we all feel like we really have no idea what the next day will bring or if our financial future is secure. So how do we know what to do? What to decide? How to react?   Join David Neagle as he shares with you:   *How to evaluate a situation so you can make a decision based in truth rather than fear. *How to regulate and control your own emotions in the face of uncertainty. *How to manage time when you are experiencing a constant state of change. *How to tap into your own innate resourcefulness and think outside the box to turn your annual income into your monthly income. Resources mentioned:   Law Firm Growth Summit Recordings https://www.lawfirmgrowthsummit.com/recordings   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that's LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

The Tops supermarket on Buffalo's Jefferson Avenue is surrounded by streets lined with dilapidated houses. Around the corner is a small strip with two barbershops, a nail salon, and a heavily guarded M&T Bank. On most days, this part of town sees little foot traffic. But on Monday, it was filled with television news crews and local church groups offering free food to a community that had just experienced a massacre.

There is no shortage of fintech products these days... more organizations than ever before are leveraging technology to revolutionize payments, banking, finance, and beyond. But when it comes to fintech products, what are the keys to long term growth and adoption? Paul Garibian, president of Nota. Nota is M&T Bank's fintech solution for attorneys joins the show to discuss. Paul has spent nearly 20 years helping financial institutions drive product development and grow revenue and market share Find show notes and more: https://www.soarpay.com/2021/12/nota/

Sonny Sonnenstein of M&T Bank joins to discuss Buffalo Niagara's booming tech ecosystem and innovation economy. He covers the case for why both talent and companies should be in Buffalo.

Steve Levy, Technical Sourcing Lead at M&T Bank, joined our CEO Lewis Maleh this on The Recruitment Show live.They explored what most companies get wrong in their recruitment processes, effective hiring is a strategic priority, and the hidden cost of recruitment is candidate retention.

From Workforce Buffalo Career Connections Podcast: In this episode, you'll learn about M&T Bank's Buffalo Tech Hub, which was designed to create over 1,000 jobs, accelerate startup growth and attract talent to the region. Discover how the Tech Hub aligns with M&T's core values, engages with community partners and what the curriculum will look like. Technology skills are becoming rapidly more necessary and beneficial for the careers of tomorrow, and the Tech Hub looks to help the community increase access for those who need it.

Our guest is our friend Afreen Husain of M&T Bank.Afreen specializes in serving business owners with CommercialMortgages, Commercial Lines of Credit, Term Loans as well asDeposit Solutions for Checking and Savings.Her clients include:►Small to Mid-sized businesses►Professional firms such as Accounting and Law Firms andMedical & Dental Practices►Construction Industry and Specialty Contractors►Commercial Property owners and buyersAnd we know from experience that Afreen has a passion forhelping small businesses grow! Her personal mission is to helpyou make the most of your time and money! Which is always agood thing…

Shownotes can be found at https://www.profitwithlaw.com/194.   Lawyers are often exposed to a variety of people from all walks of life. At some point in your career, you may encounter a case that requires you to have a deeper understanding of a different cultural background. Situations like this make international law handy for any lawyer in any field. It is also a good learning opportunity to further your career. In this episode, Dr. Fatemah Albader joins Moshe Amsel to talk about issues concerning international law. She also discusses the importance of electing women into power and slowly breaking tradition for positive change. If you want to know more about women’s rights and different international issues, then this episode is for you. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more.   Connect with Fatemah: Email Cultural Oppression Disguised as Religious Obligation: A Fatal Misrepresentation to the Advancement of Muslim Women’s Rights in the Context of the So-Called Honor Killings by Fatemah Albader Goldman Sachs’ Commitment to Board Diversity Convention on the Elimination of All Forms of Discrimination against Women Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/193.   Master client delight to grow your firm - As an attorney, you want to get more done for your clients, while converting leads into new business. But your days are filled with drafting documents, meetings, court appearances, speaking with opposing counsel…and making sure nothing falls through the cracks. This leaves little time to focus on the most critical element to win more business for your firm: the client journey. What if there was a way to automate the entire client journey for your law practice while delighting your clients every step of the way? In this session, we will cover how to create a clear path to client delight, and how to use that delight as a core lever of business growth. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/192.   Starting your own business is one thing, but maintaining it and making it grow is a whole different matter. You’ll encounter all sorts of problems, and it can be challenging to face them unsupported. It’s essential to ensure someone’s got your back. That’s where a financial institution comes in. In this episode, Moshe Amsel and Todd Hamblet discuss how a financial institution can be your partner in growing your law firm. Todd also talks about common problems small businesses have to face, like managing cash flow and accessing capital. If you want to know how partnering with a financial institution can help you grow your law firm, then tune in to this episode. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Connect with Todd: LinkedIn Fundbox Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine by Mike Michalowicz  Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/191. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/190.   We all get the same number of hours in a day. How is it possible that some people can be completely productive and have all the time they need in a day, while other people never seem to have enough? How do you even begin to manage time? Joining us in this week’s episode is Elizabeth Saunders, one of the world’s top time management professionals for the past three consecutive years. She’s here to talk about what makes these people different and how to become like them. She shares strategies we can adopt to fully make use of our time and be productive with it. Elizabeth also identifies the usual bad habits people have and how to break them. If you want to know more about how to manage time and be clear on your priorities, tune in to this episode! Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more.   Connect with Elizabeth: Website Download Elizabeth’s free scripts on how to say “no” Check out Smith.ai and their premier virtual reception service for law firms. Use the code PROFITLAW100 to get a special discount. Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine by Mike Michalowicz SaneBox | Email Management for Any Inbox Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/189.   We all know about the PPP program but are you aware of the changes made to the program in the Taxpayer Certainty and Disaster Tax Relief Act of 2020? The PPP program ends March 31, 2021 so don’t delay listening to this episode.   One stimulus plan you may not be aware of is the Employee Retention Credit that can be worth as much as $19,000 per employee between 2020 and 2021. Moshe Amsel explains all the details you need to know about claiming this credit including how to get the credit paid to you in advance! Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more.   PPP Lenders: https://eu2apply.crossriversba.com/#/start/ https://www.kabbage.com/ppp-loan-forgiveness/ https://www.lendio.com/covid-relief/sba-paycheck-protection-program-loans/ https://app.nav.com/paycheck-protection-program-form   IRS Form 941-X: https://www.irs.gov/forms-pubs/about-form-941-x IRS Form 7200: https://www.irs.gov/forms-pubs/about-form-7200   Questions? Send an email to info@dreambuilderfinancial.com Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/187.   Everybody has their someday list. Someday I will get to play ball with my kids in the afternoon. Someday I will get to hang out with my friends on a weekday afternoon for lunch. Someday I will get to exercise for an hour before I go to the office.   We are all making a grave mistake when we do that. Someday will never come. Instead, Moshe Amsel shares how you can make someday be today without strangling your law firm in the process. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/186.   A chain is only as strong as its weakest link. Your team members can make or break your organization. You have to be very intentional with team development, from nurturing their skills and getting them involved to taking care of their well-being. Your firm’s growth is highly dependent on whether your team members take ownership of the work they do and go the extra mile to be enthusiastic and collaborative. In this episode, Steve Morin joins Moshe Amsel to talk about his experience with developing individuals to become part of a functioning team. He emphasizes the role of leadership and what actions you should take to maximize your team’s capabilities. If you want to know more about team development and the factors that will make your members become team players, then this episode is for you. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more.   Episode 65 - Culture Not Important? Guess Again! with Eric Farber Connect with Steve: LinkedIn Asana ProductiveGrowth Newsletter The Infinite Game by Simon Sinek The Case for Culture by Eric Farber Hiring & Empowering Solutions Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/185.   Steven Covey said “Begin with the end in mind”. The problem is that most people do not know what the end is. Our bodies are designed to prevent us from imagining things that are beyond our own belief of what is possible. Without being able to imagine what you truly desire, how can you ever get it?   In this episode, Moshe Amsel shares an exercise you can follow that will allow you to begin to unlock your true potential.  Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more.   Living Forward Book: https://www.profitwithlaw.com/livingforward Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/184.   Have you ever put yourself in your client’s shoes? Your client’s personal experience may be something you’re not used to or even aware of. Recent surveys show a miscommunication between what clients want and what lawyers think their clients want. How can we bridge that gap with payment plans?  In this episode, Richard Formoe joins Moshe Amsel to talk about changing our model into flat-fee pricing. He also discusses how multiple payment plans can give power and transparency to clients. Making life easier for our clients should not harm our business. In fact, by making things convenient and affordable, we can drive up revenue and even save precious time!   If you want to know more about improving your pricing and payment plans, then this episode is for you. Resources mentioned:   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Episode 39 - Business Advice From A Law Firm Owner With an MBA with Devin Miller Episode 106 - Legal Products Instead of Services with Bobby Klinck Episode 132 - He's Back! Team Building, Marketing, and More with Devin Miller Episode 147 - Unpacking the 2020 Clio Trends Report Episode 150 - To Achieve Success - Spend a Day in Your Client's Shoes with Jim Armstrong Episode 160 - Let Your Clients Do Your Drafting, How's That for an Idea Connect with Richard: LinkedIn | Email QuickFee LawFund AR 2020 Legal Trends Report from Clio. If you’re looking for highlights instead, access the summary here.   Miller IP Law LegalZoom Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/183.   If you are experiencing anxiety, fear or a sense of confusion, you’re not alone. With the uncertainty of our current situation, compounded by major media, social media, experts, forecasters and our own government, we all feel like we really have no idea what the next day will bring or if our financial future is secure. So how do we know what to do? What to decide? How to react?   Join David Neagle as he shares with you:   *How to evaluate a situation so you can make a decision based in truth rather than fear. *How to regulate and control your own emotions in the face of uncertainty. *How to manage time when you are experiencing a constant state of change. *How to tap into your own innate resourcefulness and think outside the box to turn your annual income into your monthly income. Resources mentioned:   Law Firm Growth Summit Recordings https://www.lawfirmgrowthsummit.com/recordings   This episode is sponsored by LawFundAR. The easy and simple way to add payment plans to your practice with no risk to you. Get paid up front and still add the value of payment plan options for your clients. Learn more at lawfundar.com/profitwithlaw.   This episode is sponsored by NOTA powered by M&T Bank. You went to law school to be a lawyer, not an accountant.  Take advantage of Nota - a no-cost IOLTA management tool that helps solo and small law firms track client funds down to the penny.  Enjoy peace of mind with one-click reconciliation, automated transaction alerts, and real-time bank data.  Visit trustnota.com to learn more. Terms and conditions may apply.    This episode is sponsored by LegalEase Marketing. No buzzwords. No jargon. No B.S. Just results to make your law firm grow, that’s LegalEase Marketing. LegalEase Marketing is a full-service marketing agency for lawyers by legal experts and digital advertising specialists. Our goal? To help your firm stand out in a competitive marketplace with personalized solutions to help your law firm attract the clients you want backed by the systems to make it all work correctly. Visit profitwithlaw.com/legalease to learn more. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

Shownotes can be found at https://www.profitwithlaw.com/159.   The Law Firm Growth Summit is back! February 9-11, 2021 and it will be better than ever! You can purchase tickets today at https://www.lawfirmgrowthsummit.com. Hurry, prices go up on Monday.   Many of our clients share with us their IOLTA tracking process. This almost always entails a separate spreadsheet aside from their Quickbooks, Practice Management Software, online banking and bank statements. Many of our clients share that they are so nervous about their IOLTA account that they are afraid of losing their license to practice law! What is even crazier is that almost all of them are still getting it wrong! IOLTA should be a tool to do business with and not a time suck and fear inducing machine… Join this conversation between Moshe Amsel and Paul Garibian, President of NOTA by M&T Bank as they go deep into the nuances of the trust account process. Resources mentioned:   The Law Firm Growth Summit is back! February 9-11, 2021 and it will be better than ever! You can purchase tickets today at https://www.lawfirmgrowthsummit.com. Hurry, prices go up on Monday. Join our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/   To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.   Connect with Moshe on: Facebook - https://www.facebook.com/moshe.amsel LinkedIn - https://www.linkedin.com/in/mosheamsel/

For many small businesses, whose owners spend on consumer credit cards and put up personal assets as collateral, the distinction between retail and business banking is blurry. Detra Miller, a veteran of M&T Bank’s retail side, noticed this when working with female and non-white entrepreneurs. On the ABA Banking Journal Podcast’s latest episode, Miller discusses how she pitched M&T Bank on creating a team focused on outreach to minority-owned and women-owned businesses in the Baltimore-Washington area, building bridges to these entrepreneurs and helping them understand banking and access credit. At a moment when the national focus is on financial inclusion, Miller’s work has resonated with its target audience — and been recognized by ABA with the 2020 George Bailey Distinguished Service Award. Additional resources: Read a Q&A with Miller on financial inclusion. Read more about the 2020 ABA Community Commitment Award winners.

In this episode, Hall welcomes Nish Krishna, CEO of Lend-Grow. Headquartered in Reston, Virginia, Lend-Grow is a complete digital growth platform for local lenders. Lend-Grow aims to connect consumers with 1000+ local lenders that are often harder-to-find online and usually have better deals on loans. Lend-Grow was founded by executives that successfully built multi-billion dollar portfolios at both big banks and credit unions.   Lend-Grow's platform consists of (i) RateBunni, a rate aggregator that has information on rate competitiveness and trends from 300+ local lenders, (ii) Lend-Grow marketplace to pre-qualify and route borrowers to local lenders in real-time, and (iii) Ask Lend-Grow recommendation engine to help local lenders take smart, data-driven decisions. Nish has spent the past decade at both large banks (Capital One, E*Trade) and mid-sized ones (M&T Bank, PenFed Credit Union). At Capital One, Nish managed growth for a $600 million co-brand card business and $2.5 billion small business lending. Before starting Lend-Grow, Nish set up the Consumer Loans business at PenFed and grew this business to $1.2 billion in loans over two years. Nish is an MBA graduate from Darden Business School and an IIT alum. Nish discusses investing in FinTech, broad trends in lending, challenges and opportunities for FinTech startups, and the thesis for Lend-Grow. He advises investors and entrepreneurs and shares resources for anyone interested in the fintech sector. You can visit Lend-Grow at .   Nish can be contacted via LinkedIn at and via email at nkrishna@lendgrow.com. 

Anthony has 30 years of experience working with artists, creatives and managers…finding great success working with Outliers, Free Thinkers, Misfits, and Radicals. He coaches high value team-members and rather than making the square peg fit the round hole…he helps them find a successful fit no matter their shape! Some of his clients include Tobacco-Free WNY at Roswell Park Comprehensive Cancer Center, University at Buffalo School of Management, M&T Bank, Creative Education Foundation, Burchfield-Penney Art Center, The Park School of Buffalo, Assembly House 150, and Young Audiences of WNY.  You can find Anthony on his bike as an avid cyclist, riding 500 miles across NY State in 7 days to raise funds for cancer research. Learn More about his Coaching at apexleadergrowth.com

Podcast: Top Tips for Negotiating Divorce Settlement Agreements In this podcast, Sharon Klein, a Family Wealth Strategist and Trusts & Estates Attorney and Michigan family lawyer Mark Bank discuss top tips for negotiating divorce settlement agreements with Dan Couvrette, CEO of Family Lawyer Magazine and Divorce Marketing Group. Hosted By:  Dan Couvrette, CEO, Family Lawyer Magazine Guest Speakers: Sharon Klein, a Family Wealth Strategist and Trusts & Estates Attorney, and Mark Bank, a Family Lawyer in Birmingham, Michigan Full transcript and video interview available at https://familylawyermagazine.com/articles/top-tips-for-negotiating-divorce-settlement-agreements/ Read the Transcript of this Podcast Below. Intro: Welcome to Family Lawyer Magazine’s podcast. This episode is on Top Tips for Negotiating Divorce Settlement Agreements.  Your host of this episode is Dan Couvrette, the publisher of Family Lawyer Magazine and Divorce Magazine. His two guests are Sharon Klein and Mark Bank. Sharon Klein is president of Family Wealth, Eastern U.S. Region for Wilmington Trust. She coordinates the delivery of all wealth management services by teams of professionals and heads Wilmington's National Matrimonial Advisory Solutions Practice. Beginning her career as a trust and estates attorney, she is a fellow of the American College of Trust and Estate Counsel and chair of the Domestic Relations Committee of the Trust and Estates Magazine where she sits on the board. Mark Bank is a founding partner of the law firm Bank Rifkin in Michigan, and focuses on complex divorce cases in Michigan and nationwide. He is a diplomat of the American College of Family Trial Lawyers and a Fellow of the American Academy of Matrimonial Lawyers. Here’s the podcast. We hope you enjoy it. Dan: Sharon, what services do you offer and how do you work with family lawyers? Sharon: Wilmington Trust provides the full spectrum of wealth management services and through the matrimonial advisory practice group that I lead, we work with family law attorneys like Mark to provide a comprehensive suite of services for clients who have recently been divorced or in the process of getting divorced. And that could be everything from investing the settlement proceeds to acting as a neutral, impartial trustee to reviewing business valuations, to reviewing insurance, to providing family office services and also private banking services. And in particular, in the pre-divorce context, we have very sophisticated proprietary analytical tools where we can run comprehensive financial projections that take into account all assets. That could include private assets like a business as well as showing detailed cash flows, which take into account tax impact and also changes on the investment horizon. So, we could stress test the portfolio depending on what's happening in the investment landscape. And that typically gives attorneys wonderful information to take to the negotiating table in order to best position themselves and their clients at that table. And then post-divorce, we could use those same analytical tools to craft an investment strategy that's designed to ensure that a portfolio will sustain a certain lifestyle Dan: And Mark, what is the focus of your family law practice? Mark: My firm handles complex divorce cases, not only in Michigan but nationwide. The complexities that we handle, they're really two-fold. One focus would be on the financial end, and the complexities might involve business valuation, differentiating income from cash flow, understanding the tax consequences of a certain transaction, or understanding certain parts of an executive compensation package. The other part of the complexity would involve children and working out custody arrangements, parenting time arrangements with the understanding that there's no one size fits all when it comes to divorce. Dan: That's great. So Mark, how would you work together and when would you recommend this approach of collaboration? Mark: I think when it comes to divorce lawyers, in working with financial advisors, one of the most underutilized synergies in my particular industry, there are really two different aspects that would come up with this. The first would be while the case is going on. As a divorce lawyer, what I'm looking at is building a statement of net worth, understanding the cash flow for the client, and understanding that client's expenses. And working with someone in Sharon's industry, that person would be able to help me understand what passive income can be generated from the assets in this particular estate. And then also working with her and the client to understand what are the client's expenses going forward, what budgeting we need to do as part of the case so that at the end of the case, the income meets the expenses, and not only looking at it for a particular year but trying to take it out for the rest of the client's life if possible and making sure that the client's financial needs are satisfied long term. Dan: Sharon, can you describe how Wilmington Trust approaches the analytical analysis that Mark has referred to? Sharon: Well, I think Mark’s given a great summary of how colleagues could work together to best support clients. And I think that any analysis has to be grounded in realistic expectations. Typically in the divorce arena, it's very important that a pool of assets generates a specific level of income and that level of income can sustain a lifestyle for a period of time or the client's life. And that leads to the question: how is it possible to sustain a portfolio given a particular set of cash inflows, which can be alimony, can be child support, can be a salary, and other particulars like living expenses, taxes, educational expenses. So, the analytical tools that I've been describing, they project the cash flow on a year by year basis as my access. Or you could plan out way into the future and have a year by year breakdown of what to expect. And as I mentioned, this typically provides an attorney negotiating a divorce settlement agreement with wonderful information to leverage to best advantage for their client. Dan: So that sounds very necessary and very thorough to me. Sharon: Absolutely. Because at the end of the day, it's all about the data. It's all about making a case for what your client needs, and if you could show the data, which is sophisticated data, not an Excel spreadsheet, but data that is impacted by different market environments and by different needs and expectations of clients, you could really have a dynamic presentation that adds a lot of value to those discussions. Dan: So Mark, can you describe to me what the second part is? Mark: Well, the first part I mentioned was working with someone in Sharon's industry while the case is going on to plan for the future. But the biggest mistake people in my industry make is at the end of the case is they just hand the client a check and say, have a nice life. And that's not where it should end. That should be the halfway point. We put together a plan and now we need to make sure that there's somebody out there who can implement it. So, it's important to take that plan and sit down with someone in the financial services industry and say, how do we make this plan come to life? And that takes the transition from the divorce lawyer to the financial service industry and making sure that the cash flow that I was projecting is there for the client, they understand the budgeting, and that there's somebody there in the long term to implement the plan and look over the plan and make sure the client's taken care of. And this is something that a lot of divorce lawyers, in my opinion, don't think about. And they just get to the end of the case and say to the client, here's your money and have a nice life, and it really can't be that way. I personally think that's irresponsible and really the best practice would be to work with someone in Sharon's industry while the case is going on to do the planning and then at the end of the case to implement the plan. Sharon: Right. And I've actually seen Mark in action in that regard. So, it's not just advice that he's giving that he doesn't fully embrace. And it was wonderful to see Mark in action taking the client through the whole phase of pre-divorced, divorced, and afterward to show that he really cared about her and helped her move on with it. So, I'm a big proponent of Mark's advice and, as I say, I've seen him in practice, and it worked out really well for him and his client. Dan: It sounds like it's a way to do it. Mark: Well, in most instances, you're working with someone who has no experience in managing their finances, managing their money, doing their financial plan. And not only don't they have that experience but when they're coming to see me, they're scared to death about what their future's going to look like. So it's my job to be able to say there is a future after divorce and to be able to take the resources that they bring to the table, whether in terms of their net worth or in terms of their cash flow and be able to have it make sense to them and be able to show them what it's going to look like going forward. So, you can see somebody take a deep breath. When you start doing that, they come into your office and they're just scared of what's going to come. And to the extent that you can put together this plan or talk to them about how you're going to put together the plan, you can see somewhere to go. And they know there's somebody out there that understands what their problems are and then how to solve them. Sharon: And let me just add on to that because I totally agree with you. And oftentimes in my seat, I see people come to me and they've not been handling the financial side of a marriage. A spouse has been handling that, so they feel overwhelmed, they feel alone, they feel like they're not able to handle it. So, you have to take the time to educate people and to describe the process against the backdrop of what they're going through, and you have to be sensitive to where they are in their lives. But oftentimes when you do that, you actually see a transformation into a poised self-confident person who, although they're going through a very sad phase in their lives, they're actually glad that they had a chance to show that they can do it, that they've proven it to themselves. And it's very rewarding to see that transformation for someone who, even though they're going through a very sad time, was able to view the future with some optimism. Mark: But to be able to do this right, this synergy between the two industries is most important. There are divorce lawyers out there who just get started, but they don't understand anything about finance, so they can't say anything intelligent to the client to take the edge off. On the other hand, there are financial planners out there. Clients say, tell me what I need for the future. And they start putting together a financial plan without talking to the divorce lawyer and have any clue what the assets are, what the income is, and what the expenses are. And this really needs to be done together to put together the best long term plan for the client. Sharon: So, collaboration is the key. Well, just really to add on to Mark's comment, which is in sort of phase two post-divorce, there is so much that needs to be done in order to help clients move on with the rest of their lives. So, for example, all of their estate planning documents need to be reviewed because typically they all need to be updated to reflect new beneficiaries. Insurance needs to be reviewed, and oftentimes, as I was mentioning, one spouse hasn't been involved with the financial side of the marriage, and they may not even be used to writing checks. So, oftentimes we find that clients really want family office services. They want bill pay, they want advice about taxes and tax preparation. So, we help bring it all together so that they feel comfortable and so that they have all the advice they need to move on to the next chapter. This is critical. Dan: Sounds essential to me as well. Sharon, let's talk about trusts for a minute. Do you have any tips for dealing with a trust created during the marriage when negotiating a divorce settlement agreement? Sharon: Yes, absolutely, and there has actually very recently been a very significant change in the law regarding the taxation of trust income after divorce. Individuals can create trusts and transfer assets to those trusts, and those assets will be out of their estates for estate tax purposes if structured properly, but they can continue to own the trust for income tax purposes. And that's a so-called grantor trust. And you might ask, why would anybody want to give away assets and remain on the hook? And the answer is that's perfect estate planning because the individual who creates the trust pays the tax liability of the trust and relieves the beneficiaries of the trust from that tax burden. So, in essence, the trust is allowed to grow tax-free, and of all the estate planning techniques that we have in our arsenal, tax-free growth is the best of them all. And in actuality, the grantor or the creator of the trust is making a gift to the beneficiaries of the trust in paying those taxes. But the IRS does not consider it a gift. And that's why I say it's perfect estate planning. Now, the way it impacts the matrimonial situation is if spouses created a trust while they're married, one spouse creates a trust and the other spouse can potentially receive income from that trust. By its nature, that will be a grantor trust. The problem becomes when the spouses get divorced because grantor trust status is determined at the time the trust is created and it doesn't take into account the fact that parties get divorced. So, if parties get divorced and grantor trust status remains, it means that the person who created the trust will continue to be liable to pay the taxes on distributions received by a beloved ex-spouse forever. And that's a horrendous result, and obviously not a result that the creator of the trust would have anticipated. Until December of 2018, there was a section of the Internal Revenue Code, Section 682, which saved the day. And section 682 said in that scenario, if people get divorced and a distribution is made to an ex-spouse, the ex-spouse picks up that distribution in her income and it is not attributable to the creator of the trust. Unfortunately, as I said, the protection of that section has ended, so if people get divorced beginning in 2019, every trust that was created during the course of the marriage needs to be looked at by the matrimonial attorney to see what are the tax consequences of that trust. And note that the triggering date is divorce beginning in 2019. It applies to a trust created at any time during the course of the marriage. So, a trust could be five years old, 10 years old, and you could have this terrible tax result. So, it's something, and this is a great place for matrimonial attorneys and estate planning attorneys and investment advisors to collaborate because there are some potential fixes to this situation. But you really need collaboration across disciplines. One thing that's possible, and you have to be very mindful not to trigger adverse tax consequences, is terminating the trust on divorce and equalizing with other assets or perhaps modifying the trust and again, equalizing with other assets. Or perhaps including a reimbursement provision in a settlement agreement that reimburses the creator of the trust for the ongoing tax liability attributable to distributions to the ex-spouse. The point is though that if matrimonial attorneys and family lawyers finish the divorce and then say, we'll send you to your trust and estates and investment advisors to redo your planning, the opportunity to fix that skewed tax result will have been lost. This is something that needs to be addressed during the course of the negotiations, during the course of the divorce proceeding. Dan: So I know Mark wouldn't make that mistake. Mark: You're exactly right in the comment that you made. I'm working more and more with trust lawyers every day while these cases are going on, part of my job is to look at the assets of the parties and decide what's a marital asset, what's not a marital asset, but separate from what are the assets of the parties. There may be something that somebody says, that's not one of our assets anymore because it's an irrevocable trust. And something that's an irrevocable trust in most States is outside of the marital estate, and it's not divisible by the court incident to a divorce. So, one of the things we're looking at is if there are millions of dollars in the trust that may be outside of the estate, was there any element of control that was retained by either of the parties that may bring that asset back within the marital estate? And frankly, I was working on a case not too long ago, and I happened to read Sharon's article on the change in the tax law, and that triggered something and I said, wait a second, the spouse having to pay the tax and perpetuity going forward, that's an element of control that we need to look at. And I don't know yet whether we'll be successful in bringing that into the marital estate, but the idea wouldn't have been there without working with Sharon on that particular issue. And because of that, I've been working more and more with trust lawyers every day. Dan: That makes sense. Mark, do you have any other tips for practitioners when negotiating divorce settlement agreements? Mark: Well, I could go on and on with that for days and talk about finances in particular provisions to include in the settlement agreement pricing. I think the single most important thing is managing expectations. And that's what lawyers don't do a good job of is telling clients what they need to know rather than what they want to hear. So often clients come into your office and say, I want this, I want that. And too often lawyers out there are saying, sure, no problem. I can get that for you. Rather than sitting back and managing the expectation from the beginning and say “let's talk about what's real and let's talk about what you really need to know”. Because when the client, when the lawyers don't manage the expectations, it gets a bad result for the client. Even if it looks good on paper, the client's not going to appreciate it in relation to what otherwise would have been achieved. And the way I'm always looking at this, the analogy I use is going to the optometrist's office. You walk into the office, and you think you see things clearly, and suddenly they start dropping these different lenses in front of you and they put one lens in and it looks a little different. They put another lens in, and it looks a little different and they put in the final lens, and suddenly you're seeing a whole different picture. And when a client comes into the divorce lawyer’s office, it's the lawyer's job to say, this is what the law is in your state. This is what this judge in your case might likely do. In this particular case, this is what's happened. In other cases, this is what happens with this particular lawyer on the other side of the case, and it really changes what the client's expectations may be at the end. And to the extent that a lawyer can manage those expectations from the beginning and paint a real result for the client, they're going to more satisfied clients at the end of the day. Sharon: I couldn't agree more. And actually, I think this sort of plays back to the analytics and the importance of having data to put things in context and running different scenarios. So, when you're running cash flow projections, you have to show a client several different scenarios to show what's possible. And the expectations have to be grounded in reality. Cash flow projections might have to take into account the cost of living adjustments, may be an expense that's going to be incurred somewhere down the line that you want to take into consideration there and then. You've got to make some assumptions about what the market is going to deliver. Some assets like retirement assets can grow. You also have to build in actuarial assumptions about taking required minimum distributions from certain assets once you reach the appropriate age. So, there's a lot of different moving parts, but I think if you show people the data in different scenarios and what they might expect, I think those lenses become a little bit clearer. Mark: And this goes back to what I was talking about at the beginning. A lot of times people come to me and they've already met with a financial planner who's put something together with just no clue about what the reality is. And the client comes in and says, well, you know, based on this, I need $400,000 a month and $20 million in my bank account to start. I'm like, that's nice, but you don't have that kind of money. And to the extent that a lawyer's working with the financial advisor or the financial advisor, if that's where the client goes first, brings in the lawyer, and they can work together. They can really manage those expectations from the beginning to create a satisfactory result where the client at the end of the day is proud of what their team accomplished. Dan: It certainly is abundantly clear to me that you combine knowledge of the law with passion and compassion for your client and that you're truly looking out for their best interests. And so, I think that's also why you think that you should bring professionals in throughout the process that can help, and not just try and handle it all on your own. You recognize it. You can use a professional like Sharon and need a professional like Sharon to truly do a great job for your clients. Is there anything else that you want to add to this conversation that we've missed? Mark: I would just add this final thought. I was talking about how at the end of the divorce case, that's only halfway through the process and it's important then to work with a financial advisor to implement the plan, but that's not necessarily the end of the divorce lawyer’s role. And I think it's important that there be annual follow up meetings with the entire team to say is the plan working? Do we need to make any changes to the plan? In some cases, we go back to the court and we can modify child support. We can modify spousal support in order to get more money if need be in order to make the plan work. And sometimes there needs to be changes made to the estate plan and to the extent the whole team can get together on an annual basis. It serves the client's best interest, I think in the long term. Sharon: I couldn't agree more. I think it's so important for the whole team to get together periodically to review where the client is because a plan is dynamic. It has to change with family circumstances, with the investment landscape, with other things that are individual to each particular client and getting together with a team of professionals, each of which is a specialist in his or her own area of expertise really means that you're bringing all the information necessary to best serve the client together. And oftentimes it's a matrimonial lawyer, it's a trusts & estates lawyer, it's the investment professional, it could be an accounting professional, but I think everybody needs to be on the same side of the page in order to coordinate all those different moving pieces for our clients. Dan: Well, you certainly have proven that to me here today. And, Sharon, I can't imagine anybody that would do a better job than you would in taking care of a client and their financial concerns. You lost me in many parts of the conversation, and I'm not disappointed with that actually. I like to work with professionals who know more than I do. And you certainly fit into that category. Well, both of you do. So, thank you so much for your time today. It's been a pleasure. Outro: This concludes today’s podcast. Family Lawyer Magazine and Dan Couvrette would like to thank our listeners for joining us in this episode. To learn more about our two guests and the services they offer, please visit Wilmington Trust’s website at www.wilmingtontrust.com/divorce and Mark Bank’s law firm’s website at www.bankrifkinlaw.com.   This presentation is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This presentation is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought. There is no assurance that any estate planning strategy will be successful. The information in this podcast has been obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed. The opinions of the speakers other than Sharon do not necessarily represent those of M&T Securities, M&T Bank or any of its affiliates. IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform you that, while this presentation is not intended to provide tax advice, in the event that any information contained in this presentation is construed to be tax advice, the information was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any matters addressed herein. Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation. Investing involves risks and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful. ©2020 M&T Bank Corporation and its subsidiaries. All Rights Reserved.

How is it possible that we live life at ninety miles an hour but never seem to get to where we want to be? Why do we have more material goods, more access to information, more ways to interact than ever before, yet still feel unfulfilled? Why are we better off than any society in history yet often feel tapped out, unmotivated, overworked, and unsatisfied? Each of those questions has the same answer: We are not practicing awareness. That statement seems pretty simple on the surface, but to practice awareness, you have to stop: stop running from one activity to the next; stop comparing yourself to everyone else; stop trying to be who others think you should be. When you stop all of these things, you give yourself space to quiet your mind, reflect on your experiences, and get to know yourself better. And when you know yourself better, you can identify what you want out of life and pursue it, which leads to a more fulfilled life. The journey to fulfillment begins with an awareness of who you are. Traveling a road of personal growth, you will become aware of what makes you tick—what gives you energy when you think about a certain topic, subject, or pursuit—and what drains every last drop of energy. You may not always like what you discover, but you will be inspired by it. The point is to become aware of who you are and who you're becoming. The journey of self-awareness is powerful because increased awareness brings increased understanding, and increased understanding empowers you to make changes in your life that last.   In this episode, Valeria Teles interviews Robert Commodari about awareness which is one of the many messages in his book: Better Than You Think: Developing Awareness for a More Fulfilling Life. Rob comes from a family of seven siblings growing up in a two-bedroom 1 bath 745 sq ft house in Northeast Baltimore City. He is the son of an Italian immigrant and a red-haired German. Money was hard to come by while growing up. Rob started working at age 11 delivering newspapers and paid his own tuition through high school and college. He played baseball in College while attending Florida Atlantic University in Boca Raton, Fl.   After graduating from FAU, Rob took a job as a stockbroker in North Palm Beach, Fl. Arriving early one for work, in July of 1990, he noticed a book sitting on his mentor's desk, The Greatest Salesman in the World, by Og Mandino which he asked to borrow that evening. Rob finished reading the book that evening and hasn't looked back since. It was after reading The Greatest Salesman in the World and Part II of Og's bestseller that Rob had the inspiration to write and speak. Rob began goal writing in the winter of 1992 but had never set a goal to write a book or speak until 2001.  It was spring of 2001 that he gave his first inspirational speech to a crowd of approximately 650 people. He was then encouraged to join Toastmasters, an international speaking organization to hone his skills as a speaker. It was in 2005 when he wrote a goal to write a book. Rob knew he wanted the book to be centered on the theme of awareness but didn't feel worthy enough of being an author. He struggled for years and wrote sparingly before he finally committed to finishing the writing of his book in January of 2017.  A serial entrepreneur, Rob has been involved in several businesses. He had his own newspaper business from 1994 through Dec 31st of 2003. Rob was partners in a cigar business in the mid 90's. He has flipped a few houses of the years and has spoken to several organizations over that time as well. He has spoken to organizations such as: Wells Fargo, Sherwin Williams, Wachovia, M & T Bank, BB& T Bank, The Baltimore Sun, and others. Rob has spoken to students at schools and inmates in prison several times. When Rob speaks he is moved by the spirit to connect with others and to inspire others to realize their dreams.  To learn more about Robert Commodari, please visit his website: https://www.robcommodariauthor.com/ For Intro-free episodes: https://www.patreon.com/aquestforwellbeingpodcast Podcast Page: https://fitforjoy.org/podcast   ** Bio intro and outro one by Heidi Lynn Peters. 

COVID-19 is having a dramatic impact on the nature of market, credit, financial, and operational risks facing companies. Information about these risks is evolving at a rapid pace. To help risk managers stay informed of the latest developments and address the challenges associated with COVID-19, GARP has launched a podcast series featuring lively discussions with thought leaders and experts. Our first interview is with Ed Amoroso, currently Chief Executive Officer of TAG Cyber LLC, a global cyber security advisory, training, consulting, and media services company supporting hundreds of companies across the world. Ed recently retired from AT&T after thirty-one years of service in the cybersecurity space. In recent years, financial institutions have proven to be vulnerable to cyberattacks, leaving risk teams scrambling.  With more work pushed online than ever before due to COVID-19 – and hackers finding new ways to exploit networks - understanding new and evolving cyber risks is even more critical today. How can cyber risk and risk management in general keep up with the sophistication and scale of potential attacks against company systems in a work environment that has already been disrupted? What role do CROs and risk managers play in this battle and what role do cybersecurity professionals play in risk management in the future.   To access our full library of COVID-19 content click here.     Dr. Ed Amoroso is currently Chief Executive Officer of TAG Cyber LLC, a global cyber security advisory, training, consulting, and media services company supporting hundreds of companies across the world. Ed recently retired from AT&T after thirty-one years of service, beginning in Unix security R&D at Bell Labs and culminating as Senior Vice President and Chief Security Officer of AT&T from 2004 to 2016. Ed has been Adjunct Professor of Computer Science at the Stevens Institute of Technology for the past twenty-seven years, where he has introduced nearly two thousand graduate students to the topic of information security. He is also affiliated with the Tandon School of Engineering at NYU as a Research Professor, and the Applied Physics Laboratory at Johns Hopkins University as a senior advisor. He is author of six books on cyber security and dozens of major research and technical papers and articles in peer-reviewed and major publications. Ed holds the BS degree in physics from Dickinson College, the MS/PhD degrees in Computer Science from the Stevens Institute of Technology, and is a graduate of the Columbia Business School. He holds ten patents in the area of cyber security and media technology and he has served as a Member of the Board of Directors for M&T Bank, as well as on the NSA Advisory Board (NSAAB). Ed’s work has been highlighted on CNN, the New York Times, and the Wall Street Journal. He has worked directly with four Presidential administrations on issues related to national security, critical infrastructure protection, and cyber policy.

Kirsten Haas, Director of Membership Services of the Greater Reading Chamber Alliance sits down with the group manager for commercial banking at M&T Bank, John Perate. They discuss the founding of M&T Bank, and what it means to give back to your community as a member of M&T Bank.

The Baltimore Ravens dismantled the Houston Texans 41-7 at M&T Bank stadium. We get into how the offense was able to get on a roll, how the defense was able to shut down Deshaun Watson and the Texans offense, as well as how the rest of the AFC performed and how it relates back to Baltimore. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you frustrated with where you are at work? Maybe you feel like you aren't advancing as you should be, as you deserve to be, or you struggle to define your own style of leadership. Women leaders (and companies) typically focus on two areas when aiming to advance women in leadership: building business skills and combatting discrimination. However, this leaves out a crucial third and often overlooked area – internalized patriarchal programming. Our special guest today, LeeAnn Mallorie, will be addressing this, along with the importance for women to tap into their bodies and their intuition, what they can learn from them, and how it can help them advance at work. In this episode, LeeAnn Mallorie teaches us: to tap into our intuition again, which we might have stopped listening to at work to pay attention to the cues that our body is giving us a mindfulness exercise that we can use at work the importance of power poses what it means to lead like a woman For a free download, Embodied Practices for Women Leaders, go to http://bit.ly/2019LIMWLDownloads. To find out about her book, and about her women's work, please go to https://www.gutsandgrace.com. See below for more ways to learn about and stay in touch with LeeAnn Mallorie. It would really mean a lot to me if you would go to Apple Podcasts and leave me a review (hopefully a great one!), leave a 5 star rating, subscribe to this podcast so you never miss an episode, and download the episodes! And please spread the word and help our community grow! Thank you so much spending your time with me! And if you aren't following me already, you can find me on Instagram and Facebook, and click here to receive my newsletter. May you live purposefully, may you love yourself, and may you love life. Bye for now! About LeeAnn Mallorie LeeAnn Mallorie is a leadership coach and consultant who helps women tap into the wisdom of their bodies and their intuition, so that they can make a bigger impact without burning out. LeeAnn believes that the key to breaking the glass ceiling at work is a deep understanding of the intersection of leadership and resilience. She helps her clients cultivate mindful self-awareness and develop simple, reliable practices that bring their native superpowers back online at work. As the founder and CEO of Leading in Motion, LeeAnn is passionate about helping women leaders bring forward cutting-edge ideas that serve the greater good. She is committed to the win-win-win–changing industries and organizations for the better, while keeping stakeholder relations in-tact. LeeAnn has supported leaders at diverse organizations like Nasa, Mattel, Logitech, Capital One, M&T Bank, Campbells, Roche, Zymergen, Pace Women's Justice Center and the Edna McConnell Clark Foundation. Her new book, Guts and Grace, teaches women to dismantle the patriarchy, from the inside out. It will be published by Conscious Capitalism Press in January of 2020. Facebook: https://www.facebook.com/leeannmallorie Twitter: @LeeannMallorie Instagram: @lmallorie and @leeannmallorie LinkedIn: https://www.linkedin.com/in/leeannmallorie/

This week, we sat and talked with one of our board members, David Hogue from M&T Bank. Tune in to learn more about loans and about the amazing work they're doing at M&T Bank. 

This week on “In Process: Conversations about Business in the 21st Century,” we continue our third annual series of podcast episodes dedicated to the topic of preparing to sell your business. In this fifth installment of our six-part podcast series, Managing Partner, Evelyn Ashley of Trusted Counsel and Partner, John Monahon, speak with Alvina Lo, Chief Wealth Strategist of Wilmington Trust. She oversees the wealth planning, strategic advice, and thought leadership services for Wilmington Trust’s fast-growing wealth advisory division. Wilmington Trust is a premier provider of wealth and institutional services for M&T Bank, one of the most financially sound and successful companies in the U.S. financial services industry. Many entrepreneurs and business leaders tend to put off thinking about selling their business, and what will happen to their assets without them, until it’s too late. The results of not planning ahead of time are often felt by families as well as business partners. From freezing assets to maintaining life insurance policies on key partners, there are many ways to protect a business that needs to be part of the conversation. Listen to this very informative conversation about estate planning and your business. For this series of podcast episodes, Trusted Counsel has united with GrowthPoint Technology Partners, Wilmington Trust, Aprio, Xcentric which sold to Right Networks, and OnBoard Security which sold to Qualcomm. Is Your Business Ready to Sell?” For more information, and to download our free e-book, visit our virtual event happening now at www.preppingtheprincess.com. During the course of the podcast, entrepreneurs, business owners and C-level executives will learn about: Wilmington Trust Estate planning strategies with respect to recent tax reform Business transition planning Modern trust law Don’t miss a single episode of our podcast show! Subscribe to our show In Process Podcast on iTunes and now on Google Play to receive this episode as well as future episodes to your smartphone. Ask your questions or share your feedback at inprocess@trusted-counsel.com. Connect with Trusted Counsel on Twitter @InProcess and connect with Trusted Counsel on LinkedIn. About Trusted Counsel Trusted Counsel (Ashley), LLC provides seasoned, practical and confidential legal services for businesses. Based in Atlanta, Georgia this corporate and intellectual property law firm is dedicated to serving the unique needs of companies, investors and legal departments. Trusted Counsel’s attorneys make a difference. Their focus is to guide and empower clients with exceptional legal counsel, knowledge and tools that lead to practical, informed business decisions. Trusted Counsel’s Managing Partner Evelyn Ashley and Partner John Monahon co-host “In Process: Conversations about Business in the 21st Century,” a podcast where national guests are interviewed on emerging business trends, ideas and techniques. Visit trusted-counsel.com for more information. Did you enjoy this episode? Please share with someone who might benefit from listening and kindly give us a review.

Bobby Audley is a nationally recognized team-building and group dynamics facilitator. He is a two-time TexX speaker who helps teams and organizations grow through discomfort and challenge. He has worked with teams in over 37 states including the University of North Carolina, Purdue University, Northwestern University, University of Maryland, Team USA Synchronized Figure Skating, and many more. He has brought his messages to groups including M&T Bank, Allina Healthcare, and US Lacrosse.

THEY DID IT!!! AFC NORTH CHAMPS!!! Fred and Scott here to breakdown the Ravens vs Browns game! Baker Mayfield has a great game against this Ravens secondary! The Ravens rushing attack was lethal!! Kenneth Dixon ran like a man possessed!! Can this team carry this same kind of scheme and winning formula into the playoffs? The Chargers come to M&T Bank for this weeks Wild Card playoff game! Fred gives his keys to victory on offense, while Scott gives his take defensively. The Terps mens basketball team bounces back against Nebraska, after a rough week. Does this team have a chance in the Big Ten and making the NCAA tourney? Be sure to tune in for all of this, and more!!

We're back! In honor of National Small Business Week, we visit with Lamont Lee, Supervisory Program Director of the Department of Housing and Community Development's (DHCD) Small Business Technical Assistance program (SBTA). Lamont talks about the role of DHCD in helping small businesses grow and thrive in the District. Next: Access to external financing is critical to business success, but when is the optimal time to start thinking about it, and what are the steps you need to take to get it? Ben Thorne, Business Banking Relationship Manager at M&T Bank talks to us about all things related to business financing. Subscribe and listen now!

Your brand is how your ideal customers see you, and knowing how to implement effective brand development strategies can make or break your business. Today’s guest is the “Brand Maven” - Monokia Nance, and she’s got a value bomb to drop on you. As you hear her story and understand where she’s come from you’ll see why she’s so passionate about the power and benefits of effective branding. In short, it’s because branding starts with learning to be the true you . When you are clear and confident about who you are, you’ll be able to position yourself to appeal to those who need and resonate with the approach you take to what you do. Find out how to build your own brand development strategy, on this episode of Happy Black Woman. Brand development strategies start with being yourself and loving who you are. You will have no hope of creating a successful brand development strategy if you don’t first discover who you are and what you are about. Once you know that - for certain - you have to be committed to it. You have to love it. Then, and only then will you be able to position yourself confidently and with an authority that others are drawn to. It’s the only way you will be able to attract the audience that resonates with who you are and the way you communicate your message. Find out more about developing your own brand strategy on this episode. Clarity is king - it’s the reason people will work with you. When you are clear on the message, approach, and value you bring to the marketplace you are able to portray a confidence that your potential customers or clients need to see. It’s a big part of why they are able to trust you. In this conversation, Rosetta and her guest Monokia Nance talk about how your own sense of confidence enables you to persevere through difficult times and endure the backlash of people who DON’T resonate with your brand and message. It’s a skill every entrepreneur has to learn so make sure you take the time to learn it from Monokia on this episode. Put yourself on a schedule. Do it early in your entrepreneurial journey. One of the most important things to being successful as an entrepreneur, woman, mom, wife, etc. is to put yourself on a schedule. You have the freedom to decide exactly when you are going to do the things that enable you to fulfill your varied roles. You don’t have to be a victim to other people’s demands and whims. Far from being a restraint, a schedule is actually a freeing thing, if you learn to use it properly. Monokia Nance shares how to setup and use your schedule effectively, on this episode of Happy Black Woman. If you aren’t happy in your personal life it will bleed over into your business. One of the things that happen to entrepreneurs unexpectedly is that their efforts to build a business consume their lives over time. They find themselves living more and more for the success of their business rather than intentionally making their business pursuits serve the higher aspirations and goals that make for a good life. On this episode, Monokia Nance shares why it’s important that you focus on a happy personal life completely outside your business and how that happiness or lack of it will impact your business efforts. Outline of this great episode [0:29] Rosetta’s introduction of her guest, Monokia Nance and how they met. [8:05] The relationships Monokia builds to help with brand development strategies. [9:09] Tips for women just getting started: Branding is about owning your own power. [17:18] How to properly assess coaching relationships and the benefit you receive. [19:00] The easiest way to begin branding yourself and choosing the proper platform. [23:10] How Monokia stays focused and productive. [28:51] Books that have impacted Monokia powerfully. [32:28] The #1 piece of advice Monokia has for women starting out. Resources & Links mentioned in this episode www.MonokiaNance.com - Get Monokia’s “12 Areas of Successful Entrepreneurship” Heal a Woman to Heal a Nation BOOK: Conversations With God About Monokia Nance Monokia Nance is a powerful award winning speaker, author and brand manager, with more than a decade of experience working with some of the top brands in the nation. Her acclaimed strategies are impacting the masses for a lifetime, not just for a moment. Monokia is not only the CEO of MoBrands the Agency, a boutique brand management company and consultancy, she is the Co-Founder of Heal a Woman to Heal a Nation Inc. (HWHN) a non-profit community based organization, which promotes holistic wellness for women and families through education, physical and mental health, economic and self empowerment. With membership across the globe, HWHN currently reaches over 250,000 women annually in 25 different countries around the world. Monokia is a proven brand expert and business mentor who has generated over 1.5 million dollars in sales within the last 3 years. Since starting HWHN at the tender age of 18 at Morgan State University, Monokia has committed her life to helping women of color to grow in their purpose, passion and profits. Utilizing her experience working with some of the most brilliant brands in the nation, to include; FORD, BET, Guess, BCBG Maz Azria, Limited Brands and M & T Bank, Monokia is on a mission to help first generation entrepreneurs and creatives create generational wealth for their families.

From Fisher Price toy tape players and micro-cassette recorders in his early years to the latest technology, Christian Rosselli has been speaking and recording his entire life. A theatrically-trained college grad, he initially set his sights on New York City to pursue a career in casting for Film, TV and theater…not acting. A variety of entertainment industry jobs eventually led to his joining the voice over profession. And not just because people told him he had a ‘Great Voice.’ Christian is one of the most sought after male voiceover talents in the greater New York area and the country. His work is versatile and unique, encompassing a wide variety of projects and abilities. His gifted ear, passion for the creative process and skilled craftsmanship enable solid collaboration, bringing each message to a vivid and memorable life. His credits include work with such companies as AT&T, Buffalo Wild Wings, Geico, Lord And Taylor, M&T Bank, Purina, Spotify, USA Today, Reebok, United Healthcare, Boeing and more! For more info on this and other episodes, head over to mikelenzvoice.com.  

How do SBA Loans work? What exactly IS an SBA loan and why would I want one? How do you find the right SBA lender? How do you apply for an SBA loan? Is the approval process more complicated and time-consuming? All of these questions and much more are addressed by Brian Seliber and Craig Hairston of M&T Bank in this episode of Radio Free Enterprise. Debt Capital (loans) are an important option for the owners of main street lifestyle businesses. And the Small Business Administration has made it easier for lenders to say "Yes" to more small business borrowers by agreeing to guarantee the repayment of some portion of the loan should it go into default. But the entire program and the application process seem to be shrouded in mystery and many potential borrowers avoid this avenue because they just don't understand it. In this interview I ask all the questions I could think of to draw out the answers you're looking for about SBA Loans. If you have a question that wasn't answered, contact Brian Seliber of M&T Bank using the phone number below. CONTACT BRIAN SELIBER of M&T BANKTelephone: 703-256-3743

The debut of the B1G Picture series for 2014 features Baltimore based writer and co-host of the Mike Unger.  Mike explains why Randy Edsall isn't the most popular man in Maryland, where Terrapin football falls on fan's priority lists, and what he thinks of the Essen Haus (spoiler: it's fun).  Mike was a lot of fun and it shows in the episode.  If you want to hear more about his trip to Madison, listen to . A fun story.NOTE:  There is one correction to the broadcast.  Mike incorrectly stated that Ohio State would be playing Maryland at M&T Bank stadium this upcoming season.  That is incorrect; Navy will be playing Ohio State there, not Maryland.  The Maryland - Ohio State game will be played at Byrd field in College Park.

Join me and my panel as we preview the Quarterfinal Match up between the USA & El Salvador in the 2013 CONCACAF Gold Cup at M&T Bank in Baltimore, Maryland

Michael Stoler and Brennan Keating, M&T Bank; Vijay Dandapani, Apple Core Hotels; Hank Freid, Impulsive Group and Ian Reisner, The OUT NYC talk about the thriving hospitality industry. Every establishment is busy - in all the boroughs.

Michael Stoler is joined by Frank Giantomasi, Genova Burns Giantomasi & Webster; Peter D'Arcy, M&T Bank; Glenn Markman, Cushman & Wakefield, and James Couglan, Tritec Real Estate to talk about the future of their industries, post Hurricane Sandy.

Banker Executives, D. Cama, Investors Bank; M.Petrula, M&T Bank; K. Lynch, Oritani Bank; and F. Korzekwinski, Flushing Bank talk with Michael Stoler about multi-family rentals, multiple-use properties and the "For Sale" market.

Panel: Ben Stacks, Capital One Bank; John Costa, People's United Bank; Matthew Petrula, M&T Bank

Joseph Ficalora, New York Community Bancorp, Inc. Daniel Harris, The Dime Savings Bank of Williamsburg Ralph Herzka, Meridian Capital Group, LLC Gino Martocci, Commercial Real Estate Lending, M&T Bank

Kevin Cummings, CEO, Inv. Savings Bank Joseph Ficalora, Chairman/Pres. & CEO, NY Community Bancorp, Inc. Daniel Harris, Executive VP., Dime Savings Bank of Williamsburg Gino Martocci, Senior VP., Comm. Real Estate Lending, M&T Bank

James Carpenter, Sr. Exec. VP & Chief Lending Officer, NY Community Bank Roy Chin, Sr. VP, Real Estate Regional Exec. Bank of NY Richard Lyon, Exec. VP, Comm. Real Estate, Capital One Bank Gino Martocci, Sr. VP, Comm. Real Estate Lending, M&T Bank

Sam Giarrusso, Exec. Vice Pres., M&T Bank; Stanley Karp, Executive Vice Pres., Marathon Bank; James J. Carpenter, Sr. Exec. VP & Chief Lending Officer, New York Community Bank; George M. Klett, Exec. Vice Pres., Signature Bank.