Podcasts about Mortar

Geoff shares how Gong cha grew from a single tea shop in Taiwan to over 2,200 locations across 33 countries by staying obsessive about product quality, franchisee passion, and delivering a personalized guest experience at every touchpoint. He breaks down what it takes to scale a globally loved brand into the US market, how Gong cha 2.0 is redefining the in-store experience with technology and design, and why consistency from the tea farm to the handoff moment is the foundation of lasting brand loyalty. Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance. On today's episode, we talk with Geoff Henry, President of the Americas at Gong cha. With over 20 years in the beverage industry spanning Colgate-Palmolive, Coca-Cola, and Jamba Juice, Geoff brings a rare combination of global brand-building expertise and franchise operations know-how to one of the world's fastest-growing bubble tea concepts. Guest Bio: Geoff is a seasoned executive with over 20 years of experience leading many of the world's most recognized consumer brands, including Jamba, Coca-Cola, Colgate, Dasani, Dunkin' bottled coffee, and Gold Peak and Honest teas. Adept at scaling businesses and cultivating collaborative teams, Geoff joined Gong cha in 2023 as President of the Americas region—which includes over 400 locations in the territory, and 225 in the U.S. Under his leadership, Gong cha grew its U.S. store count by 19% YOY, was ranked #1 in the Tea category on Entrepreneur magazine's prestigious Franchise 500® list for the third consecutive year (2024), and awarded category winner of Top Food & Beverage Franchises in the Global Franchise Awards (2023). Prior to taking the helm at Gong cha, Geoff was President of Jamba, where he successfully integrated the company into Focus Brands and led its digital transformation. During his tenure, he returned the brand to growth—driving topline sales, and increasing its development pipeline. Prior to Jamba, Geoff was a senior executive with Coca-Cola for over twelve years, where he oversaw the company's portfolio of water, tea and coffee brands for the U.S. He transformed their tea portfolio to capture the #2 market share position, while also pioneering the company's entrance into the ready-to-drink coffee category. Geoff received his undergraduate degree from Duke University and his MBA from Harvard Business School. He currently serves on the board of advisors for PayQuicker, a global payments platform. TIMESTAMPS: 00:59 - About Gong cha: Brand, services & history 03:14 - Geoff's career journey: Coca-Cola, Jamba Juice & the path to Gong cha 07:36 - Gong cha's North Star 15:20 - Gong cha 2.0: New store design, kiosks, & technology 21:20 - Franchise selection & site strategy 32:37 - Macro trends: Pace of innovation, social media, & AI 38:51 - What's next for Gong cha: Path to 1,000 US locations, licensing & brand expansion SPONSOR: ServiceChannel brings you peace of mind through peak facilities performance. Rest easy knowing your locations are: Offering the best possible guest experience Living up to brand standards Operating with minimal downtime ServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers. LINKS: Connect with Geoff Henry on LinkedIn Follow Gong cha on Instagram Follow Gong cha on LinkedIn Connect with Sid Shetty on Linkedin Check out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How quickly can a physician build wealth after training? In this Milestones to Millionaire episode, we meet a doctor who became a millionaire just four years after completing training while also paying off student loans in only two years. We discuss the financial decisions, habits, and priorities that helped accelerate wealth building early in this physician's career. This episode highlights the impact of intentional financial choices during the first few years as an attending. Mortar Group is a premier real estate investment firm focused on multifamily properties in both ground up and value add projects in the competitive markets of New York City since early 2000s. With over $300 million in assets under management and over 30 investments since inception, their fully integrated firm model allows Mortar to maximize efficiency and value across their investments in these niche markets. Mortar leverages over two decades of experience in architecture, development and asset management in their projects to build value and minimize risk for investors. Invest in tax efficient, high return, risk adjusted strategies with Mortar Group at https://whitecoatinvestor.com/mortar Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

This is a free preview of a paid episode (59 min), exclusively available on our subscriber-only premium feed. Become a premium subscriber to tune into the full episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cubicletoceo.co/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Questions about our premium podcast subscription? Send us a DM ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cubicletoceo Introducing “Revenue → Returns (How My Money Makes Me Money)”: our next case study series where we interview entrepreneurs on how they're investing the money their business makes in ventures outside of their main business to grow their wealth. Kicking off the series with a highly requested discussion on using your business profits to buy another existing business, our founder Ellen Yin debriefs her recent acquisition of Runway Fashion Exchange, a brick and mortar resale store in a college town in Oregon. With details on deal structure, due diligence process, and what returns the store is generating, this is an honest account of what buying a business is actually like — from the first conversation with the seller to now four months in operation as the new owner. Links mentioned in today's episode: Codie Sanchez's episode: https://open.spotify.com/episode/4T1AQVVwDENbIklsKUFTme?si=74b67d89ee9e4123 https://www.bizbuysell.com/ https://flippa.com https://empirebuilders.com https://bizscout.com If you enjoyed today's episode, please: Post a screenshot & key takeaway on your IG story and tag us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cubicletoceo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ so we can repost you. ⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠our premium feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for case-study style interviews every Monday.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 112 of Law and Mortar, Trent Cotney and John Kenney discuss two topics that are top of mind for contractors: emerging opportunities in data center construction and the rising challenge of insurance renewals and risk management.As data centers and warehouses continue to drive construction activity, Trent explains why contractors should capitalize on these opportunities while recognizing that market conditions can change quickly.The conversation then shifts to one of the largest expenses facing contractors today—insurance. John shares why successful renewals begin long before policies expire and why partnering with the right insurance professionals can significantly impact both coverage and cost.Topics include:• The current boom in data center and warehouse construction • Why contractors should avoid assuming today's opportunities will last forever • Insurance renewals and proactive planning strategies • Building effective risk management programs • Finding insurance agents who truly understand construction and roofing • Why coverage and expertise matter more than simply chasing the lowest price • Updates on the upcoming FRSA 104th Convention and ExpoWhether you're evaluating new markets or preparing for your next insurance renewal, this episode provides practical advice to help protect your business and improve profitability.

Note: This episode originally aired in June 2025. The RepcoLite Endura sale mentioned at the end ran through the end of that month.Episode SummaryThis week on Home In Progress, Dan dedicates the entire show to one topic: choosing exterior paint colors without the stress, the second-guessing, or the Smurf house. He adapts a color training that RepcoLite's own Haley developed for store employees, adds a few of his own thoughts along the way, and walks listeners through everything from basic ground rules to architectural styles to brick homes to how many colors are actually too many. Practical, thorough, and worth saving if you've got an exterior project anywhere on your horizon.In This Episode[00:49] -- Sweet Corn Disaster Story[06:20] -- Why Exterior Color Choices Are So Stressful[08:41] -- The Training Framework from Haley[09:39] -- Three Ground Rules Before You Pick a Single Color[13:27] -- Working With What's Already There[20:00] -- Architectural Styles and Their Traditional Color Palettes[25:53] -- Working With Brick[30:08] -- How Many Colors Does an Exterior Need?[33:29] -- Shutters and Doors[34:42] -- Final Tips and Tools[37:43] -- Picking the Right PaintOpening: The Sweet Corn Incident [00:49]Dan opens with a story from his week that he feels compelled to share and equally compelled to forget. Hot dogs and sweet corn for dinner. A deep-in-thought face while eating. His daughter Hannah catching the whole thing and trying not to laugh. Dan catching her. And then, involuntarily, the entire table getting covered in sweet corn. The family was not pleased. The corn was found in unexpected places for weeks. Dan relates this story on live radio to a large audience, which he acknowledges is exactly the kind of decision that defines him.From there, on to the actual show.Why Exterior Color Choices Are So Stressful [06:20]Dan did some research on how other homeowners describe the experience of choosing exterior paint colors. A few real quotes he pulled:"I cried. A lot, actually.""It was the most stressed I've ever been."One person described the finished result as looking "so childish. It was like a Smurf house, and I couldn't afford to have it repainted."It's not an irrational reaction. The exterior of a home is visible to everyone who drives by. Getting it wrong costs real money and time, and it's on display for the whole neighborhood to see. Getting it right matters.The Training Framework from Haley [08:41]This episode is built around a color training module that Haley -- longtime show co-host, now full-time RepcoLite product and color trainer -- recently developed for store employees. Dan adapted it for the show and gives her full credit throughout. What follows is largely her framework, with Dan's thoughts mixed in.Three Ground Rules Before You Pick a Single Color [09:39]1. Colors Look Lighter OutsideOutdoors, with the sun as the light source, your colors are going to look two to three shades lighter than that same color would look inside the home. This is one of the most common exterior paint mistakes. Someone picks a mid-tone gray, it looks clearly gray on the chip, and then comes back to say it looks almost white on the house.The fix: choose colors a couple shades darker than you want the final result to look. It feels counterintuitive, but it's how it works.2. Scale Changes EverythingThe exterior of a home is a huge canvas, and colors gain strength at that scale. The "Smurf house" situation almost always comes from a color that looked good at smaller doses but became overwhelming when it covered the whole exterior.Look for toned colors that have some gray in them. They're easier on the eye, feel more sophisticated, and don't overwhelm at large scale. Good starting places: Benjamin Moore's Affinity Collection, the Historic Collections, and the Williamsburg Collection (144 muted tones inspired by 18th century colonial homes). These fan decks are safe bets that scale beautifully on big surfaces.3. Sample on the Actual SurfaceBenjamin Moore color samples put real paint in your hands. Use them. Paint a large area -- at least two feet by two feet -- directly on the siding, brick, or whatever surface you're actually painting. Texture affects how color looks, so a smooth foam board won't give you an accurate read. Paint the real surface, then observe it in the morning, at midday, and in the evening before you decide anything.Working With What's Already There [13:27]Before you even open a fan deck, take stock of the materials already on your home that aren't changing. These aren't limitations -- they're clues. Constraints, it turns out, actually help narrow decisions rather than just frustrating them. Research in psychology shows that small obstacles can increase creative problem-solving by nearly 40%. The things that feel like limits are often what give you a direction to push from.Landscaping and Fixed Materials [16:06]Landscaping -- Easy to forget about if you're choosing colors in winter, but it plays a big role. A lot of green in the yard -- hostas, ferns, evergreens -- means you probably don't want a green exterior. The house will disappear into the yard. Lots of white blossoms in spring? Maybe skip white for the body color. Look at the dominant tones in the landscaping and choose colors that complement them, not match or compete with them.Unpainted materials -- Stonework, brick, block foundations all have color. If you're leaving them as-is, they should guide your choices. Dan drives past a house where the stone has a cool bluish tone and the new siding clashes with it. From straight on you don't notice it. From an angle where they meet, it's jarring. Let permanent features inform your palette.Gutters, downspouts, fascia, and soffits -- These can be painted or changed, but if you're not planning to, factor them in.Roof Color [17:36]The biggest and least flexible element on most homes. Roofs don't get replaced often, so their color really matters when you're making paint decisions. As a general rule, the body of the house should be lighter than the roof. Gray or black roof: cooler tones like blues and grays tend to work better. Brown roof: warmer tones like beige, taupe, and red are usually a safer bet.Architectural Styles and Their Traditional Color Palettes [20:00]Style Guides, Not Rules [20:00]Unless you're in a historic district with regulations to follow, you're not locked in to any particular color scheme based on the style of your home. Architecture can guide and suggest. It doesn't have to dictate. Dan's main message going into this section: you've got more freedom than you probably think.Colonial Color Classics [21:30](Cape Cod, Georgian, Dutch Colonial)Traditional palette: muted classic neutrals for the body -- crisp whites, soft creams, beiges, grays. Usually paired with darker accent colors for doors, shutters, and trim: dark green, black, barn red, or yellow.Victorian Color Freedom [22:07]Lots of options here. More than most people realize. You can go rich jewel tones like emeralds or sapphires, soft pastels, or anything in between. There really aren't many firm rules with Victorian architecture. If you've got a Victorian home, stretch a little and have some fun.Craftsman Earthy Palettes [22:49](Bungalows, four-squares, Mission-influenced homes)These homes are about warmth, craftsmanship, and natural materials. Traditionally they lean toward earthy, muted colors -- browns, sages, grays. Colors that feel grounded and historically accurate for the style. Mustard and olive accents work particularly well as a way to modernize without losing the character.Ranch and Mid-Century Options [23:53]Mid-century Americana. Earthy tones are most common for the body: beige, taupe, brown, tan. White or brown for the trim. Burgundy or deep green for doors and shutters. That said, ranches in the '50s and '60s could be pretty expressive -- soft pastels on the body with bright doors and shutters wasn't unusual, and it still works on the right house.Working With Brick [25:53]Brick deserves its own section because it shows up across all architectural styles and it's frequently handled wrong.Brick isn't really a single color. It's a texture and a collection of tones that your eye averages into one overall impression. Any painted surface on a brick home -- shutters, trim, doors, foundation -- should take a backseat to the brick. That's the guiding principle.The most common mistake: going straight to white trim. White is too stark against brick. It breaks up the home's natural flow and creates visual tension. The brick is absorbing light while the white trim bounces it back aggressively, and the result just looks wrong.Instead, choose trim colors that recede: dark taupes, browns, blacks, dark blues, teals, greens. These complement the warm orangey-red tones in most brick without competing for attention. The house ends up looking more settled and intentional.If you're committed to lighter trim on a brick home, match the mortar color rather than going white. Mortar is already part of the visual mix that makes up the brick's overall tone, so it works with the pattern rather than against it.How Many Colors Does an Exterior Need? [30:08]No single right answer, but here are some practical guidelines.Two colors -- body plus one accent. Clean and simple. Works well on a ranch or any home where the...

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode, Minh & Debbie discuss the latest Housing Hub quarterly snapshot and what it reveals about the gap between SDA supply and what participants actually want. Debbie and Minh discuss search and vacancy data, the growing preference for living alone or with family, and why building for the category alone misses the point of creating real homes for real people.------------------------LEAVE US A GOOGLE REVIEW!SDA ADVISORY SERVICEShttps://www.sdaadvisory.com.auSDA RESEARCH REPORTShttps://ndis.property/reportsEBOOKS:www.robustdesign.com.auwww.highphysicalsupport.com.auwww.improvedliveability.com.auwww.fullyaccessible.com.auSend us Fan MailNDIS PROPERTY AUSTRALIA:Our team conducts thorough research on Specialist Disability Accommodation (SDA) and provides appropriate technical advice through premium and strategy-based solutions. We also use complex feasibility calculation spreadsheets to help investors understand the expected annual income of an SDA dwelling, the timeline stages of construction of their property, as well as revealing the hidden costs. By staying up-to-date with the latest SDA data and pricing payments information, we help clients make better-informed decisions and achieve their investment goals.FOLLOW US:LinkedInInstagramFacebookCONTACT:Please feel free to call us on 1300 254 397 to talk to one of our friendly staff, otherwise,  just pop on over to our website to find out more.For any podcast related queries or suggestions, please contact our podcast team via podcast@ndis.property

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

All things competitive in the world of Warhammer 40,000. This week, Robert & Eric bring highlights of 4 events from around the world and discuss the recent reveals about the 11th edition.

Ryan shares how the brand scaled from a single Ohio location to 65 franchises across 20 states by prioritizing franchisee selection, site psychology, and a curated in-location experience. He breaks down what it takes to maintain brand consistency at scale and how a membership model creates loyalty that holds even in tough economic conditions.  Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance. On today's episode, we talk with Ryan Rao, Chief Development Officer at VIO Med Spa. With an experienced career, Ryan has helped grow VIO from its founding in 2017 into one of the country's top-ranked med spa franchise concepts, now operating in 20 states and counting. Guest Bio: Ryan Rao is a passionate franchise professional who co-founded Apex Franchise Development Group, a full-service, highly professional business development solution for brands that want to franchise their business or take their current franchise business to the next level. With his entrepreneurial spirit and passion for franchising, Ryan has consulted for multiple franchise-based businesses that grew into national and international brands with a focus on unique and differentiated business models.  Ryan has vast experience in franchise sales, real estate, start-up financing, and the intricacies of growing and developing a brand. He is always looking for new challenges and ways to innovate and improve the franchise industry. TIMESTAMPS: 01:06 - About VIO Med Spa: Brand, services & history 04:56 - Ryan's path into franchising 09:03 - Differentiating in a competitive wellness market 12:40 - Site selection & brand standards across locations 20:52 - VIO's brand & digital refresh 26:59 - Pre- vs. post-COVID consumer mindset & AI strategy 37:12 - Advice for franchise leaders & what's next for VIO SPONSOR: ServiceChannel brings you peace of mind through peak facilities performance. Rest easy knowing your locations are: Offering the best possible guest experience Living up to brand standards Operating with minimal downtime ServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers. LINKS: Connect with Ryan on LinkedIn Connect with Sid Shetty on Linkedin Check out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of the JAMODI Podcast, we sit down with Coach Josh Williams of Clinton High School, one of the top girls basketball programs in Illinois. Coach Williams shares how the Lady Maroons built a championship culture centered around shooting, accountability, toughness, and winning habits.Coach Williams owns a 320-228 career varsity record with four conference championships, three conference tournament titles, multiple 20-win seasons, and two IBCA District Coach of the Year honors. His 2025-26 squad broke school records with 28 wins, 24 straight victories, 193 made threes, and over 60 points per game.In this episode, we discuss:

On this episode of the JAMODI Podcast, we sit down with Coach Josh Williams of Clinton High School, one of the top girls basketball programs in Illinois. Coach Williams shares how the Lady Maroons built a championship culture centered around shooting, accountability, toughness, and winning habits.Coach Williams owns a 320-228 career varsity record with four conference championships, three conference tournament titles, multiple 20-win seasons, and two IBCA District Coach of the Year honors. His 2025-26 squad broke school records with 28 wins, 24 straight victories, 193 made threes, and over 60 points per game.In this episode, we discuss:

On this episode of the JAMODI Podcast, we sit down with Coach Josh Williams of Clinton High School, one of the top girls basketball programs in Illinois. Coach Williams shares how the Lady Maroons built a championship culture centered around shooting, accountability, toughness, and winning habits.Coach Williams owns a 320-228 career varsity record with four conference championships, three conference tournament titles, multiple 20-win seasons, and two IBCA District Coach of the Year honors. His 2025-26 squad broke school records with 28 wins, 24 straight victories, 193 made threes, and over 60 points per game.In this episode, we discuss:

On this episode of the JAMODI Podcast, we sit down with Coach Josh Williams of Clinton High School, one of the top girls basketball programs in Illinois. Coach Williams shares how the Lady Maroons built a championship culture centered around shooting, accountability, toughness, and winning habits.Coach Williams owns a 320-228 career varsity record with four conference championships, three conference tournament titles, multiple 20-win seasons, and two IBCA District Coach of the Year honors. His 2025-26 squad broke school records with 28 wins, 24 straight victories, 193 made threes, and over 60 points per game.In this episode, we discuss:

On this episode of the JAMODI Podcast, we sit down with Coach Josh Williams of Clinton High School, one of the top girls basketball programs in Illinois. Coach Williams shares how the Lady Maroons built a championship culture centered around shooting, accountability, toughness, and winning habits.Coach Williams owns a 320-228 career varsity record with four conference championships, three conference tournament titles, multiple 20-win seasons, and two IBCA District Coach of the Year honors. His 2025-26 squad broke school records with 28 wins, 24 straight victories, 193 made threes, and over 60 points per game.In this episode, we discuss:

In Episode 111 of Law and Mortar, Trent Cotney and John Kenney shift from market pressure to industry perspective—covering rising fuel costs, workforce discussions in Washington, and the importance of preserving roofing history.Trent shares insights from Roofing Day in DC, where conversations centered around immigration, affordable housing, and OSHA regulations—issues that continue to shape the future of the construction workforce.John and Trent also highlight a different side of the industry: history. From vintage advertising to company evolution, both discuss their passion for preserving roofing's past and why it matters for the next generation of contractors.The episode also answers a listener question on manufacturing defects, with practical guidance on handling issues professionally—working with manufacturers, focusing on quality control, and avoiding unnecessary legal conflict.Topics include:• Rising fuel costs and operational impact • Workforce and regulatory discussions from DC • The value of preserving roofing industry history • Handling manufacturing defects the right way • Why collaboration often beats confrontationThis episode blends industry insight with perspective—reminding contractors that while markets change, fundamentals and relationships still matter.

Liquor, Malls, & Demons. Listen. Leave a Review. Get Patreon. Enjoy!! Check out The Cover to Cover Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/franjola⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ COVER TO COVER MERCH!!! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CLICK HERE!!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----------------------------------- VISIT OUR SPONSORS!! ----------------------------------- Eat Healthy AND Convenient with FACTOR! Get 50% Off with Code: covertocover50off Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠factormeals.com/covertocover50off⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ Get Lifted, But Not Too High, with LUMI! Get 30% Off Your Order Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lumigummies.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and use Code COVER ------------------------------ Shave Your Parts with MANSCAPED! Get 20% Off + Free Shipping Code: COVER Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.manscaped.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ Conquer your wellness with THRIVE! $30 Off Your First Order + A FREE $60 gift. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thrivemarket.com/cover⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ CASH-MERE Outside, How Bout Dat? With QUINCE! Get Free Shipping + 365 Days Return Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.quince.com/cover⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ Take a Mental Health Break with BETTERHELP! This episode is Sponsored by Betterhelp, get 10% off your first month, Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BetterHelp.com/c2c⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ Shop Healthy, Eat Healthy with HUNGRYROOT! Get 40% off and A Free Gift FOR LIFE Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hungryroot.com/cover⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Code: COVER ------------------------------ Better Mobile at a Better Price with MINT MOBILE! Get 3 Months for $15/Month + Free Shipping Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MintMobile.com/cover⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------------------------------ Follow Chris: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.franjola.fun/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/chrisfranjola/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Alex:   ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/conn.tv/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/Conn.TV Learn more about your ad choices. Visit megaphone.fm/adchoices

Rigvi breaks down what truly useful AI looks like, grounded in outcomes like spend optimization, revenue protection, and predictive maintenance, not just convenience features or marketing buzz. He also makes the case that AI won't replace FM professionals, it will finally let them do the job they were always meant to do. Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance. On today's episode, we talk with Rigvi Chevala, Chief Product and Technology Officer at ServiceChannel. With over 20 years in B2B SaaS across industries ranging from local marketing to trucking to real estate, Rigvi brings a uniquely cross-industry lens to the challenges and opportunities facing facilities management today. Guest Bio: Rigvi is an experienced management executive with strong leadership skills and over 20 years of experience in software and product development and has led multiple product lines with >$200M in ARR. He manages and and executes product roadmaps and organizational strategy with experience in evolving B2B SaaS products and reusable digital platforms. TIMESTAMPS: 00:52 - About ServiceChannel 04:19 - What surprised Rigvi about facilities 08:47 - Key unsolved challenges in the industry 11:37 - Defining useful AI vs. marketing noise 15:08 - Breaking down AI types (generative, agentic, computer vision) 28:33 - Why 90% of AI initiatives fail 33:54 - Will AI replace FM roles? 39:37 - Advice for leaders evaluating AI tools SPONSOR: ServiceChannel brings you peace of mind through peak facilities performance. Rest easy knowing your locations are: Offering the best possible guest experience Living up to brand standards Operating with minimal downtime ServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers. LINKS: Connect with Rigvi on LinkedIn Connect with Sid Shetty on Linkedin Check out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's show, we explore through our new series "Brick, Mortar and Beyond" how operating a successful business in 2026 takes patience, imagination and a connection with customers. We also learn that if you're hitting the course this weekend—the disc golf course—you have options. Plus, we hear about the connection between public media and local bands.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Kevin Cohee.Title: Owner, Chairman & CEO of OneUnited BankHost: Rushion McDonaldPodcast: Money Making Conversations Masterclass Kevin Cohee discusses the mission, history, and future of OneUnited Bank, the largest Black‑owned bank and the first Black‑owned internet bank in the U.S. The conversation connects Black economic history, financial literacy, technology (AI), and wealth-building, positioning OneUnited Bank as a modern solution to long‑standing financial exclusion in Black and underserved communities. Purpose of the Interview The interview is designed to: Educate listeners on why Black-owned banks matter historically and economically. Explain how technology has transformed banking, making location irrelevant. Address financial exclusion, particularly reliance on check-cashing services. Promote financial literacy as the foundation of wealth creation. Position OneUnited Bank as a practical, accessible tool for individuals, entrepreneurs, and communities to build equity. Key Themes & Takeaways 1. A Mission Rooted in Black History Kevin Cohee frames OneUnited Bank as part of a long historical vision, not a modern trend. Leaders such as Booker T. Washington, W.E.B. Du Bois, and Dr. Martin Luther King Jr. all advocated for a national Black-owned bank. Cohee’s own family legacy ties back to Black Wall Street in Tulsa, Oklahoma, including land ownership stemming from negotiated “40 acres and a mule” outcomes. Takeaway: Economic independence has always been central to Black progress. 2. From Brick-and-Mortar to Digital Banking OneUnited originally grew by acquiring small Black-owned banks nationwide. The bank pivoted early toward technology-driven banking, recognizing that: Customers expect 24/7 access Physical branches are no longer required Digital reach enables national—and global—impact Key insight: Technology allowed OneUnited to become a national Black bank without national branches. 3. Financial Technology Built for Real-Life Problems Kevin Cohee emphasizes that OneUnited designs products around how people actually live, not just traditional banking norms. Examples include: Second-chance checking accounts Emergency small-dollar loans Alternative credit criteria Nationwide surcharge-free ATM access AI-powered tools that help users understand: Cash flow Assets vs. liabilities Net worth (or debt) Financial decision-making in real time Takeaway: Banking should help people function—not punish them for past mistakes. 4. Financial Literacy Is the Real Wealth Gap Cohee states that 90% of Americans are financially illiterate, largely because: Financial literacy is not taught in K–12 education He compares this to not teaching reading—and then blaming people for illiteracy. OneUnited uses AI and data aggregation to help customers make expert-level decisions without being experts. Key message: Financial literacy, not income alone, determines long-term wealth. 5. Ending Dependence on Check-Cashing Services Kevin sharply criticizes high-fee check-cashing businesses that dominate underserved neighborhoods. OneUnited offers digital check deposits, debit cards, and ATM access—removing the need for physical branches. Anyone, anywhere in the U.S., can bank with OneUnited via oneunited.com. Takeaway: Lack of access is no longer an excuse—awareness is the missing link. 6. Technology as the New “40 Acres” Kevin draws a powerful parallel: Land ownership was once the primary source of wealth. Technology and financial literacy are today’s equivalents. Entrepreneurs no longer need to manufacture products—branding, distribution, and digital reach are the new leverage. Key insight: Technology levels the playing field—if people understand how to use it. 7. Mandatory Financial Literacy as a Policy Solution Kevin advocates for required financial literacy courses in all U.S. schools. He cites research showing: One required high-school financial literacy course can generate $100,000+ in lifetime net worth per student. He frames this as a matter of equity, not preference. Takeaway: Systemic problems require systemic solutions. Notable Quotes “The concept of a national Black-owned bank goes all the way back to slavery.” “We’re not behind in technology—we are the party.” “Ninety percent of Americans are not financially literate.” “You don’t have to go to check cashers and get ripped off.” “Technology is the new 40 acres.” “Financial literacy alone can generate over $100,000 in net worth per person.” “There has never been a better time to build a business than right now.” Overall Impact This interview is both a financial masterclass and a historical lesson. Kevin Cohee reframes banking as a tool of empowerment, not just transactions, and positions OneUnited Bank as: A modern solution to historic exclusion A technology-first institution built for underserved communities A catalyst for financial literacy, entrepreneurship, and wealth creation Final message: Access + education + technology can finally close the racial wealth gap—if people choose to engage. #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

rWotD Episode 3251: Domain decomposition methods Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Sunday, 29 March 2026, is Domain decomposition methods.In mathematics, numerical analysis, and numerical partial differential equations, domain decomposition methods solve a boundary value problem by splitting it into smaller boundary value problems on subdomains and iterating to coordinate the solution between adjacent subdomains. A coarse problem with one or few unknowns per subdomain is used to further coordinate the solution between the subdomains globally. The problems on the subdomains are independent, which makes domain decomposition methods suitable for parallel computing. Domain decomposition methods are typically used as preconditioners for Krylov space iterative methods, such as the conjugate gradient method, GMRES, and LOBPCG.In overlapping domain decomposition methods, the subdomains overlap by more than the interface. Overlapping domain decomposition methods include the Schwarz alternating method and the additive Schwarz method. Many domain decomposition methods can be written and analyzed as a special case of the abstract additive Schwarz method.In non-overlapping methods, the subdomains intersect only on their interface. In primal methods, such as Balancing domain decomposition and BDDC, the continuity of the solution across subdomain interface is enforced by representing the value of the solution on all neighboring subdomains by the same unknown. In dual methods, such as FETI, the continuity of the solution across the subdomain interface is enforced by Lagrange multipliers. The FETI-DP method is hybrid between a dual and a primal method.Non-overlapping domain decomposition methods are also called iterative substructuring methods.Mortar methods are discretization methods for partial differential equations, which use separate discretization on nonoverlapping subdomains. The meshes on the subdomains do not match on the interface, and the equality of the solution is enforced by Lagrange multipliers, judiciously chosen to preserve the accuracy of the solution. In the engineering practice in the finite element method, continuity of solutions between non-matching subdomains is implemented by multiple-point constraints.Finite element simulations of moderate size models require solving linear systems with millions of unknowns. Several hours per time step is an average sequential run time, therefore, parallel computing is a necessity. Domain decomposition methods embody large potential for a parallelization of the finite element methods, and serve a basis for distributed, parallel computations.This recording reflects the Wikipedia text as of 01:10 UTC on Sunday, 29 March 2026.For the full current version of the article, see Domain decomposition methods on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Jasmine.

The Late Crew is joined by Ken Ramos from WTF Nation! We start the show with a discussion on VA compensation and how civilians are now looking side-eyed at compensation levels (02:07). We then shift to how a picture of Jesus Christ firing a mortar has raised such controversy (33:28). Our Man in the Closet closes the show by telling us about Eloise Page, the first female CIA station chief (52:31). https://lateforchangeover.com/

Michelle describes how Truly Nolen's “Yellow Standard” prioritizes proactivity over reactivity and innovating with purpose. She also emphasizes that great customer outcomes start with taking great care of employees.  Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance. On today's episode, we talk with Michelle Nolen, owner of Truly Nolen. Founded in 1938, Truly Nolen is one of the largest family-owned pest control companies in the United States.  Guest Bio: Michelle is an experienced executive in marketing, strategy and enterprise level project management. She's a strategic consultant and innovative problem solver to Fortune 100 companies, large family owned businesses and entrepreneurs. Community focused and driven, Michelle always strives for immediate and sustained success. TIMESTAMPS: 00:44 - About Truly Nolen 04:15 - Leadership in a family business 08:14 - The Yellow Standard 12:55 - Evolving customer expectations 22:55 - The skilled trades gap 26:55 - Gauging success 32:19 - Advice for young leaders 34:28 - Where to find Michelle SPONSOR: ServiceChannel brings you peace of mind through peak facilities performance. Rest easy knowing your locations are: Offering the best possible guest experience Living up to brand standards Operating with minimal downtime ServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers. LINKS: Connect with Michelle on LinkedIn Connect with Sid Shetty on Linkedin Check out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Don D and Bigg Doom are Back With Another One! We Are Joined By Art. First, We Start with Selling Online vs In Person, Women Can Dress Cheap, Taking Girls to The Same Place, Quitting the Brick and Mortar, and Money Makes A Good Marriage! Then, We Move On To Spending 10K on The Baby Shower, Intergeneration Raising, Atlanta Hawks and Magic City Collab, Coming in 30 Minutes Before Closing. We End With Cocked Eye vs Lazy & More!To See More of Our Guests, You Can Follow him @goldenchildart1!

Law and Mortar – Episode 110In Episode 110 of Law and Mortar, Trent Cotney and John Kenney take a hard look at the current state of the construction and roofing markets.Contractors across the country are still busy—but as John explains, busy doesn't always mean healthy. Over the last six months, warning signs have begun to appear in the form of declining margins, delayed project decisions, and increased cost pressures.In this episode, Trent and John discuss:• Why contractors must evaluate profitability, financiability, and executability before taking on work • Market uncertainty caused by tariffs, immigration issues, and geopolitical pressures • Rising fuel, freight, and material costs affecting contractor margins • Survival strategies during a softening market • The importance of disciplined estimating, labor planning, and job costing • Why accounts receivable management and lien rights matter more than everThey also discuss how contractors can use AI to identify collection trends—while still maintaining hands-on oversight for overdue accounts.This episode is a practical conversation about protecting margins, maintaining discipline, and navigating uncertain market conditions.

Mitch and Jen hit the dive bar The Brick and Mortar music hall in San Fran to see Jamie Fine and by the way WWIII started!!

Welcome to the new era of the podcast. After years as Brick + Mortar Visibility, we're officially stepping into something bigger: The Visibility Podcast.And here's why.If you're a brick and mortar business owner, local business leader, or small business founder who feels a little… stuck — this episode is for you.Maybe what used to work in your marketing isn't working anymore. Maybe you've added more services, more offers, more team, but growth feels heavier instead of clearer. Maybe your visibility feels scattered.You're not failing.You may just be disconnected from the original engine that built your momentum.In this episode, I'm sharing:Why we rebranded from Brick + Mortar VisibilityThe real reason so many small businesses stall after early successHow marketing shifts over time (and why that matters for local businesses)What I learned from pivoting my own brick-and-mortar studioOne powerful question to ask if your business feels stuckWhether you run a storefront, a service-based local business, or a growing small business online, visibility is the game.And this podcast is about building it on purpose.Because being good at what you do isn't enough anymore.You have to be seen. You have to be known. You have to be trusted.Let's make your business impossible to ignore.Your GO-TO LINK for all things Visibility-: Google Business Profile Optimization, The Website + Social Media Audit, The Visibility Blueprint, Newsletter, & Referral Partners.Love today's podcast?

Today we'll be talking about a flare up in tensions along the Cambodian border as a mortar round drops in Thai territory, an influencer's advice on dodging police checkpoints stirs up some controversy, and a little later an up date on the ‘love guru' monk who appears to have been juggling up to six women!

Mortar for Living Stones (The Gift of Each Other) // Dominick ButlerMain Text; Col 4:7-18--------------------------------------------------------------------------------------------------------------------------For more information visit; https://goldstreetgarden.com

Law and Mortar – Episode 109In Episode 109 of Law and Mortar, Trent Cotney and John Kenney break down the latest Supreme Court ruling on President Trump's tariffs and what it means for roofing contractors and construction businesses moving forward.While the ruling may have been unfavorable in some respects, tariffs aren't going away. Trent and John discuss why contractors should stay disciplined in their pricing strategies and prepare for continued volatility under new legal frameworks.They also shift gears to talk about life on the road — sharing real-world travel strategies for contractors balancing training, consulting, and family commitments. From time zone management to staying healthy while traveling, this episode provides practical insight for busy professionals.Plus, they answer a listener question on a critical business topic: • Should contractors lease or buy equipment? • When leasing makes sense (especially for vehicles) • Why owning trade-specific equipment often provides better long-term valueThis episode blends legal insight, operational strategy, and practical contractor advice — exactly what Law and Mortar is known for.

Will Bain checks in with a UK house builder to see if we are building quickly enough to meet the government target of 1.5 million homes to be built over the next decade. Also we will be hearing from a UK chocolate maker on how they will adapt as the price of cocoa drops due to oversupply. Elsewhere we will hear about the Lunar New Year economy as we welcome the year of the Fire Horse.

FDA Removes Black Box Warning on Estrogen: HRT Game-Changer for Women's Health After 23 years, the FDA removed the black box warning on estrogen products—a landmark decision transforming hormone replacement therapy (HRT) for women. In this episode of the Mortar and Pestle podcast, hosts Mike De Lisio and Sebastian Dennison discuss this breakthrough with Sara Hover, Senior Director of Clinical Services at PCCA.   What You'll Learn: Why the 2002 Women's Health Initiative study was flawed and created decades of HRT concerns The timing hypothesis: why age matters when starting hormone replacement therapy Synthetic vs. bioidentical hormones and their clinical differences Oral estrogen delivery systems and safety implications Shared decision-making between patients, prescribers, and pharmacists Why compounded HRT solutions matter for patients who don't fit commercial products Hormone testing modalities and why multiple testing methods are essential Vaginal estrogen's role in preventing UTIs and hip fractures How pharmacists can educate providers and patients on HRT safety   Topics Covered: Black box warning removal, hormone replacement therapy, bioidentical hormones, menopause management, compounding pharmacy, women's health, estrogen, patient monitoring, HRT dosing strategies   Perfect for: Compounding pharmacists, healthcare providers, and anyone seeking evidence-based information on hormone replacement therapy.   Links: Why VersaBase Cream Is Your Best Choice for Women's HRT The Vaginal Microbiome, Menopause & HRT A Personalized Approach to HRT for Perimenopausal Women Backed by Science: Anhydrous VersaBase® HRT Optimizing the Patient Experience with the Right HRT Base: Insights from the Webinar

Meet Chef Patty, a food entrepreneur who turned homesickness for Nigerian food into a thriving food truck empire. In Episode 198 of On the Delo, Delo sits down with Chef Patty to explore how she traded healthcare administration for authentic West African cuisine, built Lasgidi Cafe from the ground up with just $50K, and is now planning a brick-and-mortar location to scale her vision. From selling 50 tickets to backyard pop-up events in two weeks to serving 112 meals per shift, Chef Patty shares the real story of building a culturally rich brand in Phoenix's competitive food scene.In this deep dive, you'll hear about the challenges of launching a mobile kitchen, the gas leak incident that nearly ended everything, how she balances family, adjunct teaching, and entrepreneurship, and her strategic menu design that uses gateway dishes like suya tacos to introduce customers to authentic Nigerian flavors. She also opens up about the importance of community partnerships, staying accessible to customers, and keeping her social media authentic—because authenticity, she believes, is what builds lasting loyalty. If you're an entrepreneur, foodie, or anyone interested in how resilience, cultural pride, and smart strategy combine to build a sustainable business, this conversation is for you.Chapter Guide (Timestamps):(0:00 - 2:15) Intro, Delo's Cold Open, and Meeting Chef Patty(2:16 - 5:30) From Healthcare Administration to Nigerian Food: The Homesickness That Sparked It All(5:31 - 10:45) The Pop-Up Events That Changed Everything: 50 Tickets Sold in Two Weeks(10:46 - 15:20) Building the Food Truck: Investment, Timeline, and the Leap from Pop-Ups to Mobile(15:21 - 20:30) Balancing Family, Teaching, and Entrepreneurship: How Chef Patty Manages It All(20:31 - 25:15) Operations Deep Dive: Local First Arizona, Eastlake Kitchen, and Serving 112 Meals Per Shift(25:16 - 30:00) The Gas Leak Crisis: When Things Go Wrong and How to Keep Going(30:01 - 36:00) Menu Strategy and Gateway Dishes: How Suya Tacos and Loaded Fries Introduce Nigerian Cuisine(36:01 - 40:15) Storytelling, Community Collaboration, and Building Brand Loyalty Through Authenticity(40:16 - 43:43) Four to Six Month Timeline for Brick-and-Mortar, Social Media Strategy, and Where to Find Chef Patty

We speak with Mano Sundaresan, head of editorial content for ‘Pitchfork’. Plus the team behind ‘Monkey: New Writing from Japan’ and Steven Watson from Stack Magazines launches ‘The Mortar’.See omnystudio.com/listener for privacy information.

We meet a man who loves, and we mean LOVES, WW1 history! We find out all the benefits (besides the main one) of morning sex and we have all heard of Horse Girls….we learn about a Horse Man. 

Send us a textPeaches runs a solo Daily Drop Ops Brief and moves fast through recruiting wins, force readiness, and why some headlines deserve side-eye. From the Army smashing recruiting goals and Fort Stewart gunnery training to debates over the Trump-class battleship, carrier flight ops, and Marines earning lifesaving awards off duty, this episode balances news with blunt commentary. Peaches also dives into Air Force leadership travel, the YFQ-48 Alpha designation, Coast Guard infrastructure investments, sanctions enforcement in the Caribbean, and NATO concerns about Russia targeting Starlink with orbital shrapnel. The takeaway stays consistent: communications win wars, space debris kills everyone, and context matters more than vibes.⏱️ Timestamps: 00:00 Ones Ready intro and sponsor plug 01:10 Modern Athlete Strength Systems AFSOC program 03:00 Operator Training Summit 2026 (University of Alabama) 04:45 Why OTS is training, not selection 06:00 Army exceeds FY25 recruiting goals 07:10 Aerial gunnery training at Fort Stewart 07:55 Seize the Marne obstacle course 08:40 Trump-class battleship announcement reaction 10:10 Navy & Coast Guard vertical hoist training 11:00 USS George H.W. Bush flight ops 11:40 Marines receive lifesaving awards 12:40 Shout-out to Major Josh Stevens 14:00 Mortar training at Camp Fuji 15:20 Quantico Marine Band odd timing 16:00 Air Force leadership visits CENTCOM 17:00 YFQ-48 Alpha designation explained 18:00 USAFE & AFAfrica leadership visits 18:40 Coast Guard Buffalo investment 19:10 Station Pascagoula returns to ops 19:40 National Guard support reporting gripe 20:30 Sanctioned tanker seizure in Caribbean 21:10 NATO concerns over Russian anti-sat weapons 22:30 Why space shrapnel is catastrophic 24:00 Final thoughts and wrap-up

Welcome to Episode 108 of Law and Mortar with Trent Cotney, Partner at Adams and Reese LLP, and John Kenney, CEO of Cotney Consulting Group. This episode covers AI's growing influence on roofing operations, practical safety protocols, and the need for contractors to adapt their business models in an evolving industry.

Are you tired of feeling like your store is the "best kept secret" in town? In this bonus episode, Crystal Vilkaitis, dives deep into the "hellscape" of Meta Ads Manager to show you why Facebook and Instagram ads are the ultimate irrigation system for your business. Crystal explains how to move beyond "hoping for rain" with organic posts and instead take control of your visibility, foot traffic, and sales through strategic amplification.This high-level guide provides the clarity you need to turn up the volume on your brand and become "15-mile famous."[1:45] The Hamilton Metaphor: Why ads are the "lighting and sound" of your retail stage.[5:10] The 1-7% Rule: The harsh reality of organic reach and why you can't rely on "rain."[8:30] Success Metrics: Why looking for sales alone is tunnel vision and what else to track.[12:15] The Power of the Pivot: How ads grow your email list and drive event attendance.[16:40] 15-Mile Famous: Leveraging local awareness to become a community legend.[20:10] Old School vs. New School: Why targeting is dead and "Creative" is the new algorithm driver.[24:35] The Importance of Clean Data: Why Meta needs good signals to optimize your spend.[27:15] AI in Ads: Why you still need a human in the loop to avoid "lazy" brand damage.[28:50] Ad Strategies for Brick-and-Mortar vs. E-commerce.Join the Rooted in Retail Facebook Group to continue the conversation Join our newsletter for all the latest marketing news for retailers Show off your super fandom by getting your Rooted in Retail Merch! Go to http://indera.co/prompt to access the prompt

Christopher shares a career spent in restaurants, not just behind a desk. He emphasizes the importance of focusing on KPIs before investing in technology, and standardizing operations while preserving your brands' identity.Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance.On today's episode, we talk with Christopher Gumprecht, VP of Marketing and Information Technology at Craveworthy Brands. Craveworthy Brands was founded in 2022 to invigorate legacy restaurant brands while nurturing and growing emerging brands. GUEST BIOChristopher is a tech savvy restaurant leader with over 20 years of experience in food and beverage. He's had roles in Restaurant Operations, Learning and Development, Marketing, IT, Software Development, and Sales. He spends his time giving back to his community by mentoring local students and helping entrepreneurs reach their goals.TIMESTAMPS00:43 - About Craveworthy Brands04:50 - Chris' journey10:02 - Competing for attention13:16 - Gaining loyalty15:52 - The promise of off-premise catering23:23 - The challenge of tech in restaurants36:21 - Today's consumer expectations42:46 - Where to find Chris43:19 - Sid's takeawaysSPONSORServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.LINKSConnect with Chris on LinkedInConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Business doesn't grow in isolation — it grows in community. In this episode, we sit down with Andrew, co-founder of Brick & Mortar, to talk about building inspiring workspaces, creating business hubs in local communities, and why environment plays a huge role in productivity and growth.We discuss how Brick & Mortar started, why coworking in the suburbs matters, and how intentional spaces can help entrepreneurs, side hustlers, and leaders do their best work. This conversation ties directly into the heart of Level Up Labs — bringing people, ideas, and resources together to help the community grow.Topics CoveredWhy environment matters for productivity and creativityHow Brick & Mortar started and evolvedThe shift from city commuting to neighborhood workspacesBuilding coworking spaces that feel inspiring, not corporateCreating business hubs within local communitiesThe power of collaboration and shared resourcesWhy community is essential for business growthHow physical space impacts mindset and performanceAbout Our GuestAndrew is a co-founder of Brick & Mortar, a coworking and collaboration company with locations throughout Chicagoland. Brick & Mortar creates thoughtfully designed spaces that help individuals and teams focus, collaborate, and grow.Level Up Labs Event InfoThis conversation is part of Level Up Labs, a four-hour, in-person Community Business Summit designed to help professionals, entrepreneurs, and leaders move forward.

Growth doesn't come from “new year, new you” motivation alone — it comes from solving real problems and building smart systems. In this episode, we sit down with Brian Zisook, co-founder of Audiomack, to talk about identifying gaps in the market, building a business with purpose, and scaling through strategic partnerships.Brian shares how Audiomack grew from a simple idea into a global platform with over 50 million monthly active users, and how those same principles apply to entrepreneurs, small business owners, and leaders at any stage of growth.Topics CoveredWhy growth starts with identifying a real problemHow Audiomack was built to serve independent creatorsSpotting gaps in the market before others see themBuilding a business with purpose, not just profitScaling through partnerships instead of competitionAdapting as technology and industries changeGiving creators and entrepreneurs more control over their workBusiness fundamentals that apply to any industryAbout Our GuestBrian Zisook is a co-founder of Audiomack, a global music streaming and discovery platform with over 50 million monthly active users and the #1 streaming service in 22 countries. With decades of experience in music, media, and business, Brian brings real-world insight into building and scaling modern companies.Level Up Labs Event InfoThis conversation is part of Level Up Labs, a four-hour, in-person business growth workshop designed to help you take actionable steps forward.

Social media is essential for small businesses — but it doesn't have to feel like a second full-time job. In this episode, we sit down with Shalane and Nicole from Be Social, a social media agency built specifically to support small business owners, entrepreneurs, and leaders who are overwhelmed by content creation.We talk about the biggest mistakes businesses make on social media, why chasing trends can actually hurt your brand, and how storytelling and personality matter more than perfectly edited posts. If you've ever spent hours on a single post and still felt unsure about it, this conversation is for you.Topics CoveredWhy social media feels so overwhelming for small business ownersThe biggest mistake businesses make: chasing trends instead of their brandWhy personality and storytelling matter more than what you sellHow social media should support your business — not run itWhen to DIY social media vs. when to hand it offHow Be Social helps businesses take social media off their plateTraining options for business owners who want to do it themselvesWhy social media is “air coverage” for your business, not the entire strategyAbout Our GuestsShalane and Nicole are the founders of Be Social, a social media agency created to help small businesses grow without wasting time, energy, or money. Their focus is helping brands show up authentically, connect with their audience, and stop treating social media like a third job.Level Up Labs Event InfoThis conversation is part of Level Up Labs, a four-hour, in-person experience for business owners, entrepreneurs, and leaders.

Terry Finley is the President and CEO of Books-A-Million, a chain of over 200 bookstores in 30 states. In this episode he describes the dramatic changes in book retailing since the late 1970s, when department stores and small mall stores were major booksellers, through the superstore era and to today's marketplace with online retailers and social media influencers.(For full transparency: Books-A-Million's parent company, Anderson Growth Partners, is a minority investor in Open Road.)

Paul discusses the evolving role of facilities management in retail and mutli-site operations. He talks about how facilities have shifted from being an “invisible engine room” to a highly visible, strategic function.Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance.On today's episode, we talk with Paul Walsh, CEO and Founder of Path2Max. Paul dedicates his time and expertise to mentoring others in the industry and helps them pursue excellence.TIMESTAMPS00:44 - About Paul06:51 - The built environment and retail13:55 - Where is the industry now?23:47 - Be proactive, not reactive30:37 - AI in the industry37:57 - Shifting consumer expectations41:34 - Avoiding burnout45:46 - Where to find Paul46:34 - Sid's takeawaysSPONSORServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.LINKSLearn more about Path2MaxConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you leading a brick-and-mortar business and feeling frustrated with advice that just does not match your daily reality? This week, I am pulling back the curtain on what it really takes to lead a team in a physical workplace. Real leadership means guiding your team confidently, making decisions on the spot, and creating a workplace that thrives even when you are not there every minute.  Work with Shelli Warren: Book a call with Shelli to talk about how coaching can help you elevate your leadership capability. Apply to join the Leadership Lab. Free Resources: Click here to grab our NEWEST resource that guides you through a firing framework that protects your culture and your credibility. Download the companion workbook for our 7 most-popular podcast epiosdes. Check out more free resources here. Shop: Grab your Leadership Brief Tear Sheets. Connect with Shelli Warren: Email: leader@stackingyourteam.com Instagram LinkedIn Subscribe to the Stacking Your Team Newsletter    

Happy New Year survivors! Our holiday "Dream Run" series continues. This week, it's Dave's turn to step into the apocalypse while Andy takes over the role of Dungeon Master (Server Admin).We are heading back to where it all began: Chernarus. But Dave isn't just looking for food and water; he is on a high-stakes quest to find the legendary and elusive Mortar Mod. With Andy pulling the strings and controlling the chaos, will Dave find his explosive prize, or will the "Dungeon Master" ensure this dream turns into a nightmare?

Today we are talking with an emergency doc who has become a multimillionaire. We love this conversation because he has the most boring and consistent financial story. He didn't build a real estate empire or get lucky with Crypto or some fancy investment. He just has a written financial plan that he has followed consistently. He built wealth the boring old fashioned way, with nothing fancy, but lots of success. He feels strongly about spending on what you are passionate about and being cheap on the things you don't care about. He spends lavishly on travel and even has a language tutor. He currently speaks 4 languages and has been to 45 countries. After the interview we are talking about real estate syndications for Finance 101. Mortar Group is a premier real estate investment firm focused on multifamily properties in both ground up and value add projects in the competitive markets of New York City since early 2000s. With over $300 million in assets under management and over 30 investments since inception, their fully integrated firm model allows Mortar to maximize efficiency and value across their investments in these niche markets. Mortar leverages over two decades of experience in architecture, development and asset management in their projects to build value and minimize risk for investors. Invest in tax efficient, high return, risk adjusted strategies with Mortar Group at https://whitecoatinvestor.com/mortar The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #249 04:58 Emergency Doc Becomes a Multimillionaire 09:20 Advice For Others 21:35 Real Estate Syndications