Podcast appearances and mentions of Todd Miller

Join hosts Todd Miller and Seth Heckman in an engaging episode of Construction Disruption featuring Scott Berman, President of Florida Window and Door, and the innovator behind Heavyset Technologies. Dive deep into Scott's journey from a window manufacturer's son to leading Florida's foremost replacement window contractor. Scott shares insightful experiences about navigating business challenges, especially during the COVID-19 pandemic, and how his company adapted and thrived.Additionally, discover how Scott's newest venture, Heavyset Technologies, revolutionizes lead acquisition with tech-based solutions. Filled with practical business advice, data-driven strategies, and innovative marketing ideas, this episode is a must-watch for contractors and home improvement professionals.Timestamps00:00 Introduction00:21 Dad Jokes and Challenge Words01:26 Guest Introduction: Scott Berman02:59 Scott Berman's Journey in the Window Industry06:40 COVID-19 Impact and Adaptations15:08 Sales Strategies and Retention27:01 Shelly's Impact on Brand Recognition29:59 Transition to Heavyset Technologies30:25 The Birth and Evolution of Heavyset32:02 Heavyset's Unique Features and Benefits33:53 Challenges and Adaptations for Small Companies36:36 Future of Heavyset and AI Integration41:42 Advice for the Industry and Personal Insights46:19 Rapid Fire Questions and Closing RemarksConnect with Scott OnlineLinkedIn: https://www.linkedin.com/in/scott-berman-aa129052/Email: scott@floridawindowanddoor.comFlorida Window & Door Website: https://www.floridawindowanddoor.com/HeavySet Website: https://www.heavyset.tech/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Join hosts Todd Miller and Ryan Bell on this captivating episode of Construction Disruption as they welcome Shawn Feurer, the Universal Mindset Disruptor. Shawn's unique blend of financial planning expertise and mindset coaching empowers professionals to achieve wealth, happiness, and resilience.In this engaging conversation, Shawn shares his journey from the home improvement industry to becoming a transformative mindset coach. Learn about the importance of self-image, the power of positive thinking, and strategies for navigating challenging times. Whether you're a construction business leader or looking to elevate your approach, Shawn's insights promise to challenge and inspire.Timestamps00:00 Introduction and Dad Jokes01:04 Guest Introduction: Shawn Feurer02:39 Shawn's Background in Home Improvement05:25 Transition to Coaching and Mindset Work08:10 The Power of Mindset in Business13:44 Mindset Techniques and Daily Rituals26:30 The Power of Gratitude26:41 Brother David's Meditation27:41 Shawn Feurer's New Day Meditation27:57 The Importance of Presence and Gratitude29:49 Challenges and Gratitude31:12 Introduction to The Inner Blueprint Podcast32:41 Mindset Coaching and Programs38:36 Rapid Fire Questions46:18 Final Thoughts and GratitudeConnect with Shawn OnlineWebsite: https://www.shawnfeurer.com/LinkedIn: https://www.linkedin.com/in/shawn-feurer-36513a35/Facebook: https://www.facebook.com/shawn.feurerInstagram: https://www.instagram.com/shawnfeurerResources Mentioned in this EpisodeBob Proctor: https://www.youtube.com/c/BobProctorTV/videosThe Power of Positive Thinking by Norman Vincent Peale: https://amzn.to/4kfXaDPWatch A Grateful Day by the godfather of gratitude, Brother David Steindl-Rast: https://www.youtube.com/watch?v=zSt7k_q_qRUWatch A New Day by Shawn Feurer: https://www.youtube.com/watch?v=OXuskUlwo2ALearn more about EOS, the Entrepreneurial Operating System: https://www.eosworldwide.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Chief Todd Miller of the Highlands Fire District and Alfredo Villa, a firefighter & paramedic join me to discuss Wildfire Preparedness Day coming up on April 26th, 9:00 AM at Station 23 in Mountainaire.

In a lively conversation, The Border Chronicle founders grapple with the last three months of militarization and surveillance, and ponder what's to come.What is happening on the border three months into the Trump administration? Well, you've come to the right place. Here, Border Chroniclefounders Melissa and Todd spend the hour discussing just that.Among the topics covered are Stryker armored vehicles deployed in El Paso, including one conducting surveillance from a garbage dump; DHS secretary Kristi Noem recounting an epiphany about a Target store by Salvadoran president Nayib Bukele (this epiphany helps Bukele justify the 40,000-person capacity “terrorist” prison accepting U.S. deportees); the chilling surveillance tower known as the Torre Centinela looming over Ciudad Juárez; a DOD spokesperson telling Melissa that “you know more than we know”; and Todd sharing the story of how he got kicked out of the Border Security Expo 10 years ago (yes, there is some good old-fashioned humor as well).Militarization, surveillance, privatization, water, and climate change are all addressed as The Border Chronicle attempts to grapple with what has happened, what is happening, and what's to come.And since there is so much to discuss, we'd love to hear your perspectives about the last 100 days. Please feel free to comment below. What are your thoughts and opinions? Border residents, what have you seen? Anything of note? Please don't be shy about adding to our conversation. Also, here's a few of Melissa's favorite signs from the “Hands Off” protest in Tucson last week as mentioned in the podcast.The building in the distance is the Torre Centinela under construction in Ciudad Juárez. Photo taken from the El Paso side in late March. (Photo by Todd Miller).

Conservatorship: When NCUA Removes the Board & What You Need to KnowEpisode Summary:In this special episode, hosts Mark Treichel, Steve Farrar, and Todd Miller dive into the high-stakes world of NCUA conservatorships—when the agency steps in to remove a credit union's board and take control. Drawing from their extensive experience handling some of the largest conservatorships in NCUA history, they provide insider insights on:What conservatorship means and when it happensThe role of the NCUA as both regulator and conservatorWhy NCUA often opts for conservatorship over cease-and-desist actionsThe challenges of managing a conservatorship from both a regulator's and a credit union's perspectiveSuccess stories and lessons learned from past conservatorshipsThe hosts reflect on the intensity, challenges, and rewards of the conservatorship process, including the balance between protecting the NCUSIF (National Credit Union Share Insurance Fund) and serving credit union members. Whether you're a credit union executive, regulator, or industry observer, this episode delivers valuable insights into one of the NCUA's most powerful enforcement tools.Key Quotes:

In this episode of Construction Disruption, Todd Miller and Ryan Bell from Isaiah Industries are joined by Charlie Gindele, a veteran in the home improvement industry. Charlie shares insights from his 40-year-long career, from his time at Alcoa Building Products to his successful run with Renewal by Andersen. He discusses the shifting market dynamics in Southern California, the impact of recent wildfires, and emerging home improvement trends. Charlie also highlights the significance of knowing your business's numbers, fostering a positive company culture, and effective marketing strategies. He emphasizes the importance of helping customers buy rather than just selling to them and suggests following industry thought leaders like Brian Gottlieb, Brian Kaskavalciyan, and Shawn Feurer. The episode wraps up with rapid-fire questions, revealing personal anecdotes and professional advice from Charlie.Timestamps02:01 Guest Introduction: Charlie Gindele04:40 Charlie's Early Career and Transition to Retail07:10 Southern California Market Insights12:37 Rebuilding After Southern California Fires16:59 Replacement Windows and Emerging Trends22:58 The Dial One and Renewal by Andersen Journey29:44 Franchise Advice: Look Before You Leap30:09 Key Lessons for Business Success33:14 The Importance of Marketing38:21 Industry Thought Leaders to Follow42:18 Final Thoughts and Advice45:36 Rapid Fire Questions53:45 Closing Remarks and Contact InformationConnect with Charlie OnlineLinkedIn: https://www.linkedin.com/in/charlie-gindele-436aa661/Facebook: https://www.facebook.com/cgindeleWebsite: https://www.charliegindele.com/Email: charles.gindele1@gmail.comResources Mentioned in this EpisodeCharlie's Books: https://amzn.to/4il6zZdBeyond the Hammer Book: https://amzn.to/42zBDP1Brian Kaskavalciyan - The Wealthy Contractor: https://www.thewealthycontractor.com/Brian Gottlieb: https://briangottlieb.com/Shawn Feurer Consulting: https://www.shawnfeurer.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this

Hosts Ryan Bell and Todd Miller of Isaiah Industries engage in an enlightening conversation with Marcus Sheridan, a leading communication expert, author, and keynote speaker. Marcus, known for his bestselling book 'They Ask You Answer,' shares his journey from managing a nearly bankrupt pool company to becoming a prominent leader in the marketing world.The discussion covers his revolutionary approach to inbound sales, content marketing, and the evolving landscape influenced by AI and SEO. Marcus emphasizes the importance of answering customer questions transparently online, leveraging self-service tools, and adapting to changing marketing dynamics driven by AI. He also highlights the significance of a personal brand in building trust and generating endless customers.Timestamps01:00 Introducing Today's Guest: Marcus Sheridan02:14 Marcus Sheridan's Journey: From Pools to Marketing03:11 The Power of Answering Customer Questions10:00 The Evolution of SEO and AI's Impact23:42 Self-Service Tools for Lead Generation30:48 Revolutionizing Concrete Pools with Estimators31:58 Introducing Price Guide: AI-Powered Pricing Estimators33:44 The Impact of Instant Estimates on Lead Generation35:32 Addressing Manufacturer Concerns with Estimators37:03 Case Study: Gillies and McKay's Success with Estimators39:16 Leveraging AI for Immediate Lead Response41:39 The Future of Sales and Marketing with AI43:33 Introducing 'Endless Customers': A New Marketing Paradigm47:08 The Big Five: Key Topics Every Buyer Wants to Know51:17 Advice for Young Entrepreneurs and InnovatorsConnect with Marcus OnlineLinkedIn: https://www.linkedin.com/in/marcussheridan/Email: marcus@marcussheridan.comResources Mentioned in this EpisodeEndless Customers Book: https://www.endlesscustomers.com/Pricing Estimator: https://priceguide.ai/EP194 with Chris Duprey: https://construction-disruption.com/episode/transparency-and-buyer-centric-sales-with-chris-dupreyFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac -...

Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by former NCUA capital markets expert Todd Miller to discuss the latest updates to NCUA's Interest Rate Risk (IRR) Supervisory Framework. Following NCUA's recent stakeholder webinar, we break down key takeaways, including changes to risk categorization, the elimination of the extreme risk rating, and how these updates impact credit unions navigating today's economic landscape.What You'll Learn in This Episode: ✅ The history and evolution of NCUA's NEV framework ✅ Why NCUA eliminated the “extreme risk” category and what it means for credit unions ✅ The role of examiner judgment in assessing interest rate risk under the new guidance ✅ How credit unions can mitigate risk and avoid a Document of Resolution (DOR) ✅ The growing importance of liquidity management and how credit unions should prepare ✅ Why examiner scrutiny of IRR is increasing, despite the removal of automatic DORsKey Takeaways from the NCUA Webinar:

Episode Title:NCUA: Can You Put That in an Examiner Finding, Not a DOR?Episode Summary:In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to unpack the complexities of NCUA examinations, examiner findings, and documents of resolution (DOORS). They dive into what makes an issue rise to a DOOR, how credit unions can negotiate findings, and why corporate governance is becoming a focal point in exams.With their decades of experience inside NCUA, Mark, Steve, and Todd share insights on how credit unions can better navigate the regulatory process, avoid unnecessary compliance burdens, and strengthen their governance structures. If you've ever wondered why something lands in a DOOR rather than an examiner finding, this episode is for you!Key Topics Covered:✔️ What qualifies as an examiner finding vs. a DOOR? ✔️ How credit unions can respond to and negotiate with NCUA ✔️ The rising focus on corporate governance in examinations ✔️ How unresolved examiner findings escalate over time ✔️ The role of supplementary facts in the examination process ✔️ Understanding regional director letters and enforcement trendsGuest Information:

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller from Credit Union Exam Solutions to discuss the serious implications of a CAMEL Code 4 rating. A downgrade to CAMEL 4 signals significant risk and increased regulatory scrutiny. What does this mean for your credit union? What immediate actions should management and the board take? How does this impact borrowing, liquidity, and operations? Get expert insights into navigating the challenges of CAMEL 4 and what steps to take to get back on track. What You'll Learn in This Episode: ✅ What is a CAMEL Code 4? Understanding why it's a major red flag ✅ How NCUA views CAMEL 4 credit unions and why they ramp up oversight ✅ The consequences of a downgrade – more frequent exams, lost privileges, and reputational risk ✅ NCUA's administrative actions – what happens when you receive a Letter of Understanding & Agreement (LUA) ✅ How a CAMEL 4 affects your liquidity – Federal Reserve & Federal Home Loan Bank implications ✅ The impact on borrowing & collateral requirements ✅ The role of the board in a CAMEL 4 credit union – what's expected of leadership ✅ Can a CAMEL 4 credit union recover? Strategies for improvement Key Takeaways: 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to analyze the latest trends shaping the credit union industry in 2024. They dive into the recently released NCUA data, discussing multi-year trends, economic pressures, and how credit unions are navigating challenges such as rising delinquencies, declining net income, and shifting liquidity conditions.Key Topics Covered:✅ Multi-Year Credit Union Trends – How decisions made during COVID-19 continue to impact the industry today ✅ Rising Credit Risk & Loan Performance – What's driving the surge in credit card and auto loan delinquencies? ✅ NCUA's Supervisory Priorities – Where examiners are focusing their attention in 2024 ✅ Liquidity & Interest Rate Risk – How credit unions are adjusting to changing market conditions ✅ Earnings & Profitability Pressures – Understanding the impact of fee income declines, provision for loan losses, and economic uncertainty ✅ Regulatory Challenges & Mergers – The latest data on credit union consolidations and how they compare to community banksRecent Exam Trends:

 So You're a CAMEL Code 3 – Now What? 

In this episode of the Construction Disruption podcast, co-hosts Todd Miller and Ryan Bell from Isaiah Industries sit down with Peter DeMaria, Chief Design Officer and co-founder of Mid-Rise Modular, LLC. Peter brings a wealth of experience in architectural design and academia, and he discusses his mission to address the global housing crisis through innovative and sustainable modular solutions. From his unique methods involving light gauge steel to the impact of policy and technology on construction, Peter's insights are invaluable for anyone interested in the future of housing and architecture. Don't miss out as he shares formative moments in his career and his vision for addressing homelessness both locally and globally.Timestamps00:00 Introduction and Co-Host Introduction00:13 A Bat in the House: Todd's Story01:42 Challenge Words Game02:19 Introducing Peter DeMaria03:37 Peter's Career Beginnings and Inspirations08:44 Mid-Rise Modular and Homelessness Solutions13:50 Challenges in Rebuilding After Fires18:41 The Benefits of Steel in Construction25:48 From Design to Manufacturing30:24 Addressing the Homeless Crisis34:12 A Heartfelt Encounter34:37 Reflections on Architectural Impact35:54 Insights from the International Builder Show36:48 Innovative Shower Solutions39:39 The Concept of Team Prefab41:24 Advice for Aspiring Professionals41:59 Embracing Technology and Change46:55 Rapid Fire Questions57:48 Final Thoughts and Contact InformationConnect with Peter OnlineLinkedIn: https://www.linkedin.com/in/peter-demaria-4b021b12/De Maria Design:https://demariadesign.com/Mid-Rise Modular: https://midrisemodular.com/TEAMprefab: https://www.teamprefab.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Episode Summary:In this episode of With Flying Colors, Mark Treichel, along with industry experts Steve Farrar and Todd Miller, discuss a growing trend—NCUA requesting private meetings with credit union boards. What does it mean when regulators ask to meet without management present? Should boards be concerned? And how should they prepare?With decades of NCUA experience, Steve and Todd share insights into:✅ Common reasons why NCUA requests board-only meetings✅ When a meeting with the board chair is routine vs. when it's a red flag✅ The importance of listening, but not committing to actions during these meetings✅ Why legal counsel might be necessary in certain situations✅ Whether you should record the meeting—and if NCUA will allow itMark, Steve, and Todd also share real-world examples of how these meetings have played out, including situations where state regulators took a more aggressive approach.Whether you're a board member, CEO, or concerned about your next NCUA exam, this episode provides essential insights to ensure you're prepared if NCUA makes the call.Resources Mentioned:

"Liquidity Management: Reading Between the Lines of NCUA's Latest Guidance"In this insightful episode, Mark Treichel and former NCUA Capital Markets Specialist Todd Miller analyze NCUA's April 2023 liquidity webinar and provide their expert take on the agency's current perspective on liquidity management.Episode Highlights:Todd Miller shares his 34-year experience at NCUA, including his roles as a regional capital market specialist and director of special actionsKey liquidity guidance documents discussed: 2010 Interagency Policy Statement on Funding and Liquidity Risk Management, 2013 CU 10 guidance on Regulation 741.12, and the 2023 addendum on contingency funding plansAnalysis of credit union deposit composition changes: from 55% in money markets, CDs, and wholesale funding in 2009 to 52% currentlyDiscussion of "reversion to the mean" in deposit mix and how credit unions have adapted to the rate environmentExamination inconsistencies: varying liquidity ratios and expectations from examiner to examinerThe importance of forward-looking liquidity management versus "rear-view mirror" approachesDisconnect between NCUA's public statements (e.g., "supervisory test is not how credit unions should manage interest rate risk") and examiner actionsHow improved analytics allow credit unions to operate with lower cash holdings while still managing risk effectivelyThe appropriate use of wholesale funding, borrowings, and non-member deposits in liquidity managementWhy well-capitalized credit unions with good asset quality will generally maintain access to liquidityResources Mentioned:2010 Interagency Policy Statement on Funding and Liquidity Risk Management2013 CU 10 guidance on NCUA Regulation 741.122023 addendum to the 2010 interagency statement on funding and liquidity riskIf you're concerned about your credit union's next NCUA exam, visit marktreichel.com to learn how Credit Union Exam Solutions can help you navigate the examination process successfully.

In this episode of the Construction Disruption podcast, hosts Todd Miller and Ethan Young are joined by Clyde King, a seasoned Union Carpenter Foreman from West Virginia. Clyde shares his vast experience in the construction industry, spanning over 30 years. From his journey in the U.S. Marine Corps to his current role, Clyde dives into the importance of leadership, mentorship, and the evolving technologies in construction. He also highlights critical challenges like mental health issues and the necessity of proper training and safety in the industry. Join the conversation and gain insights into the passion and dedication that drive the construction world forward.Timestamps00:00 Introduction01:15 Introducing Clyde King02:17 Clyde's Military and Early Career04:53 Transition to Construction and Career Growth08:53 Leadership and Mentorship in Construction12:57 Challenges in the Construction Industry22:11 Mental Health in Construction25:16 Engaging the Younger Generation27:04 Clyde's Legacy and Final Thoughts31:25 Rapid Fire Questions36:45 Conclusion and Challenge Words RevealConnect with Clyde OnlineLinkedIn: https://www.linkedin.com/in/clyde-king-6a95a49b/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Closing out the show Jeff laughs at the media whining and then hangs out with Todd Miller of the NRB/

Metal Roofing with our friend Todd Miller.

Gary takes your calls. We also learn all about metal roofing from Todd Miller.

Metal Roofing with our friend Todd Miller.

Gary takes your calls. We also learn all about metal roofing from Todd Miller.

In this episode of the Construction Disruption podcast, Todd Miller of Isaiah Industries welcomes Derek Hodgin, a professional engineer and founder of Positive Friction Consulting. Derek returns to discuss the evolution of his career, his new book 'More than 100 Ways to Build Better: A Contractor's Field Guide to Better Practices', and the importance of building durability in construction.Listeners will gain insights into forensic engineering, failure analysis, and practical construction tips designed to keep contractors out of litigation. With Derek's wealth of knowledge and field experience, this episode serves as a valuable resource for both newcomers and seasoned veterans in the AEC industry.Timestamps00:00 Introduction and a Quick Story00:46 Welcoming the Guest: Derek Hodgin02:27 Derek's Career and Recent Changes03:53 The Book: More than 100 Ways to Build Better09:28 Field Guide Design and Usage18:19 Advice for Young Professionals32:22 Rapid Fire Questions36:04 Conclusion and Final ThoughtsConnect with Derek OnlineLinkedIn: https://www.linkedin.com/in/derek-hodgin-p-e-rbec-ccca-f-iibec-57b88241/Website: https://www.positivefrictionconsulting.com/Email: positivefrictionllc@gmail.comFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Send us a textResiding in Laguna Beach, California, Todd Miller works in Industrial Real Estate investing. A former USC volleyball setter in the early 1980s, Todd played in two NCAA Final Fours. His daughter also played for USC, competing in one Final Four. Since 2005, Todd has competed in USA Masters volleyball, earning four All-American honors and leading Western States Laguna to six National Championships. His team won the Huntsman World Senior Games 10 consecutive years in the 50-54 age group, and as Team USA captain, he secured gold at the 2017 World Masters Games.Retired in 2022, Todd overcame prostate cancer and now advocates for PSA testing. He co-founded Global Grins, distributing 1.5 million toothbrushes, and leads a Laguna Beach diving club removing ocean pollution. Todd is married with two adult children and one grandchild. 

In this episode of the Construction Disruption podcast, Todd Miller of Isaiah Industries is joined by co-host Ryan Bell and special guest Shawn Maloney, President and Founder of RetireWise. The discussion delves into the complexities of retirement planning. Shawn shares his personal journey, the inception of RetireWise, and its 'Retire Happy' framework designed to ensure a secure and fulfilling retirement. They explore the unique financial planning needs of business owners, the impact of irregular income patterns, and changes in retirement planning, given the evolving economic landscape. Shawn also shares success stories, the importance of starting early, and practical steps for those who haven't started planning for retirement yet. Timestamps00:00 Meet the Hosts: Todd Miller and Ryan Bell00:15 Kicking Off with Jokes00:59 Introducing the Challenge Words01:24 Diving into Retirement Planning01:49 Guest Introduction: Sean Maloney of RetireWise02:20 Shawn's Journey to Founding RetireWise04:42 RetireWise's Unique Approach07:04 Challenges for Business Owners09:59 Adapting to Irregular Income11:26 Changes in Retirement Planning13:22 Impact of New Administration14:45 Taxing Social Security16:11 The Joy of Helping People17:16 Creating a Retirement Plan17:58 Practical Steps for Young Savers20:04 Engaging RetireWise Services21:13 The Priority Retirement Podcast24:05 Rapid Fire Questions28:26 Final Thoughts and Contact InformationConnect with Shawn OnlineLinkedIn: https://www.linkedin.com/in/shawn-maloney-retire-wise/Website: https://www.retirewisepro.com/Email: shawnmaloney@retirewisepro.comFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

A continuation of what we think we remember from the December to Remember Sheetup, with a counterpoint made by Todd Miller regarding "Martinigate".

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ The NCUA Appeal Process: A Complete Guide # NCUA Appeal Process with Mark Treichel## OverviewThis episode covers the formal appeal process at NCUA, detailing how credit unions can appeal examination findings and supervisory determinations.## Key Points About Initial Response to Examination Findings- Start with the examiner level - resolving issues at the lowest level is most time and cost-efficient- Common reasons for appeals include:  - Factual errors not corrected  - CAMEL code downgrades  - Requirements that could negatively impact member service  - Requirements affecting capital building or earnings  - Requirements impacting liquidity control## What Can Be AppealedMaterial supervisory determinations that may significantly affect:- Capital- Earnings - Operating flexibility- Nature/level of supervisory oversightSpecifically includes:- Composite examination ratings of 3, 4, or 5- Loan loss reserve adequacy determinations- Classification of significant loans/assets- Federal consumer financial law compliance determinations- Certain waiver requests/additional authority applications## Appeal Process Timeline1. Initial Appeal to Regional Director   - Must file within 30 days of examination   - Regional Director has 30 days to respond2. Secondary Appeal Options (if Regional Director denies)   - 30 days to appeal to either:     - Office of Examination & Insurance, OR     - Supervisory Review Committee (recommended path)   - These bodies have 60 days to respond   - Can request oral hearing with Supervisory Review Committee3. Final Appeal to NCUA Board   - 30 days to file after previous denial   - Board has 90 days to decide   - May request oral hearing (not guaranteed)Total timeline can extend 8-12 months, especially if oral hearings are involved.## Important Considerations- Must follow each step sequentially - cannot skip levels- Component CAMEL ratings cannot be directly appealed, but arguments about components support composite rating appeals- Document resolutions are negotiable- Appeals create an administrative record- Partial victories possible at each level- Success likelihood typically increases at higher levels- "Tie goes to the runner" - burden of proof is on the credit union## ResourcesRelated regulations:- Part 746, Subpart A of NCUA regulations- Preamble to final rule provides important context## Contact InformationFor more information or consultation about appeals:- Connect with Mark Treichel on LinkedIn- Contact Credit Union Exam Solutions*Note: This episode expands on an earlier podcast about the regional appeal process featuring Todd Miller.*

In this episode of Construction Disruption, hosts Todd Miller and Ryan Bell sit down with Doug Sandler of the Turnkey Podcast. Discover how Doug transitioned from a 30-year career as an entertainer and DJ into becoming a leading podcast producer. Learn about the journey behind his own successful podcast, 'The Nice Guys on Business,' and how Turnkey Podcast aids businesses in leveraging podcasts for growth.Doug offers invaluable insights on setting goals, understanding your market, and the true monetization aspects of podcasting beyond mere sponsorships. Whether you're a podcaster or a business professional, this episode is packed with actionable strategies to elevate your podcasting game.Timestamps00:00 Introduction and Hosts' Banter02:07 Guest Introduction: Doug Sandler03:16 Doug's Journey into Podcasting09:15 Podcasting Facts and Figures13:15 Challenges in Podcasting18:12 Monetization and Success Stories25:01 Debunking Podcast Monetization Myths26:15 The Future of Podcasting: Trends and Innovations28:12 Repetition in Podcasting: Is It a Problem?29:41 The Journey of 'Nice Guys on Business' Podcast31:30 Turning Podcasting into a Profitable Venture32:25 Getting Started with Turnkey Podcasts34:03 Guest Acquisition and Building Authority37:30 Rapid Fire Questions with Doug Sandler42:56 Final Thoughts and FarewellConnect with Doug OnlineLinkedIn: https://www.linkedin.com/in/doug-sandler/Website: https://turnkeypodcast.com/moneyFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

In this episode of the Construction Disruption podcast, hosts Todd Miller and Ryan Bell from Isaiah Industries welcome Carrie Gardenhire, an expert in HR and workforce management from Arcoro, to discuss the persistent labor challenges in the construction industry.Carrie shares insights on the root causes and potential solutions to workforce shortages, the importance of company culture in recruitment and retention, and the role of technology and HR software in streamlining hiring processes. The episode also touches on the increasing participation of women in construction, tips for enhancing company culture, and how Arcoro partners with contractors to help overcome these challenges.Timestamps00:00 Introduction and Opening Jokes01:24 Challenge Words and Episode Setup02:12 Industry Challenges: Labor Shortage02:59 Guest Introduction: Carrie Gardenhire03:37 Carrie's Background and Role at Arcoro05:17 HR Technology and Workforce Management07:11 Survey Insights: Hiring Difficulties09:21 Strategies for Effective Recruitment11:43 Enhancing Company Culture14:45 HR Software and Applicant Tracking Systems25:55 Women in Construction27:57 Increasing Representation of Women in Construction29:45 Advice on Hiring and Retaining Workers30:54 The Concept of Stay Interviews33:24 Introduction to Arcoro and Its Onboarding Process37:40 Implementation and Support for Arcoro Users40:34 Rapid Fire Questions with Carrie Gardenhire45:49 Conclusion and Contact InformationConnect with Carrie OnlineLinkedIn: https://www.linkedin.com/in/carriegarden/Website: https://arcoro.com/Email: carrie.gardenhire@arcoro.comFor more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

In this Brandon Hall Group™ Excellence at Work Podcast, Rachel Cooke, CEO of Brandon Hall Group, discusses with Todd Miller, Chief Technology Officer of AllenComm, how organizations can optimize their learning technology ecosystems and prepare for future innovations. With over 33 years of experience leading technical innovations at AllenComm, Miller shares valuable insights on current challenges and emerging opportunities in corporate learning technologies.

Todd Miller is president of Isaiah Industries, a mid-sized manufacturing company based in Ohio that was started by his father in 1980. Todd has been in the business since 1986 and has helped to lead its growth to become a leading international manufacturer of specialty residential metal roofing. My career has been devoted to growing the sustainable metal roofing industry while transforming and restoring our company's long-term proven history and brand. From iconic and colorful roofs dotting America's highways on well-known brands to the uniquely premium roof perhaps on your own home, we strive to honor God in all we do, and change a stodgy and maligned industry by being a refreshing stream of restorative water in the marketplace.For more than 40 years, Isaiah Industries has helped contractors, designers, and property owners be successful with their metal roofing projects. We manufacture premium metal roofing in slate, shake, shingle, tile, and standing seam profiles. Our wide inventory and product category expertise help to ensure success for those we work with.We provide our dealers with ongoing training and support in all aspects of lead generation, sales, and installation--saving the contractor time, money, and labor.As a Christ-centered, family-run business we prioritize relationships and strive to treat our clients with the utmost respect. We have won several awards for our commitment to quality and education in the roofing industry.Connect with Todd Miller:Website: https://isaiahindustries.com/ LinkedIn: https://www.linkedin.com/in/todd-miller-31b2661/ Facebook Page: https://www.facebook.com/profile.php?id=100068677666742 TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

In this episode of the Construction Disruption podcast, Todd Miller of Isaiah Industries and co-host Ethan Young chat with Jadon Moerdyk, founder of RemodelBoom.com, about his disruptive approach to lead generation in the home improvement industry. Jadon shares insights on how RemodelBoom transforms old leads into lucrative sales without upfront costs, using human-operated text messaging systems.They discuss the challenges of running a global business, the importance of authenticity in marketing, and future aspirations for his company. Tune in for an engaging discussion on innovation, entrepreneurship, and effective sales strategies for home improvement companies.Timestamps00:00 Introduction and Hosts' Banter01:23 Todd's Career in Home Improvement02:37 Introducing Jadon and RemodelBoom04:01 Jadon's Background and Business Journey08:08 Challenges and Successes of RemodelBoom13:37 Client Success Stories and Marketing Strategies24:00 Future Plans and Innovations24:39 Maintaining Momentum in Business25:59 Challenges of Scaling and Hiring27:42 Global Talent and Mentorship29:32 Advice for Aspiring Entrepreneurs32:20 Generating Leads and DIY Strategies33:58 Rapid Fire Questions45:20 Final Thoughts and Contact InformationConnect with Jadon OnlineLinkedIn: https://www.linkedin.com/in/jadonmoerdyk/Website: https://remodelboom.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

Set up a call:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Check out our website:https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.## Episode SummaryMark Treichel and Todd Miller discuss the importance of good policies in credit unions, their key elements, and how they contribute to high-performing organizations.## Key Points1. Importance of policies in credit unions2. Reasons for having comprehensive policies3. General thoughts on policy implementation4. Common elements of good policies5. The role of board packages in credit union governance## Guest: Todd Miller- Former NCUA employee (1987-2021)- Held roles including examiner, problem case officer, regional capital market specialist, and director of special actions## Detailed Notes### Why Credit Unions Need Comprehensive Policies- Required by regulations- Ensure compliance with laws- Serve as training tools- Set expectations and communicate corporate culture- Establish standards for behavior and performance- Keep management accountable- Help defend against lawsuits### General Thoughts on Policy Implementation- Implementation should happen from the top down- Policies need to be readily accessible to staff- Keep policies current and up-to-date- Document and report policy exceptions- Consequences for not following policies should be clear### Common Elements of Good Policies1. Purpose and objectives2. Establish accountability3. Risk appetite statements4. Limits on individual authority5. System of reports based on risk assessment6. Systematic review dates### Importance of Reporting- Demonstrate compliance with policy- Show trends over time for context- Include early warning indicators- Report on risk limits and policy exceptions### Board Packages- Should contain information the board needs to know, not just wants to know- Reflect the nature and situation of the credit union- In high-performing credit unions, board packages provide transparency on organizational goals and performance## Key Quotes[Include 2-3 key quotes from the "good quotes" section]## Call to ActionSubscribe to With Flying Colors on your favorite podcast app for more insights on achieving success with NCUA. Visit marktreichel.com to learn more about services for credit unions.

In this episode of the Construction Disruption podcast, Todd Miller and Ryan Bell of Isaiah Industries welcome Robert Bedard and Dylan Tinker, co-founders of MOXY OID. Robert and Dylan discuss the development and commercialization of CERLOS, a sustainable material made from forestry and agricultural fibers. The material boasts impressive attributes, including fire resistance, water stability, mold resistance, and more.They also cover their strategy for bringing CERLOS to market through licensing and partnerships, its potential impact on the building materials industry, and the environmental benefits. Tune in to learn about this groundbreaking product and its transformative capabilities for the construction sector.Timestamps00:00 Introduction and Host Greetings00:43 Meet the Guests: Robert Bedard and Dylan Tinker00:58 Understanding CERLOS: A Revolutionary Material02:38 The Journey of the Founders05:03 Production and Commercialization of CERLOS07:39 Market Strategy and Adoption10:26 Performance and Testing of CERLOS12:22 Challenges and Future Vision24:15 Rapid Fire Questions31:15 Conclusion and Contact InformationConnect with Robert and Dylan OnlineRobert on LinkedIn: https://www.linkedin.com/in/robert-bedard-12a1b93b/Dylan on LinkedIn: https://www.linkedin.com/in/dylan-tinker-29270216/Website: https://moxyoid.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/## Episode OverviewA detailed discussion on what makes an effective board package for credit unions, drawing from Todd Miller's 34 years of experience at NCUA. Learn how to create board reports that help directors make informed decisions while satisfying regulatory requirements.## Key Points on Board Packages### Foundation and Purpose- Board packages should reflect management's responsibility to demonstrate compliance with:  - Business plan  - Board policy  - Risk appetite standards- Purpose is to help board members make good decisions regarding their responsibilities- Must balance what boards need to know vs. want to know### Components of Effective Board Packages#### Quantitative Reports- Key Performance Indicators (KPIs)- Key Risk Indicators (KRIs)- Financial reports- Budget updates- Strategic plan progress- Peer comparisons- Dashboard-style summaries preferred over excessive detail#### Qualitative Reports- Clear, concise explanations providing context- Explanations for deviations from plans- Discussion of emerging risks and opportunities- Summaries of committee activities- Analysis of significant trends or changes### Best Practices1. Maintain consistent formatting across all reports2. Use standardized indicators (e.g., red/yellow/green) throughout3. Present data in consistent order (e.g., oldest to newest)4. Include peer comparisons5. Make detailed data available but focus on summaries6. Regular review and updating of package contents7. Address material risks clearly and directly### Common Pitfalls to Avoid- Information overload/data dumping- Inconsistent formatting- Burying significant risks in details- Failing to provide context for decisions- Including outdated or unnecessary reports- Not disclosing material information## Regulatory ConsiderationsNCUA guidance states that "reports to directors should support complete, understandable, and accurate information appropriate to the size and complexity of the credit union."## Key Takeaways1. Focus on helping board members make good decisions2. Provide clear understanding of current situation3. Keep focus on future actions and strategic direction4. Balance detail with clarity5. Maintain consistency in reporting structure

In this episode of Construction Disruption, Ryan Bell and Todd Miller of Isaiah Industries chat with David Fraser, founder of Bunkie Life. David shares his journey of creating Bunkie Life and how it has transformed small-space living. He discusses the origins of the bunkie concept, the differences between bunkies and tiny homes, the challenges faced in the business, and the significance of his family and community. David also dives into the impacts of regulations and trends in the tiny living space. Tune in for inspirational stories, entrepreneurial advice, and some fun rapid-fire questions!Timestamps00:44 Guest Introduction: David Fraser of Bunkie Life01:22 The Origin of Bunkie Life02:29 Defining a Bunkie03:39 Bunkies in the Backyard07:21 Challenges and Triumphs11:39 Trends in Tiny Living14:49 Navigating Red Tape21:01 Innovative Automation in Manufacturing21:50 Building Time and Efficiency23:01 Community and Customer Engagement25:06 Future Plans and Expansion27:57 Advice for Aspiring Entrepreneurs31:53 Rapid Fire Questions37:36 Conclusion and Final ThoughtsConnect with David OnlineLinkedIn: https://www.linkedin.com/in/davidcavanfraser/Website: https://bunkielife.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

In this unique episode of the Scrum.org Community Podcast, Patricia Kong and PSTs Ryan Ripley, Todd Miller and Will Seele discuss the application of the Evidence-Based Management (EBM) framework to career management. They highlight that intentional career management can improve retention rates by 30-50% and that 94% of employees would stay longer at a company investing in their career development. They share personal experiences with using EBM tools like empathy mapping and a career canvas to align career aspirations with organizational goals. They emphasize the importance of co-creation and non-surprising data presentations to foster productive conversations. The conversation also touches on the relevance of EBM for independent consultants and small business owners.

In this episode of the Construction Disruption Podcast, host Todd Miller of Isaiah Industries welcomes Matt Vetter, President of Schafer Construction. Based in Brighton, Michigan, Matt discusses his unique experiences and the diverse projects undertaken by his firm. From industrial to religious buildings, he shares insights on overcoming industry challenges and promoting innovation. Matt also introduces the Build Better Foundation, aimed at making the trades cool again by providing scholarships and raising awareness. Tune in for a deep dive into the construction world, leadership values, and the impact of community engagement on industry progress.Timestamps00:00 Introduction to Construction Disruption00:42 Meet Matt Vetter of Schafer Construction02:22 Matt Vetter's Journey in Construction05:48 Core Values at Schafer Construction10:00 The Construction Corner Podcast12:30 The Build Better Foundation18:51 Balancing Entrepreneurship and Personal Life25:10 Rapid Fire Questions with Matt Vetter30:22 Conclusion and Contact InformationConnect with Matt OnlineLinkedIn: https://www.linkedin.com/in/mattvetter/Website: https://www.schaferconstruction.net/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

The Tigers' coach previews his team's game with Lee's Summit North

In this compelling episode of the Construction Disruption podcast, hosts Todd Miller and Ethan Young of Isaiah Industries sit down with Tim Sperry, the visionary founder behind Carbon Limit and Smog Armor. The discussion delves into Tim's pioneering journey into carbon capture, highlighting revolutionary technologies that convert CO2 into stable minerals within concrete, enhancing durability while combating climate change. Explore the groundbreaking CoolCrete additive, designed to boost solar reflectance and mitigate urban heat islands.Tim sheds light on the industry's shift towards sustainable materials, the financial implications of carbon credits, and future regulatory landscapes. Insightful and inspiring, this episode reveals not only the technical intricacies of carbon capture but also Tim's personal motivations and philanthropic ambitions. Whether you're a construction professional or a sustainability enthusiast, this episode offers a profound look at the future of green building solutions.Timestamps00:00 Introduction to the Podcast00:59 Meet Our Guest: Tim Sperry01:45 The Science of Carbon Capture03:13 Exploring Google Scholar05:51 The Importance of CO2 Capture08:02 Concrete Innovations13:47 Quantifying Carbon Capture16:47 Market Strategy and Future Outlook22:38 Introducing CoolCrete23:14 Addressing Urban Heat with Cool Crete24:16 Benefits of Cool Crete in Reducing Heat25:30 Energy Savings and Broader Applications27:27 Future Innovations and Partnerships31:09 Rapid Fire Questions with Tim Sperry37:16 Final Thoughts and Contact InformationConnect with Tim OnlineLinkedIn: https://www.linkedin.com/in/tim-sperry-57b14aa/Website: https://www.carbonlimit.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

In this episode of the Construction Disruption podcast, join host Todd Miller and co-host Scott Clifton as they explore faith-driven business leadership with guest Ken Gosnell, founder of CEO Experience. Discover Ken's unique approach to guiding executives by integrating biblical principles into their business practices to achieve lasting success and a kingdom impact. Ken shares his journey, stories of transformation, and his framework for helping CEOs align their faith with their leadership roles. Ideal for anyone wishing to harmonize their personal faith with professional aspirations, this episode offers valuable insights on leading with purpose and integrity in the business world.Timestamps00:30 Meet the Co-Host: Scott Clifton01:42 Introducing Today's Guest: Ken Gosnell02:14 Ken's Background and Influences04:59 Biblical Business Principles05:55 The Importance of Order in Business07:50 Balancing Business and Personal Life09:32 Founding CEO Experience16:35 Challenges and Rewards of Coaching CEOs20:07 Retreats and Their Impact30:15 Content and Resources for CEOs34:32 Integrating Faith into Business Decisions35:00 Joe's Journey: Bringing God into Business36:46 The Power of Small Acts: Giving Away Bibles37:48 Practical Faith: Applying Biblical Principles45:28 Onboarding New Clients: A Faith-Based Approach51:26 Encouragement and Final Thoughts52:18 Rapid Fire Questions and Fun57:09 Closing Remarks and Contact InformationConnect with Ken OnlineLinkedIn: https://www.linkedin.com/in/kengosnell/Website: https://www.ceoexperience.com/ or https://ceoretreatday.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

In this episode of Construction Disruption, hosts Todd Miller and Ryan Bell sit down with Josh Sanabria, an expert in master planning and urban design from Go Architect and Engage. Josh shares insights into the importance of intentional community planning and the critical role of thorough surveys in shaping public spaces. From school districts planning for future growth to city downtown revitalizations, Josh's firm specializes in strategic community development. Learn how they use innovative tools like Engage's survey software to gather qualitative and quantitative data to inform and support master plans. Josh also opens up about his journey in architecture, the challenges of leading a startup, and his passion for community improvement through art and design. Don't miss this deep dive into the complexities and rewards of creating cohesive, vibrant communities.Timestamps00:00 Introduction and Co-Host Introduction01:57 Master Planning with Joshua Sanabria02:31 Josh's Background and Career Path04:33 Importance of Good Planning05:15 Chicago's Master Planning Success06:50 Go Architect's Projects and Approach14:32 Community Engagement and Surveying18:19 Quantitative and Qualitative Data Analysis26:56 Understanding Project Support27:40 Engage: Open for All27:58 Versatile Applications of Engage28:57 Author and Photographer29:59 Lessons in Leadership32:37 Future Trends in Design and Construction36:15 Final Thoughts and Farewell36:54 Rapid Fire QuestionsConnect with Josh OnlineLinkedIn: https://www.linkedin.com/in/jpsanabria/Website: https://www.goarchitect.com/Survey Software: https://engagebygo.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

Why Does NCUA Ask to Meet with CU Board without CU Staff Present?Join Mark Treichel and his team as they delve into the rare but important topic of why the National Credit Union Administration (NCUA) might ask to meet with a credit union's board of directors without staff present. In this episode, Mark, Steve Farrar, and Todd Miller share personal experiences and insights from their extensive careers in credit union examination and supervision. Learn about the reasons behind such requests, how to handle these meetings, and the implications they might have for your credit union.  Guest Introductions Steve Farrar's Background Todd Miller's Background Increasing NCUA Board Meetings without Staff Board Chair vs. Full Board Meetings Meeting with Specific Board Members Supervisory Committee Conversations Handling Full Board Meetings without Staff Considerations for Board Responses Recording Meetings and Legal Counsel Emotional Responses and Agreement Caution Conclusion 

In this episode of Construction Disruption, hosts Todd Miller and Ryan Bell of Isaiah Industries engage in a lively and informative discussion with Katie Smith, founder and Fractional Chief Marketing Officer of Wildpath Consulting. Katie shares insights on the impact of authentic and truthful marketing, the evolving customer journey, and her unique approach to helping businesses grow sustainably through customized marketing strategies. She also explains how her background as a wilderness guide influences her approach to guiding companies through the complexities of modern marketing. Filled with anecdotes, professional advice, and laughter, this episode is a must-listen for businesses looking to enhance their marketing efforts.Timestamps00:00 Introduction and Co-Host Banter01:11 Introducing the Challenge Words01:34 What Makes a Business Stand Out?02:19 Guest Introduction: Katie Smith03:17 Katie's Background and Marketing Journey04:50 The Role of a Fractional CMO06:48 Wilderness Guiding and Marketing Analogies12:34 Marketing vs. Branding21:32 The Power of Authenticity in Business22:49 Identifying Ideal Clients24:24 Building a Custom Marketing Strategy25:52 Success Story: Transforming a Metal Manufacturer32:03 The Importance of Marketing and Sales Alignment32:47 Trends to Watch: AI in Marketing34:17 When to Hire a Fractional CMO35:36 Rapid Fire Questions39:40 Conclusion and Contact InformationConnect with Katie OnlineLinkedIn:https://www.linkedin.com/in/katiesmithwildpath/Website: https://followthewildpath.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

# With Flying Colors Podcast: CAMEL Code 4 - What You Need to Know Episode SummaryMark Treichel discusses CAMEL Code 4 ratings for credit unions with guests Steve Farrar and Todd Miller, both former NCUA employees. They explore what a Code 4 rating means, its implications, and what credit unions should expect.## Key Points1. CAMEL Code 4 Definition:   - Indicates unsafe and unsound practices or conditions   - Risk management practices considered unacceptable for credit union size/complexity   - NCUA may have concerns about management's ability to correct problems2. Implications of a Code 4 Rating:   - Administrative action (usually unpublished Letter of Understanding and Agreement)   - Examinations every 120 days (6-12 weeks of examiner presence annually)   - Potential loss of Federal Reserve daylight overdrafts   - Possible assignment to NCUA's Division of Special Actions   - Federal Home Loan Bank may eventually be notified, potentially affecting borrowing terms3. Board and Management Responsibilities:   - Increased expectation for board to hold management accountable   - More frequent progress reporting to the board   - Need to authorize resources for problem resolution4. Financial Implications:   - May affect NCUSIF equity ratio, especially for larger credit unions   - Potential collateral requirements from lenders   - Possible issues with mortgage sales on secondary market5. Regulatory Oversight:   - NCUA approval required for changes in senior management and board members   - More detailed Document of Resolution (DOR) requirements6. Comparison to CAMEL Code 5:   - Code 5 indicates imminent failure risk   - Limited options, often leading to regulator-driven mergers or conservatorship## Guest Backgrounds- Steve Farrar: 30-year NCUA career, split between field work and central office roles- Todd Miller: 34-year NCUA career, including roles as examiner, capital market specialist, and director of special actions## Additional Notes- Discussion of historical tools like PUED (Prior Undivided Earnings Deficit) no longer available to NCUA- Emphasis on the challenging but potentially rewarding nature of working with troubled credit unions

In this episode of the Construction Disruption podcast, host Todd Miller and co-host Ethan Young engage with Josh Holleb, Systems Integration Specialist at Ceres Greenhouse Solutions. They delve into the world of greenhouse construction, discussing the design, engineering, and significant innovations in greenhouses that positively impact sustainable agriculture and local food production.Josh offers insights into the technologies that differentiate Ceres from competitors, the benefits of local food systems, and how Ceres is expanding its reach globally. He also shares about Ceres' new residential kit greenhouses and the importance of proper design in building efficient structures. This conversation is a must-watch for those interested in sustainable building practices and the future of agriculture.Timestamps00:00 Introduction00:47 Today's Topic: Greenhouses and Grow Houses01:19 Guest Introduction: Josh Holleb from Ceres Greenhouse Solutions01:43 Ceres Greenhouse Solutions: Scope and Operations04:58 Greenhouse Technology and Innovations05:59 Company Growth and Market Expansion07:57 Geographic Footprint and Global Projects09:25 Glazing Technology and Its Benefits11:00 End Uses and Market Segments12:13 Vesta: The Home Kit with an Attached Greenhouse14:17 Local Food Production and Community Impact17:48 Greenhouse vs. Outdoor Growing19:03 Construction and Building Greenhouses20:31 Future Trends and Innovations in Greenhouses23:26 Advice for Aspiring Greenhouse Enthusiasts24:27 Final Thoughts and Design Importance25:42 Rapid Fire Questions29:28 Conclusion and Contact InformationConnect with Josh OnlineLinkedIn: https://www.linkedin.com/in/josh-holleb-ceresgs/Website: https://ceresgs.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

In this episode of the Construction Disruption podcast, Todd Miller of Isaiah Industries and co-host Ethan Young sit down with Ron Nussbaum, founder of BuilderComs. They discuss Ron's journey from the Marine Corps to construction and eventually technology, focusing on how BuilderComs evolved into the platform it is today. Ron shares insights on solving communication issues in the construction industry, the app's functionality, and its impact on businesses and homeowners. With a vision to integrate seamlessly with other construction software, BuilderComs aims to be the central communication hub. Tune in for an engaging conversation filled with industry insights and practical advice for construction professionals. Timestamps00:52 Dad Jokes and Challenge Words01:37 Communication in Construction02:04 Introducing Ron Nussbaum and BuilderComs03:16 The Evolution from NuttNest to BuilderComs08:04 BuilderComs: Features and Benefits10:28 Client Onboarding and Support12:11 Homeowner Experience with BuilderComs17:51 Client Feedback and Success Stories20:31 Future Challenges and Opportunities21:49 BuilderComs: Bridging the Software Gap in Construction22:43 The Power of Integration with Procore24:20 The Vision Behind BuilderComs25:41 Introducing the Construction Champions Podcast26:30 Changing the Mindset of the Construction Industry29:39 Advice for Newcomers in Construction33:16 Rapid Fire Questions with Ron Nussbaum39:55 Final Thoughts and Contact InformationConnect with Ron OnlineLinkedIn: https://www.linkedin.com/in/ron-nussbaum/Website: https://www.buildercoms.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

We preview the fall season for the Utes with Garrett Clegg and the Cougs with Todd Miller, and put a bow on the Utah Senior State Am, on the live show on ESPN 700. The Country Club pro Haley Sturgeon joins in with deets on her experience at the LPGA Q. Pod sponsored by Goldenwest Credit Union. 

In this episode of the Construction Disruption podcast, host Todd Miller and co-host Ethan Young engage in a captivating discussion with Adam Stark, co-founder of Jet Build. The conversation delves into the dynamic world of construction technology, prompted by Adam's unique journey from special forces in Israel to leading-edge tech entrepreneurship. Adam shares his insights on how Jet Build leverages AI to streamline real estate development and construction management, enhancing efficiency, productivity, and stakeholder collaboration. Additionally, Adam touches on his podcast, 'The Veterans Who Build Show,' which focuses on the transition of veterans into roles within the built environment. Tune in for a deep dive into how tech innovations are propelling the construction industry forward.Timestamps00:00 Introduction and Welcome00:14 Insights from Chicago Trade Meetings02:24 Introducing Today's Guest: Adam Stark04:07 Adam Stark's Background and Journey05:07 Military Service and Entrepreneurial Mindset10:56 Transition to Real Estate and Construction14:22 Challenges in Construction Management16:46 Founding Jet.build18:46 Leveraging AI in Construction21:11 Getting Started with Jet.build22:30 Onboarding and Training for Large Projects23:20 Client Feedback and Product Improvement24:58 Success Stories and Client Engagement27:40 Introduction to Shalosh Wellness Philosophy30:14 The Veterans Who Build Show33:54 Rapid Fire Questions38:15 Closing Remarks and Contact InformationConnect with Adam OnlineLinkedIn: https://www.linkedin.com/in/adamstark512/Website: https://jet.build/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy

In this episode of Caring Greatly, Mr. Miller talks about the increase in workplace violence in healthcare settings and how he and his team of security professionals respond to the rising threat. He describes how the role and responsibilities of security professionals have evolved as our understanding of trauma-informed care has grown. Mr. Miller talks about de-escalation approaches that try to minimize physical intervention, and how the profile of strong candidates for the security role has evolved to include the ability to connect easily with patients and families. And he discusses the need for security professionals to have their own resources and post-incident debriefs to support their wellbeing.    The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of Stryker. 

Economic Outlook: From Automotive to AI with Wolf RichterThe Impact of Financialization on the Modern Economy with Wolf RichterCommercial Real Estate and Manufacturing Trends with Wolf RichterExploring the Impact of Financialization and AI in Real Estate with Wolf RichterIn this episode of the Construction Disruption podcast, Todd Miller and co-host Ethan Young sit down with Wolf Richter, founder of WolfStreet.com, to discuss a variety of pressing economic topics. Richter shares his insights on the structural challenges in commercial real estate, the potential impacts of AI on various industries, and some significant trends in manufacturing and housing markets.With a fascinating personal journey that includes a three-year travel experience, Richter offers a unique perspective on business, finance, and real estate. Whether you're in construction, finance, or simply interested in modern economic dynamics, this episode is packed with valuable information and thought-provoking discussions.Timestamps00:38 Introducing Today's Guest: Wolf Richter01:08 Wolf Richter's Journey and Career06:45 Commercial Real Estate Post-Pandemic13:14 Impact of AI on Commercial Real Estate16:09 Manufacturing Infrastructure Boom24:01 Supply Chain Reflections26:43 Current State of the Housing Market30:03 Market Dynamics and Housing Prices30:37 Regional Housing Market Trends31:56 Impact of Mortgage Rates and Supply33:26 Small Business Survival Post-COVID34:53 American Entrepreneurial Spirit38:02 Reading Habits and Information Sources40:19 Life in San Francisco43:21 Financialization and Economic Risks47:58 Rapid Fire Questions53:48 Closing Remarks and Final ThoughtsCheck out Wolf's BlogWebsite: https://wolfstreet.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpChartable - https://chartable.com/privacy