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Illinois health insurance open enrollment begins
CHICAGO — Illinois residents can begin shopping for 2027 health coverage today through Get Covered Illinois, the state-run insurance marketplace, as the annual open enrollment period opens. Open enrollment runs […]
Business People: Toro appoints Tennant exec David Huml to board
Manufacturing The Toro Co., a Bloomington-based maker of lawn mowers and snow removal machines for consumers and businesses, announced the election of David Huml, president and chief executive officer of Tennant Co., to its board of…
‘Bipolar Blonde’ Business Owner Opens Up About Finding Color in the Darkness
Kentucky native Morgan Hutchinson has always had a knack for bringing color and joy into women’s lives through her clothing label BURU. Now, she’s inviting them into a more personal side of that missi...
Senator Chris Murphy Is ‘Awake and Alert’ After Suffering a Stroke
The Connecticut senator, who has been campaigning for fellow Democrats, has been viewed as a potential candidate for president in 2028.
Some Americans Are Fearful of Federal Interference on Election Day
Most voters say they trust that the results of the election will be accurate. But some worry that President Trump will try to sow doubt.
Rep. Haley Stevens endorses GOP candidate Mike Rogers in Michigan Senate race
Stevens’ endorsement came after El-Sayed’s campaign asked the Michigan representative to no longer attend campaign events amid a dispute over an outside ad that Stevens said was antisemitic.
Mike Matheson Sidelined and Kids Stepping Up for Montreal Canadiens
On Saturday morning at the Bell Centre in Montreal, the media were given a team injury update that included Mike Matheson sidelined for an additional two weeks with a lower-body injury. This would certainly not be received as good news by the Montreal Canadiens. They have already been functioning without top-six forwards Nick Suzuki and …
Democrat Haley Stevens endorses GOP's Mike Rogers in Michigan Senate race 2 days before election
The remarkable show of support for President Donald Trump's backed candidate in the tightly contested race comes after she was uninvited to a joint event the same day with El-Sayed, who defeated the congresswoman by a slim margin in the August primary.
Turmoil in Michigan's Senate race as Democrat Haley Stevens appears with Republican Mike Rogers
Stevens' show of support for President Donald Trump's endorsed candidate in the tightly contested race comes after she was uninvited to a joint event the same day with El-Sayed, who defeated the congresswoman by a slim margin in the August primary.
Lions’ Sam LaPorta Makes Personal Admission About His Contract Situation
Sam LaPorta wants his future in Detroit sorted out, but the Lions front office isn’t making it easy. Determined to land a new deal, the contract standoff between the two sides has heated up over the past couple of weeks, especially after LaPorta’s recent public comment about his future with the franchise. On that note, he […] The post Lions’ Sam LaPorta Makes Personal Admission About His Contract Situation appeared first on HEAVY.
'SNL' goes after AI, startup culture, and 'predatory tech guys'
'SNL' fired shots at AI startup culture in its latest episode.
Wisconsin Office of Rural Health Seeks Nominations for Rural Health Heroes
Leaders with the Wisconsin Office of Rural Health (WORH) are asking you to consider nominating an individual, program or organization
The Trump-Kennedy Effect On US Health: Slow-Burn Damage Over Decades
Cuts to Medicaid, the health services for low-income Americans, and fewer childhood immunisations – alongside persistent insinuations that vaccines are unsafe
I wanted a side-hustle. I started a business instead.
Jessica Redford started a cake pop business while homeschooling three kids. She now sells out weekly and has found a creative outlet.
Trump's Republicans scramble to stop Democratic midterms wave
Republicans made a final push Sunday to prevent a predicted thumping in US midterm elections where Democrats are gunning to win Congress and impose a first political check on President Donald Trump's ...
Haley Stevens appears at Detroit church with Mike Rogers
Democratic U.S. Rep. Haley Stevens showed up, alongside Republican Mike Rogers, at a Detroit church service on Sunday morning.
10 cities with the most millionaire renters
As companies head South, they're bringing their workers with them. It's fueling a surge in millionaire renters across several Southern cities.
Trump hosts lavish Halloween party at Mar-a-Lago days before midterms
The president said he “came as Donald Trump.”
Best in Business: 2026
Learn more about the Eastside’s favorite leader, bank, nonprofit, architecture firm, happy-hour spot, location to secure a business deal, and more in the latest edition of Best in Business.
Martha Stewart Posts & Deletes Photo of Herself Dressed as ‘Hungry’ Person
In the pic, the lifestyle maven is dressed in ripped jeans and a tattered sweater and holds a sign reading, ‘I AM HUNGRY. HELP ME!!’
Photos: Kate Middleton's best and worst looks of 2026
Kate Middleton's fashion wins of 2026 include ball gowns and colorful suits, but she's had some style misses with her more casual attire.
Apple to eliminate non-touch MacBooks Pros other than core 14-inch model
When Apple launched the new touch-enabled MacBook Pros, the M5 Pro and M5 Max models stuck around. A new report says to not expect that to last.
Red Wings Legend Nicklas Lidstrom Makes Stunning Boycott Statement
Detroit Red Wings legend Nicklas Lidstrom calls for Sweden to consider boycotting international hockey if Russia is allowed to return.
Fierce turtles square off in a rare woodland turf battle
Step aside, Teenage Mutant Ninja Turtles.
Anthropic's internal AI usage now exceeds employee compensation
Anthropic's IPO filing reveals a striking milestone: Its internal AI usage is now valued above employee compensation.
Inside California Politics
(FOX40.COM) — This week on Inside California Politics, Los Angeles real estate developer Rick Caruso joins the show to discuss the L.A. mayoral race. Then host Nikki Laurenzo talks to two political analysts about several propositions and congressional races in the upcoming midterm election. Earlier this week, Caruso announced he would be voting to reelect […]
🤬 Venezia, Nicola fumes: referees’ body must explain overturned penalty
After Como-Venezia, Davide Nicola made no secret of his frustration over the incident in the 28th minute, when a penalty initially awarded to Venezia was overturned following a pitchside monitor revie...
The Sensory Shoppe opens third location in Greenwood
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2027 South Side Sox Top Prospect No. 100: Jarold Rosado
At least this season’s failure at Double-A ended with a ring down in High-A
Night out turns violent as gunfire erupts outside La Cantera-area business
KABB Fox News 29 San Antonio provides local news, weather forecasts, traffic updates, investigations, notices of events and items of interest in the community, sports and entertainment programming for San Antonio and nearby towns and communities in South Central Texas, including Bandera, Boerne, Carrizo Springs, Castroville, Cibolo, Converse, Crystal City, Cuero, Del Rio, Devine, Eagle Pass, Floresville, Fredericksburg, Goliad, Helotes, Hondo, Kerrville, Live Oak, New Braunfels, Pearsall, Pleasanton, Poteet, Poth, Sabinal, San Marcos, Seguin, Schertz, Somerset, Universal City, Uvalde, Windcrest.
Night out turns violent as gunfire erupts outside La Cantera-area business
WOAI NBC News Channel 4 San Antonio provides local news, weather forecasts, traffic updates, investigations, and items of interest in the community, sports and entertainment programming for San Antonio and nearby towns and communities in South Central Texas, including Windcrest, Uvalde, Universal City, Somerset, Seguin, Schertz, San Marcos, Sabinal, Poth, Poteet, Pleasanton, Pearsall, New Braunfels, Live Oak, Kerrville, Hondo, Helotes, Goliad, Fredericksburg, Floresville, Eagle Pass, Devine, Del Rio, Cuero, Crystal City, Converse, Cibolo, Castroville, Carrizo Springs, Boerne, Bandera.
Jane Leeves recalls how David Hyde Pierce rallied “Frasier” team after losing series co-creator David Angell on 9/11
Leeves remembered David Angell, who died alongside his wife in the Twin Towers attacks, as a “remarkable man” who “quietly went about the business of bettering so many lives.”
Sarri: ‘Atalanta are ambitious, but we can’t underestimate Parma’
Maurizio Sarri insists Atalanta are aiming to build “a new, great cycle”, but he warned his side not to underestimate Parma, despite their position near the bottom of Serie A.With quotes via Tutto...
Should you take a buyout?
This is a condensed version of Business Insider Today, a newsletter that gives you a look at the week’s top stories. Sign up here to get the full Business Insider Today in your inbox every day for the top stories in markets, tech, and business.
Former President Obama endorses Charles Booker in Kentucky Senate race
Charles Booker is running against Republican Rep. Andy Barr to succeed Sen. Mitch McConnell.
What Could Greenville Look Like in 2050?
What could Greenville look like in 2050, and what must we do today to ensure more residents share in its prosperity? That’s what 100 business and civic leaders set out to explore through the Greenville Chamber’s “Big Bets” series. Over the past...
The Best Leadership Lessons Aren't Learned at Work
From pickleball to woodworking, discover how pursuits outside the office sharpen business performance and offer the best leadership lessons.
Trump administration promises US farmers $15 billion in weeks before the midterms
President Donald Trump’s administration has made $15 billion worth of promises to agriculture producers in the last few weeks of the midterm elections.
FULL SHOW: Inside INdiana Business 11/1/26
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Club beyond saving? Baumgart lays into crisis-hit German side
Steffen Baumgart is currently without a club after being sacked by Union Berlin. Asked whether he could see himself taking charge at struggling Hannover 96, the 54-year-old made his feelings crystal c...
As Election Day nears, a look at the big money, tight polls, and closing themes in the Texas Senate race between James Talarico and Ken Paxton
AdImpact Politics reports that when you add up the amount of ad spending in both the general election and the primaries, the Texas Senate race is now the most expensive non-presidential race on record — with ad spending reaching $544.5 million.
Luciano Spalletti is thinking about changing formations again
Luciano Spalletti is considering another change of formation at Juventus as the club struggles to secure positive results. After their shock home defeat to Lazio, he switched to a 3-5-2 system, but th...
Who's enforcing the rules on billions in political spending?
Super PACs can spend unlimited amounts of money to influence elections, but they’re prohibited from coordinating that spending with candidates’ campaigns. In the fourth episode of Follow the Money, we examine how campaigns and outside groups navigate those rules, the controversial practice known as redboxing, and why vacancies and staffing shortages at the Federal Election Commission have raised serious questions about oversight of political spending.
Anthropic plans to give back, philanthropy gurus weigh in
Anthropic's IPO filing laid out several ways in which it plans to give back. We asked three philanthropy gurus to assess its efforts.
Inside the final months of Villa Vie Odyssey's doomed never-ending cruise
The Villa Vie Odyssey kept circling one corner of it while finances worsened, services deteriorated, and cash calls mounted.
Herzog calls on political leaders to demonstrate flexibility ahead of coalition negotiations
The Joint List and Ra'am are expected to recommend Gadi Eisenkot for prime minister during consultations with President Isaac Herzog, a senior Joint List official told Walla on Sunday.
Spoiler candidate, Cheesecake Factory and sibling rivalry: Recounting the many late 2026 midterm sideshows
The final stages of the campaign have been chock full of October surprises — and some of it has been rather silly and even corrosive.
How to follow along with CNN’s election coverage
Millions of voters will cast their ballots Tuesday in an election that will decide the balance of power in Congress and set the tone for President Donald Trump’s remaining two years in the White House.
How my 8-person company uses AI agents to avoid doubling our team
Founder Rachel Woods explains how her 8-person company uses AI agents to automate work and avoid 4 new hires. Here's her playbook.
Webb and Hubble telescopes watch ghostly objects appear in the Cat's Head Nebula — Space photo of the week
The Cat's Head Nebula shows its ghostly insides and sinister red eye in rival views from the Hubble and James Webb space telescopes.
Charles County Health Officials Report Early Flu Season, Urge Shots Before Holidays
LA PLATA, Md. — With flu cases already showing up in Charles County and holiday gatherings approaching, health officials are encouraging residents to get vaccinated before the season picks up. Residents can get a flu shot during weekday walk-in hours at the Charles County Department of Health, with another opportunity coming Saturday, Nov. 7, at […]
Charles County Health Department Faces Potential Cuts As Demand For Services Grows
LA PLATA, Md. — Charles County’s health department is preparing for a potential 12% cut to the Local Behavioral Health Authority while working to expand access to care for residents. The state requested a plan for the possible reduction, commissioners learned during a biannual health department briefing Tuesday, Oct. 27. According to the Charles County […]
A potential Democratic wave looms over Trump. Where does MAGA go after the midterms?
The Republican reckoning tests a party infrastructure reshaped around President Trump since his insurgent rise in 2015 transformed the GOP.
Apollo is bringing its private-equity operating playbook to nonprofits
The private equity giant just hosted its biennial Apollo Opportunity Foundation summit for nonprofit leaders.
5 New Foldable Phones To Consider Instead Of The iPhone Duo
Compare top foldable alternatives to the iPhone Duo: Samsung Galaxy Z Fold 8, Pixel 11 Pro Fold, Galaxy Z Flip 8, Xiaomi 18 Fold, and Motorola Razr.
Why I spend hundreds of dollars to race the New York City Marathon
I spent $333.11 to register for the 2026 New York City Marathon. I didn't bat an eye at checkout — but not because the purchase wasn't significant.
“Everybody’s Practicing Less, but Getting Injured More”: Kirby Smart Takes Candid Dig at NIL Era While Discussing SEC’s Growing Problems
As college football undergoes a major transition, Georgia head coach Kirby Smart has raised concerns about the NIL era’s impact on player motivation, roster depth, and injuries. Speaking after Georgia’s 27-8 victory over Florida on Saturday, Smart admitted that the current SEC landscape looks considerably different from what he experienced during his national championship runs in 2021 and 2022.
I skip the marathon for a 32-mile walk around Manhattan
I've never run a marathon, but I've walked the perimeter of Manhattan, about 32 miles, three times. I'm looking forward to doing it again.
I finished Christmas shopping in October for a stress-free December
Holiday shopping usually takes over my December. This year, I finished in October so I can enjoy more time with my family.
All your bond-market questions answered as rising rates roil markets
"I can't see long rates materially lower from here with inflation where it is, how sticky it is," says bond investor John Sheehan.
Meet the people 'vibe manufacturing' their ideas to life
These techies are using AI to prototype answering machines, toys, and jewelry. They call it "vibe manufacturing," a play on the term vibe coding.
DoorDash sees limited AI orders, but explores new tools
DoorDash CEO Tony Xu discusses AI agents like Meta's Muse, revealing low order numbers but plans for enhancing DoorDash's AI tools.
See inside Sarasota business' bigger new location near Lakewood Ranch
See inside a Sarasota business' new location near Lakewood Ranch after it moved about a mile for more space, easier access and better parking
Democrats Want to Prove They Can Win in the Rapidly Changing South
The electoral math could become difficult for Southern Democrats, especially if they lag on Tuesday: An influx of new residents means the party that controls Southern states is likely to gain political power after the next census.
This Republican Wants Voters to Consider a Post-Trump World
John E. Sununu, the Republican Senate candidate in New Hampshire, has the president’s endorsement but is keeping him at arm’s length.
Gaffes and Men’s Bodies: Analysis of Trump’s Speeches at Age 80
A Times review of the president’s public speeches finds that he is more profane, more absolutist, longer-winded and less coherent than he was in 2016.
The corruption election: Democrats link Trump’s wealth to voters’ economic pain
Candidates are painting the president and Republican incumbents as enriching themselves while ordinary Americans struggle to make ends meet.
Will Josh Shapiro’s Data Center Past Haunt his Political Future?
As Pennsylvania’s popular governor gears up for a potential presidential run, his reversal on the issue draws scrutiny.
Belarus Holding At Least 22 Political Prisoners In Psychiatric Hospitals, Rights Groups Say
At least 22 people in Belarus recognized as political prisoners by rights defenders face indefinite confinement inside secretive psychiatric hospitals. Cut off from amnesties and pardons, rights defenders warn that these individuals have effectively vanished into a legal "black zone."
'Grasping at straws': Judge dismisses Trump suit against Wall Street Journal over Epstein letter
Saying the president was "grasping at straws," a federal judge on Saturday threw out Donald Trump's $10 billion lawsuit against The Wall Street Journal and media mogul Rupert Murdoch over a story reporting on his ties to Jeffrey Epstein.
Zohranomics 101: How Mamdani is reshaping NYC's $1.3 trillion economy
A year after Zohran Mamdani's election, a slow-motion economic revolution is underway — from small wins and filled potholes to rent freezes.
I retired early at 31, moved from US to Ecuador. Life is cheaper here.
Johnston Osagie, a former Amazon finance manager, retired early at 31. He moved to Ecuador with his family for a more fulfilling, affordable life.
Black and Yellow Schedule for November
Wednesday, 4 November (9:00 p.m.): BVB vs. Real Betis Borussia Dortmund has started the group stage of the UEFA Champions League with two wins in three games. On 4 November, BVB will host Spanish side...
Third-choice? Inside Alexander-Arnold's struggles in Madrid
Trent Alexander-Arnold is currently third-choice right-back at Real Madrid - where does his future lie?
Alex Mitchell injury blow adds to England’s half-back woes
The scrum half appears set for a spell on the sidelines, with half back partner Fin Smith also a major doubt for the opener against Australia
Israeli President Herzog to begin coalition consultations on Wednesday in hopes to form new gov't
Tampa General Hospital and Health Care District of Palm Beach County to Open Lakeside Cancer Center in September 2027 - Florida Hospital News and Healthcare Report
Tampa General Hospital (TGH) and the Health Care District of Palm Beach County recently announced the upcoming expansion of cancer care for rural and western Palm Beach County communities. Anticipated […]
Sarah Seeherman, DO, Joins Baptist Health Primary Care as a Family Medicine Physician - Florida Hospital News and Healthcare Report
Board-certified family medicine physician Sarah Seeherman, D.O., has joined Baptist Health Primary Care. Prior to joining Baptist Health, Dr. Seeherman completed her family medicine residency at the University of Missouri-Kansas […]
Interventional Cardiologist Dr. Kevin Schneider Joins HCA Florida Healthcare - Florida Hospital News and Healthcare Report
HCA Florida Westside Hospital and HCA Florida Broward Cardiology announce the addition of Kevin M. Schneider, D.O., an interventional cardiologist, to the physician team. Dr. Schneider is a board-certified in […]
Washington State loses sixth straight game, 26-20
Make it six straight defeats in a continuous tailspin season for the Washington State Cougars. This time it comes at the hands of the San Diego State Aztecs, 26-20. For the last decade or so, losing six games in a season was considered a bad season. Now it’s six straight and eight total on the […]
It's here: 2027 Obamacare enrollment
Millions of Florida residents who purchase their insurance policies on healthcare.gov can begin shopping Sunday for coverage to take effect next year. Twelve companies will offer so-called Obamacare plans on the healthcare.gov marketplace, where subsidies are available to lower the costs of monthly premiums, the Florida Office of Insurance Regulation website shows. Another three are […]
‘I Came as Donald Trump’: The President Hosts a Luxury Halloween at Mar-a-Lago
President Trump attended his jungle-themed Halloween party at Mar-a-Lago dressed as a distinctly recognizable figure.
Polish president discusses Constitutional Court row with politicians
Polish President Karol Nawrocki held consultations with political representatives on Saturday amid a dispute over the country's Constitutional Court that erupted following moves by the government to c...
Southside business owners raise safety concerns after woman shot during Atlantic Boulevard gathering
A shooting that injured a woman early Saturday morning has renewed concerns among Southside business owners who say large late-night gatherings along Atlantic Boulevard have become a recurring problem.
Yakima County health officials report second avian influenza case
YAKIMA, Wash. — The Yakima Health District, working with the Washington State Department of Health, announced a second Yakima County resident tested positive for avian influenza after exposure at a
Yankees Trade Pitch Lands $288 Million Infielder in the Bronx
The New York Yankees can only bring so many bold trade proposals to fruition.But this doesn’t stop rumors from surfacing.In a recent New York trade pitch, an MLB writer sent a $288 million shortstop to the Bronx.Let’s take a look at his daring suggestion.Yankees Urged To Target Royals’ Bobby Witt Jr.When Anthony Ranaudo of FanSided […] The post Yankees Trade Pitch Lands $288 Million Infielder in the Bronx appeared first on HEAVY.
North Carolina A&T issues statement on Elon homecoming brawl
North Carolina A&T Athletics has released a statement regarding the brawl f ollowing the team’s homecoming victory over Elon. Members of the two football teams got into a physical altercation immediately following the game on North Carolina A&T’s sideline. The full statement from North Carolina A&T’s Department of Athletics is below. “An on-field […] The post North Carolina A&T issues statement on Elon homecoming brawl appeared first on ClutchPoints.
Top Kennedy Center official urged closure due to financial problems, not poor conditions, lawyers argue
Eighteen months after President Donald Trump stepped in to remake the John F. Kennedy Center for the Performing Arts in his image, a top official worried about the Washington institution’s hemorrhaging finances urged for it to be shut down, according to court documents filed on behalf of the Ohio congresswoman seeking to stop the center from being shuttered.
Is there a presidential election in Arizona this year? Some think so
A county official in Arizona had to remind voters there is no presidential election in 2026 after repeated questions.
Nikita Kucherov’s Agent Already Has Team Lined Up [Report]
Nikita Kucherov’s agent, Dan Milstein, confirmed that his client will continue playing for the Tampa Bay Lightning while his trade request situation is resolved. That said, one insider connected to the Edmonton Oilers believes that Milstein has already been working behind the scenes on a trade destination.Bob Stauffer, the Oilers’ color commentator and host of […] The post Nikita Kucherov’s Agent Already Has Team Lined Up [Report] appeared first on HEAVY.
Business Owners Have a Window. Most Aren't Ready to Use It. by Tully Ryan
I spend my working life on both sides of a business sale. As an M&A advisor based in Wilmington, I help lower middle market owners across North Carolina, South Carolina and Virginia sell what they've built. As the founder and CEO of IQExit, I work with the bankers, wealth advisors, CPAs and attorneys who sit beside those owners for years before a sale ever comes up. From both seats, I keep seeing the same thing. The market is ready for our owners. Too many of our owners aren't ready for the market. Start with our own backyard. Wilmington's metro area added more than 12,000 residents between July 2024 and July 2025, a 2.6% jump that ranked seventh in the country. It also posted the highest job growth rate of any metro in North Carolina. I see the same pattern in the growth markets I work in across the Southeast. New residents mean new customers and new workers. They also mean new buyers: people who moved here from corporate jobs and want to own something, private equity groups looking for add-ons in HVAC, electrical, landscaping and other trade services, and younger entrepreneurs who would rather buy a running business than start one from scratch. The ownership numbers are hard to ignore. About half of North Carolina's small businesses have an owner who is 55 or older, and roughly 85% of those owners have no succession plan, according to the North Carolina Employee Ownership Center. Nationally, more than half of Baby Boomer business owners have no documented transition plan. That isn't a crisis yet. It's a timing problem. A lot of businesses will change hands over the next decade, and the prepared ones will get the better buyers and the better terms. Buyers have money and they're using it. But an active market doesn't mean a fast one. The IBBA's latest Market Pulse survey found that Main Street deals took six to 10 months from engagement to close in the second quarter, and lower middle market deals took 11 to 12 months. That clock starts after the owner decides to sell. In my experience, the real preparation has to start years before. Two clocks, two playbooks When I sit down with an owner or their advisor, my first question isn't “What's it worth?” It's “When?” The answer puts the owner in one of two groups. If the owner wants out within 24 months, we're in execution mode. There's no time to rebuild the business. The work is cleaning up what a buyer will test: three years of financials that tie to the tax returns, an add-back schedule you can prove, customer and vendor contracts in writing, a lease that can be assigned, and a price the market will actually pay. The goal is certainty to close. If the exit is two to five years away, the owner has something worth more than time. They have choices. That window is where most value gets built, and most owners waste it by waiting. What kills deals In the lower middle market, deals rarely die over the headline price. They die in diligence, or they get retraded late in the process. I see the same causes again and again. The owner is the business. If every key customer relationship runs through the owner's cell phone, a buyer sees risk and a lender sees more of it. The books don't hold up. Buyers spot weak accounting fast. Statements that get revised mid-process, a revolving door in the bookkeeper's chair, revenue tracked on a side spreadsheet, and margins that slip while sales climb with no clear reason all make a buyer nervous. So does an owner who pushes back when asked for documents. And plenty of private owners run personal expenses through the company. Add-backs are normal. Add-backs you can't document turn into a lower offer. The real estate isn't sorted out. Many owners hold their building in a separate LLC. That's fine, but the lease terms or the property sale should be settled before a buyer shows up, not halfway through diligence. Revenue sits in too few hands. Picture a contractor with 40% of its work coming from one builder, or a service company running on handshake deals. Buyers will still look, but the terms shift toward more seller financing, an earnout, or less cash at closing. Owners and advisors: if your exit is three to five years out • Get a baseline now. Find out where the business really stands today: what a buyer would pay, who that buyer is likely to be, and which gaps would hurt you in diligence. You can't fix what you haven't measured, and the answer is often different from what the owner expects. • Make yourself less necessary. Spend the next few years building a manager or small team that can run daily operations and own customer relationships. Put handshake deals into written contracts. A business that runs without its owner is worth more and is far easier to finance. • Clean the books for three straight years. Buyers and lenders look back at least three years. Separate personal expenses, keep the financials tied to the tax returns, track every add-back as you go, and settle the real estate plan early. A word to CPAs CPAs often see a sale coming before anyone else, and you're usually the most trusted voice an owner has. Year-end meetings are the right time to start this conversation. Here's what I'd ask every CPA to do this season with business owner clients over 55: • Ask the timing question. “Do you see yourself owning this business in five years? If not, who takes it over?” Write down the answer and bring it up again at next year's meeting. • Run a proof of cash and review revenue recognition. Make sure the cash in the bank ties to the revenue on the books. Pay close attention to contractors with work in progress and to companies selling memberships or service plans. These issues are easy to fix with years of lead time and painful to fix a month before closing. • Pair the tax return with an exit readiness review. Invite clients to complete IQExit's Exit Readiness Intelligence (ERI) process as part of year-end planning. It gives you and the client a shared picture of readiness gaps and an indicative value range, and the results come back to you as the advisor. That turns a tax meeting into a planning relationship, and it puts you in position to bring in tax and M&A help early, when choices like purchase price allocation can still save the client real money. Changing the conversation For bankers, wealth advisors and attorneys, the hard part is raising the subject without seeming to nudge a client toward the door. I understand that. Nobody wants to tell a 60-year-old owner it's time to sell. So don't. Ask a different question: “If a buyer called tomorrow, what would they find?” That's a planning question, not a pitch, and it's useful whether the exit is two years out or 15. It's the question we built IQExit to help advisors answer. Whether you're in Wilmington, Raleigh, Charleston, Richmond or anywhere else, owners have a real opening right now. The buyers are out there and so is the capital. The owners who come out ahead will be the ones who start getting ready before they're ready to sell.
The Best Time to Fix Your Business Is When Things Are Going Well by Nathan Tayloe
There's a pattern I've noticed working with growing businesses over the years. Conversations about what needs to change rarely happen when things are going well. They tend to happen when growth slows, a competitor starts winning business, or something that used to work stops producing the same results. By then, the decisions are often harder, more expensive, and more urgent than they needed to be. It's understandable. When revenue is growing, customers are coming in, and employees are busy, there's little incentive to question what's working. Leaders have plenty to manage without creating new challenges for themselves. Running my own business has taught me that it's easy to get caught up in what's happening today and put off improvements you know will matter tomorrow. Those periods of success may actually be the best opportunity a business has to make meaningful improvements. When Success Makes Change Less Urgent Most businesses have things they know could be better. The challenge is finding a compelling reason to address them when everything appears to be working. Maybe the company has outgrown its original positioning. Perhaps internal processes haven't kept pace with growth, or the customer experience has become inconsistent as the organization has expanded. These issues don't necessarily prevent a business from growing. Strong demand can make them easier to overlook, especially when teams are focused on keeping up with the work already coming in. Over time, small inefficiencies become accepted ways of operating. Outdated processes remain in place because they've always worked well enough, and opportunities to improve get pushed aside in favor of more immediate demands. The business continues moving forward, but some of the things supporting that growth aren't getting stronger along with it. The Advantage of Acting Early When a business is performing well, leadership has something valuable: options. There's more flexibility to invest, experiment, develop people, and make thoughtful decisions without the pressure of an immediate problem that needs solving. Compare that with trying to make the same changes when revenue is declining, or the market has shifted. Investments become harder to justify, timelines get compressed, and decisions that could have been made strategically become urgent responses to circumstances. I've seen businesses postpone improvements for years because there was never a particularly good time to address them. Eventually, circumstances decide for them, often when they have fewer resources and less flexibility to respond. Growth Changes What a Business Needs This is especially relevant in a growing market like Wilmington, where new businesses, new residents, and continued investment are creating opportunities across the region. As organizations grow, the expectations placed on them change. Customers expect greater consistency, employees need clearer processes and opportunities, and leadership has to make decisions that support a larger, more complex business. What worked when a company was smaller may still work today, but that doesn't necessarily mean it will support where the organization wants to go next. Sometimes the most valuable improvements are the ones that prepare a business for demands it hasn't experienced yet. That might mean: Strengthening internal processes before they become bottlenecks Developing leaders before the organization depends on them Improving the customer experience before inconsistencies affect retention Revisiting positioning before the market outgrows the company's story None of these changes requires a crisis. They require recognizing that a growing business needs to keep evolving, even when current performance gives leadership little reason to worry. Use the Good Years Wisely Successful businesses don't need to constantly reinvent themselves. There's value in knowing what works and having the discipline to build on it. There's also value in occasionally asking whether the business is as strong as its current performance suggests. Are there problems we've learned to work around instead of solving? Are we still operating the way we did several years ago, even though the business has changed? What would we improve today if we weren't waiting for something to go wrong? Success creates the freedom to ask those questions and act on the answers. The businesses that make the most of that opportunity are often better prepared for whatever comes next. The strongest businesses don't need a crisis to recognize an opportunity to improve. They use the good years to prepare for the years ahead. — Learn more about how we help organizations strengthen their positioning, align their strategy, and prepare for what's next at tayloegray.com, or reach out directly at nathan@tayloegray.com.
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