The Small Business Experience: Recent Episodes

With Dan & Ian

Join your hosts as they explore the journey and evolution of their small business. With guests from all business sectors and across the country, The Small Business Experience is the perfect mix of narrative and business acumen. For your viewing pleasure find us on YouTube @ Small Business Experience. Want to shop at small businesses? Visit SHOPSBE.CO

In this episode, Dan & Ian talk about cat fishing, giant spiders, a variety of business topics and why Dan might be working in Antartica. Ian gives his compelling theory on evolution and why are we talking about Taylor Swift?

This week the boys shout out Local Tap, a brewery in Lansdale. Seasonal cocktails, independent label specialty brews and live music. Check them out on our website listed below.

shopsmall #smallbusiness #podcast

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/70527961/admin/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian discuss Elon's takeover of Twitter and the details of the deal. They each give their reasoning for why this ended up happening.

Dan & Ian go down the rabbit hole of invasive species in Florida and Ian's of knowledge of mosquito populations becomes concerning.

As always, Dan & Ian are giving a shout out to a small business: La Bella Moda. This beautiful bridal salon as a great selection of wedding dresses, mother-of-the-bride dresses, bridesmaid dresses and a host of boutique items. Check them out on https://www.shopsbe.co/boutiques

shopsmall #smallbusiness #podcast

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram:https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/70527961/admin/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

This week Dan & Ian are back, but in zoom form. Dan shares his opinion on a movie and how it relates to the Metaverse.

The boys release new small businesses and challenge Elon’s intentions with his attempted takeover of Twitter. We hope you enjoy!

shopsmall #smallbusiness #podcast

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/

SBE LinkedIn: https://www.linkedin.com/company/70527961/admin/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

This week Dan & Ian are both back in the studio. They discuss feel good stories and the reality of technological downfalls.

The boys review one of their small businesses hot sauces and challenge each other in the Saltine Cracker Challenge. We hope you enjoy!

shopsmall #smallbusiness #podcast

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/70527961/admin/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome you back to the podcast for a solo episode. They talk about the recent Amazon scandal and how Netflix has positioned themselves to continue to dominate streaming. Also, Ian gives detail about his newest meal prep. Dan talks about Black Rifle Coffee Company and why they are successful.

shopsmall #smallbusiness #podcast

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/70527961/admin/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

"Reflecting on 10 Years of Being Brave..." -Brave Hearts for Strong Minds

In this episode, Dan & Ian welcome Brave Hearts for Strong Minds, a local nonprofit, to the podcast. The Executive Director, Andrea Wentzell, joins the boys to share about BHSM and many of the success stories.

Their yearly donor walk is June 18th. We hope some of these stories have touched you and that nonprofits like these will continue to be supported by our communities.

Brave Hearts for Strong Minds: https://bh4sm.org
BHSM Facebook: https://www.facebook.com/BHSMPhilly/

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian are back on another solo episode. This week includes the Russian invasion of Ukraine and a short history lesson of the conflict. Also, Dan shares the true concept of what it means to shop small. Ian gives his perspective on the macro effect of Amazon and big box retailers.

shopsmall #smallbusiness #Ukraine

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/the-small-business-experience

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

Former Special Agent and current Assistant Director in the Office of Internal Auditing at the FBI, Mark Gerber, joins the SBE podcast.

--Interview Topics--
Find a Mentor 03:05
Choosing a Major 4:10
Early Career (EY) 6:10
FBI Special Agent 13:20
Fraud Investigations 17:50
Professor at Saint Joseph's University 28:20
FBI Assistant Director of Internal Auditing 28:55
Luck or Hard Work? 34:38
Identifying Talent 38:55
Involvement in FBI Raids 42:30
Mark's Legacy 49:20

FBI Jobs: https://apply.fbijobs.gov

FBI #careeradvice #tellyourstory

A special thanks to Mark Gerber for graciously giving us his time. We hope everyone enjoys this and can take something away from Mark's incredible story. Thank you for joining us.

Want to shop at small businesses? https://www.shopsbe.co

SBE Instagram: https://www.instagram.com/smallbusinessexperience/
SBE LinkedIn: https://www.linkedin.com/company/the-small-business-experience

Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian are giving you a simple explanation of how to report your gambling activities for your 2021 tax return.

COMPLIANCE STATEMENT: Any income is taxable, not just money that is reported on your W-2G. All income is taxable unless exempt by Congress, even if you make $1. This video is strictly for entertainment purposes. This is not financial advice or recommendations.

Step 1: Receive Your W-2G statement
----Generally, you'll receive an IRS Form W-2G if your gambling winnings are at least $600 and the payout is at least 300 times the amount of your wager. If not, it is up to the individual to self-report their winnings and loses.

Step 2: How to Report Them (Federal)
-----Gambling losses are allowed to be deducted up to the amount won. There is no deduction received even if your losses far outpace your winnings (you cannot receive the additional deduction or carry forward that amount to subsequent years)
----You may deduct gambling losses only if you itemize your deductions
----You can only take this deduction if you keep detailed records based on your gambling sessions. ----Gambling is a high priority during personal audits. (i.e receipts, tickets, statements, or other records that have winnings and losses)
----Claim your gambling losses up to the amount of winnings as Other Itemized Deductions

Step 3: How to Report Them (State)
----IMPORTANT PA NOTE: Gambling winnings are fully taxable by the Commonwealth of Pennsylvania. State residents must pay state income tax on all gambling and lottery winnings from any source, except for non-cash prizes from playing the Pennsylvania State Lottery. As a resident, you must include lottery winnings from other states and countries.
----No, expenses attributable to gambling and lottery income are deductible, such as: parking, postage, entry fees, meals and lodging or travel.
----You can offset your winnings with losses up to the amount of winnings in PA

Step 4: Find a CPA to Help You
https://www.troutjames.com

Want to shop at small businesses? https://www.shopsbe.co

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In the return of short form episodes, Dan & Ian give you a guide to purchasing NFTs.

Step 1: Purchase Ethereum
Step 2: Set up an ERC compatible crypto wallet. We suggest using MetaMask, it is the best and most popular option
Step 3: Secure your Seed Phrase. A seed phrase is a unique set of 12 words. This is unique to you and you should never share it. Store your seed phrase somewhere securely.
Step 4: Copy your Ethereum address from your Metamask account. It will begin with a 0x and be followed by 40 characters. Send Your ETH from Coinbase to Metamask.
Step 5: From Metamask browse to opensea.io or other NFT marketplaces to connect your wallet and purchase.

Words of Caution: Only buy with money you can afford to lose, spend hours educating yourself and be aware there are a lot of bad projects. Spend time in discords learning about the project and their build strong communities.

Want to shop at small businesses? https://www.shopsbe.co

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian reveal the new small businesses joining https://www.shopsbe.co and give you an update on their goals. Also, they discuss small business role in the metaverse and the ongoing debacle of the PPP loans. The boys comment on the Joe Rogan continued controversy.

🔮 Metaverse
🥇 Olympians are Starving
🤑 IRS in Trouble
🎙 Joe Rogan New Issue

Want to shop at small businesses? https://www.shopsbe.co

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian reveal the new small businesses joining https://www.shopsbe.co
Also, they dig deeper into cultural topics and events that are on the horizon.

🇨🇳 Chinese New Year
📜 Parkinson's Law
🎙 Joe Rogan Controversy
🗞 NYT Buys Wordle
🏈 Super Bowl Coming Soon
🙈 PSA Check on Your Friends

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian have a lot to share. The world is going through changes and odd things are happening. How will this effect small businesses, supply chain and our daily lives?

💰Bitcoin & Ethereum
🇷🇺 Russia Invading Ukraine
🔥 Recent Fire Investigations
🏊‍♂️ Swimming the Hudson River
🌺 Missile Alert in Hawaii (2018)
🔭 James Webb Telescope Lands

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode one of the boys is in quarantine, can you guess who? This episode hits on some intense subjects that are controversial ideas. Dan gives his prediction for the Metaverse and Ian exposes the electric vehicle market. There is so much to unpack on this episode, thank you for being here.

🏈 Most Profitable Sports League
👔 Our Style
👾 The Metaverse Hot Take
🏬 Store Fronts Disappearing
🚗 Electric Vehicle Issues
🇨🇳 China Responds to Climate Change
🥽 Virtual Reality

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian freestyle. Following their big launch of https://www.shopsbe.co they turn this week into a casual episode. Enjoy!

🐃 Getting closer to your food
🏈 College National Championship Game
🏆 2022 Goals
😃 Bob Saget & Betty White
🍤 Crayfish
👩🏻‍💼 Nancy Pelosi

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

The Website is FINALLY LIVE! https://www.shopsbe.co is the official online home for small business owners & the people who support them.

Live on https://www.shopsbe.co you can list your small business, refer a small business, and shop for SBE merchandise items.

For purchases from January 7th-January 10th, we will be donating 30% of our profits to a Non-Profit that is chosen by the audience. You can vote on LinkedIn or drop a comment below.

-Brave Hearts for Strong Minds: https://bh4sm.org
-Bruce Montgomery Foundation for the Arts: https://www.brucemontgomery.org
-Never Surrender Hope: https://neversurrenderhope.org

Thank you for being apart of our journey. The Small Business Experience is officially Open for Business.

In this episode, Dan & Ian welcome you back to the SBE for a start to the new year. Welcome to 2022 and we have a lot ready for you. Our project drops this Friday, 1/7/2022. We cannot wait to share with you.

--TIMESTAMPS--
Ian Swiss Trip: 02:45
Current Events: 33:56
Top New Year Resolutions 2022: 48:30

--NEWS & VIEWS--
Theranos Trial: https://www.foxbusiness.com/technology/elizabeth-holmes-decision
Apple Market Cap: https://www.nbcnews.com/tech/apple/apple-becomes-first-us-company-reach-3-trillion-market-cap-rcna10767
Small Business Growth: https://www.nbcnews.com/business/business-news/flip-side-great-resignation-small-business-boom-rcna10356

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian give you the full 2021 recap. They take you through their favorite moments of this past year. From guests to their infamous rants, this episode has it all. Thank you for taking this ride with us. Happy Holidays!

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian give an update on their project. DATE WILL BE ANNOUNCED SOON. We are revolutionizing what it means to shop small.

Ian gives eye-opening stats on shopping small for the holidays, while Dan analyzes the micro and macro effect of investing in your local economy.

Dan vs. Ian is back with vengeance. The boys are guessing the top 17 trending products to sell in 2022. Tune in to see who wins this week!

Shop Small Stats: https://www.fundera.com/resources/local-shopping-statistics

--TIMESTAMPS--
Shop Small Stats: 06:57
Current Events: 25:32
Top Products 2022: 47:25

--NEWS & VIEWS--
Inflation Record High: https://www.cnn.com
Chamath vs. Bezos: https://twitter.com/chamath/status/1469295926783135744
Better CEO: https://www.foxbusiness.com/business-leaders/better-ceo-time-off-zoom-layoffs-employee-backlash

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode Dan & Ian take you on a trip throughout the holiday season. They take a stance in the Apple vs. Android debate and offer solutions to the global supply chain issues. Dan gives his estimation about the small business slump this gift-giving season. Ian details the joint venture between Meta (previously Facebook) and Uber. Finally the boys compete to see who can guess 2021s best credit cards.

--TIMESTAMPS--
Holiday Shopping: 12:05
Current Events: 20:49
Best Credit Cards of 2021: 54:46

--NEWS and VIEWS--
Small Business Saturday Slump: https://www.cnbc.com/2021/11/27/small-business-holiday-shopping-is-back-and-maybe-changed-forever.html
Pre Holiday Lay-Offs: https://www.foxbusiness.com/real-estate/better-com-ceo-tells-about-900-employees-theyve-been-let-go-during-pre-holiday-zoom-call-report
Uber Partners with Meta: https://www.cnn.com/2021/12/02/tech/uber-whatsapp-india-intl-hnk/index.html

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome you to your favorite podcast with a debate on holiday traditions. Dan & Ian each share their perspective on the holiday season and some new things to try at your family gatherings.

News & Views is stacked with another eccentric billionaire stepping down from his role as CEO. Black Friday and Cyber Monday declined in overall sales this year and the LA Rams settled their dispute with St. Louis.

Finally, the boys debate THIS OR THAT:
1. Federal Student Loans vs. Private Student Loans
2. Credit Cards vs Debit Cards
3. Nike vs. Adidas
4. Black Friday vs. Cyber Monday
5. Robinhood vs. WeBull
6. NFT vs. Physical Art

--TIMESTAMPS--
Least Favorite Holiday Tradition: 06:28
News & Views: 16:10
THIS or THAT?: 44:10

--NEWS and VIEWS--
Jack Dorsey Steps Down From Twitter: https://www.nbcnews.com/business/business-news/jack-dorsey-expected-step-twitter-ceo-rcna6918
Black Friday Sales Drop: https://www.nbcnews.com/business/business-news/black-friday-shopping-stores-drops-pre-pandemic-levels-rcna6851
St. Louis Suing the Rams: https://www.nbcnews.com/news/sports/nfl-los-angeles-rams-settle-st-louis-lawsuit-stemming-2016-relocation-rcna6617

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian give you another Behind the Scenes episode.

THIS IS A BREAK FROM OUR TYPICAL CONTENT

🦃 Thanksgiving Meals
🐃 Bison for Dinner
🪓 Surviving In the Woods
⚠️ Who Built the 7th Largest Pyramid?
😈 Foreign Government Troll Farms
🤖 The Fear of Artificial Intelligence

& MORE

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian give a teaser for a new SBE expansion. Merchandise items will be available shortly and we cannot explain how excited we are for this new project. DETAILS COMING SOON...

Dan & Ian dissect Biden's Infrastructure Bill. They analyze what is included in the bill and how the government is planning to pay for it. Also, the boys give their main takeaways, which remain consistent with the Biden Administration's campaign promises. Dan & Ian disagree about options the government should take and whether small businesses still need monetary support.

Lost Breed Custom Arts: https://www.instagram.com/lostbreed.customarts/

--TIMESTAMPS--
SBE Expansion: 00:27
News & Views: 12:37
Infrastructure Bill: 33:21

--NEWS & VIEWS--
The Flippening (ETH vs. BTC): https://medium.com/coinmonks/the-flippening-what-it-is-and-why-it-matters-63e22486ca44
Deaf Football Team in California: https://worldnationnews.com/underdog-no-more-deaf-football-team-takes-california-by-storm/
Uber In Hot Water for Charging Disabled Guest: https://www.nbcnews.com/news/us-news/uber-overcharging-disabled-users-justice-department-says-lawsuit-rcna5149

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome Mike Herman and Matt Herman to the podcast. The owners of CrossFit Summa discuss training methodology, mindset and stories that will touch your heart.

This episode shows listeners how to make changes in their lives and how these changes expand your functional fitness. Mike & Matt expose some myths of CrossFit and teach the audience about the process of beginning training.

Mike & Matt provide anecdotal examples of running your own small business and some tips for young entrepreneurs.

Contact CrossFit Summa: crossfitsumma@gmail.com / @crossfitsumma on Instagram / Website: https://www.crossfitsumma.com

Thank you for joining us on this episode. Please like, subscribe and write a review for the podcast if you enjoyed this. We will see you next WEDNESDAY!!!

In this episode, Dan and Ian analyze the phenomenon that is SHIBA INU cryptocurrency. They breakdown the whitepaper and its close connection with the Ethereum ecosystem. Ian debates the future of the metaverse and NFT marketplace. Dan questions if we can trust another Meme Coin to deliver honest results.

Also, the boys bring you the latest business news and Elon Musk making headlines once again. Finally, Dan & Ian face off to see who knows the Top 21 Small Business Ideas of 2021. Who takes home the crown this week?

--TIMESTAMPS--
Is SHIB Legit?: 02:25
News & Views: 25:46
Top 2021 Small Business: 54:50

--NEWS & VIEWS--
Facebook Changes Name: https://www.nbcnews.com/tech/tech-news/facebook-goes-meta-zuckerberg-announces-major-restructuring-rcna3605
Why People are Quitting Their Job?: https://www.nbcnews.com/specials/changed-careers-during-covid/index.html
Musk Solving World Hunger: https://www.usnews.com/news/business/articles/2021-11-01/musk-offers-6b-if-un-shows-how-it-will-solve-world-hunger

Top 2021 Small Business Ideas: https://www.businessnewsdaily.com/2747-great-business-ideas.html

Thank you for joining us. Please like and subscribe if you enjoy the content. We are glad to have you here, see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome Colt Armstrong onto the podcast. Colt is a USA Weightlifter who recently competed on the national stage. He brings a unique perspective of training for national competition, while balancing a full-time career. Colt discusses his training regimen, diet and mindset.

All social media profiles are provided below for people mentioned within the podcast.

Colt Armstrong-Instagram: @legweaklifter

MENTIONED:
Dane Miller / Garage Strength-Instagram, TikTok, YouTube: @garagestrength
Earth Fed Muscle-Instagram: @earthfedmuscle

Thank you Colt for joining us on the podcast. We hope you all enjoyed. Please like & subscribe to the channel!!!

In this episode, Dan & Ian talk about the new rating systems for publicly traded companies. They discuss environmental, social and governance (ESG) scores and how to look at them. Also, they bring you CURRENT EVENTS in their patented News & Views Segment.

Dan & Ian explain why Daylight Savings Time is overrated and their take on vitamin supplementation.

Finally, tune in till the end to see who is crowned this weeks champion of Dan vs. Ian.

--TIMESTAMPS--
ESG Stock Ratings: 04:55
News & Views: 18:40
Most Profitable Industry: 44:22

--NEWS & VIEWS--
Ninja Attack: https://www.npr.org/2021/10/01/1042487729/a-ninja-with-a-sword-assailed-a-u-s-army-special-operations-unit-in-california
NBA Healthcare: https://www.nbcnews.com/news/us-news/18-former-nba-players-arrested-federal-authorities-alleged-health-care-n1281022
Global Energy Crisis: https://www.cnn.com/2021/10/07/business/global-energy-crisis/index.html

Thank you for joining us. Please like and subscribe if you enjoy the content. We are glad to have you here, see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome Missy Herman onto the podcast. Missy is a former Division 1 Water Polo athlete and an elite CrossFit athlete. Missy shares her experiences with playing Water Polo in California and competing in CrossFit.

Missy dives into her unfortunate run-in with rhabdomyolysis in France and how she overcame much adversity throughout her life. Also, Missy shares a touching story about training someone who has cerebral palsy and how we can gain perspective from this.

--NEWS & VIEWS-- 41:15
Amazon Robot: https://www.cnbc.com/2021/09/28/amazon-robot-a-first-look-at-the-999-astro.html
200 Year Old Human: https://norwaytoday.info/everyday/scientist-thinks-worlds-first-200-year-old-person-already-born/
Golf?: https://www.cnbc.com/2021/09/26/callaway-dicks-sporting-goods-score-with-growth-of-golf.html

Thank you Missy for joining us on the podcast. We hope you all enjoyed. Please like & subscribe to the channel!!!

In this episode, Dan & Ian are back with hot takes and in-depth discussions. They analyze the breaking news story of Facebook's whistleblower and social media giants as a whole. Also, they talk about Dan's recent experience going LinkedIn viral, with 120,000 views on his most recent post.

Dan's LINKEDIN --https://www.linkedin.com/in/daniel-trout3

Dan & Ian answer the question... FOCUS ON STRENGTHS OR WEAKNESSES?
Episode #34 Brea Roper (Strengths)
Episode #89 Missy Herman (Weaknesses)

--TIMESTAMPS--
Going LinkedIn Viral: 04:50
News & Views: 24:16
Strengths or Weaknesses: 1:02:53

--NEWS & VIEWS--
Facebook Whistleblower: https://www.cnn.com/2021/10/03/tech/facebook-whistleblower-60-minutes/index.html
Oil Spill: https://www.cnn.com/2021/10/04/us/california-oil-spill-monday/index.html
Supply Chain Problems: https://news.yahoo.com/perfect-storm-supply-chain-issues-124620280.html

Thank you for joining us. Please like and subscribe if you enjoy the content. We are glad to have you here, see you next WEDNESDAY!!!

In this episode, Dan & Ian welcome Pete Hershey, CHT to the studio. They cover a lot of ground in this hour so stick with us, from marathons to industry secrets. Pete talks about his experiences becoming an Occupational Therapist (OT) and the differences between Physical Therapy and OT.

This episode dives into explorations of small business ownership, life autonomy, dealing with insurance companies and Pete's best advice for young entrepreneurs.

Pete gives tips for office workers and explains how small adjustments can transition to prolonged health benefits.

Thank you for joining us, please hit that like & subscribe button and we will see you NEXT WEDNESDAY...

In this episode, Dan & Ian discuss government bailouts and the developing story of Evergrande, a Chinese real estate giant. Dan and Ian give their personal opinions on if government bailouts should exist.

This week's News & Views segment dives into space missions, small business funding and a woman who was found in Croatia… she doesn’t know her name, age or where she is from.

Finally, Dan & Ian tell their worst work stories. Feel free to also share yours. We hope you enjoy them.

--TIMESTAMPS--
Government Bailouts: 04:40
News & Views: 21:55
Worst Work Stories: 49:43

--NEWS & VIEWS--
Space X All-Civilian Mission: https://www.google.com/amp/s/www.cbsnews.com/amp/news/inspiration4-first-all-civilian-crew-orbit-home-historic-flight/
Small Business Support: https://www.masslive.com/politics/2021/09/small-business-owners-could-get-billions-in-new-proposal.html
Women Found in Croatia: https://www.cnn.com/travel/article/croatia-woman-krk-island-scli-intl/index.html

Thank you for joining us! Please feel free to like and subscribe to our channel. We are glad to have you.

In this episode, Dan & Ian expose loopholes in this world and discuss how to close them. They explain tax inversion vs. tax evasion, and transition into breaking down nuances of small farm tax breaks. Also, they talk about Facebook's smart glasses and the new trend of The Great Resignation. Finally, the boys have a little competition, tune in to see who takes home the gold medal.

--TIMESTAMPS--
Sewing Loopholes: 03:55
News & Views: 26:55
Dan vs. Ian: 49:13

--NEWS & VIEWS--
Digital License: https://www.cnbc.com/2021/09/01/apple-announces-first-states-for-wallet-drivers-licenses-ids.html
The Great Resignation: https://www.cnbc.com/2021/08/27/great-resignation-heres-what-to-think-about-before-you-quit-your-job.html
Facebook Smart Glasses: https://time.com/6096715/facebook-ray-ban-smart-glasses/

We hope you enjoyed the episode. We are happy you are here! Please consider liking & subscribing to our channel, it really helps us.

A Break From Our Typical Content

This episode is free-flowing conversation. We tried to give you an insight into our personalities and the opportunity to get to know us more. We hope you enjoy.

🐈 Cat Disease
🎧 21 Savage
☠️ Arsenic
😳 Joining a Cult
🔩 4-Day Work Week
😰 Dealing with Anxiety
🍗 Opening a Chick-Fil-A
👑 ScarJo vs. Disney

If you enjoyed the episode, please consider liking & subscribing. Thank you for joining us.

In this episode, Dan & Ian bring you up to current speed on Afghanistan and the long-term ramifications of the U.S exit. Also, they explain personality traits according to a widely accredited study and reveal their own.

Elon Musk is at it again with a new robot that will replace human mundane tasks. Dan & Ian give their comments and their concerns.

Finally, your hosts compete in the Top 6 Business Challenges Draft. See who takes home the gold this week.

Personality Types: https://www.linkedin.com/pulse/how-recognize-four-personality-types-sell-them-darryl-evanetich/

--TIMESTAMPS--
3:20 Personality Types
15:25 News & Views
48:50 Business Challenges
59:28 Pfizer COVID Vaccine

--NEWS & VIEWS--
Afghanistan Economy: https://www.bbc.com/news/business-58235185
Afghanistan Fallout: https://www.forbes.com/sites/billconerly/2021/08/17/the-fall-of-afghanistan-and-us-foreign-trade/?sh=3ace01782562
Tesla Bot: https://www.cnet.com/news/elon-musk-unveils-tesla-bot-a-humanoid-robot-utilizing-vehicle-ai/

Top 6 Business Challenges: https://www.indeed.com/career-advice/career-development/challenges-businesses-face

Thank you for joining us! We are glad you are here. If you enjoyed the episode, please consider liking and subscribing...

In this episode, Dan & Ian debate if the internet should be treated as a public utility and the ramifications of this decision. Their candid discussion about voting with your dollar unveils the truth about the current state of consumer power in the open market.

Dan & Ian breakdown PPP loan fraud, twitter misinformation & more in their current event segment. Finally, they have a competition to see who knows consumer sentiment the best. Guess the winner...

--TIMESTAMPS--
Internet Public Utility 04:23
Dollar Votes 25:34
News & Views 31:47
Buying Decisions 47:40

Net Neutrality: https://www.wired.com/story/guide-net-neutrality/

--News & Views--
PPP Loan Fraud: https://www.cnn.com/2021/08/17/business/ppp-loan-fraud-fintech/index.html
Twitter Misinformation: https://www.cnn.com/2021/08/17/tech/twitter-misinformation-reporting/index.html
Crypto Hack: https://www.cnn.com/2021/08/13/tech/poly-network-hack-update/index.html
S&P Up 100%: https://www.cnn.com/2021/08/17/investing/stock-market-pandemic-rebound/index.html

Please consider liking & subscribing, we are glad you are here! Thank you for joining us.

In this episode, Dan and Ian welcome you to the official Small Business Experience Studio! We are taking on the next evolution of our show and we are so glad you are with us.

This episode breaks down moral obligations of large companies, the fourth industrial revolution, along with our news & views segment (linked below).

Dan & Ian give their most terrifying fact that we live with every day. Can you guess what they chose? Finally, the boys give their best and ugliest emotion: humility, envy, hope & ego.

--TIMESTAMPS--
07:36 Moral Obligations of Companies
33:35 News & Views
55:45 Free Edward Snowden
1:07:03 Ugliest Emotion

CURRENT EVENTS:
Space Force Defending Earth
https://www.cnn.com/videos/business/2021/08/06/space-force-defense-sciutto-pkg-nr-vpx.cnn/video/playlists/business-spacex/
Beijing Interfering with Chinese Stocks
https://www.cnn.com/2021/08/04/tech/china-crackdown-tech-education-mic-intl-hnk/index.html
New Reality Show Sending Lucky Winner to the ISS
https://www.cnn.com/2021/08/05/tech/who-wants-to-be-an-astronaut-space-hero-reality-television-scn/index.html

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CLIMBING A VOLCANO IN AFRICA

In this episode, Dan welcomes Nat Gallen onto the podcast. Nat Gallen is a long-time friend and a true inspiration to many. This podcast is a detailed description of climbing the highest summit in Africa. Nat gives an honest overview of his battle with cystic fibrosis and overcoming all obstacles to achieve this amazing accomplishment.

Cystic Fibrosis (CF) is a genetic disorder that primarily affects the lungs and the digestive system. Nat shares his experiences and displays an extreme amount of gratitude for his situation. He spoke at the CF Foundation following the completion of his climb, which continued to bring awareness to this disorder.

Nat's Article on the Climb: http://www2.readingeagle.com/article.aspx?id=505446

Thank you for joining us, we hope you learned something new. We are excited to bring you the latest information with honest dialog. As always, we are starting the conversation... we hope you continue it!

In this episode, Dan & Ian talk billionaires in space, inflation, the housing market and what it takes to be an entrepreneur. This is a jam-packed episode that crosses current events and many different sectors. Dan & Ian chime in on the debate about Bezos, Branson & Musk in space, is it actually worth it? Also! Your hosts give you a quick refresher on the macro inflationary environment.

--TIMESTAMPS--
Space Race: 03:13
Inflation: 14:29
News & Views: 22:50
Entrepreneurship Rant: 48:34

Inflation Article: https://www.cnbc.com/2021/07/15/yellen-sees-several-more-months-of-rapid-inflation-worries-about-impact-on-home-buyers.html

THIS EPISODE INCLUDES A RANT ABOUT INSTAGRAM ENTREPRENEURS

News & Views Segment (Current Events):
Housing Market: https://www.cnbc.com/2021/07/20/builders-pull-back-as-more-homebuyers-are-priced-out-of-the-market.html
Netflix Video Games: https://www.cnbc.com/2021/07/21/netflix-games-are-coming-and-the-reasons-are-very-netflixian-.html
Crypto Mining: https://www.cnbc.com/2021/07/21/cryptomining-operator-core-scientific-going-public-via-spac.html
Lyft Self-Driving: https://www.cnbc.com/2021/07/21/ford-and-argo-ai-to-launch-self-driving-cars-with-lyft-by-end-of-year.html

Thank you for watching! Please like & subscribe... we are glad you are here!

PHILADELPHIA-BASED NONPROFIT

In this episode, Dan & Ian have the pleasure of speaking with Sally Carr. Sally is the Co-founder of Never Surrender Hope. This foundation focuses on supporting the homeless in Philadelphia, while simultaneously combating its root contributor, substance-abuse disorder. Throughout the episode, Sally addresses the stigma surrounding substance abuse, while your hosts attempt to share their knowledge about the disease.

Never Surrender Hope (NSH) is a charity that provides life-altering support for those living on the streets. Their relentless attitudes and loving passion behind their mission shines through. Finally, this episode provides a deep insight into human emotion that surrounds the 'worlds loneliest disease.'

NSH Website: https://neversurrenderhope.org

NSH FB: https://www.facebook.com/groups/1896417860569587/
NSH IG: https://www.instagram.com/neversurrenderhope/
NSH Twitter: https://twitter.com/NSH_hopeheals

EVENT Mentioned in Interview: September 18th, please support!

VIEWER DISCLAIMER: This episode includes description of prescription and street drugs, along with discussion of the devastating effects of them. We appreciate your sensitivity to this subject and for supporting this wonderful charity.

BARBERSHOP INTERVIEW & WEEKLY ROUNDUP (Current Events)

In this episode, Dan & Ian sit down with local barbershop owner, Ian Harrison. Ian is the co-owner of Sal's Barbershop in Boyertown, Pennsylvania. This interview opens up a candid discussion about trades vs. the typical college route, along with detailed explanations of barber apprenticeship. In addition, Ian Harrison gives his best advice for career pivoting and finding your passion.

--TIMESTAMPS--
Barbershop Interview: 0:53
News & Views (Current Events!!!): 32:46

Virgin Galactic: https://www.cnbc.com/2021/07/11/virgin-galactic-launch-live-updates-video-stream-richard-branson.html
Small Business IRS Refund: https://www.cnbc.com/2021/07/04/how-small-business-can-get-cash-back-from-irs-to-offset-hiring-costs.html
Delaware Minimum Wage: https://www.cnbc.com/2021/06/24/what-15-dollar-minimum-wage-in-delaware-could-mean-for-national-pay.html

Thank you for joining us, we hope you learned something new. We are excited to bring you the latest information with honest dialog. As always, we are starting the conversation... we hope you continue it!

In this episode, Dan, Ian & Connor take a DEEP DIVE into the world of Cryptocurrency. Through explanations about consumer sentiment, current trends, and custody of the asset; your hosts breakdown a complicated subject in an easily digestible way.

NEWS & VIEWS Articles:
China Crypto Crackdown: https://finance.yahoo.com/news/bitcoin-wipes-out-2021-gains-as-china-crackdown-continues-142206939.html
Iran Seizes Crypto Miners: https://finance.yahoo.com/news/iran-seizes-7-000-cryptocurrency-131928610.html
El Salvador Legal Tender: https://techxplore.com/news/2021-06-el-salvador-banking-bitcoin.html
Decentralized Finance: https://defieducation.substack.com/p/decentralized-finance-the-high-level

Thank you for joining us, we hope you learned something new. We are excited to bring you the latest information with honest dialog. As always, we are starting the conversation... we hope you continue it!

PODCAST EXCLUSIVE

Meghan Heyduk, CPA, MBA joins the podcast to open up about navigating her young professional career. Meghan works for a Big 4 Accounting Firm in Philadelphia, PA. She provides the audience with a candid discussion of the challenges between navigating superior and subordinate relationships.

Dan & Meghan give the audience charming anecdotes about their experiences with international business, along with their opinions on how to set personal and professional boundaries.

Thanks for joining us... Follow along on our social media (@thesmallbusinessexperience) and we look forward to seeing you next Wednesday!

In this episode, Dan & Ian provide the audience with knowledge about the pandemic and your legal options regarding vaccinations. All information provided can be found at the link below entitled, "HIPPA Article."

NEWS & VIEWS breaks into unfamiliar territory, as Dan & Ian give a candid breakdown about the new report released by American intelligence agencies surrounding UFOs. They explain these sightings of unidentified aerial phenomena and the path forward to creating a transparent reporting process. In addition, the NCAA has been hit with an antitrust lawsuit and the Supreme Court gives its ruling on if athletes can be legally compensated. Finally, Dan & Ian provide their analysis of Biden's new proposed tax plan.

Finally, they wrap-up this episode with a discussion about the anxiety for employees returning to in-person work. Dan is hoping this transition will provide an opportunity for employers to show employees grace, while Ian believes that employers can begin to cater to the individual more.

TIMESTAMPS:
01:19 Vax or No Vax
17:39 NEWS and VIEWS (Current Events!!!)
51:34 Anxiety Returning to Work

HIPPA Article: https://www.hipaajournal.com/is-it-a-hipaa-violation-to-ask-for-proof-of-vaccine-status/
UFO: https://www.cnn.com/2021/01/10/us/ufo-report-emergency-relief-bill-trnd/index.html
NCAA: https://www.cnbc.com/2021/06/21/supreme-court-ncaa-decision-how-college-athletes-plan-to-cash-in.html
Biden Tax Plan: https://www.cnbc.com/2021/05/01/biden-taxes-target-big-companies-so-why-is-small-business-worried.html

Thank you for joining us, we hope you learned something new. We are excited to bring you the latest information with honest dialog. As always, we are starting the conversation... we hope you continue it!

In this episode, Dan, Ian and Connor share the person they would be most interested to speak with. Can you guess who chose who? They breakdown the WHY and HOW behind the creation of billionaires and the idea of taxing the rich.

The NEWS and VIEWS segment is back by popular demand, where your hosts breakdown 3 news topics in 15 minutes. These are designed to keep you informed and provide you with current events, please see the links below for the article references.

02:35 Dead or Alive Dinner
19:08 News & Views (Current Events!)
39:50 What Creates a Billionaire?

Ransomware: https://www.cnbc.com/2021/06/09/crowdstrike-ceo-on-evolving-ransomware-its-become-big-game-hunting.html
Biden Welcomes TikTok: https://www.nbcnews.com/politics/white-house/biden-reverses-trump-s-effort-ban-tiktok-orders-broader-review-n1270133
Bezos Taxes: https://news.yahoo.com/news/news/jeff-bezos-worth-18-billion-193249247.html

We hope you enjoyed the episode! Thanks for joining us and you can reach out to us via email or socials in our bio

02:50 Little Things That Reveal A Lot
17:00 News and Views (Current Events!)
35:54 Conflict Resolution and Emotions at Work

Research Study Synopsis: https://youtu.be/yB7poNxWfVA
Walmart Article: https://www.cnn.com/2021/06/03/business/walmart-employees-samsung-phone/index.html
Tariffs Article: https://www.cnn.com/2021/06/02/tech/ustr-digital-services-tariffs/index.html
Redfin Article: https://www.washingtonpost.com/business/2021/02/03/redfin-two-thirds-home-buyers-2020-made-offer-sight-unseen/

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In this episode, Dan & Ian are back with fresh new takes and current events. They challenge each other on the differences between character and reputation. Also, they analyze generational gaps and the notion of "having it figured out." Celebrating our vastly different journeys and learning from one another is the best way to grow.

Furthermore, Dan explains the shift of power from employers to employees and Ian brings shocking statistics about the remote work environment.

Are you willing to take 1 step backward?

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In this episode, Dan welcomes a new guest to the podcast. His sister, Aly Trout, joins the SBE to share her experiences as a massage therapist. She teaches about the industry and addresses tough subjects surrounding massage. This podcast blends humor and difficult subject matter to bring value to you through honest and blunt conversation. Enjoy!

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This podcast aims to explore key scenarios and situations that alter one's life in the purest way. Learning from life experiences and reducing judgement on yourself is one of the best forms of self-improvement. Being okay in a space of the unknown and committing to yourself will be powerful.

Surround yourself with those that challenge you, not the ones that nod their head and act like they agree.

Believe in who you are and who you are becoming. We always say "progress not perfection," because perfection is boring.

Thank you for joining our community and what we are building, we are only as successful as you let us be.

In todays episode we talked about the hot products you can be on the look out for in 2021. Today we talked about the development and release of the Apple Air Tag, Amazon-Go Grocery Stores and the new Microsoft Mesh Software. This was a more laid back episode that allowed us to appreciate the developments of todays tech companies.

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This long form episode unpacks a variety of quality conversation. Dan & Ian share their opinions on seasonal depression, retirement plans and doing things you are bad at.

Dan & Ian give their outside the box goals. Becoming closer to your food and sock brands, can you guess?

These longer podcasts are built to grow connection with our listeners. We appreciate and care about our connection with you all. Thank you for being apart of our community.

In this episode, Dan & Ian explore the clash between two tech giants. Apple is releasing a new IOS update that will effectively restore power to the consumer. From now on, users must consent to data collection from Facebook, Twitter, Google, etc. These platforms will now be required to be given consent to collect and sell your data. Facebook has already filed an antitrust lawsuit against Apple. This showdown is shaping up to get messy.

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In this episode, Dan & Ian outline Joe Biden's new proposed tax plan. With the most recent stimulus packages, we have seen a lot of new money start to enter circulation. This is a proposed plan to begin controlling the national debt and increase governmental revenue. The proposed plan is to increase the long term capital gain tax from 20% to 40% at the highest ranges. The idea is that the top 1% in the United States derive their income from passive activities. Biden has not been shy about his plan to make the wealthy more accountable.

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In this episode, Dan & Ian dissect the Top 5 Financial Goals to achieve before you reach the age of 25. Remember, this is a generalized list and you should not feel belittled if you have not achieved these yet. It is never too late to get on the path to financial freedom. Please see the show notes below to help guide you.

Get out of high interest debt
-Credit Cards, learn to play the credit score game
-Student loans
-Refinancing
Learn how to create a budget
-Try the concept “living below your means”
-Be realistic with yourself, materialistic things come and go. "We need to stop purchasing things to impress people we don't like."
Retirement account
-Roth IRA or Traditional IRA
-401k (employer sponsored)
-Self Employed retirement plans (SEP IRA, SIMPLE, Solo 401k)
3-6 months living expenses in a savings account
Example: Rent $1000, Cell phone bill $50, Car insurance $200, Groceries $100 per week = $400 a month = $1650 a month, that means you will need 4,950 for 3 months or $9,900 for 6 months
“Do something today your future self will thank you for”
-Living with this saying in your head will give you a head start on what your goals are
-If you want to be proud 3 years from now of who you are, you need to take steps to get there
BONUS: QUIT THE BANK OF MOM AND DAD

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Dan & Ian explore many different avenues within their longer-form podcast. They are hopeful for a life after COVID-19 and reflect on how the past year has changed their lives. Learning to be a gifted listener will alter and perpetuate authentic conversation. Also, the mindset shift from college life to the adult world will alter how you look at challenges. Beginning to accept challenges and take a step at a time is truly powerful.

Ian explores the true feeling of being authentically excited for what the world has to offer.

Dan shares his unique disproportionate faith in the people he has around him.

Thank you for being apart of our community. Every person who listens, thank you for spending some time with us. Have a fantastic week. ~ Dan & Ian

In this episode, Dan & Ian discuss the European Super League. They breakdown the epic destruction of this league and international backlash. Dan & Ian relate this situation to the idea of never forgetting where you come from. Being beholden to the people that put you in the position to enact change, is absolutely a necessity. These teams were started by the immense fanfare and undeniable love for their communities. This is very relevant to small businesses and the experience we have.

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In this episode, Dan & Ian bring to you the possibility that we will see a fourth a stimulus check. Also, they illuminate the language of "recurring stimulus checks" that was cut from the previous stimulus package. They explain the idea of automatic stabilizers and the recent support from many congressional members to institute recurring stimulus checks. Please share your opinion with us.

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In this episode, Dan & Ian do a cryptocurrency roundup. This spaces has exploded over the recent months and has begun to receive strong consumer sentiment. Within this discussion, Dan & Ian give updates on Coinbase going public (COIN), DOGECOIN, a Bitcoin ETF, and recent criticism of the energy cost to mine these coins. There is a lot to unpack in this episode, get ready! Thank you for following along with us. We are glad to have you.

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What can we learn from Jake Paul? Like it or not, the Paul brothers have done a great job developing their brand. After this past weekends pay per view event we got thinking about the ability of the Paul brothers to build their audience, pivot and completely change their product all while maintaining that audience. We spoke on the importance of building a personal brand even if you don't have a Jake Paul sized audience.

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In this episode, Dan & Ian discuss four broad-stroke business trends. These trends are nuanced, but Dan & Ian provide their opinions and outlook. 2020 was a year of confusion and a lot of unknowns. As we settle into our "new normal," they expect many trends to continue and some new ones to pop-up. Although 2021 is well underway, there is a lot of time left to start that business you have always wanted. Go for it!

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In this episode, Dan & Ian double-back on the recent blockage of the Suez Canal. The internet meme that started as an hilarious joke, now has significant ramifications for businesses and international trade. They deliver some crazy statistics and the true aftermath of this disaster. The Ever Given was stuck for 6 days and has caused an international supply chain breakdown.

Quick Facts: This blockage held up
-$9.6 billion of trade each day on that waterway
-$400M a hour
-$6.7M a minute
-The canal itself lost Egypt about $14-15M for each day the canal was blocked

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Welcome back to another week of the Small Business Experience podcast! Today, inspired by some personal events, we have decided to dive into the growing prevalence of monitoring by employers. We had an exploratory conversation about the effects, motives and implications of this monitoring. Where do we feel like this monitoring crosses the line? Where do we feel like it has its place? Please feel free to engage, as always, this is meant to be an introduction to a conversation.

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In another discussion style episode Dan and Ian discuss the idea of Corporate Social Responsibility. At its surface it seems like there should be an obvious opinion but playing devils advocate and thinking about the true essence of a company the guys debate this notion. This and many of our other episodes are meant to be a discussion with you, the viewer, so please feel free to comment your thoughts. We love to discuss and debate! As always thank you for listening and please consider subscribing. We can also be found at the many links below.

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In this episode, Dan & Ian dive into a hot topic. Do employers have the inherent right to dictate employee appearance? Where is the line between business decisions and discrimination? These are intense and deep moral discussions that need their time to work-through. This video is not meant to express our opinions, but rather to create & facilitate meaningful conversation. Discrimination in any capacity is completely inappropriate and destroys an environment safe for all. We hope you have gained some insight into important topics and we hope this will be continued to be talked about. It starts with acceptance and ends with respect.

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In this episode, Dan & Ian discuss the recent change in opinion from top CEOs regarding when they will return to in-person work. There has been a shift in mindset from CEOs in response to "life after COVID-19." Your hosts breakdown the proposed reasons behind these sentiments and their long-term outlook on returning to the office. Mental health has been pushed to the brink during this pandemic and becoming aware of the long-term implications of work from home, will allow you to better understand employees and begin the transition process.

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In this interview episode, Dan & Ian speak with Alban Brooke, the Head of Marketing at Buzzsprout. Alban brings his expertise in tech to the forefront of the conversation, as well as lending a helping hand to small businesses who are dipping their toes into social media marketing. This episode takes a turn into interpersonal skills, building relationships and having ownership over your creative content. Alban gives industry specific information, as well as a roadmap to success for new podcasters. We hope you enjoy, thank you for supporting our show!

About Our Guest: Alban Brooke (@albanbrooke on Twitter)
Alban Brooke is the Head of Marketing @buzzsprout. Buzzsprout is a platform that assists content creators who are building podcasts. Their interface hosts your podcast and helps distribute it to all the platforms where your listeners are engaging. Buzzsprout offers statistics, monetization capabilities and even your own website. If you are interested in starting your own podcast, please use our affiliate link below.

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In this episode, Dan & Ian breakdown ETFs and mutual funds. This broad diversification approach to investing allows for people to obtain dollar-cost averaging objectives. ETFs and mutual funds have many similarities, but we illuminate the differences and bring to light our opinions on these investment vehicles. Investing is a tricky game; however, understanding your goals and objectives can be a linchpin in your investing profile.

We do not believe that this type of passive investment techniques replaces speaking to a financial professional. Financial advisors create personalized plans and understand the full person behind the finances.

Disclaimer: As always, this is not financial advice. Past performance is not indicative of future results. These videos are made for entertainment purposes only.

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Dan & Ian continue to explore new concepts and discussions surrounding firing your best performers. The hosts review management techniques that they believe are essential to success of businesses in any capacity.

Small business advantage is agility and the personal touch. Your hosts learn how to use their personal attributes in positive ways. Learning to lead from the front and putting culture above all else, lays the foundation for unparalleled success.

Refuse to judge your journey. It is yours.

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In this new edition of News & Views, Dan, Ian & Connor debate some news topics. The morning debate features discussion on the Suez Canal blockage, censorship of H&M in China, the return of the meme stocks, people sealing themselves in caves and underground hidden tunnels. Crazy stories with a blend of discussion and comedy. Come join us in the office this Monday morning!

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In this episode, Dan & Ian outline the biggest reasons that small businesses fail. By bringing these to the forefront we hope we can help identify problems before they come upon you. Becoming self-aware and being proactive will pay dividends to your small business. Constantly reevaluating and redefining expectations can allow you to reach new heights. Throughout this episode, we explore these reasons for failure and offer our perspective on the new-age of business management.

Top Reasons Small Businesses Fail:
1. Financing Hurdles
2. Inadequate Management
3. Ineffective Planning
4. Marketing Mishaps

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Dan & Ian are entering into a new stage of informal conversation. Stripping down the YouTube persona, they begin to share personal experiences, opinions and outlook on situations. They explore the normalization of changing your mind. The idea of gaining value from perspective and the self-awareness to identify your pitfalls are at the forefront of this episode.

The Generation of Last Place Trophies is an example of the entitlement, anxiety and angst that have found their way into society. Redefining expectations will begin to reduce anxiety and you will begin to feel a weight lifted off your shoulders when you are self-aware enough to embrace failure.

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In this episode, Dan & Ian bring to light a new investing app, Grifin. Grifin is a passive investing app that allows you to buy stock in companies you shop at. Their tag line, "stock where you shop," refers to their methodology of investing $1 for every purchase. For example, when you make a purchase at Starbucks for $4.95, Grifin will automatically invest $1 into Starbucks stock. If you purchase an item from a company who is not publicly traded, it will still put that $1 into the Grifin app and you decide where it goes.

Grifin is an acronym that they claim stands for "greatest revolution in finance now." They have taken steps to change the way people invest. Dan & Ian breakdown this methodology and give their long-term look on the true application of this company.

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In this episode, Dan & Ian bring the audience advice from high-profile CEOs from many different industries. These CEOs offer unique perspective and insight into the interworking of the business world. Their wisdom will help you make tough decisions and continue to run a successful small businesses, regardless of your overall goals. From the likes of Warren Buffet and Naval Ravikant, these pieces of advice will have you thinking and excited about Monday morning. We hope we enjoy this and please like and subscribe if this brought you some value.

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In this episode, Dan & Ian breakdown the two different types of 401ks. They explain the differences and give their opinions for people based on their circumstances. They explore the psychology of money and stress surrounding financial literacy. Their goal is to bring financial knowledge and accessibility to all those who choose to listen. Thank you for being apart of this community.

Regular 401k Taxation:
-Lowers the amount of your taxable income by the amount that you contribute
-If you are in a high tax bracket this may be attractive, because it reduces your taxable income
-Pay the tax on the money contributed and the gains when the amounts are withdrawn
-Usually withdrawal will be during retirement so you will be in a lower tax bracket which will decrease the amount you are taxed on the money
Roth and Traditional 401ks have a contribution limit of $19,500 and you can add an extra $6,500 if over the age of 50 for "catch-up" contributions
-Any amounts withdrawn will be fully taxed and subject to 10% penalty (if it doesn't fit the few exceptions)

Roth 401k Taxation:
-Money goes into account is after tax dollars
-So your income is fully taxable and you are contributing with money that is all yours
-All withdrawals after age 59.5 are completely tax free (basis and gains)
-Also can withdraw your basis in the account at any time, since you already paid tax on it

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In this episode, Dan & Ian breakdown the recent market phenomenon, SPACs. SPAC stands for special purpose acquisition company. These companies are referred to as "blank-check companies," in which they raise capital and attempt to execute a reverse merger. After a SPAC announces a target and signs a definitive agreement (DA) the original ticker symbol of the SPAC begins to trade under a new ticker symbol. For example: IPOB now trades under the symbol OPEN. Shareholders will vote on the DA and give their opinions on where they want the SPAC to go. Please continue to do your own due diligence and review management teams extensively prior to making any investments.

DISCLAIMER: As always, this is not financial advice and this video is strictly for entertainment purposes only.

Thank you for following along and if this video/podcast brought you value, please consider subscribing.

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In this episode, Dan & Ian discuss a hot topic right now, NFTs. NFT stands for "non-fungible tokens," which essentially means these tokens are unique and non-transferable. NFT allows for the ownership of digital assets, that is authenticated by a ledger supported by blockchain. This ledger allows you to prove your ownership of a digital asset, thus authenticating your claim to the asset. This space has a long way to go, we give our long term outlook on how we see this playing out. There will be growing pains with NFTs and there will be many short term losers. Thank you for following along and please subscribe if this brought you value.

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In this episode, Dan & Ian work through how to structure your small business. Entity structure is essential to understand to learn how you need to report your income and expenses. Also, the correct entity structure can protect you from personal liability in the event of a breach of contract or tort liability. There are tax-advantaged elections you can make for your small business in order to retain earnings as much as legally possible.

Four Basic Entity Structures:
1. Sole Proprietorship
2. Partnerships (General Partnership, Limited Partnership and Limited Liability Partnership)
3. Limited Liability Company (LLC)
4. C Corporation / S Corporation

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In this episode, Dan & Ian outline key tax tips for your 2020 tax return. It is important to keep note of these deductions to ensure that you aren't missing out on money owed to you. They breakdown how to capture these credits and what your availability is for them. As always, this is not tax advice, please consult your CPA. If you are looking for a CPA, our firm, Trout, James & Associates is accepting new clients. Please give the office a call at 610-489-3200.

$300 charitable contribution deduction (above-the-line, which reduces taxable income)
Home office deduction (allows you to deduct portions of home expenses if you work from home)
Unreimbused Employee Expenses (expenses not paid for by your employer)
Cares Act IRA Withdrawals (allows you to take out $100,000 from IRA if you can prove you were adversely affected by COVID-19)
Recovery Rebate Credit (allows you to recoup prior stimulus checks)

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In this new edition of News & Views, Dan, Ian & Connor debate some hot topics. Displaying honesty and true opinions about the current state of the economy and the ever-changing business environment. The trifecta analyze market trends and macro events that will change the landscape of the financial industry and consumer sentiments. Please join us for a candid conversation filled with laughs and conversation.

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In this episode, Dan & Ian discuss a new social networking app. Clubhouse is gaining national media attention as the next social media channel to take over the atmosphere. Dan & Ian give their opinions on the platform and potential pitfalls they see in the platform. They offer a walk-through of the exclusive platform, Trojan Horse style.

Clubhouse is a social networking app that allows people to gather in audio chat rooms to discuss any topics they desire. The app was unveiled last spring by two tech industry veterans, Paul Davison and Rohan Seth. Clubhouse is an invite-only platform. Meaning you need to know someone who is already on the platform to provide you a link to join it. Invitations are going for between $30 and $20,000 on eBay. (But be aware that Clubhouse lacks some of the privacy filters of other platforms.) Or you can wait. The Clubhouse website suggests the app will open up to a wider audience, or everyone, in time.

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In this episode, Dan & Ian compare and contrast the two types of IRAs. Traditional IRAs provide pre-tax deductions, which lower your taxable income. When required minimum distributions begin at age 72, the money in your account will be taxed when distributed. In contrast, Roth IRAs are contributed to with after-tax dollars, meaning you already paid tax on your money. Since there are no RMDs for Roth IRAs, you may begin withdrawing the money in your account completely tax free after turning age 59.5. Dan & Ian begin exploring behavioral finance and the psychology of money, which leads to an interesting discussion about personal financial goals and outlooks.

Please be aware that the contribution limits for both Traditional and Roth IRAs are $6,000 per taxable year and $7,000 if you are over the age of 50. However, you begin to phase out of Roth IRA contributions when you make over $125,000 (single filer) and $198,000 (MFJ). Also, you completely phase-out of Roth IRA contributions when you make more than $140,000 (single filer) and $208,000 (MFJ).

Tax Free Millionaire: https://youtu.be/wIB06lG3lKw

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In this episode, Dan & Ian discuss stimulus checks. They also illuminate the issue of prior stimulus checks being missed. Dan & Ian explain the Recovery Rebate Credit, a refundable tax credit available on the 1040 Individual Tax Return for the 2020 tax year. You may be entitled to claim prior stimulus direct payments and be eligible for the one coming up. Please make sure you consult a CPA to ensure you are applying for all necessary and available government assistance. We hope this provides value for you and puts a couple of thousands of dollars in your pocket.

Recent stimulus bill passed by the House of Representatives: https://youtu.be/Y2e9KImQ1MQ

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Today the guys in the office came together for the second Edition of the weekly roundup. If you missed it this is an episode format where we discuss topics that are current and interesting to us. This is a mix up from our typical interview and topical style interviews. Please like, share and leave a comment if you want to interact, and thank you for watching!

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In this episode, Dan & Ian interview Brea Roper. She is a Gallup Certified Strengths Coach. Brea details her process of strengths-based coaching and how to lean into your own. She takes you on her journey and what led her on this career path. This interview explores how to cultivate culture in your own small business and how to celebrate individuality. We hope you gain some perspective from this interview and if you are interested, please reach out to Brea via the information provide below.

How to contact Brea:
-Website: https://www.brearoper.com
-Email: hello@brearoper.com
"The world needs you. Break through the lies, reveal your hidden potential, and live out your unique greatness." -Brea Roper

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In this episode, Dan & Ian discuss the process of self employed retirement plans. There are four options available for setting up retirement plans: SOLO 401k, SEP IRA, SIMPLE IRA and Regular 401k. As a self employed individual you are still able to enroll in a Traditional IRA or Roth IRA; however, these self employed plans usually provide higher contribution limits and tax-advantaged savings.

Dan's top three questions for finding the right plan for you...
1. How much can I save? Create a budget
2. Do you have employees? Evaluate staff
3. Are you a participant or eligible for a retirement plan for another job? Side hustle or full-time

SOLO 401k (Individual 401k, One participant 401k): reserved for sole proprietorship, with no employers other than a spouse.
Employee contribution limits = $19,500, or $26,000 if age 50 or older.
Employee & Employer contribution limits = $58,000, or $64,000 for people age 50 or older as of 2021

SEP IRA: best for sole proprietor, gets expensive when you have employees
-The employer alone contributes to the fund, there is no annual funding requirement, but when you do contribute, you will need to do so for all of your eligible employees—up to 25% of their compensation, limited to $290,000 annually
Contribution limits = maximum of $58,000 in 2021.

SIMPLE IRA: (savings incentive match program for employees): best for mid-sized businesses, regular 401k with training wheels. Employees and employers can contribute to the plan
Contribution limits = $13,500 in 2021, plus an additional $3,000 if you are 50 or older.
With the SIMPLE IRA, you are 100% vested whenever the employer deposits that into your account. This is definitely a huge difference than the 401k

Regular 401k: the most popular retirement savings plan, typically used for larger businesses
CON: Filing fees, set up trust
CON: Form 5500 - annual filing requirement for 401k
PRO: Roth option, picking investments, salary deferrals,
PRO: Contribution limits much higher ($19,500 in salary deferrals) than SIMPLE IRA ($13,500) and catch up ($6500 for 401k vs $3000 for SIMPLE IRA)
Customized vesting schedule: EXAMPLE
After one year of service: 0% vested.
After two years of service: 20% vested.
After three years of service: 40% vested.
After four years of service: 60% vested.
After five years of service: 80%vested.
After six years of service: 100% vested.

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In this episode, Dan & Ian help clarify the confusion surrounding Health Savings Accounts (HSA). Also, they dive deep into the requirements and contribution limits to the plan. Furthermore, they explore Flexible Spending Accounts (FSA) which allow for another option of healthcare savings. Below there is an outline of the episode and further information regarding health savings.

KEY POINTS: Health savings accounts (HSAs)
-Are like personal savings accounts, but the money in them is used to pay for health care expenses. You — not your employer or insurance company — own and control the money in your HSA. The money you deposit into the account is not taxed.
-To be eligible, you must be enrolled in a High-Deductible Health Plan (HDHP). Contributions to HSAs generally aren't subject to federal income tax, and the earnings in the account grow tax-free.
-Contributions can come from you, your employer, a relative, or anyone else who wants to add to your HSA. The IRS does, however, set limits. In tax year 2020, for example, the limit is $3,550 for individuals and $7,100 for families, plus an additional $1,000 "catch-up" contribution for anyone age 55 or older by the end of the tax year.

KEY POINTS: Flexible Spending Account (FSA)
-Same thing as HSA, except you do not need to be part of HDHP
-Employee of an employer who sponsors the plan
-Can be used for additional medical expenses not covered or explicitly mentioned in HSAs
-Limited to $2,750 per yr per employer
-Spouse can contribute $2,750 to their own as well
-HSAs are more flexibility than Flexible Spending Accounts (FSAs), which can only be carried over in an amount up to $500 or 2.5 months into the following plan year

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In this episode, Dan & Ian debate the most well-known retirement savings plan. 401k's are employer sponsored plans that allow you to contribute pre-tax dollars to a retirement plan. This plan is either actively or passively managed by your employer who chooses the investments for you. Since the money is deducted from your paycheck, it reduces your taxable income. Below is some additional information about 401ks.

2020 Contribution Limits
-19,500 for under the age of 50
-26,000 for those 50 and up
If your employer matches as well the max amount that can be put in is:
-58,000 for under age 50, or 100% of employee compensation whichever is lower
-64,500 for over the age of 50, or 100% of employee compensation whichever is lower
Option of Traditional or Roth 401K:
-Traditional allows you to reduce your taxable income now and therefore decrease the amount that you will owe in taxes: In traditional you pay all the tax on the back end
-Roth is contributed with after-tax dollars and then is not taxed on its withdrawal: In Roth you do not pay taxes on earnings or contributions when you withdrawal

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In this episode, Dan & Ian outline college saving options. As the prices of higher education continue to skyrocket, The Small Business Experience is bringing you tips and tricks to use the tax law to your advantage. Throughout this episode, Dan & Ian explore all the options available to you and the tax impact of your decisions. This is important information for anyone with dependents, grandchildren, etc. Below will include a more detailed outline for the episode.

What is a 529? An investment account that offers tax-free earnings growth and tax-free withdrawals when the funds are used to pay for qualified education expenses.

Coverdell Education Savings Account (ESA), formally called "Education IRA" : A Coverdell education savings account is a tax-deferred trust account created by the U.S. government to assist families in funding educational expenses for beneficiaries who must be 18 years old or younger when the account is established. The age restriction may be waived for special needs beneficiaries. While more than one ESA can be set up for a single beneficiary, the total maximum contribution per year for any single beneficiary is $2,000.

Coverdell Loan: KEY TAKEAWAYS

-With a Coverdell ESA, if your adjusted gross income exceeds $110,000 for an individual, or $220,000 for a married couple filing a joint return, you’re not eligible to use a Coverdell at all.
-The contributions put toward a Coverdell ESA must be made in cash and are not deductible. Contributions can be made by individuals with modified adjusted gross income that falls within an annual limit.

529 KEY TAKEAWAYS

What is considered a qualified education expense?
-Tuition, fees, books, supplies, equipment, computers and room & board.
-The IRS also allows tax-free withdrawals of up to $10,000 per year, per beneficiary to pay for tuition expenses at private, public and religious K-12 schools.
-QUALIFICATIONS: Student is enrolled at least half-time, which most colleges and universities consider to be at least six credit hours per term & be a candidate for a degree

https://www.savingforcollege.com/intro-to-529s/what-is-a-529-plan

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In this episode, Dan & Ian discuss their decision to turn down their first sponsorship opportunity. They explore the importance of integrity when building a brand and valuing your audience. The Small Business Experience more clearly defines their core values and outlines the community they are creating. The commitment to maintain transparent about SBE goals for the channel will always be at the forefront of thought. Small Businesses will always be run and succeed by putting PEOPLE FIRST. We hope you agree. Being kind and respectful will never go out of style. Thank you for following along, more to come.

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In this episode, Dan & Ian outline the new proposed stimulus bill. The new bill is estimated to be worth $1.9 trillion and increased direct payments of $1,400 per person. Much of the bills content has extensions of previous aid. Remember, this is a proposed plan from President Biden. At the time of this recording and posting the bill has no been officially signed into law.

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In this episode, Dan & Ian analyze the student loan epidemic. They explain the process of refinancing your private and public loans with practical advice. Also, they detail the process to make it simpler to understand. All resources mentioned in the video are linked down below. Please feel free to research and use the links to better understand your educational obligations.

Disclaimer: This video/podcast should be used for educational purposes only. Please do not use the content as recommendations or advice. Please enjoy & happy savings!

Student Loan refinance calculator:
https://www.nerdwallet.com/article/loans/student-loans/student-loan-refinance-calculator

Resource to find lenders for student loan refinance:
https://www.bestmoney.com/student-loans/compare-student-loans-refinance?utm_source=google&kw=refinancing%20student%20loans%20rates&c=445466484628&t=search&p=&m=e&adpos=&dev=m&devmod=&mobval=1&network=g&campaignid=1555774927&adgroupid=66748321870&targetid=kwd-314628809666&interest=&physical=9007382&feedid=&a=M968&ts=rates&gclid=CjwKCAiA_9r_BRBZEiwAHZ_v15nM02fKKyizCdz3iDI5RekBwjXOw-n0eSuPZHY9WOybaK9xppzGiBoCMu0QAvD_BwE

What you need to refinance:
1. Proof of graduation
2. Credit score in the 700s
3. Two consecutive pay stubs from employer (to confirm your salary)
4. Payoff Letter from your current loan holder

Example: $100,000 student loan balance (over 10 year loan)
Original: 100k @ 9% monthly payments of $1,266.76
Refinance: 100k @4% monthly payments of $1,012.45
You will save $254 per monthly payments & $30,517 in interest over the life of the loan
By simply taking advantage of interest rates being low

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In this episode, Dan & Ian breakdown the Barstool Fund. It is a fundraiser created by Dave Portnoy, owner of Barstool Sports. This fund is used to support businesses severely impacted by the COVID-19 pandemic. The only qualification to receive funding from Barstool is, you must have run a successful and profitable business prior to the pandemic. The fund wants to support those businesses that have been adversely affected by the pandemic. We dissect the fund and the man behind it all. Find all the information below to support and donate to the cause.

How to donate: https://www.barstoolsports.com/the-barstool-fund
Link to donate
Follow @stoolpresidente
Watch the facetime calls between Dave & Small Business Owners

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In this episode, Dan & Ian expand on the recent market volatility, driven by wallstreetbets and institutional investors. This episode details the investing platform, Robinhood, and their recent woes. Robinhood was created to “democratize investing for all” by allowing the regular person access to the financial markets. Unfortunately, Robinhood walked-back this statement by restricting access to certain securities on 1/27/2021. Robinhood disabled the buy button relating to GME, AMC & NOK due to the large volatility resulting from the popular Reddit forum, wallstreetbets. There are claims that Robinhood was influenced by hedge funds and clearing houses to restrict retail investors from using their money how they see fit. Robinhood could be facing class action lawsuits and potential SEC violations. We will continue to follow this situation as new information develops.

Disclaimer: This video is made for entertainment purposes only, do not use this as investing advice or our recommendations. Please enjoy the video and continue to follow along in the comments.

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In this episode, Dan & Ian discuss the recent market phenomenon. It is the ultimate showdown between institutional investors vs. retail investors. Retail investors essentially banded together to drive the price of Gamestop (GME) to the moon. This disrupted the short selling of large hedge funds who were betting on GME stock price to go down. Dan & Ian outline the chart of GME and analyze the intense market volatility. Wallstreetbets is the Reddit forum that drove the ability for retail investors to coordinate this market move.

What is wallstreetbets? It is a forum on Reddit that has 7.5 million members
-Helped facilitate the short squeeze of Gamestop
-Many large funds are able to deploy their buying power to exert force over small or failing businesses
-Retail investors began targeting other securities that were being sold short on the market
(AMC, NOK, EXP, KOSS)

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In this episode, Dan & Ian interview Elizabeth Thomas & Victoria Pohl about their family business. They tell the amazing story about the rise & fall of "Chalif," their famous mustard brand. The story shows the resilience of this family and they are the epitome of "get knocked down 9 time, stand up 10." We are very proud to have them on the show and hope you enjoy the interview. Thank you for following along.

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In this episode, Dan & Ian interview Elizabeth Thomas (President/Executive Director) and Victoria Pohl (Chairman) from The Bruce Montgomery Foundation for the Arts. Elizabeth & Victoria discuss the loving memory of Bruce and how they continue to "pay-it-forward." They support performing art students through Springboard Grants to assist with expenses associated with their studies. The talented individuals and student organizations they support have gone on to be exceptional. Please consider listening to the interview to learn about the nonprofit, and if you were as touched as we are, please consider donating.

Please Donate:
- https://www.brucemontgomery.org
- Donation will go to Springboard Grants Program to support up & coming students in performing arts
- "Your donation gives support and hope to new generations of talented young musicians and theater arts students." (BMFA)
- Get in touch: (215) 646-5579

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In the first ever Monday Morning Roundup, Dan, Ian & Connor discuss hot topic current events. They debate the overwhelming changes in the macroeconomic business environment and the long term effects. Find out which one of them wants to go on vacation to space and who is not so sure. Also, they bring up Elon's Tequila and how brand permission is key to success. Finally, they reveal the largest farmland owner in the United States.

Disclaimer: This video is for entertainment purposes only. This is not meant to be investing advice. Prior returns are not an indication of future results. We are long-term position holders in SPCE. You bear responsibility for your own investment research and decisions, and should seek the advice of a qualified professional before making any investment.

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In this episode, Dan & Ian interview Ty Kingsley. He is a singer-songwriter from Philadelphia. Dan introduces Ty and tells the story of how this interview came to be. Throughout the interview Ty takes the audience on the journey of an independent artist with big goals. He discusses his song writing process and how to learn to be happy despite life not being perfect. Ty examines his own musical transitions and developments, along with understanding how to build a brand. Finally, Ty shares his biggest piece of advice for anyone starting or currently in the music industry. Please follow along!

Where to Find Ty?
-Instagram: Ty_Kingsley
-Apple, Spotify, or anywhere you get your music (Search: Kingsley)

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In this episode, Dan & Ian discuss some new market news. This is a new phenomenon is in response to the COVID-19 pandemic. The shift in the market relates to the differences between growth and value stocks. When the world shut down in March, there was a lot of uncertainty as in-person activities ceased to exist. The capital markets reacted and The Great Stock Market Rotation explains why. Also, Dan & Ian comment on the future after COVID-19 and how they believe the business world will respond.

Disclaimer: This video is for entertainment purposes only. This is not meant to be investing advice. Prior returns are not an indication of future results.

Outline for the Episode:
1. Brick & Mortar shut down, Digital Explosion
Restaurants, airlines, travel disappeared
Money went to tech and digitalization
⅔ stocks in the S&P 500 are still below Pre-COVID levels, but since tech stocks like Apple and Tesla are a larger weight of the index the S&P is reaching record highs
2. The difference between Growth Stocks and Value Stocks
Growth stock- potential to outpace the market, (Amazon, Facebook, Google)
Value stocks- companies trading for less than their intrinsic value (GM, Verizon)
3. Changes brought by COVID-19 (HERE to stay)
-Work from home
-Online shopping
-Zoom and Microsoft teams

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In this episode, Dan & Ian discuss their choices for the five best credit cards for beginners. They build on their previous video "Credit Cards 101" which is linked below. Dan & Ian show you what is in their wallets and how you can begin to expand your credit card usage. They emphasize the importance of being responsible with credit and paying your balances in full and on-time every month. Below is their breakdown and key metrics. Please enjoy!

Credit Cards 101 Video: https://youtu.be/h6tkS4DP9y8

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In this episode, Dan & Ian provide an outline to become a tax free millionaire. They discuss utilizing a Roth IRA to begin making after tax contributions to a retirement account. All contributions and gains made within this account will be completely tax free upon withdrawal after you turn 59.5 years old. Ian outlines the importance of starting this account early and the true wonders of compounding interest. Dan details a few broad index funds that are popular for this type of investing. The BIGGEST asset you have at a young age is TIME.

What is a Roth IRA?
An investment vehicle which allows for after tax contributions up to a limit of $6,000 annually, which all distributions are collected Tax Free after the age of 59.5.

Calculations Breakdown in Video: (Assume $6,000 contribution per year @ 7% return)
-If you begin at age 20, nest egg: $1,281,657.42
-If you begin at age 30, nest egg: $606,438.25
-If you begin at age 40, nest egg: $263,191.06

Funds Breakdown in Video:
VTSAX (Large Cap Blend over 10 years gained 13.78%) expense ratio .04%
VTI (Domestic Large Cap Blend over 10 years gained 13.70%) expense ratio .03%
Any vanguard Vanguard Target Retirement Fund (2060 since inception grown 11.10%) expense ratio .15%

Disclaimer: This video is for entertainment purposes only. This is not meant to be investing advice. Prior returns are not an indication of future results.

Also should be mentioned that over the age of 50 there is an extra $1,000 that can be contributed to your Roth IRA per year bringing your annual contribution limit to $7,000 a year

In this video, Dan & Ian discuss what is credit, why you should care about it and how to improve your score. They discuss real-world examples of why your credit score matters and the benefit of receiving preferential interest rates. Also, they teach you how your FICO credit score is calculated and some quick tips to improve your score. Please like & subscribe!

How is my FICO Score Calculated? FICO scores range from 300-850,
a credit score of 700 or above is generally considered good.
payment history (35%)
amounts owed (30%)
length of credit history (15%)
new credit (10%)
credit mix (10%)

Example in Video: The median U.S. existing house price for all home types (single-family, townhomes, condominiums, and co-ops) was $284,600 in May 2020 according to the National Association of REALTORS® (NAR).
Original Mortgage: $285,000 @ 7% over 30 years
Preferential Rate: $285,000 @ 2% over 30 years
Would save $992 per month and $122,304 over the life of the loan, just by increasing your credit score and receiving preferential mortgage rates.

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In this episode, Dan & Ian give a broad strokes overview about the COVID-19 vaccine. They update the audience on the current state of vaccine distribution and the other companies that are throwing their hats in the ring. Dan & Ian outline the distribution goals and who will have access to the vaccine first. Keep on the look-out and your ear to the street for when you will have the vaccine available to you...

2 APPROVED Vaccines: Pfizer Vaccine & Moderna Vaccine
3 Vaccines IN TRIAL: Astrazeneca Vaccine, Janssen Vaccine, Novavax Vaccine

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In this episode the guys talk about organic reach. We talk about what platforms have the greatest reach. Learn what platforms offer the greatest opportunity and which platforms have a pay for play business model. If you enjoy the video please like and subscribe. If you have any questions or thoughts on this topic please leave a comment we really like to engage with our listeners.

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In this episode, Dan & Ian explain the phenomenon behind cryptocurrency. They break it down into simple terms and make some bold predictions. Although this subject is very complex, the hosts break down what you need to know and the simplest way to rationalize this concept. If you have any questions please drop it in the comments and we will be sure to follow-up.

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In this episode, Dan & Ian discuss the origins of electric vehicles. They evaluate the transformation of renewable energy coupled with legislative changes throughout the years. The hosts illuminate the need for the EV revolution and how gasoline shortages and environmental concerns have intensified.
Finally, they show the major players in the EV space, Tesla/BYD/BMW/Volkswagen/Nissan.

Legislative Changes:
1973 Arab Oil Embargo
Electric and Hybrid Vehicle Research, Development, and Demonstration Act of 1976
1990 Clean Air Act Amendment
1992 Energy Policy Act

OUR favorite EV stock! Listen to find out!

In this episode, Dan & Ian discuss a new way to pay your tax bill. The IRS has opened the PayNearMe program that allows individuals without a bank account or credit card to pay their taxes in cash. You are allowed to visit any 7-Eleven, Casey's General Store or Ace Cash Express 24/7 to pay your taxes. The individual is allowed to pay $1,000 per day with an additional transaction fee of $3.99.

By the numbers:
7.1 million people in the US do not have a bank account
137,000,000 adults do not have a credit card
8.7% of households in the US do not have access to a vehicle

As mentioned in the video: AL, AK, HI, MS, MT & WY are not currently participating in this program.

Visit IRS.gov for more information and to find a PayNearMe participating store near you.

"They aren't here for you, Dan, they are here for inflation." -Ian Beardsley
This episode explores what inflation is, why we care about it, and how to combat this phenomenon. Inflation is generally described as the general increase in price of goods over a period of time. Individuals have to be aware of inflation rates because it will affect everyone, whether you are aware of it or not. Please leave any comments or questions and we will be sure to follow-up in the comments.
Disclaimer: This is not investment advice, this video is purely for entertainment purposes only, also we are not affiliated with ally bank or wealthfront

In this podcast, Dan & Ian dive into the new federal stimulus package and discuss its ramifications for Americans. The guys break down the policy by which groups it aims to protect. If you have any questions please drop them below in the comments. We are here to support you and all the small businesses behind the scenes. The full bill (over 5,600 pages!) is posted on our blog @ troutjames.com

In this interview, Dan & Ian learn about how to become a financial professional. Justin Bartolomucci, CFP, CIMA shares his story. He is a financial advisor for Edward Jones, a financial professional firm that operates with a branch model. Justin owns a branch and is running his own small business. Justin gives career advice, talks professional pivoting and his sport team alliances. Also, he describes the process of becoming a financial advisor and the tremendous opportunity for young business professionals.

How to get into contact with Justin:
-Google "Justin Bartolomucci" to land on his socials and Edward Jones site
-Justin's LinkedIn: https://www.linkedin.com/in/justinbartolomucci/

This is the #1 thing you should do before investing in the stock market. Reading a 10K is essential to understand a company and how they make money. Also, it is key to understand the differences between annual reports and 10ks. Dan & Ian outline: where to find a 10K, why you should read it, 10K best practices and examples of how to pull relevant information from it. This is a key practice everyone who is investing should become comfortable with.

Where to find 10Ks:
-last10k.com
-"Investor Relations" on company's website

If you are an introvert, this is a MUST LISTEN...In this episode, Dan & Ian interview Lorraine McCamley. She is an executive and team coach, speaker and author of an Amazon best-selling book. She provides a detailed outline of her career path and the transition into building her own small business. Lorraine has given speeches in a number of cities within the United States and in other countries.

In this episode, Dan & Ian make a plea to SHOP SMALL this holiday season. They outline new COVID-19 restrictions facing Pennsylvania. Also, they discuss two businesses who have chosen to defy Gov. Wolf’s orders. Please watch and follow along with us!

In this interview, Dan & Ian learn about what it takes to own and operate a lawn maintenance company. Mark & Ryan Witoslawski give their perspectives on the benefits or having a landscaper and the growth of their young business. This episode takes a turn into discussing what it means to be happy, defying the traditional college route and the reemergence of trades. Thank you for joining us, and as always see you next time.

Contact RCM Lawn Maintenance for all your outdoor/indoor needs: Montgomery County (Pennsylvania)
Business line- (267)-664-5695
Email- info@rcmlawnmaintenance.com
Website- rcmlawnmaintenance.com

In this short form episode, Dan & Ian discuss the business models of Amazon & Walmart. They explain what competitive advantage is and the ramifications of the chosen model. Dan & Ian outline a possible expansion for Walmart and Amazon's diverse portfolio.
Calculations & Further Explanations:
Sales - Cost of Goods Sold = Gross Profit
Market Capitalization = current stock price * outstanding shares
Overhead expenses: are considered costs to run a business, including rent, insurance or utilities
Operating expenses: are those costs associated with normal business operations, including materials, labor and machinery

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In this interview episode, Dan & Ian welcome Scott Trout onto the podcast. Scott Trout is the Founder & President of Trout, James & Associates P.C (TJA). TJA is a professional services firm that specializes in tax preparation and business advisory services. Scott speaks to his experiences, along with the best and worst parts about owning your own small business. Also, he gives some invaluable advice about career maturity and how to pivot in the business world. Finally, he gives the audience his keys to success..."love what you do and work hard" -Scott Trout

Find TJA: @ troutjames.com
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In their first episode ever, Dan & Ian outline the origins of The Small Business Experience. They elaborate on why the podcast started, who it is for and the value-added for the listeners. If you want to be apart of their team from DAY 1, please consider liking, subscribing and sharing. Thank you for coming on this journey.