#small business insurance los angeles

[toxicnotebook]

Hey, this is mostly for my mutuals, but I thought I would post it publicly just in case: my area of Los Angeles is safe, I am not in any evacuation zones, and I have pre-packed my car just in case the situation changes- which is unlikely to happen, but why risk it?

If you want to help out, please donate and/or share the following links. The vast majority of those who lost their homes are working & middle class folks (and who probably got dropped by their fire insurance two weeks ago- I could yell about this for hours), so they could really use the help:

California Community Foundation's Wildfire Recovery Fund

Los Angeles Fire Department Foundation

GoFundMe's dedicated page for fire victims

The Pasadena Humane Society, who are currently taking care of 300+ pets displaced by the Eaton fire.

World Central Kitchen

Los Angeles Regional Food Bank (could also use volunteers, if you're a local!)

League of California Community Foundations

International Medical Corps

For my fellow Angelenos, check your local YMCA centers to see if they need donations or volunteers. Also, check your local small businesses and community centers! Some of the places near me have partnered with It's Bigger Than Us to collect donations for victims, and there's a good chance there's something similar in your community.

Also, like, I know my followers are good eggs, but just in case: anyone commenting 'it's just the rich' will get blocked. LA's median income is $80k/year. Most of the destroyed homes- including the ones in the Palisades- are generational homes that were bought decades ago and were occupied by middle-class families who might not be able to rebuild. So please keep your ignorance to yourself, thanks.

[gplusbfics]

Anson Mount Talks About the Strike

Last weekend at Dragon Con I attended a couple of great panels with cast members of Discovery and Strange New Worlds. Due to the strike, discussion of the actual shows was off the table and so moderators and audience members had to limit their questions to other things. It worked nicely, IMO. Anyway, the one exception to the not-talking-about-the-thing was in a panel Saturday moderated by Garrett Wang (Harry Kim, Voyager) featuring Christina Chong, Celia Rose Gooding, Anson Mount, Ethan Peck.

Wang kicked things off by talking about the strike for a minute and then handed things over to Anson Mount. I don't know if he knew in advance, but Mount proceeded to deliver parable about the SAG strike that was just epic. I had to wait a few days to locate video but once I did, I transcribed it to share. I've cued the clip so it starts right as Mount begins to speak, but I'm including Garrett Wang's intro in the transcript.

Garret Wang: I'm going to start right now with a discussion on the strike. Let's talk about the strike. I think we should. So a lot of people have misconceptions about the strike. Just to give us some facts, just to lay it out there: Only 87% of SAG's membership make enough per year to have health insurance. That threshold is what-- is it $26,000? Something around there, something very low. And that's not per month, that's per year. So not every actor is Tom Cruise. This strike is really not about greedy actors, this is about being treated fairly, about being treated with respect, which is not happening right now."

Anson Mount: Imagine you're sitting in a bar in Los Angeles and outside this big, stretch limo pulls up. The limo is hauling behind it a mega-yacht and the mega-yacht has got one of those helicopter pads on it, with a gold-plated helicopter on it. And from the back of the limo steps a guy with a $7,000 Italian suit, he's got a 24-carat gold tie pin, slicked-back hair, little pencil-thin mustache. He's got an assistant, who's got an assistant, who'se's got an assistant.

And he walks in the bar and he sees you and he sidles up next to the bar and he says, "Have I got a deal for YOU!" And you say, "Okaaay, what's the deal?" And he says, "Well! I'm starting a business in this brand new field called entertainment-- and I think you'd make the perfect business partner." And you say, "Entertainment, huh? Is that a very lucrative business?" "Oh, no no no no no, we're not making ANY money."

And you say, "Well, OK, what's in it for me, then?" And he says "Well! I will pay you to come in to work for me for one half a day for minimum wage and in exchange you will grant to me permission to use the video of you performing your expertise, as well as your expertise, for the rest of time, in perpetuity, whenever I want, without paying you any more money or asking permission."

And you say, "I don't know… Have you thought about to include me in this? Like maybe a little small percentage of profit, just a little like 2 percent?" And he says, "You're insane! We're standing in the breadlines as it is!" And you say "Wait, wait, wait. If you say you're not making any money, 2 percent of nothing is nothing. You wouldn't have to pay me anything." And he says "That's a wonderful idea! I'll pay you 2 percent always-- of nothing." And you say, "That's not what I'm saying. So: let me put it this way. You must have an independent adjudicator or somebody who counts your numbers and lets everybody, all your shareholders, all your workers, know how the business is doing." "Oh, no no no, our numbers are all proprietary information." And you say, "Well, how do I know how the business is doing?" "Well, you'll just have to trusts me, of course."

And you say, "You know what? I just… under these given circumstances I'm not sure I want to work with you." And he says, "How DARE you?! I am going to walk straight out of this bar and when I come back -- and it won't be for a very long time -- but when I do, you'd better be here here waiting and you had better be grateful for my very generous offer of 2 percent of nothing!" And he whips his cape around and he walks out of the bar, followed by his assistant and his assistant and his assistant, and they all pile into the back of the limousine, and the driver tells his assistant driver, "Peel out!" With the mega-yacht, with the helicopter.

I think at that point, any reasonable person would turn to the bartender and say, "I think that guy's out of his fucking mind!" Right? Is it just me?

Garrett Wang: Anson, I gotta say, I've been on many panels and we've had many conversations about the strike, but no one has done a staged reading!"

--

Meanwhile, after dwelling a bit more on the strike, the conversation moves on to (necessarily) non-Star Trek topics and is highly enjoyable.

--

P.S. Yes, I still exist. No longer active on Tumblr but not because I'm boycotting or anything. We just drifted apart. I do still read Garashir fic but mainly just the same 20 favorites I saved to Instapaper, over and over :)

[jmtolman]

Hey, this is mostly for my mutuals, but I thought I would post it publicly just in case: my area of Los Angeles is safe, I am not in any evacuation zones, and I have pre-packed my car just in case the situation changes- which is unlikely to happen, but why risk it?

If you want to help out, please donate and/or share the following links. The vast majority of those who lost their homes are working & middle class folks (and who probably got dropped by their fire insurance two weeks ago- I could yell about this for hours), so they could really use the help:

California Community Foundation's Wildfire Recovery Fund

Los Angeles Fire Department Foundation

GoFundMe's dedicated page for fire victims

The Pasadena Humane Society, who are currently taking care of 300+ pets displaced by the Eaton fire.

World Central Kitchen

Los Angeles Regional Food Bank (could also use volunteers, if you're a local!)

League of California Community Foundations

International Medical Corps

For my fellow Angelenos, check your local YMCA centers to see if they need donations or volunteers. Also, check your local small businesses and community centers! Some of the places near me have partnered with It's Bigger Than Us to collect donations for victims, and there's a good chance there's something similar in your community.

Also, like, I know my followers are good eggs, but just in case: anyone commenting 'it's just the rich' will get blocked. LA's median income is $80k/year. Most of the destroyed homes- including the ones in the Palisades- are generational homes that were bought decades ago and were occupied by middle-class families who might not be able to rebuild. So please keep your ignorance to yourself, thanks.

[posttexasstressdisorder]

WhatMatters

Your guide to California policy and politics

By Lynn La

February 3, 2025

Presented by California Water Service, Climate-Smart Agricultural Partnership and Uber

 

 

Good morning, California.

Newsom orders more water for farmers and towns

The San Luis Reservoir, an artificial lake on the eastern slopes of the Diablo Range of Merced County, on Feb. 10, 2023. Photo by Larry Valenzuela, CalMatters/CatchLight Local

From CalMatters environment reporter Alastair Bland:

As downpours soak Northern California, Gov. Gavin Newsom has ordered state officials to capture and store more stormwater in San Joaquin Valley reservoirs for farmers and towns, and to “remove or minimize” any obstacles that stand in the way. 

If that sounds familiar, it is: The governor issued similar orders two years ago, when he waived environmental laws to store more water as storms drenched the state and caused disastrous flooding. Months later, the Legislature and Newsom enacted a new law that smooths the way for such actions. 

In a video posted on social media, Newsom said he aims to store more stormwater “for people and agriculture.” The three-year, statewide drought “yielded ongoing, significant impacts” on farm communities, he wrote in his order. 

Growers and cities that use water from the State Water Project welcomed Newsom’s action. 

But environmental groups worry that it will kill salmon and other fish spiraling toward extinction. By diverting and storing more water, less is left in Delta rivers for fish.

Environmentalists also noted the similarity between Newsom’s order and President Donald Trump’s order last week to waive the Endangered Species Act and pump more water out of the Delta. The Army Corps of Engineers then abruptly increased outflow from two small San Joaquin Valley reservoirs. 

Trump posted on social media that the water would have prevented the Los Angeles wildfires — but that water does not reach Southern California. It also will do little to help farmers, since they need irrigation water for crops in spring and summer, not now. 

Jon Rosenfield, science director at San Francisco Baykeeper: “Trump issued an executive order that is nothing short of an assault on California’s environment, and it’s like Newsom said, ‘Hold my beer.’”

Speaking of Trump: On Saturday Trump issued an order imposing tariffs on goods from Mexico, Canada and China. The tariffs are meant to hold the countries “accountable to their promises of halting illegal immigration” and stopping fentanyl and other drugs “from flowing into our country,” according to the order.

As CalMatters reported in November, Mexico and China made up 40% of California’s imports in 2023 and the state could feel the brunt of the tariffs. Nationally, prices are projected to rise by nearly 1 percentage point, according to the UCLA Anderson Forecast. Because Canada is also a key supplier of lumber for the U.S., Trump’s order also has major implications for Southern California as it rebuilds from the deadly wildfires.

In addition to customers and small businesses feeling a hit, leaders from Canada and Mexico said they will impose retaliatory tariffs on American goods. California’s top exports include almonds, wine and dairy products.

 How will Trump’s second presidency affect your corner of California? CalMatters is working with public radio partners to gather perspectives across the state. Share your thoughts here.

CalMatters events: On Feb. 25 CalMatters’ Adam Echelman will hold a panel to discuss what the state is doing to help employment outcomes for Californians ages 16 to 24. Register here to attend in person at the Japanese American National Museum in Los Angeles or virtually.

Other Stories You Should Know

 Keeping CA kids insured

A patient waits in line to pick up a prescription at La Clinica in Oakland on Sept. 26, 2019. Photo by Anne Wernikoff for CalMatters

When voters approved Proposition 35 in November to lock in tax revenue to pay more to the doctors who treat low-income Medi-Cal patients, voters also nixed dedicated funding to keep kids insured, among other Medi-Cal earmarks.

That’s now a problem. As CalMatters’ Kristen Hwang explains, due to administrative errors or missing paperwork, about 400,000 children on Medi-Cal lose coverage every year for a period of time and then must re-enroll. 

To pay for this gap in coverage, Newsom and state legislators passed a law last year allocating $33 million to fund the program starting in 2026. But there’s a rub: The legislation stipulated that continuous coverage would not be funded if Prop. 35 passed, which it overwhelmingly did.

Advocates are now urging Newsom to try again, and allow low-income children to stay on Medi-Cal without renewal requirements until age 5. But they face an uphill battle: To spend Medi-Cal money this way, California needs federal approval. And Trump’s initial attempt to freeze federal funding signaled his intent to slash spending for social safety net programs.

Read more here.

 

College students seek immigration services

Artwork created by students hangs on the walls at the Dream Resource Center at Pierce College in Woodland Hills near Los Angeles on Jan. 28, 2025. Photo by Alisha Jucevic for CalMatters

Demand for immigration legal services are skyrocketing at California colleges, write Delilah Brumer and Mercy Sosa of CalMatters’ College Journalism Network. The sudden uptick follows Trump’s pledges of mass deportations and the operations that federal immigration enforcement authorities are carrying out across the U.S. and California.

California has an estimated 100,000 students who are either undocumented or come from mixed-status families — more than any state. Over the last five years, the state has provided $52.2 million to fund college immigration resource centers, also known as Dream centers, to help undocumented students navigate financial aid applications and connect them with free legal services.

Since Trump’s November victory, legal service providers say their free consultations are booked several months out. Some Dream center coordinators also say that state funding is critical to the centers, and are calling for more stable sources of money. 

Read more here.

 

And lastly: Homelessness count and AI jobs

Volunteers Michelle Lefever (left) and Maggie DuRocher (center) survey a resident experiencing homelessness for the annual point-in-time count in San Diego on Jan. 25, 2024. Photo by Adriana Heldiz, CalMatters

California’s homeless population grew at a slower rate last year than the rest of the country, according to federal data. CalMatters homelessness reporter Marisa Kendall and video strategy director Robert Meeks have a video segment on the latest homelessness rates as part of our partnership with PBS SoCal. Watch it here.

And check out another video by CalMatters College Journalism Network reporters and Robert about the state’s partnership with Nvidia to prepare college students for careers in artificial technology. Watch it here.

SoCalMatters airs at 5:58 p.m. weekdays on PBS SoCal.

 

California Voices

California Voices deputy editor Denise Amos: After completing a four-year apprenticeship, a Los Angeles County ironworker and mother of two discusses the challenges of being one of the few women in the industry.

 

 Other things worth your time:

 

Some stories may require a subscription to read.

 Trump is threatening CA in the wrong way // The Atlantic

Federal firefighters fought LA’s blazes. Then came resignation offers // The Washington Post

CA still bullish on EV trucks, despite industry opposition and setbacks in Washington // Los Angeles Times

CA saw the nation’s biggest drop in death row inmates — without any executions // San Francisco Chronicle

Experts weigh in on immigration crackdown’s effect on CA $2B citrus harvest // The Fresno Bee

Possibility of immigration raids worries San Diego County medical providers // The San Diego Union-Tribune

Contra Costa County refinery fire under control, but ‘residual smoke and flaring’ possible // San Francisco Chronicle

A rising San Diego politician abruptly quit, raising a lot of questions // Los Angeles Times

 

See you next time!

Tips, insight or feedback? Email whatmatters@calmatters.org. Subscribe to CalMatters newsletters here. Follow CalMatters on Facebook and Twitter.

About Us· How We're Funded· Subscribe· Donate

 

CalMatters 1017 L Street #261 Sacramento, CA 95814 United States

 

[tranquilitybasehotelcasino]

How is kylo connected to the insurance agency? I feel like thats a p important part of the movies so it'd have to be in real life, right?

The ceo's sugarbaby?

hold on a second i’ve given this some thought

first order financial is technically based out of london and is helmed by a weird reclusive founder that apparently never leaves england and only communicates with his acting CEO (hux, who is a british transplant miserably living in new york city and is clearly some form of nepo hire because no one gets promoted so high that young but he runs the place like the fucking navy so you can’t ever bring it up or he’ll make your life hell) through suspiciously grainy skype calls with spoofed IP signatures. a lot of people think he actually lives on some tropical island with no extradition policy just in case first order blows up but no one has proof of it

kylo cycles through a lot of jobs and places and circumstances between the ages of sixteen and twenty-six, including but not limited to; one single semester of college (web design), a year in an apartment in los angeles in which he did not pay rent once, two weeks of illegally living out of his car in a national park, a job at a gas station, a job at a subway, a job at a subway inside a gas station, a short stint in the marines (dishonorably discharged), a moment as a very peripheral member of a heist crew followed by three months in a canadian jail, a job as a taxi driver in brooklyn (fired for recklessness after one final unhappy customer), and a small period as a moderately employed construction worker

during a stretch of time which he still modestly refers to as a “gap year” but was actually like eight months of doing drugs in italian nightclubs when he was twenty-three kylo meets a girl who introduces him to a guy who introduces him to some other guys who encourage him to drop the twitch channel idea and go all in on the contract killer thing. not only is he willing to do it he also ends up being unexpectedly good at it. he learns a couple other languages and hones his skills and after a year or so he changes his name and heads to the UK to try to figure out how to advertise his service without getting like put in prison forever or some such thing

in the process of this first order is going through some complicated internal power struggles predicated on the fact that basically the entire business is one big insurance scam and the crux of this is that snoke’s business partners are trying to oust him. his solution to this is to hire the first person he can find that’s willing to take them out and offer them however much money they want for it. kylo makes like a million dollars in one go but snoke is so rich he doesn’t care. kylo does whatever for this guy because he pays more than anyone else; snoke becomes a repeat customer and gets used to having an attack dog that will take out anyone that threatens his schemes

the guy willing to commit misdemeanors to expose first order’s massive fraud operation is of course poe, who has gained kind of a reputation for very loud and disruptive investigative journalism and activism in multiple cities. he’s extremely persistent and determined but not very subtle about his efforts so basically everyone at first order that is high up enough to know about the fraud knows someone is on their trail. snoke assumes poe is being fed information from someone on the inside (he isn’t, he’s just good at looking for stuff in places no one else does) so he sends kylo to the US to stake the place out and see if he can’t 1. find out who the mole is and 2. eliminate poe, but poe gets arrested before kylo can finish the job, bringing us to the top of the movie. this last bit is mostly because i was laughing really hard at the idea of kylo showing up in new york after very few people were told he even existed only for hux to realize that his boss’ pet hit man is the terrible driver that he once pulled strings to get fired from a taxi job in brooklyn.

[coochiequeens]

Maybe now that the people with the money to buy babies are being scammed even IVF proponents will admit that there needs to be regulations in the Buy a Baby Business

Dominique Side, the owner of Surrogacy Escrow Account Management, poses in 2023 at Vegan Fashion Week in Los Angeles.

(Gilbert Flores / WWD via Getty Images)

By Matt Hamilton Staff Writer June 30, 2024 

They scrimped, and they saved. Some asked family and friends to pitch in. Others took out loans for tens of thousands of dollars.

Their goal was twofold: To raise the small fortune necessary to pay for a surrogate mother. And to realize a dream previously impossible — having a child of their own.

Hundreds of people across California, the U.S. and around the globe put their money, sometimes $50,000 or more, into the hands of a Texas-based escrow company so the funds could be held in trust and doled out to a surrogate for healthcare costs, insurance and compensation.

But this month, expectant parents and their surrogates learned the money they had set aside at Houston-based Surrogacy Escrow Account Management, or SEAM, is inaccessible and likely gone.

“We want answers,” said Chris Kettmann of Fair Oaks, Calif., a suburb of Sacramento. “Is there recourse to get the money back? If not, what can we do?”

Chris Kettmann and his wife with their ultrasound in an undated photo. (Chris Kettmann)

Kettmann, 33, said he and his wife had about $45,000 in their escrow account, money owed to their surrogate mother, who is pregnant with their baby boy and due in October. “We don’t know enough to say what happened,” he said. “We just know there’s something crazy going on.”

Police in Houston have opened a wide-reaching investigation. Christina Garza, a spokeswoman for the FBI’s Houston field office, confirmed last week that the agency also is investigating SEAM. The FBI has developed a public portal for SEAM clients to report their account information and how much money they believe they are owed. Garza, however, cautioned that the inquiry was in its early stages and said, “We’re trying to compile as much information as possible.”

A married same-sex couple in Washington, D.C., says they are out $55,000. A Los Feliz couple said they demanded their $40,111 be returned and believe it is gone. Arielle Mitton, an L.A. native who recently moved to Bellingham, Wash., can recite the amount that she and her husband are missing down to the cent: $37,721.44.

“I assumed naively that an escrow account was a safe thing,” said Mitton, whose surrogate mother in Indiana is pregnant with their daughter and is due to deliver on Christmas Eve.

Mitton has joined hundreds of affected parents and surrogates in a private Facebook group that has become a forum for venting, grieving, exchanging information and trying to answer the overriding questions: What happened here? And where did all their money go?

Scrutiny has centered on the sole owner of SEAM, Dominique Side, who has told customers that she had once been a surrogate. The 44-year-old billed herself as an entrepreneur of multimillion dollar businesses in the Houston area, including a vegan grocery store, a nonprofit school, a vegan music studio, and the surrogacy escrow outfit. She walked the red carpet in L.A. for vegan fashion events and ran a concierge service for those seeking a more eco-friendly lifestyle.

“One common thread runs through all my businesses: each is based firmly on a foundation of compassion — for others, for myself and for the planet,” she told a Houston publication in 2022.

Side did not respond to calls or written questions. Emails to Side triggered an auto-response that doubled as a press statement. Citing the “active investigation by federal authorities,” Side wrote in the email, “Under the advice of counsel, I am not permitted to respond to any inquiries regarding the investigation.”

On Thursday, Side and SEAM were hit by a lawsuit from a merchant cash-advance lender, the third such lawsuit this year. Merchant cash advance lenders provide small businesses with quick infusions of money at high fees akin to interest rates of 50% to 100%.

A judge in Texas also froze all of the company’s accounts along with Side’s other businesses after a SEAM client, Marieke Slik, sued over her “vanished” $28,000.

Calling herself a “victim of a scam,” Slik alleged that Side and her company had lured her and others “into a fiduciary relationship in order to steal their escrow funds,” according to her lawsuit, which was filed in Texas. “The Defendants have left hundreds of surrogates throughout the country — who are pregnant with a child that does not belong to them — with no way to pay for necessary prenatal care.”

Sides’ actions, according to the lawsuit, “are nothing short of evil.”

Struggling parents

Many surrogacies often involve LGBTQ+ couples who want children, or older couples for whom childbearing is no longer a viable possibility.

For others, the road to surrogacy is one of heartbreak and tragedy.

The married woman in Los Feliz said she had had multiple miscarriages. She was recently pregnant but gave birth in the second trimester. The newborn died at Cedars-Sinai in his parents’ arms.

The couple turned to surrogacy after exhausting all other options. They selected a surrogate mother, completed the necessary contract — which often requires using an escrow firm — and put more than $40,000 into the account, a portion of the overall cost. But their embryo had yet to be transferred into the surrogate mother.

“Nothing is clear,” she said, explaining that she and her husband demanded their funds weeks ago. “Obviously that fell on deaf ears — we didn’t get our money back,” she said, speaking on the condition of anonymity because their extended family remains unaware of their attempt at using a surrogate.

“I’d love to carry this child,” she said, and “not spend any money on a surrogate. There’s a level of that, where you feel so terribly sad. You feel sad about the money, but you feel sad about the situation.”

‘Something really bad has happened’

For intended parents and surrogates, trouble emerged around late May, when surrogates did not receive their usual payments.

Arielle Mitton gives surrogate mother Tena Doan’s belly a kiss. Doan is carrying Mitton’s baby.  (Arielle Mitton)

In early June, Tena Doan — a 42-year-old surrogate mother in Indiana — said she noticed her bank account balance was lower than expected and realized her monthly payment and allowance had not come through. Her surrogacy agency told her that banking issues at SEAM had delayed the arrival of the money.

“I said, ‘No problem, they’ll get it fixed,’” Doan recalled, figuring that banking issues happen. When she logged into SEAM’s portal, she saw that the money listed as due her was still there.

Then came a June 12 email from Side claiming that fraudulent charges had prompted Capitol One to freeze SEAM’s account.

“Some payments were able to go through before the accounts were frozen,” Side wrote in the email. She stated that new bank accounts were established and promised service would be restored.

Two days later, however, Side sent another email indicating that “all operations have been placed on hold” due to legal action.

Doan said that the email stopped her in her tracks.

“That’s when we were like, ‘Oh s—, this is not good. Something really bad has happened,’” Doan recalled. “From there, it’s been a whirlwind.”

Mitton — the mother of the child that Doan is carrying — was at home more than 2,000 miles west.

“The first few days, I barely slept, I was nauseous from all the emotional aspects and had vertigo,” Mitton remembered.

She contacted the FBI, Houston police, the Texas attorney general. Mitton even emailed the CEO of Capital One, questioning how the money could apparently vanish.

Tena Doan, left, and Arielle Mitton. (Arielle Mitton)

Both Doan and Mitton joined the Facebook group and realized they were part of a club they never wanted membership in: those affected by SEAM’s financial collapse.

An informal poll among members suggested that about $10 million was unaccounted for. Parents and surrogates from across the country and around the world have traded information in the Facebook group about current police investigations and become sleuths themselves.

They’ve pored over Side’s various businesses — the Vgn Bae Music Studio, and Nikki Green, a luxury vegan fashion line. They’ve also mined her social media accounts.

A recent post on Side’s Instagram page VgnBaeDom, which has since been deleted, recounted her birthday week in June: Side said she flew to L.A., enjoyed a vegan dinner at the upscale Culver City vegan restaurant Shojin, dined at Crossroads Kitchen and Craig’s — both frequent celebrity hotspots — enjoyed a “full day of spa and cabana” at the Four Seasons, before doing fittings at Celine, the luxury French fashion house.

“The week this was going down was also her birthday week,” said Mitton, who recalled thinking, “She’s probably spending our escrow money there.”

Signs of financial difficulty SEAM was first registered in Texas in 2014. Testimonials from 2017 onward show glowing reviews, and one parent told The Times he had used SEAM for their first child without issue.

Lawsuits from cash advance lenders filed against SEAM and Side in New York this year indicate mounting financial trouble in recent months.

So-called merchant cash-advance lenders send sums of money to distressed businesses, often with a rapid turnaround, and, in exchange, a business lets the lender withdraw a portion of future receipts directly from the business’ bank account to pay off the debt. Cash-advance lenders often insist they aren’t lenders and that cash advances against future revenue aren’t technically loans — but New York’s former attorney general had lambasted the industry for predatory debt-collection practices.

In January, Side received an unspecified sum from Pearl Delta Funding and agreed to pay back $69,500. But she defaulted the next month, prompting the lender to sue her in New York in March. (Pearl Delta’s attorney did not respond to an email seeking comment.)

On May 6, Side secured $650,000 from Dynasty Capital and agreed to pay $975,000, or 150% of the amount borrowed, according to court records.

Under the agreement, the lender was allowed to debit $12,500 per day from SEAM’s account until the full amount was paid back. On May 31, Dynasty Capital said in court papers, SEAM “breached the agreement” and either failed to put revenue into the business account or diverted it elsewhere, leaving Dynasty unable to recoup its money.

Dynasty Capital sued Side, SEAM and her various businesses on June 18. Dynasty’s lawyer declined to comment.

On May 29, Side obtained $100,000 from Arsenal Funding and agreed to allow Arsenal to deduct 1.25% of SEAM’s daily revenue from its business bank account until $149,000 was paid off.

Arsenal sued Side and SEAM last week after Side stopped making payments on June 21 and defaulted, according to the lawsuit filed in New York, which demands about $190,000 to cover the outstanding debt and fees.

To secure the loan from Arsenal, Side had to disclose her largest revenue sources. She listed three companies, all in Southern California: US Harvest Babies Surrogacy in the City of Industry; Mle & Mlang International Surrogacy in L.A.; and a Shady Grove Fertility office in Solana Beach.

But there is reason to doubt the accuracy of what Side told the lender. In a statement, Shady Grove said it had no financial relationship with Side or SEAM and did not refer patients to the company, explaining that “some patients may have independently engaged with SEAM.”

Further, the name that Side had listed as her contact has never been an employee of Shady Grove, according to a person familiar with the company’s operations. And the address she listed for Shady Grove is a small branch in the San Diego area that’s been open for only a few months; Shady Grove is headquartered in Maryland and has 49 locations nationwide.

Neither Harvest Babies or Mlan responded to requests for comment.

Side told Arsenal that she was the 100% owner of SEAM and projected an average monthly revenue of $2.78 million, according to a copy of the financial agreement that Arsenal included with its lawsuit.

Lori Hood, a Houston-based attorney who is representing Slik — the client who sued Side this month in Texas — said she was confounded by SEAM’s financial practices. She said the lawsuit from Dynasty Capital indicated that escrow money was used to secure the $650,000 cash payment.

“How do you put up escrow funds as collateral?” said Hood. “That’s my first indication that something’s desperately wrong. You don’t recognize escrow funds as revenue.”

Second, Hood said, SEAM’s tax records that she’s reviewed also showed revenue of “millions of dollars.”

“Did her company make millions of dollars, or is she putting into the tax returns that the escrow money was her revenue?” Hood asked.

To press their client’s lawsuit against SEAM, Hood and her law partner, Marianne Robak, petitioned a judge to freeze all of SEAM’s accounts at Capital One along with other accounts owned or controlled by Side.

“The evidence shows that SEAM’s escrow account with Capital One ... has no funds available,” notes the request for a restraining order to freeze all accounts. “SEAM is insolvent.”

In the filing, Hood also accused SEAM of diverting money into accounts in the name of Life Escrow LLC, a company registered last year to Side’s business partner, Anthony Hall, who is also a defendant in the suit filed by Slik.

Side’s “actions appear to be to avoid having to face the clients she defrauded. It appears she had absconded,” states the restraining order, which a Harris County, Texas, judge signed off on June 21.

Reached by phone on Thursday, Hall said he “had no connection with SEAM,” adding, “I wish I had answers.” Hall said he was a business partner of Side in the vegan music studio, Vgn Bae Studios, adding, “Everything was great until it wasn’t.”

Hall said he did not know if Side had an attorney and said that he was speaking only for himself.

“She’s not gonna respond,” he said of Side. “I’m defending myself. I don’t know what they have going on.”

Pregnancies don’t wait

For Hood and hundreds of surrogate mothers and parents, questions mount.

“I won’t cast blame on any of the parents. They did everything they were supposed to do,” Hood said.

Time is short, however, for ongoing pregnancies and those couples who hope to have a surrogate receive an embryo soon.

Kettmann, from the Sacramento area, said their surrogate mother is 22 weeks pregnant. Of the $57,000 they put into SEAM, he said, $45,000 is missing. The rest had already been distributed to the surrogate.

“It’s a scramble,” he said. He and his wife had some money saved for additional expenses, which they’ve used to cover the June payment that never arrived from SEAM. He’s now fundraising from family and friends.

“We told her we’ll do everything we can to keep her up to date on payments,” he said, “but [we’re] asking her to be patient.”

Mitton and her surrogate mother, Doan, have started collecting donations through GoFundMe and plan to extend the payment terms two years, rather than having all the money sent to Doan shortly after delivery.

“I’m growing a healthy baby girl for them,” Doan said, “and that’s all that matters.”

[sihasah]

Group Health Plans for Small Business Los Angeles: A Comprehensive Guide

Navigating the world of health insurance for your small business in Los Angeles can be a daunting task. However, providing quality group health plans is essential for attracting and retaining top talent while ensuring the well-being of your employees. This comprehensive guide will break down the complexities of group health plans for small business Los Angeles, offering insights, tips, and resources to help you make informed decisions. https://sihasah.com/group-health-plans-for-small-business-los-angeles-a-comprehensive-guide/

[rockislandadultreads]

Book Recommendations: “Abbott Elementary” Read-Alikes

Ayesha at Last by Uzma Jalaluddin

Ayesha Shamsi has a lot going on. Her dreams of being a poet have been set aside for a teaching job so she can pay off her debts to her wealthy uncle. She lives with her boisterous Muslim family and is always being reminded that her flighty younger cousin, Hafsa, is close to rejecting her one hundredth marriage proposal. Though Ayesha is lonely, she doesn't want an arranged marriage. Then she meets Khalid, who is just as smart and handsome as he is conservative and judgmental. She is irritatingly attracted to someone who looks down on her choices and who dresses like he belongs in the seventh century.

When a surprise engagement is announced between Khalid and Hafsa, Ayesha is torn between how she feels about the straightforward Khalid and the unsettling new gossip she hears about his family. Looking into the rumors, she finds she has to deal with not only what she discovers about Khalid, but also the truth she realizes about herself.

Business Not As Usual by Sharon C. Cooper

I am beautiful. I am confident. I am lovable. I am a lottery winner.

This is the mantra that will get Dreamy Daniels through each day until she makes it big. So what if she lives in a seedy part of Los Angeles in a house that's one earthquake away from crumbling, or works an unfulfilling secretarial job while struggling to finish her bachelor's degree? All Dreamy needs to do is win the lottery, which she's been entering in as a weekly tradition with her grandfather. When she catches the attention of her boss's potential investor, Dreamy has to remind herself to focus on her career goals so she can be her own boss. Who cares if he has the social grace of the Duke of Sussex and the suaveness of Idris Elba? No distractions allowed.

Growing up with a father who is an A-list actor and a socialite mother, venture capitalist Karter Redford lives in the world of the rich and famous. Instead of attending movie premieres, however, he prefers spending his time helping the less fortunate, backing start-up companies and investing in cutting edge ideas. Karter is used to his life revolving around work, but when he decides he wants someone to share it with, he falls for someone his mother would never approve of: hilarious, quirky Dreamy, who has goals of her own...but also isn't a wealthy, upper-crust socialite. Though it's clear they're from different worlds, their relationship might just be his greatest investment yet.

Such a Fun Age by Kiley Reid

Alix Chamberlain is a woman who gets what she wants and has made a living, with her confidence-driven brand, showing other women how to do the same. So she is shocked when her babysitter, Emira Tucker, is confronted while watching the Chamberlains' toddler one night, walking the aisles of their local high-end supermarket. The store's security guard, seeing a young black woman out late with a white child, accuses Emira of kidnapping two-year-old Briar. A small crowd gathers, a bystander films everything, and Emira is furious and humiliated. Alix resolves to make things right.

But Emira herself is aimless, broke, and wary of Alix's desire to help. At twenty-five, she is about to lose her health insurance and has no idea what to do with her life. When the video of Emira unearths someone from Alix's past, both women find themselves on a crash course that will upend everything they think they know about themselves, and each other.

Skye Falling by Mia McKenzie

Twenty-six and broke, Skye didn't think twice before selling her eggs and happily pocketing the cash. Now approaching forty, Skye moves through life entirely--and unrepentantly--on her own terms, living out of a suitcase and avoiding all manner of serious relationships. Her personal life might be a mess, and no one would be surprised if she died alone in a hotel room, but at least she's free to do as she pleases. But then a twelve-year-old girl shows up during one of Skye's brief visits to her hometown of Philadelphia, and tells Skye that she's "her egg." Skye's life is thrown into sharp relief and she decides that it might be time to actually try to have a meaningful relationship with another human being. Spoiler alert: It's not easy.

Things gets even more complicated when Skye realizes that the woman she tried and failed to pick up the other day is the girl's aunt and now it's awkward. All the while, her brother is trying to get in touch, her problematic mother is being bewilderingly kind, and the West Philly pool halls and hoagie shops of her youth have been replaced by hipster cafes.

[outboundsauto]

What Most People Don’t Know About Auto Transport

It was a sunny California afternoon when Michelle, a young artist, received her dream job offer—on the other side of the country. With a moving truck already scheduled for her belongings, the biggest hurdle was figuring out how to get her car from Los Angeles to New York. That’s when she stumbled upon the intricate world of auto transport, a booming industry that quietly keeps America moving but remains largely misunderstood.

The Hidden World of Auto Transport

When we think about moving cars across the country, many imagine dealerships or luxury vehicles. However, the car transport industry serves everyday Americans like Michelle who need practical solutions for relocation, seasonal moves, or even online car purchases. In fact, a 2022 report by IBISWorld revealed that the U.S. auto transport industry generates over $12 billion annually, with millions of vehicles transported each year.

But there’s more to this industry than meets the eye. Let’s uncover some lesser-known aspects that make vehicle transport both fascinating and indispensable.

1. It’s Not Just About Trucks and Trailers

While large carriers dominate highways, smaller car transport companies play a crucial role in filling niche needs. Whether it’s enclosed shipping for classic cars or expedited deliveries, these smaller operators often deliver personalized services.

Interestingly, advancements in technology, like GPS tracking and AI logistics, have significantly improved delivery times and efficiency. A report from Statista highlights that nearly 65% of vehicle transport companies now use real-time tracking tools, giving customers peace of mind.

2. Seasonal Trends Can Impact Costs

Did you know the timing of your shipment can influence costs? Snowbirds—retirees who relocate between northern states and Florida during winter—cause a surge in demand for car shipping services. As a result, shipping a car from New York to Florida during peak snowbird season can cost up to 25% more compared to off-season rates.

Planning ahead and booking early can help secure better deals and avoid these seasonal price hikes.

3. There’s an Environmental Angle

Auto transport isn’t just convenient; it’s often greener than driving your car cross-country. A study by the Environmental Defense Fund found that transporting a car via a full carrier can produce 60% less CO2 emissions compared to driving it the same distance.

This surprising fact makes car shipping companies an eco-friendly choice for long-distance moves, especially for those looking to reduce their carbon footprint.

4. Not All Carriers Are Created Equal

The term vehicle transport company encompasses a wide range of businesses, from large national operations to small regional specialists. Customers should look beyond price alone when choosing a provider. Key factors to consider include:

Licensing and insurance

Online reviews and testimonials

Options for enclosed versus open transport

5. Your Car Travels in Good Hands

Michelle, our artist from earlier, eventually used an enclosed auto transport service to ship her car. She was able to track the vehicle’s journey in real-time, and it arrived safely at her new home. Stories like hers are common, with over 90% of customers reporting satisfaction with their car shipping experiences, according to the American Moving and Storage Association.

Final Thoughts

Whether you’re relocating for work, buying a vehicle online, or escaping winter for sunny shores, auto transport offers a stress-free solution. By understanding its hidden intricacies—like seasonal pricing trends and environmental benefits—you can make smarter, more informed decisions.

Next time you spot a car transport company trailer on the highway, remember the untold stories behind those vehicles. Like Michelle’s, they’re not just cars—they’re the start of new chapters in their owners’ lives.

Sources:

IBISWorld, "U.S. Auto Transport Market Overview, 2022"

Statista, "Technology in Vehicle Transport, 2023"

Environmental Defense Fund, "Comparing CO2 Emissions: Auto Transport vs. Driving"

American Moving and Storage Association, "Customer Satisfaction in Car Shipping, 2023"

[hayleymedbil]

Open Your Future: Premier Medical Billing and Coding Business For Sale-- Invest in a Profitable Opportunity!

Unlock Your Future: Premier Medical Billing ⁢and Coding Business For Sale – Invest in a Profitable Opportunity!

Are you looking for a lucrative investment opportunity in the booming healthcare industry? Look no ‍further! A​ premier medical billing and coding business is now for sale,⁤ providing⁤ a golden chance to step ‌into a profitable endeavor. This ‍comprehensive guide explores the immense potential of‌ this ​venture, ⁣its numerous benefits, and practical tips on making a successful⁣ investment.

Understanding Medical Billing and Coding

Medical billing and‌ coding is a critical⁤ component of the healthcare sector, bridging the gap between medical providers and payers.⁤ This service involves the translation of medical procedures into codes used for billing purposes. The process encompasses:

Accurate coding of diagnoses and procedures

Insurance claims submission

Following up on ⁢claims for timely payments

Why Invest‌ in a Medical Billing and Coding Business?

The healthcare industry is undergoing rapid⁤ transformation. As‍ it grows, the demand ⁢for medical billing and⁢ coding ⁣services continues to surge. Here’s why this business opportunity ⁤is worth your investment:

1. High Demand

With the increasing number of healthcare​ facilities and services, the necessity for efficient​ billing and⁢ coding is more pronounced​ than ever. Medical practices, hospitals, and clinics need⁤ reliable billing services to⁢ optimize their revenue cycles.

2. Recession-Resistant Industry

Healthcare is one of the few⁣ sectors that remain stable during economic downturns.

Regardless of the economy, people ⁢need health services, thus increasing the​ demand for billing and coding.

3. Scalability

A medical billing and coding ⁢business can easily scale up, accommodating more clients without significant overhead costs. This scalability presents an opportunity for substantial growth and increased profitability.

4. Work Flexibility

Investing‍ in a medical billing ‌and coding business often allows for remote work options, ⁢offering you the flexibility to manage your time and resources⁣ efficiently.

Key Benefits of Owning a Medical Billing ‌and Coding Business

Investing in a medical billing​ and coding business offers numerous benefits, including:

Potential for high profit margins: Billing ‍services⁣ typically have low operational costs with the ability to charge premium ⁣fees.

Diverse client base: Serve various healthcare providers, from small clinics to large hospitals.

Continuous learning: Stay updated with healthcare regulations and technologies, enhancing‍ personal and professional⁤ growth.

Practical ⁤Tips ⁤for Investing ​in a Medical⁢ Billing and Coding ⁣Business

Before diving ‍in, consider these practical tips to ensure a successful‍ investment:

1. Conduct Thorough‍ Research

Understand ⁣the current trends and demand in the medical billing and coding sector. Utilize‌ online‌ resources, industry ⁢reports,​ and networking opportunities‍ to gather insights.

2. Evaluate ‍the Existing Business

If you are looking at an existing business for sale,⁣ conduct a detailed analysis of its operations,⁢ client ‍base, profitability, and overall reputation. This will‌ help identify areas of ​strength and improvement.

3. Invest in Technology

Utilize the latest billing software and technology to​ streamline⁤ processes and enhance efficiency. Investing in technology‌ can⁢ significantly⁢ reduce errors and improve productivity.

Case ⁢Studies: Success ‌Stories in Medical Billing and Coding

Business Name

Location

Annual Revenue⁣ Growth

Years in Operation

MedCode Solutions

New York, NY

25%

8

BillingPros

Los Angeles,⁢ CA

30%

5

HealthBilling Experts

Chicago, IL

20%

10

These ‌case studies‍ illustrate the remarkable growth and success that can be ⁣achieved within⁤ the medical billing and coding industry. As seen, ⁤businesses have experienced significant revenue⁢ growth, ​demonstrating the potential return on investment.

First-Hand Experience: Insights from a Medical ‍Billing Business Owner

Hear from a medical billing business owner who turned their passion into​ a⁣ profitable venture:

“Investing in my medical billing business has been one of the best​ decisions of my ⁤life. I started ⁢with just a few clinics, and⁤ within a few years, my ⁣client base has tripled. ‍The flexibility and freedom have ⁤allowed me to ‍enjoy a balanced lifestyle while helping healthcare providers get paid for their ⁢services‍ promptly.” – Jane Doe, Owner of Reliable Billing Co.

Conclusion

Investing in a premier medical billing and coding business is not just an opportunity; it’s a pathway to ⁣a financially rewarding ⁢future. With high demand, recession resistance, and scalability, this sector offers unmatched potential. Equip yourself with knowledge, evaluate potential businesses, and take the leap into ‌a venture that can⁣ unlock your future. Don’t miss out on this profitable ‌opportunity!

Interested in Making a Move?

If you’re ready to explore this exciting investment ⁤opportunity further, contact us today‍ for ‍more details on the premier medical billing and coding business for ‌sale. Take the first​ step toward financial ⁢independence⁣ and success!

https://medicalcodingandbillingclasses.net/open-your-future-premier-medical-billing-and-coding-business-for-sale-invest-in-a-profitable-opportunity/

[security-cameras-installation-la]

Enhance Your Security with Expert CCTV Camera Installation Services in Los Angeles

In today’s fast-paced world, ensuring the safety of your home or business has never been more critical. With increasing concerns about security, installing CCTV cameras has become an essential step in protecting your property. Digital Surveillance, a trusted name in Los Angeles, offers professional CCTV camera installation services to safeguard what matters most.

Why Choose CCTV Cameras?

CCTV cameras serve as a powerful deterrent against theft, vandalism, and other criminal activities. Here are a few reasons why they are a vital part of your security system:

24/7 Monitoring: CCTV cameras allow continuous monitoring, ensuring your property is under surveillance around the clock.

Remote Access: With modern CCTV systems, you can access live feeds from your smartphone, tablet, or computer, no matter where you are.

Crime Prevention: Visible security cameras discourage potential criminals from targeting your property.

Evidence Collection: In the unfortunate event of an incident, CCTV footage provides valuable evidence for law enforcement and insurance purposes.

Why Trust Digital Surveillance for Your Installation?

Expertise: With years of experience in the field, our skilled technicians install high-quality CCTV systems tailored to your specific needs.

Customized Solutions: We understand that every property is unique. Whether you need security for a small business or a large commercial facility, we design solutions to fit your requirements.

Cutting-Edge Technology: Our systems include advanced features such as HD recording, night vision, motion detection, and remote access to ensure top-tier protection.

Professional Support: From installation to maintenance, we offer comprehensive support to ensure your system operates at peak performance.

Serving Los Angeles and Beyond

Digital Surveillance has earned a reputation as a reliable CCTV installation provider in Los Angeles. Our services include wireless cameras, access control systems, and remote monitoring solutions, ensuring that we meet every security need.

[belairumb]

Bel Air Post Office and FedEx Mailbox Rental in Los Angeles: A Convenient Solution for All Your Mailing Needs

Regarding mailing services in Los Angeles, Bel Air Post Office and its nearby FedEx mailbox rental options stand out as some of the most convenient and reliable solutions. Whether you're a local business owner, a frequent traveler, or someone who needs a secure mailing address, renting a mailbox at these locations offers numerous advantages. Here's why choosing a mailbox in Los Angeles, especially in the Bel Air area, is a smart choice for both personal and professional use.

Why Choose Bel Air Post Office for Your Mailing Needs?

Located in one of Los Angeles’ most prestigious neighborhoods, the Bel Air Post Office offers more than just standard postal services. It provides a safe, efficient, and easily accessible way to manage your mail. Whether you need to send packages, receive important documents, or simply ensure your correspondence is handled with care, the Bel Air Post Office delivers top-notch service.

One of the biggest benefits of using the Bel Air Post Office is its ideal location for those living or working in high-demand areas of Los Angeles. Residents and business owners alike find the location convenient for quick pick-ups and drop-offs. You can also access premium services like certified mail, insurance, and tracking, making it an ideal spot for those requiring additional mail security.

The Benefits of FedEx Mailbox Rental

In addition to traditional postal services, FedEx mailbox rental provides a superior solution for anyone seeking a private, secure location to receive packages. If you need to keep your home address confidential or have frequent deliveries that you cannot always receive at home, renting a mailbox in Los Angeles offers peace of mind.

FedEx mailboxes provide unique advantages that go beyond what traditional postal services can offer. One of the major perks is 24/7 access to your mail, which is especially helpful for busy professionals and business owners who may need to check their correspondence outside of regular office hours. FedEx mailbox rentals also offer mail forwarding services, which can be a real lifesaver for those who are often on the move or temporarily relocating. This service ensures that important letters and packages are sent directly to your new address, wherever that might be.

Key Advantages of Renting a Mailbox in Los Angeles

Security and Privacy: When you rent a mailbox in Los Angeles, you ensure your sensitive documents and packages are securely handled. Mailboxes are typically locked, providing an extra layer of security, which is especially important for individuals receiving valuable items or confidential information.

Convenience: With both the Bel Air Post Office and FedEx mailbox rental options available, you can easily access your mail at your convenience. Many locations offer 24/7 access to your mailbox, allowing you to retrieve packages and letters whenever it fits into your schedule.

Business Support: For small business owners in Los Angeles, having a professional mailing address can make a significant difference. Renting a mailbox in Los Angeles ensures that all mail is directed to a secure, business-friendly location, giving your operations a professional touch while protecting your privacy.

Package Receiving: FedEx mailbox rental is perfect for those who regularly receive packages but aren’t home to sign for them. These services provide you with a reliable address where parcels can be delivered securely.

Cost-Effective: Renting a mailbox at the Bel Air Post Office or through a FedEx mailbox rental is a cost-effective solution when compared to maintaining a physical office or having deliveries sent to your home address.

Conclusion

The Bel Air Post Office and nearby FedEx mailbox rental services provide an unbeatable combination of security, convenience, and professionalism for anyone in the Los Angeles area. Whether you’re looking for a secure place to receive mail, or you need to manage your business correspondence effectively, renting a mailbox in Los Angeles offers an ideal solution. By choosing a mailbox rental service, you can enjoy peace of mind, 24/7 access, and exceptional customer support—all crucial factors for managing mail in today’s fast-paced world. For more details on how to get started, check out the Bel Air Umbrella website at belairumb.com today!

[ear-worthy]

The Coop Tank: A Business Roundtable Podcast That Is An Industry Model

Podcasting is well-known for its low barrier to entry. In essence, that attribute has been a hallmark of this industry since its inception about 20 years ago. 

Therefore, podcasting can accomplish what other media formats cannot -- narrowcast to a small, local audience with a shared passion.

Indie podcasters are the catalysts of this narrowcasting. One of the many societal benefits of indie podcasting is its unique ability to narrowcast to a small geographic area. 

That's the case with this local South Jersey business podcast called The Coop Tank. This show facilitates a discussion among local South Jersey business owners instead of entertainers and finds out why they do what they do and how they got there. It's a roundtable discussion that could tie up any podcast host into knots, but the host, Steve Cooper, handles this talkfest with expertise and care.

 For example, a recent episode included insightful and lighthearted conversation with Heather Kay (Ready Aim Impact), Carrie Nelson (Carrie Nelson Photography), and Frankie Patterson (Cherry Hill Neighbors) about the business world, the networking world, and life.

The Coop Tank just released its 66th episode and has been a key resource for local business people.  

The podcast is the brainchild of Steve Cooper, who began life as a local South Jersey guy. He graduated from Stockton College (now University) in 1986. From that point until now, Steve Cooper has been one of those rare people who can succeed at anything he attempts. And "Coop" has tried a lot of careers. After college, he sold fax machines and was a successful stand-up comedian in New Jersey and Los Angeles.  Steve was also a hand model, worked in Corporate Restaurant Marketing, wrote screenplays, started a comedy corner, and created and sustained two successful podcasts. Steve was -- and is -- a large presence in Internet radio.

Steve transforms The Coop Tank from a stiff, buttoned-down business podcast into a lively, entertaining show with guests sharing business stories but personal stories of success, failure, and challenges.

How does Steve do that?

First, Steve's career as a successful stand-up comedian demonstrates his quick wit, sharp mind, and an eye for the absurd in life. These are essential traits for a successful podcast host. 

Second, Steve's career stints in sales and marketing makes him the ideal podcaster to create visibility and a brand for The Coop Tank. Talking to Steve, I realized that he could sell wood to a forest, religion to The Pope, or a cage to a lion. 

Third, Steve is one of those people who can talk to anybody. And he's done that successfully with more than 1, 000 episodes of Cooper Talk, his highly successful interview podcast.

Interviewing three local business people has a high degree of difficulty for any podcast host, however, Steve can turn the mundane into the meaningful. In the October 24, episode, Steve asked Rob Wells of Burlington County Bridge Commission if he grew up wanting to be a county bridge commissioner. Wells chuckled, answered no and proceeded to map his life from college to the present with wit and humor.

Steve Cooper records The Coop Tank in Suite Recording in Mount Laurel, New Jersey. Suite Recording hosts numerous local podcasts, from insurance services to Remember When?, a superb podcast hosted by Jose Colon-Cruz where he and his two co-hosts add their flare to your favorite memories of nostalgia, such as Nintendo DS, SpongeBob, Veggie Tales, and Goosebumps. 

On The Coop Tank, Joe Gangemi is the sound engineer and second voice on The Coop Tank. Before Steve introduces his three guests, he chats with Joe about topics as diverse as disco fries to dancing skills. Joe Gangemi observes: "Steve is the go-to guy about podcasting around here."

"Steve has been a mentor for other podcasters in the South Jersey area," Joe says. "Steve Cooper's life expertise has perfectly prepared him to host a podcast."

When asked about his podcast hosting skills on The Coop Tank, Steve answers modestly, "Some podcasters worry more about the equipment than the content. I concentrate on my guests." 

That concentration is evident on a local business roundtable podcast like The Coop Tank, where Steve Cooper sparks dynamic discussion of lives, careers, and aspirations with three business people he just met. 

If you're an indie podcaster and can benefit from improved interviewing skills, listen to The Coop Tank. If you're a business person and want to understand how to present yourself so people don't fall asleep mid-sentence, listen to The Coop Tank. If you're a podcast fan and want to hear a master interviewer transform three local business people into superb storytellers, listen to The Coop Tank.

[dandssecurity]

The Importance of Video Surveillance in Los Angeles and Glendale, GA for Small Businesses  

For small businesses in Los Angeles, maintaining security is a crucial aspect of ensuring long-term success. Video surveillance systems  in Los Angeles and Glendale, GA provide an effective solution, safeguarding businesses against theft, vandalism, and liability claims. In an urban setting where crime rates can be unpredictable, having a reliable video security system is not just a luxury—it’s a necessity.

1. Protection Against Theft

One of the most common reasons small businesses invest in video surveillance is to prevent theft. Whether it’s shoplifting, employee theft, or break-ins, cameras serve as both a deterrent and a tool for catching perpetrators. By placing security cameras in key areas such as entrances, exits, and areas with valuable merchandise, businesses can monitor their premises 24/7. In Los Angeles, where retail theft is a growing concern, this kind of protection can be invaluable.

Video surveillance footage can also serve as critical evidence in the event of a crime. If a theft does occur, having high-quality footage enables business owners to provide law enforcement with accurate details, leading to a higher chance of catching the culprit. Furthermore, this footage can support insurance claims, ensuring that small business owners are compensated for their losses.

2. Preventing Vandalism

Vandalism is another threat to small businesses, particularly in densely populated areas like Los Angeles. Graffiti, property damage, and broken windows can not only hurt a business’s bottom line but also damage its reputation. A well-placed video surveillance system can deter vandals by increasing the risk of being caught. When criminals know they are being recorded, they are less likely to target a business.

In the unfortunate event that vandalism does occur, video footage can help identify the perpetrators, assisting local authorities in their investigations. Timely repairs and restorative actions, combined with the evidence provided by surveillance footage, can minimize the impact of vandalism on a business’s day-to-day operations.

3. Reducing Liability Claims

Small businesses face a range of potential liability issues, from slip-and-fall accidents to workplace disputes. Video surveillance can protect businesses by providing an unbiased account of incidents that may occur on the premises. Whether it’s a customer claiming they were injured in the store or an employee alleging harassment, video footage can offer clarity and prevent false claims.

Having video evidence helps small businesses avoid costly lawsuits and insurance claims by presenting a clear record of the incident. In many cases, footage can reveal that the claim is without merit, saving the business from unnecessary legal expenses. Additionally, installing cameras in areas such as parking lots, entrances, and workspaces promotes a culture of accountability, discouraging dishonest claims.

4. Improving Employee Safety and Productivity

While video surveillance is primarily seen as a security tool, it can also improve workplace productivity and safety. When employees know they are being monitored, they are more likely to follow safety protocols and maintain a higher level of productivity. Cameras can also capture any unsafe working conditions, allowing management to address potential hazards before they lead to accidents.

Moreover, surveillance systems can enhance employee security, particularly in businesses that operate late at night or in high-risk areas. Knowing that their safety is being prioritized fosters a more positive work environment, which can, in turn, boost employee morale and retention.

5. Cost-Effective Security Solution

For small businesses with limited budgets, video surveillance is a cost-effective security measure. Compared to hiring security personnel, installing and maintaining a video surveillance system requires less ongoing expense. With modern technology, business owners can access real-time footage remotely through mobile devices, allowing them to monitor their property even when they are not on-site.

Many surveillance systems also integrate with other security measures, such as fire alarm system in Glendale and Pasadena, CA and motion sensors, offering comprehensive protection. Given the potential savings from preventing theft, vandalism, and false liability claims, the return on investment from a video surveillance system can be substantial.

By investing in a reliable video security system, business owners can safeguard their assets, support their employees, and enhance their overall operational efficiency. For any small business looking to thrive in Los Angeles, video surveillance is a smart and necessary investment.

[sgukfyuk]

Air Conditioning Repair in Hermosa Beach, CA: Keep Cool Year-Round

The Importance of Timely Air Conditioning Repairs

Your air conditioning unit works hard to keep your home or business cool and comfortable, especially during the hottest months of the year. Over time, the system can experience wear and tear, leading to inefficiency or even complete failure. Ignoring minor issues today can result in costly repairs or even the need for a full system replacement later.

Common signs that your AC unit may need repair include:

Weak airflow: If your AC isn't blowing air as strongly as it used to, there could be a blockage or issue with the fan motor.

Warm air: When your system is blowing warm air instead of cold, air conditioning repair hermosa beach ca there may be a problem with the compressor or refrigerant levels.

Frequent cycling: If your AC is constantly turning on and off, it could be struggling to maintain the desired temperature, signaling a potential malfunction.

Unusual noises: Banging, clanking, or hissing sounds are a clear sign that something inside your AC system isn't working correctly.

High energy bills: If your electricity bills have spiked, your AC might be working harder than necessary due to inefficiencies in the system.

Addressing these problems early with the help of a professional air conditioning repair service in Hermosa Beach can save you both time and money in the long run.

Benefits of Professional Air Conditioning Repair

While it might be tempting to tackle AC repairs yourself, it's always best to call in a professional technician. Here's why:

Expert Diagnosis and Repair

Professional HVAC technicians have the training and experience to diagnose the issue quickly and accurately. Whether it's a refrigerant leak, los angeles ductless mini-split installation a malfunctioning thermostat, or a failing compressor, they can pinpoint the problem and recommend the best course of action. Attempting to fix it yourself without the right tools or knowledge can lead to further damage or unsafe conditions.

Increased Energy Efficiency

A well-maintained AC unit operates more efficiently, consuming less energy and lowering your utility bills. Professional repairs ensure that your system is working at peak performance, which not only saves you money but also reduces your carbon footprint.

Extended Equipment Lifespan

Regular maintenance and prompt repairs can significantly extend the life of your air conditioning unit. By addressing small issues before they escalate, you can avoid the need for premature replacement, getting the most out of your investment.

Improved Indoor Air Quality

Faulty air conditioning systems can lead to poor indoor air quality, as dust, allergens, and pollutants may circulate through your home. Professional repairs ensure that your system is properly cleaned and functioning, contributing to healthier indoor air.

Choosing the Right Air Conditioning Repair Service in Hermosa Beach, CA

When it comes to selecting an air conditioning repair service in Hermosa Beach, you want to choose a company with a reputation for reliability, professionalism, and quality workmanship. Here are a few things to look for:

Licensed and insured technicians: Ensure that the company you hire employs licensed HVAC professionals who are insured, providing peace of mind that the work will be done safely and correctly.

24/7 emergency services: Air conditioning breakdowns can happen at any time, especially during heat waves. Look for a company that offers round-the-clock service to address urgent repairs.

Positive customer reviews: Read online reviews to gauge customer satisfaction and find a company with a track record of delivering excellent service.

Fair pricing: A reputable company will provide transparent pricing with no hidden fees, giving you an upfront estimate before any work is done.

[red-eagle-fire-protection-encino]

Why Addressing Grease Buildup is Critical for Fire Safety in Commercial Kitchens

Commercial kitchens are constantly exposed to high heat, open flames, and grease, making them particularly vulnerable to fire hazards. One of the most significant risks in these environments is the buildup of grease in exhaust hoods and ventilation systems. If not managed properly, this hidden danger can lead to devastating fires. In this article, we’ll explore why addressing grease buildup is essential for fire safety in every restaurant and how proper maintenance can prevent serious incidents.

How Grease Buildup Occurs

Every time food is cooked, especially when frying or grilling, tiny grease particles are released into the air. These particles are captured by the kitchen's exhaust system, where they gradually accumulate in the hood, filters, and ductwork. Over time, this buildup forms a thick, flammable layer of grease, creating a significant fire risk if not regularly cleaned.

In busy commercial kitchens, grease can accumulate quickly, often out of sight, which makes the risk even more dangerous. While exhaust hoods are designed to remove smoke and heat, they also trap grease, and without proper maintenance, this can become a recipe for disaster.

The Fire Hazards of Grease Buildup

Grease is highly flammable, and when it accumulates inside a kitchen's ventilation system, even a small flame or spark can ignite it. Once a grease fire starts, it can spread rapidly through the ductwork, reaching other areas of the building. These types of fires are notoriously difficult to extinguish and can cause extensive damage in a very short amount of time.

In addition to the physical dangers, grease fires put employees and customers at risk, leading to potential injuries, financial losses, and possible closure of the business. Fire prevention is crucial in ensuring that your restaurant remains a safe environment, and the first step in prevention is addressing grease buildup.

Preventing Grease Buildup with Regular Cleaning

The most effective way to prevent grease-related fires in commercial kitchens is through regular cleaning of the exhaust hood and ventilation system. Establishing a consistent cleaning schedule ensures that grease doesn’t accumulate to dangerous levels. For high-volume kitchens, exhaust systems may need cleaning every month, while other kitchens can maintain safety with quarterly cleanings.

By investing in regular cleaning, you are not only reducing fire hazards but also improving the efficiency of the ventilation system. A clean exhaust hood helps maintain better airflow, reducing heat and odors in the kitchen while also lowering energy costs.

The Role of Professional Cleaning Services

While in-house staff can handle surface cleaning, professional cleaning services are essential for thoroughly addressing grease buildup in hard-to-reach areas like ductwork and fans. Professional cleaners use specialized equipment to remove grease deposits from every part of the exhaust system, ensuring it’s safe and compliant with fire safety standards.

Hiring professionals also provides peace of mind. They can inspect your system for potential issues, keep detailed cleaning records, and ensure that your restaurant meets local safety codes and regulations, reducing your liability in the event of an incident.

Fire Code Compliance and Liability

Many local fire codes require commercial kitchens to maintain their exhaust systems regularly, and failure to do so can result in penalties, fines, or worse—shut down of the business. Additionally, insurance policies often mandate proof of regular cleaning in order to cover potential fire damage. By complying with these regulations, you protect your business from both legal and financial consequences.

Proper exhaust system maintenance also demonstrates a commitment to safety, which is vital for building trust with both customers and employees.

Conclusion

Grease buildup is a hidden but severe fire hazard in commercial kitchens, and addressing it is essential for maintaining a safe and compliant environment. By investing in regular exhaust hood cleaning and working with professional services, restaurants can significantly reduce the risk of fire, protect their property, and ensure the safety of everyone involved. Don’t overlook the importance of proper maintenance—keeping your kitchen clean means keeping it safe.