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Strictly’s historic three-way dance off falls flat
Spare a thought for the producers on the BBC’s flagship shows. Over on The Celebrity Traitors they do their best to put together a jolly complicated game show in a nice Scottish castle, only to have e...
Getting past the misconceptions about evolution - Lutheran Alliance for Faith, Science and Technology
Explore misconceptions about evolution, scientific theories and Darwin’s contributions, and how addressing these beliefs can improve science education.
2 Barcelona, 1 Real Madrid: Updated Pichichi standings
Leading members of the attacking ranks at both Barcelona and Real Madrid continued to add to their respective tallies amid the early-season race for the Pichichi prize this weekend.Extending his advan...
49ers Get Rejected After Agreeing to WR Trade: Report
The San Francisco 49ers already made one blockbuster move earlier this week when they acquired three-time Pro Bowl interior defensive tackle DeForest Buckner from the Indianapolis Colts. In the middle of their bye week, 49ers general manager John Lynch has seemingly remained extremely active. San Francisco has been rumored to be in the market for […] The post 49ers Get Rejected After Agreeing to WR Trade: Report appeared first on HEAVY.
Lyon manager Paulo Fonseca agrees Sporting CP move
Lyon manager Paulo Fonseca and Sporting CP have reached an agreement for the Portuguese head coach to takeover at the Lisbon-based club, according to Foot Mercato. Reports in both France and Portugal ...
Older Americans who vote live longer than those who don’t
Since voters live longer, casting a ballot may be seen as another healthy habit, like going for a run or eating lots of vegetables.
Chris Murphy: A timeline of the Connecticut senator's life and political career
As U.S. Sen. Chris Murphy recovers after suffering a stroke, here’s a look at the major moments that have shaped his life and career, including his rise through Connecticut politics, election to Congress and more than a decade in the U.S. Senate. Aug. 3, 1973: Chris Murphy is born in White Plains, New York. He later grows up in Connecticut…
Jude Bellingham smashes Zinedine Zidane’s Real Madrid goalscoring benchmark
A head-turning statistic, highlighting the impressive level of goalscoring showcased by Real Madrid star Jude Bellingham since his arrival in Spain, has come to the fore online.This comes fresh off th...
DMX's New 'Flesh of My Flesh' Vinyl Is Filled With Fake Blood
Just in time for Halloween, one of hip-hop's most unforgettable album covers inspires a gruesome new collectible edition, available now on Complex.
How to think about the midterms — and the political moment the country is in
Polls show Democrats with an advantage in the midterm election but there are potential limitations and results may take a while to roll in.
Harry Styles gets a surprise from Jalen Brunson at 'Harryween' show
NEW YORK – Amid a sea of witches, Waldos and Statues of Liberty, Harry Styles exuberantly closed out his "Together, Together" residency on Halloween night.
Harry Styles gets a surprise from Jalen Brunson at 'Harryween' show
NEW YORK – Amid a sea of witches, Waldos and Statues of Liberty, Harry Styles exuberantly closed out his "Together, Together" residency on Halloween night.
Do The Miami Heat Need To Make A Trade?
Despite landing Giannis Antetokounmpo, the Miami Heat’s aging roster and chemistry issues have sparked urgency. Could Pat Riley target stars like to salvage a potentially closing championship window.
Illinois health insurance open enrollment begins
CHICAGO — Illinois residents can begin shopping for 2027 health coverage today through Get Covered Illinois, the state-run insurance marketplace, as the annual open enrollment period opens. Open enrollment runs […]
38% of Retirees Say Health Care Has Cost More Than They Expected. Here's What a 65-Year-Old Should Budget Instead
Medicare looks like a safety net until the bills arrive, and most new retirees discover the gaps only after they have already retired. A breakdown of what a 65-year-old actually owes in 2026 reveals a number that surprises even people who thought they had planned ahead.
38% of Retirees Say Health Care Has Cost More Than They Expected. Here’s What a 65-Year-Old Should Budget Instead
Medicare looks like a safety net until the bills arrive, and most new retirees discover the gaps only after they have already retired. A breakdown of what a 65-year-old actually owes in 2026 reveals a number that surprises even people who thought they had planned ahead.
Midstream Health Raises $20 Million to Help Hospitals Recover Missed Payments
Midstream Health raised $20 million to scale its AI agents, helping hospitals recover payments and strengthen their financial performance.
Get To Know A Marquette Basketball Opponent: Mercyhurst
The Golden Eagles tangle with the Lakers to start the season, so let’s learn about them.
Devils trade goalie to Capitals after Connor Hellebuyck blockbuster
The New Jersey Devils are making moves , as the team tries to skate into the Stanley Cup Playoffs later this season. New Jersey is trading goaltender Remi Poirier to the Washington Capitals, the team announced Sunday. The Devils in return are getting a seventh-round pick in the 2027 NHL Draft. The move comes days after New Jersey traded for veteran […] The post Devils trade goalie to Capitals after Connor Hellebuyck blockbuster appeared first on ClutchPoints.
The midterms will test the nation's political direction and confidence
At least some portion of the nation is likely to have its political confidence — and perhaps even its sense of security — tested in the days and weeks ahead. That test could also continue for some time to come.
Sen. Chris Murphy hospitalized following stroke
Democratic Sen. Chris Murphy of Connecticut was hospitalized on Saturday after experiencing a stroke, his office said.
G.Skill 32 GB DDR5 Now Costs $156 When Purchased With Ryzen 9850X3D And B850 Motherboard Bundle
Get the AMD Ryzen 7 9850X3D, 32 GB DDR5 RAM, and B850 motherboard bundle for $829 at Micro Center, saving $324 off the regular price.
Soaring health insurance costs are quietly preventing wages from rising higher, while workers also shoulder a larger share of premiums, economist says
If employer contributions had instead grown at 3%, which was the pace a few years ago, wage growth would be about 0.2-0.3 percentage points faster today.
Mbappe strikes after China controversy as Real Madrid beat Santander
Kylian Mbappe moved on from a tumultuous week by scoring a penalty to help Real Madrid win 3-0 at Racing Santander on Sunday.Earlier Sevilla, sixth, suffered a 3-1 loss at Getafe, who moved into mid-table.
Binance withdrawals resume following $6 billion hack
Binance, the world’s largest cryptocurrency exchange, said it has resumed withdrawals after a record $6.3 billion was stolen from its digital wallets last week.
A field guide to the conspiracy theories you’ll likely see on Election Day
It’s the most important day in American democracy. It’s also the Super Bowl for misinformation on the internet.
Wu-Tang Clan is Eminem's pick for halftime at Lions Thanksgiving game
Eminem is in his second year of curating the Lions Thanksgiving halftime entertainment.
Michael Mann Accidentally Shoots Himself at L.A. Gun Range
The incident happened on Saturday during target practice at a sanctioned gun range.
You might be neglecting the one thing that keeps your PC healthy
Windows offers Disk Cleanup, easy app uninstalls and Storage Sense, but Microsoft PC Manager did a more thorough job freeing up storage space in our tests.
3 Biggest Keys For Hornets to Take Down Pistons
Can the Hornets get back on track against Detroit?
Vikings Get Massive Saquon Barkley Update Amid Trade Rumors
The Minnesota Vikings are being heavily linked to Colts RB Jonathan Taylor as the trade deadline looms. A couple of weeks ago, Saquon Barkley was rumored to be in play as well.As of Saturday morning, the Colts made it clear that they are officially open for business on a Taylor trade. Indianapolis hadn’t made it […] The post Vikings Get Massive Saquon Barkley Update Amid Trade Rumors appeared first on HEAVY.
Jay-Z Super Bowl Halftime Show Is Happening. Will We Get a New Album?
The HOV Bowl is set for February. Should we expect a new album too?
Why 2026 Is a Health Care Election
_Ypsilanti, Michigan_THE MIDTERM ELECTION IS ABOUT a lot of things: gas prices and groceries, the spread of corruption, and the future of democracy. And yet, as much as any single issue, it’s about health care. You can tell by listening to all the Democrats talking about high deductibles, drug costs, and insurance companies as they campaign around the country. Or you can tell by reading all the public-opinion surveys in which voters consistently rank health care as one of their top concerns. But if you really want to know why this is a health care election, your best source isn’t the politicians or the pollsters. It’s the people on the front lines. One of them is Raymond Rion, a family medicine physician and executive director of Packard Health, a small network of clinics spanning Ann Arbor and Ypsilanti on the western outskirts of the Detroit metro area. Packard is what’s known as a Federally Qualified Health Center, where anybody can get care regardless of income or insurance status. And like similar safety-net providers all over America, for the past decade it has benefited directly from the Affordable Care Act. “We almost went bankrupt in 2011,” Rion told me in a conversation last week, recalling how in the old days staff at Packard would work the phones furiously to get supplies and find specialists who would take referrals. Now many more patients have either Medicaid or private coverage they’ve purchased through HealthCare.gov, the online marketplace that the law created, so that the proportion of uninsured patients has fallen from around one in three to one in ten. It’s a lot easier to find referrals for these insured patients, though thanks to the infusion of paying customers Packard can do much more on its own. In particular, Rion said, the organization has opened two new branches, started a pharmacy, begun offering prenatal services, and vastly expanded behavioral health care by bringing on a half-dozen new doctors, nurses, and case workers. Now a retrenchment is underway. Coverage options on the HealthCare.gov marketplace got more expensive because Donald Trump and the Republicans refused to renew temporary subsidies that had been reducing the price of insurance. On top of that, the first cuts to Medicaid as part of last year’s “One Big Beautiful Bill” are starting to take effect. Rion told me Packard has already laid off a provider in anticipation of less revenue next year.1 Patient volume is down, he went on to explain, in part because uninsured patients sometimes avoid care altogether out of fear a single visit will lead to more treatments with more bills. And postponing care in that way can have serious medical consequences, as his colleague Ron Romero told me. “So you have somebody with diabetes, their chronic condition isn’t getting cared for,” said Romero, who like Rion is a family physician. “Their sugars rise, and they end up having other medical problems. Their kidneys start to get damaged. They start to have eye damage. They increase risk for heart attacks and strokes. . . . They end up in the emergency room.” And things are likely to get worse. Partly that’s because next year most of the remaining Medicaid cuts will take full effect, throwing more people off coverage. And partly it’s because forces that have nothing to do with Trump or Republican actions are making medical care more expensive for everyone, including those with employer insurance and Medicare. That will lead to still more people delaying or skipping care, ending up in the emergency rooms, and putting yet more cost pressure on providers. Rion wasn’t taking a position on the election or political parties, he made clear. He was just describing the reality he sees around him: “The whole system is being pressured. Nobody is immune to this stuff.” He’s right. And here’s the thing: This has all happened before. We know happens next.
Vikings, Jordan Addison Trade Floated As Deadline Nears
The Minnesota Vikings are now eight days away from the 2026 trade deadline. Before they get there, there are two games to take care of.In Week 8, they travel to Ford Field to play the Detroit Lions. In Week 9, they host the Buffalo Bills on Monday Night Football in Minneapolis. As of the publishing […] The post Vikings, Jordan Addison Trade Floated As Deadline Nears appeared first on HEAVY.
Michigan State Basketball: Top Three Bets for Opening Night
Tom Izzo’s squad kicks off the season against Quinnipiac. Maximize your opening night value by targeting team totals and alternate spreads as the Spartans find their offensive rhythm.
Guardians Should Target All-Star Starter to Bolster Rotation
The Cleveland Guardians could look to make a splash move this offseason.
5 Spotify settings you'll wish you changed sooner
Improve your audio quality, keep kids music out of your algorithm and more.
Inter on the pitch: Nerazzurri's training session
Inter get back to work as they prepare for their next match in the Champions League: the Nerazzurri will take to the pitch on Tuesday 3 November at 21:00 CET away to Feyenoord on the fourth matchday o...
Sabres’ Power Play Flipped The Script On Road Trip
The Buffalo Sabres‘ special teams have been horrific in the first month of the season. That recently changed for the power play.If the Sabres want to officially turn their postseason appearances into more than a one-season outlier, their special teams must get better. While the penalty kill remains historically bad as the second month of […] The post Sabres’ Power Play Flipped The Script On Road Trip appeared first on HEAVY.
NH's Business: NH Public Policy and State Budget
Fred Kocher sits down with Gene Martin, the executive director of the New Hampshire Fiscal Policy Institute.
Should you take a buyout?
This is a condensed version of Business Insider Today, a newsletter that gives you a look at the week’s top stories. Sign up here to get the full Business Insider Today in your inbox every day for the top stories in markets, tech, and business.
Former President Obama endorses Charles Booker in Kentucky Senate race
Charles Booker is running against Republican Rep. Andy Barr to succeed Sen. Mitch McConnell.
Meta's AI shopping agent threatens Amazon's lucrative advertising business
Meta’s AI shopping assistant Muse could threaten Amazon’s retail and ad dominance.
5 Of The Best Leatherman Multitools For Gardening
From pruning stubborn branches to fixing garden fixtures, these Leatherman multitools are resourceful companions that won't get dusty in your garage.
Lung Cancer Screening Saves Lives—So Why Are So Few Americans Getting It?
A public health expert explains why lung cancer screening with low-dose CT scans is underutilized in America.
17 Cool New Gadgets to Keep on Your Radar
Catching you up on the past week’s most notable product releases.
How to get Washington’s business climate back on track
“The check engine light for Washington’s business climate is flashing.”
Sosa-Quintanilla: Voces Health Summit 2026 was a great success
The 2026 Voces Health Summit brought health and culture together at the Brownsville Events Center.
From Business Emails to XLoader: An Order Lure That Led to In-Memory Injection
Get expert insights into technology trends, the cybersecurity landscape and new and emerging threats.
Bayern Munich monitoring Martin Odegaard’s Arsenal contract situation
Arsenal have opened discussions over Martin Odegaard’s future, with the captain’s contract situation beginning to attract attention from elsewhere in Europe.Photo by Carl Recine/Getty ImagesBayern...
What is the big deal about dragon fruit?
Rich in fiber, vitamin C and antioxidants, dragon fruit can promote your immune system and protect your gut.
Top Trump Officials Are Hitting the Campaign Trail Ahead of the Midterms. Are They Allowed To?
Legal experts and advocacy groups contend that in seeking to boost Republicans ahead of the midterms, members of the Administration have violated a decades-old law.
Why AI is boosting Meta's ad business while hurting Google search
The gap between Meta's ad revenue growth and Google's search expansion was the widest it's been since 2021 in the latest quarter.
Audiobooks vs. Reading: Which is Better for Your Brain?
Experts break down whether listening to audiobooks or reading a print book is better for your brain health as you age.
The Hollywood Color Nerd Who Shot ‘Knives Out’ Explains His Viral iPhone Camera App
The Chromagraph Camera app costs $13 dollars and processes iPhone photos with the same color math Rian Johnson’s cinematographer, Steve Yedlin, uses for film.
What Happens to Your Blood Pressure When You Drink Coffee Before Water in the Morning
Drinking coffee and skipping water in the morning may increase the risk of dehydration, a potential risk factor for increased blood pressure.
7 Simple Recipes to Get Plant-Based Protein at Every Meal, Approved By a Dietitian
Adding plant protein to your meals will also naturally add fiber, vitamins, minerals and more nutrients to your overall diet.
It's ACA open enrollment time. Here are the changes for health insurance shoppers
The ACA health insurance marketplaces — find yours at HealthCare.gov — open Nov. 1 for 2027 coverage. Getting an early start may be especially important this year.
Sweet Loren’s Was Making $350,000 a Year. Then 1 Decision Helped Turn It Into a $100 Million Business
A deal with Whole Foods helped Sweet Loren’s get started, but the real breakthrough came when founder Loren Castle listened to customers.
Obamacare continues to shrink as enrollment opens for 2027
Holly Hendricks, who is battling an autoimmune disease that leaves her with open wounds down to the muscle, did everything she could to maintain her Affordable Care Act coverage after the enhanced premium subsidies lapsed at the start of this year.
How to follow along with CNN’s election coverage
Millions of voters will cast their ballots Tuesday in an election that will decide the balance of power in Congress and set the tone for President Donald Trump’s remaining two years in the White House.
5 festive movies and shows on Netflix UK to get you in the holiday spirit
November is here, which means the time for holiday cheer begins. Here are five movies and shows on Netflix UK to give you some Christmas cheer.
Australian public servants demand AI safeguards as politicians eye staff savings
One Nation’s Barnaby Joyce wants retiring public servants replaced with AI.
Column: Don’t let political fatigue have the last word, so get out and vote
As easy as it is to get tired of all the political noise, Tuesday’s election is the best chance for your voice to be heard.
Charles County Health Officials Report Early Flu Season, Urge Shots Before Holidays
LA PLATA, Md. — With flu cases already showing up in Charles County and holiday gatherings approaching, health officials are encouraging residents to get vaccinated before the season picks up. Residents can get a flu shot during weekday walk-in hours at the Charles County Department of Health, with another opportunity coming Saturday, Nov. 7, at […]
Winner and Loser of the Week in Florida politics
Angie Nixon fumbles a Cuba question, dirty tricksters target voters, and the Florida Trib staffs up.
“Everybody’s Practicing Less, but Getting Injured More”: Kirby Smart Takes Candid Dig at NIL Era While Discussing SEC’s Growing Problems
As college football undergoes a major transition, Georgia head coach Kirby Smart has raised concerns about the NIL era’s impact on player motivation, roster depth, and injuries. Speaking after Georgia’s 27-8 victory over Florida on Saturday, Smart admitted that the current SEC landscape looks considerably different from what he experienced during his national championship runs in 2021 and 2022.
Flu season came early to Erie County. Doctors saw cases in August
Erie County is seeing an early start to flu season with reported cases as early as August. Doctors urge getting vaccinated.
Fortnite Players Can Get Item Shop Skins For Free with the Pirate Shop Token
Fortnite's answer to competing with Grand Theft Auto 6 is to give players the entire Item Shop for free with the Pirate Shop Access Token.
Get to know LSU basketball center Brice Dessert
Get to know LSU basketball's 2026-27 roster a little better. Here's three things to know about French center Brice Dessert.
Why your Medicare drug plan costs will be higher in 2027
The average monthly premium for millions of Americans enrolled in a Medicare stand-alone prescription drug plan will rise 50% in 2027.
Clues emerge on why colon cancer may be harder to treat in young people
New research could offer targets for future studies and new treatments.
SpaceX's AI Business Is Exploding, but Is It Worth the Price?
Investors should ask some key questions about SpaceX before getting swept up in the AI excitement.
Will Josh Shapiro’s Data Center Past Haunt his Political Future?
As Pennsylvania’s popular governor gears up for a potential presidential run, his reversal on the issue draws scrutiny.
Pols & Politics: MA Senate advances bill for permanent Daylight Savings Time
The Massachusetts Senate advances a bill to establish permanent Daylight Savings Time, another potato chip manufacturer is leaving the Bay State, and government watchdog groups endorse ‘Yes on 5.’
Petting Dogs Was Supposed To Lower Stress—Scientists Found Something Else
The real benefit may kick in later than expected, with researchers uncovering a surprising shift in the body's response to stress.
IRGC Defines New Geographical Scope for Operations against US
TEHRAN (Tasnim) – The spokesperson for the Islamic Revolution Guards Corps announced that identifying new targets and planning operations in new geographical areas are on the agenda, saying Iran has defined a vast operational theater to inflict damage on the enemies.
Paris FC predicted XI v Monaco: Luca Koleosho out
Paris FC will be without winger Luca Koleosho as they prepare to host AS Monaco at the Stade Jean Bouin on Sunday afternoon. Koleosho, an Italy international who has been in fine form in recent weeks,...
Preview
The Women's First Team are back to Serie A action on Monday evening as they travel south to face Fiorentina.The Matchday 5 clash will take place at 20:30 CET on Monday, November 2.Let’s get up to sp...
Apple’s Secret iPhone 20 Plans Will Completely Rewrite the Smartphone Playbook
iPhone 20 redesign rumors point to a massive 20th-anniversary update in 2027. Apple might skip the iPhone 19 and introduce solid-state haptic buttons.
Opinion | Central Mass. program explores link between food, mental health
Just as the food we eat affects our physical health, it stands to reason that the nutrients and energy we get from food can have an impact on our mental well-being, too.
This brilliant budget 3D printer is the one I'd buy if I were getting into the hobby
Elegoo’s Centauri Carbon 2 makes easy four-colour printing affordable – and it's on sale for early Black Friday.
High street ‘slot farms’ could evade budget tax rise through bingo hall loophole
Hundreds of adult gaming centres in England have bingo licences that still qualify them for discounted business rates
Lakers vs. Raptors Preview: Bounce back game
The Lakers look to get back on the winning column against the Raptors on Sunday.
Talking Points: Awful Display Piles Pressure On Regis Le Bris
Could the ground that provided the backdrop for one of Regis Le Bris’s finest victories as Sunderland manager, also be the stage for his final act? There’s every chance. The talking points from another afternoon to forget.
It's here: 2027 Obamacare enrollment
Millions of Florida residents who purchase their insurance policies on healthcare.gov can begin shopping Sunday for coverage to take effect next year. Twelve companies will offer so-called Obamacare plans on the healthcare.gov marketplace, where subsidies are available to lower the costs of monthly premiums, the Florida Office of Insurance Regulation website shows. Another three are […]
Valkyries win WNBA championship 2 years into existence, beating Dream in Game 7
The Valkyries celebrated on their home court, making history in San Francisco.
8News’ Matt DiNardo serves up support for heart-healthy fundraiser at Tom Leonard’s in Richmond
Heart health was on the menu at Richmond’s Tom Leonard’s Saturday, where 8News chief meteorologist Matt DiNardo brought people together for a fundraiser supporting the American Heart As…
Sports media world absolutely baffled by Curt Cignetti’s timeout strategy
No. 4 Indiana escaped their matchup on Saturday against Minnesota with the win, but in true Halloween fashion, it came with quite a big scare. The game was tied 13–13 in the final minute of play with the Golden Gophers driving around midfield. After getting stopped on third down, Minnesota faced a decision to either…
How Daylight Saving Time affects your health
Yankees Trade Pitch Lands $288 Million Infielder in the Bronx
The New York Yankees can only bring so many bold trade proposals to fruition.But this doesn’t stop rumors from surfacing.In a recent New York trade pitch, an MLB writer sent a $288 million shortstop to the Bronx.Let’s take a look at his daring suggestion.Yankees Urged To Target Royals’ Bobby Witt Jr.When Anthony Ranaudo of FanSided […] The post Yankees Trade Pitch Lands $288 Million Infielder in the Bronx appeared first on HEAVY.
Nikola Jokic Has Simple Answer After Nuggets' Win Over Suns
Denver's star center did not need big numbers to run the show in Phoenix, and his teammates made the most of the looks he created.
Top Kennedy Center official urged closure due to financial problems, not poor conditions, lawyers argue
Eighteen months after President Donald Trump stepped in to remake the John F. Kennedy Center for the Performing Arts in his image, a top official worried about the Washington institution’s hemorrhaging finances urged for it to be shut down, according to court documents filed on behalf of the Ohio congresswoman seeking to stop the center from being shuttered.
The Elder Scrolls VI Reportedly Titled Sentinel, Set in Hammerfell
The Elder Scrolls VI might finally get its full name soon. According to The Verge's Tom Warren, Bethesda is preparing to announce the game as The Elder Scrolls VI: Sentinel, and the reveal could come as soon as November. Warren expects it to be a name reveal only, so a trailer, gameplay, or...
Businesses in North Carolina say robocalls won’t stop
One business owner in Raleigh says he sometimes get 40-50 calls a day.
Scientists use sound waves to deliver a new attack on deadly brain cancer
Scientists at the University of Virginia have developed a promising new strategy to fight glioblastoma, one of the deadliest and most difficult-to-treat forms of brain cancer. Their experimental approach combines focused ultrasound, tiny nanoparticles, and genetic molecules called microRNAs to attack multiple cancer-driving genes simultaneously.
Business Owners Have a Window. Most Aren't Ready to Use It. by Tully Ryan
I spend my working life on both sides of a business sale. As an M&A advisor based in Wilmington, I help lower middle market owners across North Carolina, South Carolina and Virginia sell what they've built. As the founder and CEO of IQExit, I work with the bankers, wealth advisors, CPAs and attorneys who sit beside those owners for years before a sale ever comes up. From both seats, I keep seeing the same thing. The market is ready for our owners. Too many of our owners aren't ready for the market. Start with our own backyard. Wilmington's metro area added more than 12,000 residents between July 2024 and July 2025, a 2.6% jump that ranked seventh in the country. It also posted the highest job growth rate of any metro in North Carolina. I see the same pattern in the growth markets I work in across the Southeast. New residents mean new customers and new workers. They also mean new buyers: people who moved here from corporate jobs and want to own something, private equity groups looking for add-ons in HVAC, electrical, landscaping and other trade services, and younger entrepreneurs who would rather buy a running business than start one from scratch. The ownership numbers are hard to ignore. About half of North Carolina's small businesses have an owner who is 55 or older, and roughly 85% of those owners have no succession plan, according to the North Carolina Employee Ownership Center. Nationally, more than half of Baby Boomer business owners have no documented transition plan. That isn't a crisis yet. It's a timing problem. A lot of businesses will change hands over the next decade, and the prepared ones will get the better buyers and the better terms. Buyers have money and they're using it. But an active market doesn't mean a fast one. The IBBA's latest Market Pulse survey found that Main Street deals took six to 10 months from engagement to close in the second quarter, and lower middle market deals took 11 to 12 months. That clock starts after the owner decides to sell. In my experience, the real preparation has to start years before. Two clocks, two playbooks When I sit down with an owner or their advisor, my first question isn't “What's it worth?” It's “When?” The answer puts the owner in one of two groups. If the owner wants out within 24 months, we're in execution mode. There's no time to rebuild the business. The work is cleaning up what a buyer will test: three years of financials that tie to the tax returns, an add-back schedule you can prove, customer and vendor contracts in writing, a lease that can be assigned, and a price the market will actually pay. The goal is certainty to close. If the exit is two to five years away, the owner has something worth more than time. They have choices. That window is where most value gets built, and most owners waste it by waiting. What kills deals In the lower middle market, deals rarely die over the headline price. They die in diligence, or they get retraded late in the process. I see the same causes again and again. The owner is the business. If every key customer relationship runs through the owner's cell phone, a buyer sees risk and a lender sees more of it. The books don't hold up. Buyers spot weak accounting fast. Statements that get revised mid-process, a revolving door in the bookkeeper's chair, revenue tracked on a side spreadsheet, and margins that slip while sales climb with no clear reason all make a buyer nervous. So does an owner who pushes back when asked for documents. And plenty of private owners run personal expenses through the company. Add-backs are normal. Add-backs you can't document turn into a lower offer. The real estate isn't sorted out. Many owners hold their building in a separate LLC. That's fine, but the lease terms or the property sale should be settled before a buyer shows up, not halfway through diligence. Revenue sits in too few hands. Picture a contractor with 40% of its work coming from one builder, or a service company running on handshake deals. Buyers will still look, but the terms shift toward more seller financing, an earnout, or less cash at closing. Owners and advisors: if your exit is three to five years out • Get a baseline now. Find out where the business really stands today: what a buyer would pay, who that buyer is likely to be, and which gaps would hurt you in diligence. You can't fix what you haven't measured, and the answer is often different from what the owner expects. • Make yourself less necessary. Spend the next few years building a manager or small team that can run daily operations and own customer relationships. Put handshake deals into written contracts. A business that runs without its owner is worth more and is far easier to finance. • Clean the books for three straight years. Buyers and lenders look back at least three years. Separate personal expenses, keep the financials tied to the tax returns, track every add-back as you go, and settle the real estate plan early. A word to CPAs CPAs often see a sale coming before anyone else, and you're usually the most trusted voice an owner has. Year-end meetings are the right time to start this conversation. Here's what I'd ask every CPA to do this season with business owner clients over 55: • Ask the timing question. “Do you see yourself owning this business in five years? If not, who takes it over?” Write down the answer and bring it up again at next year's meeting. • Run a proof of cash and review revenue recognition. Make sure the cash in the bank ties to the revenue on the books. Pay close attention to contractors with work in progress and to companies selling memberships or service plans. These issues are easy to fix with years of lead time and painful to fix a month before closing. • Pair the tax return with an exit readiness review. Invite clients to complete IQExit's Exit Readiness Intelligence (ERI) process as part of year-end planning. It gives you and the client a shared picture of readiness gaps and an indicative value range, and the results come back to you as the advisor. That turns a tax meeting into a planning relationship, and it puts you in position to bring in tax and M&A help early, when choices like purchase price allocation can still save the client real money. Changing the conversation For bankers, wealth advisors and attorneys, the hard part is raising the subject without seeming to nudge a client toward the door. I understand that. Nobody wants to tell a 60-year-old owner it's time to sell. So don't. Ask a different question: “If a buyer called tomorrow, what would they find?” That's a planning question, not a pitch, and it's useful whether the exit is two years out or 15. It's the question we built IQExit to help advisors answer. Whether you're in Wilmington, Raleigh, Charleston, Richmond or anywhere else, owners have a real opening right now. The buyers are out there and so is the capital. The owners who come out ahead will be the ones who start getting ready before they're ready to sell.
The Best Time to Fix Your Business Is When Things Are Going Well by Nathan Tayloe
There's a pattern I've noticed working with growing businesses over the years. Conversations about what needs to change rarely happen when things are going well. They tend to happen when growth slows, a competitor starts winning business, or something that used to work stops producing the same results. By then, the decisions are often harder, more expensive, and more urgent than they needed to be. It's understandable. When revenue is growing, customers are coming in, and employees are busy, there's little incentive to question what's working. Leaders have plenty to manage without creating new challenges for themselves. Running my own business has taught me that it's easy to get caught up in what's happening today and put off improvements you know will matter tomorrow. Those periods of success may actually be the best opportunity a business has to make meaningful improvements. When Success Makes Change Less Urgent Most businesses have things they know could be better. The challenge is finding a compelling reason to address them when everything appears to be working. Maybe the company has outgrown its original positioning. Perhaps internal processes haven't kept pace with growth, or the customer experience has become inconsistent as the organization has expanded. These issues don't necessarily prevent a business from growing. Strong demand can make them easier to overlook, especially when teams are focused on keeping up with the work already coming in. Over time, small inefficiencies become accepted ways of operating. Outdated processes remain in place because they've always worked well enough, and opportunities to improve get pushed aside in favor of more immediate demands. The business continues moving forward, but some of the things supporting that growth aren't getting stronger along with it. The Advantage of Acting Early When a business is performing well, leadership has something valuable: options. There's more flexibility to invest, experiment, develop people, and make thoughtful decisions without the pressure of an immediate problem that needs solving. Compare that with trying to make the same changes when revenue is declining, or the market has shifted. Investments become harder to justify, timelines get compressed, and decisions that could have been made strategically become urgent responses to circumstances. I've seen businesses postpone improvements for years because there was never a particularly good time to address them. Eventually, circumstances decide for them, often when they have fewer resources and less flexibility to respond. Growth Changes What a Business Needs This is especially relevant in a growing market like Wilmington, where new businesses, new residents, and continued investment are creating opportunities across the region. As organizations grow, the expectations placed on them change. Customers expect greater consistency, employees need clearer processes and opportunities, and leadership has to make decisions that support a larger, more complex business. What worked when a company was smaller may still work today, but that doesn't necessarily mean it will support where the organization wants to go next. Sometimes the most valuable improvements are the ones that prepare a business for demands it hasn't experienced yet. That might mean: Strengthening internal processes before they become bottlenecks Developing leaders before the organization depends on them Improving the customer experience before inconsistencies affect retention Revisiting positioning before the market outgrows the company's story None of these changes requires a crisis. They require recognizing that a growing business needs to keep evolving, even when current performance gives leadership little reason to worry. Use the Good Years Wisely Successful businesses don't need to constantly reinvent themselves. There's value in knowing what works and having the discipline to build on it. There's also value in occasionally asking whether the business is as strong as its current performance suggests. Are there problems we've learned to work around instead of solving? Are we still operating the way we did several years ago, even though the business has changed? What would we improve today if we weren't waiting for something to go wrong? Success creates the freedom to ask those questions and act on the answers. The businesses that make the most of that opportunity are often better prepared for whatever comes next. The strongest businesses don't need a crisis to recognize an opportunity to improve. They use the good years to prepare for the years ahead. — Learn more about how we help organizations strengthen their positioning, align their strategy, and prepare for what's next at tayloegray.com, or reach out directly at nathan@tayloegray.com.
An AI Called LUMINA Is Being Taught to Pick Safe Landing Sites on the Moon
Ohio State researchers unveiled LUMINA, an AI framework meant to help planners choose safe, resource-rich Moon landing sites, with Mars as a possible later target.