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USA Health and UnitedHealthcare agree to extend contract negotiations
USA Health says without a new agreement, members of UnitedHealthcare’s commercial and Medicare Advantage plans will be out-of-network at all USA Health hospitals.
Night out turns violent as gunfire erupts outside La Cantera-area business
KABB Fox News 29 San Antonio provides local news, weather forecasts, traffic updates, investigations, notices of events and items of interest in the community, sports and entertainment programming for San Antonio and nearby towns and communities in South Central Texas, including Bandera, Boerne, Carrizo Springs, Castroville, Cibolo, Converse, Crystal City, Cuero, Del Rio, Devine, Eagle Pass, Floresville, Fredericksburg, Goliad, Helotes, Hondo, Kerrville, Live Oak, New Braunfels, Pearsall, Pleasanton, Poteet, Poth, Sabinal, San Marcos, Seguin, Schertz, Somerset, Universal City, Uvalde, Windcrest.
Night out turns violent as gunfire erupts outside La Cantera-area business
WOAI NBC News Channel 4 San Antonio provides local news, weather forecasts, traffic updates, investigations, and items of interest in the community, sports and entertainment programming for San Antonio and nearby towns and communities in South Central Texas, including Windcrest, Uvalde, Universal City, Somerset, Seguin, Schertz, San Marcos, Sabinal, Poth, Poteet, Pleasanton, Pearsall, New Braunfels, Live Oak, Kerrville, Hondo, Helotes, Goliad, Fredericksburg, Floresville, Eagle Pass, Devine, Del Rio, Cuero, Crystal City, Converse, Cibolo, Castroville, Carrizo Springs, Boerne, Bandera.
UVA professor explores how to bridge deep political divides in new book
In a time of intense political division, a University of Virginia researcher says the secret to better conversations isn’t winning an argument or even finding common ground, it’s genuine curiosity.
I dug through Microsoft's October 2026 Windows 11 previews and found 12+ features actually worth knowing about
Windows 11 previews add a customizable context menu, browser-free speed tests, better privacy controls, and new accessibility features during the month of October.
Jamie Raskin: Alaska’s Dan Sullivan ballot issue is ‘stupid politics,’ but ‘it does happen’
In an exclusive interview with Meet the Press, Rep. Jamie Raskin (D-Md.) reacts to reporting that Alaska Democratic Senate candidate Mary Peltola’s aides allegedly instructed a staffer to recruit multiple candidates named “Dan Sullivan,” which Raskin calls "ridiculous politics.”
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.
Georgia’s Kirby Smart Raises Major Concern After Win Over Florida
Kirby Smart was asked in his postgame news conference at Mercedes-Benz Stadium on Saturday if the injury toll across the SEC this season feels different, and his answer reached well past the injury report. The question followed the No. 3 Georgia Bulldogs’ 27-8 win over the No. 17 Florida Gators, a rivalry game played in […] The post Georgia’s Kirby Smart Raises Major Concern After Win Over Florida appeared first on Gridiron Heroics.
Green Party at a "crossroads", says former co-leader Adrian Ramsay
Adrian Ramsay suggested the party needs to focus on its "core values", including environmental issues.
Director calls Broadway revival of ‘In the Heights’ at NY City Center a ‘balm for these times’
David Mendizábal is directing a revival of Lin-Manuel Miranda’s "In the Heights," a musical that was Mendizábal's introduction to theater | KCBS All News 106.9FM and 740AM
Colorado has become a hotbed of democracy innovation
We’re just two days from the midterms and a very consequential vote for both Colorado and the country. But don’t expect the midterms to fix everything that is roiling Colorado politics and democracy in general. No matter how the vote turns out Tuesday, there are deep structural issues that still need to be addressed, said […]
Poll: Voters demand change and a check on Trump, fueling a steep Democratic midterm advantage
Trump’s disapproval rating hits a record high of 60% in a new national NBC News poll, and Democrats have a 7-point lead in the battle for Congress ahead of Tuesday’s elections.
Witches, Costumes and a Haunted Carnival Take Over Stangl Road in Flemington
FLEMINGTON, NJ — “Double, double toil and trouble…”A little magic, plenty of Halloween spirit and more than a few witches filled Stangl Road Friday evening as the fifth annual Stangl Witch Walk...
Villanova Wildcats vs Notre Dame Fighting Irish: Game Chat
Join us for an Eternal City Tip-Off to the college basketball season
Fishing for a Senate Seat in Alaska
Whether Democratic candidate Mary Peltola’s brand of fish-focused local politics succeeds in November will reveal how individual candidates can distinguish themselves from national party platforms.
Florida could drop four childhood vaccine requirements before DeSantis leaves office
Florida could eliminate four vaccine requirements for children in schools and daycare centers before Gov. Ron DeSantis leaves office Jan. 5.
Georgia football reacts to emotional win over Florida
The Georgia Bulldogs took care of it's rival on Halloween day. The Bulldogs react after coming out on top 27-8
Michael Douglas says Catherine Zeta-Jones didn’t have ‘veto power’ over memoir
Michael Douglas’ wife Catherine Zeta-Jones did not weigh in on the content in his ‘One Helluva Ride’ memoir, which was published earlier this month.
DiCastro's Brick Oven in Rome to close
DiCastro's Brick Oven Restaurant will close its doors at the end of the month after 16 years of slinging pizzas along Erie Boulevard West in Rome, according to owners Jim and Lisa DiCastro.
Contribute to science by observing birds on Mount Royal: Les Amis de la montagne
From Black-capped Chickadees and American Goldfinches to House Finches, each observation offers an opportunity to deepen our understanding of Mount Royal’s biodiversity. This winter, Les Amis de la montagne invites
Indiana men’s basketball 2026-27 player preview: Samet Yigitoglu
Indiana needed more size and center and signed one of the biggest players available in the transfer portal.
FULL SHOW: Inside INdiana Business 11/1/26
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Adirondack Council report examines political, social, environmental forces shaping park
The State of the Park Report praises conservation efforts and criticizes federal rollbacks of environmental protections.
Pennsylvania Health Plans Must Cover Colon Cancer Screening at 45
A new Pennsylvania law requires state-regulated health plans to cover colon cancer screenings at no cost from age 45, including…
The Top 20 Most Played Steam Deck Games of October 2026
The top 20 most played Steam Deck games of October 2026 is here, and it's crazy seeing Final Fantasy Resonance and Castlevania: Belmont's Curse so high up.
Be Well ACA Open Enrollment
Pages from the U.S. Affordable Care Act health insurance website healthcare.gov are seen on a computer screen in Williamsburg, Va., Oct. 31, 2026. (AP Photo/Wayne Partlow)
Fashion and tradition: how John Smedley is innovating in a tough market
In the final article in a series on high-end British manufacturing we look at a clothing brand that dates to the 18th century but is increasingly on-trend
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.
Who's enforcing the rules on billions in political spending?
Super PACs can spend unlimited amounts of money to influence elections, but they’re prohibited from coordinating that spending with candidates’ campaigns. In the fourth episode of Follow the Money, we examine how campaigns and outside groups navigate those rules, the controversial practice known as redboxing, and why vacancies and staffing shortages at the Federal Election Commission have raised serious questions about oversight of political spending.
Open HD 100 race tests GOP strength in coastal Broward without Chip LaMarca
Republicans hold a clear registration advantage, but the open-seat race will test how much of Chip LaMarca’s strength belongs only to him.
Spoiler candidate, Cheesecake Factory and sibling rivalry: Recounting the many late 2026 midterm sideshows
The final stages of the campaign have been chock full of October surprises — and some of it has been rather silly and even corrosive.
Australian public servants demand AI safeguards as politicians eye staff savings
One Nation’s Barnaby Joyce wants retiring public servants replaced with AI.
10 Vinyl Records From the ‘70s That Are Worth a Small Fortune
Many popular records from music industry giants of the 1970s, from the Sex Pistols to Bob Marley, have skyrocketed in value among vintage vinyl collectors.
Both parties tried to game Alaska primary field
The Democrat running for Senate, Mary Peltola, is accused of recruiting a spoiler candidate, but Republicans have also boosted spoilers.
Webb and Hubble telescopes watch ghostly objects appear in the Cat's Head Nebula — Space photo of the week
The Cat's Head Nebula shows its ghostly insides and sinister red eye in rival views from the Hubble and James Webb space telescopes.
Charles County Health Officials Report Early Flu Season, Urge Shots Before Holidays
LA PLATA, Md. — With flu cases already showing up in Charles County and holiday gatherings approaching, health officials are encouraging residents to get vaccinated before the season picks up. Residents can get a flu shot during weekday walk-in hours at the Charles County Department of Health, with another opportunity coming Saturday, Nov. 7, at […]
Trump Accounts: What parents need to know about automatic enrollment, $1,000 seed money and activation
Your child may be enrolled in a “Trump Account” whether you realize it or not
BYU, Utah take care of business, setting stage for huge rivalry showdown
The Utes rolled past the Bearcats on the road, while the Cougars held on against the pesky Sun Devils
Capital Region sees increase in solo manufacturers
The Capital Region saw its biggest increase in solo manufacturers in more than a decade in 2024, the latest year for which data is available.
Apollo is bringing its private-equity operating playbook to nonprofits
The private equity giant just hosted its biennial Apollo Opportunity Foundation summit for nonprofit leaders.
“Most Passionless Head Coach at Michigan Ever”: Fans Sick of Kyle Whittingham After Comments About Upcoming Michigan State Rivalry Game
Kyle Whittingham’s Michigan Wolverines beat Rutgers 28-21 this week. With the victory, the Wolverines improved to 5-3 this season and will face the Michigan State Spartans next Saturday in Ann Arbor.
“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.
Defeat after injury scare
Narrow 1-0 loss to leaders Sturm Graz FC Red Bull Salzburg Women 0-1 SK Sturm Graz (H/T:0-0). Goal: Pulins (46')A collision just moments into the match necessitated the arrival of emergency medical s...
Once upon a time: Festival shines a light on the art of storytelling
The inaugural Canopy Oaks Storytelling Festival will offer interactive programming for all ages that explores themes of history, heroism and hope.
Unaffiliated voters are the fastest-growing group in Pennsylvania. They can decide who controls Congress.
Roughly 78,000 Pennsylvanians have registered as unaffiliated in the last 12 months. These voters will wield huge power in Tuesday's election.
Can odors from our bodies signal Alzheimer’s, cancer and other diseases?
For years, scientists have explored how the molecules that waft from our breath or skin might be harnessed to sniff out a variety of ailments. Advancements are turning that potential into reality.
Yankees news: New York cleans house, sort of
Yankees part with Minaya, Sabean; Big expectations for Jones and Lombard in 2027; Ashby’s postseason rivals that of Yankees greats.
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.’
Belarus Holding At Least 22 Political Prisoners In Psychiatric Hospitals, Rights Groups Say
At least 22 people in Belarus recognized as political prisoners by rights defenders face indefinite confinement inside secretive psychiatric hospitals. Cut off from amnesties and pardons, rights defenders warn that these individuals have effectively vanished into a legal "black zone."
Marquez wins in Malaysia to extend MotoGP lead
Reigning champion Marc Marquez takes a 44-point lead over title rival Jorge Martin by winning the Malaysian Grand Prix.
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.
Industry Focus
Nevada legal executives examine AI integration, attorney recruitment, support staff shortages, the new Nevada Plan licensing model, and commercial dispute resolution.
Balancing Risk and Rate
Explore the shifting commercial insurance market in Nevada, from rising commercial auto rates and SB 317 workers' comp changes to cyber risk underwriting.
Entitlements
Learn how Nevada developers and city planners in Las Vegas, Henderson, North Las Vegas, and Reno navigate commercial entitlements and permitting hurdles.
Nevada Business Indicators: November 2026
Key late-2026 Nevada economic indicators reveal post-pandemic low unemployment rates of 4.8%, robust taxable sales surges, and mixed regional tourism data.
What Are You Thankful For?
Nevada leaders from Liberty Dogs, Create Credit Union, Grand Canyon Resort Corporation, and Travelzoo share what they are most thankful for this season.
WNBA championship: Gabby Williams leads Golden State Valkyries to first title in second season, beating Atlanta Dream 68-63 in Game 7
Gabby Williams scored her teams final 11 points of the third quarter and dazzled through the fourth on the way to 30 points as the Golden State Valkyries captured the WNBA championship in just their second season.
Gabby Williams writes herself into Bay Area sports history powering Valkyries' Game 7 win
Gabby Williams did not merely step up in Game 7 for the Golden State Valkyries, her 30 points and elite defense sustained Joe Lacob calling her the "best player in the world."
Eagles elevate running back, linebacker, downgrade cornerback for Commanders clash
The Philadelphia Eagles made a few final roster moves ahead of their Sunday Night Football clash with the Washington Commanders , adding depth at running back and linebacker while losing another cornerback. Philadelphia elevated running back Elijah Mitchell and linebacker Mason Reiger from the practice squad, according to ESPN’s Adam Schefter . […] The post Eagles elevate running back, linebacker, downgrade cornerback for Commanders clash appeared first on ClutchPoints.
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.
Ivan Ramiro
Five foot eight. Hardly the ideal height for a centre-back. But Ivan Ramiro Cordoba always managed to reach what others couldn't.1 November 2008. Reggina host Inter at the Stadio Granillo on Matchday ...
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
Flathead Business Watercooler
Events happening related to business in the Flathead Valley
Fallout 5 Setting Officially Confirmed In New Teaser
Fallout 5 will be more familiar to fans than originally thought.
Health impact of Daylight Saving Time
Dr. Rohan Bhandari, a Cardiologist at St. David's Heart Hospital of Austin, discusses the health impact of Daylight Saving Time and the value of quality sleep.
Privacy and Data Governance in Healthcare: What the Industry Needs To Know - Florida Hospital News and Healthcare Report
By Sabina Kotelnik Personal health information (PHI) is among the most sensitive data an organization can hold. Details about preexisting medical conditions, treatment plans, payment information, and other data points […]
Baptist Health Palliative Medicine Program Helps Cancer Patients, Families at Every Stage of Treatment - Florida Hospital News and Healthcare Report
By Vanessa Orr Siglinda Flores, APRN, Baptist Health South Florida, has always felt that palliative care was her calling. As a person who cares for patients who are being treated […]
Baptist Health Heart & Vascular Care Is Changing the Landscape of Medicine with Robotic Cardiac Surgery - Florida Hospital News and Healthcare Report
For decades, heart surgery often meant a large incision, opening the breastbone and a lengthy recovery. Today, robotic-assisted surgery is helping reshape that experience, allowing highly trained surgeons to perform […]
Bridging Education and Industry: A Shared Responsibility for Healthcare Workforce Readiness in the Digital Age - Florida Hospital News and Healthcare Report
By Cristina Bermudez, DHSc, MBA The healthcare industry continues to experience significant transformation driven by the growing integration of artificial intelligence (AI), health informatics, and emerging digital technologies. Innovations such […]
Holy Cross Health Launches “Flavor for Life” Program to Help Prevent Diabetes Through Food as Medicine - Florida Hospital News and Healthcare Report
By Kristen Schroeder-Brown Holy Cross Health is taking an innovative approach to diabetes prevention by helping participants improve their health one grocery bag at a time. Through its Healthy Living […]
Inde Navarrette skewers Shane Gillis' sexist joke in 'SNL' monologue
"Obsession" horror star Inde Navarrette brought some fresh blood to an existing "Saturday Night Live" wound on Halloween, taking a pointed swipe at recent host Shane Gillis' controversial joke about
Sarah Talebagha, MD, Joins Baptist Health Heart & Vascular Care - Florida Hospital News and Healthcare Report
Vascular surgeon Sarah Talebagha, M.D., has joined Baptist Health Miami Cardiac & Vascular Institute, part of Baptist Health Heart & Vascular Care. Before joining Baptist Health, Dr. Talebagha practiced with […]
Trump’s next Iran move? Strikes loom after Netanyahu’s win and US midterms
Analysts expect an escalation in the nine-month war even as political dynamics in both Israel and the US evolve.
Things to do in Cincy this week
If you're looking for the best events happening in Cincinnati, you're at the right place. Find your next concert, game, festival or family event.
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 […]
Most Michigan voters haven't seen roads improve under Whitmer
Gretchen Whitmer has the highest approval rating for an outgoing Michigan governor in decades. But most voters haven't seen road conditions improve.
Borthwick: I know vast majority of my picks
>Continued from front is a real bonus in those players and the other aspect is having quality character. You want good men that are going to be selfless and help the team and are then able to step in and do the job.” That positional flexibility could be good news for the likes of Joe […] The post Borthwick: I know vast majority of my picks appeared first on The Rugby Paper .
December return for Van Rensburg
BRISTOL Bears boss Pat Lam says England centre Benhard Janse van Rensburg will return to match action in December to give him sufficient time to recover after suffering two serious head injuries in the space of three months. The 29-year-old, below, was stretchered off after being knocked unconscious trying to tackle Henry Pollock in the […] The post December return for Van Rensburg appeared first on The Rugby Paper .
“SNL ”recap: Host Inde Navarrette takes shot at Shane Gillis’ controversial monologue in Halloween episode
Tom Hanks returns as David S. Pumpkins!
‘SNL’ recap: ‘Obsession’ star Inde Navarrette hosts Halloween episode
‘Obsession’ star Inde Navarrette hosts ‘Saturday Night Live’ for the first time on Halloween, with musical guest Gracie Abrams. Read EW’s recap.
No. 7 UCLA turns Rose Bowl into House of Horrors in monstrous win over Nevada
Halloween is the one time of year when everyone’s worst nightmares are laid bare. For Nevada quarterback Luke Duncan, that nightmare took the form of the No. 7 UCLA Bruins’ defense, which terrorized the senior caller all afternoon — picking him off three times in a dominant 27-0 victory at the Rose Bowl on Saturday.
Broncos Have A Serious Advantage Hasn’t Been Discussed Much
The Denver Broncos have excellent special teams, and the Chiefs are a little shaky there right now.
U.S. Department of Education demands changes to Illinois school mental health screening plan
The Department of Education raisse parental consent and privacy concerns over mental health screening plans.
Golden State Valkyries defeat Atlanta Dream for franchise’s first WNBA title
The Valkyries won 68 to 63 in Game 7, clinching their first championship on the road.
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.
Indy’s first designated outdoor refreshment area debuts at Irvington Halloween Festival
INDIANAPOLIS — For the first time, people attending the Irvington Halloween Festival can buy a drink at a bar and enjoy it outdoors, thanks to Indianapolis’ first designated outdoor refreshment area. The city approved the DORA, which launched in October. The program gives festivalgoers another way to enjoy the event and creates more opportunities for […]
Southside business owners raise safety concerns after woman shot during Atlantic Boulevard gathering
A shooting that injured a woman early Saturday morning has renewed concerns among Southside business owners who say large late-night gatherings along Atlantic Boulevard have become a recurring problem.
Covered California open enrollment starts Nov. 1
Covered California's open enrollment for 2027 health insurance begins Nov. 1, offering Californians the chance to review and adjust their coverage.
Kyle Whittingham Ranks Michigan State Among Michigan’s Rivals
Michigan coach Kyle Whittingham reveals where Michigan State ranks among the Wolverines' rivalries and shares his thoughts on Pat Fitzgerald.
Howard County issues health alert after 33,000-gallon sewage spill in Savage
Howard County issued a precautionary health alert after a 33,000-gallon sewage spill in Savage on Friday.
Canelo Alvarez has plenty of big boxing nights left — his performance against Christian M'billi proved it
Heading into Saturday night's main event in Riyadh, Saudi Arabia, and live on DAZN PPV, questions swi...
Sunday Preview – The Khazalite Holds prepare to march out
See what’s available for pre-order next week, including a wealth of Warhammer Age of Sigmar miniatures.
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.