Charles Musgrove - Podcast Details

Shows

Persuasion by Jane Austen Persuasion 3. | The Captain's ReturnAnne enjoys the refreshing company of her new friends, whilst observing her sister and her husband, Charles’ somewhat disorderly domesticity and, as usual, being overlooked other than to assist in resolving disputes. The dashing Captain Wentworth arrives to visit his sister, the new tenant of Kellynch Hall, resulting in he and Anne meeting for the first time since the dissolution of their engagement. How does his renewed presence impact Anne – and is the love they once shared truly extinguished? Can he ever forgive her for the events of eight years prior?This episode covers chapters 6 and 7 of Jane...

2024-04-2849 min

Answers That Count - Hosted By Charles Musgrove Shocking Economic Q4 Numbers#inflation #economics #trouble https://answersthatcount.com Check out the video here: https://youtu.be/-1U7bYFZAGU Inflation still rampant, along with lower than predicted employment numbers, doesn’t bode well for Q4

2021-11-1628 min

Answers That Count - Hosted By Charles Musgrove Neuroscience Secrets in the Consumer ExperienceDr. Melissa Hughes is back with nuggets about how the brain works and how the knowledge can help with marketing, negotiations and just everyday communications. https://answersthatcount.com/ Check out the video here: https://youtu.be/iBFzXZ1aiuo Why do we like what we like? Does numeric content impact decisions? These and many other neuroscience information that is beneficial for marketing and deal making. Check out this Podcast with Dr. Melissa Hughes. Charles: Hello and welcome back, everyone, to the Answers That Count Podcast. I’m your host, Charles, Musgrove, and thank you so...

2021-11-0931 min

Answers That Count - Hosted By Charles Musgrove Why is GDP and Inflation 2X “Normal”?#inflation #GDP #economy https://answersthatcount.com Professor Joe breaks down the complicated numbers and technical jargon to give us plain speak economic news. Check out the video version here https://youtu.be/IpiH7nsUOQ4.

2021-11-0224 min

Answers That Count - Hosted By Charles Musgrove What‘s Happening in Economic See Saw? Update from FSU Professor Joe Calhoun#finance #inflation #interestrates https://answersthatcount.com Professor Joe provides an update on what is going on in the economy, from inflation to unemployment. Check out the video here https://youtu.be/Q1MEIKH5D1A.

2021-10-2628 min

Answers That Count - Hosted By Charles Musgrove Chairman Powell and Economic Update!#chairmanpowell #economics #inflation #fedrate In this episode, Professor Joe Calhoun discusses the current state of the economy. He describes the role of the Fed Chairman and how Chairman Powell has to speak with caution, which sometimes seems like he is speaking in code. What if inflation gets to hot? What will happen to the consumer of the Fed raises rates? How will the Federal Government service the national debt if rates rise? Will a rise in rates effect pressure to raise tax rates? Check out this episode as we talk about these topics and more! ...

2021-07-2227 min

Answers That Count - Hosted By Charles Musgrove Higher Pay Beyond Minimum Wage Coming For ServersIn this episode, we have Tim Ligon, Partner with SeatonHill, a national outsourced CFO company. Tim has vast experience as CFO for national restaurant franchise brands. Tim's experience is the backdrop for his recommendations on how to prepare for the rising wages and costs in the industry. Tune in for tips about restaurant management. Tim Ligon of SeatonHill on Answers That Count with Charles Musgrove. Covering the commission model that is proving valuable to restaurants and servers. C: Hello! I am Charles Musgrove, host of the Answers That Count podcast. Thank you for jo...

2021-07-1726 min

Answers That Count - Hosted By Charles Musgrove Is it the End of the Tipping Model for Restaurants? Commission Model the Future?#frla #answersthatcount #foodtech The topic of how to manage the $15 minimum wage increase was the headliner at the June Board Meeting of the FRLA. Carol Dover, CEO of FRLA, kicks off the session with a reminder of the narrow margin that Amendment 2 was passed in November 2020. Now is the time for action to stop the slide down the slippery slope of regulations and cost increases. In this session, the experts are employment attorney, Kevin Johnson, Mike Vinik with BJ's Restaurants and Chad Mackay, CEO of Fire & Vine Hospitality. Chad's group of restaurants are located in...

2021-07-151h 05

Tea With Claudia & B ☕️ Dear Charles Musgrove…☕️✨ This week we write to Charles, who went for his second choice in marriage after Anne refused him. We feel a bit sorry for him-he seems like such a good natured fellow! ✨ https://linktr.ee/TeaWithClaudiaAndB --- Send in a voice message: https://podcasters.spotify.com/pod/show/theclaudiaandbshow/message Support this podcast: https://podcasters.spotify.com/pod/show/theclaudiaandbshow/support

2021-07-1503 min

Answers That Count - Hosted By Charles Musgrove Manage the Change that is Coming in the Restaurant Industry!#restaurants #minimumwage #answersthatcount #capserv360 In this episode, we highlight sections of previous podcasts featuring restaurant industry leaders. This podcast covers topics that are relevant today for owners and operators to consider and suggestions made from owners of restaurants in Florida, Washington and Oregon. Comments about the focus of technology is also included in this highlight podcast.

2021-07-0919 min

Answers That Count - Hosted By Charles Musgrove What does Inflation Really Mean?#inflation #nfp #economy #indicators #answersthatcount https://answersthatcount.com Answers that Count with Professor Joe Calhoun In this video Professor Joe describes what the latest economic news on inflation means to your wallet. Highest indicators in 13 years sounds like we are in the middle of high inflation and economic problems. Is this true? Professor describes the fundamentals of economics and what that means today in light of the inflation indicators. Check out the video for information that will help you understand the flood of economic data that you see in the news.

2021-07-0825 min

Answers That Count - Hosted By Charles Musgrove How are Unemployment Figures Compiled?#unemployment #employment #answers #answersthatcount Join Professor Joe Calhoun and Charles on Answers That Count Joe Calhoun: Hey, great to be with you! Always a pleasure, Charles. Awesome. Not only are you a professor, you’re an economics professor, so - and we’re going to talk about one of our favorite subjects. We’re going to talk about economics. And what - what are we looking at in the news today? So, there’s a couple of points that we’re reading about, we’re seeing, and we’re actually feeling it in our pocket books. So, let...

2021-06-0729 min

Answers That Count - Hosted By Charles Musgrove How to Protect The Vulnerable such as in Nursing Homes#vulnerable #nursinghome #legal https://www.toomuchatstake.com Mr. LeBoeuf is AV® Rated by Martindale-Hubbell®, the highest lawyer rating available based upon confidential reviews by local lawyers and judges. He has been named by Florida Trend Magazine as one of Florida’s Legal Elite (among the top 1.8 percent of attorneys in the state of Florida). Law & Politics Magazine has also repeatedly recognized him as a Super Lawyer among the top five percent of attorneys in the state, using peer review balloting and a blue ribbon panel as its selection process.

2021-06-0724 min

Answers That Count - Hosted By Charles Musgrove How to Find the Right Attorney#attorney #answersthatcount #brooksleboeuf Dean R. LeBoeuf is the managing partner of the Brooks | LeBoeuf law firm. He focuses his practice on complicated civil litigation involving personal injury and all wrongful death matters, including accidents involving negligent motor vehicle drivers, medical malpractice cases, nursing home abuse, and neglect cases. In this Podcast we discuss how to select an attorney for representation. Getting this right, could be the most important decision you make about your representation and could have the biggest impact on the outcome of your case.

2021-05-1420 min

Answers That Count - Hosted By Charles Musgrove Investment Options for Military Personnel#military #investment #answersthatcount #bayviewprivatewealth Mark Dutram with Bayview Private Wealth talks about the unique challenges of providing investment options for military personnel, both active and retired. His firm specializes in providing plans that a customized for each military family. This focus is founded on his military service and seeing first hand the need to help military personnel. Once he began his professional career, he was able to fulfill the need he saw years earlier during active duty service. Thank you Mark for your service and for creating a special niche in your firm to meet t...

2021-05-1325 min

Answers That Count - Hosted By Charles Musgrove How to use Technology to Attract Employees#technology #minimumwage #frla #answersthatcount Dan Murdoch an executive with Harri (https://harri.com/) a technology solutions provider for the hospitality industry. Dan provides solutions to restaurants across the entire USA including QSRs and FSRs. He has seen the struggles challenging the industry from wage increase, employee shortage, COVID and just the normal challenges of managing a restaurant. When he talks about the role technology plays, he speaks from experience. He has seen how it can be a difference maker in a businesses' success or failure. Dan provides great insight in this Podcast about the technology solutions that...

2021-05-1147 min

Answers That Count - Hosted By Charles Musgrove Often Overlooked - Women Investors Bayview Private Wealth#women #investor #insight Great insight into women investors and various choices available at Bayview Private Wealth - Securities offered by Registered Representatives through Private Client Services, member FINRA/SIPC. Advisory products and services offered by Investment Advisory Representatives through RFG Advisory, a Registered Investment Advisor. RFG Advisory, BayView Private Wealth, and Private Client Services are unaffiliated entities. Destin Florida

2021-05-0526 min

Answers That Count - Hosted By Charles Musgrove Restaurants Plan Incentives Ahead of $15 Minimum Wage IncreasesFederal law requires employees earn at least the federal minimum wage, or the higher state or local number in 28 states and 55 municipalities. If the combination of the base wage and earned tips does not total the required minimum wage, the employer must pay the tipped employee more to make up the difference. Sunil Dharod, who owns 124 restaurants across four states, including Applebee’s locations, Sonic Drive-In stores and the Roy’s fusion chain, said he expected higher wages would lead to menu price increases and reduced service. In this podcast, Professor Joe Calhoun talks about how incentives drive behavior. He r...

2021-04-2825 min

Answers That Count - Hosted By Charles Musgrove What $15 Min Wage Hikes Mean to Restaurants#minimumwage #restaurants ##FRLA https://frla.org/ In this podcast we discuss changes that restaurants should consider when adjusting to the cost increases from the rising minimum wage. John talks about positive experience he has had going from counter service and no tipped wages to full-service and tipped compensation model for his wait staff. Check out this episode to learn about what you should consider when adapting to the minimum wage increases. A veteran of Manatee County’s hospitality industry for nearly 40 years, John Horne began his career working summers at Fast Eddie’s Place while comp...

2021-04-2242 min

Answers That Count - Hosted By Charles Musgrove Investing with a Plan!#investing #indexing #wealth #invest #answers https://www.bayviewwealth.com Mark has more than 25 years of experience helping meet the financial, retirement and investment planning needs of families, business owners, and professionals. “We help people to define what success and happiness means to them. What seems like fairly easy definitions, turns out to be quite ambiguous and illusive for many. Their achievement requires more than the possession of assets.” Contact information for Mark Dutram: 4476 Legendary Drive, Suite 201 Destin, Florida 32541 Cell: 850-865-7006 Main: 850-990-0618 Ext. 01

2021-04-1527 min

Answers That Count - Hosted By Charles Musgrove Think Like a Bank for Investments#bank #invest #insurance http://answersthatcount.com Ever wonder what banks do to get so rich? Well its not just because they're banks.. rather its about the way they think. That's what we uncover here in this podcast.. how to think like a bank. You don't need to be a banker or in the banking industry but you can still copy these strategies to help improve your financial life.

2021-04-0723 min

Answers That Count - Hosted By Charles Musgrove 4 Ways to Amplify Your Message#answersthatcount In this episode, we are joined by returning guest, Melissa Hughes (https://www.melissahughes.rocks/), author, speaker and expert on how the brain works. She delivers the brain nuggets on this episode. It's a can't miss show. Melissa discusses the 4 Methods to Amplify your message, whether it is about business messages or just ways to communicate your personal message in everyday life. She also discusses Sketch Notes and provides the Sketch Notes for the content of this episode.

2021-03-1627 min

Answers That Count - Hosted By Charles Musgrove Does MCA Debt Lead to Death Spiral?Merchant Cash Advance debt is an indication that a company has cash flow problems. MCA is normally the last alternative for financing. The MCA contracts do provide quick cash, they are easy to be approved and often times require both daily repayment and APR of over 200%. On this episode, we we are joined by Marc Mellman, founder of MCA Stacking Solutions, for a discussion about how to get out of the rabbit hole of the MCA contracts, which often times the debtor will have multiple or 'stacked' MCA contracts. Marc talks about how New York is one o...

2021-03-0930 min

Answers That Count - Hosted By Charles Musgrove Housing Bubble? Debt Bubble? The Fed is America's Bank!#housingbubble #debtbubble #easymoney In today's show we are joined by Myles Bradley, Working Capital Finance VP with Capital City Bank. With all the recent chatter about collapse of the US Dollar, investing in 'scarce assets', the debt bubble and the Fed flooding the economy with $ trillions, we now get the perspective of a banker. Myles brings great insight on the PPP 2.0, SBA 7A and the SBA 504 loan programs. These are great opportunities to help businesses that have taken a hit caused by COVID and the government restrictions imposed on them. Plus, the 7A and 504 loans p...

2021-02-2546 min

Answers That Count - Hosted By Charles Musgrove Accounting for Success#accounting #cpa #success #business Terrell Turner, CPA, business advisor, entrepreneur and podcaster joins our show today. We talk about the reasons every business needs reliable financial information to guide decisions. Even with easy to use and access accounting systems like QuickBooks on-line, businesses still need knowledgeable accounting professionals involved in the financial record making process. Check out this show for some great information from two CPAs who have assisted entrepreneurial businesses for many years. Be sure to subscribe to our YouTube channel and Hit the Notification Bell https://www.youtube.com/channel/UC5U...

2021-02-2433 min

Answers That Count - Hosted By Charles Musgrove Hustle + Opportunity = Success! Lessons for the Entrepreneur#entrepreneur #hustle #opportunity In this episode we are joined by entrepreneur, educator and podcaster, Chris Michael Harris https://chrismichaelharris.com/ . Chris drops some great tips for the entrepreneur in this show. Chris gives his personal story about one of his start-ups he ran from an apartment at the University of Georgia. The genesis of this start-up was from his college dorm at the University of Georgia helping fellow students move furniture. This boomed to a 7 figure income in a few short years. Hard work, hustle and solving a problem was the key to this success. In this...

2021-02-2342 min

Answers That Count - Hosted By Charles Musgrove Bitcoin to $60K or $100K?#bitcoin #minimumwage #$15/hour #easymoney #usdebt #economics FSU Economics Professor Joe Calhoun is our special guest for this episode. We discuss a wide range of topics from the impact of the mandated increases in minimum wage, cancelation of student loans and the impending deflation of the US currency. What happens if the USD fails? Do we have historical precedence of a failed national currency? Will bitcoin hit $60K? Professor Joe's perspective of these topics is great and is a can't miss episode. Be sure to subscribe to your YouTube channel and Hit the Notification Bell https://w...

2021-02-1628 min

Answers That Count - Hosted By Charles Musgrove The Growing Crisis of the Leadership Gap!#leadership #leadership #business #answersthatcount Amie Schiess joins us for a look at how we got to where we are now with a gap in leadership. It's not a 2020 phenomenon caused by the pandemic. Maybe this focused us on the issue, but this has been developing over decades. Lack of trust in institutions, like the government and the media are signs of the problems. Even more so is the general lack of trust we have for each other, even our co-workers or employers. WHY? Does the threat of legal action create a barrier for people to hide behind? Are the...

2021-02-0928 min

Answers That Count - Hosted By Charles Musgrove Invest now in Bitcoin? Why is Bill Gates buying Farmland? Check out Mark Moss' Perspective!#investment #bitcoin #billgates #dollarcrash https://answersthatcount.com/ Mark Moss holds the record for making the two comma club in under 28 days. Mark Moss, a full-time investor and entrepreneur for over 25 years. He has been through multiple market crashes, built multiple 7 and 8 figure business and investment portfolios, through the worst market cycles, giving him the experience and perspective the young bucks on YouTube are missing today. Check out Mark's YouTube channel here https://www.youtube.com/c/MarkMoss/featured. In this session, Mark talks about investing in 'scarce assets' like Bitcoin (the ultimate scarce...

2021-02-0336 min

Answers That Count - Hosted By Charles Musgrove What to Plan with Likely Tax Changes in 2021! Sell now?Investment advice and wealth management strategies to help build wealth and asset protection strategies to help preserve it. Our services allow you to create the financial security you need to enjoy an active and independent retirement. We can assist you to define the legacy you want to leave your family and community and put plans in place to carry out that legacy. check us out on www.answersthatcount.com

2021-01-1448 min

Answers That Count - Hosted By Charles Musgrove Massive Opportunity in Video Marketing for Businesses!#marketing #video In this podcast, we are joined by Paul Vizard with 30A Media. We discuss the platforms available for videos, how to make videos from the inexpensive to expensive. There are many platforms available and some are more conducive for business purposes. The growth of the streaming TV market offers an additional venue for businesses to display video content. Check it out to learn the options that are best for your business. Be sure to subscribe to your YouTube channel and Hit the Notification Bell https://www.youtube.com/channel/UC5U0invXUtqoyrAnniwDjhQ/?sub...

2020-12-2829 min

Answers That Count - Hosted By Charles Musgrove Cutting the Cord for Smart TV's!#streaming #cutthecord #smarttv In this episode, we are joined by Paul Vizard, CEO of 30A Media and 30ATV. Paul has first-hand insight to the TV Streaming industry that has just exploded in the past 5 years. His media companies are part of this 'cord-cutting' wave that is sweeping the globe now. Take Netflix for instance, in 2020 the US subscribers exceed 67 million and is approaching 200 million world wide. Much of this growth has happened in the last decade. So, WOW! How can your business take advantage of the advertising opportunities that are available in this industry? What...

2020-12-1626 min

Answers That Count - Hosted By Charles Musgrove US National Debt Looming Leads to Financial Crisis!#nationaldebt #financialcrisis Subscribe here https://www.youtube.com/channel/UC5U0invXUtqoyrAnniwDjhQ/?sub_confirmation=1 Back for another episode, Professor Joe Calhoun joins us to provide perspective on the every growing US National Debt. We take a historic look at the annual debt and surplus since the early 1900's. As a % of debt to GDP, only in wary years has the % exceeded 10% ... until 2020 with the COVID-19 virus and economic shut-down. What a year 2020 has been. And, in 55 years, the US has incurred deficit spending in 51 of those years, thus only 4 years of surplus. Normally, this spells...

2020-12-1627 min

Answers That Count - Hosted By Charles Musgrove Kicking a $2 Trillion Can?#kickthecan, #economics, #governmentintervention, #answersthatcount Professor Joe Calhoun, Economics Professor at FSU joins us for another episode. We talk about the intersection of government into economics and how this is nothing new. Politicians often take the short-cut when intervening into the free-trade markets. Like, making loans easy to get for businesses suffering from COVID. The money issued by the Federal government in 2020 has been historic and created another bill to be paid by future generations. So, for 2020, we are stimulating the current economy with a $2 Trillion 'Can' to be paid back in the future. Check out this episode...

2020-12-1128 min

Answers That Count - Hosted By Charles Musgrove How Does the Brain Process Stress and Uncertainty? You Might Be Surprised!#stress #communication #leadership https://answersthatcount.com Melissa Hughes joins us for this episode of Answers That Count and shares nuggets of knowledge about how the brain works and process uncertainty. The 'thinking' brain area actually shuts down during stress and uncertainty. The key to this fact is to know how to counter the 'shut down' and reduce the time that the thinking brain is not fully functional. This is a great session to help us during the uncertainty created by COVID. Check out Melissa Hughes' website here https://www.melissahughes.rocks/. ...

2020-12-0929 min

Answers That Count - Hosted By Charles Musgrove The Invisible Hand of Economics (Is this real?)!#economics #invisiblehand #government Professor Joe Calhoun, Economics Professor with FSU talks about the Invisible Hand in this episode. Here is the place that you can learn about the economic theory about an invisible hand. We kick this off with the discussion about current economic conditions, like the impact of COVID to the commercial real estate market. A big deal that we will feel for a while. https://www.facebook.com/answersthatcount/ https://answersthatcount.com/ Roku https://channelstore.roku.com/details/a4b08b575428a5aac2c924402bbc675f/answers-that-count Amazon Fire TV https...

2020-12-0437 min

Answers That Count - Hosted By Charles Musgrove Why Is The $15/Hour Min Wage Bad for Florida?#minimumwage, #amendment2, #florida https://answersthatcount.com The Florida voters passed Amendment 2 on November 3, 2020 paving the way for a mandated increase in the minimum wage starting in 2021 and increasing to $15/hour over the next 5 years. Florida is not the first to pass such a measure and likely will not be the last. There is even talk about a Federal mandate to increase the minimum wage like Florida. In this episode we talk with Professor of Economics at FSU, Joe Calhoun. From an economics perspective we talk about the effects of the change that the workforce in Florida will...

2020-12-0428 min

Answers That Count - Hosted By Charles Musgrove Agent Fears Dogs, Hides in Garbage Can!#insurance, #dogs, #COVID We are joined on this episode by Scott Fjelstad, principal with Rogers Benefit Group. Scott has the knowledge and expertise of a career insurance agent specializing in health insurance for the North Florida region from Pensacola to Jacksonville, FL. Scott shares humorous stories about his encounters with dogs and his unique fear of dogs. These stories are great and could be material for a SNL skit. Scott provides important information about the changing health insurance market and what will be shaping the North Florida market in the coming months and 2021...

2020-10-2327 min

Answers That Count - Hosted By Charles Musgrove How Has COVID Impacted This Youth Ministry?#vision, #destiny, #youth, #jesus, #ministry, #answersthatcount In this episode we are joined by Chris Musgrove, founder and director of Future Now. Chris is well known for being the most entertaining person in any meeting, group or family. He is called a 'class clown' by some, but is known by all as a man in motion living out his calling to be an ambassador for Jesus Christ. He delivers this message to middle-school and high-school aged youth across the South East United States. In this episode we talk about how COVID has altered the way he...

2020-10-2327 min

Answers That Count - Hosted By Charles Musgrove Debilitating Pain Leads to Market Dominator in Prescription Cannabis!#cannabis #prescriptioncannabis #california In this episode we are joined once again by Steele Smith III, co-founder of C3 International and Idrasil, the world's first cannabis prescription. In this episode Steele shares his personal and painful story that lead him to be a leader in the prescription, medical cannabis. Steele recounts the 6 raids from the DEA and how he came to count on the annual 'October Surprise'. The raids were friendly and non-hostile (with the exception of the first one). Bottom line of the raids, no convictions, all charges dropped! This is a true description of the problems...

2020-10-2244 min

Answers That Count - Hosted By Charles Musgrove MCA or Business Payday Loan, The Dark Side of Finance!#mca, #finance, #payday When cash is tight and businesses are desperate for survival, Merchant Cash Advance provides immediate cash to live to fight another day. However, the 'life' they provide can be short-term and usually leads to stacking of more MCA loans. Normally, the first MCA loan creates a violation of terms of pre-existing loans. MCA loans is a unique financing tool and is similar to the pay day loans, which are loans available for the individuals. Or, at least they were at one time until most states made them illegal. These type loans have...

2020-10-1529 min

Answers That Count - Hosted By Charles Musgrove Simple Tips to Reduce the COVID Liability Risk!#covid, #liability, #tips In this episode, we are joined by Dean LeBoeuf, founder of the Brooks LeBoeuf https://www.toomuchatstake.com/ law firm to discuss the legal implications to businesses caused by COVID. The fear can be so overwhelming that businesses don't re-open. Dean breaks down the risk into different categories and provides some simple tips to mitigate the risk a business owner may believe they might have. Check out this episode for a big dose of 'stay calm and carry on'. If you own a business or manage a business, this is a can't...

2020-10-1529 min

Answers That Count - Hosted By Charles Musgrove The Cost of Government Meddling! Lockdown, Masks, Taxes, etc.#government, #intervention Be sure to click the Subscribe Button and Hit the Notification Bell https://www.youtube.com/channel/UC5U0invXUtqoyrAnniwDjhQ/?sub_confirmation=1 Also, for more information, check us out at https://answersthatcount.com/ . We have articles of current, relevant information about business and economics. For Apple Podcast, link here https://podcasts.apple.com/us/podcast/answers-that-count-hosted-by-charles-musgrove/id1479296350 Link to and Like our Facebook page at https://www.facebook.com/answersthatcount. Please leave comments below, or send me requests or questions at cmusgrove@answersthatcount.com FSU...

2020-10-0327 min

Answers That Count - Hosted By Charles Musgrove Emerging Medical Marijuana Product from California!#cannabis, #medicalmarijuana, #california Be sure to click the Subscribe Button and Hit the Notification Bell https://www.youtube.com/channel/UC5U0invXUtqoyrAnniwDjhQ/?sub_confirmation=1 Also, for more information, check us out at https://answersthatcount.com/ . We have articles of current, relevant information about business and economics. For Apple Podcast, link here https://podcasts.apple.com/us/podcast/answers-that-count-hosted-by-charles-musgrove/id1479296350 Link to and Like our Facebook page at https://www.facebook.com/answersthatcount. Please leave comments below, or send me requests or questions at cmusgrove@answersthatcount.com

2020-10-0329 min

Answers That Count - Hosted By Charles Musgrove A Fragmented Economic Recovery, Winners and Losers Post COVID!In this session, Professor Joe Calhoun joins us again on the September 11 anniversary of the attack on the US. We give recognition of the importance of the date in our history. COVID is still a part of what we are dealing with in the economy as we see the government continue lifting restrictions on businesses. The most recent in the State of Florida is the opening of bars and lounges, with restrictions. Even with the lifting of some of the restrictions, many businesses will opt to remain close and not battle the restrictions on their business.

2020-09-1931 min

Answers That Count - Hosted By Charles Musgrove Positive Changes Caused by COVID - Yes, There Are Many! And, the Influence of Prices in Economy!Economics Professor Joe Calhoun from FSU joins us for another episode to discuss the evolving changes in our economy resulting from the COVID impact. Even though the negative impact is significant, there have been positive changes in the economy also. In this episode we take a look at the upside impacts. Market segments, like real estate, home purchases show growth. The Florida market, specifically the NW Florida area have shown significant demand in 2020. It's almost like home owners are moving from large metro areas to sunny Florida and the beauty of the coast to work remote or work remote...

2020-09-1829 min

Answers That Count - Hosted By Charles Musgrove Simple Tips to Safeguard Against Cybersecurity Hackers! They Want Your Stuff!In this episode about Cyber Security Safeguards with Ben Graybar, we talk about the well known, large-scale public examples of cyber hacks as well as our personal experiences. The hacks that are public may seem like something that happens to someone else, but many times given the vastness of these hacks, we are caught up in them also. Usually, when we are caught in the public hacks that include tens of thousands, we just hope that we are the small fish in a large pond of bigger fish and that our data will not be hacked, even if our...

2020-09-1631 min

Answers That Count - Hosted By Charles Musgrove COVID's Economic Impact to College Towns Like Tallahassee!FSU Economics Professor Joe Calhoun joins the show again. In this episode we discuss the risk/reward decision process regarding COVID. What are you willing to risk when it comes to staying free of the COVID virus? Mental health, economic vitality, and normalcy are all a cost if we go 100% lock-down to avoid catching the COVID virus. We don't want the cost of avoiding COVID to be greater than the effect of COVID itself. We then discuss the outlook for FSU with on-campus attendance and the financial fall-out to Tallahassee for the reduction in attendance on-campus. This hit is n...

2020-09-0928 min

Answers That Count - Hosted By Charles Musgrove There Are No Free Lunches, Explained by Professor Joe!Economic Key Element #2 – There are No Free Lunches In our continuing series of interviews with Professor Joseph Calhoun, Economics Professor at Florida State University, we talk about another key element of the Twelve Key Elements of Economics from the Third Edition of “Common Sense Economics, What Everyone Should Know About Wealth and Prosperity.” As the co-author of this book, public speaker and professor at a major university, Professor Joe provides a great perspective of how basic economic theories apply to current economic conditions. In this interview we discuss key element #2, There is no such thing as a free l...

2020-08-1830 min

Answers That Count - Hosted By Charles Musgrove Incentives Matter & The Laffer Curve Explained by Professor Joe!Economic Key Element #1 of 12 – Incentives Matter I recently interviewed Professor Joseph Calhoun, Economics Professor for Florida State University and co-author of the Third Edition of “Common Sense Economics, What Everyone Should Know About Wealth and Prosperity.” In this interview we talk about key element #1, Incentives Matter – Changes in benefits and costs will influence choices in a predictable manner. There are similarities between the Incentives Matter concept to the Laffer Curve, an economics theory developed by Arthur Laffer. The simple description of the Laffer Curve is that reducing tax rates will increase total tax revenue … meaning Americans will work and e...

2020-08-1826 min

Answers That Count - Hosted By Charles Musgrove A COVID Therapeutic for Your Business is Tenacity and Hospitality!In this episode, we have guest Ron Coury, author of the recently published book entitled Tenacity. Ron talks about his business ventures in the early years in Las Vegas. He used a large dose of hospitality and tenacity to carve a path in the evolving casino and local tavern scene in Las Vegas. What a great story and great lessons in today's climate with COVID fears and realities. Ron created the Cheers tavern and local gathering place before the hit TV sitcom. Check out this show about how Ron created a successful business in a place that w...

2020-08-0855 min

Answers That Count - Hosted By Charles Musgrove Best Practices for Social Media Posting for Your Business, Where, When and How!In this episode we talk with Whitney Lee, Founder of Social Lee PR & Media Co about the best practices of social media posting and sending the 'right' message to the target audience. We discuss a wide range of topics from adapting to business and COVID and how the business message should be modified to be sensitive to the conditions caused by COVID. Here are 5 takeaways from the interview: Post quality content, don't post just to be posting something Use the social media platform that best matches your target audience Either use the platform and p...

2020-08-0451 min

Answers That Count - Hosted By Charles Musgrove The COVID Impact from the Perspective of a Restaurant Owner! A Real Life AccountIn this episode, we are joined by Drew McLeod owner of the Savor restaurant in Tallahassee, FL and career restaurateur. His perspective is one that is reflective of so many businesses and restaurants across America that are suffering with the unintended consequences of COVID, lock-downs and masks. Drew talks about the optimum business model for a restaurant and most businesses are started assuming full occupancy and serving as many customers as possible. Can a business survive if capacity serviced is cut by 50% or 25%? How long can a business survive in those conditions? Many have survived th...

2020-07-3039 min

Answers That Count - Hosted By Charles Musgrove This 5-Step Process Improves the Entrepreneur's Success!In this episode we are joined by Sean Ammirati, entrepreneur, writer, venture capitalist, professor, researcher and public speaker. Yes, Sean has a lot of irons in the fire but he took the time to join us for an informative and exciting episode about entrepreneurship, how a process improves the chance of success and the impact of COVID. Most Recently Sean was COO of ReadWriteWeb, one of the most influential sites about the future of technology and innovation. In December 2011, the company was acquired by SAY Media to strengthen its technology channel. Sean was previously co-founder and CEO...

2020-07-0947 min

Answers That Count - Hosted By Charles Musgrove SBA 504 Loan - Now Could be the Time to Re-Fi, Find Out How the SBA Can Pay 6 months of Debt Service!With interest rates flirting with record lows and the SBA offering an incentive to pay debt service of both the SBA and bank portion for 6 months, now could be THE time for you to consider refinancing existing debt. On this session, we are joined by Ashley Vannoy, Vice President with First Bank of the Lake. She provides a very informative discussion about this program and the urgent time-line to take advantage of the SBA debt payment incentive. However, as she explains, even without this incentive, with low rates (in the 3.5%-3.9%) a 25 year amortization period and 90% LTV, this is...

2020-07-0738 min

Answers That Count - Hosted By Charles Musgrove Do you Have an Exit Plan? Find Why, When and How to Plan for Ownership Transition!On this Episode, we talk with John Gautreau, founder of NextGen Consulting. John's experience as a CPA for over 30 years, owner of his own firm and now as a Certified Exit Planner provides him with an unique perspective on the importance of exit planning and execution. A good plan is critical to achieving a good outcome for the owners. Most (80%) don't plan, and many more fail to execute the plan properly. Check out the show for tips to help with your business dynamic.

2020-06-2041 min

Answers That Count - Hosted By Charles Musgrove Are you Marketing Your Business the Right Way? Are you Getting Expected Results from the Effort and Dollars Spent? Check this Episode for the Marketing Nuggets!In this episode our guest Tim Fitzpatrick, founder of Rialto Marketing, describes why marketing is an important part of any successful business and how to do it the right way. Tim explains this in an easy to understand, step-by-step process. Starting with the fundamentals followed by a dynamic, sprint-type execution plan that is 90 days or less. Here is a link to the show topics and helpful information https://www.rialtomarketing.com/answers-that-count/. The Marketing Strategy Trilogy - https://www.rialtomarketing.com/wp-content/uploads/2020/05/The-Marketing-Strategy-Trilogy.pdf Target Market Messaging System/Plan A simple Marketing Pla...

2020-06-1754 min

Answers That Count - Hosted By Charles Musgrove How to Survive a Recession - To Close, Start A New Business or Hunker Down?Join us for this episode with Stephen Halasnik, Serial Entrepreneur, founder of numerous businesses including his current one, Financing Solutions https://financingsolutionsnow.com/. With the economic fall out from the COVID crisis and forced shut down of many businesses, a national recession is real and now is the time to examine if your business is ready for it. It's time to assess if your business is in an industry that will likely thrive or survive, or if it will suffer and face a significant challenge in a recession. Stephen recounts the decision process he went through in d...

2020-06-0551 min

Answers That Count - Hosted By Charles Musgrove Find out How to File A Claim on your Business Interruption Policy Even with COVIDIn this episode, we are joined by attorney Chip Merlin, president of the Merlin Law Group, to provide the nuggets of knowledge about how to file a claim on your Business Interruption policy. Chip has dedicated his career and created his law firm to defend the policy holder, to protect the rights of the 'little guy' in the insurance arena. Chip is the author of Pay Up, which is a collection of experiences he has had with in his practice. A must-read book for sure. Here are a couple of testimonies from the book. “Chip Me...

2020-05-261h 11

Answers That Count - Hosted By Charles Musgrove Check this Out for the Details on How to Maximize the PPP Loan Forgiveness - Based on the Application and Guidance issued by the SBAThe evolution continues with the Paycheck Protection Program (PPP). In this episode we discuss with Roxanne Sexton the newly released Forgiveness Application released by the SBA on May 15th. Many of the previously issued guidelines are clarified, new guidelines are provided and other questions remain. While there is talk and speculation about further changes to the rules, like extending the 8 week covered period and the 75%/25% split of how the money should be spent. However, at this point, those changes are just speculation. SBA Releases PPP Forgiveness Application and Makes Critical Clarifications and Documentation Requirements ...

2020-05-2055 min

Answers That Count - Hosted By Charles Musgrove Is a Captive Insurance Company a Good Option for Your Business? This Could Provide Business Interruption Coverage for a Pandemic Like COVID-19!This session's guest is Van Carlson with Strategic Risk Alternatives (https://strategicriskalternatives.com/). Mr. Carlson has over twenty five years of experience within the risk management industry. Van began his career with Farmers Insurance Group as an agent; eventually growing his book to be among the largest in his home state of Idaho. Van specializes in advising clients how best to manage risk. The Captive Insurance company is a frequently used product he recommends for, implements and manages for his clients. This risk management tool is governed by 831(b) of the Internal Revenue Code. A few take-aways fr...

2020-05-1358 min

Answers That Count - Hosted By Charles Musgrove PPP Loan Forgiveness - Understanding the Calculations to Maximize Loan ForgivenessIn this episode of Business Matters, Roxanne Sexton with the Bean Team discusses the Paycheck Protection Program and more specifically, how to maximize the loan forgiveness provisions of the PPP. We outline and then discuss the 4 categories provided by the PPP to determine the amount of loan that will be forgiven. Of course, all of this is based on the guidelines issued through the time of the recording. PAYCHECK PROTECTION PROGRAM LOANS Frequently Asked Questions (FAQs) The Small Business Administration (SBA), in consultation with the Department of the Treasury, intends to pro...

2020-05-0836 min

Answers That Count - Hosted By Charles Musgrove COVID and the Economy - Will the New Wave of Money Creation Lead to Inflation?In this episode, we talk with FSU Economics Professor, Joe Calhoun about the impact COVID has had and will have on the economy. We discuss the Fed's tools to stimulate the economy, like creating money and dropping the interest rate and the likely impact these actions will have to inflation and recovery. Also, tools available to the legislative branch, like loan programs and the Paycheck Protection Program paired with the Fed's tools can have a significant impact on inflation, deflation, interest rates and other big picture economic measurements. Check out this episode for economics 101 mixed with COVID crisis.

2020-04-2655 min

Answers That Count - Hosted By Charles Musgrove Adapt Your HR Policies to Comply with the New FMLA Requirements - Families First Coronavirus Response ActOn this episode of Business Matters, guest Mark Bonfanti, employment law attorney, discusses many new issues created by the COVID crisis and the new FMLA requirements included in the Families First Coronavirus Response Act signed on March 18, 2020. Check out this episode for how to deal with these items: Compliance with Wage & Hour requirements in remote work settings Modifications that should be made to the employee handbook to address different work settings, requirements, etc. Are there exceptions to the Families First Coronavirus Response Act for employers with less than 50 employees How to compensate employees with Coronavirus illness H...

2020-04-2256 min

Answers That Count - Hosted By Charles Musgrove Paycheck Protection Program Application Process, SBA Disaster Loans and Florida Bridge Loans - From the Process to Payment Timeline - COVID RecoveryIn this episode we provide an update on the Paycheck Protection Program loan application process. We discuss the details of the application, the banks process and the timeline for funding the loans. We also discuss the SBA Disaster Loan program, the $10,000 grants that are available through this program and the Bridge Loan Program offered through the Florida Office of Economic Opportunity. Roxanne Sexton, an Account Manager with the Bean Team has been in the trenches from day one with these different loan programs. She has stayed up with the evolving rules and how to advise clients. She h...

2020-04-1043 min

Answers That Count - Hosted By Charles Musgrove COVID-19 Updates, PPP Application, North Florida Economy and Coping with the Shut DownIn this episode we talk with Steve Stewart, entrepreneur and founder of tallahasseereports.com, which economic data and business trends. Steve Stewart received his Masters degree in Political Science from FSU, and went on to work with the Office of Public Counsel . While at the Office of Public Counsel, Steve participated in major electric rate cases and provided testimony on behalf of the consumers of Florida before the Florida Public Service Commission. In 1999, he started a real estate marketing company, and since 2006 he has been the owner of a commercial marketing and printing business. COVID 19 has...

2020-04-0934 min

Answers That Count - Hosted By Charles Musgrove Insight from Michelle Rehwinkel Vasiliinda on the end of 2020 Florida Legislative Session, the Florida Budget and Surviving the COVID Crisis!Join us for this episode with guest Michelle Rehwinkel Vasilinda. Michelle is a former member of the Florida House of Representatives, representing the 9th District, which includes most of Leon County, from 2008 to 2016. Her insight into State politics, current bills, and how all of this impacts citizens, employees and businesses is unique and interesting. In this session we chat about the ending of the 2020 Florida Legislative Session, E-Verify and the Florida budget. How will Florida's budget suffer in the COVID crisis and economic shutdown? What is the silver lining in all of this? Is it the right time to...

2020-04-051h 12

Answers That Count - Hosted By Charles Musgrove Cares Act, State Bridge Loans, SBA Disaster Loans and the Application Process for LoansIn this episode we discuss the newly signed Cares Act aimed at providing aid to businesses and individuals that have been impacted by the Coronavirus and the resulting economic shut-down. The application process for the Cares Act loans will take the form of a modified 7a SBA loan and will be processed through SBA approved lenders. On this episode, we have bank representatives, employment attorney, FSU Economics professor and business leaders in the restaurant industry. A recent post re: the summary of the Cares Act: Senate Passes the Coronavirus Aid, Relief, and Economic Se...

2020-03-2859 min

Answers That Count - Hosted By Charles Musgrove Adapting Your Culture to Survive & Thrive in the COVID 19 Challenge!Billy Boughey is our special guest today. Billy is a speaker, author of Culture Reconstructed and CEO of Elevate Experiences. In this episode we have an uplifting discussion about how these times of crisis brings out the best in people and entrepreneurs. Those that are creative with solutions, bring value to people and can 're-imagine' their fit and value will not only survive during this hardship, but they will excel. In this episode Billy describes that we are all facing CPR decisions right now ... to Cancel, to Postpone or to Re-imagine. This is a great time to be positive...

2020-03-2551 min

Answers That Count - Hosted By Charles Musgrove A Chat with Ryan Chamberlin about the Swamp, Coronavirus, E-Verify and the Federal Aid PackageIn this episode, business man, author, father, husband, Christian and current candidate for District 3 of the US Congress covers a wide range of topics. Of course we talk about the Coronavirus and how it has already impacted businesses. How will our State and Federal Governmental Agencies provide aide to those businesses and citizens that are damaged from the Coronavirus fall-out. Businesses like restaurants, hotels, the cruise and airline industries have been hit hard and more losses will be sustained. What is the role of Government in situations like this? Is this similar to the Auto Industry bail out or...

2020-03-1853 min

Answers That Count - Hosted By Charles Musgrove An Economics Professor and a CPA Meet in the Studio ... A Can't Miss Episode about the Coronavirus' Impact on the US Economy - Part IIIn this episode, Charles Musgrove talks with FSU Economics Professor and author, Joe Calhoun about the economic impact the Coronavirus will have on the US economy. We talk about the the expected economic recovery period, the pent up demand that will help the recovery and the fall-out. We also talk about the decision for FSU to move to on-line education delivery for the remaining of the Spring semester. From the book that Joe coauthored, Common Sense Economics: What Everyone Should Know About Wealth and Prosperity From Introduction: Life is about choices, and economics...

2020-03-1836 min

Answers That Count - Hosted By Charles Musgrove An Economics Professor and a CPA Meet in the Studio ... A Can't Miss Episode about the Coronavirus' Impact on the US Economy - Part IIn this episode, Charles Musgrove talks with FSU Economics Professor and author, Joe Calhoun about the economic impact the Coronavirus will have on the US economy. We talk about the government's financial assistance and how assistance given to individual citizens versus to businesses will have different effects to the economy. Is this assistance a 'bailout'? We dismiss this negative description for the aid that will be provided to people and businesses that suffer financially from the Coronavirus. Excerpts from the book that Joe Coauthored entitled Common Sense Economics: What Everyone Should Know About Wealth and Prosperity

2020-03-1839 min

Answers That Count - Hosted By Charles Musgrove The Resiliency of Businesses in Times of Crisis: The American Way is to Face the Challenge and Succeed When Times Get Tough!Join us for the second episode with guest Michelle Rehwinkel Vasilinda. Michelle is a former member of the Florida House of Representatives, representing the 9th District, which includes most of Leon County, from 2008 to 2016. Her insight into State politics, current bills, and how all of this impacts citizens, employees and businesses is unique and interesting. Michelle's perspective on the current legislative session with the backdrop of the Coronavirus are the ingredients of an awesome episode of Business Matters. At the recording of the show, we are dealing with the fall out from the Coronavirus and the energy...

2020-03-1232 min

Answers That Count - Hosted By Charles Musgrove Coronavirus, E-Verify, Immigration and $15/Hour Minimum Wage - We Connect the Dots on this Episode!Join us for this episode with guest Michelle Rehwinkel Vasilinda. Michelle is a former member of the Florida House of Representatives, representing the 9th District, which includes most of Leon County, from 2008 to 2016. Her insight into State politics, current bills, and how all of this impacts citizens, employees and businesses is unique and interesting. We discuss a wide range of hot topics that are relevant today. The Florida Legislature is in the final scheduled week, but will it end on time? E-Verify and other bills may cause session to be extended. Of course we talk about the...

2020-03-1147 min

Answers That Count - Hosted By Charles Musgrove Practical Tips on Must-Have Documents for Employers and Business Owners with Partners!Guest Terry Madigan gives practical tips on legal documents that should be in place to prevent heart ache and pain when separation happens with business partners, employees or in a business transition situation. Check out this episode for nuggets of knowledge from long-time Tallahassee attorney, Terry Madigan. This show does not provide legal advice and Provider is not a law firm. Top 10 Legal Documents For Small Businesses LINKILAW JANUARY 22, 2018 LEGAL DOCUMENTS Top 10 Legal Documents For Small Businesses So, you’ve got the idea and are all psyched to get going...

2020-03-0140 min

Answers That Count - Hosted By Charles Musgrove Amendment 2 - $15/Hour Minimum Wage - The Impact to a Florida Restaurant Owner and the Unintended ConsequencesAnother informative episode about the expected impact of a $15 per hour minimum wage in the State of Florida. In this episode, Charles Musgrove and guest Drew McLeod, restaurant owner, discuss the unintended consequences of what is likely to happen if this Amendment passes in Florida. Drew has spent over 40 years in the restaurant industry and has owned and managed several successful restaurants in and around the Tallahassee, Florida area. Drew talks about the financial challenges that already exist in the industry and the thin profit margins. The direct impact to his business will be immediate. The long-term impact will...

2020-02-2239 min

Answers That Count - Hosted By Charles Musgrove Who Should Own Disability Insurance? How are benefits taxed? Also, How can Life Insurance be used in Ownership Transition?In this episode Charles Musgrove and guest Taylor Hodges with Southern Capital discuss important information about disability insurance and life insurance. These policy types provide the beneficiary and owner a method to cover for those events that cannot be paid from available cash. From Smart About Money Why You Need Disability Insurance Disability insurance provides a source of income to people who are unable to work due to an accident or illness. Remember that your earning power is one of your greatest financial assets. Without disability insurance protection, workers and their de...

2020-02-1732 min

Answers That Count - Hosted By Charles Musgrove Tips on How to be an Effective Board Member for Your Non ProfitIn this episode, Charles Musgrove talks with nonprofit expert and consultant, Alyce Lee Stansbury about effective boards. Board members play a vital role in the success or failure of nonprofits. Alyce Lee talks about the importance of nonprofits in a community and she shares her tips on what should be done to enhance the success rate of a nonprofit board. Learn how to be a better board member and how to improve the board that you serve. Other topics discussed on this episode: Importance and role of nonprofit sector Nonprofits are businesses [501c3 is a tax d...

2020-02-0233 min

Answers That Count - Hosted By Charles Musgrove You're Fired! Can You, Should You and How to Terminate an Employee ... Do it Right and Reduce Your Risk!In this episode, host Charles Musgrove discusses employee terminations with attorney Scott Callen. There are many factors that the employer should consider before terminating an employee. Terminations are sensitive for both the employer and employee and it is a critical time in the life of the business and the individual employee. Make sure it is the right course of action and that the right steps are taken. Not doing so, could result in unnecessary pain and suffering to all parties involved. Listen to this episode for more nuggets of knowledge. Below is an article published on-line by...

2020-02-0233 min

Answers That Count - Hosted By Charles Musgrove 529 College Savings Plan and the Expanded Use, Non-ERISA Plans and the Golden HandcuffOn this episode, Charles Musgrove and guest Taylor Hodges from Southern Capital discuss a variety of topics including: The 529 College Savings Plan and how the 2019 SECURE Act has expanded the use of the plan assets The Safe Harbor provision Non-ERISA plans or the Golden Handcuff and practical examples Distributions from inherited retirement plans Balance of tax deferred vs after tax savings 2019 SECURE Act: Small business owners will receive a tax credit for establishing a retirement plan Additional tax credit for adopting auto enrollment New provisions to allow part-time employees with less than $1,000-hours to join 401K Elimination of...

2020-01-1533 min

Answers That Count - Hosted By Charles Musgrove 401K, SEP, IRA, SIMPLE and much more - Retirement Plans 101In this episode, Charles Musgrove and guest Taylor Hodges with Southern Capital discuss the different types of retirement plans. From the simple to the complex, the plans offer a variety of options relating to participation, amount of contributions, access to the cash prior to retirement and many more. The 2019 SECURE Act is also discussed about how it impacts the Retirement Plans. Highlights of the types of Retirement Plans: Solo 401K - $19,500 / $6,500 catchup + up to 25% of business income for matching Max is $57,000 total contribution + $6,500 for employee catchup Can be used for spouse in business to double contribution a...

2020-01-1531 min

Answers That Count - Hosted By Charles Musgrove $15 Minimum Wage in Florida? What are the chances it becomes law in Florida? What's the Impact?In this episode, host Charles Musgrove discusses the $15 minimum wage ballot initiative with the Samantha Padgett, General Council with the Florida Restaurant and Lodging Association. We talk about the status of this option being included on the November 2020 ballot, the potential impact to the hospitality industry in Florida if it passes and many more factors around this topic that will surely become more hotly debated as the November election date approaches. To provide some context to the subject, below is a recent article published by the Wall Street Journal. Small Business and the Fight for $15

2020-01-0833 min

Answers That Count - Hosted By Charles Musgrove The Top 10 List (plus more) for Starting Your New BusinessIn this episode of Business Matters, host Charles Musgrove discusses the Top 10 List for Starting Your New Business with Jon Jopling, entrepreneur and business operator. From selection of your business name to setting up your accounting system, this episode is full of valuable information that is helpful to many business managers and owners. Here is the list of topics in this episode: The Top 10 List for Starting and Running a Business Business Name Select Entity Type Register with SunBiz Register with IRS Register with DOR for unemployment and sales tax Purchase domain Set up bank account ...

2020-01-0629 min

Answers That Count - Hosted By Charles Musgrove Workers Comp Insurance, Business Interruption Coverage and MoreThis is Part 2 of our podcast with insurance industry expert Craig Mugglin. In this episode, we talk about workers compensation coverage, exemptions for owners, the different requirements for coverage for construction businesses and other types of businesses. Find out if owners should exempt themselves from coverage, the minimum number of employees that require workers comp coverage and many other important factoids about workers comp insurance. Also, we take a closer look at business interruption coverage and tips on how to maximize coverage and minimize the cost of insurance coverage. This coverage could be the difference in business c...

2019-12-0527 min

Answers That Count - Hosted By Charles Musgrove Do You Have the Right Cyber Insurance Coverage When the Hack Happens?In this episode, Charles Musgrove talks with insurance industry expert Craig Mugglin about coverage that often gets overlooked or risk that is under-insured. One of the newer insurance 'types' is Cyber Insurance. The number and magnitude of cyber attacks are ever increasing along with the cost to recover from the hacks. Costs suffered by the company to replace, recover and rebuild can be very high and the costs to restore the company's clients and other victims of the attack can be even greater. We talk about what is covered and what is not along with the cost for cyber c...

2019-12-0530 min

Answers That Count - Hosted By Charles Musgrove What are the Takeaways from the Jeff and MacKenzie Bezos Divorce?In this episode Charles Musgrove talks with attorney Kris Dunn about the lessons to learn from the Jeff and MacKenzie Bezos divorce. Yes, most people don't have the net worth of Bezos' $180 billion to settle in a divorce, but there are still many tips that we can apply in our situation. Check out this episode for a lively and entertaining discussion with many nuggets of knowledge.

2019-11-2728 min

Answers That Count - Hosted By Charles Musgrove Is your Business Ready for a Divorce by Shareholder Owners?In this episode host Charles Musgrove talks with attorney Kris Dunn about how to best prepare for the effects of a divorce on business continuation or valuation in determining marital assets. How can a prenuptial and a post-nuptial be used to protect the business ownership and plan for a possible divorce by husband and wife that own and work in the business? How can divorce impact business continuation? Is your business ready for a divorce of an owner? Find out tips to help you avoid a bad situation.

2019-11-2727 min

Answers That Count - Hosted By Charles Musgrove How to Improve Culture, Communication and Employee RetentionIn this episode we talk with David Balmer from Dale Carnegie Training. Old School to New School ... tried and proven techniques that have been around a long time are still the key to success. We talk about management training and how to improve success through improved communications. Find out tips on how to improve culture, morale and productivity and reduce employee turnover. Does your business have the right leadership approach? Find out valuable tips in this episode.

2019-11-1630 min

Answers That Count - Hosted By Charles Musgrove "Why Not" Improve Business Outcomes?In the follow-up episode with Bill Wilson about how to improve business outcomes, we look closely at the 'why not' of making changes to achieve improved business outcomes. There are reasons why changes are not made, some valid, some not. We also talk about 'Who' needs to be the focus of making the changes to realize improvements. The 'Who' can be inside or outside the organization. Check out this episode featuring Bill Wilson the author of 'The Magic of What, Who, How & Why Not, the Four Keys to Improved Business Outcomes'. Bill will also talk about the starting point...

2019-10-3027 min

Answers That Count - Hosted By Charles Musgrove The 4 Keys to Improved Business OutcomesIn this episode, we talk with Bill Wilson about how to improve business outcomes through training, hiring and changing processes within an organization. Bill has great experience with both large, well known companies to the small mom and pop company. Bill talks about how his team worked with Farmers Insurance to reshape their training program, compensation plan and hiring process and how these changes dramatically improved net profits and company morale. The changes they made lead to the creation of the Farmers Insurance University. Bill is also the author of "The Magic of What, Who, How & Why Not, the...

2019-10-3030 min

Answers That Count - Hosted By Charles Musgrove Joint Ownership of Assets - 3 Options, Which One is Best?In this entertaining and informative episode, host Charles Musgrove discusses with attorney Nicholas Fugate the options available for how to own assets. Find out which option is only available for married couples and why this selection will maximize asset protection. Asset protection is the primary objective of making the right choice on how to own assets. Listen for tips on how to get the best protection. In this episode, we also discuss the highlights for succession planning for the small business and the challenges of determining 'value' of the business.

2019-10-1627 min

Answers That Count - Hosted By Charles Musgrove What is the right Entity Type for Your business?A frequently asked question from owners of new and old businesses is about the type of entity that should be selected. Should it be an LLC ... single member or multi-member, or and S-Corp ... or a C-Corp? Consideration should be given to legal factors and tax factors before making the final decision about entity selection. In this episode, we talk with attorney Nicholas Fugate about the entity selection process and we even discuss whether your entity should be set up in Delaware, since it does have 'business friendly' rules.

2019-10-1630 min

Answers That Count - Hosted By Charles Musgrove New and Improved Health Insurance Plans for the Small BusinessIn this episode we talk with Luke Wolkers from the Rogers Benefit Group about the new health insurance plan types available for the small business. Recent legislative changes in the State of Florida greatly improve the ability for the small business to receive refunds based on claims experience. We also discuss the popular teladoc plans and how they save time and money.

2019-10-1033 min

Answers That Count - Hosted By Charles Musgrove Sales Tax Audits and Likely Audit TargetsBack for another episode on sales tax, attorney Steve Hogan with the Ausley McMullen law firm discusses the audit process, how the business should communicate with DOR and likely sales tax items that the auditor will look for. When you get the notice of audit, you are on the clock. Listen and and learn for another informative and entertaining episode on sales tax. Also, we discuss commercial rental tax issues and the fact that Florida is the only state with a commercial rental tax.

2019-10-0833 min

Answers That Count - Hosted By Charles Musgrove Sales Tax and Wayfair - Find out how this Ruling Changed Sales Tax Law 'Forever'Steven Hogan of the Ausley McMullen law firm discusses sales tax issues for multi-state businesses. Sales tax as you once knew it in the pre-Amazon days was changed forever in this landmark decision. It dramatically expands the states' power to collect sales tax for sales from out of state businesses. See how the 'Amazon' business model had a date with destiny in this ruling.

2019-10-0831 min

Answers That Count - Hosted By Charles Musgrove Cyber Security - Part II - Don't Let the Trojan Horse in Your HouseLearn more about how to protect your electronic data, how to keep the Trojan Horse out in this Episode II on Cyber Security. Charles Musgrove continues the discussion with Ben Graybar, banker and cyber security expert about how to best guard your computer, network and accounts from the dark web attacks.

2019-09-2723 min

Answers That Count - Hosted By Charles Musgrove Cyber Security - "Protect Your House" - Tips and Tricks on How to Protect Against Cyber AttacksLearn how to prevent and protect against cyber security breaches as host Charles Musgrove discusses the latest news and tips with Ben Graybar, VP Hancock Whitney. The content for this subject is discussed on 2 episodes of Business Matters. Listen for an entertaining and informative discussion.

2019-09-2729 min

Answers That Count - Hosted By Charles Musgrove Negative Social Media Reviews & Posts and Consequence to the BusinessHost Charles Musgrove and attorney Scott Callen discuss the consequences and available responses to negative reviews or posts on social media. False claims, real claims and opinions can all have a significant impact on a business. In this session we discuss key points to help the business navigate a real-time issue on the business playing field.

2019-09-1722 min

Answers That Count - Hosted By Charles Musgrove Wills & Trusts - Reasons to Take Action Before It's Too LateCharles Musgrove and guest Nicholas Fugate discuss the need for wills, trusts, power of attorney and much more. Check out this episode to learn how it all works and the relationship of wills, trusts and corporate documents like operating agreements and stockholders agreements.

2019-09-1022 min

Answers That Count - Hosted By Charles Musgrove Legalized Medical Marijuana and the Work PlaceHost Charles Musgrove and guest Scott Callen discuss the impact that legalized marijuana has on the work place. Federal laws and State laws conflict, employee and employer perspectives potentially diverge and present a land mine for the employer to navigate. Listen for an entertaining and informative discussion and learn tips on the issue and what the employer should do to prepare and protect for what could happen.

2019-09-0222 min