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Small Business Funding

David Smart, CEO Of Smart Benefit Group, Discusses Transitioning From An Accumulation To A Distribution Mindset. [Video]

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-david-smart-ceo-of-smart-benefit-group-discussing-transitioning-from-accumulation-to-distribution-mindset/ David shares his journey in the financial services space, including loan originations, selling life insurance and mutual funds, and working in the Medicare sector.  Transitioning from an accumulation mindset to a distribution mindset is a critical aspect of retirement planning, as David explained; here […]

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Small Business Funding

John and Matthew Gaudreau mourned at their funeral [Video]

John and Matthew Gaudreau were remembered as loving brothers and husbands who put family above hockey and everything else at a tearful funeral held Monday, a week and a half after they died when they were struck by a suspected drunken driver while riding bicycles in their home state of New Jersey.Widows Meredith and Madeline Gaudreau described their husbands as attached at the hip throughout their lives. John was 31 and Matthew 29.Everything was always John and Matty, said Meredith Gaudreau, John’s wife, who revealed she was pregnant with the couple’s third child. I know John would not be able to live a day without his brother. He loved him so much.Buses brought players and others to St. Mary Magdalen Catholic Church and a crowd of hundreds walked in for the service, including several children wearing Gaudreau No. 13 jerseys worn by the NHL player known to fans as Johnny Hockey. Columbus Blue Jackets teammate Patrik Laine, Cole Caufield of the Montreal Canadiens, NHL Commissioner Gary Bettman and longtime executive Brian Burke were among those in attendance.It just shows the true honor and respect that everybody gave them. Just cant imagine what theyre going through,” Caufield, who will wear No. 13 in honor of John Gaudreau, said outside the church before the funeral. “Just the amount of people that are here today and yesterday, just anything we can do to help.Meredith Gaudreau singled out two of John’s closest friends, Sean Monahan and Kevin Hayes, in a eulogy that lasted more than 30 minutes.Youve both known John longer than I have, which means you helped shape him into the man I fell in love with,” she said. “He looked up to you both on and off the ice. You are his brothers, which means youre my brothers, too. Thank you for being there with me when youre experiencing such a great loss, as well.John, an All-Star for the Calgary Flames and Columbus Blue Jackets, and Matthew, who played NCAA hockey alongside his brother at Boston College a decade ago, died on the eve of their sisters wedding.The Rev. Tony Penna, the director of campus ministry at BC, asked those inside the church to look around at how many people made the trip to the Philadelphia suburbs to pay their respects, calling it a source of comfort for parents Guy and Jane.By the overwhelming presence and overwhelming number of people here today, theyre sending a message to you loud and clear that John and Matthews lives mattered, that they were noticed on this earth, they were loved on this earth and they were valued on this earth, Penna said. “This robust crowd wants you to know that theyre here to tell you, all of you, that they love you, too, and they have your back and theyre here to support you in our loss.The Gaudreau brothers were cycling on a road in Oldmans Township at about 8 p.m. on Aug. 29 when a man driving an SUV in the same direction attempted to pass two other vehicles and struck them from behind, according to New Jersey State Police. They were pronounced dead at the scene.The driver, who faces two counts of death by auto, along with reckless driving, possession of an open container and consuming alcohol in a motor vehicle, has been jailed pending a Sept. 13 hearing.I urge everyone to never drink and drive,” said Madeline Gaudreau, Matthews wife. Call a ride. Please do not put another family through this torture. The loss of Matty and John will leave a hole in the family, with his close friends, the community for eternity.A GoFundMe to support Madeline Gaudreau, who is pregnant with the couple’s first child, has surpassed $645,000, with donations from nearly 9,000 people pouring in, many from NHL players and their families.The funeral Mass was full of emotion, with the brothers’ caskets sitting side by side in the church, much like their twin-sized beds in their childhood home in Carneys Point, New Jersey. While sharing memories of their husbands, their widows repeatedly mentioned John and Matthew’s inseparable bond.John took care of Matty, and Matty would take care of John, Madeline Gaudreau said. “Meredith said it best: You do not hear one name without the other. They were so extremely proud of each other.Meredith Gaudreau’s father, Ed Morris, speaking on behalf of the family, said the only goal moving forward is to attempt to replicate how the Gaudreau brothers lived.John and Matty will be so happy if the world learned about how they lived their life and we all improved our lives as a result, Morris said afterward. “Thats the greatest gift we can give John, Matt and the Gaudreaus, who are in deep pain.John and Matthew Gaudreau have been mourned across the sports world, including in Columbus, Ohio, where the older Gaudreau signed in 2022 as a free agent with the small-market Blue Jackets over more lucrative free-agent offers from other teams.He did it to be closer to his family, plain and simple,” Meredith Gaudreau said. “He wanted his parents and his siblings to be able to see more games and spend more time with us and our baby on the way.Fans and Blue Jackets players gathered last week for an emotional candlelight vigil, and a similar gathering was held in Calgary, where John Gaudreau played his first eight professional seasons with the Flames.The brothers’ lives have been celebrated on social media since their deaths. Katie Gaudreau, the little sister who was supposed to get married the day after the brothers were killed, posted pictures of her family in happier times.”God really did draft the best two boys,” Madeline Gaudreau said. “Linemates forever.

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Small Business Funding

Mother of mass shooting suspect called Apalachee High School with warning [Video]

The mother of the teenager suspected of killing four people during a Georgia school shooting called to warn a school counselor before the shooting, the suspects aunt and grandfather said Saturday.Video above: Georgia school shooting suspect’s father arrestedColt Gray, 14, apologized to his mother Marcee Gray on the morning of the mass shooting at Apalachee High School sending an alarming early-morning text that prompted the mother to warn the school, his grandfather told the New York Post.Marcee Grays father, Charles Polhamus, told the New York Post his daughter was at his home in Georgia on Wednesday morning when Colt texted her to say: Im sorry, mom.Colt has been charged with four counts of murder after committing a mass shooting earlier this week at Apalachee High School in Winder, Georgia, prosecutors said. He will be tried as an adult.Marcee Gray broke her silence Saturday, apologizing for the absolutely horrific shooting.I am so, so sorry and can not fathom the pain and suffering they are going through right now, she told the Washington Post in a text.The mother called the school about an unspecified extreme emergency involving Colt sometime before the shooting began, Grays sister Annie Brown told the Washington Post and later confirmed to CNN.A 10-minute call was placed from Marcee Grays phone to the school at 9:50 a.m., the Washington Post reported. Police were notified of the shooting around 10:20 that morning, CNN previously reported.Marcee Gray later confirmed the call to the Washington Post, which reported Gray declined to elaborate on what had prompted her to call in the warning to the school, but said she had shared that information with law enforcement.According to the Post, Brown has a shared phone plan with the family which allowed her to see a log of the calls made by her sister.The Barrow County School District did not return CNNs request for comment. The Georgia Bureau of Investigation referred CNNs request for comment to the Piedmont Judicial Circuit District Attorneys Office.CNN has reached out to the Piedmont Judicial Circuit District Attorneys Office Saturday evening. CNN has also reached out to Barrow County Sheriff Jud Smith, who previously said he did not know any phone call to the school before the shooting.The 14-year-old suspect is expected to face additional charges accounting for the injured victims, officials said Friday.A community grievesAs more information continues to emerge about the circumstances surrounding the attack, a small Georgia community is grieving the two students and two teachers who died Wednesday in the 45th school shooting of 2024 and the deadliest U.S. school shooting since the March 2023 massacre at The Covenant School in Nashville.In the days since the tragic attack, Apalachee students have given harrowing accounts of the courageous actions they took to protect their classmates and teachers in the face of senseless violence.In one classroom, a 14-year-old said she kept the suspect from getting through the door when she saw him pull out a gun. After a teacher in another classroom was shot, students say they pulled him back inside and used the shirts off their backs to try and stop his bleeding while barricading the door with desks and chairs. Even with a gunshot wound, one teenage boy said he raced to close the classroom door to prevent the shooter from entering.Victims families wiped away tears or clutched stuffed animals as they sat in the Barrow County courtroom Friday during Colt Grays arraignment, where he declined to enter a plea to the charges against him.Prosecutors allege Gray fired an AR-style rifle on campus Wednesday morning, killing four people. Nine others were injured, all but two of whom were shot, the Georgia Bureau of Investigation said.Because of his young age, the maximum penalty Gray could face is life in prison with or without parole, Judge Currie Mingledorff told the teenager in court. In 2005, the U.S. Supreme Court ruled no one can be put to death for crimes committed before the age of 18.Grays father, Colin Gray, 54, faces a maximum sentence of 180 years in prison for four counts of involuntary manslaughter, two counts of second-degree murder and eight counts of cruelty to children.An arrest warrant for Colin Gray alleges he gave his son a firearm with knowledge he was a threat to himself and others. He declined to enter a plea at his first court appearance Friday, and neither he nor his son have asked for bond to be set at their hearings.Im just trying to use the tools in my arsenal to prosecute people for the crimes they commit, Barrow County District Attorney Brad Smith said.CNN on Saturday sought comment from the public defenders representing Colt Gray and his father.Smith said he expects additional charges against Colt Gray in connection with victims who were injured during the shooting. Authorities on Thursday said all nine people wounded in Wednesdays shooting are expected to make a full recovery.The next step in the case against Gray will be a grand jury meeting on October 17. This will be followed by a scheduled arraignment before the trial process is started, Smith said. His preliminary hearing is scheduled for December 4, Mingledorff said.For survivors and others, a community recovery center will open in Barrow County on Monday to offer financial assistance, legal services and spiritual and mental health care, the Georgia Emergency Management and Homeland Security Agency announced Friday.Heres what we know so far: Suspect will be tried as an adult: Colt Gray, who is being held at the Georgia Department of Juvenile Justice, is slated to remain there while in custody until he turns 17, Glenn Allen, the agencys spokesperson, told CNN Thursday. Under Georgia law, a juvenile aged 13 to 17 who commits a serious crime is automatically tried as an adult. The four people killed: The shooting at Apalachee High School claimed the lives of two 14-year-old students Christian Angulo and Mason Schermerhorn, as well as two teachers 53-year-old math teacher Cristina Irimie and 39-year-old assistant football coach Richard Aspinwall, who also taught math. Authorities say Irimie was celebrating her birthday with her students the day she was shot and killed, according to a family friend. Nine injured are expected to make a full recovery: Of the nine other people injured, seven of them six students and a teacher were shot, the GBI said Thursday. The other two both students suffered other injuries, the GBI said. Suspect was questioned about online threats: In May 2023, law enforcement officials questioned Colt Gray and his father about online threats to commit a school shooting that included photos of guns, according to a joint statement from FBI Atlanta and the Jackson County Sheriffs Office. Colt Gray, who was 13 at the time, told investigators during that interview that someone is accusing him of threatening to shoot up a school, stating that he would never say such a thing, even in a joking manner, authorities said. Authorities could not substantiate the threats and the investigation was closed, according to the sheriffs office. Suspects father gifted him the gun involved in the shooting: Two law enforcement sources with direct knowledge of the investigation said Colin Gray told authorities he purchased the AR-style rifle used in the school shooting as a holiday present for his son in December 2023 just months after authorities initially contacted the father about the online threats. Suspect had writings on past school shootings: During questioning, Gray told investigators, I did it. As authorities searched his home, they found documents that they believe he wrote referencing past school shootings, including references to the 2018 massacre at Marjory Stoneman Douglas High School in Florida, a law enforcement source told CNN. Shows of support: Ahead of the Georgia Bulldogs kick-off against the Tennessee Tech Golden Eagles Saturday, a moment of silence was observed to honor those affected by the shooting. Also on Saturday, in front of the high school, more than 100 motorcyclists from different motorcycle clubs staged a rally to show their support.Student says she didnt open the door after spotting a gunBri Jones, 14, was in the second period Wednesday when Colt Gray left the classroom, Jones said. We didnt notice he left, Jones said, adding that Gray was always quiet.But Gray came back and knocked on the door, Jones said.Bri said she peeked out the door before she opened it because thats what her mom taught her to do.As I was looking at the door, he was pulling his gun out, and then I froze up, like I froze up and I said no to myself, she said.The teacher asked for the door to be opened, Bri said, because she didnt know he had a gun because she was at her desk. As she went to open the door, I was like, No, he has a gun, Jones said.Then, the shooter looked up at them before turning and firing shots, Jones said.He was looking at me, my teacher, and then somebody was in the hall, she said. He turned his head and he just started shooting.The students then ran to the back of the class and the teacher turned off the lights, Bri said.Once he started shooting, its like he kept going, it was so many gunshots after gunshots, she said. It felt like he was just shooting forever.If she had opened the classroom door, Bri said she believes the suspect would have got every single one of us in that class.Another student, 14-year-old Ronaldo Vega, immediately took cover under his desk when the shooting began in his second-period math class, he said. Ronaldo was injured amid the four to six shots fired, but he still stood up quickly to close the classroom door so the shooter couldnt come back, he said.Only after seeing one of the bullets behind the teachers desk did he realize he had been shot and was bleeding, Ronaldo recounted.Students took the shirts off their backs to try to save their math teacherRichard Aspinwall, a math teacher, heard commotion outside his classroom and entered the hallway to see what was going on. When he did, he was shot in the chest by the 14-year-old suspect, according to family friend Julie Woodson, who cited accounts by Aspinwalls students.We had to watch our teacher come back in the classroom holding himself like hes been shot, and fell to the floor, 17-year-old Malasia Mitchell said. And as he kept going, my teacher was shot again.Students in the class say they pulled Aspinwall back into the classroom and used the shirts off their backs to try and stop their teachers bleeding, according to Woodson.Meanwhile, the students closed the door and protected themselves with desks and chairs, Mitchell said.Woodson said Aspinwall died as a hero trying to save his students lives.If he didnt walk out and take the bullet who knows what wouldve happened, Woodson said.Malasia remembered her teacher as a great guy with such a happy spirit someone who wouldnt want her to ever give up.He wouldnt want me to just stop coming to school, she said. He would want me to keep going.CNNs Ashley R. Williams, Rebekah Riess, Holly Yan, Mark Morales, Ryan Young, Isabel Rosales, Chelsea Bailey, Sara Smart, Jaide Timm-Garcia, Raja Razek, Jade Gordon and Steve Sorg contributed to this report.

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Small Business Funding

Act Now: Two Key Student Debt Relief Programs Expire Sept. 30 [Video]

If youve been skipping your federal student loan bills, or you have defaulted loans, your time is running out to get back on track without harsh consequences. Two key pandemic-era relief programs are set to expire on Sept. 30: the student loan on-ramp and the Fresh Start program. Millions of borrowers are benefitting from the

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Small Business Funding

High Five Grants for Moms $10k closing sept 17 [Video]

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