Hear timely insights on marketplace conditions, proposed legislation, innovations, research, and success strategies from industry leaders, lawmakers, experts, and icons to help you propel your business forward and THRIVE.
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Walkthroughs of insurance in movies & TV, interviews, relevant news and book reviews. A monthly podcast about how insurance is supposed to work.
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https://www10plusbrand.com https://www.10PlusProfile.com 1-888-288-4533 Sign up for 10 Plus Brand’s Newsletter: https://10plusbrand.substack.com/embed 10 Plus Brand’s Youtube: https://www.youtube.com/@10plusbrand 10 Plus Brand Inc.’s founder, CEO Joanne Z. Tan started the first episode of #10PlusPodcast on July 5, 2019. Since then, we have produced hundreds of episodes on brand building and digital marketing tips, which are always thought provoking and cutting edge, as well as in-depth Inter ...
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Fed Cuts Interest Rate, Businesses Need Proper Insurance, Labor Tops Inflation Among Concerns
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The Federal Reserve finally cuts the interest rate, but Gene Marks is tepid on how much a quarter-point will really spur the economy since banks are still making it difficult for small businesses to access capital. Still, he talks about it being a step in the right direction on this week’s episode, which also shares results of a survey that show 30…
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Consumer Spending Trends, Cash Flow Challenges, and the Retail Worker Safety Act
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In this week's episode, Gene Marks discusses concerns from a recent Wall Street Journal report about rising credit card delinquencies and higher interest rates, noting that banks, including Citibank, are worried about consumer's abilities to manage their debts. This could lead to decreased consumer spending, which impacts businesses across various …
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Brewing Success: How Starbucks Boosts Small Business Growth
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A new study from two of Columbia Business School's brightest minds, Jinkyoung Choi and Jorge Guzman, reveals a striking correlation between the opening of Starbucks locations and a subsequent increase in local business activity. Specifically, neighborhoods witnessing the entry of their first Starbucks saw approximately a 5% uptick in new businesses…
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A Pinhole into a Multiverse_A short poem by Joanne Z. Tan_Season 2, Episode 37
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Is our system-to-system way of modern living in harmony with the celestial way of life? Poet Joanne Z. Tan analogizes religion as a pinhole into infinity."Through a Pinhole into a Multiverse" By Joanne Z. Tan (To watch this as a 2-min video To read as a 1-min blog ) From systems to systems, Our lives are lived daily: System of a society, System of …
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Why is LinkedIn Personal Branding & Optimization Important in AI Age? _ Season 2, Episode 36
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A unique, authentic, and powerful personal brand, professional brand, and a business brand on LinkedIn - why LinkedIn optimization with personal branding makes winners and losers in the AI Age?Do you want to sound like an AI robot? Do you want to be one of many or stand above the crowd with brand power? We just re-branded 10PlusProfile.com, our sub…
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Earnings Growth Falls, Job Openings Decline, and Direct Provider Health Care Contracts
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Hourly earnings growth fell below 3% for the first time since January 2021, according to the Paychex Small Business Employment Watch, which indicates the labor market is softening. Job openings have also decreased to pre-pandemic levels, also noting a softening labor market. Gene Marks notes that it could create opportunities to hire. Employers loo…
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Banks Tighten Lending Standards, DOL Tip Credit Rule Tossed, and 2025 Pay Raise Rate
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Small and midsized businesses are feeling pinched as banks hold on to money rather than loaning it out, citing an uncertain economic outlook. Gene Marks says there is still funding to support those in need – and it isn’t the half-point the Fed might cut interest rates. At least businesses in the service industry don’t have to deal with the DOL’s ti…
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Soaring Healthcare Costs, FTC Non-Competes Ban, and Risk of BOI Reporting Fines
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With predicted healthcare cost hikes to be as high as 9% in 2025 and annual enrollment approaching in a few months, Gene Marks employers prepare now. Consider offering multiple plans at multiple prices, going the HRA route, or consider captive insurance potentially to offset costs. Gene also discusses the court battle about the FTC non-compete ban,…
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Customer Loyalty & Brand Loyalty Programs for B2B Services in the Age of AI_Joanne Z. Tan _Season 2, Episode 35_Joanne Tan
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In the AI age, decision paralysis can drive customer loyalty, and is an opportunity for developing brand loyalty so long as a brand leads the market. B2B services need to rewards customers with loyalty programs.In the AI age, loyalty rewards and customer experience are the differentiators. AI will level the competitive playing field for many produc…
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Consumer Spending Defies Inflation Fears, Small Business Owners Show Confidence, SBA Offers Line of Credit
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With July numbers in, the economy looks to be doing better than expected. Gene Marks points to an uptick in consumer spending, including with motor vehicle sales, and wages keeping pace with inflation. And even the inflation numbers look positive, although Gene says the rates for services such as childcare and insurance are skyrocketing and concern…
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Wanted: Skills Not Degrees, AI for Customer Service, Help with Health Insurance
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At least one-third of business owners have widened their job search, according to a recent survey. These companies no longer require a bachelor’s degree for certain jobs, looking more so at the skills the applicants possess to do the role. Gene Marks says smart is smart and there are advantages to eliminating degree requirements. He also dives into…
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Break Through Barriers in Our Own Minds - a true story_Season 2, Episode 34
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Achieving mental and psychological break through is best by doing, not just talking: This is a true story that not only helped with a breakthrough to start Joanne Tan's first book, but also taught her that in serving and leading others, we actually have served and empowered oneself.Joanne was asked to volunteer to hold the wood boards for others to…
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Wage Growth Near Inflation Rate, Business Acquisitions up 25%, and the Cost of Shoplifting
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Earnings growth has shown modest gains for seven months, according to the Paychex Small Business Employment Watch, but the annualized 3.16% gain hovers right around inflation. Gene Marks explains what this could mean to businesses and employees. Business sale prices are up 25%, including a 17% jump in the service industry. Why? Millennials are buyi…
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Great Resignation 2.0, Job Post Ghosting, and Retail Workplace Safety Survey
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Businesses might want to prepare for Great Resignation 2.0 after a survey revealed that 30% of employees said they plan to quit their jobs by year-end. Why? Poor pay, lack of satisfaction, but Gene Marks points out that there is one “benefit” that can satisfy the dissatisfied Millennials and Gen Xers from the survey. Job seekers are experiencing si…
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High Sierra Adventure True Stories, Part 1 of 3 - Joanne Z. Tan, Season 2, Episode 33
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This is Part 1 of 3 of true adventure stories. (The video and blog versions also show photos taken there). Each Part has heart warming, funny, and adventure stories full of wise lessons.The High Sierras' jagged granite peaks, wild and lush, secluded meadows, pristine, snow-melt creeks and lakes cleanse the souls and refresh the minds and hearts of …
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Worker Classification: Administrator Looman Explains Key Changes by USDOL
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Worker classification is complex and can be daunting for any business to navigate. In this episode of Paychex THRIVE, a Business Podcast, Gene Marks with Administrator Jessica Looman from the Wage and Hour Division of the U.S. Department of Labor the latest changes in regulations. Learn about the economic realities test, key definitions under the F…
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More Benefits Amid Rising Costs, Living Paycheck to Paycheck, and Web Accessibility Lawsuits
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The cost of health benefits is rising, but employers say they are prepared to maintain their current employee health plans. Gene Marks shares news about a study that said nearly half of employers surveyed said they would cover the costs, and many would add alternative benefits. That’s good news considering other topics on this week’s episode reveal…
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Flexibility and Leadership in the Workplace
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With a multigenerational workforce, understanding the unique needs of each – Baby Boom to Gen Z – is crucial for your business in managing employees, as well as from the standpoint of recruitment and establishing a workplace culture. Host Gene Marks speaks with Diana Scott, U.S. Human Capital Center Leader at the Conference Board about shifting pri…
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The Recruitment Process: Navigating AI and Human Collaboration
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We explore the dynamic integration of AI in recruitment and talent solutions, as Operational President Dawn Fay of Robert Half shares her three decades of experience on Paychex THRIVE, a Business Podcast. The episode delves into the significant efficiencies AI brings to the candidate matching process, yet also emphasizes the importance of human int…
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Small Business Employment Watch, Other Sources: Jobs Available, Qualified Candidates Are Not
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The Paychex Small Business Employment Watch reports that employers keep adding jobs, although the pace is slowing. A report by the National Federation of Independent Businesses shows employers have solid hiring plans but nearly 40% failed to fill open positions – with 85% saying they had no qualified applicants. Another report says businesses are f…
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Part 3 of 3-pt Interview of Tani: SCOTUS Ethics Rules,Term Limits, Rank Choice Voting, Democracy_Episode 32, Season 2
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"The ramifications and consequences of the US Supreme Court's decision on Presidential Immunity will be long lasting," said former Chief Justice of CA Supreme Court Tani Cantil-Sakauye, currently the President of PPIC (Public Policy Institute of California), in the 3rd and last part of the interview with Joanne Z. Tan, where she discussed Rank Choi…
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Part 2 of 3: The Golden State is Losing its Shine - What Are the Problems with California Economy?_Episode 31, Season 2
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Is the Sun setting on California? Is the Golden State losing its shine? Drought, aging population, declining immigration, budget deficits, high cost of living, homelessness, exodus of families and businesses, brain drain, obsolete labor laws, upcoming AI legislations and taxes ... hear fact-based insights from the President of PPIC (Public Policy I…
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Part 1 of 3: Only in America: The personal journey of former Chief Justice of CA Supreme Court; How to be a critical thinker?_Interview by Joanne Tan_Episode 30, Season 2
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Get inspired from the personal journey of the President of PPIC (Public Policy Institute of California) Tani Cantil-Sakauye, who was also the former Chief Justice of CA Supreme Court for 11 years. Learn why critical thinking is so important today, and hear Tani's other insights shared with Joanne Z. Tan, host and producer of "Interview of Notables …
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Save US Democracy: Voters have more choices than two-party candidates with Rank Choice Voting - Excerpt from Interview of Former Chief Justice of CA Supreme Court _ Episode 29, Season 2
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The 2024 Presidential Election is revealing the limitations and flaws in the US two-party system. The framers of the US Constitution never specified that there would be just two political parties. Many current democracies in other countries have a parliamentary system with multiple parties and more diverse voices. Rank Choice Voting, as already ado…
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New Final OT Rule: What Businesses Must Know about Compliance
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With the U.S. DOL's New Overtime Rule taking effect July 1, FLSA-covered employers across the country are subject to the rule's updated salary thresholds for Executive, Administrative, and Professional white-collar exemptions and HCE employees. The DOL is, however, temporarily restrained from enforcing the rule against the state of Texas, as an emp…
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US Supreme Court Justices Term Limits and Ethics Rules: Interview Excerpt of Former Chief Justice of CA Supreme Court_by Joanne Tan_Episode 28, Season 2
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Why are the STATE supreme court justices subject to ethics rules, while the US supreme court justices are NOT? Who should hold SCOTUS accountable? What does it take to have age-based term limits for SCOTUS, PROTUS, members of US Congress and Senate, and officials at all levels of the federal government? Hear insights from the President of PPIC (Pub…
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The Entire Interview of Former CA Supreme Court Chief Justice Tani Cantil-Sakauye, by Joanne Z. Tan_Episode 27, Season 2
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Tani Cantil-Sakauye, former Chief Justice of California Supreme Court for 11 years, and current President of the Public Policy Institute of California, was interviewed by Joanne Z. Tan, host and producer of "Interviews of Notables and Influencers" of 10 Plus Podcast on June 24, 2024. Around 22 questions and answers are presented in three parts: Par…
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One Billion Tax Dollars for Housing California's Homeless are Missing, said PPIC President in an Interview - Episode 26, Season Two
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At least one billion in tax dollars are unaccounted for, and the money was marked for helping the homeless in California, already disbursed to counties and cities from State Government. Hear the shocking truth from the President of PPIC (Public Policy Institute of California) Tani Cantil-Sakauye, former Chief Justice of CA Supreme Court for 11 year…
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Education Missing on Job Postings, Taxing Unrealized Gains, and the Best and Worst Business States
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A study from job posting platform Indeed shows that 70% of postings in U.S. this past year did not include years of experience and education. Gene Marks shares insights on this trend, including that on-the-job training seems to be the preference. This episode also looks at the potential of an increased tax on small businesses based on a Supreme Cou…
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The Impact from the Upcoming Ruling by US Supreme Court on Absolute Immunity or Limited Immunity for PROTUS_Interview Excerpt of Former CA Supreme Court Chief Justice_Episode 25, Season 2
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There will be long lasting and significant ramifications and consequences for our democracy and the Republic, by this week's US Supreme Court's ruling on Presidential Absolute Immunity or Limited Immunity, said former CA Supreme Court Chief Justice Tani Cantil-Sakauye, in an interview with Joanne Z. Tan. As we are all waiting for the landmark rulin…
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Strategic Succession Planning: Secure Your Family's Business Future
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American Crane in Pennsylvania is a perfect example of succession planning done right. President and CEO Karen Norheim shares the ins and outs of how the company she co-owns with her sister maneuvered from her late father to his daughters, and how they are now supporting and fostering the third generation. In her conversation with Gene Marks on Pay…
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CA Offers PFL Grants, Sales of Small Businesses Up, and NY to Outlaw Restaurant Reservation Bots
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Some employers in California can get some financial help to cover the expenses of having workers out on Paid Family Leave under a new grant program that offers up to $2,000 per employee. Gene Marks shares details, as well as spotlights the recent increase of the sales of small businesses – noting that it is an excellent way for the next generation …
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Recruitment Innovation: Dice.com Leverages Job Postings for Tech Hires
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What should an effective recruitment site have to draw interest from the top technology professionals? Gene Marks has a conversation with Art Zeile, CEO of the established recruiting platform Dice to find out more. Zeile shares insights on including culture and other aspects of your company to create a better picture for potential candidates, as we…
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DOL’s Overtime Rule, Increase in Job Growth, Capital Loan Program, and Businesses Not Offering 401(k) Plans
10:43
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Gene Marks delves into various key topics in this episode. He starts by discussing the impact of the Department of Labor's new overtime rule, effective from July 1. The rule not only adjusts financial thresholds for overtime pay eligibility but also emphasizes fair compensation across industries, urging businesses to align with these new norms. Vie…
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Redefining Small Business Operations in the Digital Age
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With technology evolving at lightning speed, small businesses are increasingly looking towards artificial intelligence (AI) and automation to streamline operations and foster growth. Irana Wasti, chief product officer at BILL, joins this episode of the Paychex THRIVE podcast to shed light on this trend. She highlights the transformative potential t…
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AI: Principles of Well-Being for Policies, a Google Rollback, Level the Business Playing Field
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Artificial intelligence is everywhere, so much so that the U.S. Department of Labor issued principles for developers and employers on worker well-being. Basically, as Gene Marks explains, this is a roadmap to create policies that offer protection and benefits in the deployment of AI at work. Why? Well, look at Google rolling back some features afte…
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What jobs will be substantially replaced by AI? - Pt. 2 of 2, Summary of GenAI Summit, SF_Joanne Z. Tan_Episode 24, Season 2
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Joanne Tan, AI Experience Design (AIXD) consultant for UX, CX, CSAT, explains the latest Gen AI job and data opportunities and losses.(Continued from Pt. 1 of 2.)What is the difference between an AI Co-pilot and an AI Agent?What jobs will be substantially replaced by GenerativeAI?Data protection and Data Use: land grab or monetize what data?When AI…
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CA CPA Spotlight: CalCPA CEO Says Learn from Tech, Change, and the Next Generation
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CalpCPA President and CEO Denise Froemming discusses the dynamic shift of the accounting profession and inroads being made to attract the next generation of savvy workers, including how to align the image of what a CPA could be more closely with the values of Gen Z. She shares with host Gene Marks on Paychex THRIVE, a Business Podcast, the reason f…
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Where is GenAI going? How Fast? - A Summary of a 3-day GenAI Summit in San Francisco, Part 1 of 2_Episode 23, Season 2_Joanne Z. Tan
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Where Is Generative AI heading? How fast? How long will it take to overcome bottlenecks & obstacles? What is the difference between an AI Co-pilot and an AI Agent?AI Jargon for “Non-Nerds” and AI Newbies To read as a blog To watch as a video © Joanne Z. Tan All rights reserved. ========================================================= - To stay in …
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Strategies for Today's Markets: Adapting to the New Investment Landscape
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On this episode of Paychex THRIVE, Gene is joined by investment guru Lyn Alden, founder of Lyn Alden Investment Strategy. They delve into the complex world of the stock market and examine the tactics needed to make successful investments. From using the traditional 60/40 portfolio model to selecting individual stocks to evaluating cryptocurrency, L…
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OSHA Walkaround Rule Challenged, Secret PTO, and a Proposed Six-Day Workweek
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Some small businesses have brought a lawsuit against OSHA and its Walkaround Rule, objecting to an inspection policy that they call an overstep onto private property and something that doesn’t advance worker safety. Gene Marks tackles the subject, as well as a new trend called secret PTO by employees and what he calls the foolishness of a proposed …
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NY CPA Spotlight: Innovation and Recruitment Mark the Future of Accounting Profession
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Calvin Harris has one of the most geographically and economically diverse state accounting professional societies to oversee as CEO of the New York State Society of CPAs. He brings his diverse experiences to the role, emphasizing building relationships and partnerships while stressing key factors such as harnessing and leveraging AI to reinvent the…
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Matt Egan on the Latest Market Trends: Interest Rates, Inflation, and Meme Stocks
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With the Dow soaring to a record-breaking 40,000 and the market doubling from its COVID lows just four years ago, the current financial climate is buzzing with potential. Gene is joined by CNN Business Reporter Matt Egan to discuss this and other hot market topics on this week’s episode of Paychex THRIVE. Matt shares the impact a steady rise in the…
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Prenatal Paid Leave in N.Y., a Shift in Job Openings, and Visa Looks to Fewer Credit Cards
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New York has done what no other state in America has, but what will offering 20 hours of prenatal paid leave to employees – on top of other leave time they are entitled to under the law – mean to employers? Gene Marks has a few thoughts on the topic, including that this might become a national trend. Job openings are down one-third since 2022, but …
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Steve Jobs' Secret Sauce for Turning a Startup into Apple: 3 Elements of a Unicorn_Joanne Z. Tan_Episode 22, Season 2
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Vision, Brand Focus, Experience Design are Steve Jobs’ secret sauce for growing a garage startup into Apple, and they are the 3 Elements of an AI Unicorn no matter what products or services. Steve Jobs did it right by STARTING with user journey and user experience at the very beginning, from day one, BEFORE making any products, BEFORE engineering, …
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Florida CPA Spotlight: How Will Specialization and AI Shape Accounting Profession?
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CEO Shelly Weir discovered that her notions of what CPAs were like differed from who they actually are when she came to the Florida Institute of CPAs. Putting aside the “number crunchers” concept, she has leaned into their strategic and critical thinking skills and their people-person approach to help revamp educational efforts to the next generati…
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Worker Classification 101: What Business Owners Need to Know
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This week on Paychex THRIVE, class is in session with Shefali Milczarek-Desai, a distinguished scholar and associate professor of law at the University of Arizona. She joins Gene to explore the complex subject of worker classifications as understanding its intricacies is more than a compliance exercise — it's an operational necessity. Shefali provi…
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A message for entrepreneurs: Just Do It! _ by Joanne Z. Tan_Episode 21, Season 2
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Many entrepreneurs hold themselves back with fear, complacency or over thinking rather than taking action. Success comes from embracing imperfection and taking calculated risks to achieve personal and entrepreneurial growth, per Joanne Z. Tan. To read as a blog To watch as a video © Joanne Z. Tan All rights reserved. ===============================…
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Changes to SBA Loan Process, Pet Bereavement Leave, and Gen Z Eyes the Trades
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A revamp of the lending structure has some people praising a more streamlined process to get an SBA loan, while others are mad at the additional complexities involved. Regardless, Gene Marks says SBA loans are still a great way to go for small businesses seeking funding. A study finds that pet bereavement leave has many advantages – recruitment, th…
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NJ CPA Spotlight: Raising Awareness, Building Talent Pipeline to Unlock Potential of Next Generation of CPAs
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Aiysha “AJ” Johnson, CEO and Executive Director of the New Jersey Society of CPAs, says raising awareness at an earlier point in the education process is key to creating a successful pipeline in the accounting profession. The validation of that choice comes when individuals realize the many avenues a CPA can take to help any business in any industr…
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