Over the last three years entrepreneurship has soared. In 2021, U.S. small businesses—defined as small businesses with fewer than 500 employees—topped 32.5 million, accounting for 99.9% of all U.S. businesses. Businesses with fewer than 10 employees account for 78.5% of the businesses in the U.S. Small businesses employ almost half of the U.S. workforce. Entrepreneurs are a vital part of keeping the economy turning. They are the fabric of the global economy. They accelerate economic growth, stimulate innovation, and promote social change. 1. Entrepreneurs accelerate economic growth. Creating new products and services stimulates employment and accelerates economic development. A large number of entry-level jobs are created by small businesses – small businesses turn unskilled workers into skilled workers. They contribute to new wealth by stimulating economic growth. 2. Entrepreneurs solve problems through innovation. Entrepreneurship is driven by either necessity—jobs do not exist or are not being created—or lack of opportunity—a niche or market sector is not being filled. Solving problems that existing products or services have not solved is the cornerstone of entrepreneurship. It is driven by innovation. 3. Entrepreneurs drive social change. More recently, entrepreneurship has a focus on social change. Many of the new technologies and services created through entrepreneurship are created to improve lifestyle. Innovative thinkers are using entrepreneurship to build a more just and sustainable world. So, what is an entrepreneur? According to Investopedia, an entrepreneur is someone who takes on risk to start their own business based on an idea. It’s scary. And not everyone is cut out to take on those kinds of risks. When you’re starting out there’s an apparent safety net included with a j-o-b. You do the work and you’re paid for the work you do. That’s not the case when you step out on your own. You might work for weeks, months, or even years barely getting by. But what if the jobs don’t exist? What if you start your job only to receive a pink slip due to restructuring? What do you do then? Young people have more opportunities today than ever before. We’re living in a digitally connected global economy. So, you need to ask yourself: Can I do it? Is entrepreneurship right for me? More and more young people are saying “yes.” Here’s what you need to know. 1. Entrepreneurs are always on. In the past, these people were characterized as inherent salespeople, naturally outgoing, with an ability to talk to anyone. That’s not necessarily the case anymore. “On” is defined in new ways. Where before it was all about in-person outreach, today, social media makes it possible for even the most introverted person to tackle outreach. But you must be “on.” Entrepreneurs are always in-tune with what is going on around them – how can their idea succeed while they make money in the process? 2. Entrepreneurs are confident. Another trait common to entrepreneurs is their confidence – they tend to be more decisive (a huge leadership quality) and they deeply believe in their vision. It’s great to have a cheerleader in your corner, but at the end of the day, you have to believe in yourself to make it happen. True entrepreneurs don’t believe in failure, because everything is an opportunity for growth. That doesn’t mean you can’t wallow for a moment in defeat. It just means while you’re wallowing, you’re innovating. 3. Entrepreneurs never give up. One thing is common for all entrepreneurs: They do not give up. Serial entrepreneurs might go from one idea to the next, but they’re always going. When they fail, they pick themselves up and try again using different methods or talking to different people. Most entrepreneurs don’t get it right the first time. There’s a romantic idea of tinkering on a project before reaching that “ah ha” moment where it works, and you make lots of money. That’s not the reality. That idea likely went through numerous iterations and that entrepreneur likely heard the word “no” more than once. We’ve talked a lot about small business and entrepreneurship. But what are the differences? Some sources say no. Small businesses operate on a local level. Entrepreneurs want to disrupt the status quo by bringing an innovative idea to market. The not-so-subtle difference might be that small businesses owners will reach a point of “enough,” but entrepreneurs never reach that point. Two true entrepreneurs of our time include Elan Musk and Jeff Bezos. These men hold the number 1 and 2 spots, respectively, for richest people in the world, yet they continue to innovate. That doesn’t mean that being a small business owner doesn’t take the same guts and stick-to-it attitude of being an entrepreneur or have the same rewards. Because it does. And small business owners are vital to our economic growth. Whatever you believe, making it on your own takes a lot of courage. But the rewards make the journey with it.
Miami, Florida - Yesterday, a federal district judge in South Florida sentenced a 44-year-old former actor and movie producer from Bartlesville, Oklahoma, to 262 months in prison for his role in a financing scheme that defrauded investors out of more than $60 million. The defendant, Jason Van Eman, also was ordered to pay certain victims over $9 million in restitution. The sentence comes after a federal jury found Van Eman guilty of conspiracy, wire fraud, and money laundering in May. According to the evidence, Van Eman held himself out as a film producer and financier, offering to fund independent motion pictures, Broadway shows, music festivals, and other productions. Van Eman promised the victims (producers and others seeking financing), that his partner (a co-conspirator named Benjamin McConley) would match any cash that the victims contributed to their projects. Then, with the combined starting capital (which made the projects more attractive to investors), McConley would apply for and secure financing from financial institutions. Based on these lies, victims sent over $60 million to accounts controlled by the fraudsters. Contrary to what Van Eman promised victims, his partner never matched their cash contributions or applied for financing. Instead, Van Eman and his co-conspirators stole the victims' money by transferring it to their personal and corporate bank accounts, often within days of deposit. To make the scam more believable, Van Eman and McConley recruited Benjamin Rafael, a bank employee, whose role was to assure victims that their cash contributions had been matched and that their money was secure - neither of which was true. Van Eman, McConley, and Rafael used the stolen money to purchase luxury automobiles, personal watercraft, real estate, jewelry, home furnishings, designer clothes, hotel accommodations, and private and commercial air travel. Van Eman used some of the stolen cash to fund movies in which he was cast as an actor. Juan Antonio Gonzalez, United States Attorney for the Southern District of Florida, and John J. Bernardo, Acting Special Agent in Charge, Federal Bureau of Investigation (FBI), announced the sentence imposed by U.S. District Judge Raag Singhal. FBI Miami Field Division investigated this case. Assistant U.S. Attorneys Christopher Browne and Yisel Valdes prosecuted it. Assistant U.S. Attorney Emily Stone is handling asset forfeiture. Related court documents and information may be found on the website of the District Court for the Southern District of Florida at www.flsd.uscourts.gov or at http://pacer.flsd.uscourts.gov, under case number 19-cr-20447. ### Español | Creole
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BEAN'S GRANT, NH — A Coventry man was rescued Wednesday after suffering an injury while hiking in the mountains of New Hampshire, officials with New Hampshire Fish and Game said. Around 12:45 p.m., conservation officers were called to Edmands Path in Bean's Grant to help an injured hiker. Michael Haley, 61, was working his way down a steep section of trail when he got hurt, officials said. Haley and his wife splinted his leg and tried to make it down the trail, but officials said he was unable to continue under his own power. So a rescue team of several conservation officers and volunteers from the Pemigewasset Valley Search and Rescue Team came to help. Officials said the first members of the rescue team made contact with Haley just after 3:00 p.m. An assessment was conducted, and Haley was fitted with a brace that was provided by the rescuers. With assistance, Haley attempted to continue down the trail. After approximately 50 minutes of slow progress, the decision was made to place Haley in the litter and carry him the rest of the way down the trail. The rescue team arrived at the trailhead at 5:30 p.m. Haley opted to forgo an ambulance and instead chose to seek medical treatment on his own, officials said.
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Many individuals and households have at least one outdated appliance — a refrigerator, a water heater or a window-mounted air conditioner that they hold onto because of the expense involved with replacing them. Yet the money they save is often more than canceled out by higher utility bills. Upgrading outdated appliances can help low-income households stay in their homes by reducing their utility bills — and by extension, lowering their overall housing costs. The money saved can be used toward other necessities such as food or transportation to work or school. However, it can take years for a new appliance to pay for itself through energy savings. Without incentives, it often simply doesn’t make financial sense for a low-income household to upgrade outdated appliances solely to save on energy bills. This is especially true for renters or homeowners who are unsure about how long they will remain in a given location, or who are unsure about whether they can take new appliances with them when they move. The challenge is in bridging the gap to bring the necessary up-front investment in energy-efficient appliances within reach. That’s where organizations like Elevate and Meadows Eastside Community Resource Organization, also known as MECRO, come in. They coordinate resources such as incentives offered by utilities, grants and low-interest loans, and make them available for low-income households to eliminate this dilemma. Through its headquarters in Chicago’s West Loop, along with offices in downstate Illinois, Michigan, Missouri, Wisconsin, Oregon and California, Elevate works to help homeowners and owners of multifamily units across the country obtain financing to improve the energy efficiency in their homes and buildings. MECRO is located on the busy 79th Street commercial corridor of Chicago’s Southeast Side and focuses its services on residents in the community. (The name Meadows in the MECRO acronym is in honor of Rufus and Everlena Meadows, the parents of Sharon “Sy” Lewis, founder and executive director of MECRO.) Through a collaboration with the City of Chicago, ComEd and Elevate, the National Renewable Energy Laboratory utilized its trademarked ResStock tool and place-based data to develop residential energy efficiency strategies for the city’s residential building stock, primarily comprised of bungalows and other single-family homes built before 1942. Through the Chicago Advanced Building Construction project, a series of simulations was executed, which generated up to $49 billion in potential utility bill savings. An especially significant finding was that sizable savings could be achieved through installing heat pumps and other off-the-shelf technologies. An old refrigerator uses up to three times as much electricity as a newer, energy-efficient model. Energy-certified clothes dryers use 20% less electricity than a standard dryer. Certified clothes washers require between 40% and 50% less energy and 55% less water to operate than conventional washers. Utilities such as ComEd and Ameren in Illinois provide a number of incentives for ratepayers — such as rebates for trade-ins of old appliances — to facilitate the switch for customers to energy-efficient appliances. Elevate has a number of funders that provide grants to heavily incentivize or provide upgrades at no cost for homeowners. In addition, in areas where utility incentives aren’t in place, the Community Development Financial Institutions Fund can provide financing, according to Jackie Montesdeoca, director of building electrification for Elevate. “There are models where we can have a lender include energy efficiency as part of the overall rehab. We do that in the Chicago area, but that’s a model that can be replicated [in other locations]. … The underwriters or the loan officers know that high-efficiency equipment or adding a little more insulation than code requires is going to make that building more resilient [with] lower operating costs, as opposed to a building that didn’t go through those measures in their rehab,” Montesdeoca said. According to U.S. Census Bureau data cited in a 2020 report by the American Council for an Energy-Efficient Economy, utility costs for poor households averaged 8.1% of their income, versus just 2.3% of income spent by more affluent households on utility bills. While the lion’s share of these expenditures was for heating and cooling, household appliances accounted for a significant percentage of utility costs as well. A comprehensive energy efficiency upgrade that includes replacing outdated appliances can translate to savings of 30% or more, according to Montesdeoca. Yet many eligible households remain unaware of these programs, or have the mistaken belief that they do not qualify, according to Lewis. “One of the things that I really try to push is that all of these programs are available, [but there is a] lack of information. You would think somebody who lives in Beverly” — a middle-class, racially diverse community on Chicago’s far Southwest Side — “wouldn’t be income-eligible and they wouldn’t be suffering from housing insecurity. They are. It does not matter. There are very affluent neighborhoods where people are suffering. You know, it’s a lot when you’re making a hundred thousand dollars, [but] there are eight people in your house,” Lewis said. Reducing utility bills by replacing outdated household appliances is a vital tool in enhancing housing affordability through the knock-on effect in freeing up funds that were formerly needed for those bills — funds that can be used for other necessities that enhance overall housing affordability. Even small improvements, such as installing aerators on faucets or converting incandescent lighting to LEDs, can contribute to cumulative money savings, Lewis said. “So, with these little aerators people think, oh, that’s just something cute. No, it’s not. It is saving you water. It’s saving you gallons and gallons and gallons of water. Is it impactful? Yes, absolutely. Will it be able to keep more people in their homes? Absolutely. Because this is now an expense that they do not have to pay on their property, that they can invest on their bills, that they can invest in their property,” Lewis said. Nonetheless, many would-be beneficiaries find it difficult to justify the expense to replace a functional refrigerator or water heater. A lack of awareness about available incentives also contributes to resistance. It’s often necessary to educate people about how the return on investment combined with available incentives and other resources actually helps them save money in the long run, Montesdeoca said. “Owners need a clear expectation of estimated savings related to their upfront investment. We work to make the process easy for them and break down costs along with identifying the funding gap. For a lot of small multifamily owners … these owners don’t have a lot of cash flow to play around with. So if we aren’t bringing incentives, grant dollars, or some kind of financing as a resource it is hard to otherwise make that project work. The best scenario is that we can connect the owner to the problem and the financial tools that can help get to solutions,” Montesdeoca said. Many energy efficiency incentives are geared toward single-family homes, but multi-family building owners and renters also struggle with high utility bills. Energy-efficient upgrades for multifamily units are essential in retaining affordable housing, according to Karen Lusson, staff attorney for the National Consumer Law Center, with offices in Boston and Washington D.C. “The multifamily building market has always been a larger challenge. With the single family, it’s about reaching the homeowner and convincing the homeowner that this makes sense. Ideally, weatherization [and related] services should be provided at zero cost to the homeowner. In terms of the multifamily building owner, there can be variances in terms of the copays. There can be sliding scale copays for the building owner. But if we’re trying to increase the availability of affordable housing, we want to make sure those incentives are large enough, and those copays aren’t so big that they lose interest, or turn down these opportunities to invest in energy efficiency,” Lusson said. Both ComEd and Ameren provide incentives for energy-efficient appliances for multifamily units as well as for single-family homes — working in Chicago and surrounding communities in collaboration with organizations like Elevate and MECRO. Marcia Ellis is the owner of a six-unit property in Chicago’s New City community area located on the city’s Southwest Side. The legacy building, which was constructed in 1924, has been in the family since 1984. Ellis received a free energy assessment through Elevate, a loan through Community Investment Corporation and $44,697 in incentives from ComEd and Peoples Gas Energy Efficiency Programs to cover the cost of lighting retrofits, roof and pipe insulation, bathroom and kitchen aerators, LED lighting, a new high-efficiency boiler and other improvements. The return on investment? An estimated $2,380 in estimated annual savings, not to mention happy tenants. MECRO worked with a senior in the community to improve the energy efficiency of her 100-year-old three-flat. Along with weatherstripping, insulation and replacement doors, the dwelling was fitted out with all-new appliances in each unit, according to Lewis. “She gets three new air conditioners. … And she’s got a freezer in the basement that you could put a body in. It’s not energy efficient. She got a brand-new freezer. She got a stove and a refrigerator for three units, and a deep freezer. And she had her grandson’s college refrigerator. It’s not energy efficient. So, she got one of those. She got a new furnace and a new water heater. So, every appliance in her house is energy efficient. “I visit her from time to time. You can tell the difference. You can literally tell the difference,” Lewis said. And while making the conversion from gas or other carbon-based heating fuels to electric increases overall electric bills, making the switch can make up the difference by eliminating a gas bill altogether, according to Emma Baumgart, senior associate for communications at Elevate. “With electrification [there] is the added benefit of having no gas bill. And especially in Chicago, People’s Gas has high fixed costs on your bill, where even if you’re not using any gas, you still are paying that monthly charge. And so that’s an added benefit of going fully electric. You still have fixed costs on your electric bill, but it’s just one instead of two. So obviously your electric bill goes up when you are converting to all electric, but by completely removing that fixed cost is another way that electrification can help with affordability,” Baumgart said. For Lewis, a lifetime resident of Chicago’s Southeast Side, her work with MECRO in enabling residents to remain in their homes represents one way of investing in the well-being and stability of the community she calls home. “Those things that impact the quality of life, impact how low-income housing exists in our community and how people are able to stay in their places and live comfortably,” Lewis said. Audrey is an independent writer and researcher based in the greater Chicago area with advanced degrees in sociology and law from Northwestern University. She specializes in sustainability in the built environment, culture and arts, policy, and related topics. Her work has been featured in Wallpaper magazine, the Chicago Reader, Chicago Architect magazine, Next City, Transitions Abroad, Belt Magazine and other consumer and trade publications. Her coverage focuses on environmental justice and equity.
Republish our articles for free, online or in print, under a Creative Commons license. This work is licensed under a Creative Commons Attribution-NoDerivatives 4.0 International License. The Energy News Network makes our original journalism available for republication by approved news outlets under a Creative Commons Attribution-NoDerivatives 4.0 International License. Please note that this license does not cover articles that we republish from other publications, Associated Press images, or any other material governed by a separate copyright agreement. You may select articles to be republished individually — you may not republish our work wholesale or automatically. Contact Kathryn Krawczyk for more information or to be added to our list of approved partners who receive updates whenever we publish relevant content. by Audrey Henderson, Energy News Network June 21, 2022 This article first appeared on Energy News Network and is republished here under a Creative Commons license. The Energy News Network is an editorially independent project of
A colorful and artful celebration held at Bixby Park in Long Beach will not only honor Ukrainian refugees, but also provide direct aid to the men, women and children directly affected by the Russian invasion of Ukraine. The biannual arts and craft fair is hosted by the Friends of Bixby Park, a community-led organization that regularly hosts events for people in the city to gather, celebrate and connect at one of the oldest parks in Long Beach. This year’s fair marks the first in-person arts and crafts fair hosted by the organization since the COVID-19 pandemic began. On Sunday, May 22, artists from throughout the city will be selling original pieces as local businesses raffle off gift certificates, all with the common goal of providing aid to Ukrainian refugees. Those attending will be entertained by hand-selected local artists. While the primary goal of the Friends of Bixby Park is to support all things Long Beach, president Ketty Citterio, 53, felt compelled to think bigger after attending a vigil held for Ukrainian refugees in Belmont Shore in late March. Citterio seized the opportunity to make a difference, connecting with each organization present at the vigil. She then chose three groups that she vetted herself to help with the crisis in Ukraine. The groups that will benefit from the fair include Citadel Cherkasy, non-profit Grandkids and From People to People, all of which have pledged to send all money to Ukraine. “[The groups] are lobbying and collecting money that they send directly to people there [in Ukraine],” Citterio said. “There are people there who are actually doing it so it’s not going to the UN or some other organization.” Baskets of goodies and gift certificates will be donated by some of the best Long Beach has to offer. Restaurants that donated include Portfolio, Breakfast Bar, The Attic, Wild Chive and Gallagher’s, to name a few. The arts and crafts fair will also feature pieces from artists throughout the city, from seniors living in the Long Beach Arts Colony, students at Long Beach City College and people holding their own art classes looking for business. Citterio explained that in the spirit of helping other communities, she has either waived or “dramatically lowered” the vendor fees and booth fees so more people can participate in Sunday’s event. The fair will be held at Bixby Park at 130 Cherry Ave. in Long Beach on Sunday, May 22 from 11 a.m. to 3 p.m.
From the September/October 2022 issue of Acoustic Guitar |By Jane Miller When used as a tool—and not merely a crutch—a capo can offer inspiration and creativity for players of all skill levels. A capo is, of course, a useful gadget for accompanying a singer to get the actual key of a song in a better vocal range without changing from your favorite chords. There’s more to try out, though, and it’s not just about avoiding barre chords. It’s really about expanding your choices and making your guitar sound great. Capit, the Latin root word for “head,” gives us the perspective of thinking of a capo as the temporary new head of the strings. A capo placed just behind a fret makes that fret the new nut, if you will, or the lowest point of contact for the strings. There is an interesting tonal quality that comes from playing open chords while using a capo; the open strings aren’t exactly open anymore, but they are still different from the sound of the fretted notes you play beyond the capo. The shimmery quality that results from playing with a capo on high frets is an attractive addition to solo guitar arrangements—and much more. Here’s a guide to making the most of your capo: Some guitars just lend themselves to intricate passages, challenging chord forms, and angular melodies. Others don’t. My humble beginnings were on a very inexpensive student guitar that featured mile-high action (and a painted-on pickguard!). Learning about capos saved the day just in time before I gave up on ever playing F. Even for advanced players, a capo on an acoustic guitar can transform a beautiful instrument into a short-scale version of that same beautiful instrument, with slightly lower action. Unreachable stretches are now within reach. Get around on that two-chords-per-bar jazz tune complete with extensions and tensions with ease. Your arrangement of a chord-melody solo can be more playable, and therefore cleaner, with a capo on even just the first or second fret. You can choose to bring a song up a whole step by putting the capo on the second fret, or you can keep it in its original key by tuning your guitar down a whole step and placing the capo in that same position. I’ve recorded both ways, and my day in the studio was made easier and more creative. Advertisement Try out a song you know in the key of A major. Something typical would be A–D–E or variations of those chords. It’s a perfectly good progression and easy enough to play well down around the first few frets. Now try it in a much higher position: put a capo at the seventh fret. To keep the song in the key of A, play the chords as if the song is in D, using D–G–A instead of A–D–E. Listen to that sound! The choices you make with regard to open strings, bass notes, hammer-ons, pull-offs, and various other expressions and embellishments are different from what you usually do in the key of A with no capo. Accessing high notes to double a melody while still having the benefit of open strings for bass notes or middle notes of chords brings new life to an ordinary progression. Singers have a particular range, and that range might not always be in your favorite guitar key. While guitarists can change keys readily enough through the use of moveable chords, such as barre chords, having to do so might blow the chances of being able to use that gorgeous arrangement containing those certain voicings with those well-placed open strings. If a singer needs a higher key, there’s an easy solution: capo up until the singer says yes. But if a singer needs a lower key, a capo can help with that, too. If you like playing a song in G, for example, but it puts the melody too high for the singer, try a capo at the fourth fret. The singer can now try the melody down an octave in relation to the chords. In this example, the song is now in the key of B, as long as you keep playing it as if it’s in G. As always with a capo, it might take some adjusting to taste to find the sweet spot for the vocalist. If you’re wondering, a capo on the eighth fret will put the song in this scenario in the key of Eb. Keep playing it as if it’s in G. When you are in a group with two or three guitarists, it can sound more interesting if you’re not playing the same things in the same ways. Without a capo, this can be achieved by using different voicings between players. Adding a capo or two can bring out an exquisite blend of sound, similar to the ways in which, say, an acoustic guitar and mandolin work together. To play a song in the key of D major, for instance, one player can stay capo-free in the lower register. A second guitarist can capo at the fifth fret and play as if in A, and a third player could work in G with a capo VII, C with capo II, or E with capo X. Get stories like this in your inbox A jazz guitar trio playing the standard “All the Things You Are,” which starts in the key of Ab major, with a progression of Fm7–Bbm7–Eb7–Abmaj7, could have a lot of fun dividing up the chordal work. One guitarist could use a capo at the sixth fret and play it as if in D (Bm7–Em7–A7–Dmaj7). A second guitarist might capo at the first fret and play shapes in G (Em7–Am7–D7–Gmaj7). If the third guitarist works in standard tuning, sans capo, that will spread out the voicings nicely throughout the trio; the sum of the parts will be great. Exploring the possibilities at a rehearsal or on your own in your studio is sure to ignite some creative sparks in your music. Jane Miller, a guitar professor at Berklee College of Music, is the author of Introduction to Jazz Guitar and Triads for the Improvising Guitarist (both Berklee Press/Hal Leonard). 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Over the last three years entrepreneurship has soared. 
Miami, Florida - Yesterday, a federal district judge in South Florida sentenced a 44-year-old former actor and movie producer from Bartlesville, Oklahoma, to 262 months in prison for his role in a financing scheme that defrauded investors out of more than $60 million. The defendant, Jason Van Eman, also was ordered to pay certain victims over $9 million in restitution.
BEAN'S GRANT, NH — A Coventry man was rescued Wednesday after suffering an injury while hiking in the mountains of New Hampshire, officials with New Hampshire Fish and Game said.
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The best guitars, amps, pedals and more from another fantastic year for the guitar industry. 
A colorful and artful celebration held at Bixby Park in Long Beach will not only honor Ukrainian refugees, but also provide direct aid to the men, women and children directly affected by the Russian invasion of Ukraine. 
From the 
