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Brad Talbert on Building Better Decisions, Better Organizations

Organizations often invest heavily in strategy, technology, and talent to improve performance. Yet companies with experienced leaders, skilled employees, and ambitious goals can still struggle to execute effectively. In many cases, the difference is not a lack of expertise but the quality of the decisions being made throughout the organization.

Every day, organizations make countless decisions that shape customer experiences, operational efficiency, financial performance, and long-term growth. While major strategic decisions typically receive the most attention, the cumulative impact of everyday decisions often determines whether an organization moves forward with clarity or becomes slowed by hesitation and inconsistency.

Building a stronger organization therefore requires more than hiring capable leaders. It requires creating an environment where good decision-making becomes a consistent organizational practice.

Strong Organizations Build Decision-Making Into Their Culture

Many organizations unintentionally place too much responsibility on senior executives to make every important decision. While leadership provides direction, sustainable growth depends on employees at multiple levels having the confidence, accountability, and clarity to make sound decisions within their own responsibilities.

Organizations that consistently perform well often establish clear priorities, encourage thoughtful discussion, and define decision-making processes before situations become urgent. Teams understand who is responsible, what information is needed, and when action is expected.

This type of culture reduces unnecessary delays while helping employees remain aligned with broader organizational objectives. Rather than waiting for every decision to move through multiple layers of approval, people are empowered to act within clearly understood expectations.

Systems Create Consistency

Even experienced leaders face uncertainty. Markets change, customer expectations evolve, and new challenges emerge with little warning. Organizations that respond effectively are often those with systems that help people evaluate information, communicate openly, and move forward with confidence.

Brad Talbert has spent more than 26 years leading complex healthcare organizations where timely decisions carried significant operational consequences. Through that experience, he developed the BOLD Decision Matrix™, a practical framework designed to help leaders make confident decisions without waiting for complete certainty.

While every organization has its own unique challenges, structured decision-making frameworks provide something equally valuable: consistency. They encourage leaders and teams to approach difficult situations with a shared process rather than relying solely on individual judgment or reacting differently from one circumstance to the next.

Over time, consistent decision-making strengthens organizational trust because employees understand not only what decisions are made, but also how those decisions are reached.

Better Decisions Strengthen Performance

Organizations benefit when decision-making extends beyond the executive suite. Teams that understand organizational priorities and feel empowered to contribute often respond more quickly to changing conditions, solve problems more effectively, and maintain momentum even during periods of uncertainty.

Equally important, disciplined decision-making creates opportunities for learning. Not every decision will produce the desired outcome, but organizations with strong decision-making practices evaluate results, refine their approach, and continue improving rather than becoming discouraged by setbacks.

This mindset helps transform decision-making from a series of isolated events into an organizational capability that supports long-term performance.

As organizations continue to navigate increasingly complex business environments, building systems that encourage clarity, accountability, and thoughtful action may become one of the most valuable investments leaders can make.

Brad Talbert explores these principles in Built to Decide: How Bold Decisive Leadership Accelerates Growth and Organizational Performance. Drawing on decades of executive leadership experience, the book presents practical frameworks to help leaders strengthen judgment, improve organizational alignment, and build cultures where better decisions consistently lead to stronger results.

Organizations rarely improve because of one exceptional decision. They improve when disciplined decision-making becomes part of how people lead, collaborate, and execute every day.

Explore / Learn More and Connect with Brad Talbert

Website: Built to Decide (book website)

Book: Built to Decide: How Bold Decisive Leadership Accelerates Growth and Organizational Performance

LinkedIn: www.linkedin.com/in/bradley-s-talbert-fache-20605816

How AE Tax Advisors Helps Real Estate Investors Accelerate Depreciation

There is a specific tax strategy available to real estate investors that most property owners have never run, and most never will, despite being structurally entitled to the deductions it produces. The strategy is cost segregation, and its impact on real estate investor tax outcomes is large enough that it has become one of the foundational specialties of AE Tax Advisors.

Cost segregation is the engineering-based reclassification of building components from the standard 27.5-year residential or 39-year commercial depreciation schedules into accelerated MACRS categories, 5-year, 7-year, and 15-year property classes that depreciate dramatically faster. When applied to a real estate investment, cost segregation typically pulls 20% to 40% of the building’s depreciable basis into these accelerated schedules, producing significantly larger deductions in the early years of ownership.

The mechanics matter because real estate investors are otherwise depreciating buildings extremely slowly. A $1 million rental property with $800,000 of depreciable basis under the standard 27.5-year residential schedule produces roughly $29,000 of annual depreciation. The same property with a properly executed cost segregation study might produce $150,000 to $250,000 of Year 1 depreciation when combined with current bonus depreciation rules, a difference that can completely offset the property’s taxable income and even shelter other income for properly structured investors.

The AE Tax Advisors approach to cost segregation is grounded in IRS guidelines and industry standards for engineering-based studies. The firm’s cost segregation work identifies the specific building components that qualify for accelerated treatment, interior finishes, specialized electrical systems, decorative lighting, removable flooring, landscaping,

site improvements, parking surfaces, signage, and assigns each component to the appropriate MACRS class with the documentation required to support the treatment if examined.

The strategy has become significantly more powerful under the One Big Beautiful Bill Act (OBBBA), which made permanent the ability to fully deduct qualifying property components in Year 1 through 100% bonus depreciation. Under the prior phased-down schedule, bonus depreciation was scheduled to decline to zero. Under OBBBA, real estate investors can now permanently combine cost segregation with 100% bonus depreciation, dramatically accelerating the tax benefit of new property acquisitions.

AE Tax Advisors also executes lookback cost segregation studies for properties already in service. Through Form 3115 (Application for Change in Accounting Method), property owners can claim catch-up depreciation for prior years without amending individual returns, capturing depreciation that should have been taken but wasn’t, in a single current-year deduction. This is one of the more underused strategies in real estate tax, and AE Tax Advisors has built specific expertise around the Form 3115 process.

The firm’s advisory team, IRS Enrolled Agents and licensed CPAs operating from Billings, Montana, serving clients in all 50 states, coordinates with engineering consultants to execute the studies and integrates the cost segregation work into the broader tax planning relationship. Every engagement begins with a proprietary 3-Year Tax Lookback that identifies whether prior properties were inadequately depreciated and whether Form 3115 catch-up opportunities exist.

The math is worth running. A real estate investor with $5 million in rental property who has not run cost segregation may be sitting on $200,000 to $500,000 of accelerated depreciation that could be claimed in the current tax year. The cost of the studies is a fraction of the resulting tax benefit, and the work is fully supported under the Internal Revenue Code when executed by qualified professionals.

AE Tax Advisors prices cost segregation studies separately from the firm’s annual $7,800 advisory engagement, based on property type, complexity, and value. The work is fully integrated with the firm’s broader strategic tax planning relationship, which means the cost segregation outcomes connect into entity structure, retirement planning, and multi-state strategy rather than functioning as an isolated deduction.

For real estate investors who have not yet run cost segregation on their existing portfolio, the work is one of the highest-leverage tax conversations available. The AE Tax Advisors team has built specific expertise in this category, and the results clients have produced reflect the depth of that focus.

Disclaimer: This article is for informational and educational purposes only and does not constitute tax, legal, accounting, or financial advice. Tax laws and individual circumstances vary, and potential deductions or savings are not guaranteed. Readers should consult a qualified tax professional regarding their specific situation before implementing any tax strategy.

Bank of America Launches $250B U.S. Infrastructure Initiative

Bank of America has launched an 18-month initiative to mobilize and deploy $250 billion for U.S. infrastructure development through July 4, 2027. The bank said the effort will support digital, energy and power, and core infrastructure projects through financing, investment, advisory and supply-chain solutions.

Key Takeaways

  • Bank of America plans to mobilize and deploy $250 billion for U.S. infrastructure development.
  • The initiative covers digital, energy and power, and core infrastructure projects.
  • Eligible activity will include primary-market lending, investing, capital-markets transactions and advisory services.
  • Eligible projects include data centers, computing facilities, renewable energy, storage and transportation infrastructure.
  • The initiative runs from January 1, 2026, through July 4, 2027.

Bank of America announced August 12 that it will mobilize and deploy $250 billion to support U.S. infrastructure development through its Critical Infrastructure Finance Initiative. The initiative covers digital, energy and power, and core infrastructure and is designed to provide financing, investment and advisory solutions for projects across the country.

The bank said eligible activity will be measured over an 18-month period beginning January 1, 2026, and ending July 4, 2027. The initiative was announced in connection with the 250th anniversary of the United States.

Bank of America said the financing effort will address infrastructure development and modernization through multiple forms of capital-market activity. The bank will work with clients at both the corporate and asset levels and across public and private markets.

The initiative will be led by Bank of America’s Global Capital Solutions and Global Infrastructure & Sustainable Finance teams and supported across all eight of the bank’s lines of business.

The bank said its infrastructure work is intended to support projects involving computing power, energy, manufacturing capacity, transportation systems and supply chains. It also said the initiative could help create tens of thousands of jobs and advance community development.

Financing Structure

Bank of America Launches $250B U.S. Infrastructure Initiative

Photo Credit: Unsplash.com

Bank of America said progress toward the $250 billion target will be measured using eligible activity in primary-market lending, investing, capital-markets transactions and advisory services. The methodology is consistent with the framework used for the bank’s $1.5 trillion, 10-year sustainable-finance goal.

The structure means the $250 billion figure represents eligible financing and investment activity rather than a single cash allocation to infrastructure projects. Bank of America will use several financial services to support projects and companies involved in infrastructure development.

The bank also said it will provide supply-chain solutions alongside financing, investment and advisory services. Those services are intended to support clients at both the corporate and individual-asset levels.

For businesses evaluating financing options, the mechanics of commercial borrowing can vary significantly by product and lender, including documentation and underwriting requirements. A recent guide on the business loan process in 2026 provides additional context on how different business financing structures operate.

Digital Infrastructure Projects Included in Financing Plan

Digital infrastructure is one of three principal areas covered by the initiative. Bank of America specifically identified data centers and computing facilities among the types of infrastructure that can receive support.

The bank said demand for computing power is among the factors driving infrastructure investment in the United States. Its initiative therefore includes financing solutions for digital infrastructure alongside other physical systems required to support technology operations.

Digital infrastructure projects can involve significant capital requirements at both the development and asset levels. Bank of America’s stated financing structure allows the bank to participate through lending, investment, capital-markets transactions and advisory work rather than through a single financing product.

The relationship between data centers and power infrastructure also creates direct implications for businesses operating large computing facilities. A recent report on AI data center electricity costs examined how expanding computing demand is affecting electricity costs for manufacturers in the PJM Interconnection region.

Digital infrastructure also intersects with energy and power systems. Computing facilities require supporting power infrastructure, making the two categories part of the same financing framework announced by the bank.

Bank of America said the broader infrastructure effort is intended to support technological leadership and economic competitiveness. The bank identified digital development as part of the infrastructure needed to support those objectives.

Energy and Power Infrastructure Added to Initiative

Energy and power infrastructure form the second major category in Bank of America’s initiative. The bank said eligible activity will include renewable energy and storage projects as part of its financing effort.

The bank also identified energy security as a consideration behind the initiative. Its announcement described infrastructure investment as supporting energy security while providing financing for projects that expand and modernize energy and power systems.

Renewable generation and energy-storage facilities require financing across different stages of development and operation. Bank of America’s stated approach allows eligible projects to access several forms of financial support, including lending, investment and capital-markets services.

Energy infrastructure also intersects with other categories covered by the initiative. Digital facilities require reliable power, while manufacturing and transportation systems depend on energy infrastructure to operate. Bank of America has grouped these areas within its broader critical-infrastructure financing framework.

The initiative’s energy component therefore sits alongside digital and core infrastructure within the $250 billion target. The bank has not described the announcement as a separate allocation for any single energy technology or project.

Transportation and Core Infrastructure Projects Covered

The third category consists of core infrastructure. Bank of America identified transportation systems and natural gas infrastructure among the projects covered by the initiative.

The bank’s announcement also referred to infrastructure supporting manufacturing capacity and diversified supply chains. These areas are included within the broader set of systems that Bank of America intends to finance and advise through the initiative.

Transportation infrastructure can include systems that support the movement of people and goods, while supply-chain infrastructure supports the movement and production of materials. Bank of America’s initiative treats these assets as part of the core infrastructure category.

The bank said its infrastructure activity will extend across public and private markets. Its financing model can therefore involve corporate-level transactions as well as financing connected to individual infrastructure assets.

Bank of America also said the initiative is intended to advance community development. The bank estimates that its infrastructure activity could help create tens of thousands of jobs, although the announcement does not provide a specific job count.

The $250 billion target is measured through eligible transactions rather than as a direct government-style infrastructure spending program. Bank of America will count qualifying lending, investment, capital-markets and advisory activity toward the initiative’s target.

Businesses seeking to finance physical assets have access to multiple forms of commercial lending, including secured structures based on existing business assets. An overview of asset-based lending for businesses explains how equipment, inventory, real estate and receivables can be used as collateral for working capital.

Financing Services Extend Across U.S. Infrastructure Projects

Bank of America Launches $250B U.S. Infrastructure Initiative

Photo Credit: Unsplash.com

Bank of America’s infrastructure financing initiative combines several financial services rather than relying solely on direct loans. The bank said its offering includes financing, investments, advisory services and supply-chain solutions for infrastructure clients.

The Global Capital Solutions and Global Infrastructure & Sustainable Finance teams will lead the initiative, with support from all eight of Bank of America’s lines of business. The bank said this structure will allow it to provide integrated services at corporate and asset levels.

Bank of America said eligible activity will be measured from January 1, 2026, through July 4, 2027. Although the announcement was made August 12, the measurement period begins at the start of 2026 and runs through the July 4, 2027 deadline.

The initiative’s $250 billion target is also distinct from the bank’s previously established $1.5 trillion, 10-year sustainable-finance goal. Bank of America said the methodology for measuring the infrastructure initiative is consistent with that existing framework.

Frequently Asked Questions

How much is Bank of America committing to U.S. infrastructure financing?

Bank of America plans to mobilize and deploy $250 billion in eligible infrastructure-related financing, investment, capital-markets and advisory activity.

Which infrastructure projects are covered by Bank of America’s initiative?

The initiative covers digital infrastructure, energy and power infrastructure, and core infrastructure. Examples include data centers, computing facilities, renewable energy, storage, transportation systems and natural gas infrastructure.

When does Bank of America’s $250 billion infrastructure initiative run?

The initiative’s measurement period runs from January 1, 2026, through July 4, 2027.

What financing services will Bank of America provide?

Bank of America said the initiative will use primary-market lending, investing, capital-markets services, advisory services and supply-chain solutions.

Does the initiative include data centers and energy projects?

Yes. Bank of America specifically included data centers and computing facilities under digital infrastructure and renewable energy and storage under energy and power infrastructure.

Astroport and XelerateVR Announce Strategic Partnership to Advance Lunar Construction with Human-Operated Robots, Spatial Computing, and Human Performance Technology

By: GTIF Capital

Partnership pairs planned humanoid robots on the Moon with human operators in full-body tracked VR to enable safe, scalable lunar construction

EL PASO, Texas, August 2026. Astroport Space Technologies and XelerateVR today announced a strategic partnership to make lunar construction safe and scalable. The companies plan to pair humanoid robots on the Moon with human operators who control them via full-body-tracked, 360-degree VR treadmills.

The partnership brings together Astroport’s lunar construction technology and XelerateVR’s full-body motion platform to advance lunar operations. Together, the companies aim to enable teleoperated construction robots on the Moon, deliver immersive astronaut training, and develop new approaches to crew health and performance on long-duration missions.

Construction on the Moon cannot yet be fully automated. Tasks that demand judgment, dexterity, and improvisation still require a human mind at the controls. Even highly autonomous construction processes will need astronauts for oversight, inspection, and intervention when required. Putting a human body on site is another matter. Every spacewalk carries a real cost. Consumables and life support are finite, suit-up and prep time are expensive, and time on the surface is limited. The physical danger adds to that cost. A lunar construction site exposes workers to abrasive regolith dust, extreme temperature swings, and jagged surfaces on structures and tools. A single snag or misstep can puncture a spacesuit and turn a routine task into a life-or-death emergency within seconds.

The partnership’s answer is to keep the human in control while taking the human out of harm’s way. XelerateVR’s omnidirectional treadmill tracks the operator’s entire body. In the system the companies plan to develop, the operator would see what the robot sees through the headset. When the operator walks, the robot walks. When the operator reaches, grips, or kneels, the robot mirrors those movements. The companies intend the experience to feel less like steering a machine and more like stepping into a second body. Paired with Astroport’s lunar construction systems, this approach is designed to let skilled workers perform hands-on work on the lunar surface from the safety of a pressurized habitat or the cabin of a crewed lander.

Teleoperation is the first of several space applications the companies plan to pursue together. The same platform can also serve as a training system. Astronauts could rehearse surface operations long before launch, walking through virtual reconstructions of landing sites, construction zones, and emergency scenarios, while mission teams use the same environments for planning and simulation.

On long-duration missions, the technology could also give crews an escape from the confinement of their spacecraft. A crew member could step onto the treadmill and walk through a forest, a home city, or a future settlement without ever leaving the spacecraft. Natural walking and running deliver physical exercise in a compact footprint, while the change of scenery supports mental health through months of isolation.

Beyond these initial programs, Astroport and XelerateVR will explore opportunities to combine their technologies, capabilities, and industry relationships across commercial aerospace, defense, industrial training and teleoperation, digital engineering, enterprise simulation, healthcare and rehabilitation, and workforce development. The companies believe the convergence of extended reality, robotics, artificial intelligence, digital twins, advanced manufacturing, and commercial space infrastructure represents a major technology opportunity for the coming decade.

GTIF Capital initiated the relationship between Astroport and XelerateVR and helped facilitate the development of the strategic partnership. David Chen, Managing Partner of GTIF Capital, has joined the Boards of Advisors of both companies as a shareholder in each. The firm will continue to support both companies with strategic advisory services spanning corporate development, capital formation, strategic partnerships, government engagement, and international commercialization.

David Chen, Managing Partner, GTIF Capital

“The next generation of global innovation will not be defined by individual technologies, but by ecosystems that bring together infrastructure, advanced manufacturing, artificial intelligence, immersive computing, and strategic partnerships. Astroport and XelerateVR represent two visionary companies building technologies with the potential to influence how future industries train, manufacture, collaborate, and operate. GTIF Capital is proud to have brought these organizations together and looks forward to supporting their growth through strategic partnerships, institutional relationships, and global commercialization.”

Sam Ximenes, Founder and Chief Executive Officer, Astroport Space Technologies

Photo Courtesy: GTIF Capital

“Building on the Moon means answering a question every hazardous job site eventually asks. How do you get skilled human judgment onto the site without putting a human body in danger? On the Moon, that question becomes a matter of survival. XelerateVR’s platform gives us an answer. Our teams can do the hands-on work lunar construction demands without ever putting a human body in the line of fire. This partnership is how we make lunar infrastructure both safe and buildable at scale.”

Marvin Fachtner, Chief Executive Officer, XelerateVR

“People imagine lunar construction as astronauts with power tools. We imagine the same worker in a safe habitat, wearing a headset and walking on our treadmill, while a robot on the surface mirrors every movement. It doesn’t feel like piloting a drone. It feels like being there. That is how you bring human skill to the Moon without risking human lives.”

Astroport and XelerateVR expect to announce additional technology initiatives, commercial partnerships, and international programs as the strategic partnership continues to develop.

About Astroport

Astroport Space Technologies develops the civil engineering and materials technologies needed to build infrastructure on the Moon, including landing pads, roads, berms, and protective structures made from native lunar regolith. Founded in 2020, the company works with government and commercial partners to enable safe, reliable, and efficient operations on the lunar surface.

About XelerateVR

XelerateVR builds the ODT 1, an omnidirectional treadmill that lets users walk, run, and turn naturally in any direction while their full body is tracked. The platform serves as an immersive training and simulation system and as a natural control interface for humanoid robots, with applications across enterprise, defense, healthcare, education, sports performance, and spatial computing.

About GTIF Capital

GTIF Capital is an international strategic advisory and investment firm specializing in corporate development, capital formation, economic development, strategic partnerships, and global commercialization. The firm works alongside founders, institutional investors, governments, and enterprise partners to accelerate the growth of transformational companies worldwide.

Media Contact

Jonathan Brierre

GTIF Capital

GTIF Capital website

Email: jonathan@gtifcapital.com

Leverage: A Practical Framework for Getting More From What You Already Have

Entrepreneur Carson Jones’s new book challenges the assumption that progress always requires more- more money, more time, more connections or more opportunity. Instead, Leverage starts with a different question: What can you do with what you already have?

There was no months-long countdown.

No elaborate pre-launch campaign.

And Carson Jones is not introducing his new book by claiming to have figured out the secret to a perfect life.

That would contradict much of what the book is actually about.

His new release, Leverage: How to Get What You Want, With What You Have, Doing What You Like (or Are Good At), is built around a simpler premise:

You already have something to work with.

Time. Energy. Money. Skills. Proof. Relationships.

The amounts differ for everyone. The combination changes throughout a lifetime. But Jones argues that progress often begins not by focusing on what is missing, but by understanding how to better use what is already available.

“I didn’t want to write a book about me,” Jones says. “I’m not interested in telling people I’m perfect or that I have everything figured out. The book is really about life, looking at what you have, deciding what you actually want, and figuring out how to use one to get closer to the other.”

That distinction separates Leverage from the traditional business book built around a single formula for success.

There is no universal formula here.

There is a framework for thinking.

Start With What You Have

One of the central ideas in Leverage is that people frequently postpone action because they believe they are missing a necessary resource.

They will start the company when they have more money.

Change careers when they have more security.

Build the idea when they have more time.

Create something when they have a larger audience.

Take the opportunity when they feel more prepared.

Jones argues that this way of thinking can become its own trap.

Instead of beginning with the missing resource, Leverage asks readers to inventory the resources already available to them.

Someone without much capital may have time.

Someone without much time may have money.

Someone without either may have a highly valuable skill.

Another person may have relationships, credibility, an audience, specialized knowledge or proof that they can produce a particular result.

Leverage is understanding what you have, and knowing which of those resources to use next.

The concept sounds straightforward.

Its implications are not.

Because once resources are viewed as interchangeable and stackable rather than isolated, the way someone approaches work begins to change.

A skill can create money.

Money can buy back time.

Technology can reduce the energy required to perform repetitive work.

Relationships can create opportunities that would otherwise require years to access.

Proof can eliminate the need to continually convince people of your capabilities.

And an asset built once can sometimes continue creating value long after the initial work is finished.

The objective is not simply to work harder.

It is to make work compound.

Time, Energy and Money

At the foundation of Jones’s framework are three resources:

Time × Energy × Money.

Everyone operates with some combination of them.

The mistake is assuming the ideal strategy is the same regardless of which resource is scarce.

For someone with very little money but abundant time and energy, the rational trade may be to invest those resources into developing a skill, building proof or creating an asset.

Later, when money becomes more abundant and time becomes scarcer, the equation can reverse.

Money can be used to reclaim time.

Systems can reduce unnecessary energy expenditure.

Technology can multiply output.

Delegation can remove low-impact work.

The strategy evolves as the resource mix changes.

Jones sees this as a more useful framework than simply trying to maximize income or productivity.

Because money alone does not determine whether something is working.

Neither does growth.

Neither does being busy.

The more revealing question is:

What does the win cost to keep?

A business might generate significant revenue but require so much of its founder’s time that the founder has effectively created another job.

An opportunity may look impressive while creating enormous stress.

A promotion may increase income while removing the freedom that made the income valuable in the first place.

A company can become larger while the life of the person running it becomes smaller.

Leverage asks readers to consider both sides of the trade.

Hard Work Is Not the Same as Leverage

Jones did not arrive at this philosophy from a career in which every decision worked.

One of the personal experiences he discusses comes from an earlier period of his life selling final-expense insurance door to door in Ohio.

He could work roughly 10 hours in a day and sometimes make only $100 to $200.

He was working.

He was putting in the hours.

He was doing what people are often told to do: work hard and keep going.

But eventually the experience exposed an important difference.

Working hard is not necessarily the same as working toward something.

If the economics of the underlying activity are limited, more effort may simply produce more exhaustion.

That realization would eventually shape the way Jones evaluated opportunities.

What happens after the work is completed?

Does the work create an asset?

Does it create proof?

Does it build a relationship?

Does it increase future earning power?

Can it be repeated without requiring the same amount of effort?

Can technology amplify it?

Can it eventually operate without depending entirely on the person who created it?

In other words:

Does the work create leverage?

From Activity to Assets

That question becomes increasingly important in an economy where technology is reducing the cost of producing certain kinds of work.

Jones argues that the opportunity is not merely to complete more tasks.

It is to build more things that continue working.

A reputation is an asset.

An audience can be an asset.

A valuable skill is an asset.

A relationship can be an asset.

Intellectual property can be an asset.

A business system can be an asset.

A book can be an asset.

And importantly, these assets do not have to exist independently.

They can stack.

An audience can help launch a book.

A book can create credibility.

Credibility can lead to conversations.

Conversations can create relationships.

Relationships can create opportunities.

Opportunities can create new proof.

That proof can strengthen everything that came before it.

Jones describes this as asset stacking, building things that make the next thing easier rather than repeatedly returning to zero.

The Book Behind the Book

The philosophy is also reflected in the way Leverage was developed.

Jones is the founder of Booklore, a publishing technology platform designed around the idea that valuable books often begin with knowledge rather than writing ability.

Many founders, executives, professionals and subject-matter experts possess years, or decades, of accumulated knowledge.

They have stories.

Frameworks.

Lessons.

Opinions.

Mistakes.

Processes.

Ideas.

What many do not have is hundreds of uninterrupted hours to turn those thoughts into a structured manuscript.

Booklore is designed to help capture and organize that existing intellectual material and develop it into long-form work while preserving the author’s ideas and voice.

The relationship between Booklore and Leverage is therefore unusually direct.

The platform itself reflects one of the book’s central principles:

Use what you already have.

The knowledge already exists.

The experience already happened.

The ideas are already there.

The challenge is creating a system capable of turning those raw materials into an asset.

For Jones, a book is one example of what can happen when existing resources are reorganized rather than ignored.

AI Is a Lever, Not the Point

That distinction is particularly relevant as artificial intelligence becomes embedded in more businesses and creative processes.

Jones is enthusiastic about AI’s ability to create leverage, but Leverage does not treat technology as a substitute for judgment.

AI can reduce the cost of execution.

It can compress time.

It can make certain capabilities available to individuals who previously would have needed larger teams.

But efficiency is only useful when applied to something worth doing.

Doing the wrong thing faster is still doing the wrong thing.

The human part of the equation remains deciding what matters.

What deserves your time?

Where is your energy best spent?

What should you continue doing yourself?

What should become a system?

What should technology handle?

What should you stop doing entirely?

Those decisions become more important, not less, as execution becomes easier.

Build What Keeps Working

One of the shortest ideas in the book may also be one of its most useful:

Build what keeps working.

Then:

Reduce what depends on you.

Jones does not mean removing yourself from everything.

Some work benefits precisely because a particular person is doing it.

Relationships require humans.

Taste requires judgment.

Leadership requires attention.

Creative decisions often require context that cannot simply be delegated away.

The objective is to distinguish that high-impact work from everything surrounding it.

If a founder spends an hour making a decision only they can make, that hour may be exceptionally valuable.

If the same founder spends an hour repeatedly completing an administrative process that could have been automated months ago, the economics are very different.

Leverage requires knowing the difference.

The Part That Has Nothing to Do With Business

For a book that can easily be categorized as business or personal development, Leverage ultimately makes a surprisingly personal argument.

The purpose of becoming more effective is not simply to become more effective.

It is to create more choice.

Jones captures that idea with one line:

“Your life is mostly Tuesdays.”

The biggest moments tend to receive the most attention.

The vacation.

The promotion.

The launch.

The wedding.

The exit.

The achievement.

But those moments represent a relatively small percentage of a life.

Most of it happens on ordinary days.

Tuesday morning.

Tuesday afternoon.

Tuesday night.

The quality of those ordinary days may ultimately say more about whether someone has built the life they want than any individual milestone.

That is why Jones’s definition of leverage eventually extends beyond money.

Can you create more control over your time?

Can you protect your energy?

Can you reduce unnecessary stress?

Can you spend more of your life doing work you are good at, or genuinely enjoy?

Can success make your life larger rather than simply making your responsibilities larger?

Those questions are harder to quantify.

They may also be the ones that matter most.

Work the Game of Life

Jones does not present Leverage as a declaration that he has solved those questions.

That is intentional.

“I’m still working on all of this too,” he says. “I think everybody is. Life changes. What you want changes. What you have changes. The point is to keep paying attention to the game you’re actually playing.”

That may explain the understated philosophy behind the book’s launch.

No claim of perfection.

No promise that seven steps will transform every reader’s life.

No suggestion that everyone should pursue the same definition of success.

Instead, Leverage offers a way to look at the pieces already on the board.

Your time.

Your energy.

Your money.

Your skills.

Your proof.

Your relationships.

And then ask a better question about what they could become.

Because getting more out of life does not always begin with getting more.

Sometimes it begins by seeing the value of what is already there.

You already have something to work with.

Then work the game of life.

The Burden of Proof Has Moved to the Seller

How businesses are responding to a market where customers increasingly question whether marketing content is authentic

By Dana Whitfield

A survey released on August 5 put a number on something marketers have been circling for two years. Cashew Research asked 2,149 consumers across the United States and Canada what they assume about the content brands put in front of them. Eighty-seven percent said they believe at least some of it is AI-generated. Only 13 percent said they were very confident they could tell the difference.

The second number is the one worth sitting with. Skepticism without the ability to verify doesn’t necessarily make buyers more careful. It can make them discount everything at once. Cashew’s respondents named the categories that worry them most: health, finance, customer testimonials, and behind-the-scenes content. Those are four areas where consumers may place particular importance on the credibility of the information presented to them.

The research is vendor-produced and should be read that way. But the finding it lands on is consistent with what several operators say they are already seeing in their own markets. When persuasion gets cheap, the things that are expensive to fake can start doing some of the work that copy used to do.

Running a Trial to Support a Product Claim

Dr. Evan Zhao is a chemical engineer and synthetic biologist whose previous work included founding Revela. His current venture, RE:YOU, sells a serum for women experiencing hair thinning, in a category he has publicly described as one where consumers often encounter strong product claims.

The company’s position is that relatively few products in the category have been directly compared with minoxidil, a widely used treatment for hair loss. RE:YOU says it is conducting a double-blinded, randomized study involving 190 women and high-resolution scalp imaging, with the company reporting interim findings from the study.

The design itself is part of the company’s argument. A randomized controlled trial takes time, requires a defined methodology, and can produce findings that do not necessarily support the sponsor’s expectations. That makes the decision to conduct such research potentially meaningful when evaluating how a company supports its product claims.

Before-and-after images and consumer testimonials can be difficult for buyers to independently assess. Formal research, when properly designed, documented, and interpreted, may provide another source of information. RE:YOU has positioned its study as an effort to provide additional evidence regarding its product, although the study remains subject to the limitations and interpretation of the underlying research.

Zhao has said that part of his motivation for founding RE:YOU was concern about the quality of science and marketing used within parts of the hair-care category. Whether more companies adopt similar forms of testing remains an open question.

The Number a Wealth Manager Will Put in Writing

Kevin Brunner says he has spent more than two decades building The Q Companies around a model in which several services used by clients are handled within affiliated operations rather than exclusively referred to outside providers. These services include areas such as trust administration, 1031 exchange accommodation, and asset management.

Brunner’s argument concerns what he calls “interested advice,” a phrase he uses to describe situations in which an advisor may have an economic stake in one recommendation over another. His response has been structural, with the firm expanding the range of services handled within its organization.

According to Brunner, some clients pay under 1.5 percent in combined costs, compared with figures closer to 3 percent under certain previous arrangements. Those figures are presented as Brunner’s description of client costs and can vary depending on the services, structures, and circumstances involved. They should not be interpreted as a prediction of savings or as financial, legal, tax, or investment advice.

Brunner also states that he holds the Trust and Estate Practitioner designation and has been involved with the Orange County chapter of the Society of Trust and Estate Practitioners. Such professional credentials and organizational roles, when independently administered, can provide prospective clients with information beyond a firm’s own marketing claims.

Financial services have a longer history with disclosure requirements than many sectors. Regulations developed in part to provide consumers and investors with greater visibility into fees, conflicts, and other information that may affect financial decisions. What Cashew’s respondents describe may reflect a broader expectation for similar transparency in categories that historically operated with less formal disclosure.

When a Company Can’t Verify Its Own Operations

Angelo Huang’s company, Swif.ai, works on that layer, providing device-management technology designed to help organizations oversee software and AI-related activity across company-managed devices.

The gap between technology adoption and internal policy can open quickly. An employee may adopt a new AI tool in a browser tab, use it while working with customer information or draft materials, and create activity that may not be immediately visible through traditional IT oversight systems. Nothing about that necessarily requires bad intent. It can simply mean an organization’s understanding of its own operations becomes outdated as new tools are adopted.

That matters for the trust question because claims about internal practices can be difficult for customers to verify independently. Cashew’s respondents flagged behind-the-scenes content as a category they distrust, which resembles a challenge enterprise buyers can encounter during vendor review.

Huang’s position is that organizations may increasingly need stronger device-level visibility and controls if they want to accurately describe how technology is being used within their operations. Swif.ai is one company developing tools around that premise.

Buying Equipment You Can’t Inspect

Porta Potties For Sale, run by Noah Manders, sells portable sanitation equipment online to contractors, event organizers, municipalities, schools, and faith-based organizations. Its catalog includes standard construction units, ADA-compliant restrooms, shower trailers, and fleet packages, along with delivery and financing options.

The trust problem here is unglamorous and is addressed largely through specificity. A contractor ordering forty units for a job site may be purchasing equipment they will not physically inspect until delivery. Information such as dimensions, product specifications, applicable compliance standards, delivery details, and financing terms can therefore become important parts of the purchasing decision.

The site operates alongside other properties under the Porta Potty World umbrella, with different sites focused on areas such as purchasing, rentals, and supplies. The company says this structure is intended to direct customers toward information that is more closely related to what they are looking for.

None of that depends entirely on persuasion. It is closer to documentation.

The Cost of Verification

Verification is slow and it is rarely cheap. Zhao’s company chose to conduct a study that could produce results different from what it expected. Brunner describes spending years restructuring parts of his firm’s service model around transparency and internal capabilities. Huang’s customers use technology designed to provide greater visibility into practices companies may already be expected to understand and document.

Cashew’s respondents put product quality at 38 percent and real customer stories at 31 percent among the things they said can help a brand stand out. Both generally take time to accumulate. Neither can necessarily be produced on deadline.

For companies that have spent years optimizing the speed and volume of their messaging, that creates a different challenge. As consumers become more aware of AI-generated content and increasingly skeptical of what they encounter online, the burden may be shifting away from simply making a persuasive claim and toward showing why that claim should be believed.

2027 Unsecured Business Lines of Credit: What They Are and When They Make Sense

By: Steven Kay

A restaurant owner in Austin told me something that stuck with me. She said her business didn’t have one cash flow problem, it had twelve of them a year, each one smaller than the last emergency but somehow just as stressful. A slow month here, a broken walk-in cooler there, a supplier who suddenly wanted payment upfront instead of net thirty. None of these individually justified a big loan. Together they were quietly draining her energy every single month.

That’s the exact situation a business line of credit was designed to solve, and it’s why this product has quietly become one of the most useful tools in the small-business financing world, even though it gets far less attention than flashier options like merchant cash advances or SBA loans.

What a Line of Credit Actually Is

A business line of credit works nothing like a traditional term loan. Instead of receiving one lump sum and repaying it on a fixed schedule, you get access to a set credit limit that you can draw from whenever you need it. You only pay interest on what you actually use, and once you repay a draw, that amount becomes available again. Think of it as a financial safety net you can dip into repeatedly rather than a one-time transaction.

Unsecured versions of this product take it a step further by removing the collateral requirement entirely. Instead of pledging equipment, real estate, or inventory, qualification is based almost entirely on your business’s cash flow and revenue history. That single shift has opened this type of financing to a much wider range of business owners than would have qualified a decade ago, particularly service-based businesses that simply don’t own many physical assets to pledge in the first place.

Why Revolving Access Beats a Lump Sum for Certain Needs

The math on this is more interesting than people expect. If you take a $50,000 term loan but only end up needing $15,000 of it that month, you’re paying financing costs on capital sitting idle in your account. A line of credit flips that entirely. You draw exactly what the situation requires, whether that’s $3,000 to cover a payroll gap or $18,000 to jump on a bulk inventory discount, and the unused portion of your limit costs you nothing.

This matters most for businesses with seasonal or unpredictable cash flow patterns. A landscaping company that’s flush with cash in July and tight in February doesn’t need one enormous advance sitting in an account for eight months. It needs access it can tap into precisely when the calendar turns against it, then step away from once revenue picks back up.

The Qualification Picture Has Genuinely Changed

Not long ago, an unsecured line of credit above a modest limit was reserved almost exclusively for businesses with years of profitable operating history and a credit score comfortably above 700. That’s shifted considerably. According to Federal Reserve small business survey data, a meaningful share of small employer firms applying for credit are seeking amounts under $100,000, a range that alternative lenders using automated underwriting can now evaluate in a fraction of the time a traditional bank loan committee would need.

The evaluation typically centers on your business bank account rather than your personal balance sheet. Lenders look at monthly deposit volume, how consistent those deposits are month over month, and whether your account shows the kind of overdraft activity that signals real financial strain. A business with six to twelve months of steady banking history and reasonably consistent revenue can often qualify for a meaningful credit line even without a long operating track record or a pristine personal credit score.

Where People Get This Wrong

The single biggest mistake business owners make with a line of credit is treating the entire limit as available cash rather than as a tool reserved for specific, calculated needs. Just because you’re approved for $75,000 doesn’t mean drawing all of it makes financial sense. Every dollar you pull creates a cost, and pulling more than a specific situation requires simply adds expense without adding any corresponding benefit.

The owners who use this product well tend to draw against a clear purpose every time, whether that’s covering a documented seasonal gap, funding a specific inventory purchase with a known return, or bridging a short payroll timing issue while waiting on client payments. They treat the unused portion of their limit as insurance rather than spending money, and that discipline is what keeps the tool genuinely cheap over the long run, rather than turning into a slow accumulation of debt.

Comparing Lines of Credit to Other Fast Funding Options

It’s worth being honest about where a line of credit fits relative to other financing tools, because it isn’t the right answer for every situation. If you need a large, one-time capital injection for something like a major equipment purchase or a location buildout, a term loan with a fixed structure often makes more sense. If your revenue is highly seasonal and unpredictable in a way that’s hard to plan around, a revenue-based product that adjusts automatically with your daily deposits might fit better.

Where a line of credit genuinely shines is in that middle ground of recurring, moderate, somewhat unpredictable needs. Direct lenders, including fundivi have built streamlined application processes specifically for this kind of financing, evaluating bank account performance rather than requiring the extensive documentation a bank would typically demand, which means a business owner can go from application to an approved credit line in a fraction of the time traditional lending required just a few years ago.

A Realistic Look at the Numbers

It helps to walk through an actual scenario rather than talk about this in the abstract. Say a business owner qualifies for a $40,000 unsecured line of credit at an interest rate in the mid-teens, which is fairly typical for this category. If she draws $8,000 in March to cover a supplier payment ahead of her busy season and repays it within six weeks once revenue picks back up, her total interest cost might land somewhere around $150 to $200. Compare that to what a $40,000 term loan would have cost if she’d taken the full amount up front and let most of it sit unused in her account for months. The difference compounds every time she repeats the pattern throughout the year.

This is exactly why seasonal businesses tend to prefer this structure once they understand how it works. A landscaping company, a holiday retailer, an accounting firm that gets slammed every spring- none of these businesses have a single predictable cash need. They have a rhythm of needs that rises and falls throughout the year, and a revolving credit line is one of the only financing tools built to move with that rhythm rather than against it.

The Renewal Conversation Nobody Talks About

One detail that rarely gets discussed until it actually matters is what happens when your line comes up for renewal. Some lenders automatically extend your existing limit as long as your account has stayed in reasonably good standing. Others conduct a full reevaluation, which can work in your favor if your revenue has grown since you first applied, or work against you if your business has had a rough stretch.

It’s worth asking this question before you ever sign an agreement, because the answer affects how you should think about the line over a multi-year horizon. A business owner who understands the renewal process in advance can strategically time major draws and repayments around it, presenting the strongest possible financial picture right before that reevaluation.

What to Actually Ask Before You Apply

Before signing up for any unsecured line of credit, get clear answers on a few specific points. Ask whether the interest rate is fixed or variable, since a variable rate tied to a benchmark can shift your costs over time in ways a fixed rate won’t. Ask whether there’s a draw fee charged every time you access funds, since that can quietly erode the cost advantage of only paying for what you use. And ask what happens at renewal, since some lenders reevaluate your limit annually based on updated revenue performance while others simply extend the same terms indefinitely.

Understanding these details upfront prevents the kind of unpleasant surprise that turns a genuinely useful financial tool into a source of frustration. A line of credit, used with intention, can be one of the most cost-efficient ways to manage the ordinary unpredictability that comes with running a small business. Used carelessly, it’s just another way to accumulate debt without much to show for it.

The restaurant owner in Austin eventually set up a modest line of credit sized specifically to her worst realistic month. She’s drawn from it four times in the past year, repaid each draw within weeks, and told me it changed the emotional weight of running her business more than any single piece of equipment or marketing campaign ever did. That’s not a dramatic story. It’s just what happens when the right financial tool finally matches the problem’s actual shape.

Disclaimer: This content is for informational purposes only and is not intended as financial advice, nor does it replace professional financial advice, investment advice, or any other type of advice. You should seek the advice of a qualified financial advisor or other professional before making any financial decisions.