David Callahan, Author at Benefit Group

September 30, 2022

Four Individuals Plead Guilty in Multimillion-Dollar Scheme to Defraud U.S. Department of Education Federal Financial Aid Programs | OPA

Four persons pleaded responsible now to conspiring to defraud the Section of Education’s economic support plans of millions of dollars in federal resources.

According to court docket paperwork and statements produced in relationship with their responsible pleas, Sandra Anderson, 63, of Palmetto, Ga Yolanda Thomas, 51, of Columbus, Georgia Leo Thomas, 56, of Phenix City, Alabama Kristina Parker, 35, of Stone Mountain, Georgia and their co-conspirators fraudulently received tens of millions of bucks in federal economical aid resources that they misused for their own benefit. They did so by creating an elaborate sham college – the Columbus, Ga, satellite campus of the Apex Faculty of Theology.

As section of their responsible pleas, the co-conspirators admitted that, at Anderson’s way, they enrolled folks at Apex who agreed to pose as pupils, figuring out that individuals people did not qualify to enroll in college or graduate college. The co-conspirators then fraudulently completed economic assist programs in students’ names and completed students’ homework and tests. The co-conspirators also served as lecturers and manipulated pupil grades to make sure that the purported college students could meet up with the bare minimum quality specifications to go on to qualify for federal economic help. Then, the co-conspirators possibly stole scholar economical support refund checks outright or required college students to income their aid checks and provide a portion to the co-conspirators.

Anderson, Yolanda Thomas, and Parker each and every pleaded responsible to just one count of conspiracy to dedicate wire fraud, five counts of wire fraud, and four counts of fiscal support fraud. They each individual facial area a utmost penalty of 20 many years in jail on each of the conspiracy and wire fraud expenses, and five a long time in jail on each of the fiscal assist fraud prices. Leo Thomas pleaded guilty to a single depend of conspiracy to dedicate wire fraud and faces a maximum penalty of 20 many years in jail. All defendants are scheduled to be sentenced on Dec. 15. A federal district court docket decide will identify any sentence just after contemplating the U.S. Sentencing Recommendations and other statutory factors.

Assistant Attorney Normal Kenneth A. Polite, Jr. of the Justice Department’s Legal Division U.S. Legal professional Peter D. Leary for the Middle District of Georgia Distinctive Agent in Demand Keri E. Farley of the FBI Atlanta Subject Office environment Particular Agent in Demand Reginald J. France of the Department of Education and learning Place of work of Inspector Standard (ED-OIG), Southeastern Regional Business and Unique Agent in Demand James E. Dorsey of the IRS Felony Investigation (IRS-CI) created the announcement.

The FBI, ED-OIG, and IRS-CI are investigating the situation.

Assistant Main Leslie S. Garthwaite and Demo Lawyers Matt Kahn, Siji Moore, and Spencer Ryan of the Legal Division’s Fraud Part are prosecuting the circumstance, with useful help from the U.S. Attorney’s Business office for the Center District of Georgia.

September 29, 2022

16 Business Ideas for Musicians

For musicians looking for alternatives within just the business, there are a whole lot of smaller small business tips that are well worth pursuing. In addition, there are numerous corporations that keep the songs field functioning as a total, and these music organizations be an fantastic match for musicians with an entrepreneurial streak. In this short article, we’ll go by means of some of the most effective company strategies for musicians and how to get started out.

The Songs Sector in 2022

The audio field has seen a severe boom with the introduction of streaming products and services. The live music field, file labels, and the event industry are all witnessing a desire for musicians and distinct sorts of audio organizations.

Why You Ought to Consider Starting up a Tunes-similar Company

Songs lovers with a passion for company have a ton to look at. Whether or not you are interested in songs-relevant occasions, audio publishing, or some thing adjacent to that, there are a lot of lucrative business enterprise concepts that you can go for. You could even strike out on your possess like several new music producers have and begin your have small business by doing the job with increasing talent.

Top rated Small business Tips for Musicians

There are several terrific enterprise strategies for people with musical skills and small business acumen. We’ll overview some of the top tunes marketplace enterprises you can take into consideration pursuing.

1. Music video director

The tunes market includes lots of folks who go guiding the digicam to immediate new music videos. You can do the job with rising talent as a audio movie director and carry their vision to everyday living, which includes the innovative direction.

2. Tunes Producer

Tunes output could be a fantastic suit for you if your musical abilities lie in not just melodies but also in putting alongside one another music. You can perform with musicians to make tracks from start out to complete, including placing with each other the lyrics and the beat.

3. New music University

If you’re looking to instruct the up coming technology of musicians and artists, you could begin your personal songs faculty. This could involve lessons on new music idea, instruments, vocal classes, and other spots of songs.

4. New music Blogger

If you really like listening to songs and are making an attempt to figure out how to make dollars listening to music, starting to be a audio blogger could be a terrific healthy. You could begin a audio site with critiques, a songs podcast, or publish for a reputed tunes assessment web page to share your viewpoint on the latest releases and songs information.

5. Recording Studio Owner

If you’re keen to place up the initial investment to build your individual recording studio, you could commence your individual recording studio. Recording artists can lease it out for distinct intervals of time for recording periods for their songs.

6. Songs Remedy

One more increasing area for musicians is tunes treatment for equally grownups and kids. You can get the job done with shoppers to provide therapy services via new music, and this can glimpse distinctive based mostly on your techniques and abilities, these kinds of as creating tunes together, discovering instruments, dancing, and more.

7. Document Label Owner

For music fans on the lookout for the following large matter, starting your own record label could be a terrific in good shape. You can indicator distinct recording artists or a musical act centered on the genres you are interested in or in which you see the most potential.

8. Music Teacher

Quite a few new music educational facilities are hunting for capable academics for their learners. You could turn out to be a music trainer for devices, singing, and vocals, or even run some business courses that more mature college students could be looking for.

Far more Financially rewarding New music Business enterprise Tips

There are numerous other new music careers that you can go after if you would like to perform tunes. We’ll go as a result of some much more worthwhile tunes enterprise thoughts that could be a great fit.

9. Songwriter

If you like to generate tracks, you can become a professional songwriter. As a songwriter, you could publish your own music that you could pitch and offer to other musicians and record labels wanting for new tunes to license and develop.

10. Tunes Store Operator

If you’re searching for means to make tunes much more obtainable and accessible, think about setting up your individual music shop. You could market musical devices or even begin a music instrument rental service as nicely as data and songs CDs.

11. Music Publicist

For those people who are very good at networking, a new music publicist could be the right in good shape. You would get the job done with journalists and report labels as a audio promoter for recorded audio and artists, including facilitating interviews, PR, and other initiatives.

12. Recording Artist

For musicians that want to put themselves out there, getting a recording artist has grow to be a a lot more practical solution many thanks to streaming audio solutions. You can file and incorporate audio to tunes streaming platforms to gain new listeners. Here’s a source on how to make funds streaming on songs platforms and other on-line video clip channels.

13. Video clip Video game Audio Creator

Movie games are all about the background music they need to have gifted audio creators to enable set the scene and build that ambiance with concept songs. You can get the job done with movie video game publishers to build the audio for the activity, such as a concept tune and other audio material.

14. Session Musician

Session musicians operate with bands and vocalists that quickly need a musician for their general performance. For case in point, a band could have to have a drummer for a couple of nights to play a gig or a guitarist to insert to their recording periods. Based on your competencies and talent, you could function with recording studios to get the job done with their musicians.

15. Voice Mentor

Lots of vocalists are wanting for techniques to reinforce their voices and coach for a precise general performance or celebration. You could come to be a vocal coach and offer personal lessons to vocalists and musicians to get ready them for phase gatherings.

16. Nearby Celebration Artist

A lot of nearby occasions seek musicians to execute, these types of as weekend concerts and seasonal festivals. You can also operate with neighborhood businesses in the region, these types of as a wedding ceremony band business enterprise or a cell DJ company, to reserve additional gigs.

What Can Musicians Do to Make Cash?

There are a lot of choices obtainable for musicians that want to make income. You can start out your individual business, which include blogging, new music movie route, tunes distribution, a music licensing enterprise, and other services in just the recording industry.

What Business Can you Commence As an Artist?

As an artist, you can get started a enterprise by becoming a session musician, doing the job with music publishers to sell your songwriting, or starting your individual document label to explore and nurture new talent.

Graphic: Envato Aspects

September 29, 2022

Newtek Business Services Corp. Forecasts Fourth Quarter

BOCA RATON, Fla., Sept. 28, 2022 (Globe NEWSWIRE) — Newtek Company Expert services Corp., (NASDAQ: NEWT), an internally managed organization improvement business (“BDC”), introduced these days it is forecasting a fourth quarter 2022 income distribution of $.70 for every share.¹ In anticipation of the Business converting from a BDC and discontinuing its election to be regulated under the Expenditure Business Act of 1940 (“1940 Act”), subject to regulatory approvals of its pending acquisition of Nationwide Lender of New York Town (“NBNYC”) and other conditions described in the Company’s proxy assertion filed with the SEC on May well 2, 2022, following which the Organization will no extended qualify as a regulated expenditure corporation (“RIC”) for federal revenue tax purposes and will no for a longer period qualify for accounting treatment method as an investment organization, the Organization anticipates distributing 90 – 100{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of its 2022 taxable money, in addition to a spillover dividend of its retained earnings, which we hope to be paid out out as a fourth quarter 2022 distribution in December 2022.

Barry Sloane, CEO, President and Chairman commented, “We are incredibly happy to give a forecast of our fourth quarter 2022 money distribution to shareholders. If declared by the Board, the Business expects to fork out about $2.75 for every share in income dividends and distributions to shareholders in 2022 and, as these, to have obtained its aim of supplying desirable hard cash-on-funds returns to its shareholders. This cash distribution would provide the whole dividends and distributions paid out in 2022 in line with the Company’s previously forecasted assistance of $2.40 for every share to $2.90 per share. Even though the overall 2022 distribution may well involve a return of funds, the dedication of the tax attributes of the Company’s 2022 distributions will not be made right up until the conclusion of the Company’s fiscal year primarily based on its taxable cash flow for the complete calendar year and distributions compensated for the full 12 months. We are excited as we foresee exiting the BDC area, topic to regulatory approvals to purchase NBNYC, and come to be a bank keeping company. We take pleasure that all over our 8 many years of operating as a BDC, we have lived up to our determination of doing as a large-yielding growth-oriented BDC.”

Mr. Sloane continued, “Importantly, we have made excellent strides in preparing for the possession of NBNYC and assume to forecast 2023 and 2024 earnings and functionality metrics following receipt of regulatory approvals of our acquisition of NBNYC. We believe these forecasts will supply an chance for traders to consider Newtek likely ahead.”

Mr. Sloane concluded, “Some of the important objects we seem ahead to as component of our conversion to a bank holding company are the expected changeover of the Company to staying covered by financial institution analysts from BDC analysts, the opportunity chance to be viewed as for inclusion in the Russell 2000, an enhance in our universe of potential traders who may perhaps have been precluded from investing in a BDC due to our position as a 1940 Act business, Newtek’s belief that it can deliver increased total returns on equity as a bank keeping business than as a BDC, and most likely unlocking more shareholder worth via engineering joint ventures and the implementation of the Newtek Advantage™ business portal for our customers. That explained, we could not be a lot more excited about our long run irrespective of tough capital marketplaces. Like an iceberg with its core and toughness beneath the area, Newtek thinks that it has developed a remarkable foundation, which may perhaps not however be found, but continue to exists that is the core of pleasure which we believe that will be unlocked for all to see less than this new framework.”

¹Be aware pertaining to Dividend Payments: Quantity and timing of fourth quarter dividend or distribution, if any, stays subject matter to the discretion of the Company’s Board of Administrators.

Newtek Small business Expert services Corp., Your Enterprise Answers Company^®, is an internally managed BDC, which along with its controlled portfolio providers, offers a huge selection of business enterprise and economic solutions below the Newtek^® manufacturer to the compact- and medium-sized company (“SMB”) sector. Since 1999, Newtek has delivered condition-of-the-art, price-effective items and products and services and successful small business strategies to SMB associations throughout all 50 states to help them expand their sales, handle their expenses and reduce their hazard.

Newtek’s and its portfolio companies’ goods and products and services consist of: Enterprise Lending, SBA Lending Alternatives, Electronic Payment Processing, Technological innovation Alternatives (Cloud Computing, Facts Backup, Storage and Retrieval, IT Consulting), eCommerce, Accounts Receivable Financing & Stock Financing, Coverage Options, World-wide-web Products and services, and Payroll and Gains Options.

Newtek^® and Your Business enterprise Remedies Firm^® are registered logos of Newtek Organization Expert services Corp.

Be aware With regards to Forward Hunting Statements

This press launch contains particular forward-hunting statements. Phrases these kinds of as “believes,” “intends,” “expects,” “projects,” “anticipates,” “forecasts,” “goal” and “future” or identical expressions are supposed to discover forward-on the lookout statements. All ahead-looking statements involve a number of hazards and uncertainties that could trigger precise results to differ materially from the options, intentions and expectations mirrored in or proposed by the forward-on the lookout statements. Such risks and uncertainties involve, amongst other folks, contain our potential to close the pending acquisition of the Nationwide Lender of New York Metropolis (the “Transaction”), get expected regulatory approvals for the pending Transaction, the timing of the closing of the Transaction, the timing of the Company’s discontinuance from regulation as a BDC less than the 1940 Act, projections regarding or contemplating the pending Transaction, the timing of our potential to originate new investments, obtain specific margins and levels of profitability, the availability of further capital and the means to manage specified debt to asset ratios, intensified competition, operating complications and their impact on revenues and income margins, expected upcoming business strategies and economic overall performance, predicted long run amount of clients, small business potential clients, legislative developments and related matters. Risk things, cautionary statements and other conditions, which could induce Newtek’s real results to differ from management’s current anticipations, are contained in Newtek’s filings with the Securities and Trade Commission and obtainable via http://www.sec.gov/. Newtek cautions you that ahead-hunting statements are not assures of foreseeable future efficiency and that real effects or developments may possibly vary materially from those projected or implied in these statements.

Source: Newtek Small business Providers Corp.

Investor Relations & Community Relations
Contact: Jayne Cavuoto
Phone: (212) 273-8179 / jcavuoto@newtekone.com

September 29, 2022

Vt. lawmakers consider education finance reforms

MONTPELIER, Vt. (WCAX) – Vermont lawmakers are as soon as once again thinking about education finance reforms subsequent the passage of academic equity steps previous session.

Each individual 12 months on City Assembly Working day, voters weigh in on faculty budgets at the ballot box. That faculty expending is funded via the statewide Instruction Fund, which gathers revenue by a combination of property taxes and product sales taxes, with cash flow sensitivity provisions limiting how a great deal small-money Vermonters spend.

“I assume that most Vermonters know that we have a terribly elaborate training funding program,” claimed Rep. Scott Beck, R-St. Johnsbury.

Lawmakers last year overhauled Vermont’s university funding method to make the slices of the pie much more equitable and that reignited perennial debates about who pays into the method and how considerably.

“What’s the connection amongst the votes that folks make in Town Conference Day — or at the ballot box — and what they vote for, how substantially they fork out, and no matter whether that is clear adequate for individuals to be producing the appropriate conclusions,” Kornheiser explained.

Supporters of the change to funding educational facilities based completely on money taxes say it would be fairer and more simple. But skeptics say property taxes are additional stable, even though profits taxes may possibly fluctuate for the duration of financial downturns. And there are also inquiries about what the shift signifies for other Common Fund systems together with human companies, economic enhancement, and climate transform initiatives that are financed by way of revenue taxes.

“If we choose revenue out of that bucket, what is the affect on the skill of the point out to keep or improve existing degrees of service to endure the future financial downturn,” reported Sen. Ann Cummings, D-Washington County.

The plan of instruction funding reform has been kicking around for many years. Lawmakers say any variations to the program will have to be created carefully. “Usually, to get a massive carry and a major improve, you have to be confident that you are really going to enhance the lives of Vermonters. We’re not likely to do this if there is likely to be no impression and people today are not going to feel it and it is not going to make peoples’ lives greater,” Rep. Beck reported.

A research committee will spend the next number of months crunching the quantities to see irrespective of whether switching to an earnings tax would be possible, and perhaps arrive up with a bill to introduce up coming session.

Connected Stories:

Vermont for every-pupil investing reform invoice signed into regulation

Vt. coalition pushes for faculty funding fairness

Vermont lawmakers to decide on up training finance reform efforts this drop

Job power is effective to rethink schooling funding in Vermont

September 28, 2022

Harris Williams Advises Inspirage on its Pending Sale to Accenture

RICHMOND, Va.–(Organization WIRE)–Harris Williams, a worldwide investment bank specializing in M&A advisory products and services, announces it is advising Inspirage, a portfolio enterprise of RLH Equity Associates (RLH), on its pending sale to Accenture (NYSE:ACN). Inspirage is a major service provider of Oracle Cloud supply chain transformation and consulting companies. The transaction is staying led by the Harris Williams Engineering Team and Business Expert services Group, including Priyanka Naithani, Anthony Basmajian, Derek Lewis, Monthly bill Greven and John Chase.

“The great importance of offer chains has never ever been as pronounced as it is now. Strategic potential buyers and economic buyers are actively pursuing options, like Inspirage, that have deep domain abilities although employing technology, the two application and providers, to make supply chains protected, sustainable, and an area of aggressive gain,” explained Priyanka Naithani, a handling director at Harris Williams.

“The mix of Inspirage’s decades-extensive relationship with Oracle and understanding of the important source chain problems that experience product-based organizations establishes a special and impressive player in the industry,” said Anthony Basmajian, a controlling director at Harris Williams.

Inspirage delivers close-to-conclude transformational initiatives solving the most important supply chain challenges for merchandise-based corporations. The enterprise gives deep sector experience and unparalleled know-how of Oracle’s cloud-based programs to provide consulting, IP, and implementation options spanning merchandise lifecycle management, provide chain management, logistics, ERP (organization resource setting up), finance, enterprise efficiency management, and digital transformation. Inspirage associates with their consumers to split down information and facts silos and optimize overall performance to speed up innovation, gasoline progress, and attain operational excellence.

RLH companions with passionate business owners in uniquely-positioned, substantial-progress, knowledge-centered enterprises driven by macro changes in technological know-how, healthcare and regulatory environments. RLH’s portfolio organizations focus on supplying specialised consulting, engineering, techniques integration and professional companies with $30 million to $150 million of yearly earnings at the time of investment decision. The RLH investment crew provides strategic and operational steering to its portfolio providers in navigating the chances and troubles of scale and speedy advancement. RLH’s insights and processes to assist business people in constructing sector main enterprises have been honed around RLH’s additional than 40-year heritage of productive investing.

Harris Williams, an financial investment financial institution specializing in M&A advisory providers, advocates for sellers and prospective buyers of corporations around the world as a result of crucial milestones and delivers considerate assistance all through the life of their companies. By collaborating as a person company throughout Industry Groups and geographies, the firm aids its clientele attain outcomes that assist their targets and strategically create price. Harris Williams is fully commited to execution excellence and to making enduring, valued interactions that are primarily based on mutual rely on. Harris Williams is a subsidiary of the PNC Money Providers Team, Inc. (NYSE: PNC).

The Harris Williams Know-how Group advises top private and public companies, founders, and non-public fairness, growth equity and undertaking funds firms on mergers and acquisitions and cash-boosting transactions around the world. The Engineering Group has deep area skills in program and engineering-enabled products and services and dedicated concentration parts across a variety of vertical program programs and conclusion marketplaces. For a lot more info on the Technology Team and its recent transactions, pay a visit to the Know-how Group’s area of the Harris Williams web site.

The Harris Williams Business enterprise Providers Group has encounter advising organizations that deliver a variety of commercial, industrial and qualified providers. For additional data on the firm’s Enterprise Solutions Team and other new transactions, pay a visit to the Company Companies Group’s part of the Harris Williams web-site.

Harris Williams LLC is a registered broker-vendor and member of FINRA and SIPC. Harris Williams & Co. Ltd is a personal minimal enterprise included underneath English legislation with its registered business at 8th Floor, 20 Farringdon Avenue, London EC4A 4AB, Uk, registered with the Registrar of Firms for England and Wales (registration range 07078852). Harris Williams & Co. Ltd is authorized and controlled by the Fiscal Perform Authority. Harris Williams & Co. Corporate Finance Advisors GmbH is registered in the industrial register of the nearby courtroom of Frankfurt am Primary, Germany, less than HRB 107540. The registered address is Bockenheimer Landstrasse 33-35, 60325 Frankfurt am Main, Germany (e mail tackle: hwgermany@harriswilliams.com). Geschäftsführer/Administrators: Jeffery H. Perkins, Paul Poggi. (VAT No. DE321666994). Harris Williams is a trade title under which Harris Williams LLC, Harris Williams & Co. Ltd and Harris Williams & Co. Company Finance Advisors GmbH perform small business.

September 28, 2022

Riqueza is Our Birthright: The Power of Personal Finance Education in Latinx Communities

¡Adelante Nasdaq! — our worker resource group (ERG) that explores Hispanic, Latinx and indigenous cultures — is a driving pressure of our Hispanic heritage and Latinx endeavours at Nasdaq. In honor of Hispanic Heritage Thirty day period, we’re spotlighting influencers to superior comprehend what staying Latinx signifies to them and the position money literacy performs in their neighborhood.

Lea Landaverde is a to start with technology, Queer Latina material creator and prosperity coach. She is the founder of The Riqueza Collective and podcast host of Mi Riqueza. Lea has about 7 yrs of encounter in the money market in prosperity administration, investment banking and own finance instruction. Her mission is to crack generational dollars curses for BIPOC & LGBTQ+ people today as a result of uncooked, true and transparent monetary education. Lea is also an activist for Immigrants, BIPOC and LGBTQ+ rights and mental health.

Make sure you tell us what impressed you to get started out in the investing house.

My journey to finance and investing was driven from the housing disaster of 2008 in which I supported my Salvadoran immigrant parents and family even though they navigated the economic downturn.

At the youthful age of 11, I was translating late monthly bill notices and talking English on their behalf to ensure what they required to say was recognized. Viewing my dad and mom navigate the fiscal procedure with no expertise influenced me to press ahead and discover how dollars moved in the United States. This led me to receive my bachelor’s and master’s diploma in Finance and work in the money companies field for about seven decades.

What do you aim to realize with your social written content and influence?

My goal is to encourage other 1st-generation, kids of immigrants and Queer Folk in just my Latinx community. I want to create material that allows my group redefine what prosperity is and what it can be. My intention is to influence my group to be the adjust they want to see for their family members. To be the initially to open up a bank account, receive a credit history card, put absent price savings and become an trader. Riqueza is our birthright, I want to distribute the expertise of individual finance so my group can regain the electricity to create generational wealth.

What does currently being fiscally literate indicate to you?

Becoming economically literate suggests understanding the way your dollars moves in your lifetime. This can be distinct for each individual human being, but it is all about comprehending the foundations of income. For instance, budgeting, conserving, paying off personal debt, constructing credit history and so on.

Money literacy has entirely modified the way I transfer all-around funds and live my daily life. It has allowed me to operate on my frame of mind with income and eradicated the scarcity I felt from sensation overcome by monetary selections.

I learned that the fiscal journey is volatile because we cannot management lifestyle. As a result, I dwell in the second even though getting ready for tomorrow.

How has monetary literacy impacted you in the course of the trajectory of your profession?

My occupation now revolves all-around economical literacy and the movement to provide authentic, raw and clear money education to marginalized communities.

Educating mi gente to make positive the following generación has additional instruments to navigate the monetary system and build riqueza with no dread.

I never believed I’d be a personal finance content material creator and CEO of a Money Coaching Practice, but the passion was always there… to enable mi comunidad to keep away from comparable ordeals my generation has faced.

Why is it vital for the next era, and significantly the Latinx local community, to be monetarily literate?

According to a Census analyze on populace projections, it is anticipated that by 2045 the U.S. will be minority white, and the Latinx population will make up 24.6{ac23b82de22bd478cde2a3afa9e55fd5f696f5668b46466ac4c8be2ee1b69550} of the inhabitants. Our neighborhood will multiply and participate in the fiscal procedure. I want the next technology of la comunidad Latinx to be empowered to build their wealth through investing, and with the awareness of own finance, which unfortunately continues to be a privilege in today’s entire world.

Is there a distinct optimistic working experience you have had with financial literacy means you’d like to share for some others in just the LatinX local community who are seeking for support?

Due to the lack of economical training methods, I have been capable to generate my have video clips and other articles on social media to aid bridge that gap. But surprisingly enough, I am not alone! Just by means of TikTok, IG and Youtube, you can obtain so a lot of means on individual finance.

I also feel in books are a excellent useful resource to assist achieve schooling and point of view:

My beloved books are:

The views and thoughts expressed herein are the views and opinions of the author and do not essentially replicate all those of Nasdaq, Inc.