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Most business owners do not think about insurance until they need it. By then it is almost always too late.

In Episode 79 of Start It or Scrap It, we sit down with Rick Millham Jr. CIC, owner of Millham Companies Inc in Doylestown, PA, a second-generation insurance agency with 35 years in property and casualty insurance. Rick reads every policy. All 300 to 400 pages. He is the kind of advisor who catches the things that blow up your business before they happen.

In this episode:

Why going directly to Progressive or Geico for business insurance can leave you with a catastrophic gap and an audit bill you never saw coming

Why you need commercial auto the moment you put signage or lettering on your vehicle, and what personal auto will and will not cover when you are using it for business

Why you should screen your customers and proactively fire the bad ones before they drain your time, margin, and sanity

The four trusted advisors every business owner needs: a good CPA, a good business attorney, a good insurance agent, and a good banker. Get those right and they handle what you cannot.

TIMESTAMPS

0:00 Cold open highlights
1:06 Intro and welcome: Rick Millham from Millham Companies Inc
1:47 Rick's background: 35 years in property casualty insurance, second-generation agency
3:02 Why should business owners care about insurance?
4:52 What kind of insurance does a typical business need?
5:29 General liability, property coverage, workers comp, and commercial auto explained
6:39 Why independent agents beat direct carriers for business coverage
8:46 Why a relationship with an independent agent changes everything
9:50 Commercial auto vs personal auto: when your personal policy stops covering you
11:27 The moment you put signage on your vehicle the rules change
12:22 The your work exclusion: what general liability does not cover for contractors
13:44 The plumber who installed the water softener that leaked
16:18 Dealing with customers who deny authorizing work and threaten chargebacks
20:52 How to fight chargebacks: document everything, get final sign-offs, never stop submitting
23:29 A retailer shipped $3,600 in shoes overseas and had it all charged back
24:50 Develop policies and make sure your employees know them before you go on vacation
28:10 Workers comp: what it actually does and why a single claim can wreck a small operation
29:23 Experience modification: how your claims history follows you for three years
30:34 Why not every state requires workers comp and what the criminal penalties look like in Pennsylvania
31:42 The uninsured subcontractor trap: why their payroll gets charged to you
33:14 Independent contractor vs employee: the quagmire that bites contractors constantly
33:32 The father who hired his son-in-law as a subcontractor and got sued for workers comp
34:49 Why insurance companies have basically stopped fighting subcontractor injury claims
37:33 The 1099 employee trap: when the IRS decides your contractor was actually an employee
42:30 Screen your customers: fire the bad ones before they destroy your margins and morale
43:15 PEOs professional employer organizations: what they are and why Gummi made the switch
43:22 Why Gummi does not know why anyone uses traditional payroll when PEOs exist
43:38 The PEO benefit nobody talks about: getting on W2 payroll early as an LLC owner
44:47 What a PEO actually handles: taxes, filings, workers comp audits, employee handbook
45:55 How PEO group buying power works for insurance and what it means for a four-person company
48:55 Protein bars arrive live on the show: Zach from Founders Drop gets a real-time review
55:27 Crypto and workplace integration: what crypto actually is at its core
56:05 Smart contracts: what they are, why they matter, and how Ethereum built a business on them
57:06 How smart contracts could eliminate credit card fees for contractors
58:39 The future of crypto in insurance: why Rick hopes to be golfing before it gets there
59:41 How property deeds are actually recorded today and why crypto changes everything
1:02:24 The four trusted advisors every business owner needs: CPA, attorney, insurance, banker
1:03:41 Closing thoughts and World Cup preview

Guest: Rick Millham Jr. CIC, CEPA
Millham Companies Inc, Doylestown PA
Website: https://www.millhamco.com

Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson (marketing expert)

Watch the full episode: https://youtu.be/3txtjnaKZ3A

Subscribe for weekly live business breakdowns every Thursday at 11:30 AM EST.

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Most small business owners do not know what they need to open a business bank account. Most of them are also at the wrong bank when they need to borrow money. And most of them have no idea that a video with 117 views can generate more business than one with 5.7 million.

Episode 78 of Start It or Scrap It covers all of that and more with Kevin Dolton, a 39-year banker and relationship banking manager at First National Bank and Trust of Newtown, one of Bucks County's oldest and most established independent banks.

In this episode:

What you actually need to open a business bank account: the documents most people show up without, why the bank cannot open the account without them, and how to walk in prepared the first time

What happened when 97 websites got hacked and malware sat dormant for 30 days: how AI turned a week-long all-hands cleanup into a three-to-four-day one-person job

The GTA 6 digital side hustle opportunity: selling skins, mods and in-game digital assets before the market gets flooded, and why getting in on day one in a niche that nobody else is filling is the play

How AI voice cloning is being used to scam people by replicating the voice of a family member, using publicly posted social media data to make the story believable, and why the best defense is verification before reaction

The social media chaos survival strategy: build a real community around a niche, stop chasing views, and find the people who actually want what you have

World Cup 2026 business opportunities and the broadcast licensing reality that will get you into legal trouble if you try to show matches publicly without the right license

TIMESTAMPS

0:00 Cold open highlights
1:00 Intro and welcome: Kevin Dolton from First National Bank
2:36 Kevin's background: 39 years at one bank starting as a teller
4:07 What it takes to stay at one company for 39 years
5:38 What you need to open a business bank account
7:22 Fictitious name registration, EIN numbers and the paperwork most people miss
8:46 Go to the bank first and ask what documents you need before you get anything
9:41 What Gummi has been up to: 97 sites hacked, malware dormant for 30 days
10:47 How AI turned a week-long cleanup into a 3-4 day one-person job
11:30 The reality of being a business owner when emergencies hit at 2 AM
12:57 You cannot predict what is going to happen when you start a business
14:22 Triple the money. Triple the time. The honest advice from a 39-year banker.
15:29 Kevin's tip: look for a no minimum balance business account in your first year
16:28 Community bank vs big bank: the difference when you need to borrow money
17:50 Can a signed PO or contract help you get a loan? Here is how it works.
20:25 The relationship is everything: why a banker who shows up at your office changes everything
22:46 Vanity metrics are lying to you: 117 views vs 5.7 million views
24:53 The story of a community built around weird AI music and 12 million Spotify streams
27:00 GTA 6 side hustle: selling digital skins, mods and in-game assets
28:45 The WordPress plugin model: why giving away the core and charging for the add-ons works
31:00 Go niche inside the game before the market gets flooded
33:46 Banking tip for side hustlers: always tell your banker you still have your day job
34:32 Social media chaos: how do entrepreneurs stay consistent when everything is noise?
37:30 Working in your business vs working on your business: the shift every founder must make
40:45 You can hire a boss. You do not have to become one.
43:19 Boats, marinas and solving problems before they become problems
46:00 Stop spending business revenue on personal toys: what bankers actually see
47:15 AI scams: voice cloning, fake arrest calls and how social media data makes it believable
51:25 The $30,000 fake arrest scam: how they used a boarding post to target a mother
53:40 How AI is going to automate social engineering at scale
56:24 Assume everything on social media is false until proven otherwise
57:00 World Cup 2026: sponsorships, fan events and the broadcast licensing trap

Guest: Kevin Dolton
First National Bank and Trust of Newtown
Website: https://www.fnbn.com/
LinkedIn: linkedin.com/in/kevin-dolton-9007868
Bank Social Media
www.facebook.com/fnbnewtown
www.twitter.com/fnbnewtown
www.youtube.com/fnbnewtown  

Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson
(marketing expert)

Watch the full episode: https://youtu.be/8HfhvRs79Ko

Subscribe for weekly live business breakdowns every Thursday at
11:30 AM EST.

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Your employees are not your friends. Traditional marketing is outperforming digital for a lot of businesses right now. And most people quit right before they hit success.

Episode 77 of Start It or Scrap It is a live question episode, just Mike and Gummi taking real questions from the audience in real time. No script. No guest. Just honest practical answers to the questions founders and operators are actually dealing with.

TIMESTAMPS
0:00 Cold open and intro
1:51 What happened this week: Google Business Profile verification nightmare
7:23 It was easier to finance a $70K truck than get a GBP verified
8:05 Never take the government's word for it: the B&B food license story
12:05 Always verify with a lawyer when dealing with regulations
12:44 The value of a decades-long network: from idea to business in 2 weeks
16:22 How guerrilla marketing through the network gets you in front of customers instantly
17:18 Locally Farming Out asks: when do you quit vs keep pushing?
20:00 Go back to the business plan: the first step before throwing in the towel
21:22 The number one business plan mistake: underbudgeting marketing
22:01 Almost everybody quits right before success
25:01 The first 3 to 4 years of entrepreneurship: what to actually expect
26:59 If it must be nice: why the owner grind is invisible to everyone else
29:38 Rachel Carpenter asks: what marketing channel surprised you most in the last 12 months?
29:44 The answer: local TV ads and billboards are outperforming expectations
30:19 Why traditional marketing is massively underrated right now
30:47 Door hangers for service businesses: the math and why it works
34:09 Door hangers at 11 cents each: the ROI breakdown
34:48 Meta ads: when they work and when they do not
35:14 Seasonal and opportunistic marketing: market when your customer needs you most
37:33 When is your busy season and how to plan around it
39:15 Business insecurity: Gummi on not finishing his daily task list
41:06 Why emergencies always push the plan off track and what to do about it
41:28 Business insecurity: Mike on the fear of making the wrong decision
43:32 Own your decisions. Not making one is still a decision.
44:32 Merry Go Round just hired their first employee and is terrified of managing people
47:24 Managing people starts with doing the right thing every time
49:01 The most terrifying part of having employees is not managing them
50:12 How to interview and what hiring is actually about
50:32 Put your employees in a position where they can succeed
51:31 The mold employee: how to identify and deal with the morale killer
55:16 Your employees are not your friends: the professional boundary and why it matters
55:39 You have to become skilled at knowing when to fire someone
56:26 The mold employee grows slowly until it covers the whole office
57:43 Never hire friends or family unless you are willing to fire them
57:48 The story of the dad driving the wrong way up a one way street
59:18 Having your employee's back in public changes the whole culture

Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson
(marketing expert)

Subscribe for weekly live business breakdowns every Thursday at
11:30 AM EST.

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Is college worth it? Are Ivy League schools actually about the network? And how do you avoid overpaying for an education that may not get your kid where they want to go?
 
In Episode 76 of Start It or Scrap It, we sit down with Jay London, the College Advice Guy and Independent Educational Consultant, for an honest and practical conversation about one of the most expensive decisions a family will ever make.
 
Jay has helped over 1,800 students and families navigate the college process in his 16 years of practice. He only takes 25 senior clients per year because the process is that personal. And his approach is simple: treat college like the major consumer purchase it actually is.
 
TIMESTAMPS
 
0:00 Cold open and intro
1:31 Meet Jay London: the College Advice Guy and Independent Educational Consultant
3:46 How Jay approaches the college process: the student first, not the school list
5:36 How Jay got two students off waitlists at top ten schools
9:38 Why better fit equals lower cost: how marketing yourself to a school reduces tuition
10:26 How many students Jay has helped in 16 years and why he limits to 25 seniors per year
12:11 Live question: how do you stop shiny object syndrome as a founder?
14:37 The dopamine hit of new ideas and how to journal through it
15:29 Why overnight success is usually a seven year overnight success
20:18 Live question: how do you start college without a traditional background?
23:37 Why a community college or online degree is a legitimate and smart path
24:43 Live question: is college worth it if you can make good money without a degree?
25:03 Why college is only valuable if it leads to a specific outcome you actually need it for
26:18 Why certifications often outperform degrees in practical job performance
27:11 The stat: 70% of workers are not working in a field related to their degree
29:51 Online college vs in-person: what Jay actually recommends
30:02 The truth about Ivy League networking: does it actually work?
34:23 Real example: the one time an Ivy connection actually opened a door
36:27 Live question: college is a waste of time for entrepreneurs. Change my mind.
37:05 Why going to business school is often the worst path for a true entrepreneur
38:01 The Enterprise Rent-A-Car example: from top employer of college grads to high school grads
43:27 MIT OpenCourseWare and free alternatives to a formal degree
45:08 How AI is going to change the structure and cost of higher education
47:37 The future of college: the University of America and centralized AI-delivered education
50:09 Live question: degree vs common sense and experience in hiring decisions
51:22 Why employers default to degrees and what that actually tells you
53:10 Why a college degree no longer signals what it used to signal to employers
54:49 Live question: I want to start a business serving older people but do not know where to start
55:18 How to figure out what product or service you are actually offering before anything else
57:36 A real senior companion business in progress: companionship, mahjong and daily living
59:30 Why cognitive decline in seniors is driven by lack of social activity and what that means for service businesses
1:01:25 Final takeaway: you do not have to know everything to start. Just know your offer and your audience.
 
🎙️ Guest: Jay London​
The College Advice Guy​
[email protected]​
https://thecollegeadviceguy.com
215-350-8714
 
Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson (marketing expert)
 
Subscribe for weekly live business breakdowns every Thursday at 11:30 AM EST.
 
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#college #collegeadmissions #financialaid #entrepreneur #startitorscrapit #collegeadvice #studentdebt #highereducation #founders #ivyleague #onlinecollege #businessideas #seniorcare #shineyobjectsyndrome #ai

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How do you build a business that actually lasts? According to this week's guest, it comes down to one thing: someone has to fully own it, breathe life into it every single day, and hold the standard relentlessly.
 
In Episode 75 of Start It or Scrap It, we sit down with Phil de Paul, a serial entrepreneur and home services franchise operator on Long Island, NY running both 1-Tom Plumber and United Water Restoration Group. Phil has started businesses that succeeded, businesses that failed, and is in the middle of building something entirely new. He brings the kind of perspective you can only get from actually doing it.
 
TIMESTAMPS
0:00 Cold open highlights
1:51 Meet Phil de Paul: franchises, failures and Staten Island
4:10 Why franchising flips the odds (80% succeed vs 80% fail)
6:47 What went wrong with the junk removal business
9:48 How to win in a commoditized industry by going ultra-niche
13:52 Phil's favorite failed idea and introducing Boomzeal
21:10 Live questions begin: how are you actually using AI in 2026?
22:24 Gummi's AI stack: Claude, GPT, Gemini, voice agents and audits
30:33 Claude Coworker as an executive assistant: auto-send emails and inbox management
34:15 Should you use AI before hiring your next assistant?
35:43 Testing AI before automating: the right way to roll it out
36:05 The one tool he would pay 10x for: Tesla Optimus
46:11 Cybersecurity for small business owners: what actually works
51:07 Social engineering: the threat your staff is not trained for
52:29 Stop using paper checks and why
54:44 Data backups, breach alerts and your legal responsibility
55:19 Privacy policy and terms of service: how often to update them
1:01:51 How to filter freelancers: open rates, click-throughs and proof
1:03:17 Do not hire a helper. Hire for outputs. No task monkeys.
1:06:25 Final advice: fail fast, start it before you are ready

In this episode:

How franchising flips the odds and why the success rates are nearly the inverse of independent business survival rates
 
What Phil did wrong with his junk removal business and what he would do differently today
 
How two operators dominated a commoditized industry by going ultra-niche: one only does estate cleanouts, one only does garage cleanouts, nothing else
 
Why every business needs someone who lives in it and owns it every single day
 
How AI is being used inside real business operations right now: Claude Coworker auto-sending emails, managing inboxes, auditing documents and finding gaps in operations manuals
 
Why you should stop fighting how AI thinks and instead unleash it to structure things the way it wants to
 
The one tool he would pay 10x for: Tesla Optimus
 
Cybersecurity basics every small business owner needs to know: stop hosting anything yourself, use cloud providers, and train your staff to recognize social engineering attacks
 
Why paper checks are a liability and a real story of how a check got whitewashed and rewritten to someone else
 
How to review your privacy policy and terms of service and how often you actually need to update them
 
How to filter freelancers and contractors: ask for open rates and click-through rates, not hours or intentions
 
Do not hire a helper. Hire for outputs. Task monkeys drain your time and kill your business.
 
Why testing, iterating and failing fast is more valuable now than ever

Guest: Phil de Paul
1-Tom Plumber and United Water Restoration Group, Long Island NY

Boomzeal: Phil's emerging personal brand and movement built around leading from within and doing life with high standards
 
Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson (marketing expert)
 
Subscribe for weekly live business breakdowns every Thursday at 11:30 AM EST.
 
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How do you get your first 10 paying customers? What does it actually take 
to recover from burnout without quitting? And when you're ready to sell — 
what do buyers really look for?

In Episode 74 of Start It or Scrap It, we sit down with Alex Booth — 
owner of Get CSM, a customer success manager staffing firm, and 
Huckleberry Consulting — to break down the real answers to the questions 
founders face at every stage of business.

⏱️ TIMESTAMPS:
0:00 – Intro & cold open highlights
2:00 – Meet Alex Booth: Get CSM, Huckleberry Consulting & the Rich and Remote podcast
5:37 – Golf as a networking tool: closing deals on the course (and walking away from bad ones)
13:53 – How to get your first 10 paying customers
20:37 – Marketing & sales tools we're actually using: Go High Level, Claude, Zoho & more
21:36 – AI in business: how to use it lean without losing the human element
26:14 – How Claude manages his LinkedIn 100% — and reach went UP
28:24 – The #1 marketing mistake brick-and-mortar businesses make
30:39 – Brand marketing vs. performance marketing (40–60% should be brand)
36:37 – Burnout: how to recognize it, fight it, and plan through it
43:41 – Delegating and stepping away: why your team gets stronger when you get out of the way
47:21 – Personal branding in 2026: quality vs. quantity, and what's actually working
55:22 – Why copywriters are making MORE money in the AI era, not less
56:45 – The AI power user gap: only 2% of users actually know what they're doing
59:47 – Building a business with an exit in mind: what acquirers look for in 2026
1:01:24 – The 3-year growth rule: why buyers look back three years (and why one good year doesn't count)
1:02:10 – Recurring revenue, churn rate, and long-term contracts as exit multipliers
1:03:19 – The pest control business model: build to sell, repeat
1:05:43 – When should YOU sell? Why founders hold on too long

In this episode:
- How to land your first 10 customers (the exact approach Alex used 
  to build from zero)
- Why networking remains the single most important factor in business 
  growth — no matter how big you get
- How to fight burnout as a solo operator or small team founder
- How AI is being used to run lean operations — from LinkedIn management 
  to voice agents to quality control audits
- The AI power user gap: why only 2% of AI users actually know what 
  they're doing (and how to be one of them)
- The #1 marketing mistake brick-and-mortar businesses make
- Why brand marketing should be 40–60% of your marketing budget
- What acquirers actually look for when buying a business: EBITDA, 
  3-year growth, churn rate, recurring revenue, and long-term contracts
- When to sell vs. keep growing — and why founders almost always 
  hold on too long
- Why customer retention directly increases your business valuation 
  and exit multiplier

🎙️ Alex Booth Links:
Websites:
GetCSM - https://getcsm.com/
Huckleberry Consulting - https://consulthuckleberry.com/
Rich and Remote - https://richandremote.com/

Social Media:
LinkedIn - https://mx.linkedin.com/in/alexander-booth-huckleberry
Facebook - https://www.facebook.com/alex.booth.965
TikTok - https://www.tiktok.com/@huckleberryconsulting?_r=1&_t=ZS-93yPOvQXVhs

🎙️ Hosted by Mike Terkanian (business attorney) and Gummi Sigurdarson 
(marketing expert)

🔔 Subscribe for weekly live business breakdowns — every Thursday 
~11:30 AM EST.

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Instagram → https://instagram.com/startitorscrapit
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LinkedIn → https://www.linkedin.com/in/startitorscrapit/

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#startitorscrapit #networking #burnout #exitstrategy #ai #founders 
#businessgrowth #customeracquisition #recurringrevenue #businessstrategy

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AI isn’t coming…

It’s already here.

In this episode of Start It or Scrap It, we break down real-world ways AI is changing how businesses operate, including how it can replace hours (or even hires) when used correctly.

We get into:
- How AI saved hundreds (if not thousands) of hours
- Why businesses are using AI instead of hiring
- The risks of using AI incorrectly (and how it can cost you money)
- How to actually use AI tools effectively

We also cover:
- Simple reselling opportunities most people overlook
- How to source products at low cost
- Why “there’s money everywhere” if you know where to look
- How to start with little to no money

If you’re building a business or thinking about it this one is packed with practical insights.

📲 Follow Us:
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Instagram: https://www.instagram.com/startitorscrapit
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#ai #entrepreneur #business #startup #automation #sidehustle #reselling #ecommerce #founders #growth

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Signing a commercial lease seems simple…

Until the hidden costs start showing up.

In this episode of Start It or Scrap It, we break down what most business owners don’t realize until it’s too late:

👉 Rent is just the beginning.

We get into:
- Hidden costs inside commercial leases
- What “triple net” actually means
- Why repairs and maintenance can fall on you
- The financial traps that catch first-time business owners
- Real-world mistakes that cost way more than expected

We also expand into:
- Why underpricing can quietly kill your business
- The difference between running a business vs being stuck in it
- Practical lessons founders learn the hard way

If you’re thinking about signing a lease — or already have — this is one you need to watch.

🎧 Watch now: https://youtu.be/8biHEIOC1lw

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If your business requires you 100% of the time…

👉 Do you actually own a business… or did you just create a job for yourself?

In this episode of Start It or Scrap It, we break down one of the most controversial truths in entrepreneurship.

We get into:

The difference between a business and a self-created job
Why most solopreneurs get stuck
How to build systems that run without you
When (and how) to hire the right people
Why your goal should be making yourself replaceable

One key takeaway:
If you can’t step away, the business owns YOU.

We also dive into:

A viral “ghost kitchen” business idea
Why audience-product fit matters (MrBeast example)
Real-world business debates and unconventional takes

This one challenges how most people think about “owning” a business.

📲 Follow Us:
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Instagram: https://www.instagram.com/startitorscrapit
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#entrepreneur #businessowner #startup #founders #businessstrategy #smallbusiness #growth #mindset #scaling #leadership

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What’s the best side hustle you can start with no money?

In this episode of Start It or Scrap It, we break down real, practical side hustle ideas that don’t require capital — just execution.

We get into:

Service-based businesses you can start immediately
How to use AI to find the right business for YOU
Why niche markets are more powerful than you think
Real examples of simple ideas turning into serious income
The truth about scaling from “side hustle” to real business

One of the biggest takeaways:
👉 You don’t need money to start — you need willingness to do the work.

📲 Follow Us:
YouTube: https://www.youtube.com/@StartItOrScrapIt
Instagram: https://www.instagram.com/startitorscrapit
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