Every NFL offseason trade so far, graded: Breaking down the biggest deals around the league
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Medium_35: Alexandra Kadlečík Smolková
Galéria Medium oslavuje v roku 2026 svoje 35. výročie na pôde Vysokej škole výtvarných umení v Bratislave! Pri tejto príležitosti sme si pre Vás v priestore bývalého artshopu na Hviezdoslavovom námestí pri vstupe do galérie pripravili projekt Medium_35. Medium_35 predstaví počas roka 2026 samosebakurátorovaný výber z knižníc dvanástich osobností VŠVU, ktorí majú ku galérii vzťah a na základe kľúča, ktorý si sami*y vyberú. V apríli nás svojou knižnou zbierkou v analógovej aj digitálnej podobe obohatí Alexandra Kadlečík Smolková, ktorá bola ešte do 6. apríla technickou asistentkou Galérie Medium (a úradne stále je, len má pauzu na materskej). Alexandra je vizuálna umelkyňa a doktorandka na Katedre socha, objekt, inštalácia VŠVU. Okrem sochárstva vyštudovala archeológiu a jej aktuálny umelecký výskum sa zaoberá priesečníkmi filmu a sochárstva. Ku každému výberu pripravíme krátke video o tom, čo v galérii uvidíte a aký vzťah k nej majú naše gratulantky a gratulanti. Ďakujeme, že ste s nami a že máte Medium radi*y! Video: Michaela Prablesková / In 2026 Medium Gallery celebrates its 35th anniversary as a part of Academy of Fine Arts and Design in Bratislava! On this occasion we have prepared in the premises of the former artshop by the entrance to the gallery a new project called Medium_35. Medium_35 introduces throughout 2026 self-curated selection from libraries of twelve personalities of the AFAD who have a special relationship with the gallery and according to criteria they will choose on their own. In April will be on view analogue and digital library of Alexandra Kadlečík Smolková, the technical assistant of the Medium Gallery (currently on maternity leave). Alexandra is a visual artist and an ArtD. student at the Department of Sculpture, Object, Installation of the AFAD. She studied archaeology and her current artistic research deals with intersections of film and sculpture. Each selection will be accompanied by a short video about what you will have a chance to see at the galery and what kind of relationship do our congratulators have with our gallery. Thank you for being with us and liking us!
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Greater Good Auction Co. – "Do All The Good You Can"
www.GreaterGoodAuctioneers.com Greater Good Auction Co. | Fundraising with Purpose "Not only must we be good, we must also be good for something." – Henry David Thoreau Some companies exist to close deals. Greater Good Auction Co. exists to open hearts. Founded by Kevin Quinn – U.S. Marine Corps veteran, former promotional marketing executive, and credentialed benefit auctioneer – Greater Good Auction Co. was built on a singular conviction: that fundraising, done right, is an act of service. Not a transaction. A transformation. Who We Serve Greater Good Auction Co. partners with nonprofits, ministries, and faith-based organizations that are working to change their corner of the world. Whether you're funding a local outreach program, supporting children at risk, or advancing a cause close to your community's heart, we exist to help you raise both funds and awareness – while staying true to the mission that drives you. What Sets Us Apart Most auctioneers show up on event night. Kevin Quinn shows up 40 hours before that. Before stepping onto any stage, Kevin volunteers directly with each client's organization – learning the people, witnessing the work, and absorbing the mission from the inside out. This isn't a gimmick. It's a philosophy. When Kevin speaks on your behalf during an auction, he isn't reciting talking points – he's sharing lived experience. That authenticity is felt in the room, and it moves donors from intellectual consideration to genuine, generous action. Kevin's path to auctioneering is anything but ordinary. After three decades building an elite career in branded promotional marketing – reaching top one-half percent status in the promotional products industry – he sold his business and discovered, within 60 days of retirement, that he wasn't finished contributing. His search for meaningful second-act work led him to auction school, then to liquidation, estate, and antique auctions, and ultimately to the world of benefit auctions, where his skill set and his values finally converged. Credentials That Count Kevin is a graduate of the World Wide College of Auctioneering and holds the Benefit Auction Specialist (BAS) designation from the National Auctioneers Association – a credential recognizing specialized expertise in charitable fundraising events. He also serves on the Board of Directors of the Missouri Professional Auctioneers Association. With more than 250 hours of focused professional training (and growing), Kevin brings both preparation and passion to every event. A Complete Range of Event Support Greater Good Auction Co. offers far more than a dynamic voice behind a podium. Services span the full arc of your fundraising event: Free initial consultation to evaluate whether a benefit auction aligns with your organization's goals Written proposals with transparent, flexible pricing – because every organization's needs are different Guidance on auction item selection and sourcing Creative event concepts that make your gala memorable and meaningful, not just profitable Promotion strategy consultation to maximize attendance and engagement Referrals to vetted vendors – venues, photographers, caterers, and more Collaboration on event agenda and program flow Live auction leadership, Fund-A-Need, Paddle Raise, and Special Appeal facilitation Emcee services to unify the experience from start to finish A post-event consultation to close out the evening with clarity and momentum During the auction itself, Kevin reads the room, adapts his energy in real time, spotlights your cause with storytelling that inspires rather than pressures, and keeps the evening moving with warmth, humor, and purpose. The Mission Behind the Mission Kevin's personal mission statement – "Allow God to use me to teach the world to give" – isn't posted on a wall. It's lived out in every auction, every volunteer hour, and every relationship he builds. He is the co-founder of an organization dedicated to rescuing and restoring trafficked children in Costa Rica, and has served as a volunteer ministry leader for more than a decade. When he asks for generosity on your behalf, he does so as someone who already gives – of his time, his skill, and his heart. Ready to expand your impact? Greater Good Auction Co. offers a complimentary consultation to explore how a benefit auction could advance your organization's mission. www.GreaterGoodAuctioneers.com
Digital Marketing in RK ASHRAM 2026
Unlock your career potential with our advanced Digital Marketing Course at RK Ashram. What is the digital marketing? Imagine you are the owner of a circus, and you are putting up its posters all over the city. That means you are now advertising, and if the same poster is stuck on an elephant that is roaming around the city, then now you are promoting, and if that elephant goes outside a big film star's house and this is covered by the newspaper, then publicity is happening, and if that newspaper is read by that film star, then your public relations are taking place. And now when the performer’s price is told to the public, then that is sales. When you properly plan, manage, and execute everything, that is called marketing. And when you do this on an online platform, that is called digital marketing. Digital marketing with social media (SMM) It is a small world that connects your business to people through social media methods. Facebook :- Facebook was created on 4 Feb. 2004 by Mark Zuckerberg along with his friends and Harvard classmates Eduardo Saverin, Andrew McCollum, Dustin Moskovitz, and Chris Hughes. At present, it is run by its parent company Meta Platforms, which we also know as Meta Ads, and it is helping in business growth. Instagram :- Instagram was created in October 2010: Kevin Systrom and Mike Krieger in San Francisco were the ones who created Instagram. It helps businesses grow globally, like Facebook. Meta was bought by Meta in April 2012 for $1 billion. Whatsapp;- WhatsApp was created in 2009 by Jan Koum and Brian Acton, who were two former Yahoo employees. These two employees initially made a messaging app through which anyone in the world could talk fast, and it was acquired by Meta in 2014 for $19 billion, which was one of the largest deals in tech history. Linkedin;- This is a professional platform : it was created on 5 May, 2003, and provides professional workers, employees, and audiences for your business. Here, you can also run ads to grow your business and connect your business globally. Telegram;- Telegram was created on August 14, 2013, by two brothers, Pavel Durov and Nikolai Durov. It was made as a messaging app that provides privacy and speed. Marketers also know it from Telegram ads; it sends your ads as sponsored messages on public channels, but public channels should have a minimum of 1000 subscribers. Twitter :- This is a professional platform: it was created on 21 Mar, 2006, and it provides professional employees, staff, and audience for your business as like Linkedin. Here, you can also run advertisements to grow your business and connect your business on a global level. Purpose of Digital Marketing This helps your business grow globally and increase income, it makes your brand aware, will help generate an audience, and will expand your business to corners of the world. Global Reach :- This gives your business an audience and clients from all over the world, which is a good thing for your business. By using applications like social media such as Instagram, Facebook, WhatsApp, Telegram, Twitter, LinkedIn, email, and YouTube, you can create a real-time connection with your audience, and this is called digital marketing. For example, Rahul opened his tea shop and put up his poster in the city and also put the poster on the back of a truck and public vehicle, which increased publicity. If that newspaper is read by that film star, then your public relations are taking place. And now when the performer’s price is told to the public, then that is sales. Lead Generated :- Lead generation is a third and main goal that provides you with clients and customers. Here, you can know details about your audience such as their full name, gender, age, number, user contact, address, city, and others. This can bring you real-time users, with whose real-time feedback you can Enroll them if your business is in the education sector or health sector, or if you are offering a job, you can also use it. To do this, on social media like Facebook, Instagram, and WhatsApp, you can provide the link to a form or website where there is a form and generate leads. Brand awareness :- this creates a global presence for your business and builds an audience for your business. This informs people about your business through your business's photos and videos, such as ads and posters, similar to the elephant case we saw. It tells people about what you are selling, any service you provide, like entertainment or a circus show example, any new product, any offer, or any anniversary of your business. in all of these, it is about your brand, etc., brand awareness. Customer engagement : You can talk to your client in real time, take their feedback and review, ask about their service experience, tell them about your business, give them any special offer, and help your customer. Best digital marketing institute Within R.K. Ashram R.K. Ashram Introduction R.K Ashram (Ramakrishna Ashram) is
Understanding how to generate new commercial loans - Franco Banares
This training session led by Franco Banares focused on how loan officers can successfully generate, structure, and close commercial loan opportunities using the updated Medallion Funds Referral Partner Toolkit. The session emphasized: Simplifying commercial loan origination for residential LOs Providing structured tools, templates, and workflows Teaching how to identify, submit, and convert commercial opportunities Bridging the knowledge gap between residential and commercial lending The overarching message: 👉 Loan officers already encounter commercial opportunities—they just need the right system and support to capture them. Key Program Highlights 1. “We Can Do Almost Everything” – Broad Lending Capabilities Medallion Funds can handle most commercial and business-purpose scenarios Works across: Primary markets Secondary markets Some tertiary markets Covers: Real estate-backed loans SBA loans Business-purpose financing Construction and bridge loans Exception Scenarios (Harder to Place): Land-only deals Horizontal development without vertical construction 2. Referral Partner Toolkit (Core System for Loan Generation) The Referral Partner Toolkit is the central system designed to help LOs: Main Components Originator Guide Loan programs Guidelines (LTV, loan amounts, property types) Process overview Competitive advantages Referral Partner FAQ Answers common commercial lending questions Helps LOs confidently speak with clients Applications & Scenario Forms Universal commercial loan application (recommended) Asset-specific applications (hotel, multifamily, retail, etc.) Fillable PDFs for easy client completion Scenario Questionnaires Short forms (10–12 questions) Used for early-stage conversations Helps identify deal viability quickly Client & Property Forms Business Debt Schedule Personal Financial Statement (PFS) Rent Roll / T-12 Templates Schedule of Real Estate Owned (SREO) Experience/Track Record Template SBA Package SBA Form 1919 SBA PFS (Form 413) Projections templates Training Materials Commercial Lending 101 SBA training Agency loan matrix (Fannie, Freddie, HUD) Marketing Materials Customizable templates Medallion offers free marketing support 3. Submission Process (Step-by-Step Workflow) A 6-step structured workflow is provided, covering: Scenario intake Initial review Structuring & pricing Term sheet / LOI Processing & underwriting Funding 👉 Includes client-facing checklists for: Investment deals Construction/rehab SBA/business loans 4. Online Scenario Submission Tool (Primary Lead Conversion Tool) Key Features Mobile-friendly (recommended for use on phone) Takes 3–4 minutes to complete Can be filled out by: Loan officer Client Allows: Document uploads (up to 10 files, 40MB) Secure submission Purpose Acts as a guided intake system Ensures correct data collection Helps quickly determine deal viability Key Questions Asked Property type Loan purpose (purchase, refi, bridge, etc.) Loan amount Credit score range Liquidity Special loan features (IO, no-doc, etc.) 5. Loan Officer’s Role vs Medallion’s Role Loan Officer Responsibilities Identify opportunity Collect initial info Submit scenario Coordinate communication Keep client engaged Medallion Responsibilities Structure the deal Price the loan Shop lenders Handle underwriting & processing Assist in client calls and closing 👉 Key takeaway: LOs are not expected to be commercial experts—Medallion handles the complexity. 6. Commercial vs Residential Lending (Critical Differences) Residential Borrower-driven Quick pre-qualifications Standardized underwriting Commercial Property-driven Requires full upfront underwriting Each deal is unique More documentation required early 👉 Key Insight: “The property matters more than the borrower in commercial lending.” 7. Loan Types & Opportunities Covered Multifamily Mixed-use Retail / Office / Industrial Hospitality (hotels) Construction & development Bridge / hard money SBA loans (7(a), 504) Business-purpose loans (working capital, expansion) 8. Capital Access Advantage Medallion operates as: Direct lender (limited cases) Mega commercial broker (primary model) Network Strength 600+ capital sources: Banks REITs CMBS lenders Private lenders Hard money lenders Agencies (Fannie, Freddie, HUD) SBA lenders 👉 Allows: Deal placement flexibility Competitive pricing Ability to handle complex scenarios 9. Pricing & Market Insights Commercial pricing varies widely based on: Loan size Property type Market conditions Investor appetite Key Insight Larger loans (e.g., $1.5M) often price better than smaller loans (
New & Profitable Commercial Lending Programs for NEXANs! - Corbin Dangerfield
This webinar was conducted by Corbin Dangerfield from CCBank, marking his first session presenting to NEXA agents. The format was intentionally free-flowing and scenario-based, focusing on: Real deal structuring SBA vs non-SBA eligibility Identifying commercial loan opportunities Providing actionable guidance (not just theory) The goal moving forward is to transition into more structured, topic-driven sessions while still maintaining real-world applicability and deal analysis. Key Focus Areas Covered 1. SBA Lending Fundamentals SBA loans are primarily designed for owner-occupied businesses. To qualify: Borrower must operate the business occupying the property Cannot be pure investment or speculative real estate Occupancy requirements: New construction: Minimum 60% owner occupancy Existing property: Minimum 51% owner occupancy Key Limitation: SBA cannot be used for investment-only properties SBA cannot fund speculative construction (e.g., fix & flip or spec homes) 2. Investor Commercial Deals (Non-SBA) A real scenario was discussed: Scenario: Investor purchasing a commercial property (mechanic shop) Tenant already in place (triple net lease) Borrower is not operating the business Outcome: ❌ Not eligible for SBA ✅ Potential alternative: USDA B&I Loan 3. USDA Business & Industry (B&I) Loan Opportunity Can work for investor-owned commercial properties Key requirements: Must be in eligible rural geographic areas Property eligibility determined via: USDA eligibility map tool Strategy Insight: Many LOs automatically decline deals that don’t fit SBA USDA B&I loans are a hidden opportunity to capture more deals 4. Underwriting Differences: SBA vs Investor Loans SBA Underwriting: Focuses heavily on: Business cash flow Tax returns Debt service coverage Investor Commercial Loans: Focus shifts to: Lease terms Tenant quality Market rent analysis Rollover risk Income stream stability 👉 Key takeaway: Investor deals are analyzed as income-producing assets, not business operations. 5. Ground-Up Construction (SBA) Eligibility: Allowed only if owner-occupied business use Not allowed for: Spec homes Investment builds Example Use Case: Business owner building: Warehouse Office Truck yard 6. Construction Lending & Contractor Controls Borrower Concern Raised: Risk of general contractors abusing draw process Example: Contractor inflated costs Filed lien → halted project Forced borrower into financial pressure Lender Safeguards (CCBank Approach): Contractor: Not given full financial visibility Only sees construction contract Draw process: Must justify completed work Itemized by category (plumbing, electrical, etc.) Requirements: Proven contractor experience No “first-time” builders without track record Goal: Prevent: Cost overruns Fraud Misuse of funds 7. Business Acquisition Financing (SBA) SBA can finance: Business purchases Ownership transfers Typical Structure: Buyer brings: ~10% down Seller may: Retain ~5% stake (to ensure transition success) Applies to: Operating businesses (e.g., trucking companies, retail, etc.) 8. Industries That Fit SBA Eligible: Gas stations Assisted living facilities Healthcare (urgent care, hospice) Sober living homes Trucking businesses Car washes, hotels, etc. Not Eligible: Non-profit entities (e.g., churches) Exception: for-profit arm of nonprofit 9. Special Use Property Considerations Assisted Living in Residential Property: Possible if: Allowed by zoning/municipality Proper licensing is obtained Conditional use permits (if required) 👉 Key: Compliance with local regulations is critical 10. Gas Station Financing (SBA) Common and actively financed Key Requirements: Phase 1 Environmental Report Cost: ~$4K–$5K Includes: Site inspection Historical contamination review Risk Factors: Underground fuel tanks Environmental contamination 11. SBA Refinance Options Allowed: Refinancing: Seller financing Private/hard money loans More Difficult: Refinancing existing SBA loans into new SBA loans 12. Marketing & Growth Strategy for NEXA LOs Key Insight: “Sales is 80% marketing, 20% product” Needs Identified: Editable marketing materials Flyers/social media content Clear loan program highlights CCBank Plan: Developing: Flyers Tear sheets Deal targeting guides Pending compliance approval 13. Key Opportunity for Loan Officers Biggest Takeaway: Most residential LOs are missing commercial opportunities already in their pipeline. Trigger Conversations to Watch For: “I’m buying a business” “I need a building for my business” “I’m selling my company” “I need land to operate my business” 👉 These are SBA deal signals Final Key Takeaways SBA is business-first lending, not real estate investing USDA B&I is a powerful alternative for investor deals Commercial lending success comes from: Recognizing deal signals Understanding program fit Leveraging the right lender partner NEXA LOs have a major opportu
Dollar General’s 7-Day Beauty Sale is right around the corner
Dollar General is running a seven-day beauty sale with new deals dropping each day from April 12–18. Discounts include ...
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