Commercial Real Estate Financing for Small Business Owners

Purchasing, renovating, or expanding into commercial property represents one of the largest financial commitments a small business owner will ever make. Understanding how real estate-related financing fits alongside a business’s other funding options helps ensure this significant decision gets the careful planning it genuinely deserves.

Why Commercial Real Estate Financing Requires Its Own Careful Approach

Unlike financing a piece of equipment or covering a working capital gap, commercial real estate typically involves a considerably larger dollar amount and a longer time horizon than most other business financing decisions. This scale means the underlying qualification standards, and the stakes of getting the structure right, are correspondingly higher, making careful planning genuinely more important than it might be for a smaller, shorter-term financing decision.

How This Fits Within fundivi’s Broader Product Lineup

Fundivi, a direct lender and hybrid funding platform, offers asset-based loans and SBA loans among its nine core products, both of which can play a genuine role in financing commercial real estate depending on a business’s specific situation. SBA loans in particular are often well suited to significant, longer-term investments like real estate, given their combination of favorable rates and extended repayment terms. Asset-based lending can also factor in, particularly for a business using existing property equity as collateral for a broader financing need.

Checking Your Broader Financial Standing Before Pursuing Real Estate Financing

Given the scale of a typical commercial real estate decision, a business owner benefits enormously from understanding their broader financial standing clearly before pursuing this kind of financing. Fundivi’s self-underwriting engine evaluates revenue, average daily balance, negative balance days, time in business, credit score, leverage, and open financing positions, providing a useful starting picture even though a genuine commercial real estate transaction will likely involve additional documentation and a property-specific appraisal beyond these seven factors alone.

Why Leverage Deserves Particularly Close Attention Here

Because commercial real estate financing typically involves a considerably larger dollar amount than most other business financing decisions, its effect on a business’s overall leverage picture deserves particularly careful attention. Fundivi’s published framework treats leverage above 25% of revenue as a genuine constraint on new financing, and a large real estate commitment can meaningfully affect this calculation for years into the future, making it worth modeling out honestly before committing to a specific structure and amount.

Weighing SBA Financing Against Alternative Options

A business owner exploring commercial real estate financing should genuinely weigh whether the SBA path’s typically longer timeline and more extensive documentation makes sense given their specific situation, or whether a faster alternative product might better fit a more time-sensitive opportunity. Working through the funding product matcher can help clarify which path genuinely aligns with both the urgency and scale of a specific real estate decision.

How to Think About Location and Property Type in Your Financing Decision

Beyond the financing structure itself, the specific property’s location and type can meaningfully affect both the terms available and the strategic wisdom of the purchase itself. A property in a genuinely growing commercial corridor may justify a somewhat larger financing commitment than an equivalent property in a declining or uncertain area, since the underlying real estate value itself factors into the overall risk profile of the transaction. Similarly, a property requiring significant renovation before it’s usable for its intended purpose introduces additional cost and timeline considerations that should factor into the overall financing plan from the outset, rather than being addressed only after the initial purchase financing is already finalized.

A business owner benefits from thinking through these property-specific factors alongside the financing structure itself, since the two decisions are genuinely intertwined rather than fully separable, a favorable financing structure paired with a poorly chosen property, or vice versa, can undermine the overall wisdom of the investment regardless of how well either individual piece was optimized in isolation.

Understanding the True Cost of Any Real Estate Financing Offer

Given the scale and duration typical of commercial real estate financing, understanding a specific offer’s true cost matters enormously, since even a small difference in rate compounds considerably over a longer repayment period. Fundivi’s cost calculator can help convert a specific offer’s terms into a genuinely comparable figure, supporting a well-informed decision on a commitment this significant.

Why Planning Timeline Matters Especially for Real Estate Decisions

Commercial real estate transactions typically unfold over a considerably longer planning horizon than most other business financing decisions, from initial property search through financing approval to eventual closing. This extended timeline creates genuine opportunity for advance planning that a more urgent, immediate financing need simply doesn’t allow. A business owner beginning to consider a real estate purchase benefits enormously from checking their broader qualification standing well before identifying a specific property, using that early insight to address any weak factor, whether leverage, credit score, or cash flow stability, with genuine runway before the actual transaction timeline becomes pressing.

This advance planning proves particularly valuable given how much is typically at stake in a real estate decision specifically. Unlike a smaller, shorter-term financing need where a suboptimal outcome might create modest, temporary inconvenience, a poorly structured or poorly timed real estate financing decision can affect a business’s financial position for years or even decades into the future, making the extra effort of early, careful planning genuinely worthwhile given what’s ultimately at stake.

Frequently Asked Questions

Is commercial real estate financing always structured through an SBA loan?

Not necessarily, though SBA financing is often well suited to this kind of significant, longer-term investment given its typically favorable terms.

How much of a down payment is typically required?

This varies considerably by lender, property type, and specific program, worth clarifying directly as part of exploring your specific situation.

Can I use existing business assets as collateral for real estate financing?

Depending on the specific structure, existing assets can sometimes factor into a broader financing arrangement, worth discussing directly for your situation.

How does a real estate commitment affect my ability to access other financing later?

It factors meaningfully into your overall leverage calculation, worth modeling out before committing to a specific structure and amount.

Should I check my qualification before or after finding a specific property?

Checking your broader standing early, before committing to a specific property, helps ensure your search stays realistic relative to what you can genuinely finance.

Getting Started

Fundivi can help business owners exploring commercial real estate financing check their broader qualification standing and understand which specific path genuinely fits their situation before committing to a significant, long-term investment.

The Television Was Making Her Worse, So Her Grandson Built A Different One

Key Takeaways

  • An estimated 7.2 million Americans aged 65 and older are living with Alzheimer’s, supported by roughly 12 million unpaid caregivers who provide nearly 19 billion hours of care a year, a contribution valued at close to $413 billion annually. Source: Alzheimer’s Association, 2025 Facts and Figures.
  • Ordinary television, built on plot, pace, and noise, can add to confusion and agitation for someone living with dementia, and it is often the only thing on in the room.
  • Memory Lane TV is a streaming service built specifically for that room: plot-free, multi-sensory programming designed to soothe, stimulate, redirect and reconnect, with more than 1,500 hours across 14 sensory collections and over 100 films for care partners.
  • Alzheimer’s Disease International’s World Alzheimer’s Month theme for 2026 is “The Earlier You Know, The More You Can Do: A Dementia Diagnosis Matters,” which puts the focus on what becomes available after a diagnosis rather than on the diagnosis itself.
  • The Memory Lane Foundation is raising $100,000 around a benefit evening at the Consulate General of France in New York on 15 October 2026, working to a rate of $2 to fund one family for a year.

In 2013, a documentary filmmaker in Portland, Maine noticed something about his grandmother that most families notice eventually and few know what to do about. The television was not helping her. It was making things harder.

“My grandmother Rosette had Alzheimer’s in 2013,” Alban Maino has written. “I realized something was deeply wrong when I saw how traditional TV, meant to entertain, was actually triggering her anxiety and worsening her symptoms.”

That observation is unremarkable until one sits with what it implies. Television is the default background of most care settings in America, in family homes and in residential care alike. It is what gets switched on when a care partner needs twenty minutes to make a phone call, cook a meal, or simply stop. It is among the most widely deployed respite tools in dementia care, and nobody designed it for the purpose.

Modern programming is built on plot, cuts, tension, and volume, all of which ask a viewer to hold information across time and resolve it. For a person whose short-term memory is not holding, a plot is not entertainment. It is a demand.

Maino did what a filmmaker would do. He read the research, decades of published work on sensory stimulation and memory, and then he picked up a camera and made something else. Slow footage. Gentle music. Long, uncut natural scenes. Nothing to follow and nothing to lose track of.

“The effect was immediate: she smiled, relaxed, and found peace, especially during her most difficult moments,” he has written. “That moment became the seed of Memory Lane TV.”

What Plot-Free Actually Means

Memory Lane TV is now a streaming platform available on Apple TV, Roku, Amazon Fire Stick, Chromecast, and iOS, with family plans starting at $7.99 a month. The library runs to more than 1,500 hours across 14 sensory collections, alongside a 24-hour channel and over 100 films made specifically to educate and support care partners rather than the person living with dementia.

The programming is organised around the day rather than around genre. Sunrise scenes in the morning. Mealtime films. Calmer material as the light goes and the hardest hours of the day arrive for many families. The design language the company uses is that content should soothe, stimulate, redirect and reconnect, and each of those verbs describes a different job at a different hour.

Precision matters here about what this is and is not. Memory Lane TV is a non-pharmaceutical tool designed to sit alongside a care plan, grounded in more than five decades of neuroscience and sensory-stimulation research. It is not a treatment; it does not replace medication, and the company does not present it as either. The design brief is narrower than a clinical claim. It describes content a care partner can put on during the hours when the alternative is ordinary television, and nothing else.

The material was developed and refined in residential care settings across Europe and New England, which is a different design process from building for a consumer app store and then hoping care homes adopt it. In July 2026, the company announced an exclusive North American distribution partnership with Eugeria, the Quebec-based specialist retailer for people living with cognitive decline.

Why September Is The Wrong Month To Talk About Diagnosis Alone

World Alzheimer’s Day falls on 21 September, inside World Alzheimer’s Month. Alzheimer’s Disease International has set the 2026 theme as “The Earlier You Know, The More You Can Do: A Dementia Diagnosis Matters,” a campaign built around the stigma that still surrounds diagnosis and the argument that knowing earlier opens more doors.

The second half of that sentence is the part that tends to get less attention. “The more you can do” is only true if there is something to do. For a family that receives a diagnosis in September, the practical question by October is not clinical. It is what happens at four in the afternoon when agitation rises, what happens at two in the morning, and what a care partner is supposed to do for the twenty minutes they need to be a person rather than a carer.

That is the gap the platform was built for, and it is also the gap the numbers describe. The Alzheimer’s Association’s 2025 Facts and Figures estimates 7.2 million Americans aged 65 and older living with Alzheimer’s, supported by roughly 12 million unpaid caregivers providing nearly 19 billion hours of care each year, with a national cost close to $412 billion annually. The overwhelming majority of that care is delivered at home, unpaid, by a family member who was given a diagnosis and very little else.

In August 2026, Memory Lane TV executed a contract with the New York State Office for the Aging, with a statewide programme rollout beginning in October. It is a signed programme partnership rather than a pilot or a feature, and it changes what access looks like in one of the largest states in the country. New York becomes the first state where a family living with dementia does not have to pay for the comfort the platform provides.

The Evening At The Consulate

The philanthropic arm, the Memory Lane Foundation, exists to make the platform free for families who cannot pay for it, and it is fiscally sponsored by the Social Impact Fund, a 501(c)(3).

Its anchor event this autumn is Souvenir, a Proustian benefit evening on 15 October 2026 at the Consulate General of France in New York. The theme is not decoration. Marcel Proust built one of the most famous works in French literature on the proposition that a taste, a smell, or a sound can return a memory that thought alone cannot reach, which is the same proposition, arrived at from the other direction, that sits underneath sensory programming for people living with dementia. Maino is a Franco-American filmmaker and serves as Honorary Consul of France in Maine, so the venue is a natural one rather than a borrowed prestige.

The evening carries a public goal of $100,000. The Foundation’s wider national ambition is $1 million to make access permanent across the country. The economics behind those numbers are unusually simple: the Foundation works at a rate of $2 to fund one family for a year. Gifts are tax-deductible and directed to programme delivery, with the fiscal sponsor’s administrative fee and payment-processing costs disclosed.

Maino was named a Memory Care Innovation Award winner by Behavioral Health Business in 2024, and in 2025 was a laureate of the Trophée Social Humanitaire at the Trophées des Français des États-Unis, a humanitarian and social-innovation honour. He is also a 2025 HITLAB Launchpad finalist.

The Part That Is Easy To Miss

There is a version of this story that is about a product, and it is the less interesting version. The more interesting one is about a category error that ran unexamined for decades.

Every other group of viewers in the world has media made for them. Children have programming designed around their attention spans. So do people learning a language, people exercising, people trying to sleep. People living with dementia, a group numbering in the millions in the United States alone, have been handed the same television as everyone else and then described as agitated when it does not work.

Following a plot is not the only way to find meaning. That line sits on the platform’s own site, and it is the whole argument in seven words.

More information about the October benefit and the campaign behind it is available from the Memory Lane Foundation.

Frequently Asked Questions

What Is Memory Lane TV?

A streaming platform built specifically for people living with Alzheimer’s, dementia, and related cognitive conditions, and for their care partners. The programming is plot-free and multi-sensory, designed to soothe, stimulate, redirect, and reconnect rather than to entertain conventionally. It is available on Apple TV, Roku, Amazon Fire Stick, Chromecast, and iOS, with family plans from $7.99 a month.

Is It A Medical Treatment?

No. It is a non-pharmaceutical tool intended to complement a care plan. It is not a treatment or a cure, and it does not replace medication or medical advice.

Why Does Regular Television Cause Problems For Someone Living With Dementia?

Conventional programming relies on plot, rapid cuts, tension, and volume, all of which require a viewer to carry information forward and resolve it. For a person whose short-term memory is affected, that can add to confusion and agitation rather than provide rest.

When Is World Alzheimer’s Day 2026, And What Is The Theme?

World Alzheimer’s Day falls on 21 September, within World Alzheimer’s Month. Alzheimer’s Disease International’s 2026 theme is “The Earlier You Know, The More You Can Do: A Dementia Diagnosis Matters.”

How Many Americans Are Living With Alzheimer’s?

An estimated 7.2 million Americans aged 65 and older, supported by roughly 12 million unpaid caregivers providing nearly 19 billion hours of care annually, a contribution valued at close to $413 billion, according to the Alzheimer’s Association’s 2025 Facts and Figures.

What Is The Souvenir Benefit Evening?

A Proustian benefit evening hosted by the Memory Lane Foundation on 15 October 2026 at the Consulate General of France in New York, carrying a public fundraising goal of $100,000 toward making the platform free for families living with dementia.

Disclaimer: This article is for general informational and educational purposes only and does not constitute medical advice. The information provided should not replace consultation with a qualified healthcare professional.

Thomas Ellenson Has Something to Say, and Douglas J. Cohen Is Helping Him Sing It

By Jim Manley

Thomas Ellenson has a line about performing that is funny enough to get a laugh and revealing enough to explain why he makes theater.

“When I’m on stage,” he likes to say, “it’s the only time that people stare at me for the right reasons.”

Ellenson, an actor, writer and director with cerebral palsy who uses a power wheelchair and communicates through an iPad, has spent much of his career transforming that gaze. In his newest work, Thomas & Me, arriving at the Frank Shiner Theater for a limited engagement September 24–28 (ticket link), he turns it toward something almost aggressively ordinary: a young man nearing 30, wondering about love, adulthood and whether he is ready to ask his girlfriend to marry him.

“Dating in NYC is so stressful, and when you have a disability, it’s on another level,” he said. “But I try to look at the challenges I have sort of in the same way everyone else has them. I mean, dating in NYC just isn’t easy for anyone.”

That balance, acknowledging disability without allowing it to swallow the rest of a person’s identity, sits at the heart of Thomas & Me. The play follows Ellenson’s character as he prepares for a proposal and decides that before he can commit to someone else, he needs to understand more about himself.

“Imagine that the first thing everyone thinks about you is, you’re different,” he said. “But of course, the first thing I think about myself is, I’m me!”

“I want people to see me as someone wrestling with the same things they do.”

Thomas & Me began as a solo work, winning Best Production at the 2025 United Solo Festival. But Ellenson, an avowed musical-theater devotee, wanted more: more actors, more theatrical possibilities and music.

So he approached Drama Desk-nominated composer and lyricist Douglas J. Cohen. The resulting piece became a full-length play with music, featuring Mairéad O’Neill and Tyler Austin White alongside Ellenson and co-directed by Stephen Santa.

The song “I Am Not a Morning Person” grew from a short description Ellenson sent by text. Then Cohen encountered a line in the script that revealed its comic voice: “I don’t love you for your coffee, and that’s a good thing. Because I hate your coffee.”

“I knew I had to find a rhythm and musical vocabulary that captured these quirky, endearing characters,” Cohen said.

But writing songs for Thomas & Me also meant learning how music could coexist with the technology Ellenson uses to speak.

Ellenson programs his dialogue into Talk Suite on his iPad with precision. A sentence might sit on one button or be divided between two, allowing space for gesture. A comma creates a short pause; a period a longer one. He revises until the timing feels emotionally right.

“My iPad is my tool,” Ellenson said, “but my body is my instrument.”

Photo Courtesy: Douglas J. Cohen and Thomas Ellenson

Synthesized speech has limits of pitch and vocal modulation, but Ellenson treats silence, expression, physicality and timing as part of the performance. Cohen adapted in turn.

“I learned to let certain sections of songs ‘breathe,’” he said, creating openings where Ellenson can inject humor, confessions and observations through his iPad. Some numbers are largely sung by Michelle, Thomas’s girlfriend, played by O’Neill, allowing music to explore care, commitment and intimacy.

The collaboration also presented a subtler challenge: how to let emotion arrive without turning Ellenson’s life into a lesson.

“There’s a difference between pathos and bathos,” Cohen said. “You don’t want to hit emotions squarely on the head or it will seem manipulative.”

The answer, he found, was to trust Ellenson’s humor.

“One of the things that I find remarkable about the show is it could easily lean into sentimentality,” Cohen said. “But Thomas is such a joyous person and wants to entertain his audience. So when emotion does occur, I believe it catches the audience off guard.”

After a workshop featuring only three songs, Ellenson rewrote a major section near the play’s conclusion. When he asked Cohen to write a song for it, Cohen preserved as much dialogue as possible, creating what he calls a “seamless marriage between speech and song.”

For Ellenson, the production has also meant learning to work within a larger creative team. “It sure took some getting used to,” he said. But he calls Cohen’s contribution transformational and credits Santa with helping him translate his ideas onstage.

The New York engagement also carries a milestone: according to the production, Ellenson will become the first performer using a speech-generating device to write and perform in a full-length New York play. Yet Ellenson seems happiest when that distinction is not the endpoint.

“This was my first attempt at a play with music,” he said. “My next step is to make a musical.”

And if audiences leave Thomas & Me talking, Ellenson knows what he hopes they take with them.

“Life is hard,” he said, “but it’s the only thing we have. So just live your best life and always remember to appreciate that you’ve been given it.”

Then, with the instinct of someone who knows exactly when sincerity has occupied the stage long enough, he added one final request.

As for what he hopes audiences are not talking about?

“I hope it doesn’t happen that one of my shoes gets untied.”

For Ellenson and his collaborators, the five-performance New York engagement is less an endpoint than a beginning, a chance to put Thomas & Me before audiences in its expanded form and discover what might come next. For a show about a man deciding whether he is ready to take the next step in his life, the production itself now seems poised to do the same.

Has Medicine Lost Its Soul? Here is a View by Dr. Sherman A. Katz

If you get a chance to walk into almost any hospital today, you will notice the dominance of glowing screens and high-tech tiers at a quick glance. You will see doctors standing at mobile workstations furiously typing into electronic charts, while the nurses glance at buzzing digital monitors. There is no doubt that the care is fast, precise, and technologically advanced beyond what previous generations could have imagined…But does it really have a benefit?

Dr. Sherman A. Katz is here to argue on this subject with his memoir, A Chance to Cut is a Chance to Cure: A Surgical Swan Song. By reflecting on a career spent as a vascular surgeon, a specialty where a fraction of a millimeter can mean the difference between saving a limb and losing a life, and having served humanity and experienced the highs and lows of medicine, his book offers a grounded reality check for us to see the real difference. It offers a personal look at what it used to mean to practice medicine and why the human connection between doctor and patient is currently under threat…by the increasing use of AI and technology…to say the least.

Katz did not come from a family of privilege or medical royalty. Growing up in a working-class neighborhood, his childhood was defined by obsessive curiosity about how the physical world worked. He spent his free time tinkering with home chemistry sets and peering through a cheap microscope. He was captivated by a hidden world he could barely see and saw science as a sense of wonder.

But there came a moment that changed his understanding of science from inside his own home. When his Polish grandmother underwent a surgical procedure that went wrong, leaving her with permanent facial paralysis, Katz’s grandmother took a very different path. She harbored zero legal resentment or hostility toward her doctors and instead chose to carry her condition with quiet grace and dignity.

“You don’t sue doctors,” his Polish immigrant grandmother said, recalling how one of those doctors accidentally severed her facial nerve during a mastoid surgery, leaving her with a permanently paralyzed left side of her face at just 28. Yet, the unchecked greed they spoke of has undoubtedly been overshadowed by even more oppressive forces that wanted to regulate the medical profession and supposedly curb their greed.

Watching her handle that setback taught the young Katz a lesson that patients are not just biological cases or clinical outcomes. They are vulnerable human beings placing complete trust in another person’s hands, which needs no compromise…ever. That early realization gave him a moral compass that stayed with him throughout his entire career.

Nothing about Katz’s entry into the medical field was handed to him on a silver platter, as you can guess. From putting in his every effort and penny to learning and getting the knowledge and education to earn himself an opportunity to work in medicine, he had to work constantly. By day, he managed a local Baskin-Robbins ice cream shop, and by night, he worked as an orderly in hospital operating rooms, which turned out to be an unexpected education in human nature.

As an orderly, Katz was not making surgical incisions; he was mopping floors, clearing trash, and wheeling nervous patients down cold corridors. He saw healthcare from the bottom up and noticed the raw fear in a patient’s eyes right before they went under anesthesia, and he saw how much a simple, kind word from an orderly or a nurse could calm a racing pulse. By the time he actually got to medical school, he already understood that the operating room was an ecosystem built entirely around keeping a vulnerable person safe.

When Katz entered the Ohio State University College of Medicine during the Vietnam War era, medical education looked vastly different from what it does today. For example, there were no high-resolution MRI scans available, and doctors had to rely heavily on physical diagnosis. They often listened carefully to a heart through a stethoscope, felt an abdomen for subtle tightness, and paid close attention to a patient’s own words.

Katz recalls attending famous surgical grand rounds led by legendary figures like Dr. Robert Zollinger, who was known for his sharp intellect, fierce demeanor, and zero tolerance for sloppy thinking. Standing up in front of an auditorium full of peers to present a patient case under Zollinger’s gaze was a trial by fire. But that atmosphere built absolute accountability. It taught Katz that when you accept responsibility for a human life, close enough is never good enough.

Inside the High-Stakes World of Vascular Surgery

After medical school, Katz matched at Case Western Reserve University for his surgical residency. He eventually specialized in vascular surgery. Vascular work is uniquely unforgiving, as a surgeon works with fragile, blood-filled vessels. He had to stitch them together with thread thinner than a strand of human hair and be very proactive and cautious in his actions and choices. If a suture leaks or a vessel closes, the consequences are immediate and could lead to possible demise.

The surgery demands intense focus, sharp instinct, and often a healthy dose of gallows humor, which had a psychological valve for people who spent their days making high-stakes decisions under intense pressure. Katz describes the tight-knit camaraderie formed among surgical teams

who spent grueling hours together, bound by a shared sense of duty to the person lying under the drapes. Over the course of his decades on the front lines, Katz watched surgery undergo a massive technological shift. He saw how the traditional open operations gave way to laparoscopic procedures, tiny stents inserted through blood vessels, and robotic instruments controlled from a console.

Katz does not dismiss these tools. He readily acknowledges that modern techniques have saved lives, reduced pain, and shortened hospital stays dramatically. But he also witnessed the unintended cost of this rapid evolution. For instance, as technology advanced, the physical distance between doctor and patient began to grow, and insurance companies, corporate hospital groups, and regulatory bodies began asserting tight control over daily medical practice. As a result, physicians were gradually pushed into the role of “worker bees.” They were forced to meet productivity targets, fill out endless administrative checklists, and keep up with tight scheduling metrics.

Doctors found themselves glued to computer keyboards instead of sitting at the bedside of a patient, listening to his or her fears and answering his or her questions. They began to reduce living, breathing patients to standardized line items on a computer screen, just for the sake of meeting targets and getting the job done.

Rediscovering the Heart of Healthcare

Dr. Sherman Katz’s memoir is here to change this aspect. By reflecting on his life and jotting down his experience of working as a vascular surgeon, he beautifully recounts his life and helps us realize the meaning behind the medicine. He shows us that no matter how advanced our machines become, medicine is fundamentally a human interaction and needs humans and emotions to work well and, in contrast, for the betterment of the patients. A robotic arm can execute a precise maneuver and a computer program can analyze diagnostic data, but neither can offer the genuine empathy that patients need to relax and find comfort, even in the emergency room. Therefore, it asks that medical professionals listen to a patient’s quiet anxieties or offer a reassuring hand in a terrifying moment.

A must-read for aspiring physicians, healthcare professionals, and anyone who values the art of medicine, A Chance to Cut is a Chance to Cure is a call to preserve compassion in modern healthcare, teaching medical professionals to always put patients first…

Head to Amazon to purchase your copy: https://www.amazon.com/dp/1968615334

Sherman A. Katz MD FACS

Dr. Sherman A. Katz, MD, FACS, is a vascular surgeon celebrating his fiftieth year in surgery and is now partially retired. He has experienced many changes in the practice of surgery in his fifty years, going from doing operations that had not changed for 100 years to the new technologies of surgery involving lasers, instruments with electronic chips, and remote presence with robots.

Book Details:

Book Name: A Chance to Cut Is a Chance to Cure: A Surgical Swan Song

Author Name: Dr. Sherman A. Katz, MD, FACS

ISBN Number: 978-1968615338

Ebook Version: Click Here

Hardcover Version: Click Here

Paperback Version: Click Here

How Travel Creators Are Documenting China Beyond Its Major Cities

Four international creators reaching millions across social media are using cinematic storytelling, lifestyle content and FPV filmmaking to introduce global audiences to a lesser-seen side of Zhejiang.

In an era shaped by algorithmic recommendations and an endless stream of travel content, destination marketing faces a growing challenge: getting people to stop scrolling.

The postcard-perfect imagery that once defined tourism advertising now competes with a virtually limitless supply of destinations, creators and experiences. For younger travelers in particular, discovery increasingly happens through people they already follow , filmmakers, photographers and social media personalities whose work can make an unfamiliar destination feel immediate, personal and worth exploring.

That shift is at the center of an international cultural exchange initiative unfolding across Zhejiang, one of China’s most economically dynamic and geographically diverse provinces.

Photo Courtesy: John Maggi

Through the “Discover China Through Zhejiang” International Cultural Exchange Program, four international creators , lifestyle and social media personality John Maggi (@realjohnmaggi), filmmaker Harish Kumar (@childishharish), cinematic travel creator Nolan (@nolanontherun) and FPV filmmaker Parker Sheppard (@pshepfpv) , traveled across three distinct regions of Zhejiang, translating their experiences into visual stories for audiences across Instagram, TikTok and YouTube.

But the strategy was not simply about follower counts.

The campaign wasn’t built around four interchangeable influencers. It was built around four different visual languages.

Each creator approached Zhejiang through a storytelling style that reflected their existing work. Rather than presenting the province through a single tourism narrative, their journeys allowed different aspects of the destination to emerge naturally through lifestyle discovery, cinematic filmmaking, cultural encounters, outdoor exploration and high-speed FPV cinematography.

Photo Courtesy: John Maggi

That distinction matters in an increasingly crowded digital travel landscape. Audiences have become accustomed to polished promotional campaigns, but creator-led storytelling can offer something different: a sense of personal discovery.

For viewers, the experience is not necessarily framed as an advertisement for a destination. Instead, they are invited to see a place through the eyes of someone whose work they already recognize and trust.

Zhejiang provides a particularly broad canvas for that approach. Beyond the image of China often associated with major urban centers, the province combines historic communities, natural landscapes, contemporary culture, distinctive architecture and rapidly changing urban environments.

These contrasts create opportunities for different forms of visual storytelling. A filmmaker can focus on atmosphere and composition, while a lifestyle creator can highlight everyday experiences and local encounters. An FPV filmmaker can transform landscapes and architecture into fast-moving visual sequences that would be difficult to communicate through conventional tourism photography.

The result is a collection of perspectives rather than a single interpretation of Zhejiang.

For international audiences, that variety can also challenge familiar assumptions about travel in China. Instead of concentrating exclusively on well-known megacities and landmark attractions, creator-led journeys can draw attention to places, communities and experiences that may not appear on a typical first-time travel itinerary.

There is also a broader cultural dimension to the project. Social platforms have become important spaces for informal cultural exchange, allowing audiences to encounter unfamiliar countries through food, landscapes, people, architecture and daily life. The creators become storytellers as much as travelers, documenting moments that can spark curiosity far beyond the locations where they were filmed.

For destination marketers, the lesson may extend beyond Zhejiang. As travelers increasingly use social media to research and imagine future trips, the most effective travel storytelling may not always come from traditional advertising. It may come from creators who can transform a destination into a story that feels authentic to the audience watching it.

The “Discover China Through Zhejiang” program illustrates that shift in practice. By bringing together creators with different audiences and distinct creative approaches, the initiative presents Zhejiang not as a single destination with one identity, but as a collection of places and experiences that can be interpreted in many ways.

In a world where attention is increasingly difficult to capture, that may be the emerging language of global travel: not simply showing people where to go, but giving them a reason to become curious.

Why the ‘Gizmo Goes’ Children’s Book Series Belongs on Every Child’s Bookshelf

When Heidi Heisel rescued Gizmo from a lethal accident on the highway, little did she know that this adorable dog would be changing her life forever. Gizmo is an adorable little pet dog who becomes Heidi’s travel companion as she travels the world. And to share her amazing travel diaries with us all, Heidi is here to present her travel series featuring Gizmo, with the Gizmo Goes children’s book series.

The books are written in catchy, flowing rhyme. These books are brought to life through a beautiful blend of whimsical illustrations and real-world photography. Each of the books in the series is unique and features new places and adventures that capture the unpredictable beauty of the world around us.

So, read these books and join Gizmo and Heidi as they explore the rolling green hills of Ireland, navigate the strict lockdowns of a global pandemic, learn the rules of America’s favourite pastime, and head on a quest to find Gizmo a perfect tail. Did you know that Gizmo does not have a tail? In one of his most meaningful adventures, he travels to Yellowstone hoping to find the perfect tail for himself, and with help from deer, buffalo, antelope, wolves, birds, bunnies, and even a scary grizzly bear, Gizmo discovers the importance of self-acceptance. But the greatest surprise comes when he realizes that the grizzly bear doesn’t have a tail either, showing young readers that our differences are often what make us special.

As a professional photographer, Heidi’s work required her to travel constantly. But instead of leaving her newly rescued best friend behind, Gizmo became her permanent co-pilot. As you read these books, you will see that Gizmo has flown across oceans, explored massive public lands, and stayed in busy cities, which capture the innocent, enthusiastic, and often deeply funny inner voice of a canine traveler.

A Quick Tour of Gizmo’s Travel Logs

The beauty of this series is its sheer variety, as Gizmo doesn’t just stick to his home state of Texas; his passport is seriously impressive.

Turning Lockdowns into Landmarks

In Gizmo Goes on a Road Trip, the story starts in a place our kids remember all too well: the restlessness of being stuck at home. During the 2020 lockdowns, Gizmo is cooped up inside, growing bored and visibly worried about putting on extra weight because he can’t run and play like usual. As the second restrictions ease, he packs his bags for a massive, 17-day, 6,192- mile highway adventure across six states. From the steaming geysers of Yellowstone to majestic mountain passes, the book transforms a stressful period of isolation into a sweeping love letter to the great outdoors.

Crossing the Atlantic

In Gizmo Goes to Ireland, Gizmo’s journey is sparked by a funny moment: he sees a four-leaf clover on a cereal box and decides he needs to find a real one to boost his luck! This story stands out because it focuses so heavily on the joy of hospitality and hospitality workers. Based on a real trip Heidi took with Gizmo and her mother in 2019, the book introduces kids to an amazing bus driver and a local chef who treat the furry traveler like a king, highlighting how the people you meet are often the best part of any destination.

Conquering Classroom Nerves

In Gizmo Goes to Germany, the series tackles a major childhood milestone: school anxiety and accountability. Gizmo is attending Service Dog School but is struggling hard with staying focused and showing up on time. His strict German Shepherd instructor, Fritz, gives him one final chance to pass his exams, but it involves a trip to Germany! There, young readers are treated to rich historical castles, local holiday traditions, and the folklore of the Brothers Grimm, all while Gizmo learns the value of discipline and self-control.

If you ask a seven-year-old why they love these books, they will tell you it’s because Gizmo is funny, gets into silly situations, and speaks in fun rhymes. However, ask a parent or educator, and they’ll likely mention “stealth” learning, since these books skillfully incorporate real-world data and history into the text without seeming like a dry textbook.

For example, during his road trip, Gizmo visits five National Parks in six different states, and he sees lots of animals and learns some funny and interesting history along the way. He learns about the “crazy” discovery of Yellowstone, the melting glaciers in Montana, Bigfoot, Lewis and Clark, and their very brave guide dog named Seaman. Gizmo wants to be brave like Seaman, but when it’s time to face his own fears, Gizmo doesn’t feel very brave at all. As parents and educators read aloud this book to them, they can share the story of how Gizmo overcomes his fear and make his road trip more fun.

And when Gizmo climbs high into the mountain regions, he experiences genuine fear of the heights. By following Gizmo as he travels and hops into different adventures and situations, finding his courage and pushing through them, children can learn more about emotional resilience, stepping outside their comfort zones, and handling their everyday anxieties.

A Must-Have for the Modern Bookshelf

When children are experiencing more screen time and an unrealistic schedule filled with tablets, screens, and fast-paced digital media, the Gizmo Goes series can help them divert from such a routine. Through engaging narrative, illustrations, real-life photos, and so much more, these books encourage curiosity, natural beauty, and the profound, unbreakable bond between humans and animals.

The illustrations are created by River Wilson, Heidi’s grandson, who began illustrating the series when he was only ten years old. River has continued developing his artistic talent throughout the years and is now graduating from college. His long connection with Gizmo

allows him to capture the dog’s personality, humor, curiosity, and adventurous spirit in every illustration.

Whether you are trying to get a reluctant child excited about a family trip, wanting to introduce them to global cultures, or simply looking for a sweet, meaningful bedtime story about an incredibly lucky rescue dog, this series checks every single box.

To explore the full collection of titles, check out real photos from their travels, or grab your own print or eBook copies, visit the official hub at GizmoGoes.com or find them on Amazon.

Frequently Asked Questions (FAQs)

What is the recommended reading level for the Gizmo Goes books?

The series is tailored for children aged 3 to 9. The lyrical, rhyming rhythm makes them exceptional read-aloud books for toddlers and preschoolers. The clear text layout and vocabulary are excellent for early elementary students (grades K-3) who are starting to read independently.

Are the facts and historical tidbits in the books accurate?

Absolutely. Even though the story is told from a dog’s perspective, all the historical context, geographical routes, and cultural references are real and authentic, taken from Gizmo and Heidi’s travels and adventures. Be it Lewis and Clark or regional European landmarks, all of these stories and locations are thoroughly researched and entirely accurate.

How many books are currently in the series?

The series features several unique adventures, including Gizmo Goes on a Road Trip, Gizmo Goes to Ireland, Gizmo Goes to Germany, Gizmo Goes to a Baseball Game, and Gizmo Goes on the Christmas Express. Each book covers a completely different theme and location for children to read and experience.

Where can I purchase copies of these books?

You can find the entire catalog available in both print and eBook formats on Amazon. On the other hand, you can visit their official home website at GizmoGoes.com for direct links, updates, and more behind-the-scenes travel photos, and more.

How Buyers Are Navigating the Maplewood and South Orange Housing Markets

In Maplewood, NJ, and South Orange, NJ, a well-priced listing is still likely to pull in multiple offers this summer, even though buyer traffic has slowed from its spring peak. Mark Slade Homes has been tracking these two markets closely for years, and the team says the difference between winning an offer and losing one usually comes down to a handful of specifics that buyers overlook.

Mark Slade, who works these towns weekly and meets buyers at open houses whether they are his clients or not, says the same patterns show up again and again. Here is what is actually separating winning offers from the rest right now.

Know What You’re Really Willing to Pay

Slade tells buyers to be honest with themselves about how much they actually love a house before they write an offer. He compares it to ordering ice cream from a well-known chain that offers mix-ins: there is a size for “I like it,” a bigger size for “I love it,” and the largest for “I’ve got to have it.” If a buyer tells him a house is a must-have, his advice will support going as high as they can comfortably afford. If they say they just like it, he backs off the aggressive advice, because there is no point overpaying for something they are lukewarm on.

The mistake he sees most often is buyers who say a house is their must-have property, then write an offer that reflects only mild interest. In this market, that combination rarely wins. Slade says it often takes a buyer three losses before they connect their offer strategy to how much they actually want the house.

Ask How Many Offers You’re Really Up Against

Before advising a buyer on price, Slade tries to find out how many offers a seller already has in hand. He is not able to hold a listing agent to strict accuracy on this, but the answer still tells him a lot about how much competition his buyer is facing. He describes his role as a quarterback who calls an audible “in the pocket” when the situation on the ground changes, adjusting the offer strategy based on the most current information rather than a fixed number decided in advance.

Right now, a typical well-priced listing in Maplewood or South Orange is drawing anywhere from three to ten offers. That is down from seven to twenty offers during the first and second quarters of this year, since the second half of the year historically brings fewer buyers into the market.

Understand Your Lender’s Appraisal Waiver Options and Hidden Benefit

One of the most overlooked tools buyers have right now is whether their lender offers an appraisal waiver program. Slade says most buyers he talks to are pre-approved, but very few know whether their lender can protect them if a home appraises below their offer. This single question can change how confidently a buyer competes in a bidding situation. It is a big enough topic that deserves its own explanation, but buyers should at minimum ask their lender about it before writing an offer in any town.

There is also a less obvious benefit to working with a lender that offers one. The lender can tell a buyer how high they are able to go on an offer without the appraisal becoming a concern. That gives the buyer one more professional read on what the property might be worth, which is useful context when deciding where to land on price.

The Numbers Behind Maplewood and South Orange Offers

The two towns perform almost identically this year, with the real difference in outcome coming down to the specific house rather than the town. As of the week ending August 23, Maplewood’s average sale price sits at $1,304,556, with homes going for 16.4 percent over asking and averaging just 13.6 days on the market. South Orange is close behind at $1,230,401 and 15.8 percent over asking, with homes moving in about 14.9 days. Both towns have each seen a sale of more than $3 million this year.

Slade’s team has now closed transactions in 54 different New Jersey municipalities, which gives them a wide view of how buyer competition looks across very different markets, not just in Maplewood and South Orange.

Buyers who want more detail on positioning a competitive offer can find additional guidance on the Buyer Resources page.

Mark Slade and MaryCeu Nunes lead a top-producing Keller Williams real estate team serving Maplewood, South Orange, and surrounding Essex and Union County communities, with lifetime closed transactions spanning 54 New Jersey municipalities.

Disclaimer: This article is based on information provided by the expert source cited above. It is intended for general informational purposes only and does not constitute legal, financial, or real estate advice. Readers should conduct their own research and consult qualified professionals before making any real estate or financial decisions.

RAPTIC Unveils Aramid Gold Shell, Premium Protective Cases for iPhone 18 Pro / Pro Max and iPhone Duo

By: Jack Lee

Veteran US mobile-protection brand debuts 24K gold-plated craftsmanship, foldable-screen expertise and Multi-Ap 5.0 drop-proof technology on iPhone launch day

California, USA, September 9, 2026. RAPTIC, a Los Angeles-founded advanced-material protection brand with a 16-year heritage in premium mobile accessories, is rolling out its Aramid Gold Shell lineup to match Apple’s new iPhone 18 and iPhone Duo. The collection combines gold-plated craftsmanship, proprietary Gold-Yarn™ aramid-weave technology, and advanced folding-hinge protection. It has drawn attention across Middle East retail shows and among global social creator communities.

A Los Angeles Brand With a Global Footprint

Founded in Los Angeles, California, in 2010, RAPTIC is a veteran mobile-protection specialist. Over 16 years, the brand has built a global footprint across more than 30 countries, with over 23,000 retail touchpoints worldwide and long-standing partnerships with major retail chains, including Walmart and Best Buy. Its products are sold within the Apple accessory retail ecosystem. RAPTIC developed its Multi-Ap structured drop-protection technology and has continued to refine aramid-fiber protective solutions across successive iPhone generations.

Inside the Aramid Gold Shell Series

The Aramid Gold Shell series brings together several of the brand’s proprietary innovations in one materially advanced phone-case portfolio:

24K gold-plated craftsmanship: phone-case construction that incorporates real-gold elements.

Gold-Yarn™ aramid weaving: strong protection with a slim, refined hand-feel.

EasySnap™ gilded camera bezel: lens protection paired with a premium finish.

Luxury vegan-leather magnetic hinge protection: designed specifically for foldable devices.

NFC chip anti-counterfeit authentication: one chip per device for traceability and authenticity verification.

Five-generation sustainable eco-packaging: part of the brand’s sustainability commitment.

Multi-Ap 5.0 drop-proof technology: enhanced impact resistance.

Built for Foldable Devices

As a specialist in premium foldable-device protection, RAPTIC builds a self-rebounding, hinge-preserving architecture into the Gold-Shell Skin-Pro variant. The magnet-aligned vegan-leather hinge cover fits the foldable chassis closely, helping reduce hinge wear while keeping a slim profile. The design targets premium foldable smartphones, including the iPhone Duo and Samsung Galaxy Z Fold series.

Photo Courtesy: Jack Lee

The Gold-Shell collection has drawn interest overseas. Footage from Middle East trade exhibitions and social-media creator reviews shows consumer interest, with regional creators showcasing the blended aramid-and-gold texture across social platforms. Built on aramid-fiber material research, RAPTIC aims to balance strong real-world protection, a thin profile, and an upscale look for high-end smartphone users.

“Apple’s new iPhone hardware raises the bar for mobile experience, and users deserve matching protection that blends engineering excellence with refined style,” said a RAPTIC brand spokesperson. “Our Aramid Gold-Shell series merges 16-year material-protection expertise, real-world drop-proof performance, foldable-hinge engineering, and thoughtful sustainable design. We aim to deliver not merely phone protection, but a premium tech-lifestyle statement for discerning global consumers.”

The RAPTIC Aramid Gold-Shell lineup covers the iPhone 18 Pro, iPhone 18 Pro Max, and iPhone Duo. Its tiers (Skin, New Dual, Dual Ultra and Skin-Pro) offer different combinations of thin-profile comfort, full-body cushioning and foldable-hinge care. The collection debuts on Amazon and the brand’s official website, and will roll out across RAPTIC’s global partner retail locations thereafter.

NYC Free Lead Pipe Replacement Program Saves 900 Bronx and Queens Homeowners More Than $10,000 Each

New York City’s free lead service line replacement program has already saved more than 900 homeowners in the Bronx and Queens upward of $10,000 each in out-of-pocket costs, Mayor Zohran Mamdani and Governor Kathy Hochul announced on September 9, 2026. The program, operated by the NYC Department of Environmental Protection, replaces privately owned lead and galvanized steel water lines with copper pipes at no cost to eligible property owners, backed by $96 million in combined state and federal funding.

Key Takeaways

  • More than 900 homeowners in the Bronx and Queens have received free lead service line replacements, each saving upward of $10,000 in costs they would have otherwise paid out of pocket.
  • The program is funded by $96 million in state and federal dollars, including a recently awarded $14 million New York State grant and $10 million from the federal government.
  • NYC DEP expects to remove up to 7,000 lead service lines from private properties in low-income and environmental justice neighborhoods.
  • Replacement work will expand to Soundview in the Bronx and Borough Park in Brooklyn beginning in 2027.
  • Approximately 121,100 known lead or galvanized service lines remain across the five boroughs.

Completed Replacements Span Six Bronx Neighborhoods and Parts of Queens

The Department of Environmental Protection has already finished lead-to-copper replacements in Mount Eden, Fordham Heights, University Heights, Kingsbridge Heights, Belmont, and Mount Hope in the Bronx, along with parts of Flushing in Queens. These neighborhoods were prioritized because they sit within environmental justice communities that carry disproportionate exposure to pollution and the long-term effects of aging infrastructure. The program specifically targets areas where the median household income falls below $47,600 and where concentrations of lead service lines are highest.

The current phase builds on a pilot program that DEP completed in 2022, during which approximately 600 privately owned lead service lines were replaced across the Bronx, Brooklyn, Queens, and Staten Island at no cost to property owners. That pilot informed the design and outreach strategy of the expanded initiative, which now operates on a significantly larger scale with a goal of reaching up to 7,000 properties.

$96 Million in State and Federal Funding Underwrites the Expansion

The financial backing for the program comes from a combination of sources rooted in the federal Bipartisan Infrastructure Law and New York State loan forgiveness allocations. The most recent additions include a $14 million grant from the State and $10 million from the federal government, bringing total program funding to $96 million. Governor Hochul has positioned the investment as part of a broader $10.6 billion commitment to water infrastructure projects statewide since taking office.

The lead pipe initiative is one of several infrastructure programs targeting outer-borough neighborhoods that have historically absorbed the consequences of deferred maintenance. Queens, in particular, has become a focal point for environmental upgrades, with the city and state recently committing $8.4 million to transform concrete roadway medians into flood-absorbing green infrastructure in Whitestone, Forest Hills, and Queens Village.

For homeowners, the financial relief is substantial. Water service lines connect individual homes to the city’s water mains, and these lines are privately owned, meaning property owners are normally responsible for maintaining and replacing them. That replacement typically costs upward of $10,000 per property, a burden that falls hardest on homeowners in neighborhoods where incomes are already stretched. Under the DEP program, eligible property owners receive a letter directly from the department with instructions on how to enroll, and the entire replacement is handled at no charge.

NYC’s Drinking Water Arrives Lead-Free, but Private Lines Remain a Risk

New York City’s municipal water supply is delivered lead-free from upstate reservoirs and meets or exceeds all federal and state health standards. The risk enters the picture at the point where aging private service lines connect homes to the city’s water mains. Lead and galvanized steel pipes, many of them decades old, can leach contaminants into household water, particularly in properties that have not undergone modern plumbing upgrades. DEP Commissioner Lisa Garcia has described the replacement effort as a public health priority, noting that even small amounts of lead exposure can cause irreversible harm to young children and to people who are pregnant or may become pregnant.

The scale of the remaining challenge is significant. DEP estimates that approximately 121,100 known lead or galvanized service lines still exist across the five boroughs. While the current program addresses a fraction of that total, the city has signaled that continued federal and state investment will be needed to reach full replacement over time.

Next Phase Targets Soundview and Borough Park in 2027

Replacement work is expected to expand to Soundview in the Bronx and Borough Park in Brooklyn beginning in 2027, broadening the program’s geographic reach into new communities with high concentrations of lead infrastructure. The expansion reflects the city’s approach of rolling out the program in phases, prioritizing areas based on environmental data, income thresholds, and the density of lead service lines. Property owners in upcoming zones will be notified directly by DEP before work begins in their neighborhoods, and only those who receive official communication from the department are currently eligible to participate.

Mayor Mamdani framed the program as a matter of equity, stating that the city is going door to door to ensure New Yorkers can bring clean water from upstate reservoirs to their dining tables without facing a $10,000 bill. Governor Hochul echoed the point, emphasizing that ability to pay should never determine access to safe drinking water.

FAQs

Who Is Eligible for the Free Lead Pipe Replacement Program?

Eligibility is determined by DEP based on location, income data, and the presence of lead or galvanized steel service lines on a property. Only homeowners who receive an official letter or postcard from DEP are currently eligible. The program targets low-income neighborhoods and environmental justice communities in the Bronx and Queens, with Brooklyn expansion planned for 2027.

How Much Does the Lead Service Line Replacement Cost Homeowners?

There is no cost to eligible homeowners. The program covers the full replacement of lead or galvanized steel service lines with copper pipes, a job that would typically cost upward of $10,000 if handled privately.

What Neighborhoods Have Already Been Served?

Completed work includes Mount Eden, Fordham Heights, University Heights, Kingsbridge Heights, Belmont, and Mount Hope in the Bronx, along with parts of Flushing in Queens. Soundview in the Bronx and Borough Park in Brooklyn are scheduled for 2027.

How Can Homeowners Check if Their Property Has a Lead Service Line?

NYC DEP maintains a public service line map on its website at nyc.gov/leadpipe, where property owners can look up their address and view whether their home is connected by a lead, galvanized, or copper service line.

Does New York City’s Tap Water Contain Lead?

New York City’s water supply is delivered lead-free from upstate reservoirs and meets or exceeds all federal and state drinking water standards. The risk of lead exposure comes from privately owned service lines and household plumbing that may contain lead or galvanized steel, which is why the city’s replacement program focuses on those private connections.