## Government Contracting Workshop for Maui Businesses


**Small business owners** on **Maui** interested in securing contracts with governmental bodies have a valuable opportunity to participate in a complimentary workshop scheduled for April 7th in **Kīhei**. The event, organized by both state and federal transportation authorities, aims to equip entrepreneurs with the knowledge needed to navigate the public sector procurement process. This session provides a direct pathway for local companies to engage with significant infrastructure initiatives.

The workshop will be held from 9:00 AM to 12:00 PM at the **Malcolm Center** in Kīhei, specifically located at 1305 N. Holopono St., Suite 5. Attendees should plan to arrive for check-in beginning at 8:45 AM to ensure a smooth start to the morning’s proceedings. This focused timeframe is designed to maximize learning and provide ample opportunity for interaction with program representatives.


## Vendor Opportunities with the Hawaiʻi DOT


The **Hawaiʻi Department of Transportation (HDOT)** is currently prioritizing the recruitment of vendors for upcoming **airport** and **highway projects** across the state.  Successfully bidding on these substantial infrastructure jobs and **airport concessions** necessitates specific certifications for local contractors.  These certifications demonstrate a business’s eligibility and capacity to fulfill project requirements. 

To facilitate this process, the workshop will dedicate significant time to outlining available **lending options** and detailing the precise steps required to achieve **Disadvantaged Business Enterprise (DBE)** or **Small Business Enterprise (SBE)** certification.  Organizers emphasize the importance of these credentials for accessing a wider range of contracting opportunities.


## Hands-On Certification Assistance


A key component of the April 7th workshop will be a practical, hands-on application segment. **Transportation officials** will be present to guide business owners through the preparation of necessary electronic documentation for the **Disadvantaged Business Program**. This direct assistance is intended to streamline the application process and address any challenges participants may encounter.

Due to limited capacity, pre-**registration** is mandatory for all prospective attendees.  Notably, organizers have confirmed that this event will be exclusively an in-person experience, with no virtual participation option available. Interested parties can secure their spot by registering online or by utilizing the provided **QR code**.

Maui Businesses: Win Gov Contracts - Free Kīhei Workshop!

## Protecting Your Privacy with Yahoo


**Yahoo** recognizes the significance of user privacy and operates as part of a broader family of brands. The company employs various technologies, including **cookies**, when individuals access its websites and applications. These practices are implemented to enhance user experience and maintain a secure online environment. Specifically, cookies are utilized to deliver core site functionality, ensure user authentication, and safeguard against malicious activities like spam and abuse.

Furthermore, data collection through cookies allows **Yahoo** to analyze user behavior and measure engagement with its platforms. This analytical data is crucial for understanding how users interact with services and identifying areas for improvement. The insights gained contribute to the ongoing development and refinement of Yahoo’s offerings. 


## Understanding Data Usage and Consent


Your privacy settings are paramount, and **Yahoo** provides clear options regarding data collection. Selecting “Accept All” grants permission for both Yahoo and its partners – a network of 245 companies participating in the **IAB Europe**’s Transparency and Consent Framework – to store and utilize information on your device. This includes employing cookies to access precise geolocation data and other personal identifiers, such as technical IDs and browsing history. 

This data is leveraged for a variety of purposes, including delivering tailored advertising and content, evaluating the effectiveness of marketing campaigns, conducting audience research, and fostering the creation of new services. The goal is to provide a more relevant and personalized experience for each user.


## Controlling Your Privacy Preferences


Users who prefer to limit data sharing can choose “Reject All,” preventing **Yahoo** and its partners from utilizing cookies and personal data for the aforementioned additional purposes. Alternatively, the “Manage Privacy Settings” option allows for granular control over individual preferences. This empowers users to customize their data sharing choices according to their comfort level.

It’s important to note that consent can be revoked or preferences modified at any time. Links labeled “Privacy Settings and Cookies” or “Privacy Dashboard” are readily available on Yahoo’s websites and within its applications, providing easy access to these controls. For a comprehensive understanding of data handling practices, users are encouraged to review the **Yahoo Privacy Policy** and **Cookie Policy**.

Yahoo Details How It Uses Cookies & Protects Your Privacy

Two dedicated attorneys from **Community Legal Aid**, a nonprofit organization delivering vital free legal assistance to over 9,000 low-income and elderly households across Central and Western Massachusetts annually, have received significant recognition for their contributions to the legal field. These accolades highlight their unwavering commitment to justice and community service.


## Community Legal Aid Attorneys Earn Prestigious Recognition


The legal community has acknowledged the impactful work of two Springfield-based attorneys from Community Legal Aid. **Christa Douaihy**, coordinating attorney for the organization's Housing Unit, was distinguished by **Mass. Lawyers Weekly** as one of the "Top Women of Law" for 2025. Concurrently, **Krista Ellis**, a coordinating attorney within Community Legal Aid's Family Law Unit, was honored with the Emerging Women Leaders in the Law Award at the **Women’s Bar Association's** 2025 gala. Both attorneys primarily serve clients throughout Western Massachusetts.


## Christa Douaihy: A Champion for Housing Justice


Christa Douaihy brought her extensive litigation experience to Community Legal Aid in 2022, having previously practiced in both New York and Massachusetts. Her career commenced in 2008 at **Legal Services of the Hudson Valley**, where she passionately advocated for the civil rights of individuals with disabilities in complex cases spanning housing, employment, and family law. She further refined her legal acumen as a civil litigator and disability rights advocate, notably at **The Bronx Defenders** and in private practice.

Beyond her pivotal role as coordinating attorney for Community Legal Aid’s Fair Housing Unit, Douaihy extends her expertise to academia. She serves as an adjunct professor at **Western New England School of Law**, where she imparts knowledge on the "Access to Justice" course, shaping the next generation of legal professionals.


## Krista Ellis Honored for Emerging Legal Leadership


Krista Ellis, an alumna of **American University Washington College of Law**, has been an integral part of Community Legal Aid’s Family Law Unit since 2019. Her dedication to family law and her clients has made a profound impact. This year's recognition from the Women's Bar Association underscores her rising influence and leadership within the legal sphere.

Ellis's commitment to professional development is further evidenced by her recent graduation from the **Massachusetts Bar Association’s** 2024-2025 Leadership Academy. This achievement signifies her ongoing pursuit of excellence and her potential to shape the future of legal practice in Massachusetts.

Community Legal Aid Lawyers Honored for 9,000+ MA Families Helped

## Tragic Plane Crash Claims Lives of Award-Winning Pilot and Wife in East Texas


A devastating aircraft accident in East Texas last Wednesday claimed the lives of **Ronn Timmermans** and his wife, **Barbara Zimmer**, according to reports released Sunday. The couple, known within the aviation community for their expertise and contributions, were piloting a **Beechcraft A36** when the incident occurred around 5:30 p.m. The **National Transportation Safety Board (NTSB)** confirmed the aircraft struck power lines while attempting to divert to Brownsboro, ultimately coming down short of the runway in Murchison. Authorities are currently investigating the circumstances surrounding the crash, which reportedly involved an emergency landing declared due to “oil on the windshield.”


## Remembering Ronn Timmermans: A Legacy in Flight Instruction


**Ronn Timmermans**, a veteran flight instructor and owner of Orlando-based aviation company AileRon T LLC, was widely recognized for his dedication to the field. He received the prestigious title of **National Certified Flight Instructor of the Year** in 2021, an honor bestowed by a program affiliated with the **Federal Aviation Administration**. The **Florida Aviation Network (FAN)**, where Timmermans served as a host and provided pro bono services since 2017, expressed profound sadness at his passing. "Ron was an important part of training hundreds of pilots over the years," FAN stated. "He’s done hundreds of hours of interviews with people in the aviation industry. He was the National Flight Instructor of the Year in 2021. He and Barbara will be greatly missed."


## The Incident and Miraculous Survival of Their Pet


According to the **Florida Aviation Network (FAN)**, an internal memo conveyed the somber news: "It is with deep sadness that it has been reported that Ronn Timmermans (RJT) has ‘Gone West’ on February 11th, 2026." Photos from the crash site depict the aircraft resting nose-down, its tail dramatically angled towards the sky. While the couple tragically perished, their small lapdog, **Ziva**, remarkably survived the impact. Local resident **Mary Ann Shoulders** recounted, "The dog was alive, and so one of the neighbors took the dog to take care of."


## Investigation Underway and Data Retrieval Efforts


The **NTSB** has initiated a thorough investigation into the cause of the accident. Investigators have already recovered devices from the wreckage that may contain crucial data pertaining to the flight and the events leading up to the crash. The aircraft’s wreckage has been transported to a secure facility for further examination and analysis. The **Federal Aviation Administration** has been contacted for additional information regarding the ongoing investigation.


The Bonanza & Baron Pilot Training website highlights a poignant inspiration behind Timmermans’ career: his wife, **Barbara**, who motivated him to become a flight instructor. Together, the couple explored numerous destinations across the United States, Canada, and the Bahamas, sharing their passion for aviation.

East Texas Plane Crash: Pilot, Wife Die, Dog Survives

## Baton Rouge Company Poised to Revolutionize Frozen Dessert Industry with Innovative Machine


**Jason Hugenroth**, CEO of **Cremmjoy**, stands beside a milling machine, a key component in the development of their groundbreaking machinery, in Baton Rouge, Louisiana, on Wednesday, January 28, 2026. After years of dedicated research and strategic fundraising, this Louisiana-based company is nearing the launch of a product set to redefine the frozen dessert experience. **Cremmjoy** has engineered a novel soft serve ice cream and slush machine that eliminates the cumbersome and time-consuming disassembly and cleaning typically required of existing frozen dessert equipment.


## A New Approach to Frozen Dessert Technology


Over the past five years, **Hugenroth** and his team have diligently pursued the development of prototypes, secured patent protection for their innovative technology, and successfully raised nearly $3 million in funding. The core of their innovation lies in a radical departure from the established methods of soft serve production, dating back almost two centuries. Instead of traditional components, the ice cream mix is contained within a disposable plastic bag housed inside the machine, preventing contact with other parts and negating the need for extensive cleaning procedures.

“It’s a pretty radical departure from what's been done for ice cream in general for about 180 years,” **Hugenroth** stated during an interview at the company’s recently established headquarters on Beaumont Drive. This new approach promises to significantly streamline operations for businesses serving frozen treats.


## From Inventherm to Cremmjoy: A History of Innovation


The genesis of **Cremmjoy** can be traced back to **Hugenroth’s** earlier venture, **Inventherm**, a research and development company initially founded in 2006 after he completed his Ph.D. and became a technology development consultant. **Inventherm** was a tenant at the **LSU Innovation Park**, providing a fertile ground for technological exploration. A pivotal moment arrived in 2019 when **Inventherm** concluded a project focused on developing a countertop ice cream machine for a client, leading to several prototype iterations. Observing the laborious cleaning processes of commercial soft serve machines – reminiscent of those found at popular chains like **Dairy Queen** or **Yogurtland** – sparked an idea for a more efficient solution.

Recognizing the significant operational challenges associated with cleaning existing machines, **Hugenroth** began investigating the industry's shortcomings. This research revealed a substantial need for a system that eliminated the need for disassembly and sanitation, presenting a considerable market opportunity. In 2022, the U.S. **Department of Agriculture** recognized the potential of this technology, awarding **Cremmjoy** a $750,000 Small Business Innovation Research grant to facilitate the development of a functional prototype. The company employed a word-of-mouth fundraising strategy, attracting individual investors and showcasing the invention's capabilities.


## Testing and Future Plans


**Cremmjoy** is currently focused on rigorous testing of the product in test kitchens over the next year. The company anticipates launching the machines commercially in 2027. In a recent “Talking Business” interview, **Hugenroth** discussed product development strategies, company objectives, and the move to their new headquarters. He highlighted the enthusiastic reception from investors, noting that demonstrations effectively illustrate the benefits of the innovative design.

Looking ahead, **Hugenroth** envisions **Cremmjoy** disrupting the industry, transforming a technologically stagnant sector with a revolutionary product poised for significant financial success. The company’s long-term goals include exploring various exit strategies, such as mergers, acquisitions, or an initial public offering, while prioritizing continued development and revenue generation. Beyond soft serve ice cream, **Cremmjoy’s** technology has potential applications in the production of frozen beverages like daiquiris, and the company plans to expand its product line to encompass a range of sizes, from countertop systems to large-scale machines suitable for major chains.

Cremmjoy: Baton Rouge Tech to Reshape Ice Cream Industry

## The Rise of Side Hustles: Navigating a Crowded Market


The allure of supplementing income or even escaping the traditional 9-to-5 is driving a surge in side hustles. While launching a venture has never been more accessible – requiring only a stable internet connection and a few hundred dollars – achieving lasting success presents a significant challenge. This exploration, part of our "Future of Capitalism" series, examines how the evolving landscape of hustle culture is reshaping the way individuals approach entrepreneurial endeavors. Data reveals a fiercely competitive environment, exemplified by the story of **Michael Satterlee**, a teenager from Clifton Park, New York, who built his e-commerce company, **Cruise Cup**, from his home with an initial investment of approximately $500.

Satterlee’s success story highlights the ease of entry into the digital marketplace. His top-selling product, a viral Instagram sensation from 2025 – a "tactical reload can holder" designed to accommodate two standard 12-ounce cans – was born from a $300 3D printer and a modest $30 a month Shopify subscription. As Satterlee noted, "Most of the tools you need are free. Social media is free. You can get hundreds of millions of views without paying for distribution." However, this low barrier to entry has inadvertently fueled increased competition, making it harder to stand out.


## The Data Behind the Hustle: A Growing Trend


A 2025 SurveyMonkey study, surveying 3,573 full-time workers in the US, found that 37% currently engage in side hustles, with another 35% considering it. Younger generations, particularly millennials and Gen Z, are leading this shift, significantly contributing to the crowded market. A 2025 Bankrate survey of 2,616 adults revealed that over 30% of millennials and Gen Zers supplement their income with a side job, a stark contrast to older generations.  The trend has seen a notable increase, rising from 19% of US adults in 2017 to 27% in 2025, representing over 60 million Americans actively pursuing side income streams.


## Challenges in a Competitive Landscape


While the rise of side hustles is redefining work and wealth creation, the reality is that for every success story, there are cautionary tales. The ease of starting a business doesn't guarantee profitability or longevity. **Michela Allocca**, a full-time personal finance content creator who began posting on Instagram in 2019, experienced this firsthand. It took two years before she began generating consistent income, and now, seven years in, the primary challenge isn't starting, but maintaining relevance amidst a surge in competition. "There is significantly more competition now," Allocca stated. "It has skyrocketed, and there are so many other people making similar templates or similar styles of content."

Staying visible requires constant adaptation and a willingness to evolve. Algorithms shift, platforms change, and new creators emerge daily, making sustained visibility fleeting. To thrive, entrepreneurs must remain current with industry trends and be prepared to adjust their strategies in real-time. The challenges aren't uniform across all side hustle segments. While Allocca contends with a growing number of online creators, e-commerce entrepreneurs face a different hurdle: the diminishing role of the middleman.


## The Evolving E-Commerce Landscape


**Alex Yale**, a former consultant and now owner of two e-commerce brands, observed a shift in the e-commerce landscape following the pandemic-era boom. Many sellers sourced products from Chinese factories and resold them under private labels on Amazon. However, these factories are increasingly selling directly to consumers, bypassing the middleman and driving down prices. "The factories are saying, 'Why am I selling to you and letting you make a profit? I'll just open my own Amazon account and sell directly,'" Yale explained. This results in price compression and a proliferation of copycat products, making differentiation crucial for survival.


## Persistence and Diversification: Keys to Long-Term Success


Experts emphasize that ease of entry doesn't equate to ease of success. **Dan Schawbel**, managing partner of Workplace Intelligence, cautions against the notion that starting a business is inherently easier than finding a traditional job. "The messaging of, 'It's easier to start a business than find a job right now.' No. I mean, both are hard," he said.

The key to outlasting the competition lies in experimentation and diversification. **Matt Barrie**, founder and CEO of freelance marketplace Freelancer.com, suggests approaching business ventures like investments, advocating for a diversified portfolio. "You can try different things," Barrie stated. "Many hustlers don't just have one company; they have four, five, six. Three or four might not work, but that's the nature of hustling."

**William Butterton**, a full-time electrical engineer and serial side-hustler, embodies this approach. He initially started by buying and installing ATMs and vending machines, seeking passive income with an initial investment of around $2,500. He now also flips Pokémon and sports cards on the live-selling platform Whatnot. Butterton’s philosophy is to explore various avenues before focusing on what resonates. He intends to continue experimenting, prioritizing job security and family time.

Ultimately, success in the side hustle economy demands unwavering dedication. As Satterlee, the creator of Cruise Cup, advises, "You have to be willing to post a video that gets zero views, then one view, then 100 views — and do that a thousand times." Allocca echoes this sentiment, emphasizing that most people underestimate the consistent effort required to achieve breakthrough success. "If you look at any successful creator in 2026, most of them have been posting multiple times a day, every day, for three or four years," she said. "It only looks like an overnight success from the outside."

Side Hustle Surge: Can You Thrive in a Crowded Market?

Over **50 million US private-sector employees** currently lack access to a workplace retirement savings vehicle, such as a 401(k). This significant gap in retirement planning is being addressed by a growing number of states that are implementing mandatory "auto-IRA" programs. These initiatives require most private-sector employers, who do not already offer a retirement plan, to provide employees with individual retirement accounts featuring automatic payroll contributions.

The trend began in **2017** with **Oregon** leading the way. As of today, a total of **15 states** have fully operational auto-IRA programs, with an additional **two states** actively in the implementation phase, according to data from **The Pew Charitable Trusts**. Furthermore, **eight states** are currently considering legislation this year to establish their own auto-IRA programs, indicating a widespread movement to bolster retirement security for workers.


## Expanding Access: The Rise of State-Mandated Auto IRAs


The landscape of state-sponsored retirement savings has expanded considerably. States with active auto-IRA programs include **California**, **Colorado**, **Connecticut**, **Delaware**, **Illinois**, **Maine**, **Maryland**, **Minnesota**, **Nevada**, **New Jersey**, **New York**, **Oregon**, **Rhode Island**, **Vermont**, and **Virginia**. Looking ahead, **Hawaii** is anticipated to launch its program later this year, and **Washington State** is slated to introduce its initiative in **2027**.

Beyond these operational and upcoming programs, several other states are exploring similar legislation. States with auto-IRA bills under consideration are **Alabama**, **Indiana**, **Kansas**, **Massachusetts**, **Michigan**, **Pennsylvania**, **Tennessee**, and **West Virginia**. This broad legislative interest underscores a national recognition of the need to provide accessible retirement savings options for a large segment of the workforce.


## Significant Growth in Auto-IRA Assets


The financial impact of these state-led initiatives is becoming increasingly evident. As of **January 31**, the total assets held within nearly **1.2 million funded auto-IRA accounts** reached **$2.79 billion**, according to the latest figures from the **Georgetown Center for Retirement Initiatives**. This substantial sum reflects contributions across **12 state programs**, notably not yet including the three states that have launched their programs in recent months.

**New York** stands out as one of these recently launched programs, having opened its plan in **October**. Employers in New York face staggered registration deadlines: those with **30 or more employees** must register by **March 18**; businesses with **15 to 29 employees** have until **May 15**; and employers with **10 to 14 people** must register by **July 15**. The only exemptions from New York's mandate apply to employers with fewer than **10 employees** or those that have been in business for less than **two years**.


## How Auto-IRAs Function and Future Benefits


State-based auto-IRAs are typically structured as **Roth IRAs**, meaning contributions are made with after-tax dollars, allowing for tax-free growth and withdrawals in retirement. Employers usually deduct a small percentage of an employee's paycheck, often **3% or 5%**, and invest it in a target-date fund aligned with their anticipated retirement year. These contributions are designed to automatically increase by **1% of pay annually** until they reach a state-defined cap, typically between **8% and 10%**. Employees retain the flexibility to adjust their contribution rates or opt out entirely.

A significant advantage for employers is the minimal administrative burden and cost. There are generally no direct costs for employers to enroll workers, and matching contributions are not permitted within Roth IRAs. Crucially, employers are not saddled with fiduciary duty, which instead rests with a state board overseeing the program. Looking ahead, workers may qualify for a federal **Saver’s Match** starting in **2027**, potentially providing up to **$1,000 annually**. This match, equal to half of contributions up to **$2,000**, will be deposited directly into the Roth IRA, replacing the current non-refundable tax credit and offering a more direct boost to savings for low- and moderate-income individuals.

States Mandate Retirement: 50 Million US Workers Get Auto-IRAs

## Ward and Smith Sponsors 2026 Business of Farming Conference


**Ward and Smith** affirms its dedication to bolstering the individuals who cultivate our regional food supply. Recognizing that supporting agricultural producers equates to investing in the vitality of local businesses, families, and communities, the firm is pleased to announce its sponsorship of the **ASAP** 2026 Business of Farming Conference. This commitment underscores a long-standing belief in the importance of a thriving local food ecosystem.

The conference, scheduled for February 28th in **Asheville, North Carolina**, will convene seasoned farming professionals alongside aspiring agricultural entrepreneurs. Attendees will benefit from a collaborative environment designed to foster resource sharing, networking opportunities, and the enhancement of farm operations throughout the Southeast. The event aims to equip participants with the tools necessary to navigate the complexities of modern agriculture.


## Supporting Sustainable Agriculture & Local Farmers


This year’s conference agenda will concentrate on pragmatic subjects crucial for farm success. Sessions will cover essential areas like effective **marketing strategies**, comprehensive **business planning**, and sound **financial management** techniques. The program is intentionally structured to provide relevant insights for farms at all stages of development, from startups to established enterprises. **ASAP** prioritizes equity and inclusivity, ensuring the conference benefits a diverse range of agricultural stakeholders.

**Ward and Smith** is proud to have provided consistent support for this pivotal event for almost 15 years. This ongoing partnership reflects the firm’s deep respect for the farmers who dedicate themselves to nourishing our communities and maintaining the economic health of the region’s agricultural sector. The firm views this sponsorship as a vital contribution to a sustainable future.


## About Appalachian Sustainable Agriculture Project (ASAP)


The **Appalachian Sustainable Agriculture Project (ASAP)** is dedicated to strengthening local agriculture and fostering robust communities by forging connections between farmers, food, and consumers. Through a multifaceted approach encompassing education, advocacy, and community events, ASAP champions **sustainable farming practices**. This work is essential for preserving a vibrant and resilient local food system throughout the Southern Appalachian region. 

The 2026 Business of Farming Conference will be held on February 28th, beginning at 8:00 a.m. and concluding at 4:00 p.m. The location is the **A-B Tech Conference Hall** in Asheville, North Carolina. Further details regarding registration and the full conference schedule can be found on the ASAP website.

Ward and Smith Backs 2026 ASAP Farming Conference | NC Law Firm

## New Business Openings in North Jersey: January 2024


**The Record**, NorthJersey.com, the Daily Record, and the New Jersey Herald are dedicated to informing readers about the latest commercial developments within their communities. This report highlights recently launched businesses and those preparing to open their doors across North Jersey. Business owners are encouraged to share details of their new ventures to be included in future updates. 

For those with information regarding business openings or closures, **Daniel Munoz**, Business Reporter, can be reached at munozd@northjersey.com. Tips can also be submitted via phone at 201-270-9870. This ongoing coverage aims to keep the public abreast of the evolving local business landscape.


## Specialized Healthcare & Recreational Facilities


**Riverside Oral Surgery** has recently commenced operations in West Orange, providing a comprehensive suite of oral and maxillofacial surgical services. Their expertise encompasses procedures such as dental implants, bone grafting, wisdom tooth extraction, and treatments for impacted canines, cleft lip and palate, and microvascular surgery. The practice is located at 101 Old Short Hills Road, West Orange, and operates from 9 a.m. to 5 p.m., Monday through Friday. Further details can be obtained by calling 973-736-7616 or visiting their website.

In Morristown, the **Indoor Golf Club** celebrated its grand opening on January 29th. This facility offers a unique golfing experience utilizing screen stimulators, alongside membership options and personalized instruction for both individual players and groups. Members enjoy 24/7 access, while non-members can book time slots between 8 a.m. and 9 p.m. Contact them at 973-960-0406, email help@MorristownIGC.com, or visit their website for more information.


## Sweet Treats & Dessert Destinations


**Doughzerts**, a new dessert shop specializing in “no-bake desserts,” debuted in Pequannock on January 24th. The establishment focuses on safe-to-eat, edible cookie dough in a variety of enticing flavors, including cinnamon roll, peanut butter, chocolate chip, oatmeal M&M, and red velvet. 

Beyond cookie dough, Doughzerts also features no-bake cheesecake cups, bite-sized cookie dough balls, and a signature “cookie dough sandwich” – a generous portion of chosen cookie dough nestled between two giant Oreo cookies. Located at 36 Newark Pompton Turnpike, Pequannock, Doughzerts is open daily from 1 p.m. to 8 p.m. Interested customers can reach them at 973-406-7493 or visit their website. **Daniel Munoz** covers business, consumer affairs, labor and the economy for NorthJersey.com and The Record.

North Jersey's Newest Businesses: Jan '24 Openings & More!

## The Subtle Signals of Style on HBO’s ‘Industry’


On HBO’s critically acclaimed series “Industry,” a character’s outward appearance, particularly their choice of outerwear, communicates volumes – often exceeding the information found on a traditional résumé. The show, lauded for its realistic depiction of the high-stakes world of investment banking in London, has captivated viewers and even resonated with professionals in the financial sector. Beyond the accurate portrayal of demanding work hours and specialized terminology, it’s the nuanced details of wardrobe, specifically the ubiquitous **vest**, that strike a chord with those familiar with the industry’s unspoken codes.


## Decoding the Vest: Status and Affiliation


**Bankers** are known for their appreciation of quality garments, and the creators of “Industry” clearly understand this. Whether a practical fleece, a sophisticated padded design, or a subtly branded piece, the vests worn by the characters serve as visual cues to their position and background. **Laura Smith**, the show’s costume designer, explained to Business Insider that she delved deeper into “gilet styles” – the European term for vest – this season to further emphasize these distinctions. The choice isn’t merely aesthetic; it’s a deliberate statement about belonging and aspiration.

For those hailing from established wealth, like **Henry Muck (Kit Harington)** and his uncle **Lord Norton (Andrew Havill)**, the vest embodies “quiet luxury.” This translates to timeless pieces built to last, rather than flashy displays of new money.  **Lord Norton**, for example, is seen sporting a $320 vest from the luxury outdoor brand **Schöffel** while at Henry’s country estate, representing a classic, enduring style. This contrasts sharply with the vests favored by those navigating the competitive world of modern finance.


## Hedge Fund vs. Investment Bank: A Wardrobe Divide


The show meticulously differentiates between the styles worn by individuals based on their firm and location. **Kwabena (Toheeb Jimoh)**, a new hire at SternTao, and **Kenny (Conor MacNeill)**, a former Pierpoint employee, each showcase vest styles reflective of their respective London neighborhoods.  **Smith** highlights a deliberate distinction between the “hedge fund vest” and the “investment bank vest.”  **Kenny’s** vest selection, in particular, serves as a visual callback to his previous role at Pierpoint, grounding him in the worlds of Bishopsgate and Canary Wharf – the areas where the series initially took place. **Kwabena**, meanwhile, wears a gilet specifically associated with private wealth firms in Mayfair.


## Power Dressing and the Language of Accessories


Beyond the vests, the series utilizes other wardrobe elements to convey character dynamics and power imbalances. While characters like **Whitney (Max Minghella)** and **Harper (My’hala)** embrace the current “quiet luxury” trend, their approach differs from those with generational wealth.  **Whitney**, striving to establish himself in both the banking and political arenas as part of his role at Tender, consciously avoids wearing branded company merchandise, only utilizing the company colors sparingly. This strategic choice reflects his ambition and desire to move seamlessly between different spheres of influence.  Conversely, characters like **Jonah (Kal Penn)** readily embrace **Tender** merchandise, becoming a visible representative of the brand.  Even the simple act of wearing a **tie** carries significance, often signaling a moment of vulnerability and a request for a crucial favor, as seen when **Whitney** asks **Henry** to become Tender’s CEO and **Eric (Ken Leung)** seeks capital for SternTao – both instances resulting in a positive outcome.

“Industry” Style Secrets: Vests & Power in HBO’s Banking Drama

## Halifax Panthers Liquidation: Economic Impact on Local Businesses


Just over 52 minutes ago, **Elizabeth Baines** reported from **Halifax** on the fallout from the Halifax Panthers’ removal from the Rugby Football League. The 153-year-old club entered liquidation following a protracted dispute, a development that local business owners anticipate will have a significant economic effect on the town. **Christopher Root** stated the loss of Panthers’ home games will “dramatically” impact the area’s commerce and community spirit. 

The immediate consequences are already being felt, with the scheduled Sunday match against the Sheffield Eagles cancelled. **Ali Akcadagi**, owner of The Shay Cafe Bistro – a family-run establishment operating for the past decade directly across from The Shay Stadium – expressed shock and disappointment. He noted that match days typically boost their revenue by as much as 20%, leaving him questioning where that crucial income will now originate.


## Community Disappointment and Revenue Concerns


Akcadagi’s experience is echoed by other businesses reliant on the influx of fans during game days. Root, proprietor of Jenny’s Cafe, also located near the stadium, highlighted the substantial spending habits of supporters, including daily lunch purchases by team staff. He admitted to being unaware of the club’s financial difficulties and expressed concern over the diminished morale among his regular customers. 

The impact extends beyond cafes, with local pubs and shops also bracing for reduced foot traffic. Root estimates a considerable decrease in takings, emphasizing the “big hole” the Panthers’ absence will leave in the local economy. The situation represents a further setback for Rugby League in West Yorkshire, following Featherstone Rovers’ administration filing in December.


## Future of Halifax Panthers and Regional Rugby League


In a statement released on Monday, **Halifax Panthers** acknowledged the liquidation stemming from the “long-running dispute,” but maintained it doesn’t necessarily signify the club’s ultimate demise. The organization affirmed its commitment to collaborating with all stakeholders to achieve a favorable outcome and ensure a sustainable future for the team. 

**Mike Pentley**, a dedicated Rugby League fan for 30 years, described the situation as “another nail in the coffin” for the sport. Pentley, who manages the Cross Keys Inn – a popular pre and post-match gathering spot for both home and away fans – anticipates a loss of approximately £200 per game and fears similar financial repercussions for other nearby pubs. He values the atmosphere created by opposing fans interacting, a dynamic now threatened by the club’s predicament.

Halifax Panthers' Collapse: Businesses Face Economic Hit

## Former Amazon Leaders Launch AI Startup Datalinx AI, Citing RTO Mandate and AI Opportunity


By **Jacob Zinkula**

(Image: **Joe Luchs** (left), **Nicole Landis Ferragonio** (right) 2026-02-14T10:01:01.231Z)

Two former Amazon executives, **Nicole Landis Ferragonio** and **Joe Luchs**, made the significant decision last year to depart from the tech giant and establish their own startup. Their leap into entrepreneurship was primarily motivated by Amazon’s **five-day return-to-office (RTO) mandate** and the unprecedented surge in **artificial intelligence (AI)** innovation, which they identified as a pivotal moment for new ventures.

The duo, who initially connected over a decade ago in New York City through mutual acquaintances, eventually found themselves collaborating at Amazon. This shared professional experience laid the groundwork for their discussions about launching an independent enterprise. Their journey culminated in the formal launch of **Datalinx AI**, an "AI data refinery" designed to transform raw company data into reliable, actionable intelligence.


## Catalysts for Entrepreneurial Action: RTO and the AI Revolution


In their respective roles at Amazon, Ferragonio and Luchs gained deep insights into the challenges businesses faced with data management. Last year, Ferragonio was a senior manager leading a 55-person product and engineering team focused on data and measurement within the Amazon Ads division. Simultaneously, Luchs served as the global head for the Amazon Web Services and Ads partnership. Through their work, they consistently observed a prevalent challenge: companies struggled to leverage their internal data effectively due to its fragmented and inconsistent nature.

This shared understanding of a critical market gap, combined with significant shifts at Amazon, spurred their decision. Ferragonio highlighted the **five-day RTO mandate** as a "tipping point," prompting questions about individual agency within large corporations. She emphasized that the rapid pace of **AI adoption** presented a unique and fleeting opportunity to build something novel from the ground up, rather than within an established company structure. Luchs, aged 38, echoed this sentiment, noting that the combination of his extensive experience and energy made it an opportune moment to start a business, especially given the "game-changing" capabilities of emerging **AI technologies**. He admitted to experiencing a "FOMO" (fear of missing out) on the **AI opportunity**, which accelerated his desire to move quickly.


## Identifying a Market Need and Founding Datalinx AI


Their collaborative observations led Ferragonio and Luchs to conceptualize a solution for the data fragmentation problem. Luchs was the first to resign from Amazon in March of last year, dedicating himself full-time to researching and developing their startup concept. Ferragonio followed suit in September, at which point she, Luchs, and two other co-founders officially unveiled **Datalinx AI**.

The company positions itself as an "AI data refinery," aiming to empower businesses by converting their disparate data sources into trusted, actionable intelligence. In January, Datalinx AI successfully secured **$4.2 million** in seed funding. The round was spearheaded by **High Alpha**, with additional contributions from **Databricks Ventures**, **Aperiam**, and a consortium of experienced operators and founders, underscoring investor confidence in their vision.


## Navigating the Startup Journey: From Big Tech Security to Entrepreneurial Pace


The decision to leave secure roles at Amazon required careful consideration, particularly regarding timing and financial implications. Luchs explained that the rapidly evolving **AI** landscape made him feel he "wasn't moving fast enough" while still employed, recognizing that a full-time Amazon role was incompatible with building a new venture. Ferragonio, conversely, focused on gathering extensive customer input and solidifying a clear product vision before tendering her resignation in September.

From a financial standpoint, Ferragonio (35, based in New York City) felt well-positioned due to prior career opportunities, though acknowledged the significant contemplation involved in her first startup leap. Luchs (38, also in New York City) emphasized that pursuing the benefits of startups often necessitates short-term compensation sacrifices, but the unparalleled learning experience is "worth its weight in gold." He also pointed out that recent layoffs in **Big Tech** challenge the notion of inherent safety in such roles. The team of four co-founders and two founding engineers is actively expanding, with plans to test their product with a second group of customers in the second quarter of 2026 and generate revenue with their first paying customer this month.


## Strategic Advice for Aspiring Founders


Building **Datalinx AI** has presented its own set of challenges, from establishing core operations like health insurance, accounting, and incorporation, to expertly balancing early customer feedback. Ferragonio highlighted the delicate act of developing enough features to excite customers without over-engineering, as true product efficacy is only revealed through actual usage.

For others contemplating a similar career transition, Ferragonio advises against waiting for "the perfect time," noting that such a moment rarely arrives, especially within **Big Tech**. She strongly recommends engaging with a wide network of contacts—friends, stakeholders, and potential customers—to strengthen conviction in a business idea. Luchs encourages aspiring entrepreneurs to overcome perceived barriers, reminding them that even seasoned founders started with limited knowledge. He asserts that a combination of conviction, belief in one's ability to solve problems, and a willingness to listen to customers and work diligently constitutes "half the battle" for success.

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