The Disruption Blog

How the Digitalization of the Automobile will Disrupt the Collision Industry

digital automobile May 18, 2020

The automobile, which can be considered one of the preeminent consumer products of the Industrial Revolution, is facing its greatest moment of change ever! This change is being driven by Automated Driving Technologies (ADT), consumer preferences, industry pressures, government influence, and regulations. This digitalization of the automobile is one of the most important developments in the world today.

If ever there was a product ripe for disruption, it is the automobile. This scenario is a nightmare for many traditional car manufacturers and is the reason why many tech companies can’t wait to get a piece of the multi-trillion (yes, with a “T”) dollar global automotive industry.

As the vehicle becomes another computing and connected device on the network, the future business model for the automobile will be a software and services model. In other words, we’re moving toward the “computer on wheels”.

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Working from Home Will Reduce Miles Driven and Affect Commercial Real Estate

covid-19 May 13, 2020

In previous posts I have stated that there is a very good chance mileage driven will go down due to more companies allowing their employees to work from home. 

Yesterday, Twitter CEO Jack Dorsey wrote in an email to employees that the company will allow almost everyone to work from home permanently. 

  • Dorsey had said he planned to make Twitter’s workforce more “distributed” before the coronavirus pandemic, but then...those plans got pushed up. 

Office closures have forced many companies to try remote working. Google said a majority of Googlers will WFH until 2021, and Facebook will allow all employees who are able to WFH to do so even after it reopens offices after the July 4 weekend. 

And it’s not just tech: The pandemic prompted members of the button-down brigade like Morgan Stanley and Barclays to add security measures that allow employees to WFH, to generally positive results. 

  • One report by NordVPN found that average...
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How COVID-19 Has and Will Disrupt the Collision Industry

covid-19 May 07, 2020

I recently completed a webinar for RDA titled 6 Disruptions the Collision Industry
will face in 2020 and Beyond. COVID-19 was one of the disruptions I covered. I hope you find this valuable. 

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More COVID-19 Financial Options Other Than the EIDL and PPP

covid-19 Apr 13, 2020

In previous blog posts I have shared information on two (2) government backed financial offers to help small businesses survive the “shut down” we are experiencing.

In this post, I want to provide you with eight (8) potential financial strategies could help you, your business and your family.

Below are eight (8) potential financial strategies to help your business get through the COVID-19 shut down….

  1. Economic Injury Disaster Loans (EIDL)
  2. Paycheck Protection Program (PPP)
  3. Personal Stimulus Checks
  4. Existing SBA Loan Forbearance
  5. Increased Access to Retirement Accounts
  6. Unemployment Benefits
  7. New Paid Sick Leave Laws 
  8. New Family Medical Leave (FMLA)

Economic Injury Disaster Loans (EIDLs)

Most of you have probably heard enough about this loan so I won’t waste too much of your time…With this loan, you can apply online immediately without having to talk with a banker, and second, you can receive up to $10,000 much more quickly and also get this amount...

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10 SBA PPP Do’s and Don’ts

Uncategorized Apr 08, 2020

1. Don’t hesitate to apply for the PPP. 
The only businesses that shouldn’t apply are those that haven’t been impacted by COVID-19. 

2. Do move fast. 
There are 5 million employer companies in the U.S. that are going to be vying for this pot of money [through the PPP!  So, don’t just make sure you have your ducks in a row in terms of documentation. Make sure you file your application from the moment that your bank window opens.”

3. Don’t worry about loan forgiveness right now. 
Instead, take advantage of the opportunities afforded by the PPP. This is very cheap, 2-year money. There is no collateral. And there are no personal guarantees. This will probably never happen again in your lifetime. 

4. Do apply for the EIDL Program in addition to PPP. 
You can always turn down the money if you don’t need it or find it’s not beneficial to you. 

5. Don’t expect your loan to arrive swiftly.

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SBA Delivers “Interim” Final Rule for Paycheck Protection Program Loans

Uncategorized Apr 07, 2020

On April 3, the (SBA) issued an Interim Final Rule (IFR) for the Paycheck Protection Program (PPP) just a few hours before borrowers were allowed to start submitting PPP loan applications to lenders.  The IFR included some important changes and clarifications to the PPP, but other issues remain open.

IFR clarified the following issues:

  1. PPP loans will be made on first come, first served basis. 

The Interim Final Rule (IFR) made clear that PPP loans will be made available to those borrowers who first apply.  The CARES Act included a “Sense of the Senate” provision that the SBA “should” issue guidance to give priority for PPP loans to small business concerns in underserved and rural markets, including veterans and members of the military community, and small business concerns owned and controlled by socially and economically disadvantaged individuals, women, and businesses in operation for less than two years.

  1. 75/25 rule for use of...
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Performing a SWOT Analysis on Your Business

Uncategorized Apr 06, 2020

Unless you have been living in a cave somewhere, you know that the business world we operated in 6 weeks ago has changed. As we all change to survive and thrive in this new environment, the three legs of the business stool, Sales and Marketing, Operations and Financial Management are more critical than ever.

One task every business should take time to complete is a S.W.O.T. analysis. Understanding your company’s Strengths, Weaknesses, Opportunities and Threats will help you implement strategies and tactics to help your business get through this challenging time and thrive

Here is a video from my Marketing Bootcamp ( to help you perform a S.W.O.T. analysis of your business.


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IMPORTANT: Be Aware of COVID-19 Scams

covid-19 Apr 03, 2020

Urgent SCAMMER ALERT urging everyone to be on high alert for “bad actors” aiming to coerce you and your family out of their personal information in a new federal stimulus payment scam.

Scammers are using the news that the federal government will send one-time payments to millions of people across the country as part of the federal economic relief response to COVID-19 to steal personal information. 

The Attorney General has already received reports that residents are getting emails from websites appearing to be official demanding that they provide PayPal, bank account or other financial information to receive the $1200 federal stimulus payment immediately.

If you receive a text, email or phone call from someone claiming to be from the government with a check for you—DO NOT FALL FOR IT. These fake phishing scams will likely ask...

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COVID-19 Small Business Loan Programs

covid-19 Mar 28, 2020

On March 27th, the United States House of Representatives passed the “Coronavirus Aid, Recovery and Economic Security Act” or the “CARES Act” (Act), which previously passed the United States Senate on March 25 and was signed by the President. The Act includes a small business loan program, known as the “Paycheck Protection Program” (PPP), that makes available forgivable loans of up to $10 million during the covered period of February 15, 2020 to June 30, 2020 if the business retains its employees and otherwise meets the requirements. The Act also makes available funds for immediate grants of up to $10,000 for small businesses that have applied for SBA Economic Injury Disaster Loans (EIDL). Below are some key provisions of the PPP and the EIDL grant program as well as summary of the United States Treasury’s proposed middle-market direct lending program set forth in the Act.

Eligibility for Small Business Paycheck Protection Program Loans...

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What is Your Company's Purpose?

Uncategorized Mar 27, 2020

In today's business environment every company needs a purpose!

Need more marketing help? Check out our Marketing "Boot Camp" for the Automotive Industry here:


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