Podcasts about ACH

What if the way your business accepts payments is quietly hurting your cash flow?In this episode of B2B Vault, Alan Kopelman sits down with a payments expert to discuss the hidden costs of B2B payment terms, why many businesses unknowingly act as lenders to their customers, and how smarter payment strategies can improve profitability.Learn how payment automation, virtual cards, ACH, rules-based payment acceptance, and modern invoicing tools are helping businesses get paid faster, reduce processing costs, and improve working capital. Whether you're a business owner, CFO, controller, or finance professional, this conversation offers practical insights you can implement immediately.Tune in to discover how a well-defined payment policy can strengthen cash flow, reduce risk, and create a better payment experience for both buyers and suppliers.#B2BPayments #CashFlowManagement #PaymentAutomation #VirtualCards #BusinessFinance #AccountsReceivable #Fintech #B2BVault #NationwidePaymentSystems #WorkingCapital #BusinessGrowth #PaymentStrategyThanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications!

A $400,000 B2B card payment sounds simple until a processor flags it, the finance team cannot reconcile it, and the invoice sits open while DSO creeps up. That gap between delivering product and collecting cash is where B2B payments either become a growth engine or a constant operational headache.I sits down with Thomas Cecil, Co-Founder of PAYRA, to unpack how modern accounts receivable automation actually works when you have real scale like thousands of invoices per month and customers paying by card, ACH, wire, or check. We talk through PAYRA's approach to the invoice-to-cash cycle, why deep ERP integrations matter more than glossy dashboards, and how automated payment reconciliation into the general ledger eliminates the manual posting that blocks adoption. Thomas also explains the practical details finance teams care about, like handling surcharging and posting to multiple GL entries without breaking the books.We also zoom out to where B2B payments is headed: partnering with ISOs instead of trying to replace them, using AI agents to pull invoice metadata from legacy ERPs with limited APIs, and the growing opportunity in cross-border receivables. Thomas shares why stablecoins may reduce correspondent banking friction and why workflows and value-added services are becoming the real business model behind payments.

+++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/ZeiglerundKoester +++ So hoch wie sonst nur gegen Brasilien gewann das deutsche Team auch gegen Curacao. Und dass obwohl die Mannschaft kurz vor der Trinkpause kurz stolperte. Dann aber brillierte Musiala, traf Deniz Undav und war die Laune allgemein prächtig. Zumal sich auch noch Jürgen Klopp wortreich entschuldigt hatte, für was auch immer. All das wird von den beiden Hosts eloquent und in gebotener Präzision abgeräumt. Ach ja, und Philipp hat in New York Almuth Schult getroffen und war ganz kurz davor, einen LKW zu besteigen und die nächste Folge aufzunehmen. Kann ja noch werden. Jetzt aber erstmal in die neue Folge reinhören, damit ihr nicht durcheinanderkommt. Das Turnier ist ja noch lang. Ihr habt Fragen oder Anregungen? Dann schreibt uns gern an podcast@11freunde.de Werbepartner Saily ➼ Erhaltet einen exklusiven 15% Rabatt auf Saily Datenpakete! Nutzt den Code zeiglerkoester beim Checkout vor eurer Reise. Downloadet jetzt die Saily App oder geht zu https://saily.com/zeiglerkoester ⛵ EXKLUSIVES NordVPN-Angebot ➼ Unter nordvpn.com/zeiglerkoester gibt es einen Mega-Rabatt und 4 Extra-Monate auf die 2-Jahrespakete Testet es jetzt risikofrei mit einer 30-Tage-Geld-zurück-Garantie! Eine Produktion im Auftrag von RTL+ +++ Hosts: Arnd Zeigler und Philipp Köster Redakteur: Tim Pommerenke Audioproduzentin und Sprecherin: Henni Koch Sounddesign: Ekki Maas Dieser Podcast wird vermarktet von Julep Media: sales@julep.de +++ Wir verarbeiten im Zusammenhang mit dem Angebot unserer Podcasts Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, melden Sie sich hier: datenschutz@julep.de

Ozeáš 2,16-25 16 „Preto, hľa, vyvábim ju, zavediem na púšť a prehovorím k jej srdcu. 17 Tam jej dám vinice a údolie Achór ako bránu nádeje a odtiaľ mi odpovie ako v dňoch svojej mladosti, ako vtedy, keď vychádzala z Egypta. 18 V ten deň,“ znie výrok Hospodina, „bude ma volať: ‚Môj muž,‘ a nebude ma viac volať: ‚Môj Baal‘. 19 Odvrátim mená baalov od jej úst, viac nebudú spomínaní menom. 20 Vtedy uzavriem zmluvu s divou zverou, nebeským vtáctvom a plazmi zeme. Luk a meč, teda boj, odstránim zo zeme a usadím ich v bezpečí. 21 Zasnúbim si ťa naveky, zasnúbim si ťa v spravodlivosti, práve, láske a v milosrdenstve. 22 Zasnúbim si ťa vo vernosti a ty spoznáš Hospodina. 23 Vtedy odpoviem,“ znie výrok Hospodina, „odpoviem nebesám a ony zasa odpovedia zemi, 24 zem odpovie obiliu, muštu a oleju a oni odpovedia Jezreelu. 25 Zasejem si ju v krajine a zmilujem sa nad Neomilostenou, poviem Nie môjmu ľudu: ‚Ty si môj ľud‘ a on povie: ‚Môj Boh‘.“ Stretnutie s Ním. Vyvábi si ju a zavedie na púšť a tam prehovorí k jej srdcu. Odvedie ju preč od rušivých podnetov, zabehnutého systému. Vezme ju na miesto, kde zaznie len Jeho hlas. Priamo do jej srdca. Aj napriek nevere izraelského ľudu Hospodin aktívne pracuje na Svojom obnovení vzťahu s ním. On iniciuje stretnutie, zasnúbenie, Jeho hlas znie, a robí tak na špecifickom mieste: na púšti. – – Čo je mojou púšťou? Kde Hospodin prehovára k môjmu srdcu? Čo musí utíchnuť, aby zaznel Jeho hlas do môjho srdca? A to stretnutie s Ním mení všetko: modly strácajú moc, utíchnu boje a nastupuje Hospodinova vernosť. Vnímam Jeho vábenie aj dnes? Až po osobnom stretnutí s Ním môžem vyznať: Ty si môj Boh! Modlitba: Hospodine, ďakujem Ti, že si silný Boh, ktorý utíši všetky boje aj neveru! Ďakujem Ti, že aj dnes Ťa môžem osobne stretnúť a vyznať, že si môj Boh! Amen. Pieseň: ES 244 Autor: Lenka Šimočková Tma bude pokrývať zem a temnota národy, ale nad tebou vyjde Hospodin a Jeho sláva sa zjaví nad tebou. Izaiáš 60,2 Potom k nim Ježiš znova prehovoril: „Ja som svetlo sveta. Kto Mňa nasleduje, nebude chodiť v tme, ale bude mať svetlo života.“ Ján 8,12 Príslovia 9,1-10 •   Modlíme sa za: Slovenské Pravno (TuS) Otázky na rozjímanie: Aká je moja dnes „púšť“ — kde potrebujem utíšiť rušivé podnety, zabehnutý systém a nechať Božieho hlasu prehovoriť priamo do môjho srdca? Kde v mojom živote sú ešte „Baalovia“ na mieste „Môjho muža“ — čo ma odvádzá od Božej vernosti a zasnúbenia v spravodlivosti, lásky a milosrdenstve? Ako dnes žijem z istoty, že Boh „zmilujem sa nad Neomilostenou“ a povie „Ty si môj ľud“ — či som si vedomý/á, že aj keď som bol/á neverný/á, Boh ma zasejme v krajine a zasa bude môj Boh? Aplikácia do života: Dnes si vyhraďte 10–15 minút na púšť: odložte mobil, vypnite hudbu, zatvorte dvere a povedzte: „Hospodin, prehovor k môjmu srdcu.“ Zapíšte si jednu modlitbu, kde sa pýtate: „Čo musí utíchnuť, aby Tvoj hlas znieval?“ Potom urobte jeden krok odvrátenia sa od Baala: odložte jednu vec, ktorá vás odvádzala od Boha. Dnes som vďačný za tieto 3 veci: _________________________________ _________________________________ _________________________________ Viac o vďačnosti, čo to je, prečo je dôležité byť vďačný, ako praktizovať vďačnosť nájdeš na blogu

With rising credit card fees, explore whether they are fueling a comeback of writing checks or using cash. Join radio hosts Rebecca Wanner aka ‘BEC' and Jeff ‘Tigger' Erhardt (Tigger & BEC) with the latest in Outdoors & Western Lifestyle News! Small businesses are increasingly scrutinizing credit card processing fees, which can significantly impact profits. While checks and cash haven't made a full comeback, many business owners are looking for ways to reduce payment costs. How Much Do Credit Card Fees Cost?  Most merchants pay between 1.5% and 3.5% per credit card transaction. Example: Auto Body Shop An auto body shop processing $214,000 annually in credit card payments at a 3.5% processing rate would pay approximately $7,500 per year in credit card fees. That's $7,500 that could otherwise be used for employee wages, equipment upgrades, marketing, or business growth. Are Checks Making a Comeback? In some industries, yes. Businesses that handle large invoices—such as contractors, auto repair shops, property managers, and professional service firms—are increasingly encouraging customers to pay by check or bank transfer to avoid processing fees. Checks can save businesses hundreds of dollars on large transactions, though they require more manual processing and can take longer to clear. What About Cash? Cash remains attractive because there are no credit card processing fees and funds are received immediately. However, cash also comes with challenges: Security risks Additional accounting and handling time Customer preference for card payments Many consumers now expect the convenience of paying with a card or mobile wallet. The Real Trend: Lower-Cost Electronic Payments Rather than returning to paper checks, many businesses are encouraging: ACH bank transfers Debit card payments Bank-to-bank payment apps Real-time payment systems These options often cost significantly less than traditional credit card transactions. Passing the Fee to Customers Some businesses are choosing to pass credit card processing fees directly to customers through a surcharge. For example, if a customer pays a $1,000 auto repair bill with a credit card and the processing fee is 3.5%, the customer may see an additional $35 surcharge on the invoice. This allows the business to recover its payment processing costs rather than absorbing them. Financial Literacy The set of skills needed to handle money wisely, invest effectively, and plan for a comfortable future is known as Financial Literacy. Did you know that these concepts can be introduced as early as ages 3 to 5, while foundational money habits are largely set by age 7. Financial education is life long, so start now! OUTDOORS FIELD REPORTS & COMMENTS We want to hear from you! If you have any questions, comments, or stories to share about bighorn sheep, outdoor adventures, or wildlife conservation, don't hesitate to reach out. Call or text us at 305-900-BEND (305-900-2363), or send an email to BendRadioShow@gmail.com. Stay connected by following us on social media at Facebook/Instagram @thebendshow or by subscribing to The Bend Show on YouTube. Visit our website at TheBendShow.com for more exciting content and updates! https://thebendshow.com/ https://www.facebook.com/thebendshow WESTERN LIFESTYLE & THE OUTDOORS Jeff ‘Tigger' Erhardt & Rebecca ‘BEC' Wanner are passionate news broadcasters who represent the working ranch world, rodeo, and the Western way of life. They are also staunch advocates for the outdoors and wildlife conservation. As outdoorsmen themselves, Tigger and BEC provide valuable insight and education to hunters, adventurers, ranchers, and anyone interested in agriculture and conservation. With a shared love for the outdoors, Tigger & BEC are committed to bringing high-quality beef and wild game from the field to your table. They understand the importance of sharing meals with family, cooking the fruits of your labor, and making memories in the great outdoors. Through their work, they aim to educate and inspire those who appreciate God's Country and life on the land. United by a common mission, Tigger & BEC offer a glimpse into life beyond the beaten path and down dirt roads. They're here to share knowledge, answer your questions, and join you in your own success story. Adventure awaits around the bend. With The Outdoors, the Western Heritage, Rural America, and Wildlife Conservation at the forefront, Tigger and BEC live this lifestyle every day. To learn more about Tigger & BEC's journey and their passion for the outdoors, visit TiggerandBEC.com.

durée : 00:16:03 - par : Corinne Schneider - réalisation : Anne-Lise Assada, Geneviève Cras Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Envíanos tus comentarios por Fan Mail.Entre los aportes más significativos de la Orquesta Aragón a la música cubana, como ninguna otra charanga cubana, esta institución musical desarrolló un estilo singular dentro de nuestra bolerística. La hermosa historia escrita por la Orquesta Aragón, con su repertorio de boleros, merece, más que el reconocimiento popular, un estudio capaz de mostrar, a las nuevas generaciones, cómo se defiende nuestra identidad musical, sin considerar época o supuesta antigüedad. Los más de cien boleros que atesora el repertorio de esta institución musical cubana demuestran que no fue casual su entrega a este género tan nuestro. Esta es sólo una de las razones por las que en pleno siglo veintiuno, como ninguna otra agrupación musical cubana, la Orquesta Aragón se mantiene vigente.En el acostumbrado Calendario Musical de Cuba, recordamos a Julio Valdés; a La Pequeña Aché, Merceditas Valdés, y al maestro Gonzalo Roig.·      Fuentes y archivos:Textos de Zenovio Hernández Pavón (Compositores cubanos), Alicia Valdés Cantero (Diccionario de mujeres notables en la música cubana), Cristóbal Díaz Ayala (Enciclopedia discográfica de la música cubana) y Gaspar Marrero (La Reina de las Charangas).Colección fonográfica de Fernando Agüeros. Haz clic en el enlace de abajo para enviarnos tus comentarios o anécdotas a través de nuestro Fan Mail.

What if the way your business accepts payments is quietly hurting your cash flow?In this episode of B2B Vault, Alan Kopelman sits down with a payments expert to discuss the hidden costs of B2B payment terms, why many businesses unknowingly act as lenders to their customers, and how smarter payment strategies can improve profitability.Learn how payment automation, virtual cards, ACH, rules-based payment acceptance, and modern invoicing tools are helping businesses get paid faster, reduce processing costs, and improve working capital. Whether you're a business owner, CFO, controller, or finance professional, this conversation offers practical insights you can implement immediately.Tune in to discover how a well-defined payment policy can strengthen cash flow, reduce risk, and create a better payment experience for both buyers and suppliers.#B2BPayments #CashFlowManagement #PaymentAutomation #VirtualCards #BusinessFinance #AccountsReceivable #Fintech #B2BVault #NationwidePaymentSystems #WorkingCapital #BusinessGrowth #PaymentStrategy

➡️ Kostenlose Piraten-Geschichte: https://www.hallolernen.de/piratengeschichte/❤️ Der Zehnerübergang wird erst dann leicht, wenn Kinder die verliebten Zahlen wirklich im Kopf haben.

Wir beginnen mal wieder eine Reihe zu Legends-Büchern. Nach der Thrawn-Trilogie und der Hand von Thrawn-Trilogie, gehen wir mal weg von blauen Wesen. Stattdessen geht es um Darth Bane, den sogenannten Schöpfer der Dunkelheit und Begründer der Regel der Zwei. Anlässlich der Neuveröffentlichung der Trilogie durch Blanvalet in diesem Jahr wird es auch Zeit, im JediCast mal über diese bekannten Werke zu sprechen. Und Ines, Matthias und Tobias wurden keinesfalls enttäuscht. Langweilig oder gar beiläufig ist an diesem Werk nichts. Im Podcast geht es um die Rolle der Bruderschaft der Dunkelheit als Zuschauer ihres eigenen Untergangs. Es geht um die Frage, wie grandios es der Roman schafft, die Dunkle Seite darzustellen und ihre Benutzung mit mehr als reinem Hass zu verbinden. Zuletzt geht es um nichts weniger als einen anderen Blick auf all die anderen Sith-Lords, die wir jahrelang in Romanen, Serien und Filmen gesehen haben. Wenn das alles nur nicht so schnell gehen würde... Zeitmarken 00:00:00 - Begrüßung 00:02:26 - Erste Berührungspunkte mit dem Werk 00:07:15 - Um was geht es eigentlich? 00:07:58 - Die größte Stärke 00:11:40 - Wird es noch besser? 00:13:35 - Spoiler ab hier: Die Handlung 00:16:36 - Böse Mine zum guten Spiel 00:24:29 - Bruderschaft (in) der Dunkelheit 00:32:26 - Banes Achterbahn der Reputation 00:47:52 - Wie böse hätten sie es gerne? 00:59:32 - Schrödingers Githany 01:05:49 - Hoth und Half-Bothan 01:16:41 - Die Gedanken sind frei 01:25:36 - Speedrun zum Sith 01:33:17 - Popcorn oder Philosophie-Seminar? 01:36:25 - Ach ja, da fehlt ja noch ne Schülerin 01:39:26 - Fazit Blick in die Datenbank Zur Werksübersicht von Darth Bane: Schöpfer der Dunkelheit, geschrieben von Drew Karpyshyn Der Roman erschien erstmals am 26. September 2006 auf Englisch bei Del Rey. Im Jahr 2021 folgte eine Neuveröffentlichung im Zuge der Essential Legends Collection. Am 22. April 2026 wurde das Werk auch in Deutschland mit neuem Cover neu veröffentlicht. Zudem erschien am 20. April 2026 erstmals eine deutschsprachige Hörbuchversion, gelesen von Richard Barenberg. Die Rezensionen Maximilian hat die Taschenbuchausgabe aus dem Jahr 2014 rezensiert und dabei vor allem die Einsteigerfreundlichkeit des Werks gelobt. Er resümierte: "Es gibt eine Reise durch die Galaxis, in einem gewissen Grad wird die Vorgeschichte zu Episode I erklärt und es wird kaum bis gar kein Vorwissen benötigt, um die Handlung zu verstehen." Tobias hat sich das Werk im Zuge der Neuauflage von Blanvalet genauer angeschaut und sich oftmals etwas überwältigt gefühlt von all der Handlung, die dort in kürzester Zeit erzählt wird. Trotzdem oder gerade deswegen hatte er Spaß mit dem Werk und schreibt: "Alle Fans der Alten Republik, von Videospielen wie eben KOTOR oder SWTOR oder schlicht Geschichten rund um die Sith und deren Ab- und Aufstieg, machen mit diesem Buch in keinem Fall etwas falsch. Es ist durch seine schnelle Erzählung extrem kurzweilig und motiviert zum Weiterlesen – so zumindest bei mir." Den JediCast abonnieren Wir sind auf allen gängigen Podcast-Plattformen vertreten! Abonniert uns also gerne auf Spotify, Apple Podcasts, Google Podcasts (etc.) oder fügt bequem unsere Feeds in euren präferierten Podcast-Player ein. Alle Links dazu findet ihr oben unter dem Player verlinkt sowie auch jederzeit unter dem Audioplayer in der rechten Sidebar. Wir freuen uns auch immer über Bewertungen auf den jeweiligen Podcast-Seiten. Falls ihr umfangreichere Anmerkungen habt, schreibt auch gerne eine Mail an podcast@jedi-bibliothek.de! Unsere Arbeit unterstützen Wir haben einen Buymeacoffee-Link. Darüber könnt ihr uns einmalig einen gewünschten Geldbetrag zukommen lassen. Damit setzen wir dann Gewinnspiele, Convention-Auftritte oder technische Ausstattung für unser Projekt um. Danke für eure Unterstützung! Eure Meinung Wie hat euch der erste Band der Darth Bane-Trilogie gefallen? Habt ihr sie bereits damals gelesen oder holt ihr jetzt auch mit der Neuauflage bei Blanvalet auf? Welche Momente blieben euch in Erinnerung und hat der Roman auch eure Sicht auf den Einsatz der Dunklen Seite in anderen Medien beeinflusst?

 EPISODE DESCRIPTION I sat down with Firas Isa, the founder of Crypto Dispenser, a bootstrapped and profitable company that has been quietly building Bitcoin on-ramp infrastructure since 2017. Firas started with a single Bitcoin ATM, partnered with GreenDot Bank to place cash deposit points across 100,000 retail stores like CVS and Walmart, and has grown to over 100,000 registered users , all without taking a penny of outside investment. In this conversation, we dig into why cash is still the purest way to buy Bitcoin, the brutal reality of getting bank accounts shut down repeatedly, and why Firas believes Bitcoin is the world's most peaceful revolution against currency debasement. If you have ever wondered how to buy Bitcoin without going through a big exchange, or you are a founder trying to understand what it actually takes to survive a decade in the crypto space on a bootstrap budget, this episode is for you. DISCLAIMERNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Be a guest on the podcast or contact us - https://www.web3pod.xyz/ CONNECT Crypto Dispenser Website:https://www.cryptodispensers.com/Crypto Dispenser Twitter/X: https://x.com/cryptodispenserFiras Isa LinkedIn: https://www.linkedin.com/in/firas-isa/Web3 with Sam Kamani Podcast: https://www.web3pod.xyz KEY POINTS WITH TIMESTAMPS • [00:01] Sam introduces Firas Isa and Crypto Dispenser , a bootstrapped, profitable Bitcoin on-ramp with 100K+ users• [01:43] Firas explains how Crypto Dispenser started in 2017 with one Bitcoin ATM and has since pivoted to an online platform supporting debit, credit, ACH, wire, and PayPal• [02:32] Firas shares his origin story , studying political science at Loyola University and learning about money printing, the petrodollar, and empire collapse• [05:30] Discussion on the US gold standard, the Federal Reserve, and Voltaire's warning that fiat currency eventually goes to zero• [10:19] How Bitcoin Pop (Bitcoin Point of Payment) works , generating a barcode inside the Crypto Dispenser account and loading cash at CVS, Walmart, or Walgreens• [12:19] Why Crypto Dispenser is non-custodial and why that matters , users own their Bitcoin the same day they buy it• [13:43] Why cash remains the only true way to buy Bitcoin without relying on the traditional banking system• [20:34] The brutal reality of maintaining bank accounts as a crypto startup , banks shutting them down every six to eight months• [23:23] The rise of neo-banks like OneSafe (backed by Coinbase) and how they have helped but still face the same de-risking pattern• [26:13] How Crypto Dispenser differentiates through hands-on customer support against giants like Coinbase and Strike• [30:56] Trends Firas is watching , prediction markets like Polymarket and Kalshi, and what they say about younger generations seeking financial freedom• [37:46] Firas's vision for the next two to three years , scaling the business, potentially bringing on VC capital, and continuing to grow organically• [39:15] North Star metrics , 100K registered users, approximately 2,000 monthly paying users• [41:45] Firas's ask , give Bitcoin a chance, and reach out if you are a developer or investor who wants to help scale

Nacha Phase 2 hits every company that originates ACH payments — even small Accounts Payable teams that previously had zero monitoring requirements in their accounting and accounts payable process. The impact is operational, technical, and compliance driven. We should all be talking about this – but sadly, I am once again marching to the beat of my own drummer – by myself … although at least this time I am not completely alone. Nandan Avanganti, founder of Vantirs, is joining me today to talk about a new initiative that will create more work for your accounts payable teams – but is a necessity, if you want to continue making ACH payments. #achpayment #Bachaphase2 #fraudfalsepretense Watch next: Accounts Payable Policy and Procedures Manual FAST! https://youtu.be/8qKncMoHF4w Subscribe for more tips and insights like this: https://www.youtube.com/APNow?sub_confirmation=1 Looking for more of the most current business intelligence about + Best practices around your payment and accounts payable function + Current and new fraud protection protocols + The newest technology impacting your accounting, accounts payable, and payment functions + Career advancement +And much more!! +++++++++++++++++++++++ See most recent videos at: https://www.youtube.com/@APNow/videos See all short tips at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-He5ELp9TP3wqQdHIbfIcFAB Learn more about AP Best Practices; Playlist at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-HcvMSJTdNs0BCQJ0Ivb4l9V Learn more about Internal Controls in AP; Playlist https://www.youtube.com/playlist?list=PLtL6rWSXZ-HdV9JIterJ-bf6TwMset_z_ Looking for Automation insights: Playlist at: https://www.youtube.com/playlist?list=PLtL6rWSXZ-Hf_cZwQOcDZrYV4dA0oDVby New ACH payment requirements are impacting how businesses originate transactions. Watch this update to ensure your team maintains compliance and operational readiness. This breakdown covers the critical shifts in ACH origination procedures that affect companies of all sizes. If you work in finance or manage an accounts payable team, these updates are essential to avoid processing errors and maintain smooth payment operations. We focus on the specific technical and compliance hurdles that organizations must navigate immediately to align with the latest industry standards. Understanding these ACH payment requirements is vital for anyone responsible for handling electronic funds transfers. By implementing these adjustments now, you can mitigate the risk of payment rejection and operational disruption. We break down the practical steps needed to update your internal workflows and stay ahead of the latest ACH rules. Subscribe for weekly payment operations breakdowns, and comment below on which compliance topic you want covered next.

JA heute wird über Kreuzfahrten geredet.   Ach ja und es ist evtl die Japanische Marine          Links: https://www.youtube.com/watch?v=iisSvFrPF8M https://www.youtube.com/watch?v=QTZKsaNWZ9o https://en.wikipedia.org/wiki/Friend_of_Dorothy https://www.vanillaswingers.com/swinger-signs-if-you-see-pineapples-get-ready-for-fun/ https://swingerkreuzfahrten.com/europa/ https://www.erotravel.de/veranstaltung/desire-mittelmeer-kreuzfahrt-04-11-05-2024/ https://www.erotravel.de/veranstaltung/llv-donau-flusskreuzfahrt/ https://www.meinschiff.com/de/eventreisen/rainbow-cruise https://www.gaytrotter.de/spartacus-cruise-2027/ https://www.olivia.com/ https://www.rightofcenterevents.com/events-2 https://www.reddit.com/r/thebulwark/comments/1t3hghf/i_was_on_the_innauguaral_lgbt_conservative_cruise/ https://www.youtube.com/watch?v=2ibvx-OQROU    

Ozeáš 1,1-9 1 Slovo Hospodina, ktoré prehovorilo k Ozeášovi, synovi Beeriho, v období judských kráľov Uzziju, Jotáma, Acháza a Chizkiju a v čase izraelského kráľa Jarobeáma, Joášovho syna. 2 Začiatok Hospodinovej reči prostredníctvom Ozeáša. Hospodin povedal Ozeášovi: „Vezmi si smilnú ženu a maj deti zo smilstva, lebo krajina strašne smilní, odvrátila sa od Hospodina.“ 3 Vzal si teda Gomer, dcéru Diblajima. Tá počala a porodila mu syna. 4 Vtedy mu Hospodin povedal: „Daj mu meno Jezreel, lebo onedlho potrestám dom Jehuov za krviprelievanie v Jezreeli a potom urobím koniec kráľovstvu Izraela. 5 V ten deň zlomím luk Izraelov v údolí Jezreel.“ 6 Potom opäť počala a porodila dcéru. Vtedy mu povedal: „Daj jej meno Neomilostená, pretože už viac nebudem mať súcit s domom Izraela — veľmi sa mi protivia. 7 Nad domom Júdu sa však zľutujem a prídem im na pomoc ako Hospodin, ich Boh, ale nie s lukom a mečom ani s koňmi so záprahom, teda nie bojom.“ 8 Potom, čo odstavila Neomilostenú, počala a porodila syna. 9 Vtedy povedal: „Daj mu meno Nie môj ľud, lebo vy nie ste mojím ľudom a ja nie som vaším Bohom. Ako sa cítite, keď niekto zradí vašu dôveru? To je podľa mňa to najhoršie, čo človek môže cítiť. Myšlienku, že ste s niekým počítali a on vás sklamal, je ťažké odhaliť. Najmä vtedy, keď by ste im dali čokoľvek, urobili pre nich čokoľvek, boli by ste tu vždy pre nich. Nikdy by ste ich nesklamali. A práve tieto myšlienky rozvádza kniha Ozeáš. Vidíme muža s nevernou manželkou… a deťmi, ktoré pravdepodobne nie sú jeho… Celá táto situácia je veľmi tragická… Pre proroka – veľmi srdcervúca. Ozeáš nám predstavuje príbeh o manželstve, ktorý použil ako podobenstvo vo svojom kázaní. Pán Boh ako manžel. Nevernou manželkou je Izrael. No pokojne si tam môžeme doplniť aj seba. Možno sme boli práve takíto vo svojom živote. Boh nás však miluje aj v tom najhoršom. Nepozeral sa na nás ružovými okuliarmi. Vedel o najhorších veciach, ktoré sme kedy urobili – o veciach, o ktorých dúfame, že sa to nikto nikdy nedozvie a na ktoré sa hanbíme čo i len pomyslieť… A predsa nás miluje. Občas pred Ním utekáme. Naďalej sme Mu neverní. No Boh sa nás len tak nevzdá. Čistí nás, približuje nás k Sebe a nikdy, nikdy sa nevzdáva. Toto je Božia láska k nám dnes. Modlitba: Pane, Ty nás najlepšie poznáš, vidíš, čoho všetkého sme schopní. Odpusť nám a veď nás aj dnes cestou lásky! Amen. Pieseň: ES 509 Autor: Tibor Molnár Prikázal som ti predsa: „Buď silný a odvážny, nestrachuj sa a nezúfaj!“ Jozue 1,9 Pavol píše: „Ba sami nad sebou sme prijali ortieľ smrti, aby sme dôverovali nie sebe, ale Bohu, ktorý kriesi mŕtvych. On nás vyslobodil a ešte vyslobodí z takého veľkého nebezpečenstva smrti; v Neho dúfame, že nás vždy znovu vyslobodí.“ 2.Korinťanom 1,9-10 Ján 21,15-19 •  Modlíme sa za: Slavošovce (GeS) Otázky na rozjímanie: Ako dnes vnímam Božiu lásku v mojej nevere — či som si vedomý/á, že Boh nás pozná v našich najhorších veciach, a predsa nás miluje a neustáva nás čistiť a približovať k Sebe? Kde v mojom živote som ako neverný Izrael — či utekám pred Bohom, som Mu stále neverný/á, alebo som ochotný/á sa vrátiť a byť znova Jeho ľudom? Ako dnes odpovedám na Božiu lásku, ktorá „sa nás len tak nevzdá“ — či žijem z istoty, že On ma nikdy neopustí, alebo stále dúfam vo vlastnú silu a zásluhy? Aplikácia do života: Dnes si spomeňte na jednu situáciu, kde ste zažili Božiu lásku aj v svojej nevere. Napíšte si jednu modlitbu, kde sa vyznávate svojej nevery a vďačíte za Božiu milosť. Potom urobte jeden krok vrátenia sa k Bohu: čítanie Slova, modlitba, alebo vyznanie hriechu pred niekým. Dnes som vďačný za tieto 3 veci: _________________________________ _________________________________ _________________________________ Viac o vďačnosti, čo to je, prečo je dôležité byť vďačný, ako praktizovať vďačnosť nájdeš na blogu

Send us Fan MailI sat down with Victor Cardenas, Co-Founder and CEO of Slash, one of the fastest growing fintechs in America that went from $10M to $300M in annualized revenue in 24 months And just crossed a $1.4 billion valuation after a $100M Series C led by Ribbit Capital, Khosla Ventures and Goodwater Capital. The company powers over $30Bn in annualized payment volume across wires, ACH, stablecoin, and card for over 5,000 businesses. Victor is a Venezuelan immigrant, Stanford dropout, and Thiel Fellow. He started Slash at 19 serving sneaker resellers, lost 60% of his revenue almost overnight, and rebuilt the company into a rocketship by betting on vertical banking. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join ~85,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: https://bit.ly/3jWIpqp

What happens when healthcare leaders, innovators, and technology experts gather around a single mission: keeping patients at the center of every decision?At the Patient at the Center Symposium, hosted under the Straight Outta Health IT program, Christopher Kunney guided a series of conversations with healthcare leaders, innovators, and executives focused on redefining patient-centered care. The event featured Eugene Greyfer, founder and CEO of Advocaid and Chief Operating Officer at Veritas Health Services, who shared how his work in Texas Medicaid exposed a critical gap in access to diabetic supplies. He explained how Advocaid combines connected hardware and software, including a dual blood pressure and glucose monitoring device with built-in cellular connectivity, to help underserved patients transmit real-time health data to providers, fully covered through Texas's remote patient monitoring (RPM) program.The symposium then expanded into broader system-level innovation with Jeffrey Heenan-Jalil, founder and CEO of hunterAI, who entered healthcare innovation after losing his brother to cancer and now focuses on healthcare financial transparency through AI-driven spend analytics. He described how his platform analyzes millions of transactions across hospital systems to identify inefficiencies, duplicate payments, and misaligned supplier contracts, with the goal of returning value back into hospital systems for reinvestment in patient care. Mitali Paul, Administrator for the Department of Surgery at Houston Methodist and board member of the Southeast Texas chapter of ACH, emphasized that patient-centered care is not a philosophy but an operational standard, reflected in her organization's nationally recognized outcomes and commitment to quality, compassion, and culturally competent care.Additional perspectives came from Ini Ekiko Thomas, Vice President at Memorial Hermann Health System and leader of its Innovation Hub, who highlighted the challenges startups face when working with large health systems, particularly around compliance, cybersecurity, vendor vetting, and aligning technology to real clinical or operational problems rather than “shiny object” solutions. Finally, event organizers Brittany Jones and Verndon Samuel of Gozio Health, alongside Josh Sol of FTI Consulting, explained that the symposium's purpose was to bridge the gap between providers, IT leaders, and innovators in a local setting where real collaboration could occur beyond large national conferences.Tune in to hear how today's healthcare leaders are turning innovation into real-world impact by putting patients at the center of everything they do! ResourcesConnect with Jeffrey Heenan-Jalil on LinkedIn here.Follow hunterAI on LinkedIn here and visit their website here.Connect with Mitali Paul on LinkedIn here.Follow Houston Methodist on LinkedIn here and visit their website here.Connect with Ini Ekiko Thomas on LinkedIn here.Follow Memorial Hermann on LinkedIn here and visit their website here.Connect with Brittany Jones on LinkedIn here.Follow Gozio Health on LinkedIn here and visit their website here.Connect with Josh Sol on LinkedIn here.Follow FTI Consulting on LinkedIn here and visit their website here.

Karl der Kampf-KnarlKinder, diese Folge müsst ihr hören! Editing Josh gibt alles! Aber der Reihe nach: Harry und seine Schulkameraden sind weiterhin mitten in den ZAG-Prüfungen. Die nächste Prüfung ist Zaubertränke. Und zu Harrys Überraschung ist das gar nicht so schlimm – wenn Snape ihm nicht die ganze Zeit das Leben zur Hölle macht.Dann kommt die mit Abstand beste Prüfung: Pflege magischer Geschöpfe. Hier treffen wir auf ein sehr misstrauisches Wesen: den Knarl. Der ist so misstrauisch gegenüber Milch, dass er komplett ausrastet und Harry eine reinhaut. So stellen wir uns das zumindest vor.Darauf folgt die theoretische Astronomie-Prüfung. Und hier ist ein krasser Fehler im Text. Ein Glück für uns, denn das bringt uns die erste Folge „Editing Josh“. Sehr spannend!Passiert sonst noch was? Ach ja, Wahrsagen ist noch und die praktische Astronomie-Prüfung. Doch während der Prüfung in der Nacht auf dem Turm wird Harry Zeuge eines entsetzlichen Geschehens.Was das ist? Da müsst ihr wohl die neue Folge hören.Und jetzt viel Spaß beim Zuhören!Hier geht's zu unserem Whatsapp-Kanal: https://whatsapp.com/channel/0029VbB8C00CRs1obJUivo2ZWir haben auch eine Patreon-Seite!Schaut doch mal vorbei, es gibt Bonus-Episoden, Sticker und andere aufregende Dinge! Besucht uns auf den sozialen Netzwerken, unserer Webseite und erzählt euren Freunden von uns! Vielleicht haben die ja auch Lust auf einen Harry-Potter-Podcast!Patreon: www.patreon.com/happypotterDiscord: discord.gg/QpJfFSXY73Facebook: www.facebook.com/happypotterpodcastInstagram: @happypotterpodUnd wir haben jetzt auch Playlists mit unseren Lieblingssongs:Martins Playlist:https://open.spotify.com/playlist/2IBxDsPVm1UdNBiW2QkgEJ?si=rU6HLkoFQfGGjvab8g8yEQ&pi=e-bKuIHap7RWCuSophias Playlist:https://open.spotify.com/playlist/0kuOP0TujMhrqOWzLwUH1O?si=9LIZkc2nQTOajHPaqpP_RA&pi=e-tc6w0NgQRo-WFilius Flitwick empfiehlt diesen Podcast! (Angeblich.)Wer das liest, ist bezaubernd.

Der Platzwart trifft den Tiete, dieses Mal außer der Reihe in einer Garderobe des GOP. Wir wundern uns, dass bei Hannover so wenig passiert – außer im Trainerteam. Chef-Coach hatte sich zum Abschluss der vorigen Saison über mangelnden Zusammenhalt im Trainerteam beschwert, jetzt werden Fakten geschaffen. Der kritische Lars Barlemann wird neuer U23-Trainer. Kommt also Titz nicht mehr in die Quere. Der erst 27-jährige Clemens Döring wird neuer Co-Trainer von Titz. Neuer Athletiktrainer wird Jannik Kirchenkamp, den Titz aus Magdeburger Zeiten kennt. Dazu der erste echte Neuzugang, Jean Hugonet. Auch aus Magdeburg. Droht Hannover 96 die Magdeburgisierung? Droht eine Ja-Sager-Mentalität bei Hannover 96? Ach ja, ein paar Neuzugänge gibt es dann doch – genau genommen sind es 40.000, gemeint sind die neuen Sitzplätze im Stadion. Gibt's auch echte Neuzugänge? Podwart hören!

Heute bei den JAN ULLRICH ULTRAS… ein Mann, der früher Attacken gefahren ist, als hätte jemand beim Frühstück gesagt: „Jens, vorne gibt's gratis Kuchen.“Ein Fahrer, der so oft in Ausreißergruppen war, dass man irgendwann dachte, das Peloton sei eigentlich nur noch seine verlängerte Familie auf Abstand.Und eigentlich hätten wir diese Folge schon vor ein paar Wochen aufnehmen sollen.Damals lief noch der Giro. Wir wollten mit ihm über den aktuellen Rennverlauf sprechen, erste Tour-Tendenzen besprechen und ein bisschen in die Glaskugel schauen.Dann kam das Leben dazwischen. Oder wie man im Radsport sagt: ungeplante Streckenänderung.Jetzt sitzen wir endlich zusammen. Der Giro ist Geschichte, die Trikots sind vergeben, die Beine einiger Fahrer vermutlich immer noch nicht wieder ganz hergestellt – und plötzlich sind wir keine fünf Wochen mehr vom Start der Tour de France entfernt.Und dafür gibt es eigentlich keinen besseren Gast als Jens Voigt.Nicht einfach nur Kommentator. Sondern Eurosport-Experte. Der Mann, der während der Etappen oft hinten auf dem Motorrad sitzt, mitten durchs Rennen fährt, Infos einsammelt, Fahrern ins Gesicht schaut und wahrscheinlich näher am Geschehen ist als manche Sportdirektoren.Während wir bei einer WhatsApp-Sprachnachricht auf dem Fahrrad schon Angst haben, in einen Busch zu fahren, hängt Jens irgendwo zwischen Teamwagen, Spitzengruppe und Alpenpass und meldet dann ganz entspannt:„Ja, vorne wirkt's gerade etwas nervös.“Ach was.Wir sprechen heute natürlich über seine Karriere. Über Siege, Schmerzen, legendäre Fluchten und das Leben im Peloton. Aber auch darüber, wie sich der Sport verändert hat und wie er den modernen Radsport erlebt – erst als Profi und heute als einer der besten Beobachter des Geschehens.Natürlich schauen wir auch zurück auf den Giro. Wer überrascht hat, wer enttäuscht hat und welche Erkenntnisse wir mit Blick auf den Sommer mitnehmen können.Und dann geht der Blick nach vorne.Die Tour de France steht vor der Tür. Die Formkurven steigen. Die Trainingsdaten werden geheim gehalten wie Staatsgeheimnisse. Und irgendwo lädt wahrscheinlich gerade schon wieder jemand eine Einheit auf Strava hoch, die normale Menschen beim Lesen leicht nervös macht.Kurz gesagt:Es wird lustig.Es wird nerdig.Es wird nostalgisch.Und wahrscheinlich die einzige Folge Deutschlands, in der gleichzeitig über Windkanten, Motorräder im Rennstress, legendäre Ausreißversuche und die Tour-Favoriten 2026 gesprochen wird.Schön, dass ihr da seid.Viel Spaß mit den JAN ULLRICH ULTRAS – und jetzt rein in die Folge mit Jens Voigt!

In this episode of B2B Vault, Alan Kopelman sits down with Adam Spector, a four-time founder, investor in 200+ companies, and founder of HireChore.com.Discover why payroll, HR, compliance, bookkeeping, and other back-office tasks are silently slowing down business growth. Adam explains how outsourcing and AI are transforming entrepreneurship, helping founders reclaim their time, reduce risk, and focus on what truly drives revenue.If you're a startup founder, small business owner, or entrepreneur looking to scale smarter, this episode is packed with actionable insights.#Entrepreneurship #SmallBusiness #StartupGrowth #Outsourcing #AI #BusinessOwner #Leadership #B2BVault

Nachdem die Hughes-Brüder Albert und Allen mit Menace II Society (1993) einen Hit inszeniert hatten, der sowohl Publikum als auch Kritikerschaft begeisterte, wurden sie ausgerechnet von Disney bzw. dessen Konzerntochter Hollywood Pictures mit Geld beschmissen, um ihren ambitionierten Coming-of-Age-Schrägstrich-Kriegsdrama-Schrägstrich-Actionthriller Dead Presidents (1995) auf die Leinwand zu bringen. Und obwohl der wüste Genremix nicht nicht in jeder Minute dramaturgisch überzeugen kann, hat er doch so viele irre Ideen, grandiose Bilder und ein Ensemble zum Niederknien, um Patrick und Franz auch Jahrzehnte nach dem ersten Videothekenkontakt zu begeistern. Ach ja, und für die Gorebauern (50 Prozent der heutigen Podcastbesetzung mitgedacht) gibt's auch noch explodierende Körper und abbe Köppe galore!

Körper und Psyche beeinflussen sich gegenseitig — oft stärker, als wir denken. Ab dem 10. Juni sprechen wir in der neuen Staffel von „Ach, Mensch!“ mit Forschenden über Stress, Resilienz, neue Therapieansätze und die Frage, was Menschen gesund hält. „Ach, Mensch!“ ist eine Kooperation mit der Max-Planck-Gesellschaft. detektor.fm-Redakteurin Jessica Hughes spricht im Podcast regelmäßig mit verschiedenen Forscherinnen und Forschern – über ihre Geschichte und über ihre Arbeit, über das, was sie wissen, und das, was sie (noch) nicht wissen. ➡️ Artikel zum Nachlesen: https://detektor.fm/wissen/ach-mensch-koerper-psyche

John Kairys is the Executive Director of the Automotive Aftermarket Charitable Foundation (AACF), a position he has held for the past two and a half years. Before stepping into the role, he served on the AACF board, giving him deep organizational context from both a governance and operational standpoint.Kairys brings more than 40 years of experience in the automotive aftermarket to the foundation. He is a consistent presence at industry conventions, trade shows, and annual meetings; including Auto Care Connect and the APSG, working to raise awareness of the AACF across every segment of the aftermarket.In this episode…Most shop owners know their employees by name. They know who just had a baby, who's been with the shop for fifteen years, who's holding things together and who's quietly struggling. What they don't always know is what happens to that person when a car accident totals their vehicle, a house fire displaces their family, or routine back surgery leaves them unable to walk.The automotive aftermarket has a safety net built specifically for those moments. It isn't workers' comp. It isn't a GoFundMe. It's a 501(c)3 nonprofit with a 29-person volunteer board, a mid-90s approval rate, and a five-day window from application to ACH deposit. The people it helps aren't just technicians and counter staff; they're marketing managers, warehouse drivers, and executives. Anyone employed in the aftermarket qualifies, whether the hardship is work-related or not.John Kairys runs that organization. He's spent two and a half years as Executive Director making sure shop owners and their employees know it exists because awareness is still the AACF's biggest obstacle.Here's a glimpse of what you'll learn: [01:01] Meet John Kairys, Executive Director of the AACF[02:15] Who qualifies and what hardships the AACF covers[06:01] The annual Classic Car Sweepstakes: How to donate and enter[07:54] Stories of hope: A routine surgery that changed everything[12:42] Stories of hope: A totaled vehicle, then a house fire two weeks later[15:39] Corporate giving, sponsorships, and the annual SEMA fundraiser[19:28] Two paid staff, a 29-member board, and how to connect[22:14] The Aftermarket Hearts Giving Circle: Recurring giving for industry insidersResources mentioned in this episode:Automotive Aftermarket Charitable Foundation WebsiteJohn Kairys on LinkedInTread PartnersGain Traction Podcast on YouTubeGain Traction Podcast WebsiteMike Edge on LinkedInQuotable Moments:"We like to say we take care of our own.""Our biggest challenge is awareness, and that is getting people to know who we are and what we do.""The AACF is the on-ramp to the freeway of recovery.""After losing so much so quickly, the AACF gave me hope and a way to start over."  — AACF recipient, shared by John Kairys"God forbid, if ever you need that help, the AACF will be there for you."Action Steps:Share the AACF with your team this week. Send an internal message or post a one-pager in your break room with the link to aftermarketcharity.org. Make a corporate donation or explore sponsorship. The automotive aftermarket charitable foundation is a 501(c)3, meaning contributions are tax-deductible. Sign up for the Aftermarket Hearts Giving Circle. Recurring donations start at $5 a month.Add AACF to your employee onboarding materials. The application is at aftermarketcharity.org, reviewed within 24 hours, and results in a direct ACH deposit within five days.Attend the SEMA events if you're in Las Vegas. Reach out to John Kairys directly through the leadership page at aftermarketcharity.org to get involved.

Körper und Psyche beeinflussen sich gegenseitig — oft stärker, als wir denken. Ab dem 10. Juni sprechen wir in der neuen Staffel von „Ach, Mensch!“ mit Forschenden über Stress, Resilienz, neue Therapieansätze und die Frage, was Menschen gesund hält. „Ach, Mensch!“ ist eine Kooperation mit der Max-Planck-Gesellschaft. detektor.fm-Redakteurin Jessica Hughes spricht im Podcast regelmäßig mit verschiedenen Forscherinnen und Forschern – über ihre Geschichte und über ihre Arbeit, über das, was sie wissen, und das, was sie (noch) nicht wissen. ➡️ Artikel zum Nachlesen: https://detektor.fm/wissen/ach-mensch-koerper-psyche

Ár gcéad aoi ón Astráil! Ghlac David The Medium sos óna chamchuairt le bualadh isteach linne agus insint dúinn faoina chuid oibre mar psychic medium - how he started, how it feels to read a spirit who has crossed over, and the wild events he has predicted. Ach ba bhreá linn cloisteáil uaibh féin ar an ábhar seo! Are you a sceptic, a believer, on the fence? An bhfuil aon taithí agaibh ar bheith ag freastal ar mediums, nó an bhfuil medium eile i bhur measc? Bígí i dteagmháil. Sponsored by Fáilte Ireland. Déan plean dod' shaoire ghearr ag DiscoverIreland.ie.  HOW TO GAEL: LE GEALAÍ Baile Átha Cliath: ⁠⁠https://www.ticketmaster.ie/how-to-gael-dublin-05-04-2026/event/1800638AD058E413⁠⁠ Bí i dteagmháil linn! Ríomhphost: ⁠⁠howtogael@gmail.com⁠⁠ Suíomh: ⁠⁠https://www.howtogael.com/⁠⁠ Instagram: ⁠⁠https://www.instagram.com/howtogael/⁠⁠ TikTok: ⁠⁠https://www.tiktok.com/@howtogael Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode explores how modern payment infrastructure powers fintech companies, utilities, banks, governments, and enterprise brands behind the scenes.Seth Farbman and Louis Hoch discuss how Usio, Inc. evolved from a dot-com era electronic billing company into a diversified payments infrastructure business processing billions of dollars across ACH, card issuing, embedded payments, and disbursements.If you're building a company in this ever-changing market environment this conversation is for you.Seth's CompaniesVstock Transfer – https://www.vstocktransfer.com/Share Media – https://www.sharemedia.co/Listen to the ShowApple Podcasts – https://podcasts.apple.com/us/podcast/seth-farbman-on-podcast-from-startup-to-stock-exchange/id1356667808Spotify – https://open.spotify.com/show/54i7xkWaAALAFrUvk4WZcNConnect with SethLinkedIn – https://www.linkedin.com/in/sethfarbman/Instagram – https://www.instagram.com/sethfarbmanstockTikTok – https://www.tiktok.com/@sethfarbmanTwitter (X) – https://x.com/sethfarbman1About the ShowFrom Startup to Stock Exchange, hosted by entrepreneur and investor Seth Farbman, spotlights the journey of founders and CEOs as they scale their companies from early ideas to public markets. Each episode features candid conversations with leaders across industries, offering insights on growth, fundraising, branding, and the mindset it takes to build a company that lasts.Connect with Seth LinkedIn – https://www.linkedin.com/in/sethfarbman/ Instagram – https://www.instagram.com/sethfarbmanstock TikTok – https://www.tiktok.com/@sethfarbman Twitter (X) – https://x.com/sethfarbman1

Send us Fan MailI don't know if you've noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Nach einem holprigen Start mit der US-europäischen Co-Produktion FLESH + BLOOD (1985) fasste Paul Verhoeven mit seinem englischsprachigen Zweitling ROBOCOP (1987) so richtig Fuß in Hollywood – und im Rest der Welt. Nicht nur ließ die actionreiche SciFi-Satire die Kinokassen klingeln, auch die Kritikerschaft zeigte sich begeistert und machte den umtriebigen Niederländer zum gefeierten wie begehrten Regisseur für starbesetzte Filmprojekte. Und größer als eine Zusammenarbeit mit Arnold Schwarzenegger konnte es in Hollywood anno 1990 kaum werden, weswegen sich auch die Philip K. Dick-Verfilmung TOTAL RECALL: DIE TOTALE ERINNERUNG (1990) wenig überraschend zum dicken Blockbuster mauserte. Das Verhoeven nicht nur großes Effektkino und kontroverse Satire perfekt beherrscht, sondern auch ganze Karrieren wie die von Rutger Hauer auf den richtigen Weg bringen kann, bewies er wiederum mit BASIC INSTINCT (1992). Dessen Erfolg wurde nicht für einige Jahre zum Maßstab für erotische Thriller und ebnete ganz nebenbei Newcomerin Sharon Stone den Weg zum Superstar-Status. Aber ihr mörderischer und grandios inszeniertes Koitus mit Michael Douglas war auch für einen mittelgroßen Skandal gut. Ach, Paul!

Er legt sich lieber mit Investoren an, statt Leute zu entlassen – und hat gemeinsam mit der Luxusmarke Audemars Piguet den wohl größten Hype der Uhren-Geschichte kreiert. Doch bevor Nick Hayek im OMR Podcast dazu kommt, zündet er erstmal genüsslich eine Zigarre an. Dann spricht der Swatch-Group-Chef über… ... die Royal-Pop-Kollaboration von Swatch und Audemars Piguet, Prügeleien vor den Stores und einen besorgten Anruf vom französischen Innenminister ... Konkurrenten von Rolex bis Apple – und warum er weder vor der Schweizer Luxusmarke noch vor der Smartwatch aus Cupertino Angst hat. ... seinen Knallhart-Kurs bei Promi-Geschenken: Ja, sogar VIPs müssen in den Swatch-Shop, wenn sie eine Uhr kaufen wollen ... Ach ja, eine eigene KI hat sein Unternehmen natürlich auch ausgetüftelt und der Chef von Marken wie Swatch, Omega und Tissot findet: Klappt besser als mit ChatGPT. Und falls du dich jetzt fragst: Hat der sie noch alle? Hör selbst…

Jaja. Ich weiß. Die Kuchen-, Torten- und überhaupt: Dessert- und Backfans warten immer auch mal sehnsüchtig auf längere Passagen in den Toast Hawaii-Begegnungen. Da hätten wir dieses Mal etwas anzubieten, einen großartigen Gast. Konditor, hochdekorierter Sternekoch, mehrfach ausgezeichnet als Patissier und Desserteur des Jahres, Juror bei „Das große Backen“, Christian Hümbs. In Oberhausen kam er zur Welt, vielleicht blinzelte er gleich ins warme Licht einer Dunstabzugshaubenleuchte, jedenfalls war früh klar, dass es sich bei einer Küche um sein natürliches Habitat handeln würde. In dieser Episode sprechen wir über Pi mal Daumen und seine Grenzen, Franzbrötchen, Gorgonzola und Hefe, Brüder, Großväter, Spaghettieis und Backöfen, Johann Lafer, das richtige Timing und natürlich über das Essen seiner Kindheit. Ach ja, und davon, wie gut Mangos und Erbsen zueinander passen. Wer hätte das gedacht? *** WERBUNG Toast Hawaii wird unterstützt von dmBio, die Bio-Lebensmittelmarke von dm-drogerie markt. Ganz nach dem Motto „Natürlich lecker erleben“ bietet dmBio mit mehr als 550 Produkten eine vielfältige Auswahl – von leckeren Snacks für zwischendurch bis hin zu original italienischen Tomatensaucen. Haben auch Sie eine dmBio-Geschichte, die im Podcast erzählt werden soll? Dann schreiben Sie uns gerne unter rustberlin@icloud.com ÖKO-Kontrollstelle: DE-ÖKO-007

Global payouts are evolving faster than ever.

Is cloch mhíle mhór í caoga bliain d'aois - fágann duine slán le ré amháin, agus cuireann sé tús le ré nua. ­ Ach ní hionann “caoga” an lae inniu agus an chiall a ba leis do na glúnta eile a tháinig romhainn. ­ Agus is fíor é sin, go háirithe i gcás Dháithí Uí Shé, agus a bhreithlá mór féin ag teannadh leis. ­ Le beagnach Tríocha bliain caite aige ar an scáileán teilifíse, is beag duine in Éirinn nach bhfuil aithne súl acu ar Dháithí. ­ Cad é mar a mhothaíonn sé i ndáiríre faoin chloch mhíle mhór seo? ­ Agus cad iad na ceachtanna saoil atá foghlamtha aige ar an aistear go dtí seo? ­ Ar Seachtain, labhair Dáithí le Tessa Fleming. ­ ­ Foclóir: ­ Na maidí a scaoileadh le sruth: To let things slide ­ I bhfaiteadh na súl: In the blink of an eye ­ Roic: Wrinkles ­ Maol: Bald ­ Ag tanú: Thinning ­ Ardteist: Leaving Cert ­ Máistir sorcais: Circus master ­ I ndiaidh a chéile: Back-to-back ­ Fir grinn: Clowns ­ Bliain agus leathchéad: 51 years ­ Caid: Football ­ Soineanta: Naive or innocent ­ Domhain: Deep ­ Teoraí: Guide ­ Gealgháireach: Cheerful ­ I gcló: Print ­ Lig do scíth: Relax ­ Póigín gréine: Freckle ­ Breoite: Sick ­ Is ball den trust project é Seachtain agus ba mhian linn go mbeidh muinín agaibhse ionainn. Is féidir ár mbeartas eitice a léamh ag independent.ie/ourjournalismSee omnystudio.com/listener for privacy information.

Eip éagsúil an tseachtain seo agus muid thall i Londain dár seó san Ambasáid ag an deireadh seachtaine, so what better time to discuss how to have a London weekend? Ach ar an chéad dul síos, we have important matters to address maidir lenár n-eip deireanach, especially Matthew McConaughey's actual height. We may have done him a disservice agus muid ag rá go bhfuil sé tiny... Sponsored by Fáilte Ireland. Déan plean dod' shaoire ghearr ag DiscoverIreland.ie.  Absolute Lilt - P Stands for Paddy https://youtu.be/fwkrlode1Ig?si=4LJMoWx7tD85NYeY HOW TO GAEL: LE GEALAÍ Baile Átha Cliath: ⁠⁠https://www.ticketmaster.ie/how-to-gael-dublin-05-04-2026/event/1800638AD058E413⁠⁠ Bí i dteagmháil linn! Ríomhphost: ⁠⁠howtogael@gmail.com⁠⁠ Suíomh: ⁠⁠https://www.howtogael.com/⁠⁠ Instagram: ⁠⁠https://www.instagram.com/howtogael/⁠⁠ TikTok: ⁠⁠https://www.tiktok.com/@howtogael Learn more about your ad choices. Visit podcastchoices.com/adchoices

Das war's mit der Bundesliga. Und leider auch mit Fortuna Düsseldorf

In this episode of the Finovate Podcast, host Greg Palmer sits down with Jensen Coonradt (CEO) and Simmi Sen (Chief Product Officer), the co-founders of Crebit, fresh off their Best of Show win at FinovateSpring 2026 in San Diego. Jensen and Simmi share their remarkable journey from high school friends meeting at a Bank of America scholarship program to leaving college to pursue Crebit full-time. Jensen brings his impressive background as a top 50 hacker globally and FX trading competition winner, while Simmi contributes her expertise in design and mobile app development, including an Apple WWDC award-winning app. Their complementary skills and shared passion for solving real-world financial problems have positioned Crebit as an innovative force in the cross-border payments space.Crebit is revolutionizing international money transfers by leveraging stablecoin technology to make sending money across borders as simple as sending a text message. The platform operates on a "stablecoin sandwich" method, allowing users to on-ramp funds using local payment methods (like PIX in Brazil, ACH in the US, or BRIBI in Colombia) to USDC stablecoin, which then settles to virtually any currency worldwide within 15 minutes. What sets Crebit apart is their behind-the-scenes approach—users experience seamless fiat-in, fiat-out transactions without needing to be crypto-native, while benefiting from up to 90% cost savings and dramatically faster settlement times compared to traditional cross-border payments. Additionally, Crebit offers innovative rate-locking features through forwards and options for emerging market currencies in LATAM, Africa, and Southeast Asia, where traditional banks struggle to provide such services due to illiquidity.The co-founders discuss their strategic focus on credit unions, a partnership opportunity that emerged from their attendance at FinovateFall 2025, where they connected with institutions like the University of Michigan Credit Union. They recognized that credit unions' member-focused philosophy aligns perfectly with Crebit's mission to serve international students and immigrants who need to convert currency for tuition payments and other expenses. With the recent passage of the Genius Act—the first federal law recognizing stablecoins as regulated money—Crebit is well-positioned to help credit unions and other financial institutions develop their stablecoin strategies. The company is currently piloting solutions with multiple credit unions and expanding their currency coverage while also maintaining their direct-to-consumer platform that originally helped international students with tuition and rent payments.More info:Crebit: https://www.crebitpay.com/; https://www.linkedin.com/company/crebit-pay/Jensen Coonradt: https://www.linkedin.com/in/jcoonradt/Simmi Sen: https://www.linkedin.com/in/simmi-sen/Greg Palmer: https://www.linkedin.com/in/gregbpalmer/Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/FinovateSpring: https://informaconnect.com/finovatespring/#Finovate #FinovateSpring #Banking #banks #creditunions #FX #remittance #stablecoins #payments #cx #digitaladoption #podcast #fintechpodcast #financialservices #innovation #digitraltransformation #fintech #finserv #modernization

In this episode of B2B Vault, we sit down with two inspiring high school students and founders of the AI Literacy Project to discuss the future of AI, education, deepfakes, online scams, and ethical technology.From teaching students and senior citizens about AI safety to helping people understand how AI is changing schools, jobs, and everyday life, these young leaders are making a real impact in the AI space.We discuss:• AI literacy and why it matters• Deepfakes and AI-generated scams• The dangers of misinformation• Why schools should teach AI instead of banning it• AI ethics and internet safety• The future of jobs and AI in the workforce• How students can use AI responsiblyThis episode is a must-watch for parents, students, educators, business owners, and anyone curious about the future of artificial intelligence.

What's up, fraud fighters, and welcome back to Fraud Forward!I wanted to do something different for our 100th episode. I didn't want a victory lap. I wanted an honest conversation about payment fraud prevention, where our systems feel fragile, and whether we are building financial infrastructure worthy of public trust.I brought together Karisse Hendrick, Becky Reed, David Maimon, and Jeff Taylor to talk about what fraud fighters are seeing across banking, payments, e-commerce, digital assets, and fraud research. Fraud is moving fast. Payments are moving faster. AI fraud detection and AI fraud prevention are becoming more important every day. Institutions are trying to balance innovation, regulation, speed, and protection all at once.This conversation is not just about payment fraud detection or payment risk management. Behind every account takeover fraud event, business email compromise attack, wire fraud case, ACH fraud prevention gap, or social engineering fraud scheme is a real person, a real business, and a real loss of trust.What you'll hear in this episode:How faster payments are changing real-time payment fraud preventionWhy payment fraud detection must move beyond isolated incidentsHow AI fraud prevention, AI fraud detection, behavioral biometrics, and device intelligence are changing fraud strategyWhy business email compromise, check fraud, wire fraud prevention, ACH fraud prevention, and account takeover fraud remain major concernsHow digital payment fraud is evolving across banks, merchants, marketplaces, and digital asset railsWhy social engineering fraud continues to exploit trust, emotion, and human behaviorWhat collaboration, fraud education, and payment risk management need to look like moving forwardWho should listen:Fraud fighters across banking, fintech, payments, and e-commerceFinancial institution leaders and fraud professionalsRisk, compliance, cybersecurity, and payment operations teamsTeams focused on real-time payment fraud preventionProfessionals working on ACH fraud prevention, wire fraud prevention, and account takeover fraudLeaders evaluating AI fraud prevention, behavioral biometrics, device intelligence, and fraud orchestrationAnyone who cares about protecting trust in financial services

Die Koalition ist bei den Wählern unten durch und der Bundeskanzler so unbeliebt wie noch kein BRD-Regierungschef vor ihm. Aber Merz hat die Lösung: Er muss einfach nur „besser erklären“, was er mit seiner Kahlschlagspolitik bezweckt. Dann kommt das Vertrauen der Menschen wie von selbst zurück. Ach was!? Ein Kommentar von Ralf Wurzbacher.Dieser Beitrag istWeiterlesen

"Everyone wants a village, but nobody wants to be a villager." Seo a ndeirtear faoi dhaoine sa lá atá inniu ann - we all want that community who will support us in uair na práinne, but are we bothered inconveniencing ourselves to support someone else? San eip seo, we discuss how to be a villager - showing up for friends instead of cancelling (yes, fiú má tá tú beagáinín tuirseach!), inviting people to tag along for errands, agus roinnt eile. Ach ar dtús, tá catch-up againn a bhí ana-overdue. Insíonn Louise dúinn faoin celeb a chonaic sí san Iodáil, agus déanann Doireann reenactment ar an drunk dial a fuair sí ó Louise i ndiaidh di an iomarca Aperol Spritzes a ól. Easily done... Sponsored by Fáilte Ireland. Déan plean dod' shaoire ghearr ag DiscoverIreland.ie.  HOW TO GAEL: LE GEALAÍ Baile Átha Cliath: ⁠⁠https://www.ticketmaster.ie/how-to-gael-dublin-05-04-2026/event/1800638AD058E413⁠⁠ Bí i dteagmháil linn! Ríomhphost: ⁠⁠howtogael@gmail.com⁠⁠ Suíomh: ⁠⁠https://www.howtogael.com/⁠⁠ Instagram: ⁠⁠https://www.instagram.com/howtogael/⁠⁠ TikTok: ⁠⁠https://www.tiktok.com/@howtogael Learn more about your ad choices. Visit podcastchoices.com/adchoices

// „Hier bin ich Türke, obwohl ich in Bremen geboren wurde, in der Türkei der Deutsche”, sagt Savas Coban. Hin- und hergerissen zwischen den Identitäten bricht der Abenteurer und Ultraläufer auf, die Heimat seiner Mutter zu umrunden. Tausende Kilometer legt er zurück, fast drei Monate ist er unterwegs. Er lernt dabei nicht nur die Türkei auf eine ganz besondere Art und Weise neu kennen, sondern auch sich selbst. In dieser Folge erzählt er von kulinarischen Höhepunkten, unerwarteten Begegnungen und einer versöhnlichen Erkenntnis. Ich spreche mit Savas aber auch über die Faszination der weiten Strecken und die Gefahren, die der aktuelle Hype um das Ultralaufen (Arda Saatci, Backyard Ultras und Co) birgt. Es geht um schmale Grate, das Schwach-sein-dürfen und die Bereitschaft, die Kontrolle über die Zukunft abzugeben. Ach ja, und dann ist da noch Savas' neues Buch ... // Alle Werbepartner des FREI RAUS Podcast und aktuelle Rabatte für Hörer:innen findest du unter https://www.christofoerster.com/freiraus-partner // Hier kannst du den wöchentlichen Newsletter zum Podcast abonnieren: https://www.christofoerster.com/freiraus // Ich freue mich, wenn du den Podcast mit einem kleinen Beitrag unterstützt! Alle Infos dazu ebenfalls auf https://www.christofoerster.com/freiraus // Outro-Song: Dull Hues by Lull (audiio.com)

What does every business owner NEED to know before building a website in 2026?In this episode of B2B Vault, hosted by Alan Kopelman and powered by Nationwide Payment Systems, we sit down with Joel Miller, co-owner of The Skyfloor, to talk about website strategy, branding, domains, AI, SEO, security, and the biggest mistakes businesses make online.Joel shares real-world insights on:• How to plan a business website correctly• Why owning your domain and social handles matters• Website mistakes costing businesses leads and sales• AI tools changing web development in 2026• Mobile-friendly website design tips• How website agencies hold businesses hostage• SEO, content updates, and organic traffic growth• Why cheap websites can hurt your business• The importance of privacy policies, terms & conditions, and refund policiesWhether you're launching a startup, redesigning your website, or trying to grow online, this episode is packed with practical advice every entrepreneur should hear.Guest: Joel Miller – The SkyfloorHosted by Alan KopelmanPowered by Nationwide Payment Systems

Knall auf Fall wurde die Technische Universität in Berlin verrammelt, wegen baulicher Mängel. Bis auf Weiteres müssen alle draußen bleiben. Einsturzgefahr? Ach was! Vielmehr droht der Einfall von Profitinteressen. Der fast schon abgewählte Senat will eine Gesellschaft gründen, um Bau, Sanierung und Gebäudemanagement der Hochschulen zu zentralisieren. Die Blaupause dazu stammt von Neoliberalen, die denWeiterlesen

Aloha! Heute ist TV- und Radiomoderator, DJ, Podcaster, Familienvater und Ironman Triathlet Florian Weiss zu Gast. Mit Florian spreche ich u.a. über seinen Weg in den Triathlonsport, seine bisherigen Rennerfahrungen, sein Ziel Hawaii Quali beim Ironman Lanzarote 2026, seine Medienerlebnisse bei TV, Radio und als DJ, seinen neuen Podcast, über das Tauchen und so einiges mehr! Mega interessante und kurzweilige Folge mit Florian - überall wo es Podcasts gibt! (Podcast enthält unbezahlte Werbung !) Die Aufnahme fand im Februar 2026 statt. Shownotes: Website von Florian Weiss => https://florianweiss.de/ Florian Weiss in Instagram => https://www.instagram.com/florianweissofficial/ Und hier gehts zur Folge vom 8.9.2024 mit Christian Störzer, dem Coach von Florian => klick Hier ! Wichtige Info: Dir hat die heutige Podcastfolge mit Florian Weiss gefallen? Dann lass gern einen Kommentar in Socials da und teile die Podcastfolge mit Deinen Freunden/Freundinnen, Vereinskollegen/Kolleginnen, und allen die sie anhören sollten! Abonniere Triathlon Podcast, um keine zukünftige Folge zu verpassen (Spotify, Apple Podcast) und dann hören wir uns hier bald wieder. Ach ja, eine Bewertung des Podcasts (am besten 5 Sterne!) wäre auch klasse! Da freue ich mich wie ein kleiner Schuljunge drüber ;) Bis dahin, bleib gesund, unfallfrei, verletzungsfrei und sportlich! Dein Marco P.S. All the best für den Raceday in Lanzarote an Florian und Chris (und alle anderen Starter:innen! Folge direkt herunterladen

In this episode of the HVAC Know It All Podcast, host Gary McCreadie is joined by Gord Cooke, President at Building Knowledge Canada, and Ian Walker, Sales & Marketing Manager at Aeroseal, to talk about air sealing technology and how it improves building performance. They explain how AeroBarrier works to reduce air leakage and why airtight homes need proper mechanical ventilation. The conversation covers common concerns about sealing homes too tightly, the role of HVAC systems in fresh air control, and how ventilation systems like ERVs help maintain comfort. Gary, Gord, and Ian also share real job site examples, costs, and how better air sealing can improve energy efficiency and system sizing. In this conversation, Gord and Ian explain how AeroBarrier is used to seal air leaks in homes and improve building performance. They describe how the system uses pressure and a misted sealant to find and close gaps, while stressing the need for proper ventilation to maintain air quality. Gord, Ian, and Gary discuss common concerns about making homes too tight and explain why controlled ventilation is important. They also cover real job site examples, costs, and how reducing air leakage can improve comfort, energy use, and HVAC system sizing. Expect to Learn: How AeroBarrier works to seal air leaks using pressure and a misted sealant. How building science and HVAC systems work together in modern homes. How proper ventilation keeps air quality safe in airtight homes. How ERV systems and exhaust fans help control fresh air and moisture. How reducing air leakage can improve comfort, energy use, and system sizing.   Episode Highlights: [00:00] - Sponsor Ad: Factory Direct Filters [00:42] - Intro to Gord Cooke and Ian Walker in Part 1 [02:20] - Introducing Aero Barrier technology and on-site demo [03:40] - Ian explains how Aero Barrier works (blower door, positive pressure, sealant mist) [05:17] - Debunking "sealing too tight" myth - build tight, ventilate right [09:32] - Summary: Tight homes are fine if mechanical ventilation is present [12:35] - Cost range = 0.80 – 1.50 per square foot [14:14] - Recommendation of ERV + source control for best ventilation [16:46] - Ventilation controls (CO₂, humidity) [19:37] - Real-world results: 14 ACH down to ~4 ACH, 55–60% leakage reduction   This Episode is Kindly Sponsored by: Cintas: https://www.cintas.com/hvacknowitall Cool Air Products: https://www.coolairproducts.net/ Factory Direct Filters: https://www.factorydirectfilters.com/ SupplyHouse: https://www.supplyhouse.com/tm Use promo code HKIA5 to get 5% off your first order at Supplyhouse!   Follow the Guests Gord Cooke and Ian Walker on: LinkedIn - Gord Cooke: https://www.linkedin.com/in/gord-cooke-4b9b3433 LinkedIn - Ian Walker: https://www.linkedin.com/in/ian-walker-930954101/ LinkedIn - Building Knowledge Canada: https://www.linkedin.com/company/building-knowledge-canada-inc./ LinkedIn - Ian Walker: https://www.linkedin.com/company/aeroseal-llc/    Follow the Host on: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/ LinkedIn - HVAC Know It All Inc.: https://www.linkedin.com/company/hvac-know-it-all-inc Website: https://www.hvacknowitall.com Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/  Instagram: https://www.instagram.com/hvacknowitall1/    Follow the Podcast on: YouTube: https://www.youtube.com/@HVACKnowItAll Spotify: https://open.spotify.com/show/6LCBJGw0EHG03rdWHxUMce Apple Podcast: https://podcasts.apple.com/us/podcast/hvac-know-it-all-podcast/id1359253455 

What happens when a fintech leader decides that serving the association community means doing far more than processing payments? And in an environment where associations are under pressure to deliver more value with limited resources, how can they create learning and connections that truly help members thrive?In this episode of Associations Thrive, host Joanna Pineda interviews Wade Tetsuka, President of U.S. Transactions Corporation (UST) and UST Education. Wade discusses:How UST helps associations accept credit card and ACH payments through AMS, LMS, and event platforms, while also helping reduce fees and improve service.Why payment processing becomes an especially important decision point when associations are changing AMS platforms.How UST Education began as simple peer-to-peer lunch roundtables for association IT directors and grew into a major educational platform.How the pandemic accelerated UST Education's virtual programming and enabled it to serve association professionals across the country.Why Wade believes companies should connect with the communities they serve in a more meaningful way, and how education became that “sweet spot” for him.Why education is the common thread across Wade's work, board service, and leadership philosophy, and why he sees it as “the great equalizer in society.”What the AANHPI association community means to Wade, and why representation and visibility matter for future Asian American leaders.References:UST Website

Home service companies are leaving serious money on the table when it comes to referrals. In this episode, John Wilson sits down with Murphy Nadauld from ReferPro to break down how top HVAC, plumbing, electrical, and roofing companies are building scalable referral engines through lifecycle marketing, automation, and AI.In this episode, you'll learn: • Why referrals are underutilized in home services • How lifecycle marketing drives repeat revenue • Why referral incentives increase conversion rates • How contractors are using referrals to recruit technicians • The role AI and automation play in customer retention • How affiliate partnerships create new lead opportunitiesHost: John WilsonGuest: Murphy Nadauld (ReferPro)ReferPro

A “credit card fee” can protect your margins or quietly create compliance risk, and the difference usually comes down to one word: clarity. We sit down with Jim Oberman, CEO of Payroc, to unpack credit card surcharging in a way that merchants, software platforms, and payments teams can actually use, without hand-waving and without confusing it with every other fee customers see at checkout.We start with the fundamentals: what surcharging is, why it exists, and why it applies only to credit cards, not debit or prepaid. Then we cut through the biggest source of mistakes by separating four commonly mixed concepts: surcharging, dual pricing, convenience fees, and service fees. From there, we get practical about the rules that matter in the real world, including Visa's 3% surcharge cap becoming the de facto standard, Mastercard's different limit, and how brand enforcement programs and secret shopping can expose sloppy implementations.The bigger story is why surcharging has taken off so fast. Technology now makes it possible to present buyer choice at the exact moment of payment, across online and in-person experiences, with options like debit, ACH (electronic check), and emerging rails like real-time payments. Jim explains why embedded payments and ISVs increasingly treat surcharging as more than cost recovery: it can be a strategic feature, a trust-builder, and a way to keep reconciliation and settlement clean for merchants at scale.

How Bad Pricing Cost This Business $300K with Heide Olson   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com  Make more, work less video: https://youtu.be/    A business owner doubled his revenue, kept working hard, and still lost $300,000 in a single year — and had no idea it was happening. That is not a rare story. That is what happens when your pricing falls behind your costs and your financials are not current enough to warn you. If you are growing but not keeping more of what you make, this episode is required listening.    In This Episode:  Why most entrepreneurs focus on revenue over profit early on and when the painful reality finally hits  The pricing mistake that cost one concrete company $300,000 in a single year  Why accurate financials mean nothing without timely financials and how to close that gap  How to use budget vs. actual analysis to instantly see what is off track in your business  Why your balance sheet tells the story your P&L will never show you  How requiring ACH or credit card payment from every client cleaned up 500 accounts overnight  The escalating threat of wire fraud and what All-In-One Accounting does to stop it in 15 minutes or less    Key Takeaways:  A 10% price increase on a 10% profit margin doubles your profit. Raise prices every year without apology.  Budget vs. actual is one of the most powerful financial tools available to any business owner and almost no one uses it in the first few years.  Your balance sheet is where the cash actually disappears. Review it monthly and demand your financial person explain every line.  If you are constantly managing cash, you have a profitability problem. Fix the root cause instead of the symptom.  Accounting is not an expense. It is an investment that should return tenfold through profitable growth, protected assets, and strategic clarity.    The Money Lesson:  Heidi's core message is one that every business owner needs to hear more than once: accounting is not a cost of doing business. It is the mechanism through which your business either builds wealth or quietly leaks it. The businesses that thrive are not necessarily the ones with the most revenue or the most customers — they are the ones where someone is consistently asking what the numbers mean, what changed, and what to do next. Profit does not happen by accident. It is engineered through accurate, timely financials, disciplined pricing, and the strategic clarity that only comes when someone is actually reading the reports and acting on what they find. Heidi built All-In-One Accounting on that belief, and after 23 years and nearly 500 clients, the evidence is hard to argue with.    Why This Conversation Matters:  Most financial conversations aimed at business owners are either too theoretical to act on or too basic to be useful. This one is neither. Heidi Olson has sat inside hundreds of businesses across nearly 23 years and watched the same preventable patterns destroy margins, lock up cash, and leave owners working harder than they should for results that never seem to match the effort. What she shares in this episode is not textbook accounting — it is field-tested reality from someone who has seen what the numbers look like when nobody is paying attention, and what is possible when someone finally does. If you have ever felt like your business should be further ahead than it is, this conversation will show you exactly why that gap exists and what to do about it.    About Heide Olson:  Inspired by her love of small business and drive to serve, Heide has spent the last 22 years   committed to guiding entrepreneurs and nonprofit leaders from financial chaos to clarity   and strategic insight, enabling them to scale their operations efficiently. As founder and   CEO, Heide firmly believes that entrepreneurs are the backbone of our economy, driving  growth through ingenuity, boldness, and willingness to take risks. At the same time, nonprofits have a crucial impact on the communities they serve and the greater good.    Founded in 2004, the All In One Accounting team offers comprehensive services spanning general accounting, bookkeeping, controller, and CFO needs to thousands of clients. They advise entrepreneurs on profitable growth and help nonprofit leaders amplify their impact. Yet, Heide's vision extends far beyond mere financial management; she and her team play a crucial role in increasing value, fueling innovation, and solving real-world  problems, making a substantial impact on society and the economy.   Heide has mastered the art of financial connections. Her passionate pursuit of long-term relationships drive the customized, hands-on implementation planning she is known for and that clients rely on. Every mission partner gets the highest level of service from a trusted adviser who knows precisely what it takes to give any company or nonprofit the financial lift they need.    Links:  Website: https://allinoneaccounting.com/     LinkedIn: https://www.linkedin.com/in/heide-olson/      https://www.linkedin.com/company/allinoneaccounting/     Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page    Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman  Sign up to be notified when the next cohort of the Profit First Experience Course is available!  Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page   Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup  Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst  Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/  My podcast about living a richer more meaningful life: http://richersoul.com/  Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.      

In this episode, we kick things off by examining a major freight broker navigating a brutally tough first quarter but projecting a significant turnaround ahead. RXO released its earnings Thursday morning, reporting a first-quarter adjusted EBITDA of just six million dollars, down sharply from twenty-two million dollars a year earlier. Despite compressed margins, the company aggressively shifted its strategy by increasing its spot mix to thirty-three percent of volume, helping produce what RXO described as the largest sequential increase in gross profit per load in more than three years. Looking ahead, the broker is forecasting a much stronger second quarter with adjusted EBITDA expected to land between twenty-seven million dollars and thirty-seven million dollars. Next, we explore the trade sector where billions of dollars in tariff refunds are finally beginning to flow through a newly launched federal portal. U.S. Customs and Border Protection rolled out its Consolidated Administration and Processing of Entries tool, known as CAPE, on April twentieth within the Automated Commercial Environment portal. The digital platform is processing claims far more efficiently than anticipated, with refunds potentially arriving in early May. However, a massive readiness gap is emerging, as CBP estimates roughly forty-six billion dollars in refunds is currently stalled for importers that have not completed ACH refund authorization or established proper portal access. Finally, we cover a controversial regulation governing commercial driver's licenses as a federal court denied a request to block the rule for non-domiciled drivers on Tuesday. A three-judge panel in the U.S. Court of Appeals for the District of Columbia denied a motion seeking to stay enforcement of FMCSA's rule, which became effective March sixteenth and specifies that non-domiciled CDLs are available only to H-2A, H-2B, and E-2 visa holders, excluding asylum seekers, asylees, DACA recipients, refugees, and people with temporary protected status. While the stay was denied, the combined cases will move forward with petitioners' briefs due June fifteenth and oral arguments expected in September. Follow the FreightWaves NOW Podcast Other FreightWaves Shows Learn more about your ad choices. Visit megaphone.fm/adchoices

The Mishna at the end of Masechet Menahot (110a) teaches: "Ehad Ha'marbeh Ve'ehad Ha'mam'it, U'bilbad She'yechaven Libo La'Shamayim" – "Whether one does much or one does little, as long as he directs his heart toward Heaven." The point made by the Mishna is that the most important factor is not the amount that one actually manages to accomplish, but rather the extent to which he maximizes his potential and does his best. A person who is able to learn six hours a day is not necessarily greater than a person who is able to learn just one hour day, as these two individuals might face very different circumstances. If the first individual learns for six hours but has the ability to learn even more, whereas the second only has an hour for learning and takes full advantage of that hour, then the second is greater than the first. This is true also of scholarly achievement, charity, Hesed, community involvement, and so on. Not everyone is in the position to do the same amount. Every individual has his unique set of strengths, weaknesses, talents, struggles, challenges and circumstances, and no two people's expectations are thus exactly alike. The most important thing is "She'yechaven Libo La'Shamayim" – that one sincerely invests the greatest effort that he can and achieves to the very best of his ability. Hacham Ovadia Yosef noted that the word "Leb" ("heart") consists of the letters Lamed and Bet. These two letters are preceded by the letters Kaf and Alef – which spell the word "Ach" ("only"), and are followed by the letters Mem and Gimal – which spell the word "Gam." Now the Gemara teaches us that the word "Ach" implies a "Mi'ut," an exclusion, and when it appears in the Torah in the context of a Halacha, it indicates that something is excluded from the law in question. Conversely, the word "Gam" implies a "Ribui," an extension, that the law includes something that we might not have expected it to. The word "Leb" is thus "surrounded" by both "Marbeh" and "Mam'it," by an allusion to a large amount and an allusion to a smaller amount. This reinforces the notion that the most important thing is the heart, one's sincerity, one's genuine quest for excellence and devoted efforts to do the most he can. This – and not the bottom-line result – is what matters to Hashem and what should matter to us.