Time for a Friday Flight- our sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: $3 movies, T Swift Tourism, the Messi Effect, Apple breaking the bank, instant ACH transfers, DoorDashOffWithYourMoney, Costco meat indicator, $1,000,000,000,000 in credit card debt, Prime Perks, haggling for discounts, 1% mortgage down payments, & WTD with that home equity. Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here. Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend! Best friends out!See omnystudio.com/listener for privacy information.
Ach, endlich Sommer, Sonne, Bienensurren! Genau die richtige Zeit für einen gemütlichen Plausch mit meiner lieben Freundin Bettina Rust - Ihres Zeichens schönste Radiostimme Deutschlands und Gastgeberin der Show “Hörbar Rust” auf Radio Eins und dem Podcast “Toast Hawaii”. Regelmäßige Hörer wissen schon: Wenn Bettina und ich aufeinanderstoßen, gibt es thematisch quasi keine Grenzen. Wir schweben wie Wolken über wichtige, große und kleine, unwichtige Themen hinweg, verharren hier und dort, hören einander zu - und ziehen dann kichernd weiter. Dabei entdecken wir unterwegs die ein oder andere Lebensweisheit, die Vorteile der Vorratshaltung, die Kunst der 380 Grad-Drehung und stellen uns die Frage, ob die Kohl- oder die Blaumeise im Endeffekt “wellensittiger” ist. Wer hier nun auf den Geschmack gekommen ist und mehr von Bettina hören möchte, dem und der seien hiermit herzlich die vorherigen Folgen mit Bettina empfohlen: #177 “Das Essen meines Lebens”, #170 “Mehr Aufmerksamkeit fürs Stiefmütterchen”, #152 “Aus Pumps Champagner saufen”, #112 “Holzschutzmittel und die süchtigen Igel”, #66 “Ja, genau - weißt Du, was ich meine?”, #33 “Mist, das war nix!”
Got Nexxt – Der NBA und Basketball Podcast
Der neue Fragenpod blickt zurück auf das erste Spiel der NBA Finals 2023, voraus auf Jaylen Browns neuen Vertrag, vergibt NBA Playoff Awards, erklärt Erik Spoelstras Erfolg und vieles, vieles mehr! Ach und checkt den Urban Sports Club aus und (mehr …) The post Warum waren die Nuggets so überlegen? Jaylen Brown eine Wurst? NBA Playoff Awards? first appeared on Got Nexxt – Der NBA und Basketball Podcast.
Our Non-US counterparts still look at US businesses and wonder why we still write paper checks. It's no secret that checks cost more to produce than say, ACH payments. So why are US companies still writing paper checks?Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to prevent fraudulent payments, regulatory fines or bad vendor data. Check out my new Vendor Process Training Center for 149+ hours of weekly live and on-demand training for the Vendor team. Subscribe today to be entered in the subscriber-only monthly drawing to win a free Putting the AP in hAPpy Coffee Mug. Links mentioned in the podcast: Vendor Validation Reference List with Resources Links: www.debrarrichardson.com/vendor-validation-download (Get 25% Discount on the Global Vendor Registration Numbers)Vendor Master File Clean-Up: https://www.debrarrichardson.com/cleanupYouTube Channel: https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas? Email me at firstname.lastname@example.org Music Credit: www.purple-planet.com
Jabroni University » Jabroni U Podcasts
We've finally reached the end of Best of the Super Jr. 30! The boys recap the final block nights that led to the Semi-Finals, and finally to the Final between Master Wato and Titan! www.linktr.ee/juwrestling
Willkommen zurück bei That's What He Said, der Podcast für alle Dussels und die, die es noch werden wollen! Heute gibt es den ungeschönten Blick hinter die Kulissen, wie diese Folge ihren Weg eigentlich zu euch findet, über Datenräuber Felix (Moment mal, das bin ja ich!) direkt ins World Wide Web. Einfach irre! Außerdem befasst sich Donnie mit der menschlichen Psyche und dem Auto von Detlef D! Soost. Ach, und ist euch das auch schon mal passiert, dass ihr aus Versehen einen Frühjahrsputz gemacht habt? Ihr seht schon, es gibt Themen, und das nicht zu knapp. Liebe Grüße übrigens an Lindsay Lohan und Galileo Galilei! Ihr wollt Donnie unterstützen? Hier geht's zur Patreon-Seite von TWHS: https://www.patreon.com/TWHS Bock auf Merch? Hier geht's zu Donnies Supergeek-Shop: https://supergeek.de/de/donnieosullivan/ Feedback oder Fragen an Donnie? Schick eine Mail an email@example.com!
How does one go from a degree in math and physics to a profession in payments? Highline CEO Geoff Brown has the answer for you on this week's episode! A self-proclaimed numbers geek, Geoff has a genuine passion for data-driven insights and patterns – all of which support his very successful and beneficial contribution to our U.S. payments ecosystem.For those of you who may not know, Highline is a brand-new payments network that originates payments directly from payroll platforms. Unlike card and ACH payments that pull directly from the consumers bank account, Highline has the funds pulled directly from the customers paycheck. According to Geoff, this translates to a vastly improve customer experience and a significant decrease in payments liability.From a consumer perspective, the customer benefits from no longer needing to worry about drafting from their bank account and the payment failures that often can result. Highline pushes out payments to lenders and recurring platforms directly on payday, so the liability is decreased dramatically. The optimum use case for this product revolves around lenders who will be looking to help reduce losses or prepare for an upcoming increase in loss exposure, and Geoff touts a customer experience that is “far better than ACH,” in addition to a one-click authorization process that far surpasses their competition. Tune in this week to hear Geoff talk about his journey to CEO, including how he came up with the idea for this entirely unique offering in the payment space. We also talk about where he sees the industry going in the next 2 to 3 years as it relates to the evolution of P2P, the rapid growth of the payroll space, and the anticipated consolidation throughout the banking industry.
Jabroni University » Jabroni U Podcasts
Against all odds, the boys have kept up with breakneck pace of Best of the Super Jr. 30's grueling dual block schedule! Daniel and Bonesaw give you all the must-watch matches from Nights 4 through 8 and cast their lot for who will win the tournament given the clearer picture, points-wise! www.linktr.ee/juwrestling
B2B Vault: The Payment Technology Podcast
Are you a business owner looking to take your success to the next level? In this episode, we dive deep into the power of bookkeeping and how it can unlock new opportunities for your business. Discover practical strategies, tips, and tools to streamline your financial processes and make informed decisions that drive growth. Don't miss out on harnessing the true potential of bookkeeping! Join us on a journey to unlock the secrets of business success through the power of bookkeeping. We explore the indispensable role of bookkeeping in managing your finances, tracking performance, and optimizing profitability. From setting up a solid bookkeeping system to leveraging technology and data analysis, we provide valuable insights and expert advice to empower you as a business owner. Get ready to unleash your full potential! Welcome to another episode of B2B Vault - The Payment Technology Podcast. , we will delve into the world of business ownership and provide valuable insights to help business owners thrive. While bookkeeping is not the most glorious aspect of running a business is one of the most important things you need for success and growth, and it is crucial when tax time arrives. What does bookkeeping do for your business? Privies a financial snapshot Recording transactions Banking Credit Cards – paying bills Writing checks or paying by ACH Tracks all of your bank accounts Income Spending What tools can you use? Quickbook Xero Freshbooks Zoho To name a few Accurate bookkeeping is important! You can get a good picture of your business Profit and loss statement Balance Sheets Money owed When will you need this info? When you want to get a better merchant account Lower rates Loans Need an investor If you have a retail store or restaurant – it is good to use a point-of-sale system and track your inventory. Track your buying and plan Find out your best-selling items When are your peak sales days Payroll is another aspect of bookkeeping. Pay yourself – many who did not – did not get PPP money. You can make better business decisions – and understand your cash flow. Save money on merchant fees – get higher limits on your merchant account. Attract an investor Makes it easy to work with a bookkeeper – CPA – Accountants They will cost you less money – as there will be less for them to do when you have good financial records saving you money and making thing more efficient.
Jabroni University » Jabroni U Podcasts
It's BOSJ Season, baby! Daniel and Bonesaw review Best of the Super Jr. 30 and they're watching ALL of the matches so YOU don't have to! The boys cover the first 3 nights of the tournament and curate a list of must watch matches for everyone who doesn't have 3 hours a day to watch NJPW, AND cast their predictions for tournament winner! Somehow, Bonesaw manages to sit for an entire podcast and NOT play Zelda! www.linktr.ee/juwrestling
Got Nexxt – Der NBA und Basketball Podcast
Der neue Fragenpod blickt auf die frisch ausgeschiedenen Warriors, Knicks und Suns – was passiert dort jetzt? Außerdem im Programm: die Denver Nuggets, die All-NBA-Teams, Derrick Rose, Robert Williams, Jaylen Brown zu den Warriors und vieles, vieles mehr! Ach und (mehr …) The post Quo vadis Warriors, Suns, Knicks? Gobert nach Golden State? Warum werden die Nuggets unterschätzt? first appeared on Got Nexxt – Der NBA und Basketball Podcast.
O diretor de pesquisas da Fundação Human Rights in Cuba, Hugo Achá, afirma no podcast Latitude que o regime da ilha comunista está se tornando cada vez mais parecido com o da Rússia: oligárquico e corrupto. Empresas militares e estatais são, na realidade, comandadas por grupos familiares. Achá também comenta os protestos na ilha e explica por que o governo petista não incluiu cubanos no novo Mais Médicos. Ele conversou com os jornalistas Duda Teixeira e Rogério Ortega. Inscreva-se e receba a newsletter: https://bit.ly/2Gl9AdL Confira mais notícias em nosso site: https://oantagonista.uol.com.br/ https://crusoe.uol.com.br/ Acompanhe nossas redes sociais: https://www.fb.com/oantagonista https://www.twitter.com/o_antagonista https://www.instagram.com/o_antagonista https://www.tiktok.com/@oantagonista_oficial No Youtube deixe seu like e se inscreva no canal: https://www.youtube.com/c/OAntagonista
Introduction: Welcome to Five & Thrive: a weekly podcast highlighting the Southeast's most interesting news, entrepreneurs, and information of the week, all under 5 minutes. My name is Jon Birdsong and I'm with Atlanta Ventures. Companies Worth Applying To: We have two companies worth applying to right now that are worth taking a serious look. First is ViewFi, the telemedicine company out of Atlanta led by CEO, Michael Williamson. ViewFi connects you with the world's top medical experts to get your pain or injury diagnosed, without the wait. They are hiring for a Sports Medicine Physician. The process for ViewFi helps you connect, diagnose, plan, and recover all through a simple application alongside a trusted and premier medical professional. Next up, this past week, A.T. Gimbel and team hosted another fantastic Atlanta Healthcare Meetup with Ryan Jones, the CEO of Florence Healthcare. Florence frees clinical trials from bottlenecks, so they can accelerate and scale. Sites are drowning under the demands of today's clinical research trials, slowing clinical trials, increasing costs, and delaying cures. Florence's Site Enablement Platform helps sites streamline operations, enable remote monitoring, and integrate study workflows. They are hiring for several roles including a Senior Sales Executive, Salesforce Admin, and several others. We put the link in the show notes and if you didn't watch the live interview with Ryan, I highly recommend listening to our events page. Podcast of the Week: I have not listened to the entire episode because it is 3 and half hours in length and my bike ride is a crisp 30 minutes, but I'm well into it and it comes highly recommended from a trusted source. This podcast comes from the show Acquired and it is the full history of LVMH, and how Bernard Arnault turned a $15m investment in a bankrupt French textile company into the world's largest individual fortune. This story is equal parts Berkshire Hathaway, Barbarians at the Gate, Steve Jobs / Ted Turner etc and worth any entrepreneur's time. We put the link in the show notes. Quiet Giant: One of the Top 10 Most Innovative companies that piqued my interest last week from the TAG Summit was DataSeers. They have over 80 employees. This is an enterprise solution for fintech and banking operations that helps with onboarding, ACH processing, anti-fraud, compliance, reconciliation, and Analytics. FinanSeer® converts raw transaction data to meaningful information that financial institutions can use to optimize their processes and protect their customers. It cleans data and automates workflows to increase operational efficiency across several aspects of the business. . Feature Release of the Week: Major major release and put I “release” in air quotes as this is a release of physical space, but Intown Golf Club in Charlotte opened their doors this week to the initial Founding 100 members and it was a spectacular event. If you are in Charlotte and love to play golf, socialize, and like good food and spirits, Intown Golf Club is the place for you. The outdoor patio, putting green, and firepit is just the beginning before you head indoors to 8 simulators, private dining, a massive bar and much more. Shout out to the team on creating another special location. Raise a Glass: You know was I putting together this week's Five and Thrive and was a little surprised there had not been a funding announcement this week of any sort, and then all of sudden, right before I hit send on this bad boy, I see an update that Jason Rubbotom's Clovery just raised a very impressive $19M let by GroTech Ventures. Cloverly built the first API in the world for carbon credits and the company has grown to become the leading digital infrastructure powering the voluntary carbon market. Their software is helping any company scale their impact by providing the infrastructure to supply or buy carbon credits with the click of a few buttons. Congratulations to Cloverly and team on the next phase of growt! Annnnnd that's five minutes! Companies Worth Applying To: ViewFi, Florence Healthcare Podcast of the Week: Acquired: LVMH Feature Release of the Week: Intown Golf Club Raise a Glass: Cloverly
50 Cups of Coffee with Bobby Audley
It has been some time since we have recorded a new episode! The reason being is Bobby has experienced a major shift in his work and today's episode is a reflection of that. In October of last year Bobby joined the TLC Family of Camps as a co-Director at Timber Lake West Camp in the Catskill Mountains of NY. On the next episode we will share more information about this new role and more about what Timber Lake West is all about. If you are curious now, head on over to TimberLakeWest.com. Today on the podcast Bobby has coffee and conversation with summer camp professionals Dave Brown and John Hamilton. Dave Brown grew up as a camper at Mountain Camp, a co-ed sleep-away summer camp located near Lake Tahoe. Growing up at camp Dave went on to work at camp as a Counselor in Training (CIT), a Junior Counselor and then a Cabin Counselor. After camp Dave went on to become a Licensed Clinical Social Worker and rejoined Mountain Camp as a year-round director. When not at camp, Dave offers training and consultation for youth-serving organizations such as camps, schools and non-profits through his company Fence Post Learning. Over the past 20 years, Dave has worked directly with children and families in a variety of roles and settings. As a Therapist, Counselor, Camp Director and Trainer. He has worked in treatment centers, schools, nonprofits and summer camps. John Hamilton is a leader in the camp, out-of-school time (OST) and youth development fields. John currently serves as Chief Strategy Officer for the Alliance for Camp Health whose mission is Working toward healthier camp communities. John has a deep understanding of mental, emotional, and social health (MESH) needs of youth and a hope-filled perspective for our youth. John has a masters in Leadership and Cultural Justice, has been named the American Camp Association's Subject Matter expert on MESH and Trauma-Informed Care at camp and is a former Executive Director of Camp Alta. From the ACH website, "With perspective from hands-on experience overseeing fifty-plus programs around the country, being onsite at an average of ten different camps per summer, and consulting organizations, John's voice will help restore belief in the future of our work and guide us to discover ways to create healthier summer learning communities." That right there is why this conversation is so very needed and valuable. Many of you who are regular listeners are coaches and camper directors. Those of you from non-youth serving worlds, I know many of you are parents. When we say we sit down with leaders and we talk about culture and connection, in my opinion there is no better leader than a parent, no better culture than a family and no one better to connect with than a kid. Please enjoy Bobby's cup of coffee with Dave Brown and John Hamilton.
Jabroni University » Jabroni U Podcasts
Daniel and Bonesaw continue to maintain a good tack of actually watching shows AND THEN podcasting about said shows, and today's episode is all about Wrestling Dontaku! Well, it's actually also about Best of Super Junior 30, so that was a lie, but there's way more sound effects now, so that's something! Anyway, you listen to it now!
The average millionaire has 7 income streams. We discuss 2 income streams today—ATMs and Car Washes. They're low touch, more passive than turnkey real estate investing. With ATMs, is cash use on the decline? Not among the demographic they serve. We discuss the future of cash use. Some ATM users pay a $3 surcharge to access a $20 bill. That's why it's profitable. You can buy a unit of five ATMs. They've provided a 26.1% cash-on-cash return and high tax advantages. It's returned $2,262 per month. Learn more about ATMs at: GREmarketplace.com/ATM Car wash profits are enhanced with a subscription model. Few on-site employees are needed. You can invest alongside a tech-forward car wash franchise, Tommy's Express Car Wash. The WSJ stated that no business other than car washes can create this much profit on a one acre lot. As society changes, EV, gas-powered, and diesel cars must all go through the car wash. ATMs and car washes demonstrate high operating margins and many tax advantages. You must be an accredited investor. Learn more about car washes at: GREmarketplace.com/CarWash Resources mentioned: Show Notes: www.GetRichEducation.com/448 Learn more about ATMs: GREmarketplace.com/ATM Learn more about Car Wash investing: GREmarketplace.com/CarWash Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Speaker 0 (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold. It's been said that the average millionaire has seven different income streams. We're going to discuss two distinct income streams that you can add to your life today that lie on the periphery of real estate investing. They are low touch for you because they require little or no management. Today on Episode 448 of Get Rich Education. Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Speaker 0 (00:00:52) - Welcome to G R E from Altoona, PA to Saskatoon, Saskatchewan, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education. Well, you can't have just one income stream because that's entirely too close to zero. We're talking about two distinct income streams today. People really like the operator and his track record. In fact, he's a longtime friend of mine. We'll talk with him shortly next week. Here on the show, I'm gonna talk about the ways that you can raise the rent and add value to your property. But for today, besides the upside that gets many interested in these two income streams, most investments usually have pros and cons. So I'm gonna ask about the downside. In both, we're talking about the ability to add a couple thousand dollars to your residual income each month with the first of two income streams. Speaker 0 (00:01:51) - ATMs, yes, automated teller machines. Remarkably, the operator has never missed the monthly distribution or the pro forma return target. What about the future use patterns of cash? Yes. Green dollar bills. We will discuss that. It seems as though ATMs just don't care when there's disruption and chaos in the marketplace. They just sit there, do their business and provide you with consistent monthly cash flow. We'll discuss exactly how much inflation, not a big deal to ATMs recession, they can deal with that. Pandemic ATMs breezed right through it. Is the use of cash in decline? Well, not with the demographic that ATMs serve. How about the political party in power? That just doesn't matter in fact, and perhaps is a little sad. The demographic that ATMs serve is one of the fastest growing in the United States to this group, cash is still the currency of choice. Some of them are unbanked or underbanked. First, we'll talk about ATMs then after that, another diverse income stream for you. Speaker 0 (00:03:07) - What's it like to invest in ATMs and car washes and what's the direction of their future use patterns, for example, wouldn't cash use with ATMs B declining perhaps? Well, today's guest expert recently spoke about ATM and carwash investing at the Best Ever conference as alternative asset classes that can perform well over the next decade. And when he was finished speaking, there was a line formed at the back door waiting for him so that people could learn more. So settle in. Let's learn about what's happening. I'd like to welcome back onto the show, g r e, regular and super syndicator, Dave Zuck. Speaker 3 (00:03:43) - Keith, thanks for having me back on your show. It's good to be back and I'm looking forward to having this discussion. I love it. Speaker 0 (00:03:50) - Well, Dave, you know you've been here to discuss ATMs and car washes before, so we wanna get updates today, including what investor returns are like starting with ATMs. Really, that is a predominant thought about ATM investing today. It's that the use of this new technology like Apple Pay or coming cbd, CS, or even cryptocurrencies, are gonna cause cash use to decline. And I know that when you were here previously, we talked about year over year cash use and how that looks. So is that a question that you often get about just the use of cash that an at m spits out? Speaker 3 (00:04:24) - Yeah, so one of the challenges to the ATM space in investor's minds in accredited investor's minds is, well, I don't use cash anymore. I'm guessing you don't use much cash anymore. I don't hardly ever use cash, right? And so that must mean that other people aren't using cash. That is the same as an investor thinking, well, I don't live in a C-class apartment building, so I guess nobody invests in C-class apartment buildings, right? So one of the things yes, is cash use in decline. The answer is yes to our peer group. But when you consider the fact that our demographic, who we serve, what I'm saying, saying our peer group, I'm talking about you and I, Keith and probably everybody who's listening to this show, we use last cash and we did three years, five years, 10 years, 20 years ago. Sure. Okay. But that demographic of people that we serve is one of the largest, one of the fastest growing groups in this country. Speaker 3 (00:05:22) - It's when you really look at the facts. Look back in the early nineties, the Wall Street Journal, there's already a Wall Street Journal that talk about the death of cash. By the end of the nineties, cash wasn't gonna be around anymore. When I started, when I got in the ATM space 12 years ago, the kind of the talk on the street was, yeah, but you got Apple Pay and the Google Wallet and you got all these, this stuff coming on, cash is gonna be dead in two to three years from now. And the fact is, there's more than doubled the amount of currency and circulation today than there was 12 years ago. There's more currency in circulation today than any time in human history. And the peer group who we serve, the demographic who we serve, uses cash and almost transacts entirely in cash. And that's not going away. We've seen that increase. We've done a lot of market research, we see what's going on, but then we also see what's going on inside our own funds and how people are behaving. It's still a vibrant market. Speaker 0 (00:06:14) - Yes. And you and I have discussed before how some businesses and jurisdictions have tried to ban cash use, but those bans were repealed and it was brought back that you're able to use cash. And you brought up such a brilliant analogy. You as an investor out there, you might be interested in investing in a C-class apartment building, even though if you would do that, you'd probably be less likely to live in one. So yes, a lot of times you're with your circle of friends, you're in your peer group and you tend to think like they do and everyone lives just like you do. But when we talk about different demographic groups from people that you usually hang out with, one reason I've learned through dealing with you over the years, Dave, is that ATMs are so lucrative for ATM investors because this is going to seem incomprehensible to you, the educated listener, but many ATM users pay two to $3 just to get access to a $20 bill. Imagine paying $3 to get access to a $20 bill. And you're thinking, well, who would do that? No one that I hang out with would do that. That's 15% of 15% surcharge to go ahead and access your own money. But yeah, I mean that's one reason why these people are financially disadvantaged, but that's why it's lucrative. Speaker 3 (00:07:29) - Yeah. And for those people it's a way of life. And when you look at how a person's wage or ACH today, somebody works at a factory, their paycheck gets ACH right into their account. They transact in a lot of cash. You know, it saves them for two or $3. It saves them from getting in a car. Some of 'em don't even have a car or getting in into public transit and going down the road to a, the neighborhood bank where they bank at and then stand in line at a in front of a teller on a Friday night and to try and get, you know, 20, $5,000 in cash. You know that two or $3 to go down to the corner of convenience store. That's pretty inexpensive. But you're right. I mean, there's people who will pay two or $3 to get a $10 bill or $20 bill. It's just crazy. Speaker 0 (00:08:18) - Now Dave just gave an excellent example because some people might think, are you taking advantage of these people? You're actually helping serve these people and give them an option? And one thing that I know that you really prioritize doing, Dave, with these a t m investments you've been helping people with for years where they can come invest alongside of you, is that for your physical at m locations, you choose high foot traffic areas. Speaker 3 (00:08:44) - You've heard the saying, what's the three most important things about real estate and its location, location, location. Even more so in this investment because at its core this is a real estate investment. You're monetizing a two foot by two foot piece of real estate and you may be taken at two foot by two foot piece of real estate to its highest and best use. So you're monetizing that piece of real estate. But no, you're adding real value in a community and and serving a community, but it's a real estate play. Speaker 0 (00:09:15) - Now if you are the listener and the viewer out there, if you think cash is going to disappear completely in say seven years, well then you probably wouldn't be interested in investing in something like this. But the more you read and the more you learn, the more you're gonna be informed on that. So talk to us a little bit more about the future of payments. Dave, Speaker 3 (00:09:35) - You mentioned a seven year contract and that's what this is. It's a seven year deal. But when you consider the tax impact plus the first 12 months of cash flow and that first 12 months, you're getting about 60 to 70% of your principle back in that first 12 months from the time your cash flow starts, you're getting that first year's tax deduction, 80% right on the front end. You're getting about 60 to 70% of your principal back in that first 12 months. And then you've got an extra six years of cash flow behind that. So although it's a seven year deal, it's not like you have your money at risk for seven years. You get your money at risk count, the tax impact, you got your money at address for less than three years. It becomes a, not only is it a a really good cashflow and income stream play and you can start really beefing up your monthly cash flow, but it's also a tax plan. It's one of the ways that I keep myself tax efficient. You know, it's, you use that big chunk of depreciation in year one and you start getting yourself to the point where you're living the tax efficient life you start gaining on your wealth building journey. You can get momentum quick when you start applying some of those principles and using that depreciation offset, the tax liability and some other income. Speaker 0 (00:10:52) - We're talking about how investors get 80% bonus depreciation right there at the beginning of a seven year hold time. And Dave, is there a specific number of ATMs that a specific investor owns? Speaker 3 (00:11:08) - One unit is considered five or six ATMs and it matter, you know, it depends on what kind and sort of location. There's some ATMs that have dual monitors and there's two people using 'em at the same time. So it really depends on, on what ATM that is. But you're talking five or six ATMs for one unit. One unit is $104,000. We do sell half units now. So you can come in as low as $52,000, but that's how it works. You buy a unit of ATMs, you put 'em in our fund, we manage the fund for you, and you get a portion of that surcharge revenue. This is sort of a three-way split. You got the investor getting about a third of the income or 30% of the income. You get the store owner or the the location owner about roughly 30% of the income. And then you got the management company, which is where all the costs flow through. You get the management company getting about 40% of that income. So it's sort of a three-way split, but you're getting as close to the asset as you possibly can get without owning at yourself. And so you're just buying the units, you're paying us to manage them for you and making it totally passive. Speaker 0 (00:12:18) - As Dave and I have talked about on a previous show, people use ATMs for more than just accessing cash. There are more use cases than just accessing cash. But Dave, when we get back to the numbers and we talk about why you have so many repeat investors that have invested in a lot of ATMs with you years ago and wanna come back and do this more. And that is because this is a cash flow centric investment besides being tax advantaged. However, you as an investor, you shouldn't expect much appreciation on your six or so ATMs that you hold for this seven year or so hold period. Those things are almost fully depreciated in value by the end of your hold period. But this is a tax efficient, cash flow centric investment. So Dave, tell us more about how that looks for the investor, because I know this is actually a highly predictable income stream for investors. Speaker 3 (00:13:08) - It is highly predictable. We've never missed our monthly distribution payments. Yeah. And we've never missed our proforma and so highly predictable. And the depreciation, the way the depreciation works is it, it really you invest, you get that depreciation, you can use it to offset some other income and you got two choices. You can keep your income stream coming from your ATMs. You can keep that tax free for the first couple years or you can use that even more aggressively. You can use that depreciation, go off and and use it to offset the tax liability on some other income. At the end of the day, it's about living the tax efficient life down and getting out of those high tax brackets, getting out of that 37% tax bracket, moving yourself down into the twenties and the teen Speaker 0 (00:13:58) - Reducing your marginal income tax bracket with offsets from this investment. People really celebrate your track record. Tell us about those cash on cash returns and just about that income stream that one has historically gotten. Speaker 3 (00:14:14) - The cash on cash return is uh, right around 26. I think it's 26.1% cash on cash return. Yeah, the IRR is a bit lower. It's uh, right around a 20% i r r. And so you mentioned it earlier about how an at t m machine really actually does depreciate, like, and I'll give you sort of the analogy when you do, when you take depreciation against, let's say a multi-family apartment building and let's say 10 years down the road, you sell that multi-family apartment building for a gain, you not only pay tax on the gain, you also recapture all of that depreciation that you've used and, and now you get taxed on that as well. So it's very different in an at t m investment. In an at m investment, you don't recapture the depreciation, you get a tax break and that depreciation, you never recapture that. So you really need to almost count that into your total return because that affects your bottom line, that affects your tax impact and you never recapture it. And so you'll notice unlike brick and mortar where normally your cash and cash return is lower and your IRR is higher because you get that residue from sale here, it's flip flopped just totally different. And then you get a higher cash on cash return, a lower i r, but it's because of the loss of value of your equipment over that seven year period Speaker 0 (00:15:36) - In real estate, when you relinquish a property and sell it, unless you do a 10 31 tax deferred exchange, yes you have to pay back the depreciation that you were writing off all of those years. You don't have that obstacle, you don't have that problem with ATMs. And yes, you typically hear about IRRs, which all call synonymously total rate of returns in your real estate as being higher than what your cash on cash return is. But here, this is inverted. This is a cash flow centric investment. And part of the reason why is because your machines, they do go down in value over time. Why your cash flow stays at a steady high rate, 26.1% in this case, Speaker 3 (00:16:16) - It's been a fun asset class. And it's interesting, you know, you talk about how the depreciation works and you try to introduce somebody who's not real savvy on the tax side. You talk about how it works and how it will affect them, and then they see it on their tax return. It's like, oh my goodness, yeah that works. Like you said, I'm like, oh, well yeah, it becomes part of many of my investors' tax planning on an annual basis. It is part of my annual tax planning. And so it becomes one of those things where it's just easy to start kind of collecting 'em and, and making it sort of an annual thing where you just collect more at t ATM machines, keep yourself tax efficient and and really start building those massive income streams. Speaker 0 (00:16:57) - Well, you can learn more and get ahold of the proforma and learn more about ATM performance and the projected future use patterns and how to get started as investor if this interests you at gre marketplace.com/atm. Dave, thanks for the great update on ATMs. Speaker 3 (00:17:15) - All right, thanks Keith. Speaker 0 (00:17:17) - You listening to get rich education. We've got more with Dave when we come back on car washes. Why they're so lucrative, especially when you add a subscription model. I'm your host Keith Wein. Hold with JWB real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get firstname.lastname@example.org slash g rre. That's JWB real estate.com/g rre GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally though even deliver your custom plan for growing your real estate portfolio. email@example.com. Speaker 4 (00:18:44) - This is the Real Wealth Networks Kathy, Becky, and you are listening to the Always Valuable Get Rich Education with Keith Wine Hole. Speaker 1 (00:19:04) - Welcome Speaker 0 (00:19:04) - Back to Get Risk Education. Car washers are a remarkably lucrative real estate business. It's enhanced with a franchise model and selling subscriptions to car wash customers. That's how you get that recurring revenue. So a rainy week doesn't wash out your profits. In fact, in the Wall Street Journal it recently said, and I quote what they wrote here, there is no other operation on a one acre site that can do one to two and a half million dollars in sales and pocket half of that. So our guest expert, Dave, is back because he helps you get investment returns without having to actually operate the car wash yourself. So Dave, tell us more. I know for example, much like other real estate location of a car wash is vital Speaker 3 (00:19:53) - Even more so with this type of car wash because the whole system is set up to get you a quality wash in two to three minutes. It's designed to get you off the road and back on the road in less than three minutes. So if you can put a really good product like this carwash, everybody that I've ever talked to, whether it's a franchisee, an owner, a a subscription customer or a one-time user, everybody gives Tommy's express carwash a giant thumbs up. It's about volume and you put that on a busy street corner or you know, there's all kinds of metrics that we like and you know, it's, you gotta be where people are already going. You're not creating a an environment where you're drawing people to somewhere you want to. It's all about creating habits. On a Monday morning, my wife gets in her car and she, about eight 15 in the morning, she goes down to Wegmans about a 15 minute drive. Speaker 3 (00:20:50) - And I promise you if you would introduce her to Tommy's and she would get a car wash when she goes to Wegmans on that Monday morning, she would do that two or three times. She'd be a customer for life. Like she now created a habit kind of like a Starbucks creating a habit. So what we're doing is we're putting this asset in a really good location. Recreating an environment where you don't have to wait in line for 10, 15 minutes, five minutes, get your car wash. It's not one of those white glove people wiping your, it's automated. You get a really good quality wash in two to three minutes. You can get in and out quick. Speaker 0 (00:21:26) - You help partner investor money with a model that's proving itself with the Tommy's Carwash Express franchise like you just mentioned. So technology really adds the efficiency of getting cars through the carwash quickly in order to make this more lucrative. And Tommy's is very tech forward. For example, I know that customers buy subscriptions and they typically use a phone app Speaker 3 (00:21:52) - To the point of technology and efficiency. You know, you're talking, especially over the last three years now, what was one of the top concerns or one of the top challenges for employers was getting good quality people. I mean look no further when you go to busy restaurant and you know, I mean there there was some real challenges in finding good employees. One of the things, you know, and then this is due to some of the technology that you just mentioned. You know, we got, because of the systems and technology, we can run two to 300 cars per hour through the scar wash to get washed and maybe even better you can do that with two to three people on site. So very limited overhead in terms of wages employees, you can pay those employees much better because you don't have like 30 of 'em, you got three of 'em. And so really the whole business model, and it also comes back to what you shared earlier about the operating margins. You got 45 to 50% operating margins in this business. It's in terms of percentage, it's one of the most lucrative businesses that I know of and it's just fun business to be involved in. Speaker 0 (00:23:00) - Yeah. Now when you talk about moving two to 300 cars per hour through a car wash, are you talking about, you know, physically we think of a car wash Now are we talking about one long tunnel with the rate like that? Or are we talking about multiple bays? Speaker 3 (00:23:16) - Normally it's one long tunnel and the longer the tunnel, the more you can, you know, there's different speeds that you know the track will take you through. And there's different things inside the carwash you can activate depending on how busy, I mean it, it really is. They're real car wash nerves. I mean they're techies and it, they really did perfect this product to the point where let's say you have a 100 car wash hour where you're putting a hundred cars through in an hour and now now you get into the busy time where it's, you know, people are getting off of work where it, now you're ramping up to two to 300 cars per hour. The speed varies on the track and it's, you know, different features of inside the tunnel kind of kick in because of the volume. So there's a lot of automation, a lot of technology going on inside the wash Speaker 0 (00:24:02) - As society changes, you know, whether it's a gasoline powered car or it's an EV or it's diesel, they all need to go through the car wash. We're talking about that rate at which cars get washed, which is actually pretty important because if I'm a car wash customer, you're talking about your wife's habits earlier with washing her car. If I think about getting my car washed, but I see a long line over there, why might not even go in and use that car wash. And then I'll start to think, oh well what good is my subscription? So keeping that wash tunnel moving also keeps the line short besides increasing your rate of income. Speaker 3 (00:24:37) - Yeah, for sure. And there is, you know, talking about subscriptions, we're not all about subscriptions, but there's kind of a sweet spot and we figured out that sweet spot's somewhere into 55, somewhere between 50 and 60%. It's where you really want your subscription numbers to be. You don't want 100% subscription model. If you were at 90%, that means your subscription model, you're not priced right. Almost like charging $500 a month for your apartment building and you're always a hundred percent occupancy. It's not good. Speaker 0 (00:25:09) - It's a problem. Not Speaker 3 (00:25:10) - Joking. Yeah, that is a problem. Yeah. So that's sort of the things we're watching. We do want a nice mix of retail customers. We think kind of that sweet spots in that 50 to 60% subscription model range. Speaker 0 (00:25:22) - Oh that's a great point. And that's really interesting when you think about business models and a lot like apartment buildings, car washes are based on their income stream amount, but you're gonna have a different set of expenses with a car wash than you will. And apartment building of course, like you're going to have expenses for example, for water and detergent. Dave spoke a bit about how they keep the labor costs down by having fewer people on site, largely through the use of technology. So we're talking about an innovative car wash type here that's proven itself. Tommy's expressed car wash, their footprint geographically just keeps expanding and expanding and expanding. And in fact Dave, I know when we talked about this last year at least, that that time only Panera Bread in Chick-fil-A, they were the only two franchises that had higher sales revenue per location. Wow. Speaker 3 (00:26:11) - We're at number three and we're hoping to get to number two here in short order. But, uh, chick-fil-A, that's a hard one to beat , but uh, yeah, no, it's uh, one of the top performing franchises in the anti our country, Speaker 0 (00:26:24) - Chick-fil-A. Those two crucial pickles on that chicken sandwich. You know, it's, it's really hard to, to compete with there. You need a really efficient car wash to outdo that as far as it is on the investment end and how that actually looks like for one that wants to come alongside you and participate. Before we talk about what the returns look like, talk a a bit about how that is looking for current investors that are already in this investment. Since we first discussed this last year, Speaker 3 (00:26:52) - We launched this fund as a debt fund. We got into it fairly slowly. We were building a couple washes and we knew that it was gonna ramp up, but we had a lot of work to do on the front end. We were, we had lots that were under contract that we were working on permitting. So we started as a debt fund. We launched phase two as sort of a semi equity, I mean it was an equity fund but it, it sort of captain investor 1.75. You got all the depreciation. The depreciation was not, you didn't have to recapture the depreciation cuz you're dealing with a lot of equipment. In fact, car washes are very unique in that you can take bonus depreciation on the building as if it were equipment. Like you don't need cost sake studies, you don't need you just bonus depreciation the thing out like, you know, the entire building, like it was a piece of equipment right up front. Speaker 3 (00:27:39) - First year, that's rare. Yeah. And then we sort of ran through that model and we have eight operational sites today. We have seven more coming outta the ground right now. We expect to be somewhere around 20, uh, fully operational by the end of the year. And here's the exciting part, here's the fun part. We're we're looking to build a hundred of these in five years. Wow. And so to really ramp up and take us, get us into phase three and phase two worked great. Investors got all the depreciation, they got all of the cash flow. I'm working free by the way. They got all of the cash flow until they get to their 1.75 and then they exit, then the GP partners start making money. But that model why it worked very good and it's gonna get us to about 30 ish car washes. We're ramping up. Speaker 3 (00:28:33) - We wanna go under and we're retooling our model. Now that we've uh, got a little bit of experience under our belt, we see how our operations team is operating and see how these car washes are really taken off and really how our team has made these things perform. We want to go to a hundred and to get to a hundred, we're retooling the model. Our investors have spoken. They said, man, we really wanna be, you know, a little bit, kind of give some of that backside you talked about the Wall Street Journal article on Wall Street Journal came out and said that there's PE firms paying 18 to 20 x multiples on EBITDAs and it's just super aggressive. So our investors like to hear that, but they wanted a piece of the upsides. We listened to our investors, okay, we're rolling out an equity model. Speaker 0 (00:29:19) - And just to back up to jump in. So Dave had been talking about the debt side about how previously this was a raise on the debt side and now in the future going forward, this is how you can get in on the equity side investment of car washes. Speaker 3 (00:29:32) - It is an equity model and it's gonna allow the investors, it's gonna allow all of our investors to not only be a part of the backend, but there's gonna be a 10% preferred return. There's gonna be aggressive cash flow throughout the hold and the exit. Um, investors gonna be with us all the way through and be a part of that upside, be a part of the exit. Speaker 0 (00:29:54) - Talk to us about any of the threats that might be out there, whether that's threats to just the overall model of car washes five, 10 or 20 years down the road, and then what the competition is like Tommy's expressed car wash versus other car washes. What are some of the threats Speaker 3 (00:30:10) - We've seen, much like our investors have spoken and expressed their desires to be a part of the upside and we're getting ready to rule that out to 'em. The general public has given their opinion, uh, with their wallets. And so when you get to understand this model and, and how it works, and then you start paying attention to a lot of the other car washes out there and the look and appearance and how they work. And it takes longer and there's lines and you know, some of 'em are full service and you know, it's pretty inconsistent, but consumers have spoken and they want this product and Tommy's kind of the innovative leader in the car space. And so they're really all about just listening to the consumer and get them what they want. Consumers want a good quality wash for a fair price and they want to get it quickly and efficiently. And that's what we're delivering. So there's competition in the space. There's only one or two competitors of ours who we would say, okay, they are there so we're not building across the street. There's not really a need for us to be there if there's that competitor is there. But most of our competitors, if we were to put a Tommy's Express in a neighborhood, we would steal the show and we have what consumers want and they'll come to us. Speaker 0 (00:31:30) - When I think about long-term use patterns, Dave, just anecdotally I think of my own lifespan, I only seem to notice more car washes in cities as time goes on per capita. Not fewer. In fact, growing up my dad used to wash his car by hand in or right next to the garage or old Subaru legacy station wagon. Sometimes I would help him out. Well, he doesn't wash it anymore. It's more efficient to go drive through a car wash. That almost seems to be a vestige of yester year where you would regularly wash your own car in your driveway. Speaker 3 (00:32:02) - Well there's two things there. One is there's a lot more people live in an apartment buildings and, and less out in the country in suburbia. So the, even having the ability to wash your car in some places doesn't make sense. But there's another thing too. You know that by the time I started regularly using a car wash where I actually had to pay some organization to wash my car, I could have bought the car wash . Now, I mean you see it all the time. You got teenagers who's got a nice vehicle and they don't even think twice. They're going through and spending eight or 10 or 15 bucks to wash their car. And I was like, oh my goodness. Okay. But times are changing and it's becoming a standard thing to get your car wash, your car wash and forget the garden hose and the bucket and the soap, Speaker 0 (00:32:43) - The carwash I use most regularly, the highest tier one now costs $18. That's where they use, you know, rain X on the windshield and everything else. But as far as when it comes to the investor perspective, this is one of those investments, Dave, where you recently spoke at the conference that people are lining up at the back of the room to want to learn more because they're so interested in this investment. I know oftentimes car washes have high cash flow and high tax efficiency for the investors. So tell us about how that's expected to look here On the equity side, Speaker 3 (00:33:13) - You get a hundred percent bonus appreciation over five years. You get a big chunk of that in the first year because of the amount of development that we have in the fund, you're getting less than half of it the first year, around half of it, maybe just a little bit less than half of it the first year. So you get a big chunk of your depreciation in year one and then you get the rest of the depreciation and it's four years following that. It's a pretty aggressive on the depreciation side. But then on the cash flow side, 10% preferred returns. You've got multiples that are in the two and a half to three x in five to seven years, you're talking aggressive returns and you're talking aggressive, uh, bonus depreciation for tax impact, Speaker 0 (00:33:57) - You need to be an accredited investor. And what's the minimum investment? Speaker 3 (00:34:02) - So minimum investment is a hundred thousand dollars and you do need to be an accredited investor. Speaker 0 (00:34:07) - Tell us about the expected hold time. Speaker 3 (00:34:09) - We're modeling it five to seven years. So while a private equity firm and with Sam some pretty lucrative offers already, but we've seen, let me back up a second. So this industry is so fragmented that the biggest player in the room has accounts for about 5% of the global revenue. Wow. So that's how fragmented this space is. So there's real opportunity and institutions are desperately trying to get their foot in the door because they see that it's a recession resistant business. They see that it's a, it's got strong operating margin. The Wall Street Journal talked about that where, you know, just crazy operating margin. So they're desperately trying to get their foot in the door and get a foothold in the space and get a little traction in the space. They're not hardly any people who they can write a hundred million checks to. We're building a portfolio that somebody would be able to write a billion dollar check for in a couple years. And so when that happens, we feel like the more mature this space, the more mature this portfolio is, the more cream we can squeeze out for our investors. And so that's where we're going with it. We don't believe that we exit in two to three years, but it could happen. But we're modeling out for five to seven years Speaker 0 (00:35:30) - In case it takes that long to Sure. Get returns on the conservative side, five to seven years. And yeah, I, I learned a little something there. Okay. The biggest player in the space only has about a 5% share. Very fractured, much like real estate itself is well day's, one of our G R E marketplace providers, you probably already know that. So if you wanna learn more, I'd encourage it and see what makes this business so lucrative. You could do that at gre marketplace.com/carwash. Dave, it's really been stimulating to think about some of these alternative real estate investments. Thanks so much for coming back onto the show. Speaker 3 (00:36:07) - Thanks Rob me Keith. It was fun Speaker 0 (00:36:15) - On the ATMs with 100 4K invested that has recently generated $2,262 per month, 2262. And they've never missed the monthly distribution or their proforma return target. And if you go invest quite a bit more than that amount, there is something new to announce. And that is the existence of financing with ATM investments that has the potential to amplify your return some more. So with ATMs, it's a strong cash on cash returns and the I R R along with the quick return of capital, that's what's making it so popular. They have been delivering them to this group for more than a decade now. Now the operator, Dave, he's really proud of what they're doing and that's why he wants to give the opportunity for you to get on the ground in person and see just what they're doing. In fact, in only 10 days, there's a car wash and self storage investor tour. Speaker 0 (00:37:19) - Yes, it is a one day investor tour on May 18th in Columbia, South Carolina. And you are invited. You'll see a Tommy's Express carwash and Moore meet the team, ask questions about the business plan. There is no cost to attend. You can meet Dave there as well. You'll learn more about that and with hotel accommodations and everything else after you get the free investor report. At G R E Marketplace, we're talking about world class operators in the car wash space here. When you have multiple diverse income streams in your life, what you've done is you've made your income resilient. So to connect more and learn more and see proformas on adding an income stream to your life in the at m space, if that interests you, firstname.lastname@example.org slash atm. For car washes, visit gre marketplace.com/wash. Until next week, I'm your host Keith Wein. Hold. Don't quit your daydream. Speaker 5 (00:38:27) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L L C exclusively. Speaker 6 (00:38:55) - The preceding program was brought to you by your home for wealth building. Get rich education.com.
In this episode of The Payments Show Podcast, I spoke to PJ Gupta who is the Founder of Checkbook.Checkbook is a platform which enables organisations to reduce the costs and overheads of handling and processing cheque payments. It supports a variety of flexible deposit options enabling recipients to choose the deposit option that best suits their needs.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Why Check / Cheque Usage Is Increasing 2. The Challenges for Business Payments3. Software vs Rails4. What Problems Does Checkbook Solve?5. Use Cases vs Rails6. Single API7. The High Cost of Exceptions8. Ultra Low Cost, Fast Payments9. Convenience: No Signups10. Increasing Efficiency By An Order of MagnitudeAnd much more…Details:- Recorded on 26 Apr 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: PJ Gupta, Founder, Checkbook[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Checkbook: checkbook.io | @checkbook
Guest: Rachel Pike, COO at Modern TreasuryPayment operations startup Modern Treasury is not afraid to do things in “our own weird way,” says COO Rachel Pike. Its values statement is a 150 word essay, it has gone viral by writing about nerdy ACH payments minutiae, and it has an unusual rule for quarterly internal reviews: No slides. Instead, departments have to write one to two page essay, which are packaged together and then shared company-wide, and with the board. In previous jobs, Rachel laments, she and her coworkers would waste time “pushing pixels” around 50-slide decks. “It [the essay] actually takes more thinking and less hours to put together a summary of, ‘where have we been?'” she says.In this episode, Rachel and Joubin discuss the state of San Francisco, the value of tradition, hunger to learn, the Draper Fisher Jurvetson split, the opportunity cost of staying put, HIPAA and startups, two-entrepreneur households, career transition coaching, “try before you buy” hiring, learning to be remote, the downside of grasping, and fixing inequalities in compensation.In this episode, we cover: Why Rachel doesn't like talking about herself (01:20) Job-hopping and the Bay Area (02:38) Early adopters vs. brilliant innovators (05:16) Why Rachel left academia (07:44) “I got a phD in startups” (10:24) The “nights and weekends” gig at AngelList (14:05) Describing startups to aliens (16:50) Four years at Grand Rounds (18:28) What makes Modern Treasury “modern” (21:51) How she got hired as employee #1 (24:16) Advice for wannabe early-stage startup workers (30:18) “Wonder is contagious” (32:00) “Do it right the first time” (35:09) Hacker News and other growth levers (38:20) The excitement of scaling (40:49) Advisors and quarterly planning essays (44:02) Forced prioritization (49:20) Hard feedback (51:50) The working with Rachel doc (54:19) How Modern Treasury does comp and bonuses (57:21) What's past is prologue (59:43) Who Modern Treasury is hiring and what “Grit” means to Rachel (01:02:00) Links: Connect with Rachel Twitter LinkedIn Connect with Joubin Twitter LinkedIn Email: email@example.com Learn more about Kleiner Perkins This episode was edited by Eric Johnson from LightningPod.fm
Gefühlte Fakten - Folge 191: Probleme nach der Hochzeit! Diese Folge beinhaltet sehr viele learnings, einige ROIs und definitiv eine Menge sunk cost. Außerdem gewöhnt sich Christian "Marketing-Hochstapler" Huber so langsam daran, dass er mit Frau Huber verheiratet ist. Tarkan klärt mit dem Wikipedia Eintrag der Woche über das "Rennen der Praktikanten" auf und sucht verzweifelt nach einem japanischen Song den er mal gehört hat. Der klingt ungefähr so: "Nanamalalana nanana-" wobei ne, eher: "Malalanana manana", ne! Nicht ganz! Ach mann! Es ist hoffnungslos... Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/gefuehlte_fakten Folgt uns: [https://Instagram.com/TarkanBagci ](https://Instagram.com/TarkanBagci) [https://Instagram.com/Christian_Huber](https://Instagram.com/Christian_Huber)
Also wenn das keine klassische TWHS-Folge ist, dann wissen wir auch nicht weiter. Diese Woche haben wir so ca. 50 verschiedene Themen im Angebot, hier kommen drei im Schnelldurchlauf: Donnies Steuerberater ist und bleibt weird. Donnie findet, dass Mathematik auch Spaß machen kann? Madeira – ohne Donnie! Ihr hab die ganze Sache doch eh schon in euren Hörlöchern drin, also was schreiben wir uns hier eigentlich noch die Finger wund. Mehr über die Magie der Mathematik, Trolle und schwäbische Bauern gibt's in der Folge! Ach so: #VanLife! Bock auf Merch? Hier geht's zu Donnies Supergeek-Shop: https://supergeek.de/de/donnieosullivan/ Feedback oder Fragen an Donnie? Schick eine Mail an firstname.lastname@example.org!
Nuacht Mhall. Príomhscéalta na seachtaine, léite go mall. * Inniu an dara lá is fiche de mhí Aibreáin. Is mise Barra Mac Giolla Aoláin.Fuair an Chúirt Choirúil Speisialta Gerard Hutch neamhchiontach i ndúnmharú David Byrne, a lámhachadh in Óstán an Regency i dtuaisceart Bhaile Átha Cliath seacht mbliana ó shin. Bhí an dúnmharú mar chuid den imreas idir dronga coireachta Hutch agus Kinahan. Dúirt na breithiúna, cé go raibh fianaise sa triail le tuiscint go mb'fhéidir gur thug Gerard Hutch a bheannacht don ionsaí a eagrú, ní raibh a dhóthain fianaise ann le rá go raibh sé féin ann ar an lá go pearsanta. Ciontaíodh beirt fhear eile i gcabhrú le heagraíocht choireachta David Byrne a dhúnmharú. Sin iad Paul Murphy, tiománaí tacsaí, 61 bliain d'aois, agus Jason Bonney, tógálaí, 52 bliain. D'fhag Gerard Hutch an chúirt ina aonar agus níor fhreagair sé ceisteanna na nuachtóirí.D'áitigh iar-sheanadóir na Stát Aontaithe George Mitchell ar cheannairí an Tuiscirt chun gníomhú le “misneach agus gaois” mar a rinne a réamhtheachtaithe 25 bliain ó shin. Bhí Mitchell ag glacadh páirt san imeacht “Aontú 25” in Ollscoil na Banríona ina gceiliúradh comóradh Chomhaontú Aoine an Chéasta. Tháinig go leor de phríomhúdair an Chomhaontaithe le chéile i mBéal Feirste an tseachtain seo. Roinn iar-Phríomh-Aire Tony Blair, iar-Uachtarán Bill Clinton agus iar-Thaoiseach Bertie Ahern an stáitse le chéile. Bhí teachtaireacht shoiléir acu do na ceannairí sa tuaisceart chun oibriú go dian agus an tionól a athbhunú sna sé chontae.De réir tuairiscí, rinneadh ionsaí ar Ambasadóir an Aontais Eorpaigh go dtí an tSúdáin, an tÉireannach Aidan O'Hara, ina theach cónaithe. Tuigtear go bhfuil an taidhleoir ceart go leor ach dúirt an Tánaiste agus Aire Gnóthaí Eachtracha Micheál Martin gur "sárú mór" ar Choinhinsiún Vín a bhí san ionsai seo. Maraíodh thart ar 200 duine agus gortaíodh 1,800 go dtí seo mar thoradh ar chogaíocht idir Arm na Sudáine agus grúpa paraimíleata. Tá an chuid is mó den troid le feiceáil i bpríomhchathair na tíre Khartoum. Tá an grúpa seo míshásta leis na pleananna don aistriú ó riail mhíleachta go sibhialtacht. Ach faoi láthair tá go leor Súdánach ag lorg síochána agus cobhsaíochta. * Léirithe ag Conradh na Gaeilge i Londain. Tá an script ar fáil i d'aip phodchraolta. * GLUAIS neamhchiontach - not guilty dronga coireachta - criminal gangs iar-sheanadóir - ex-senator misneach agus gaois - courage and wisdom taidhleoir - diplomat cobhsaíocht - stability
Hagrids Hütte - Der Harry Potter Podcast
Hallo und herzlich willkommen in Hagrids Hütte. Ach nein, wir sind hier ja in München! Es war wieder einmal wunderbar die Kapitel live mit euch zu besprechen! Bei der ganzen Aufregung haben Manu und Michel natürlich vergessen zu sagen, wie die beiden Kapitel heißen. Eieieieiei, das ist ja noch nie passiert. Ich hole das jetzt schnell nach: Es ging um Kapitel 13 "Die Registrierungskommission für Muggelstämmige" und Kapitel 14 "Der Dieb". Darin passiert vieeel Spannendes! Unser Trio ist ja bereits ins Ministerium eingebrochen und nun geht es darum auszubrechen. Doch wo landen sie nur? Wieder im Grimmault Place oder doch ganz woanders? All das finden wir heute heraus, natürlich auch mit einer ordentlichen Portion Quatschi und Spoiler. Viel Spaß! Werbung: korodrogerie.de - Code HÜTTE für 5 % Rabatt auf deine Bestellung every-foods.com - Code HAGRIDSHÜTTE für 10 % Rabatt auf deine Bestellung
Es darf wieder getourt werden: dieses mal verschlägt es unsere dezimierte Reisegruppe ins Herzen Englands nach London zum Rückspiel des Champions League Viertelfinals gegen den Chelsea FC. Auch wenn die zwei Sound-Nasen des Teams fehlen, schlagen sich Felix und Tobi wacker auf dem Weg zum Stadion und bekommen dabei sogar unverhoffte Unterstützung. Während Toni sich also hochkonzentriert auf das bevorstehenden Spiel vorbereitet und sicherlich das obligatorische Schläfchen hält, bestreitet unsere illustre Herrenrunde eine amtliche Sightseeing-Tour samt Pub, Wachwechsel und Big Ben – marvellous! Ach und das Spiel wurde selbstredend souverän gewonnen und Real Madrid zieht – nicht zuletzt auch wegen unseres (O-Ton Motzki) Superstars Toni – verdient ins Halbfinale der Champions League ein und trifft damit erneut in der nächsten Runde auf Manchester City. Hala Madrid! Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/EinfachmalLuppen
Jabroni University » Jabroni U Podcasts
Due to equipment failure, we weren't able to give you more timely coverage of Sakura Genesis, but on the plus side, we've got NEW GEAR! Daniel and Bonesaw talk about the events of Sakura Genesis and Capital Collision, and then scheme some fantasy booking soooo good, that it would be crazy not for Gedo to get on board with us! Also, uh oh! The bleep button doesn't work, so you may hear some swearing!
Fé mar is eol don saol Fódhlach tá ganntan tithíochta ar fud na tíre, agus géarchéim tithíochta ar cheann de na dúshláin is mó atá roimis an Rialtais. Ach tá mórán Éireann tograí tithíochta beartaithe don Daingean.
Nuacht Mhall. Príomhscéalta na seachtain, léite go mall. * Inniu an cúigiú lá déag de mhí Aibreáin. Is mise Gráinne Ní Bhrosnacháin. An tseachtain seo, thug Uachtarán na Stát Aontaithe Joe Biden cuairt ar Éirinn. Ba é an ceathrú Uachtarán ó na Stáit Aontaithe a tháinig go dtí an t-oileán. Chuaigh sé go Béal Feirste ar dtús chun ceiliúradh a dhéanamh ar Chomhaontú Aoine an Chéasta. Bhí cruinniú aige le Príomhaire Shasana Rishi Sunak agus labhair sé in Ollscoil Uladh. Chuaigh sé ar aghaidh go Cairlinn i gContae Lú, an áit a rugadh a sin-sin-seanathair Owen Finnegan, a chuaigh go dtí na Stáit Aontaithe san 1840í. Tá gaolta le Biden fós ina gcónaí ann. Chaith sé am ag siúl timpeall Dhún Dealgan agus dúirt sé gur mór an onóir é teacht ar ais go hÉirinn agus gur bhraith sé go raibh sé ar ais ag baile. Thug sé cuairt ar Uachtarán na hÉireann Micheál D. Ó hUigínn in Áras an Uachtaráin agus bhuail sé leis an Taoiseach Leo Varadkar ag Teach Farmleigh i bPáirc an Fhionnuisce. Labhair sé os comhar na bpolaiteoirí ó Dháil Éireann agus ón Seanad, agus é ag moladh an naisc leanúnaigh idir Éire agus na Stáit Aontaithe. Chríochnaigh sé an tráthnóna le fáilte oifigiúil i gCaisleán Bhaile Átha Cliath. Chaith sé an lá deireanach i gContae Mhaigh Eo. Thug sé cuairt ar Chnoc Mhuire agus ar Bhéal an Átha, an áit a rugadh a sin-sin-sin-seanathair Edward Blewitt, a chuaigh go Meiriceá le linn an Ghorta Mhóir. Bhí ceolchoirm ar siúl sa bhaile leis na Coronas, The Academic agus na Chieftains ag seinm. Tháinig na mílte daoine go dtí an baile chun fáilte a chur roimhe. Labhair sé faoin nasc atá aige leis an gceantar agus lena mhuintir i mBéal an Átha i gcaitheamh na mblianta, gur chuir sé sin go mór leis an lá tábhachtach pearsanta a bhí aige in éineacht leis a chlann féin ar an turas seo. Sa Fhrainc, tá an Chomhairle Bhunreachtúil tar éis cead a thabhairt don Uachtarán Emmanuel Macron chun an pinsin a athchóiriú le go mbeidh ar dhaoine dul ar scor ag ceithre bliana is seasca d'aois. Bhí agóid i gcoinne an athchóirithe ar siúl i bPáras agus i mbailte eile timpeall na tíre. Tá daoine ar buile leis an Uachtarán as an tslí a chuir sé an t-athchóiriú tríd ag baint úsáid as Airteagal 49.3 de Bhunreacht na Fraince gur féidir an rialtas dlí a thabhairt isteach gan vóta ó pholaiteoirí. Nuair a chuaigh an bille tríd ar dtús ar an séú lá déag de mhí an Mhárta bhailigh slua mór daoine le chéile le bheith i mbun agóide. Cuireadh isteach ar sceideal na n-eitleán, na dtraenacha agus an bhailiúcháin dramhaíola. Dúirt an tUachtarán go bhfuil air an aois scoir a ardú chun é a mhaoiniú agus go bhfuil sé riachtanach don tír. Dúirt na ceardchumainn go bhfuil slí eile chun cothromaíocht a fháil ar chóras an phinsin. Tá bean darb ainm Beatriz Flamini 500 tar éis lá a chaitheamh ina haonar istigh i bpluais in Granada sa Spáinn, mar chuid de thurgnamh ina raibh eolaithe ag déanamh staideár agus monatóireacht uirthi. Dúirt sí nach bhfuil eolas aici ar aon rud a tharla sa saol mór ón lá a chuaigh sí isteach ann ar an aonú lá is fiche de Mhí na Samhna 2021. Chaith sí a cuid ama ag aclaíocht, ag tarraingt agus ag cniotáil caipíní. Léigh sí 60 leabhar agus d'ól sí 1000 lítear d'uisce. Bhí idir shíceolaithe, thaighdeoirí agus uaimheolaithe ag faire uirthi. Nuair a tháinig sí amach as an bpluais, dúirt sí gur chaill sí a tuiscint ar imeacht na haimsire tar éis di dhá mhí a chaitheamh sa phluais agus gur éirigh sí as comhaireamh na laethanta. An uair ba mheasa a bhí aici nuair a tháinig plá cuileog isteach á clúdach. Ach nuair a tháinig sí amach as an bpluais bhí sí sásta agus dúirt sí go raibh am iontach aici. * Léirithe ag Conradh na Gaeilge i Londain. Tá an script ar fáil i d'aip phodchraolta. * GLUAIS sin-sin-seanathair - great-great-grandfather fáilte oifigiúil - official reception athchóiriú - reform bailiúchán dramhaíola - waste collection pluais - cave uaimheolaithe - speleologist plá cuileog - invasion of flies
Tá go leor airde dírithe ar chomóradh comhaontú Aoine an Chéasta le roinnt seachtaine anuas. Ach cé gur bunaíodh tograí chun bonneagair an réigiún a fhorbairt le cúig bliana fichid anois, tá grúpa i nDoire Cholmcille den bharúil gur cuireadh an iomarca béime ar an gcósta thoir agus cathair Béal Feirste go háirithe.
Staff writer, Zoey Maraist, reads some of the articles from the ACH's latest issue.
What is Same Day ACH? Coffee Break Session Host Jason Campbell catches up with Strategic Treasurer's Managing Partner, Craig Jeffery, to chat about Same Day ACH. They discuss use cases for ACH, restrictions, and why Same Day ACH is not the standard. Listen in and learn a little bit about Same Day ACH.
As we move away from diversity and inclusion month and back to life as we know it, my guest this week gets us back on track as a true leader in the payment industry with a successful business targeting one of the more compelling industry buzzwords these days: open banking. But Link Money Cofounder and CEO Eric Shoykhet will be the first to tell you that open banking, as a concept in the U.S. anyways, doesn't really exist…For those of you who may not know, Link Money is a company that provides a pay by bank solution in the United States that enables merchants to allow their customers to pay from their bank account as part of the standard check out flow. This includes everything from ecommerce and insurance to parking, storage, and remittances, with a target prerequisite of high frequency and larger volume transactions. Why? Because this is where the real benefit is realized for merchants and customers alike.Just like most everything else in the world these days, interchange rates are rising at an astronomical rate. One of the biggest benefits of using a pay by bank solution like Link Money is the ability to take your transactions off the credit rails, onto the ACH rails, and offer a more cost effective and more secure way to pay. For merchants, the benefit of using Link Money is the ability to reduce transaction costs by up to 70-80%, and even higher for some use cases. Additional benefits include less fraud and an overall reduction in payment churn.Tune in this week to hear Eric talk about his journey to CEO, including why the US tends to be so far behind in the open banking concept, and where he sees the industry going in the next few years as it relates to fewer payment methods, a narrower focus on payments strategy, and the inevitable transition in customer psychology that is already happening today.
Jabroni University » Jabroni U Podcasts
Ok, for real this time! Daniel and Bonesaw talk about the long Wrestlemania 39 weekend and review their favorite parts of GCW The Collective, NJPW x Impact, and Wrestlemania 39! But first, they catch up with a quick review of the New Japan Cup!
Have you ever wished that you could get your paycheck a few days early? With early paycheck, that is now possible! Here's what early paycheck is and how it works. Links: Learn more about Triangle checking accounts that offer Early Paycheck with direct deposit Follow our Facebook, Instagram and Twitter pages! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Early paycheck is when your check is deposited into your account earlier than Friday. You may receive it as early as two days before payday. But how does this work? Well, direct deposit payments have an official payment date, which is the date employers intend the payment to be made. Most businesses use a system called automated clearing house, or ACH for short, which processes electronic payments. When employees are signed up for direct deposit, businesses use the automated clearing house system to process the check payments. The payroll file of direct deposits will then be sent to the corresponding employees' financial institutions. The deposit will then go through the automated clearinghouse system. If your paycheck is deposited before payday, your financial institution is advancing the funds to you, knowing that they will receive the money when the funds become available. If this sounds good to you, it's easy to get your paycheck early! First, look to see if your financial institution offers early paycheck. It might be called something else, like early direct deposit, or something similar. If your financial institution doesn't offer early paycheck and you really want it, don't worry, there's plenty of options to choose from. Look around at other financial institutions to see if they offer early paycheck. For example, it is included with both Triangle Credit Union's Basic Checking and Better Checking Accounts. Next, make sure that you are enrolled in direct deposit. You will need to provide your employer with your financial institution's routing number and your account numbers for checking or savings, depending on which account you want your paycheck to go. Then you're all set! It's that easy! Early Paycheck also works for US government ACH payments like social security, so if you're still waiting until Friday for a check but need it sooner for bills or other expenses, set up direct deposit and you'll likely gain access to that money sooner. Direct deposit gives you more benefits over a physical paper check. First of all, you get your paycheck on time, or early with early paycheck. With a physical paper check you would have to either pick it up in the office or have it mailed to you. Second, it eliminates the additional step of having to deposit the check, with either remote deposit using your mobile device or computer or physically going into your financial institute. If you have questions on getting started, reach out to us via our website, give us a call. If there are any other tips or topics you'd like us to cover, let us know at email@example.com and don't forget to like and follow our Making Money Personal Facebook, Instagram, and Twitter pages and look for our sponsor, Triangle Credit Union on Instagram and LinkedIn to share your thoughts. Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast. Have a great day!
Scheduled to launch by July 2023, FedNow vastly improves upon traditional interbank settlement systems like FedWire or ACH systems. It offers superior costs, scale, features, and intraday finality. Put simply, FedNow almost completely obviates the need for a US central bank digital currency (CBDC). But what does this mean for Cryptocurrencies (Bitcoin and Ethereum) and stablecoins?~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul
Jess Gillam is joined by acclaimed Norwegian trumpeter Tine Thing Helseth to chat and share the music they love. Playlist: Stravinsky - Rite of Spring - XIV Pt2 le sacrifice: danse sacrale l'Elue [Philadelphia Orchestra, Riccardo Muti] Mozart – Die Zauberflote, K.620; Act 2, no.17; Ach, ich fuhl's, es ist verschwunden [Mari Eriksmoen, Stavanger Symphony Orchestra, Jan Willem de Vriend] Massive Attack – Teardrop Ibrahim Maalouf - Una Rosa Blanca Wilhelm Friedemann Bach– Duet for 2 Flutes in E minor, F. 54 [Patrick Gallois (flute), Kazunori Seo (flute)] Tchaikovsky – Eugene Onegin, Op. 24, TH 5: Lensky's Aria [Janine Jansen (violin), Antonio Pappano (piano)] Sigrid – Mirror Janacek - In The Mists; I. Andante [Leif Ove Andsnes]
Talk ohne Gast - NJOY | Radio Fritz
Na, ihr Erfolgshasen, wann wurdet ihr das letzte Mal daran erinnert, dass das, was ihr gemacht habt, komplett sinnlos war? Moritz und Till haben da die ein oder andere Experience auf Halde und versuchen zu ergründen, wie man Qualität misst? Denn wenn das zwei Menschen wissen, dann eure 360-Grad-Qualitäts-Kings. Ach, und keine Sorge "Play drücken" ist hier nie sinnlos. Released by rbb media.
Daily Halacha Podcast - Daily Halacha By Rabbi Eli J. Mansour
The Torah commands in the book of Shemot, "Ach Ba'yom Ha'rishon Tashbitu Se'or Mi'batechem" – "but you shall eliminate leaven from your home on the first day." The Gemara explains that the "first day" mentioned in this verse refers to the 14th of Nissan, Ereb Pesach, and we are commanded to "eliminate" Hametz from our possession on this day. The word "Ach" ("but"), the Gemara explains, indicates that this requirement applies in the middle of the day. And thus according to Torah law, one must eliminate all Hametz from his possession by midday of Ereb Pesach. However, the Sages enacted as a safeguard that one must eliminate the Hametz already earlier in the day.What exactly does the Torah requirement of "Tashbitu" – "eliminating" Hametz – entail? How is this fulfilled?Targum Onkelos translates the word "Tashbitu" as "Tebatelun," which means "nullify." According to Torah law, then, one fulfills the Misva of "Tashbitu" through "Bittul" – pronouncing that he disavows all ownership over Hametz, and that he regards any Hametz in his possession as though it is the dust of the earth. However, most Rishonim maintain that there is also another way of fulfilling the Torah obligation of "Tashbitu" – by searching through our homes for Hametz and then disposing of it. After all, if simply renouncing ownership over our Hametz suffices, then certainly the physical elimination of Hametz should satisfy the Torah obligation of "Tashbitu." This is the view of the Ran (Rabbenu Nissim of Gerona, Spain, 1320-1380), who writes that even if one does not pronounce "Bittul," he fulfills the Torah obligation through "Bedika" – by searching his home to the best of his ability and eliminating whatever Hametz he finds. Even if it turns out that there was some Hametz in the home which he did not find, he nevertheless fulfilled the Torah obligation because he searched thoroughly, to the best of his ability. This is also the opinion of several other Rishonim (the Ritba and the Maharam Halawa, and of the Rambam, as understood by the Aruch Ha'shulhan). This is the view accepted by the Mishna Berura (331:1) – that one fulfills the Torah obligation of "Tashbitu" through either "Bittul" or "Bedika."However, the Sages enacted that even if one makes the "Bittul" declaration on Ereb Pesah, he must also perform "Bedika," searching his home the previous night for Hametz, and eliminating all the Hametz he finds. One reason for this enactment is that the Sages were afraid that one's "Bittul" proclamation might not fully sincere. In order to do a proper "Bittul," one might wholeheartedly and unequivocally renounce his ownership over his Hametz, without any hesitation, disavowing all interest in the Hametz. If someone is anything less than completely sincere in renouncing his ownership over his Hametz, he will not fulfill the Torah's command, and the Sages therefore required one to also search for and eliminate the Hametz in his home. Tosafot (commentaries by Medieval Ashkenazic Talmudists) add another reason, explaining that the Sages feared that one might find some Hametz in his home during Pesach and eat it. Since we are accustomed to eating Hametz throughout the year, the Sages were concerned that if one encountered Hametz during Pesach, he might mistakenly eat it. The Sages therefore required not only renouncing one's ownership over his Hametz, but also actually ridding one's property of Hametz.In any event, regardless of the reason, we both search our homes for Hametz, and also make the "Bittul" proclamation.Summary: On the level of Torah law, it suffices for one to simply renounce his ownership over his Hametz on Ereb Pesah, but the Sages enacted that we must also search our homes for Hametz the night before and eliminate all the Hametz that we find, and so we both eliminate our Hametz we find and pronounce "Bittul Hametz" on Ereb Pesach.