Podcasts about AXP

Tracey Ryniec, Zacks Value Stock Strategist, previews the 2025 Berkshire Hathaway annual meeting. (0:40) - What To Know Heading Into Berkshire Hathaway's Annual Meeting (7:30) - Breaking Down Warren Buffett's Stock Holdings That Should Be On Your Watchlist Right Now (33:20) - Episode Roundup: BRK.B, AAPL, AXP, BAC, CVX, OXY, MCO, KHC

Tracey Ryniec, Zacks Value Stock Strategist, previews the 2025 Berkshire Hathaway annual meeting. (0:40) - What To Know Heading Into Berkshire Hathaway's Annual Meeting (7:30) - Breaking Down Warren Buffett's Stock Holdings That Should Be On Your Watchlist Right Now (33:20) - Episode Roundup: BRK.B, AAPL, AXP, BAC, CVX, OXY, MCO, KHC Podcast@Zacks.com

1:10 財報季的公布順序，及可關注的一些重要公司 2:42 銀行股: 大型銀行擁有多元營收來源，關稅直接影響小 5:02 美國運通(AXP)財報法說: 關稅/消費影響的前哨站 9:10 CSX 鐵路運輸，全年運量未下調，不確定性同樣高 12:18 台積電同樣是營運表現好，電話法說表演碰壁 15:05 Don'ts: 25Q1至少平於預期，財測不能下修 16:20 聯合健康保險，法人的關稅避難所直接一夕暴跌拆家! 20:13 ASML新訂單大跌，但採購暫停本就合理，不認為是決定性利空數據 22:35 咬死關稅不確定性在後(後續可以歸咎川普)，不能主動下修財測 24:39 Dos: 直面關稅給予愈多情境分析，法人對透明度有好感 27:10 聯合航空(UAL)雙重情境下的財務預測，獲得正向反響 29:30 有投行法人Cover的大型股，要認真準備一場好的法說演講 台積電法說重點速覽: 30:30 Q1財務表現與Q2財測，全年並無下修 32:50 主動且明確否認INTEL傳聞 34:32 擴廠的規劃進度與回應，暗藏玄機(並未押期限) 38:10 美國研發中心要幹嗎? 確保製造/產線運作為主軸 41:10 總結 相關資料與文章連結: https://www.big-econ.com/index.php?sec=article&ID=3943 -- Hosting provided by SoundOn

00:00 Intro5:26 Lily - (UK) | Hinduism Vs. Christianity22:33 Caleb - OH | Morality Of The God Of The Bible29:27 John - CA | The Meaning Of The Lord's Prayer42:30 Mike - SC | Intelligent Design 1:24:15 Nick - NC | Religion And Science Can Go Together1:49:31 John - OH | Evidence For God's Nonexistence?SHOW NOTESThanks for joining us for The Atheist Experience! Today, Forrest Valkai and Justin discuss Hinduism, the morality of God, and alien intervention.Lily from the UK asks the hosts if they think Hinduism is more ethical because it lacks a hell concept. The hosts explain that when they talk about the dangers of religion, there's a spectrum. Even in their most benign state, religious and magical thinking is harmful. Hinduism, as far as the hosts understand, seems more tolerant than Christianity, but at the end of the day, it's all still dogma, just more or less progressive dogma.Caleb calls in from Ohio to discuss the morality of God. If the hosts believed in the God of the bible, would they think he was immoral? When the hosts ask him if he agreed with the morality of an unfair punishment by God, Caleb hung up.John from California calls to say that no one knows what the Lord's prayer means, but he has figured it out by watching AXP. He considers himself a biblical literalist. He says that the Lord's Prayer as said by Jesus in the bible contains a Greek word that was never used anywhere else, so we don't actually know what the translation means. But we have good resources to know how a word was used based on our knowledge of similar languages. John got dropped because he's a troll.Mike from South Carolina believes that the world is too finely tuned to not have been designed by a creator. The hosts ask him if there is a reason for natural disasters if they were designed that way. Mike says that they're punishment because of a fallen world. The hosts point out that his original argument of a finely tuned world fell apart since he had to jump to God's mysterious reasons for creating things like natural disasters. When the hosts push Mike on all of the terrible things that God has done, like murdering people, he says that it's not that bad since the people who died went to heaven. Nick from NC says that science and the bible work well together and that religion was like the first science. While the hosts can concede that ancient religions were ways to explain the world, they don't agree that current scientific knowledge and the bible complement each other. Nick says that the Adam and Eve story shows that some actions can impact future generations and others besides the individual. You have to really read into the story to get that conclusion. In the bible, it's straightforwardly about punishment. Nick mentions that he thinks that gods have been misinterpreted and that they're actually aliens.John from Ohio asks what evidence we have for the nonexistence of God. He says that if there was polytheism, chaos would ensue. But the hosts can't agree with that, because there's no way to support that claim. How could we know that there would be chaos? John claims that the hosts are militaristic atheists and extremists. John lays out a false dichotomy of the universe being created by a god or the universe was always here. Why isn't there a third choice? Why can't we say we don't know how the universe started? He misunderstands modern physicists and thinks that the big bang theory says that nothing gave rise to something. Become a supporter of this podcast: https://www.spreaker.com/podcast/the-atheist-experience--3254896/support.

We kick off this episode with a deep dive into the latest U.S. tariff announcements. Braden shares his candid thoughts on the rationale (or lack thereof) behind these so-called “reciprocal” tariffs, including how the formula used is fundamentally flawed, and why some of the moves feel more like political theater than economic strategy. We also unpack the unintended consequences of targeting key low-cost manufacturing partners outside of China, and how this could backfire on American businesses. In the second half, Simon goes through 10 companies on his watchlist as recent drawdowns have opened up some compelling long-term opportunities. Ticker of stocks discussed: TSM, NVDA, CP.TO, UBER, V, MA, AXP, CNQ.TO, MPC, TOU.TO, ASML, ISRG, GOOG Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

En este episodio, repasamos los temas más críticos del día: • Wall Street inicia con fuerza: Los futuros suben tras la exención temporal de aranceles a tecnología desde China. El $SPX +1%, $US100 +1.2%, $INDU +0.9%. Aun así, Trump mantiene la amenaza de un impuesto del 20%. Se esperan reportes de $BAC, $NFLX, $TSM y $AXP esta semana. • BP descubre petróleo en EE.UU.: $BP +3.1% pre-market tras encontrar petróleo en el pozo Far South en el Golfo de México. El hallazgo, junto a $CVX, impulsa su meta de 400K boe/día en la región para 2030. El pozo fue perforado a más de 23,800 pies. • China suspende exportaciones de tierras raras: Pekín detiene envíos clave mientras implementa nuevas restricciones regulatorias. Afecta 6 elementos pesados y los imanes refinados. A pesar del anuncio, las exportaciones subieron 20.31% interanual en marzo. • MP Materials se dispara: $MP +14.3% pre-market tras conocerse que Trump firmará una orden ejecutiva para almacenar metales críticos extraídos del fondo marino. Busca reforzar la producción nacional frente a las restricciones chinas. Un episodio lleno de tensiones estratégicas, hallazgos energéticos y el impacto directo de las políticas comerciales en el corazón de la industria global. ¡No te lo pierdas!

AXP Energy Managing Director Dan Lanskey joined Steve Darling from Proactive to announce the successful completion of the company's initial gas-to-power trial at the Pathfinder production hub in Colorado. Over a 14-day period, AXP delivered 1.5 MW/hour of electricity with 85% uptime, supporting efficient bitcoin mining operations. Following system optimizations, uptime has now exceeded 90%, marking a significant milestone for the project. AXP has secured the backing of NASDAQ-listed BitFuFu, Inc., through its joint venture partner, to advance the next phase of bitcoin mining expansion at the Pathfinder Field. The site, which has a steady supply of natural gas from AXP's 24 wells, holds further production potential to support large-scale mining operations. Looking ahead, AXP is targeting the phased delivery of 25 MW of electricity by the end of 2025. The next immediate step is expanding the first site to 5 MW, with BitFuFu supplying additional ASIC miners and equipment. Beyond the Pathfinder Field, AXP and BitFuFu are also exploring additional opportunities across North America, with AXP serving as the primary energy provider for future mining projects. #proactiveinvestors #axpenergylimited #asx #axp #otc #aunxf #BitcoinMining #OilAndGas #CryptoEnergy #BitFuFu #StrandedGas #EnergyInnovation #OffGridPower #CryptoMining #RenewableEnergy #Nasdaq #EnergyMarkets #Investment #OilProduction

Markets hate uncertainty, and it’s showing. We break down the recent volatility, from the steep drawdowns in the Nasdaq and S&P 500 to the tariff-fueled market jitters. We also discuss why knowing what you own and being diversified is so important when markets are volatile. We also talk about how the recent volatility is creating opportunities for investors with capital to deploy. We highlight stocks on our radar, including TFII, CP, Nvidia, American Express, Costco, and Amazon, and discuss what makes them interesting at these levels. Plus, why sometimes market moves have a clear reason—like tariffs or earnings surprises—and sometimes, why the reason is not as obvious. Tickets of stocks/ETFs discussed: TFII.TO, CP.TO, NVDA, AXP, COST, AMZN, MDA.TO, TMO, QXO, KSI.TO, EQB.TO, NET Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Tracey Ryniec, Zacks Value Stock Strategist, discusses what value investors can learn from Warren Buffett's move to sell shares in one of his 4 pillars. (0:30) - How Much Should You Follow The 13-F Filings? (4:10) - Investing Lessons To Learn From Warren Buffett (27:45) - Episode Roundup: BRK.B, AAPL, COST, V, AXP

DeepSeek’s latest AI model sent shockwaves through the market, triggering the largest single-day market cap decline in history. Simon and Dan break down what makes DeepSeek-R1 different, why its cost efficiency could challenge Nvidia’s dominance, and how this news could reshape the AI landscape. They also discuss the implications for Big Tech’s massive AI investments, the impact on power-generating companies, and whether Nvidia’s drop was an overreaction. Plus, earnings updates from American Express and Goodfood provide insight into consumer spending trends. Tickers of Stocks/ETFs discussed: NVDA, AXP, FOOD.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

"It's difficult to find what we're not liking" for American Express's (AXP) earnings, says Jenny Horne. A strong report bolstered by a big holiday shopping season wasn't enough to impress investors. Boeing (BA) gave its investors a heads up by noting a $3.5 billion cash flow loss for fourth quarter. Novo Nordisk (NVO) rallied after posting positive early-stage results for one of its weight loss drugs. Jenny takes a closer look into the market's reaction to these developing stories. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

S&P Futures are trading slightly lower this morning due to weakness in semiconductors. Markets are questioning the numbers and the timing of the recently announced Stargate Project. Key event today will be President Trump's speech today at Davos summit. Trump is schedule to speat at 11:00 am ET. His interview last night was rather uneventful as the focus was on his issues with former president Biden and FEMA. Central Bank meetings are on watch, the BOJ will make an announcement tomorrow, FOMC announcement on Jan 29th, and the ECB announcement is scheduled for Jan 30th. Earnings beats came in from ALK, DFS, GE, and MKC. After the bell today TXN and ISRG will report, and tomorrow morning AXP & VZ will report. European shares are mixed to higher & oil prices are higher by +0.50% this morning.

Pour le dernier épisode de l'année, on reçoit Sarahmée pour discuter de son nouvel album "Pleure pas ma fille, sinon maman va pleurer". Shogo Okada - Put It Together Shogo Okada - The Gypsy The Musalini - Feels Better Skyzoo - Community Service (feat. JRose) Jungle Jack & JeanJass - Dyonysos JRed The Doctor - 1st Chop (feat. Borden) Borden & 80Rock - ALL I NEED (Live) Youssoupha - Jusqu'à la Folie (feat. B.B. Jacques) Sarahmée - Way Too Long Sarahmée - C'est pas toi c'est moi 2FadedFeez - Where did the love go (feat. AxP) SHAH FRANK - F.O.G. Theodora - ILS ME RIENT TOUS AU NEZ LaF - Big Bang Trapmat Savior - Scraping Oks rouge & Larry Koubiak - 12 Miles Apollo Brown & Crimeapple - Pitiful Huntrill - MONOGRAMME Roc Marciano & The Alchemist - Cryotherapy Shogo Okada - Angel Gemen - FAIS LA MUSIQUE COMME TU LA SENS

In today's episode of the Atheist Experience, Forrest Valkai and The Cross Examiner, walk Jackie through some thought processes of his own before encountering questions of existence with some New Age sprinkles.Jackie in MS was not able to answer Forrest's question of whether he has any of his own thoughts. It goes absolutely nowhere when this happens. Jackie agrees not to mention the names of philosophers and to answer the hosts' questions. He argues that the existence of metaphysical things associated with religion are the reason for religion being a positive thing. What is an example of a good point you have made regarding these things? Why do you think people listening to this conversation will become convinced to believe in a god? Why do you believe a god exists? What created god that is more complicated than god? Why does the universe need a god to do what it does? Not knowing how something could have happened is not a basis to make a conclusion in the version that you like. Not only is there a magical explanation, but you know the dude that did it, and believe we must hate trans people! This could be a product from your environment, and Jackie, you deserve better than this. George in Bulgaria claims that god is pure existence and we are eternal beings. What does pure existence mean? If we agree that things exist, how do you get from there to a god or to eternal beings? What would happen to existence, if a person was born that never reacted with anyone or anything else? What does your god want you to do? If god is asleep, why should we care? What is the evidence for our consciousness producing reality? Why is this better than just saying reality exists? How can your belief be falsified? A god that does not interact with the universe is indistinguishable from a god that does not exist. What can be gained knowledge wise by testing this?Ibrahim in the USA, converted to Islam, and wants to know the strongest arguments against god. Would you say that the burden should be on us to prove things like Santa Clause are not real? When you get into the business of arguing about god, you get into different versions of god. If this god does exist, what kind of god is it? If half of the things that the Abrahamic god is said to have done are true, he is a monster. The amount of evil and suffering this god has allowed is atrocious. This is not a religion of morality, but a religion of threats.  Why would somebody believe something that is not true when there is harm associated with it? If someone could convince you to believe in absurdities, they can also make you commit atrocities. The real danger sets in when you think you know what that god wants; this is when we start seeing cults, the Crusades, and the Dark Ages. Why does god not fix the suffering in the world and why did he not choose to create a universe where this did not need to happen?The hosts are joined by Ben Clodfelter to close out the show. Thank you for tuning in this week! Question of the week is: What is an underquoted scripture at a funeral?Become a supporter of this podcast: https://www.spreaker.com/podcast/the-atheist-experience--3254896/support.

In this episode of The Canadian Investor Podcast, we begin with ASML's Q3 earnings, breaking down their net sales growth, concerning 50% drop in bookings, and how China's shifting demand could impact future performance. Next, we explore Couche-Tard's increased bid to acquire Seven & i. We also cover Amex's latest earnings with rising revenues and increased card fees. We contrast that with Goeasy's debt offering and discuss TFI International's struggles with a weakening economy.  Tickers of Stocks & ETF discussed: ASML, ATD.TO, 3382, AXP, GSY.TO, TFII.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Which Tech giant will be the 1st 5 trillion-dollar company?  We review the top 10 Tech companies to buy right now.  We also take a look at some top Warren Buffet investments and discuss how the upcoming elections might benefit your portfolio.  We also review top Nuclear Energy Investments.

Breaking down American Express (AXP) earnings, Michael Miller notes that discount revenue dragged down topline revenue growth, with spending driven by new cards. Overall, he calls the quarter solid. Andrew Graham says AXP's defensive nature is fully baked into the price as investors look for safe havens. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Joanna Smerina is an architectural designer actively pursuing licensure. As a graduate of Drexel University's 2+4 Architecture program, she earned a Bachelor's in Architecture with a minor in Construction Management, completed her AXP hours, and is now preparing for her Architectural Registration Exams. She has received awards for her leadership and design skills and was President of Drexel's AIAS Chapter. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Learn more about Joanna's work: https://issuu.com/aia_philadelphia/docs/fall_2021_context_issue https://issuu.com/joannasmerina/docs/smerina_j_2024archseniorproj https://www.instagram.com/artworkby_joannasmerina/ Connect with Joanna: https://www.linkedin.com/in/joanna-smerina-48547a192/ New Work Design Architects: https://www.newyorkdesign.com/ Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the podcast on Patreon: ⁠⁠https://patreon.com/Architectette?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Maithili Awasarikar is a passionate architectural designer and planner in the healthcare sector. She strives to design healthcare facilities beyond the medical program, integrating human well-being with innovative medical planning. She graduated from Clemson and works in Philadelphia. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Connect with Maithili on LinkedIn: https://www.linkedin.com/in/maithiliawasarikar/ Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the podcast on Patreon: ⁠⁠https://patreon.com/Architectette?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

It has been a helluva week! At least we get to have some awesome conversations. Let's do this!If you'd like to help us secure the licenses to stream, feel free to buy us a coffee! It gets delivered immediately and allows us to purchase time in callinstudio & pay for the program fees.If you'd like to get some extra features, early access, member discord and more, check us out on our Patreon: https://www.patreon.com/skepticgeneration___________________TIME STAMPS & CALL NOTES 0:00 - Eric announces a special guest next week and does some housekeeping. 5:08 -  Mitch - Skepticism is RUINING society! (Troll Call)14:38 - Amanuel - Atheism doesn't work31:02 - Ameet - Being an Indian Atheist43:29 - Tug - How to disagree effectively50:58 - Isaac - The paradox of tolerance1:02:01 - Alda - What are YOU reading?1:12:10 - Eric reads superchats5:08Mitch calls in to talk about how society has progressed DESPITE skepticism. Has industrialization been a tool of non skeptics? Is our world polluted because of the socratic method? Or is Mitch gonna troll the show yet again?14:38Banned on all other shows, Amanuel calls in. This caller says that all things come from the supernatural. Eric and Amanuel wind up talking about what Atheism means and how we ought to interact with each other.31:02Ameet calls in to talk about how the Indian atheist community is so very different from the American one! As an Indian ex christian, Ameet is wondering how he should interact in ex hindu spaces. If you have experience with other non-believing communities, tell us about it in the comments!43:29Watching call in shows and getting active means figuring out how to be heard. Eric shares some tips and tricks of the trade!50:58Isaac thinks that human experience removes the paradox of tolerance. Eric has made a video in the past about this subject, but has shifted opinions since then. What do you think of this apparent paradox?1:02:01Alda wants recommendations for philosophers to learn about.___________________Skeptic Generation is LIVE every Sunday at 11:30am-1:00pm CTCall on your phone: 412- SKEPGEN (412-753-7436) Love the show? Join us after the show on Discord: https://tiny.cc/SGdiscord To find out more, visit https://www.skepticgeneration.com Copyright © 2024 Skeptic Generation. All rights reserved.

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Victoria Clarke holds a Master of Architecture from the University of Oregon, where she focused on advanced building technologies and sustainability. Now working at The Miller Hull Partnership in Seattle, she continues to develop her interest and skills in high performance design across project types. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Connect with Tori on LinkedIn: https://www.linkedin.com/in/victoriamclarke/ Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the podcast on Patreon: ⁠⁠https://patreon.com/Architectette?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Lauren Maloney recently graduated from the University of Kansas as a part of their 5-year Master of Architecture program. While there, she developed a focus in Health and Wellness architecture and looks forward to making a difference in healthcare settings as an Associate at a firm in the Midwest. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Connect with Lauren on LinkedIn: www.linkedin.com/in/laurenmaloney38 Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the podcast on Patreon: ⁠⁠https://patreon.com/Architectette?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Sofia Daly is a recent Master of Architecture graduate from the University of Oregon. After feeling unfulfilled in business school and isolated during the pandemic, Sofia decided to make a major career shift with hopes of establishing close client relationships and promoting empathy through design. Sofia is now navigating the architecture field through single-family residential projects at a design/build firm in Eugene, OR. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week on Architectette, we're spotlighting the voices of recent graduates from architecture programs across the globe. We asked all of our guests the same questions to gain insight into their unique experiences as they transition from academia to professional practice. From how the pandemic shaped their academic experience to the movie that best describes their studio life, we dive deep into the highs and lows of their time in school. You'll hear some of the best pieces of advice they received during critiques, their thoughts on navigating internships, and the challenges of job hunting. We also asked about the surprises they encountered when they first entered the workplace, mentorship and management, and how they're learning in hybrid environments. Finally, we asked our guests to look toward the future: we chat about how they plan to approach their AREs, what advice they'd give to the next class of graduates, and what they hope their legacy will be when they retire.  Nikita Daptardar is an architect and artist who graduated this year from BNCA, Pune, with a focus on digital architecture and computation. She likes to blend traditional Indian techniques with modern design trends. Here's what we asked: 1. Introductions: what is your name, where did you go to school, when did you graduate? 2. How did the pandemic affect your academic experience? 3. If you had to describe your studio experience as a movie, which would you pick and why?  4. What was an impactful critique or piece of advice you received during a crit?  5. Did you intern during school?  6. Describe the job application process. Do you have tips for others regarding reaching out, interview questions, portfolio preparation, or software readiness? 7. When applying to firms, what factors were most important to you? 8. Did you negotiate any aspects of your offer? (salary, PTO, schedule?) 9. Once working, what is something about the practice of architecture that surprised you? What is something that you had to overcome?  10. Is it challenging to learn in a hybrid environment? How do you learn/ interact with colleagues? 11. If you were a manager of recent grads, how would you mentor them? 12. Do you plan on taking your AREs? What is your timeline? Did you accrue AXP hours during school? 13. What advice would you give to next year's graduates? 14. 40 years from now, when you retire, what do you hope is highlighted in your career description?  Links: Connect with Nikita on Instagram: https://www.instagram.com/nikugraphy/?hl=en Connect with Nikita on LinkedIn: https://in.linkedin.com/in/nikita-daptardar-660211248 Architectette Podcast Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with the pod on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Instagram (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠), and TikTok (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@architectette⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) Exclusive Content on our Newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.architectette.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support the podcast on Patreon: ⁠https://patreon.com/Architectette?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=creatorshare_creator&utm_content=join_link⁠ Music by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AlexGrohl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pixabay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Braden sits down with Ryan Henderson, growth & content lead @ FinChat to talk about some of our biggest opportunities in the market through the years and some timely news as well. Tickers discussed: Tickers of Stocks & ETF discussed: GOOG, CRWD, CMG, LVMH, AXP, PM, META, AMZN Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Mark Rasmussen of Moolah is on the podcast with Kiera! Moolah is all about modernization of payment in dental practices. Mark and Kiera talk about Moolah and its full suite of payment tools, what modernized payments look like in dentistry, software/devices to use, honest processing fees, and more. Bonus: Dental A-Team listeners get a pricing discount: www.moolah.cc/thedentalateam  Episode resources: Learn more about Moolah  Score preferred pricing as a DAT listener here! Reach out to Kiera Watch DAT Podcasts on YouTube Practice Momentum Group Consulting Subscribe to The Dental A-Team podcast Become Dental A-Team Platinum! Review the podcast Transcript: Kiera Dent (00:00.622) Hello, Dental A Team listeners. This is Kiera and I am super jazz. I have a new guest to the podcast, new to the Dental A Team family. I have been watching this company for the last several years. I've had my eyes on them. I recommended them several times, but I'm super excited because I want to help you guys modernize how you guys are taking payments in the dental world. I feel like dentistry is a little old school. So I'm super jazzed to have the CEO and founder of Moolah, Mark Rasmussen on today. Mark, how you doing over there in beautiful Mexico today?   Mark Rasmussen (00:00.76) Thank you.   Mark Rasmussen (00:30.552) I am doing fantastic here. Thank you for allowing us to be part of the podcast. Excited to join you. And as you mentioned, yes, in down here in sunny Mexico, a little family vacation, happy to take a little break and talk with your community.   Kiera Dent (00:35.598) Thank you.   Kiera Dent (00:45.934) Amazing. Well, I was like, that's pure dedication. I offered to have you rescheduled because I'm like, you're in Mexico, go with the family. But I also know sometimes work is kind of fun on vacation. It's like, you know, you guys sit at the pool, I'll go have some alone time. But hopefully.   Mark Rasmussen (00:50.072) Haha.   Mark Rasmussen (00:59.608) Listen, you're winning in life if you feel that your work is worthwhile. Taking a break from a little vacation, that's how you know you're winning. So yeah, glad to do it, excited to do it.   Kiera Dent (01:08.079)  Awesome. Well, I do love Moolah a ton. So I just want, Mark, let's kind of give the listeners, you're new to the podcast. Like I said, I've watched you guys for years. So can you kind of walk the listeners through Moolah, Mark, how did you get into dental payment processing? Walk us through kind of like the history of you and Moolah.   Mark Rasmussen (01:24.888) Yep.   Sure, awesome. Okay, so I have been around electronic payments, just non -dental for about 27, 28 years. My God, I'm dating myself, but yeah, about 28 years. And...   Kiera Dent (01:38.446) Hey, it's fine. I'm sure you're probably like 29. You probably started this business when you were one. That's my assumption, right? Or like you got into it. Yeah, of course. You're fine. 30. Never looking younger than 30 over there. You're looking good.   Mark Rasmussen (01:43.064) Yeah, exactly. Exactly. Let's go with that. Yep. Exactly. I've actually, this is not gray. I actually make this gray. This is normally dark, but I just tried to distinguish myself and try and go gray.   Kiera Dent (01:57.07) I thought you were trying to like match your like mullah swag, right? Like, you know, like beard and mullah, like same thing so that we look covered head to toe. You got the black glasses, you know, the white beard. It's not gray. It's just white. You're trying to go on brand. Yeah, you're welcome.   Mark Rasmussen (02:00.632) yeah, there we go. Mm -hmm. I like it.   Mark Rasmussen (02:06.936) I like it. I like it. Exactly. Exactly. So, so been around payments forever. About four years ago, we got invited into the dental community from our friends at Dental Success Network. And so we started going to their events. And, you know, they loved our model. Our model has always kind of been about simplicity. Even when we were non dental, we were all about like,   you know, no contracts, no monthly fees, we provide the hardware. And so that kind of was really resonating with the dentist. But the constant feedback that we were getting was like, hey, this is cool. But we really want technology, we really want all of our payment activity posting into the patient ledger. And so we set about to go build that out and took us a couple years and but you know, ended up with a phenomenal platform that allows us to really kind of serve up.   this full suite of payment tools for dental practice. That's in practice payments, of course, storing patient cards, being able to create and manage payment plans, be able to create and manage in -house membership or discount plans, sending out electronic requests via text or email to collect on a balance, allowing the practice to have a online payment submission, you know, so those patients can make payments after hours. So just this full suite of payment tools.   that are posting back into the PMS. And really we think serving up the full suite of tools that today's practice would need.   Kiera Dent (03:40.206) for sure. And I think that that's brilliant because you actually are speaking the language. Me as a team member, that was always our big thing with the processors of great. I'm glad you got this great one, but they don't go into the PMS system. They're not easy for me. But I'm curious, Mark, and this is something where you can be honest. Dental A Team is like no filter. I tried really hard to just have a good time on the podcast. How dated did you feel dentistry was? Yeah, of course. Yeah. But I mean, you're totally. Yeah, of course. Do whatever you want. I mean, I'm here for it.   Mark Rasmussen (04:00.056) Nice. Should I grab a tequila shot and serve Asus right now? Or like how much of a good time are we having here? I'll stick to water.   Kiera Dent (04:08.718) Yeah, okay. But I'm curious when you came because you didn't experience dentistry before you came into it. How dated was dentistry as an industry from your perspective? Like, were you a little like blown away? Like, I kind of say like, we're horse and carriage sometimes and some like, the fact that we didn't have online payments blows my mind, right? Could you please call during eight and five to make your payment to pay me? Like, we're gonna make it hard for you. How dated did you feel like dentistry was when you guys entered the industry? No judgment. I just   Mark Rasmussen (04:16.024) Mm -hmm.   Mark Rasmussen (04:30.424) Right. Right.   Kiera Dent (04:37.454) Because I think, like I said, it's horrible.   Mark Rasmussen (04:38.008) No judgment. I won't call it will protect the innocent. I won't call it any names. But yes, when I got into the space, I was blown away because there are some, you know, big legacy providers from payments perspective that had all of these legacy relationships with all the PMS is and I kind of just felt like they've been resting on their laurels for a really long time. Like they have the relationship and then they kind of stopped innovating. And so, yeah, I was, you know,   Kiera Dent (04:41.142) you   Kiera Dent (05:03.662) Mm -hmm.   Mark Rasmussen (05:07.352) surprised that there was a lot of room to make improvements. And so yeah, it's been a great time. And not only improvements on the technology, but even the methods of I'll just call it old school solution providers, payment providers out there. Most of them are old school. And what I mean by that is that, you know, everything from, you know, the signup process or learning about what the fees are going to be.   If you go, for example, go take a look and again, I'm not naming any big names, but go, we all know what they are. If you go to their website and you go to see like, all right, well, how much does merchant services cost from this company? None of them have pricing or rates on their website by design, right? They're all meant to submit a contact form and then wait to have a salesperson call you back. And then, you know, it's just, it feels, it always felt very like car sales, like no disrespect to anybody who sells cars.   Kiera Dent (05:52.014) Peace.   Kiera Dent (05:58.318) Right.   Mark Rasmussen (06:04.92) but it felt very car salesman like of what that experience looked like. And so we were always a big believer of like, we wanted to make, you know, getting signed up for processing less sales like and more transactional like, and how do you do that? You wear your pricing on your sleeve. Like you can go to, you know, the Moolah website, you know exactly what our processing costs. There's no surprises. You don't need to speak with anybody to get pitched on what the services are.   Kiera Dent (06:17.998) Mm -hmm.   Kiera Dent (06:28.878) Thank you.   Mark Rasmussen (06:30.584) And so again, I always liked that. I like more of a transactional experience than a sales experience in kind of, you know, all my aspects of life. So, you know, that element, we saw room to improvement. So, you know, easy to know what the pricing is. And then from a signup perspective, everything can be done online, right? You don't have to have this salesperson send you, you know, paper applications or PDF applications, and you don't need to fill those out and then submit them to the bank and then wait for a couple of days for underwriting.   Kiera Dent (06:34.99) Thank you.   Kiera Dent (06:58.158) Thank you.   Mark Rasmussen (06:59.768) maybe have to provide financials or tax returns, like all that. So with us, we removed all those elements and it's just very easy to know what it costs, very easy to sign up within seconds. So again, just removing the barriers to entry on the actual signup process is a big lift in experience as well.   Kiera Dent (07:11.566) Thank you.   Kiera Dent (07:18.862) Totally agree. And I think I think that that's what's so fun is having these disruptors come into dentistry of this is what you guys could expect from other people but you're right like it is kind of dated and dentistry is such a Relationship industry. I mean I say lab people and reps are so lucky because dentists are so loyal to them So I really really do love that you guys are disrupting it and like you said it's making payments easier and so I was just curious if you can talk about like   Mark Rasmussen (07:39.028) yeah.   Kiera Dent (07:45.134) what does modernized payments look like? Like what should practices, like what's the standard that we should be living at right now? So offices can kind of almost checklist them of am I doing this in my practice? And if not, maybe I should consider a different processor.   Mark Rasmussen (07:59.064) Yeah. So the first thing we touched on is I think you should look at a vendor who can provide you the immediate kind of instant on type of experience. I think the whole legacy of, you know, multi -day underwriting with the bank having to have a hard credit inquiry pull is unnecessary today. Although again, a lot of the legacy providers work that way. So an instant on, I think, you know, modern, you know, modern payments day means not having to lock yourself into any contracts. I'm a big believer in that. Like,   Kiera Dent (08:08.942) Mm -hmm.   Mark Rasmussen (08:29.4) Any vendor that you work with, I think for the most part should allow you to exist in kind of like a month to month environment, right? Because if you're doing your job as a vendor, you don't need to lock anybody else up, right? They're going to stay with you if you're doing your job right. So I'm a firm believer in no contracts. Another thing I'm going to recommend is stop locking yourself into having to buy the hardware or software, right? And most of the vendors will either charge exorbitant amounts for the hardware,   or they'll try and put you into a non -cancellable lease for the hardware or rentals. All that do away with, you know, shameless plug. Of course, we don't do that, but we're not the only ones. There's a few other great vendors out there where they'll give you the hardware or they'll provide it to you at a fair price. Don't overpay for hardware or lock yourselves in a contract. You know, from a tactical standpoint of like payments specifically,   Here's the thing is that I think a modern practice should have. Obviously, you know, in practice, all the latest and greatest. So what is that? That's of course, old school MagSwipe, that's EMB chip card capabilities. That's also Apple Pay, Google Pay, kind of the tap to pay. That's a great convenience for your patients. Wireless devices are a great add on for the practice, right? So they don't have to be stuck at the front desk. You know, you should have devices that can go anywhere in the practice, you know, operatory, consult rooms, et cetera.   Wireless devices are a big lift. Storing patient cards, I think is a great convenience as well. I talked to a lot of practices who really love that because it's interesting. You talk to the front desk, nobody really wants to talk about or like, nobody likes the transactional element of asking for money and having to collect money, right? So if you can take that element out of your experience with a patient at the front desk,   Kiera Dent (10:02.798) So genius.   Mark Rasmussen (10:25.592) and you're like, hey, would you want us to put that on the on the visa we have in file? Great. That's easy. You know, so storing patient cards, I think is a big one. You know, being able to offer, you know, especially when you're when you're building out treatment plans and those dollar amounts to get higher, being able to offer the patients, you know, multiple payment options, obviously credit card, but then even being able to take that credit card payment and break it out, you know, your kids braces. Great. Let's let's set that up so that we can easily just charge out $100 a month or whatever the case may be.   Kiera Dent (10:29.006) Mm -hmm.   Mark Rasmussen (10:55.576) So being able to have multiple payment options to offer the patient is phenomenal. Other things that I, yeah, please, yeah.   Kiera Dent (11:03.054) I just want to plug in that one real quick on the payments because you guys have modernized it because a lot of people like well We did that but I remember my gosh I had so many credit cards that I had to remember to run as the office manager I had to like make sure it was the date then I finally got smart and I was like let's do it on the first and the 15th and not just like every day of the month but there's still offices that are trying to remember to run all these cards and for you guys just to set it up it's like a set it and forget it like of course if it declines so much easier we just go check on that but   Mark Rasmussen (11:21.24) Right. Right.   Kiera Dent (11:31.982) I think to just pin on there, your practice might be doing it, but this is automatically doing it through the software where your team doesn't have to try and remember it, saves so much time from a team member having to do it.   Mark Rasmussen (11:41.944) 100%, 100%. And so many, I talked to a lot of offices that before they connected with us, many of them were like self -admitted and they're like, hey, they're like, I'm not proud to share this, but I'd be like, so how are you guys managing your reoccurring payments? So like, we have card numbers just written down in Notepad and I just make myself a reminder and outlook to go ahead and pull those out. I'm like, okay, you didn't tell me that, okay. But that's kind of the reality. So, you know.   being storing car data in binders. Yeah, it's exactly much safer. But having those card numbers available to you and where they're delivering not written down anywhere. So where they can be compromised is you know what they refer to as PCI compliant best practices. So being able to do that, not have your practice, you know, exposed to the you know, the dangers of having card information, you know,   Kiera Dent (12:12.27) They're binders. Binders, Mark.   Mark Rasmussen (12:39.224) exposed and compromised is huge. And of course, any reputable, you know, vendor that you're dealing with, that's going to lie to store patient cards, they're going to have it where it's tokenized. None of the tokenized card data of course, is ever going to be touching any of the practices servers. So the practices, what they refer to as is out of scope, you know, they're not actually dealing with and holding any card numbers. So that's, that's a huge element as well. what else? you know, I've seen get popular over the last couple of years.   memberships, in -house memberships and in -house discount plans are gaining a lot of traction. And I get it, right? It's great for the patient, it's great for the practice, gets the patient in the chair more, the practice kind of gets some reoccurring revenue going, it's a win -win. And there's a lot of great vendors out there in the space that just focus on that. But again, that's a feature set that we built into Moolah.   that allow you to kind of create and manage your own in -house discount plan. So having that, I think is a big part of today's modern practices. Sending electronic requests, right? Collecting on balances. The old school way of sending paper statements is dead, right? And the evolution of that went like, okay, it was paper statements and then everybody realized that nobody is going through snail mail anymore. And then it went to, okay, cool, let's be able to send electronic email requests.   which was an uptick in lift in response rates. And then, you know, beyond that, you know, text requests kind of like even went even further. I mean, the response rate of just going from email requests to text requests is significant. So, but, you know, giving the practice ability to collect on these balances and send those out electronically, automatic reminders, drip campaigns and all of that.   and allowing the patient to kind of like, you know, make that payment when it's convenient for them, you know, if it's at their home, on their couch, on their phone late at night, doing a quick Apple Pay transaction. That's what it's all about, you know, is making, you know, easy for your patients to interact and handle, you know, their billing issues with you is the ultimate. The other thing I'll touch on is, you know, online payment, right?   Kiera Dent (14:49.294) Yeah.   Mark Rasmussen (14:54.36) So allowing that patient be able to go to your site and click a button, say, hey, make an after hours payment and be able to make that payment after hours. That's another big, you know, we think kind of best practices to do for today's modern practice. And then really the cherry on top of all these things is that these things in itself are great, but really to really elevate this is all this payment tech we talked about is then having an automatically post into the PMS real time is where the magic really happens. And so.   I highly recommend kind of all those touch points as well as having it also integrate directly back in your PMS. That's where the magic really kind of happens, you know?   Kiera Dent (15:31.182) for sure.   And so Mark, I'm curious when you guys do that and goes back into the PMS, does it split because people will like get annoyed when it's like a split payment and my family balance might be $1 ,000, but only 25 come to Kiera and the rest goes to Jason. Does it split or do they need to manually split at the practice level?   Mark Rasmussen (15:52.472) You can do it in two ways. So I'll speak for our system. When you run a payment in Crown, which is our payment platform, you can either have that payment be an unallocated payments, right? And just post to the ledger at the guarantor level. And then you can decide where you want to split that up to, or you can actually, from our system, you can do that transaction, that payment allocated to procedure. And you can pick, when you're doing that allocation, you can pick within the family members,   and at the procedure level of where that payment's going to be allocated to, just as if you were to natively do it in the PMS. So you can do it, you know, like for prepayments, right? Prepayments is something where it's unallocated and then you can assign it afterwards. Or again, you can just assign the payment to the procedure right out of the gate, either way. Yeah.   Kiera Dent (16:27.502) That's awesome.   Mm -hmm.   Kiera Dent (16:41.39) That's awesome. And for patient or for practice, like of course they're going to feel concerned about like, yeah, but Mark, if people are making payments and I don't know and they're doing it at night, how do I make sure I don't miss any of these payments? So kind of what's Moolah's process to make sure they don't miss it.   Mark Rasmussen (16:53.272) Great question. Yeah, great question. So first thing is that we notify the practices in two ways. One is they'll get an email when a payment's made, you know, anytime, whether it's after hours or they're gonna get an email that hits their inbox. And then within our software itself, in the top header, we have this notification bell that anytime there is a transaction that's been made after hours, like a website payment or text to pay, it's gonna let them notify them that it was done. So they're not gonna miss it.   Kiera Dent (17:20.686) So Mark, as you said all these things, I just thought, to me it felt like I was just talking to a normal website that I purchase on all the time, right? Like I think about Amazon. Amazon's so easy. I make payments. I think about the hospital even where my husband works, like when I go see my doctor. They're not sending me paper statements. I don't think I've gotten a paper statement from a medical office in so long. I also just thought I went to therapy the other day and they're like, do you want it on your card on file? And like,   It's crazy because that's how we live in our day -to -day lives of all the things we as consumers are consuming, but yet in our dental practices, we're so far behind, which is why I'm obsessed with you guys as a company. And why I wanted to bring you on the podcast and share you with our community is because the reality is, this is so...   Mark Rasmussen (18:03.544) Thank you.   Kiera Dent (18:05.806) like up and coming, but you're also I love the passion that comes from you. Like I can tell that you're not just somebody who's like, here we are. You're constantly thinking like, all right, what's the next thing and how are we going to make this even easier? And how can we make this so much simpler for the practices? And I think getting on board with companies that are young, that are innovative. I know you said you're only like 30 based on like you starting like in the industry at one years old. I think you're only 30 years old now, right? But you've constantly made it and brought you, but you brought this young energy with you of staying tech and saying savvy and   Mark Rasmussen (18:26.104) Right. Yeah. 50.   Kiera Dent (18:35.918) I mean, the thought of having those processors that can come into the operatories, like same day treatment is so easy. We're not taking the cards and walking them up front and then bringing it back to them. Like it's just normal. I mean, we think about going to restaurants and now there's like little Apple pay sitting at our booth, even if we have a server. We have innovated as a society and making sure practices do that. But Mark, the questions always come and this is why people don't switch processors. One is it's hard to break up with my current processor. So what do they do in that regard?   Mark Rasmussen (18:50.68) Yeah.   Kiera Dent (19:04.846) to break up with a processor in an easy way if they want to switch to Moolah.   Mark Rasmussen (19:10.168) Great question. So the first thing that I, when we're talking to practices, what I always like to say, and cause it's exactly right, making a switch from, you know, your processor, your legacy processor to somebody else seems daunting. It's like, okay, this is going to be a pain. I got people got to learn my stuff. well, we always tell practices, I'm like, don't cancel your current processor. Like Pepsi, Pepsi challenges, right?   Don't disrupt anything, keep your current processor, try out Moolah, bring us into your practice, don't cancel your existing processor, and make sure you guys love it like we say you're gonna love it. I want them to feel comfortable. And that does a couple things. One is after two weeks and they hate us, then great, we can part with friends and we'll have the hardware picked up and they didn't change anything with their current provider. But if they love us like I believe they're gonna love us, well then great, that gave them, that gave the staff the peace of mind of knowing like, hey yeah, I've got this new system.   but I have my old system in place in case I don't remember how to do something. So not trying to time of like, hey, when should I close my old? When do I add in Moolah? Don't put yourself through that stress. Just add Moolah, try us out. And again, there's no contracts with us. So just bring us alongside, Pepsi challenges for a couple of weeks. And then when your staff and everybody's like, yeah, we love Moolah, cool. Then at that point, you can make arrangements with your processor to close that out.   Kiera Dent (20:17.454) Mm -hmm.   Mark Rasmussen (20:36.344) I can't can't to other processors, right? Because many of them have, you know, these long -term contracts and early termination fees. They'll have to course check with their vendor. But the good thing is that once you make that break and once you do come with Mula, Moolah, never have that worry again. There's no contracts with us. At any time, if anybody wants to close out their account, really easy to do business with us, really easy to not do business with us. Let us know. We'll have the hardware picked up at our expense and we'll wish each other well, you know? It's all good.   Kiera Dent (21:05.486) Mm -hmm.   Mark Rasmussen (21:06.2) So at least they can make that break and get out of the contracts and be with a company where they can truly be in a month to month environment.   Kiera Dent (21:14.67) Which is amazing. And I think something that's really awesome is I was thinking about that. If you are in a long -term contract and you can't get out of it, Processing is only charging you on the fees that you do. You might have a monthly fee with the hot hardware that you did purchase, or that might be something you paid upfront. However, you can actually move almost all of your transactions over to Moolah while you wait for that contract to leave. And so just don't think that you have to wait until that contract ends. I do process on two different processors intentionally because I want to like,   Mark Rasmussen (21:35.928) point.   Kiera Dent (21:43.726) leave one and move to another one, but I'm debating because that's going to lead me to my next question about fees. I'm testing two companies currently myself, intentionally, but you can, you can move all your processing over to Moolah if you love them so much, even if you're in contract. So I want that to just be a note for you guys to be afraid of. Yeah.   Mark Rasmussen (21:45.944) Yeah.   Mark Rasmussen (21:58.712) Yes, good point. Yeah, exactly. And you know, in tip to your point there. Even even if you're going to, you know, not cancel the service, maybe that's going to relate to, you know, 20 $30 a month and just maintenance fees. And you're like, well, hey, that still makes sense rather than having to spend three or $400 termination fee. I'm just going to pay the monthly minimum, you know, for whatever it is that six months to take me to that contract term. Yeah, you don't have to wait, you can just kind of pay that minimum.   Kiera Dent (22:20.814) Right.   Mark Rasmussen (22:27.32) and then actually cancel it when you're not going to get hit with a termination fee. Yeah.   Kiera Dent (22:30.51) sure. Yeah, so again, don't feel locked into it because they're going to want you to think you're locked, but it's a very minimal fee, especially if you love it. But something I am curious about, Mark, I feel I will just speak a little bit candidly about the industry. Credit card processors have a little bit of a reputation of being amazing at the beginning, and then they start tacking on all these stupid fees that I don't know, which is why there's companies like Merchant Advocate that come in and check and make sure that our processing fees are not too high. So walk me through processing freeze with Moolah.   because realistically that is always a scary thing when you switch processors. And I think that that's also another reason people don't want to switch. I love you. I love the things you do, but also are you charging me? Like right now I've got somebody who's like, Kiera, switch over to us and we'll be at 2 .9, which I still think is higher. I'd prefer it to be more like 2 .5 % processing fee, but they just sent me an email and I'm very disappointed because they're a very large company and I was so freaking pumped to use them. But they said,   In one year, so I'm like, you guys are smart. You want me to like get all my clients on this new processor. And then in one year, they're literally going to tack on this huge freaking fee on me. And I'm annoyed because it's going to be 10 bucks per transaction, like up to $10 per transaction indefinitely because they're now adding on this like stupid software. I feel annoyed by that. So I'm speaking very candidly. Tell me how your guys's fees work because obviously this is what people are going to be concerned about too. As much as I love you, I also make sure the fees make sense.   Mark Rasmussen (23:30.168) Right.   Mark Rasmussen (23:41.976) Yeah. Yeah. Yep.   Mark Rasmussen (23:50.132) Yep. Yeah, exactly. So we're, we're all about simplicity, right? Like, we love technology, and we love simplicity. So we've been talking about technology, let's talk about simplicity. So you know, anybody out there who's listening to this, and you've seen a merchant account statement, right? Nine and a half, actually, yeah, nine and a half out of 10 times, you look at that merchant statement, that month end statements, it's your eyes will roll back, it's like,   line item after line item after line item of like miscellaneous fees like, okay, this visa fee, this interchange fee, this transaction fee, PCI fees, don't even get me started on PCI fees, but we'll come back to that. PCI fees, monthly minimums, annual fees. I mean, it's crazy. It's like way overcomplicated by design. Not only that, I run in and talk to a lot of practices where like, you know, it's funny.   Kiera Dent (24:19.978) Yeah. Mm -hmm.   Kiera Dent (24:30.062) They're sane.   Mark Rasmussen (24:44.664) They're like, hey, I started engaging with you and then it had me look at my merchant processing again and my merchant processing statement that I just looked at and the pricing we're paying today is very different than it was when we signed up with them two years ago. So over these two years, they've been bumping up the rates unbeknownst to them. So, you know, with that being said, Moolah takes a very, you know, simple approach. With Moolah, you get, you know, our platform, you get our technology, right?   Kiera Dent (24:57.166) Mm -hmm.   Right.   Mark Rasmussen (25:11.192) There's no monthly SaaS fees or annual fees. There's no fees for the software, number one. The hardware, we're gonna provide the practice to brand new wireless smart terminals. They don't have to buy, rent, or lease those devices, they're included. Not only do we provide them the devices, but we also warranty them indefinitely, which is huge, because normally you're buying these devices, and normally it's like a 12 -month manufacturer's warranty. And then Murphy's Law kicks in half the time, and then it's like month 14, the device fails.   And then you're like, oops, sorry, you got to buy a new device. Whereas with Moolah, first of all, as mentioned, we give them the hardware, but we're warranting them indefinitely, even beyond hardware failure, even accidental damage we will cover. So a practice that comes on board with us, three years later, they call us like, hey, we accidentally dropped the device off the counter and broke, cracked the screen. We'll cover that. Just give us a call. We'll provision replacement. We'll overnight it. So practices that do, you know, processing with Moolah.   totally are future -proofing themselves of ever having hardware expense again. Okay? So no fees on the software, no fees on the hardware. So then it comes down to we make our revenue on the merchant processing. And we've done that. And I think is a really fair, simple and straightforward approach. It breaks down to this. There's literally two fees that a Moolah practice will have when they do business with us. One rate, which is 2 .49 % flat rate for anything that's done in practice.   Kiera Dent (26:17.582) Mm -hmm.   Mark Rasmussen (26:35.416) And it doesn't matter whether it's an Amex or a Visa or a Mashcard Discover, the card type doesn't matter. If it's done in person, it's 2 .49%. There's not a transaction fee on top of that. Normally, you'll see like 10 or 20 cents per transaction. None of that, just 2 .49. And then that same logic carries over for any of the card not present transactions. So that would be 2 .99 % for anything that's done, you know, text to pay, the website payment.   Kiera Dent (26:47.95) Mm -hmm.   Mark Rasmussen (27:01.304) So it's literally only those two pricing elements. 2 .49 on transactions are done in practice, 2 .99 where the card is not present, nothing else. And so, you know, when I say nothing else, literally nothing else. So we're eliminating all the kind of miscellaneous fees that we were talking about earlier. The statement fees, the interchange fees, PCI fees. This is a crowd favorite. So not only do we remove the PCI fees, right? And I'm sorry to the rest of my industry.   Kiera Dent (27:19.278) Mm -hmm.   Mark Rasmussen (27:30.552) peers, but this is the truth. PCI is a complete racket. It's become a financial racket to processors of looking to extract more revenue. So we look at PCI where there not only is there never a fee with Moolah on a PCI fee, but we take care of all the tasks. No longer does the practice have to do that once a year self -assessment questionnaire. No longer do they need to deal with quarterly scans. It's   Kiera Dent (27:35.694) Yeah.   Kiera Dent (27:51.05) Thank you.   Mark Rasmussen (27:58.04) All the PCI elements are managed on the practices behalf. So they never have a PCI fee or a task to do as long as they're with Moolah, which people love. So, and again, as I already mentioned, there's no annual fees, there's no contracts. This is 249 .299. And to really hit that home, as we were talking about previously of like, hey, somebody just trying out Moolah, right? So if you're trying us out, let's say you sign up with Moolah, we send you the hardware.   Kiera Dent (28:07.854) Mm -hmm.   Mark Rasmussen (28:26.264) but you didn't get around to actually switching over and then the month goes by. Well, guess what? You would have zero expense from Moolah. If you didn't process any payments from us, nothing's gonna kick in. There's no minimums, there's no statement fees, none of that. So if you didn't process a credit card payment, you would have zero expense from us. So, you know, expense is truly driven from when you process credit card transactions and that's it. So really simple, right? And really straightforward and, you know,   Kiera Dent (28:50.638) Mm -hmm.   Mark Rasmussen (28:53.304) people can get around and knowing what this costs because again, we wear our pricing on our sleeve. There's no surprises. We don't play that game of like teaser rates and then a couple of months kind of sneak in a little message and hope nobody notices and increase the rate. Those rates are gonna be as they are. There's no intention of increasing them.   Kiera Dent (29:06.446) Yep.   Kiera Dent (29:12.142) Yeah, and it's interesting as you're saying that, Mark, I pulled up one of my processing fees. So I'm just curious, because this is what I'm seeing. So tell me, what things are actually nonsense versus what are real? Line item, it says two, visa never approved domestic. What does that even mean?   Mark Rasmussen (29:28.728) So that's referring to an interchange element. So here's the first thing we'll say. Interchange, which is basically the wholesale cost from, you know, not to bore everybody, your audience, but you've got two sides of the equation in credit cards. You have the card issuers, which are patients banks, you know, from their Citibank Visa or their Capital One Visa. And then you have the acquiring banks, which represent the merchants. So interchange is what the card issuers charge the acquiring banks when their customers present their card to their merchants. That's interchange.   Kiera Dent (29:36.078) Mm -hmm.   Mark Rasmussen (29:58.776) And so interchange consists of hundreds and hundreds of different card types with different price points. And so whether it was a Visa, vanilla, you know, plain Visa card, was it a debit card, was it a rewards card, was it a corporate card? So all these variations of interchange expense and there's all these nuances of different fees related to that. Now, listen, these elements happen, doesn't matter who your processor is, all these elements are happening with Moolah in the backend, but we just absorb it all. And so,   Kiera Dent (30:10.286) Great.   Mark Rasmussen (30:28.408) Even though we're very simple in our rates to the practice, make no qualms about it. We're not any different. There's a lot of elements behind the scenes of different expenses that are happening non -domestically. You were talking about rewards, downgrades, all these things are happening behind the scenes. But to our practices, they don't care about that. And they don't need to worry about that. They know that if they do it in their practice, it's 249. And if they do it as a Cardinal President, it's 299.   Don't worry about anything else. We're managing all that behind the scenes.   Kiera Dent (30:58.798) That's awesome. Yeah, because as I'm looking at this statement, I'm like, interesting. I didn't know I had a monthly service fee that has been added on a fixed acquire network fee, another AXP system processing fee that's quite substantial. And I'm like, none of those things were on there prior when I originally signed up. And so I was like, hey. Hey. And so it's interesting.   Mark Rasmussen (31:14.872) You're like, that wasn't on this, that wasn't on my sign up form. I don't remember seeing that. All right, well, we need to talk after the podcast and get you guys over to Moolah, right?   Kiera Dent (31:22.574) I know. Okay, I know. So anyway, that's what I wanted to point out to you guys is like me even looking at this right now, like as listening to the podcast with Mark, like double, I mean, you probably saw my eyes shift over because I was like, what the heck? I got all these fees sitting over here. But what's crazy is I've kind of hovered around this like 2 .9 % for all the time. But I just knew that they were tacking on fees and I had to do this like, my gosh, Mark, we really want to bore people. I had to do all these like   compliance things and they had me do this whole thing to get my rates down and I'm still not but I'm in this higher compliance area. All this nonsense. But anyway, beyond that, I think everybody should use moolah. So I think for modernized payments, I think for the 2 .49, that's insane. Like people are all talking about what are ways that we can save costs on our overhead. Well, get your processing fee down to 2 .49 in practice, you're going to be substantially lower. And then the other ones are 2 .9, which is still lower than what most are at most around three.   Mark Rasmussen (31:54.424) Right. Yeah.   Mark Rasmussen (32:00.216) Thanks.   Kiera Dent (32:17.326) I would usually see about 2 .5 to 3 .3 is typically what I'm seeing for fees, not to mention all the additional add -ons and also having to pay for your process. So if an office, let's say they've got two of these, but they want more, they're a really large practice, do they pay extra for an additional terminal? I would assume yes, because you guys complimentary too, do they pay for extra terminals?   Mark Rasmussen (32:23.64) Yep. Yep.   Mark Rasmussen (32:38.424) They do. So we provide them two, if they want additional devices, it's $30 a month for those additional devices. If they're a larger practice, you know, you sweet talk us a little bit. Well, we have been known to include an extra device or two if it's a larger practice. So, yeah, exactly. Talk to the team. But the short of it is that if the practice is joined more than $60 ,000 a month,   Kiera Dent (32:45.517) Wow, awesome, very easy.   Kiera Dent (32:55.214) So, you know, do a little good sales pitch to Mark over here.   Mark Rasmussen (33:08.44) and they need additional devices, we're usually pretty flexible about providing those additional devices.   Kiera Dent (33:14.51) Do you guys ever do reduced pricing at all if a practice is doing large amounts per month? Or is it just like, this is what it is? I was curious, because I know there's a lot that do hire amounts.   Mark Rasmussen (33:20.248) We do, we do. We do. So matter of fact, so we have the 249 .299 is our wrap rate for dentists. Any practices that come through one of our partnerships, those come in at a reduced rate. And then we have even a lower tier if the practice is multi -practice as multi -locations. So definitely inquire with us.   about those, you know, reduce rates if you're with any of our partners. And yeah, a lot of them. You know, the other thing I was going to mention, just because this is kind of exciting and new for us, and it's crazy how much this has been, practices have been asking about this over the last 12 months. The question that a lot of practices come to us and ask, and they say, is there any way that I can offload my credit card processing fee to the patient?   Kiera Dent (33:50.702) for sure.   Kiera Dent (34:11.982) Yeah. Yeah, I'm curious on this.   Mark Rasmussen (34:15.096) A year ago, we would get that request one out of 10 times. Today, we get that request like seven or eight out of 10 times. So like the cats out of the bag, like people want that. So I'm happy to announce that we just went into beta on being able to offer compliant surcharging. And so you'll be able to practice what they'd like to, they'll be able to offload the credit card processing fee, both in practice and any of the card not present activity, the text to pay, the website payment.   Kiera Dent (34:22.35) Mm -hmm. Agreed.   Mark Rasmussen (34:44.792) you'll be able to offload the credit card processing fee onto the patient. That only does on the credit cards. You're not allowed to do that on the debit cards, right? Debit cards, there's no additional fee to the patient, but if they're paying with a credit card, you'll be able to offload the credit card processing fee to them. And the nice thing with that Moolah is that not only are we giving them the capability to do that, but we're also handling that surcharge amount correctly in the PMS when we're posting into it from an accounting perspective and keeping that clean. Yeah.   Kiera Dent (34:54.03) Mm -hmm.   Kiera Dent (35:10.538)  amazing because agreed I think that's a big piece. I mean when I look at my credit card processing fees a year I'm like we're in the upwards higher like it's almost like another employee when you look at that annual amount that you're paying credit card processing fees and so I just think it's a really awesome way I really love you guys mark. That's why you guys are a sponsor of ours this year That's why you guys are a partner of ours And so definitely everybody let them know that you came from the Dental A Team podcast mark How do people connect with you because I think people should modernize their payments?   Mark Rasmussen (35:19.832) Yeah. Yeah, no doubt.   Kiera Dent (35:39.47) I just feel like would you continue purchasing from Amazon if you had to send them a paper check? The answer's hard pass, no. Would you continue working with Amazon if you couldn't shop at night on them? The answer is no. Would you continue working? And I understand that Amazon does not feel like a dental office, but I'm like, I wouldn't continue seeing my therapist or all these different people. It's so archaic when you go to other even medical professionals that don't take Apple Pay. I'm like, what, you don't take Apple Pay?   Like, what are you doing? Like, everybody takes Apple Pay. Everybody does the tap pay. Why am I still having to insert my card or write you a check or give you my card? Like, it just feels so archaic. And I love, Marc, you guys truly have modernized it and it's not hard. And I love that it's very simple and that people can try you out, see if they like you, but offices that are using you that I know love you. So how can offices get Moolah in their practice? Yeah.   Mark Rasmussen (36:05.976) Yeah. Yeah.   Mark Rasmussen (36:27.32)  Cool. I would recommend if any practice that's interested in learning more about us is, and maybe Kiera in this podcast and description or something, put a link for, because we have preferred pricing for Dental A Team clients. And so I would just take a look at that link that's probably associated with this podcast. And on that page, you guys can go ahead and schedule a time. It's convenient for you to do a demo. And so I think a demo is the, is the,   Kiera Dent (36:40.43) course.   Mark Rasmussen (36:57.176) best natural step for any of your listeners that want to know more about Moolah. And again, schedule that demo and we'll run them through and show them all of the features, all the benefits, and then assist them with getting signed up at that preferred rate that they'll get through Dental A Team.   Kiera Dent (37:15.182) Amazing Mark. And I just like, you know, I love to like sweeten it a smidgey for you guys. So let's just do a hypothetical, a practice is processing a million a year. Okay. And they are just paying that extra half a percentage mark, right? That would be pretty simple. Right? So, you know, if you guys are just paying that extra half a percentage, I'm doing this on a million. That's a $50 ,000. It's insanity to me of how much you guys are saving. Did I do my math right?   Mark Rasmussen (37:24.632) Yeah.   Mark Rasmussen (37:29.592) Yeah? Yeah?   Mark Rasmussen (37:40.216) Right? Yeah.   Kiera Dent (37:44.654) Or is it less than that? A million and we're doing, I lied to you guys. $5 ,000, $5 ,000 just on a half percentage, five grand, which might not seem like enough for you guys to go after. Five grand just by switching processors that you would be saving every year, just on a million dollar practice that you process. That's like, and you probably listen, yes, just the rate.   Mark Rasmussen (37:49.048) We said a half a percent.   Right. Right.   Mark Rasmussen (38:04.344) And you're just talking the rate. And you're just talking about the rate. What about all the other miscellaneous fees that they're probably paying as well? So it's going to be more than five grand. And I feel very strongly that they would be improving their experience on a daily basis with the technology. So not only are you saving on the rate, but you're just improving your day -to -day experience with payments. It's kind of a win -win.   Kiera Dent (38:13.39) Yes, but right alone!   Kiera Dent (38:22.062) I love you, Clint.   Kiera Dent (38:29.55) And as a team member, I have way less I've got to do. I don't have to remember. I've got a drip campaign. I can have them pay on that. I'm not sending statements anymore. So those costs in and of themselves. So I'm just saying, like, for a million dollar practice, it's a guarantee, probably $5 ,000 savings for you just on the rate, let alone everything else. So I think it's worthwhile to schedule that demo. So Mark, thanks for being on the podcast today.   Mark Rasmussen (38:51.224) It was awesome. Thank you so much for allowing us to be there We're so glad to be a sponsor and be with you guys. You guys are rock stars. So appreciate you   Kiera Dent (38:58.03)  Amazing. Well, for all of you listening, guys, don't be like, take the effort, go look into this. It will save you so much money and your team will be happier. Definitely reach out and for all of you listening, thanks for listening and I'll catch you next time on the Dental A Team podcast.  

S&P Futures are negative this morning due to a global communication outage that is said to have been caused by a software updated from cyber security firm CrowdStrike. CrowdStrike CEO has said that this is not a security incident or cyberattack and that the issue has been identified and that a fix has been deployed. Travel sector is on watch as IT outage news. NFLX delivered solid results, AXP & TRV delivered beats this morning. Economic calendar is light, Fed black out period starts tomorrow. Talk of President Biden removing himself from the race remain elevated. In Europe, markets are lower due to the cyber incident. Oil prices are ticking lower this morning.

In this episode, Tom and I gear up for an exciting lineup of upcoming paintball events. We discuss our plans and what we're looking forward to at Wasaga's Big Game, The Joust at NME Paintball, and the highly anticipated Siege of Saigon at AXP—the first major event in a long time. Join us as we share our excitement, strategies, and what these events mean for the paintball community. Don't miss this episode packed with anticipation and preparation for some of the biggest games of the year.

Join Dan and Simon as they dissect the recent changes to the capital gains inclusion tax revealed in the 2024 federal budget and the implications for Canadian investors and businesses. The duo explores the implications of the adjusted tax rate for investments, with a special focus on the impact for small business owners and self-employed professionals who hold substantial corporate assets.  They also delve into the latest Bitcoin halving, analyzing its potential effects on the Bitcoin network. The conversation then shifts to the decline of Goodfood following its pandemic peak and examines Netflix's decision to stop reporting certain subscriber metrics. Wrapping up the episode, Dan and Simon discuss American Express's latest earnings, highlighting how its business model differs from other payment processors like Visa and Mastercard. Q4 2023 Fed Household Debt Survey Stocks discussed in this episode: MA, FOOD.TO, AXP, V, NFLX Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon's twitter: @Fiat_Iceberg Braden's twitter: @BradoCapital Dan's Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor  Spotify - The Canadian Real Estate Investor  Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Join hosts Brad O'Dell and Tom with special guest Charles Leland from AXP Paintball on Episode 396 of the Maritime Paintball Podcast. They discuss the exciting news of AXP hosting the first paintball big game in the Maritimes in a long time. Get ready for thrilling stories, vibrant community discussions, and all things paintball. Don't miss this action-packed episode on the Maritime Paintball Podcast!" Experience one of The Maritimes premier paintball fields: Moncton Paintball Pop the cool smoke with: Rip Kingz Stay on the field longer: Ninja Paintball --- Send in a voice message: https://podcasters.spotify.com/pod/show/maritimepaintballpodcast/message

This week, Jeff and Jason each bring a stock to the show that they're holding on a very short leash. Neither has delivered the expected returns, and there are some signs that things could get worse before getting better. To both hold ourselves accountable, and help you, dear listener, build your own investing framework and hold yourself accountable, we allow ourselves to be interviewed by one another to dig into why we bought these stocks, why we continue to own them, and what we have learned. In the second part of the show, we give an update on the 2024 Investing Unscripted Portfolio Contest! We have a listener who owes Jason a favorite charity so he can make his $50 donation in your honor. Companies mentioned: AXP, DAVA, LNG, MA, NOW, TELL, V ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Certain complex options strategies carry additional risk. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more. For each options transaction, Public Investing shares 50% of their order flow revenue as a rebate to help reduce your trading costs. This rebate will be displayed as a negative number in the “Additional Fees” column of your Trade Confirmation Statement and will be immediately reflected in the total dollars paid or received for the transaction. Order flow rebates are only issued for options trades and not for transactions involving other assets, including equities. For more information, refer to the Fee Schedule. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See https://public.com/#disclosures-main for more information. *Transfer offer Terms and Conditions apply. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

During the recent Earnings Call held on Friday, January 26th, 2024, American Express Company provided insights into their business model and unveiled their earnings report. The CEO Stephen Squeri articulated, "We have a business model that is delivering premium performance, and we have strong momentum, which is driven by four key features of our model that differentiate us from the competition and are difficult to replicate." The company-backed this claim with substantive figures, including record revenues of $61 billion and net income upwards of $8 billion. These numbers elucidate American Express's strong financial performance, primarily steered by strategic alignment with customer needs. The company reported increased billings, new account acquisitions, and notable improvements in credit quality, attributing their success to the focus on value propositions, marketing strategies, and technology capabilities. They also mentioned their efforts to serve high-spending, loyal customers leading to a stronger credit performance. Furthermore, the company highlighted the positive impact of its extensive partnership ecosystem and global brand status. A significant development, shared during the call, was American Express's increasing relevance to younger demographics. The company reported that more than 60% of new global consumer accounts in 2023 were initiated by millennials and Gen Z. Long-term customer retention rates and strong credit metrics underscored the growing appeal of the company among these groups. The company recognized increased restaurant spending and travel and entertainment sectors' expenditures as crucial contributors to fiscal performance, with restaurant spending reaching the $100 billion milestone for the year. Looking forward, American Express stated on the call that they aspire to achieve an annual revenue growth of at least 10% and mid-teens earnings per share (EPS) growth. They also intend to maintain their focus on customer needs, exceptional service, and plan to introduce approximately 40 new products globally in the coming year. The company expressed confidence in its sustained performance, revealed plans to increase the quarterly dividend on common shares. In conclusion, the reliable financial performance by American Express demonstrates their customer-centric strategy and innovative practices. While they have stated plans for future growth, it will be critical to observe how these aspirations translate into concrete action and financial outcomes in the competitive market. AXP Company info: https://finance.yahoo.com/quote/AXP/profile For more PSFK research : www.psfk.com  This email has been published and shared for the purpose of business research and is not intended as investment advice.

Earnings session rolls on! We discuss the big earnings of the past week, including $TSLA, $AXP, and $MMM, and we discuss all the big earnings coming out this week. $AMZN, $AAPL, $MSFT, $GOOGL and other all report this coming week. How do we determine when to invest in a stock? What's a way to find ENTRY POINTS? We use $MSFT in this week's episode to discuss this very thing. As always, we want a consistent method and disciplined approach, just like we used when the market was down. You could argue it is more critical when the market is high.

Tom discusses the PCE data, with core PCE coming in slightly better than expected, yesterday's ECB meeting, the revenue miss and weak guide from INTC, AXP's positive results, Visa's weaker earnings commentary, and LVMH's surprisingly good start to the year proving luxury goods demand remains high. For information on how to join the Zoom calls live each morning at 8:30 EST, visit https://www.narwhalcapital.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhalcapital.com/disclosure

In today's episode of the Atheist Experience, Christy Powell and Armin Navabi, meet god in a dream that tells them which gender is god's gift before finally being told that god is in fact everything which is really nothing. Trees in KS had an experience where they met infinite blackness in a dream and felt immense love being surrounded by faceless Grim Reapers. How do you explain what happened to you in this dream? How do you know it was some kind of god and not something generated from your brain? Calling an experience you had god does not make you a theist. How do you know the difference between an experience in your mind and actually meeting a deity? You can have the feeling of meeting god as an atheist just like you can feel like you are flying when dreaming, but those feelings do not make either of these things true. Jon in Canada describes women as god's gift to men. Are men god's gift to women? How can you rectify the problematic ideas about men and women in the Bible? Are you able to provide reasoning to this 1950's way of thinking? Do you have any data to suggest your suggestion is better than other households? If two parents are better than one, wouldn't it be true then that three parents or even four would be better than two? There is no reason to believe that the nuclear family is superior. What about two toxic parents that are fighting with each other? Jared in KY rushes through a proposition that agnosticism's claim is a contradiction to itself. What claim are you talking about? We are getting bored of people who think they are intelligent that put words together and then think they are winning. Watch out for theists purposely speaking in philosophical language just to be not understood. Erasmus in CA believes that god talks to people through dreams and visions. Why is it that Muslims have Islam related dreams, Christians have Jesus related dreams, and so forth? What metric do you use to know that dreams are not from your mind? Why is it not possible for dreams to be both clear and unclear? What is your evidence that clear dreams are more than a product of the brain? Having a scientific understanding of dreams will help dispel some of these theories you have. Dreams might just be weird thought noise. Rick, in Canada believes that atheists dodge evidence for god and that energy is god. We are not following your notion of evidence, but do see the word salad you put together. Deep emotional experiences are insufficient evidence for a supernatural claim. Where is the evidence that energy is conscious? If everything is god, then the word god means nothing and loses all utility. Is there anything that is not god? How does matter and energy being everything prove there is a god? How is any of this relevant to the existence of god? TJ in TX asked god for less pain in a prayer and got beaten up in school the very next day. You can hate a character in a book that does not exist. Emotions do not have to be rational or true because it makes no difference to your nervous system. Don't try to define yourself by how people see you. We are not seeking the approval of theists. Thank you for tuning in this week! Question of the week is: What is a minorly inconvenient way that god punishes people?

After boosting the Fed Funds rate 5 percentage points in a year and a half, the central bankers might finally be done with interest rate hikes. (00:21) Jason Moser and Matt Argersinger discuss: - Why the market is cheering recent CPI and labor data, and why it might mean we've hit the end of rising rates. - Results from Target, Wal-Mart, and Home Depot and what they say about the state of the consumer. - Warren Buffett's latest portfolio moves and why it isn't surprising that he's been a net seller of stocks recently. (19:11) The New Yorker's Heidi Blake explains the complicated world of carbon offsets and how incentives can get in the way of the environmental and financial impact they're intended to bring. Heidi Blake's New Yorker article The Great Cash Carbon Hustle is available here. (33:49) Jason and Matt break down two stocks on their radar: Rockwell Automation and Vail Resorts. Stocks discussed: TGT, WMT, HD, AAPL, AXP, ROK, MTN Host: Dylan Lewis Guests: Jason Moser, Matt Argersinger, Heidi Blake, Ricky Mulvey Engineers: Dan Boyd, Annie Pope Learn more about your ad choices. Visit megaphone.fm/adchoices

The market has the Halloween Scaries! There are few good things to say about the stock market right now. Mixed company earnings came out this past week, with many names still to come. US credit card debt is at an all-time high, US savings rate is at a multi-year low. The Federal Reserve has their monthly meeting coming up and we will most likely continue the inflation wait-and-see story. However, as with all things, there are some bright spots we can look at to find opportunities that others might now be paying attention to. This week, we discuss $GOOGL, $MSFT, $AMZN, $WM, $MA, $V, $AXP, and $USHY.

People like to talk about Warren Buffett's Coca-Cola investment. Jason isn't happy about it. Companies mentioned: AAPL, AXP, KO We would love feedback on the show. Share with us at:  Email: thesmatteringshow@gmail.com Twitter: @smatteringshow  Check out our YouTube channel for more content:  https://www.youtube.com/@TheSmatteringShow Find the 2023 Smattering Portfolio here:  https://tinyurl.com/Smatterfolio2023

What if your shot at landing the job you wanted was .27%? With odds like that it is easy to get discouraged. However, your path can be uniquely yours, and it doesn't have to look like everyone else's. We discuss creating your own path in the industry you love and why entrepreneurship is so powerful. Company earnings are again in full swing, and we discuss $TSLA, $NFLX, $AXP, and the Federal Reserve meeting that is coming up this week. Stay on your toes, there is always something going on.

Lessons from Berkshire Hathaway's portfolio on holding stocks for decades. (0:45) - How Long Should You Be Holding Your Stocks? (7:00) - Learning From Warren Buffett's Long Term Holdings: What Were The Big Winners? (20:20) - Episode Roundup: PG, KO, MCO, AXP, AMZN Podcast@Zacks.com

As earnings season heats up in the U.S., investors had good reasons to keep their eyes on China and India. (0:21) Andy Cross and Jason Moser discuss: - Tesla's challenge with margin pressure - Intuitive Surgical's stock rising on strong 1st-quarter results and guidance - American Express continuing to catch on with Millennials and Gen Z - Shares of D.R. Horton, America's largest homebuilder, hitting a new all-time high - The latest from Netflix, P&G, Johnson & Johnson, and Lululemon (19:11) Motley Fool senior analyst Bill Mann discusses China's rise as an automotive exporter, Apple's growing presence in India, and why he's keeping an eye on mining companies in Brazil. (33:17) Andy and Jason discuss the growing business of tiny snacks and share two stocks on their radar: Tractor Supply and Amazon. Stocks discussed: NFLX, TSLA, ISRG, PG, AXP, JNJ, DHI, LULU, AAPL, GIS, TWNK, PEP, TSCO, AMZN Host: Chris Hill Guests: Andy Cross, Jason Moser, Bill Mann Engineer: Dan Boyd

It's not often that the CEO of Berkshire Hathaway gets spicy with his annual letter but he did this time. (0:21) Jason Moser discusses: - Buffett's vigorous defense of share buyback programs - How Berkshire Hathaway's investment portfolio reflects Buffett's beliefs on share buybacks  - McDonald's expanding its test of Krispy Kreme doughnuts to 160 locations, and what it could mean for investors (14:45) Toby Bordelon and Jose Najarro engage in a bull vs. bear debate over one of the most popular gaming apps: Roblox On a brand-new bonus episode of the Stock Advisor Roundtable podcast, Motley Fool CEO Tom Gardner shares his 10 stocks for making money in the market! Motley Fool premium members, click here to link your Motley Fool membership to a Spotify account and begin listening to this exclusive new podcast! https://www.fool.com/premium/coverage/4056/coverage/introducing-stock-advisor-roundtable/ And if you're not a member, you can get a preview of the show and learn how to get access here on Spotify! https://open.spotify.com/show/5qS2aRb3W5kAlffrVyok3z?si=cbdeaf17572144c3&nd=1 Companies discussed: BRK.A, BRK.B, AAPL, AXP, KO, MCD, DNUT, RBLX Host: Chris Hill Guests: Jason Moser, Toby Bordelon, Jose Najarro Producer: Ricky Mulvey Engineers: Rick Engdahl, Tim Sparks

If American Express had a problem with an aging demographic, it looks like that problem is being addressed. (0:20) Jason Moser discusses: - Shares of AmEx popping 15% in two days off of strong guidance for 2023 - How younger customers are the majority of the company's growth story - Why he's going to be watching Amazon's revenue when it reports earnings on Thursday (11:00) Tim White and Tim Beyers discuss the implications of Microsoft's $10 billion investment in ChatGPT. Companies discussed: AXP, GS, AMZN, MSFT, GOOG, GOOGL Host: Chris Hill Guests: Jason Moser, Tim Beyers, Tim White Producer: Ricky Mulvey Engineers: Rick Engdahl, Tim Sparks

Snap fell 30% and took other social media and advertising stocks down with it. (0:30) Emily Flippen and Ron Gross discuss: - Pinterest, Meta Platforms, and Alphabet getting dragged down by Snap's bad news - American Express shares falling despite increased full-year guidance - Boston Beer's strong 3rd-quarter report - The latest from Microsoft, Netflix, Tesla, and Tractor Supply (19:15) Emily and Ron dip into the Fool Mailbag and discuss: - Medical device pure-plays - Investing books they recommend - Surprising economics of pumpkin spice - The latest from McDonald's and Keurig Dr. Pepper - Stocks they're more bullish on - Two stocks on their radar: ASML Holding and Blackstone Got a question about investing? Email podcasts@fool.com Stocks mentioned: SNAP, PINS, META, GOOG, GOOGL, CAT, DE, AXP, NFLX, MSFT, TSLA, TSCO, SAM, MCD, DNUT, SYK, MDT, ZBH, JNJ, RMD, SG, FNCL, JPM, SBUX, PEP, KO, KDP, BX, ASML Host: Chris Hill Guests: Emily Flippen, Ron Gross Engineer: Dan Boyd

Welcome back to the show! In today's episode of the Atheist Experience, Matt Dillahunty is joined by Jim Barrows!Mr. Warlights from AK starts off the show by accusing Matt of secretly believing in spirits because Matt is just a normal human like the rest of us, and regular humans all believe in spirits. You know, as opposed to all of the not regular humans who don't?Next is Isaiah from Korea who is calling to talk about the parental reaction to deconversion, or not sharing the religion of their parents, and why some parents react so harshly compared to others.Kevin from CA is convinced that a God exists because they encountered portal spirits who showed them a plane of existence that mirrors our own reality.JB from CO calls in to present problems they see with any reliance on naturalism regarding answering questions about our perceived reality.Next up is Jeremy from Fl who asks our hosts if a coincidence would ever be enough to convince our hosts that there is a god or supernatural power controlling the universe.Darius from CA claims to have an argument that will prove that no one really believes that a God exists. Care to explain how you managed to get into every person's head?Paul from PA doesn't understand why Atheists get to ask Theists for evidence supporting their beliefs, but Theists can't do the same for Atheists. Effectively, why don't Atheists have a burden of proof?Chris from Sweden proposes the Hitchens razor, “what can be asserted without evidence can also be dismissed without evidence,” and attempts to nullify it with a weird example of Matt questioning his mother about who his father is.Phillip from PA asks how someone would be able to discern the universe of some cosmic being sending you a message, or just something fabricated by your own mind.

Welcome back to the show! In today's episode of the Atheist Experience, Matt Dillahunty is joined by Jim Barrows!First up is James from Canada who supposedly has scientific evidence that supports Jonah's ability to survive in a whale's mouth. Except it wasn't a whale's mouth, but the stomach of a fish.Our first audience question of the show asks what the host's opinion what the weirdest Christian denomination is.Next is Sean from UT who criticizes referencing the harm caused by Christianity throughout history because they don't believe those who carried out that harm truly understood the bible's teachings.Next is audience member James from TX who asks if the same criteria used to determine which books to include in the bible can be used to exclude certain books.Bob from VA thinks Atheists won't accept that God does all of the miraculous things the caller claims he can because they willingly don't understand.Roy from IL presents an argument for the exodus story and how this is evidence for biblical truth and the existence of a messiah.Next is Kevin from GA who believes Matt holds theists to a different burden of proof than he does himself.Kai from Israel asks how atheists can evaluate something as immoral without an objective moral authority, and if they can, why should anyone care or respect their subjective moral opinion?

Welcome back to the show! In today's episode of the Atheist Experience, JMike is joined by Forrest Valkai!First up is Charles from Canada who is calling to present a bible quote that supposedly supports the truth of evolution. What about all of the other verses that do not?Next is Luc from Canada who disagrees that Atheists can have an objective moral system without belief in a God. There are objective facts about our reality that we can form a morality around. Chopping off someone's head objectively damages someone physically, so we can then objectively evaluate the action of head-chopping and come to the exact same moral conclusion.Antonio from AL is calling to argue that the Bible is the evidence for God and that Atheists are unfairly throwing out the Bible because science can't yet explain all of the claims. The caller also believes that Adam and Even were literally formed out of dust and a rib respectively, and cites modern science and medical procedures that vaguely align with the claim to support it.Alcibiates from FL thinks that we ignore science when it comes to gender identity. Also, vaccines aren't necessary because they didn't get vaccinated and interacted with old people and they didn't get sick.Next is Henry from Estonia who claims that since religious people are as a collective happier, therefore it's better to be religious than Atheist.Tyler from IN is calling to discuss the typical theist rebuttal, “Everybody knows there was a historical Jesus.” The caller dug into finding evidence for that claim and like most of us, couldn't find anything. Even if he did exist, a historical Jesus in no way supports the magical aspects claimed in the Bible.

Welcome back to the Atheist Experience everyone! Today, here to kick off our first episode back in the studio are your hosts, Jim Barrows and Christy Powell!Our first audience question is from Aaron from TX who is wondering how our host's ended up volunteering here at the ACA?Rodney from MI is calling to prove the existence of the Christian God. Their evidence is that they believe in Jesus and his life story, and the likeness of the near-death experience accounts.Next is Gohan from TX who wants to know when it is ok to force someone else's to use their body without their permission? This person is like the magic eight ball of anti-abortion arguments, always wrong.Next is Andrew from TX who asks why theist apologists continue trying to use the non-interactive deistic “nothing” god as a stepping stone to get to their own interactive god.Up next is Vàclav from the Czech Republic who is calling to tell us about the biblical stories and mythological claims that convinced them in the past.Next up is Larry from TX gets annoyed when people tell him that Atheism is just another religion and is wondering if the host's have any advice for how to respond.Nancy from TX points out that Austin is known as a beacon of blue in a sea of red, and is concerned about how the insane governmental decisions are going to affect that “balance.”Steve from FL is grieving a loved one, and despite recognizing the irrationality of believing in a God without evidence, they still feel a pull towards it due to the hope it gives of seeing them again. The caller is wondering if our hosts have any advice for how to sequester this feeling of hope.

In today's episode of the Atheist Experience, Jim Barrows is joined by Kenneth Leonard!First up is Kevin from FL who compares our relationship to God, as a child's to their parents. From this, the caller claims that God's past actions and “rules” about morality are disagreeable to us because we are incapable of understanding his reasoning in a similar manner to how a child doesn't understand why playing video games all day can be detrimental.Marcus from KY apparently has a miraculous survival story after getting attacked by a black bear. What about the story indicates a miracle occurred?Jay from MO asks our hosts about evil atheists and if they would want to live in a sin filled, evil atheist world filled. I'm not necessarily saying the framing of the question is underdeveloped, but, I'm definitely saying that.Jody from DC is coming in with a plan to prove God's existence with metaphysics and ontology. I am looking for an oasis of a single relevant point in this expansive desert of ideas.Next is Mohammed in the United Arab Emirates who is an Atheist parent with a child entering the school system soon, and doesn't want to outright tell their kid that God is made up, but also doesn't want their child to be pressured into Islam by those around them.Next is Rich from GA who asks our hosts if they would think getting cast into hell by God is unfair because they maintained their skepticism and didn't accept God prior to their death? Well yeah, obviously.Up next is Michael from FL came out of religion and became a skeptic relatively recently, and explains that when he hears personal religious anecdotes, they feel like they have to actively hold back their years of indoctrination that draws them to those claims, but recognizes that just “tuning it out” is no longer skepticism.