Podcasts about debit

Have any spare change? Do you still use cash and coins? The US Treasury Department and US Mint announced that it will stop making pennies after it runs out of the blank templates used to make the coins, saving the government $56 million a year in materials costs.  There is no indication that pennies will be taken out of circulation, only that new pennies will not be produced. This move should have no impact on electronic purchases - ACH, Wire, Debit, Credit, etc.  A few news articles on the subject: https://www.axios.com/2025/05/22/penny-coins-end-production-2026 https://www.axios.com/2025/05/24/treasury-penny-production-trump-shopping-change This issue is not unique to the United States. Canada, Australia and New Zealand stopped producing their penny-equivalents years ago. The cost to produce $0.01 is now approximately $0.0369 per penny, causing a loss to the US Mint of approximately $85.3 million.  And our other coins are similarly expensive to produce: $0.05 nickel costs $0.1378 per coin $0.10 dime costs $0.0576 per coin $0.25 quarter costs $0.1468 per coin It may be time to start using all those pennies we're currently saving in jars and piggybanks. What do you think? How will stopping the production of the penny impact you? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  

Ukraina veiksmīgi īsteno operāciju "Zirnekļa tīkls". Polijas prezidenta vēlēšanās uzvarējis konservatīvās opozīcijas kandidāts Navrockis. Latvija debitē ANO Drošības padomē. Aktualitātes analizē atvaļināts vēstnieks un lektors Latvijas Universitātē un Juridiskajā augstskolā Gints Jegermanis. Sazināmies ar Nacionālās aizsardzības akadēmijas pētnieku vēsturnieku Valdi Kuzminu un politologu Kārli Daukštu. Trumpji Zelenska piedurknē Ne viens vien pasaules medijs 2. jūnijā savos virsrakstos piesauca kāršu spēles motīvus. Tehnoloģiski novatoriska un organizatoriski filigrāna Ukrainas Drošības dienesta operācija pret Krievijas stratēģiskās bumbvedēju aviācijas bāzēm dziļi agresorvalsts teritorijā tiek uztverta kā nepārprotams mājiens prezidentam Trampam, kuram tīk klāstīt, ka Ukrainai „neesot kāršu” pašreizējā spēlē, respektīvi, nav izredžu pretoties Krievijas agresijai. Ilgstoši un pamatīgi gatavotajā diversijas akcijā neko nenojauzdami kravas mašīnu šoferi nogādāja Krievijas aviācijas bāzu tuvumā konteinerus, kuros it kā atradās moduļu mājas. Kad vajadzīgās lokācijas bija sasniegtas, no konteineriem izlidoja desmitiem lidrobotu un devās uz mērķi. Pavisam triecienus saņēma četri objekti, no kuriem salīdzinoši tuvākie atrodas pie Rjazaņas un Ivanovas, attiecīgi nepilnu astoņsimt un apmēram tūkstoš kilometru attālumā no Kijivas, attālākais pie Murmanskas, apmēram divtūkstoš kilometru attālumā, bet vistālāko – Sibīrijā, Irkutskas apgabalā – no Ukrainas galvaspilsētas šķir apmēram 4300 kilometri. Uzbrukuma mērķis bija stratēģiskie bumbvedēji un radioizlūkošanas lidmašīnas, kas, cita starpā, ietilpst Krievijas kodolspēku sastāvā, bet tiek izmantotas arī raķešu triecieniem pa Ukrainas pilsētām. Sākotnēji figurēja visai atšķirīgi dati par nodarītajiem zaudējumiem, līdz vakar Ukrainas Drošības dienests paziņoja, ka pavisam esot trāpīts 41 lidaparātam un trīspadsmit no tiem padarīti nelietojami. Tas ir jūtams zaudējums, sevišķi ja ievēro, ka tādus lidaparātus kā Tu-95 un Tu-22M3 jau ceturtdaļgadsimtu vairs neražo, un izskan viedokļi, ka attiecīgo zaudējumu kompensēšanai varētu būt vajadzīgi gadi vai pat desmitgades. Tāpat šī operācija liek Krievijai domāt par savas stratēģiskās aviācijas izkliedētāku dislocēšanu, kas mazinās tās izmantošanas efektivitāti. Pasaule vēl aizgūtnēm turpināja apspriest svētdienas operāciju, kurai Ukrainas Drošības dienests devis nosaukumu „Zirnekļa tīkls”, kad agrā otrdienas rītā jaudīga zemūdens eksplozija satricināja Krievijas uzcelto tiltu pāri Kerčas šaurumam, plašāk pazīstamu kā Krimas tilts. Zemūdens eksplozija notikusi tuvu gruntij un pamatīgi bojājusi vienu no tilta balstiem. Pēc tam tilts uz laiku ticis slēgts, tad atkal atvērts, tad vēlreiz slēgts, un šobrīd nav īsti skaidrs, vai un kādā režīmā tas funkcionē. Latvija debitē ANO Drošības padomē 3. jūnijā Apvienoto Nāciju Ģenerālā asambleja ievēlēja piecas jaunas ANO Drošības padomes nepastāvīgās locekles ar mandāta termiņu 2026. un 2027. gadā. Viena no jaunievēlētajām loceklēm ir Latvija, pārējās – Bahreina, Kolumbija, Kongo Demokrātiskā republika un Libērija. Vēl piecas nepastāvīgās locekles, kas Drošības padomē ieņem vietas kopš šī gada sākuma ir Dānija, Grieķija, Pakistāna, Panama un Somālija. Kā vēsta statistika, pavisam balsojušas 188 dalībvalstis, pret balsojušo nav bijis, taču zināms skaits balsotāju attūrējušies. Visvairāk tādu bijis balsojumā par mūsu valsti – veseli desmit, kamēr, piemēram, Bahreinas gadījumā šādu pārliecības trūkumu paudušas vien divas delegācijas. Latvija ir arī vienīgā no ievēlētajām padomes loceklēm, kas šo prestižo pienākumu uzņemsies pirmoreiz. Drošības padomes kompetencē ietilpst jebkura drošības jautājuma izvērtēšana un attiecīgu lēmumu pieņemšana, aicinot ANO dalībvalstis vērst pret drošības apdraudētāju ekonomiskās vai diplomātiskās sankcijas, tāpat Drošības padome var lemt par militāru vai citu nepieciešamu līdzekļu lietošanu. Pagātnē ar šādu mandātu starptautiskās koalīcijas iesaistījās Korejas karā 1950. gadā, veica Kuveitas atbrīvošanu no Irākas okupācijas 1991. gadā un intervenci Lībijā 2011. gadā. Drošības padome ir tā institūcija, kas izvirza Apvienoto Nāciju ģenerālsekretāra kandidatūru un iesaka jaunu dalībvalstu uzņemšanu organizācijā. Kā zināms, bez desmit pārvēlamajām Drošības padomes loceklēm tajā ir arī piecas pastāvīgās locekles ar veto tiesībām – Savienotās Valstis, Lielbritānija, Francija, Krievija un Ķīna. Līdz nesenam laikam trīs Rietumu demokrātijas – ASV, Lielbritānija un Francija – tika apzīmētas kā „P3”. Tās tradicionāli ieņēma līdzīgu pozīciju visos būtiskākajos globālās politikas jautājumos. Taču kopš Baltajā namā saimnieko Donalds Tramps, šī ierastā kārtība jau vairākkārt tikusi izjaukta. Tāpēc katras uz tradicionālajām Rietumu vērtībām orientētas valsts klātbūtne Drošības padomē šobrīd iegūst papildu nozīmi. Par purna tiesu Nepilni 370 000 no apmēram 21 miljona jeb mazāk nekā divi procenti – tāds balsu apjoms izšķīra Polijas prezidenta vēlēšanu rezultātu. Pēc vēlēšanu pirmās kārtas 18. maijā sacīksti turpināja divi: valdošās labēji centriskās Pilsoniskās platformas kandidāts, Varšavas mērs Rafals Tšaskovkis un lielākās opozīcijas partijas, nacionālkonservatīvās „Likums un Taisnīgums” un tās sabiedroto atbalstītais neatkarīgais kandidāts Karols Navrockis. Negaidīti labi rezultāti pirmajā kārtā bija vēl diviem izteikti labējiem kandidātiem: Brīvības un neatkarības konfederācijas pārstāvis Slavomirs Mencens ieguva gandrīz 15% un monarhistiskās Polijas kroņa konfederācijas pārstāvis Gžegošs Brauns – vairāk nekā 6% balsu. Brauns aicināja savu elektorātu balsot par Navrocki, savukārt Mencens sarīkoja publisku pasākumu, kurā aicināja abus otrās kārtas kandidātus parakstīties zem viņa ierosinātās programmas astoņiem punktiem. Navrockis parakstīja, Tšaskovskis – nē. Vairāki centriski un kreisi kandidāti, tādi kā Šimons Holovņa no Polijas Tautas partijas vai Magdalena Bjejata no koalīcijas „Kreisie”, savukārt aicināja balsot par Tšaskovski, kaut arī kreisajiem ir pretenzijas pret Pilsoniskās platformas labējo sociālo politiku. Rezultātā ar gluži nelielu pārsvaru uzvaru svētdien, 1. jūnijā, svinēja Karols Navrockis. Vēlēšanu rezultātu kartes rāda Polijai jau ierasto ainu, kad par konservatīvo politiku balso vēsturiskās poļu zemes valsts centrā un dienvidaustrumos, savukārt par liberālāku pieeju – pēc Otrā pasaules kara pievienotās teritorijas rietumos un ziemeļos, kā arī Varšava un citas lielās pilsētas, izņemot Krakovu. Tā nu Polijā turpināsies līdzšinējā situācija, kad centriskai un proeiropeiskai valdības koalīcijai jāsadzīvo ar radikāli konservatīvu prezidentu. Navrockis tiek dēvēts par „Polijas Farāžu”, ciktāl ir kategoriski pret ciešāku Eiropas Savienības integrāciju, tai skaitā pret eiro ieviešanu Polijā, un arī skeptisks par savienības tālāku paplašināšanos, tai skaitā Ukrainas uzņemšanu. Tomēr jaunievēlētā prezidenta uzskati noteikti nav prokremliski, ciktāl Krievijas agresijas atturēšanu viņš uzskata par Polijas drošības politikas stūrakmeni, aicinot stiprināt NATO, sadarbību ar Savienotajām Valstīm un reģionālo sadarbību ar t.s. Bukarestes devītnieku – Čehiju, Slovākiju, Ungāriju, Rumāniju, Bulgāriju un Baltijas valstīm; tāpat ar Somiju un Zviedriju. Polijas prezidenta pilnvaras nav sevišķi plašas, taču pašreizējā situācijā konservatīvam prezidentam faktiski ir likumdošanas veto iespējas. Prezidenta veto Sejms var atcelt ar 60% balsu, bet centriski liberālajiem spēkiem šāda pārsvara likumdevējā nav. Sagatavoja Eduards Liniņš.

On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a critical warning for those who diligently pay off their credit card in full each month after he discovered a little-known issue that could inadvertently harm your credit score.This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn moreCheck out this week's ⁠podcast article⁠ on the Money to the Masses website to see the full list of resources from this week's show (00:00) - Episode 504 of The Money to the Masses podcast(04:45) - Holiday Scams: Seven Ways Fraudsters Target Your Getaway(13:26) - Decoding Your Tax Code: Are You Paying the Right Amount?(21:12) - A Word of Warning for Those Who Clear Their Credit Card in FullFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Click to support the showLinks referred to in the podcast:⁠Best travel insurance providers in the UKEpisode 477 - Ghost BrokersMore information on Tax Codes and how to get them resolvedTake out a free trial of 80 20 investorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

(0:00) Intro(2:08) Insaan par Aazmaish aane ki wajah kya hai?(5:11) Kaainat ka wajood kyun aur kaise hua?(6:45) Non-Muslim ka Sochna(7:48) Urdu se Rishta(8:55) Zamaane ke baray mein ghalat fehmi(13:54) Light jana Pakistan mein normal(14:04) Pakistan ko India se masla nahi?(14:40) Heart Attack kaise hota hai?(19:23) Insaan aksar kis umar mein tauba karta hai?(22:02) Gym mein bodybuilder ki death(23:21) NASA Videos aur “Sooraj ki garmi”(30:00) Machhar ki dunya(31:53) Allah ki be-aib takhleeq(33:56) Masjid committee ke Sadr bhai ki lambi zindagi(35:09) Ma'azoor bachon ki pedaish(36:03) Aazmaishon ki wajah kya ho sakti hai?(38:45) Aazmaishon ki 2 qisamain(39:35) Ijtimai aazmaish mein sabr kaise kiya jaye?(41:45) Pakistani Mentality during war(42:54) Mufti Sahab ko Pak Army ki fazilat bayan karne par -ve feedback(46:41) Indian Drone na girne par aitraz(47:59) India ne civilians par attack kyun kiya?(48:14) War mein mulk se ghaddari se bachne ka tareeqa(49:22) Wagah border par Mufti sb ki aamad(50:51) Indian Muslims ki miserable life(51:27) Modi ke zulm(52:25) War ki aazmaish(53:47) Ghar mein shishtem(54:52) Current Indian Govt se Pakistan dushmani(55:15) India-Pak war par Mufti sb ki naseehat to Pakistan(57:07) Fasadi khawateen ka tajziya(57:54) Mufti sb ke ghar mein war jaisa waqia(1:02:40) War ke dino mein positive soch rakhna(1:04:22) Khulasa bayanSawal Jawab(1:04:51) Rafee Bhai ke 2 sawalon ka jawab(1:09:53) Barri umr ki aurat ke liye kam umr mard ka rishta?(1:12:24) Jhooti qasam khane ka kaffara?(1:12:59) Baghloon ke baal saaf karne ka sunnat tareeqa(1:13:52) In 2 hadithon ka matlab?(1:15:02) Leetne se wudhu toot'ta hai?(1:15:44) Namaz qubool hone mein vehmi hona?(1:16:33) Wrestling se kamai halal hai?(1:17:31) Debit card par discount lena?(1:17:55) Lay palak bache ka masla(1:19:58) Brailvi imam ki peeche namaz parhna?(1:21:24) Mufti sb ka channel India mein ban(1:21:37) Pak-India war mein baandiyan(1:22:12) Martial arts ki dressing aur earnings?(1:24:17) Indian channels ke jhoot(1:26:39) Elections mein vote ka tareeqa (Pak-India)(1:27:56) Pak war memes — Mazahiya ya be-adabi?(1:28:50) 3 Sawalat(1:31:50) Hafiz ya Imam agar darhi na rakhe to?(1:33:56) Mufti Abdul Raheem sb ka recent bayan on Ghazwa-e-Hind(1:35:08) Qabar par tilawat ki niyyat se jana(1:36:20) Ghazwa, Jang aur Syria(1:37:05) Aise alfaaz se talaq ho jati hai?(1:38:48) Pak-India war mein Indian Muslims ki shahadat(1:40:55) 2 More Sawalat(1:43:00) Rukhsati se pehle talaq ka case(1:46:31) Jihad ka mauqa milne par(1:46:58) Agar dost beizzati kare to kya karein?(1:47:54) Burai se bachne ke liye shaadi(1:49:21) Hostel mein Brailvi roommate ko namaz padhne ka kaise kahain?(1:50:24) Mobile mein Qur'an padhna(1:50:29) Walaikum Assalam WRWB Hosted on Acast. See acast.com/privacy for more information.

In dieser Podcast Episode verraten euch die beiden go2travel Gründer Robin und Michael wie es um die Einreise in die USA steht und was du wirklich wissen musst. Was sind allfällige Knackpunkte, hat sich effektiv etwas geändert und wo handelt es sich nur um Mythen? Was sind die Unterschiede einer Debit- und einer Kreditkarte und weshalb ist eine solche mit vorzugsweise grosszügiger Limite eminent wichtig? Wie steht es um das Thema Bargeld? Wie viel sollte man mitnehmen und ist Bargeld überhaupt noch ein gängiges Zahlungsmittel in Nordamerika? Was ist beim Tanken zu beachten? Ist ein internationaler Führerausweis notwendig, um ein Auto zu mieten und weshalb ist rechts abbiegen beim Rotlicht kein Verbrechen? Wie viel Trinkgeld ist angebracht und was hat es mit den Taxen auf sich? All diesen Fragen gehen die beiden Nordamerika Profis auf den Grund und verraten weitere nützliche Tipps und Tricks bei der Planung einer USA-Reise. Moderation: Manuel Wälti

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10th April: Blockchain DXB podcast

Wir sind zurück in Berlin und sprechen über die Herausforderungen der Rückkehr ins deutsche Tempo. Außerdem geht es noch einmal um Manuels Zahnseiden-Passion, um neue, zerstörerische Scanner an Flughäfen und die Kartenzahlung in Deutschland. Zum Abschluss beantworten wir eure Fragen: Wie sicher ist es als alleinreisende Frau in Deutschland? Und wie viel Reisen ist zu viel Reisen?   Transkript und Vokabelhilfe Werde ein Easy German Mitglied und du bekommst unsere Vokabelhilfe, ein interaktives Transkript und Bonusmaterial zu jeder Episode: easygerman.org/membership   Sponsoren Hier findet ihr unsere Sponsoren und exklusive Angebote: easygerman.org/sponsors   Unsere Hausmitteilungen In 2025 machen wir zwei Podcast Live Events in Basel

Shoot us a Text.Episode #1011: Today we're breaking down the early fallout from sweeping auto tariffs, Toyota's recalibrated EV strategy, and why Gen Z is ghosting credit cards.Show Notes with links:The 25% tariff on imported vehicles is forcing swift and varied responses from automakers, with some pulling back and others ramping up U.S. operations. The early shakeup shows just how disruptive the new trade landscape could become.Stellantis paused production at Canadian and Mexican plants and laid off 1,000 U.S. workers.Infiniti halted U.S.-bound production of the QX50 and QX55 “until further notice.”VW stopped rail shipments from Mexico; Audi is holding vehicles at U.S. ports post-tariff. JLR is temporarily pausing US shipments.GM is boosting pickup production in Indiana, and Mercedes may shift another model to Alabama.Ferrari and Ineos raised prices up to 11%, while Ford and Stellantis launched deep discounts to keep buyers interested.“Consumers will feel financial pain faster than they will see new jobs,” warned S&P Global's Stephanie Brinley.Once criticized for lagging in the EV race, Toyota is charting a new path with more in-house models and global production—but with tempered expectations. The automaker is still prioritizing flexibility as it balances EV growth with its hybrid-heavy portfolio.The Japanese manufacturer aims to launch 15 internally developed EVs by 2027, including several Lexus models.New production sites in the U.S., Thailand, and Argentina are planned to hedge tariff risks and improve delivery timelines.The target is 1 million EVs per year by 2027—down from earlier projections of 1.5 million by 2026.In 2024, Toyota sold just under 140,000 EVs, less than 2% of its global volume of over 10 million vehicles.A new survey reveals Gen Z's growing distrust of credit cards, with many opting for debit, cash, and peer-to-peer options instead. High APRs, confusing terms, and debt fears are driving a generational payment shift that could reshape future retail habits.68% of Gen Z say credit card bills cause stress; 51% say cards give them the “ick.”Debit (68%) and cash (67%) top Gen Z's preferred payment methods—only 35% use credit cards, with 82% of respondents overall saying credit cards are “financially dangerous.”57% of Gen Z admit they don't fully understand card terms, and 53% have been surprised by interest charges.“It doesn't make sense to pay 20%, 25% or 30% in interest just to earn a few percentage points in cash back,” said Ted Rossman, Bankrate senior analyst.Join hosts Paul J Daly and Kyle Mountsier as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

While it's true that nonprofits often fail for lack of funding, there are reasons that they don't achieve funding or that they use it incorrectly and/or inappropriately. Here's my experience from eight boards, including chairing two of them: The boards are weak. They are made up of "names" who would seem to be significant, but who provide very little in terms of governance skills, strategic viewpoint, or even attendance. The executive director/CEO remains too long. The "shelf life" of these leaders is about seven years. After that, they stop serving the institution and the institution starts serving them. They create a tyrannical "fiefdom." No skin in the game. There must be a "give or get" minimum financial contribution from the board. They can't just play with "other people's money," and many granting foundations insist on such investment as a must for grants. They are not run as businesses. There is a budget to meet, strategic goals to achieve, the mission to be accomplished. They often approve budgets with illusory revenue sources, for example. They aren't professionally run. Just because you're a "volunteer" doesn't mean you have an excuse to be unprofessional. You need to meet accountabilities, show up, and do your job. Donors are not sufficiently romanced. Donors need to be "triaged" so that the highest donors receive the most recognition. One theater, in a fit of "woke" madness, actually put donors in alphabetical order in their playbill, so that no one knew who gave $5 or $50,000. That's just dumb marketing. They exhaust funds and credit lines with no idea of how to repay. Debit kills the arts in particular. There's no room to take risks or to contract for expensive rights. Politics overwhelm the value. It was just pointed out that every member of the board of National Public Radio, accused of being far too liberal and unfair in its reporting, is a Democrat. That wasn't an accident, and they're using public tax money. They default to tactics on the board, not strategy. Instead of talking about what to create to attract more patrons or donors, they discuss what meal to serve at the next fundraiser. Every organization is a business. You need customers/clients/members/audience/contributors. You need leadership and board members who know how to run a business and meet goals and financial requirements. Oh yeah: And you need term limits to remain contemporary and effective.

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week we learned that Hyatt has changed their terms to give another property an exemption from honoring elite benefits. With their exclusion list growing longer and longer is this a move in the wrong direction? Is Hyatt's growth coming at the cost of a consistent loyalty program?   In other news American Express released increased offers for two of the Marriott cards where you can get a welcome offer up to 185K. We also discuss: US Bank's way too generous 4% cashback card, Air India's poopy flight, popping champagne on an airplane, Wyndham and Discover debit rewards cards, 20K Amex pay over time offers and a hotel ice machine hack.   Episode Guide 0:00 Popping champagne on an airplane 0:51 Air India's poopy flight 2:40 Southwest gets even worse than last week 5:33 Hyatt's Globalist benefits are declining 7:16 Hyatt's growth is pressuring elite benefits 9:10 Up to 185K increased Marriott Bonvoy card offers 11:09 US Bank's insane 4% back card - Too good to be true? 13:01 Melio $200 offer - Easy spend and profit 14:17 Wyndham launches new debit rewards card 15:59 Discover's cashback debit card may be a better option 16:43 Amex 20K Pay Over Time offers return 17:47 Cool S - Hotel ice machine hack Links Popping champagne - https://x.com/InternetH0F/status/1901438364546740605 Air India - https://x.com/sjlazars/status/1899074610689384771?s=46 Hyatt elite issues - https://viewfromthewing.com/hyatt-hotels-are-ignoring-elite-perks-and-no-one-is-stopping-them/ US Bank Smartly - https://milestomemories.com/u-s-bank-rethinking-the-smartly-visa-credit-card/ Wyndham debit - https://travel-on-points.com/wyndham-debit-card/ 20K Pay Over Time - https://milestomemories.com/pay-over-time-offers-an-easy-20k-in-points/ Hotel ice hack - https://www.youtube.com/shorts/BrX-scnvl-o Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Loans supplied by funds have swelled to some $2 trln, disrupting regular banks. In this episode of The Big View podcast, Huw van Steenis of Oliver Wyman explores the drivers of the industry's rapid growth, how much bigger it could get, and what risks it might be storing up. Visit the Thomson Reuters Privacy Statement for information on our privacy and data protection practices. You may also visit megaphone.fm/adchoices to opt-out of targeted advertising. 

A sharing of my journey into presence.Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUOKo-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being**Episodes also available on YouTube****Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

Snag Our Simplified Budget System!Hey, Budget Besties!

A sharing of my journey into presence and excerpts from the book Karma by Sadhguru.Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUOKo-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being**Episodes also available on YouTube****Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

A sharing of my journey into presence and excerpts from the book Karma by Sadhguru. Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUO Ko-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being **Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

Credit மற்றும் Debit கார்டுகளின் மோசடிகளை தடுக்க 2030-ஆம் ஆண்டிற்குள் கார்டுகளில் இருந்து 16 இலக்க எண்ணை அகற்றும் திட்டத்தை MasterCard அறிவித்துள்ளது. இது குறித்த செய்தியின் பின்னணியை தயாரித்து வழங்குகிறார் செல்வி.

Terry Cutler is a cybersecurity expert at Cyology Labs in Montreal.

A sharing of my journey into presence. Readings from the book ‘Karma' by Sadhguru. Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUO Ko-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being **Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

C'est quand on est à l'arrêt qu'on se rend compte à quel point la vie va vite. On passe notre temps à courir, derrière des bus, des horaires, des rêves, des boulots, des hommes, du temps, de l'argent. Et si on s'arrêtait, juste quelques instants, le temps d'écouter mon invité d'aujourd'hui. Qui demain, sera déjà repartie !Championne de France de planche à voile, animatrice emblématique de la « Carte aux trésors » et d'« Intervilles » entre autre … elle est aussi une femme d'affaires avisée et une militante active pour le bien-être et l'environnement. Elle se conjugue au pluriel mais n'a qu'une seule religion, qu'elle pratique assidûment, c'est le sport qui l'a fait littéralement exulter et l'a sortie de bien des mauvais pas.C'est dans le doux brouhaha d'un petit salon de thé que je finis par rejoindre Nathalie Simon qui m'attend tranquillement, un grand sourire aux lèvres. Lumineuse, elle incarne aujourd'hui une philosophie de vie axée sur l'équilibre, le mouvement, la positivité et l'envie de transmettre. Ca tombe bien, j'ai très envie d'apprendre. Alors on attaque direct, pas de chichi.

Are you stuck deciding between using a debit card or a credit card?

A sharing of my journey into presence. Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUO Ko-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being **Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

Chris Schmidt, Elijah Herbel, and Mark Kraynak join you for this weekend edition of Hail Varsity Radio. They're joined by Brandon Vogel, who dives into his assessment of Nebraska's moves in the transfer portal so far this offseason, before Gary Sharp checks in to discuss this week's CFP results, Nebrasketball's test against UCLA on Saturday, and more.       A Hurrdat Media Production. Hurrdat Media is a digital media and commercial video production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network and learn more about our other services today on HurrdatMedia.com

Episode 109 - Real Estate Exam Questions: Closing the Transaction Going through state exam questions to help real estate students pass their state exam.   Happy New Year! 3 Year Anniversary of A-Ha! REEP. YAY!!! Don't be entitled in life, in real estate, or with me. Ha ha!! List of recent grads: Joseph, Alejandro, Madiera, Tylar, Travis, Douglas, Zack, Christi, Alan, Patricia, Devon, Trudy, Rhonda, Wanda, Daniella, Cecilia, Maisy, Lena, Ruth, Melody, Sadie, Ryan, Tomeka, Scott, Christina, Chris, Jessica, Jeffery, and Hayley.   Listener messages: Jeffrey from Indiana and Hayley from Upstate New York Closing events and types                                                                                         Conducting the closing RESPA – Real Estate Settlement and Procedures Act ABA – Affiliated Business Arrangement TRID – TILA RESPA Integrated Disclosure rule; Truth in Lending Loan Estimate and Closing Disclosure forms Kickbacks, referral fees, and rebates Debit and Credit Prepaid and Accrued expense prorations Banker's Year vs. Actual calendar days Math Transfer stamps, excise tax, revenue stamps, deed tax, etc. Exam Questions   Go to www.ahareep.com and sign up for the program for only $35, use discount code: legend15 to save 15% off.   Go to www.indianarealestateinstitute.com for Indiana real estate classes.   A-Ha LINKS   Email info@ahareep.com   Web www.ahareep.com   Facebook https://www.facebook.com/AHA.REEP   YouTube https://www.youtube.com/channel/UCrxAjI5Li4Ll3Epwcyc0i6A

Mental health Vlog: https://youtu.be/AIo7IiDF6Q8?feature=shared A sharing of my journey into presence. Support: If you have the desire to give and further support this content, you can check out the links below. Your donation will go towards my self-care, everyday living and audio & video equipment. Paypal, Debit or Credit Card: https://bit.ly/31GnqUO Ko-fi: https://ko-fi.com/uncoveringtruebeing Twitter/Instagram : Uncovering True Being **Nothing I talk about are my ideas or pointings but learned through spiritual teachers such as Eckhart Tolle and Mooji, among others**

Send us a textJoin us for a lively discussion of some of the best books published this year. At the breakfast table to discuss their poetry and fiction choices are poet Adam Wyeth and novelist Henrietta McKervey. Plenty of stocking filler ideas here, and Peter and Enda also get to mention some of their own favourite books of the year, or ones they finally got around to reading this year. This is a double espresso and multiple pastry episode, so get that pot on the stove and get the earbuds in!This episode is supported by a Project Award from the Arts Council/An Chomhairle Ealaíon.Intro/outro music: Colm Mac Con Iomaire, ‘Thou Shalt Not Carry' from The Hare's Corner, 2008, with thanks to Colm for permission to use it. Adam's picks for 2024: Crash Centre by David McLoghlin , All the Good Things You Deserve by Elaine Feeney, High Jump: An Icarus Story by Gustav Parker Hibbett, We Go On by Kerry Hardie  Honorable Mentions: Four Thousand Keys by Linda McKenna , American Anthem by Kelly Michels , Dismantle by Anne TannamHenrietta's Fiction Choices: Elizabeth Strout, Tell Me Everything, John Boyne, Fire , Christine Dwyer Hickey, Our London Lives , Katja Oskamp, Half Swimmer  , Michael Frayn, Among Others Books mentioned by Peter: Lesley Chamberlain, Rilke, The Last Inward Man, Pushkin Press, Guillevic, Selected Poems, 1974, tr. by Teo Savory, Salvatore Quasimodo, Debit and Credit, tr. by Jack Bevan, 1972, Richard Zenith, Pessoa: An Experimental Life , Stanley Moss, Goddamed Selected Poems .Books mentioned by EndaDeborah Levy,  The Position of Spoons , Samantha Harvey, Orbital,, Grace Wilentz, Harmony (Unfinished), Aifric Mac Aodha, Old Friends,  James Harpur, The Gospel of GargoyleSupport the show

In this episode of Payments Corner Jordan and Jacqueline invite Klas Bäck from Pagos to join us as we do a deeper dive into the intricacies of network tokens and debit routing, discussing their benefits, challenges, and the importance of data in optimizing payment processes. They explore how network tokens can enhance acceptance rates and the complexities involved in implementing debit routing for merchants. We emphasizes the need for merchants to engage with their acquiring partners to leverage these technologies effectively. Also, Pagos is giving away FREE enriched BIN data on 25 BINs today to listeners. You can get those by clicking here: https://pagos.ai/landing/fraudboxer Klas Bäck - https://www.linkedin.com/in/klasback

While Americans rely on debit transactions for the necessities of life, most are unaware of the networks that drive those transactions, nor are they aware that one company, Visa, has monopolized debit transactions, penalized industry participants that seek to use alternative debit networks, and co-opted innovators, technology companies, and financial institutions to forestall or snuff out threats to Visa's debit network dominance.” So begins the monopolization lawsuit filed on September 24 by the United States Department of Justice (DOJ) against the country's largest card company, Visa Inc.On one level, the case is simple: The DOJ alleges a clear violation of laws protecting markets against monopolies. But the case gets more complicated when looking at the details, in part because payment systems are mostly invisible part of the financial ecosystem. In effect, the DOJ alleges that Visa is pulling the levers of a really opaque and complex system to preclude competition and squeeze fees out of banks and vendors for itself.To understand the complexities and implications of the case, Bethany and Luigi are joined by Kathryn Judge, Harvey J. Goldschmid Professor of Law at Columbia University. Judge is an expert on banking, financial crises, regulatory architecture, and intermediation design beyond finance. Her book, Direct: The Rise of the Middleman Economy and the Power of Going to the Source (HarperBusiness, 2022), was on the long list for the Financial Times Business Book of the Year Award. Together, the three of them discuss both the surface-level and structural issues of an economy where consumers and small businesses are shortchanged on what is essentially a private sales tax on all debit-card purchases—and how to look for collective solutions when opt-outs aren't possible.Episode Notes: Also check out the ProMarket article “A DOJ Victory Against Visa May Not Help Merchants or Consumers” by Lulu Wang, Assistant Professor of Finance at Northwestern University's Kellogg School of Management.

To my children paying for things with a card looks easy. They don't realize that these purchases must be backed up with money. If you find benefit from these devotions we'd encourage you to support our ministry. You can donate by visiting: https://peacedevotions.com/donate Connect with us on social media: Facebook: https://www.facebook.com/PeaceDevotions/ Website: https://peacedevotions.com/ YouTube: https://www.youtube.com/channel/UC2pFo5lJV46gKmztGwnT3vA Twitter: https://twitter.com/peacedevotions Instagram: https://www.instagram.com/peace_devotions/ Email List: https://peacedevotions.com/email --- Support this podcast: https://podcasters.spotify.com/pod/show/peace-devotions/support

Glen speaks with Jessica Heuer and Carrie Stapp about Velera's recent Psychology of Payments study and strategies for engaging various segments of card users. Also- Durbin and Putin attempt workarounds, and Fiserv wades into uncharted waters.   Links related to this episode:   Velera's Psychology of Payments report: https://www.pscu.com/insights/white-papers/the-psychology-of-payments Velera's website: https://www.velera.com/ The Economist's story on Russia's proposed “BRICs Bridge” payment system: https://www.economist.com/international/2024/10/20/putins-plan-to-defeat-the-dollar Payments Dive's coverage of Fiserv's special purpose banking charter: https://www.paymentsdive.com/news/fiserv-georgia-special-banking-charter-payments-processing-merchants/728933/ Arnall Golden Gregory's take on Fiserv's charter: https://www.agg.com/news-insights/publications/fiservs-georgia-malpb-charter-implications-for-the-payments-industry/ CU Today on the CCCA potentially being tucked into hurricane relief legislation: https://www.cutimes.com/2024/10/18/credit-card-competition-act-may-be-included-in-disaster-relief-bill   Join us for Fraud-a-Palooza! Wednesday October 23 at 3pm ET/Noon PT  The next CU Town Hall, a live and lively interactive conversation tackling the major issues facing credit unions today, will focus on a fraud environment that John Best calls the worst he's seen.  It's free to attend (credit union employees might even win a door prize), but registration is required:  https://www.cutownhall.com/   Contribute info to our fraud survey: https://forms.monday.com/forms/d76e9b3df9f4f42cec6c16d74b581be2?r=use1   Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

[SEGMENT 1-1] Perseverance in times of strife In times of strife, you find out who you really are. And this is why the conservatives in the path of the hurricanes are lucky.   I've said this my entire life. I've learned little, when I've had much. That's not to say that we should strive for chaos and uncertainty. But understand that even when times are good, they don't have to stay that way, no matter how well you've planned. Teaching perseverance is KEY.   Things that helped me survive Helene: A gas car A gas stove A gas hot water heater A gas chainsaw Cash Things that are/were useless during Helene: Electric cars Electric appliances Debit cards The city bus The government Diversity My tax dollars in Ukraine   During Hugo, my mom found out back then that having gas appliances was great. They didn't have electricity but had hot baths and could cook.  [SEGMENT 1-2] Government assistance 1   [X] SB – Kamala Harris asked about shooting a gun in 2015 Last time you shot a gun I'm a good marksman With a pistol or rifle   The government claims it can do it all. When in fact, it does very little. Before you get upset at that notion, understand that is the role of government. To be a backup plan, and not your go-to, or main plan. Somehow things changed along the way, where government wanted to plan for any eventuality that could occur. And while that is noble, you can't plan for total ignorance. Government stopped demanding that people have personal accountability.  [SEGMENT 1-3] Government assistance 2 What Biden-Harris managed to do is make America's poorest realize that government will abandon you, when it has its own goals. And the people most impacted figured out that they need a different backup plan. That plan is to get back to Trump era policies for starters. Trump hasn't won over the poor completely, but they do know they want no more of Biden or Harris or Democrats. The question for many is, “Are we too late?”   You get enough of these people, balanced with those who will almost NEVER take from the government, and you get Leftist equilibrium. See if you have LOTS of givers, and only a few takers, then governments can run a surplus. They run like Singapore or Switzerland. But when you bring in people who have a culture of subsistence, or you TRAIN people into subsistence, then you have major problems. So now the government has grown to enormous proportions and promises everything. But government doesn't wake up in the middle of the night to feed a hungry baby, or drive a kid to a soccer match. Government is not there to console a young girl suffering the heartbreak of her first breakup. Government doesn't share in the grief, but is always there to take credit for the celebration or take a cut of the windfall. Right now, Kamala Harris who has never done a hard days work outside wants to offer some idea of her “help” to the people on the East Coast. She's reassuring them that OTHER PEOPLE will get them out of their mess. She has NO idea what it takes to rally the people necessary to save lives, but she has the rhetoric. Donald Trump knows what it takes to build. He's been on the ground multiple times to serve the people, and truly has been-there-done-that.  [SEGMENT 1-4] Government assistance 3   [X] SB – Obama explains the tactics of the Left Spread dirt, conspiracies…citizens don't know what to believe Lose trust…media, political institutions, leaders, the truth…the game is won [X] SB – Aug 202 Biden asked about Trump's border policies Asylum ended Your new plan calls for reversing Trump's harsh plan What would you do with camps? If we don't do it well. Reach out to charitable communities Spending millions of $$ for access to move quickly.    Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

[SEGMENT 1-1] Perseverance in times of strife In times of strife, you find out who you really are. And this is why the conservatives in the path of the hurricanes are lucky.   I've said this my entire life. I've learned little, when I've had much. That's not to say that we should strive for chaos and uncertainty. But understand that even when times are good, they don't have to stay that way, no matter how well you've planned. Teaching perseverance is KEY.   Things that helped me survive Helene: A gas car A gas stove A gas hot water heater A gas chainsaw Cash Things that are/were useless during Helene: Electric cars Electric appliances Debit cards The city bus The government Diversity My tax dollars in Ukraine   During Hugo, my mom found out back then that having gas appliances was great. They didn't have electricity but had hot baths and could cook.  [SEGMENT 1-2] Government assistance 1   [X] SB – Kamala Harris asked about shooting a gun in 2015 Last time you shot a gun I'm a good marksman With a pistol or rifle   The government claims it can do it all. When in fact, it does very little. Before you get upset at that notion, understand that is the role of government. To be a backup plan, and not your go-to, or main plan. Somehow things changed along the way, where government wanted to plan for any eventuality that could occur. And while that is noble, you can't plan for total ignorance. Government stopped demanding that people have personal accountability.  [SEGMENT 1-3] Government assistance 2 What Biden-Harris managed to do is make America's poorest realize that government will abandon you, when it has its own goals. And the people most impacted figured out that they need a different backup plan. That plan is to get back to Trump era policies for starters. Trump hasn't won over the poor completely, but they do know they want no more of Biden or Harris or Democrats. The question for many is, “Are we too late?”   You get enough of these people, balanced with those who will almost NEVER take from the government, and you get Leftist equilibrium. See if you have LOTS of givers, and only a few takers, then governments can run a surplus. They run like Singapore or Switzerland. But when you bring in people who have a culture of subsistence, or you TRAIN people into subsistence, then you have major problems. So now the government has grown to enormous proportions and promises everything. But government doesn't wake up in the middle of the night to feed a hungry baby, or drive a kid to a soccer match. Government is not there to console a young girl suffering the heartbreak of her first breakup. Government doesn't share in the grief, but is always there to take credit for the celebration or take a cut of the windfall. Right now, Kamala Harris who has never done a hard days work outside wants to offer some idea of her “help” to the people on the East Coast. She's reassuring them that OTHER PEOPLE will get them out of their mess. She has NO idea what it takes to rally the people necessary to save lives, but she has the rhetoric. Donald Trump knows what it takes to build. He's been on the ground multiple times to serve the people, and truly has been-there-done-that.  [SEGMENT 1-4] Government assistance 3   [X] SB – Obama explains the tactics of the Left Spread dirt, conspiracies…citizens don't know what to believe Lose trust…media, political institutions, leaders, the truth…the game is won [X] SB – Aug 202 Biden asked about Trump's border policies Asylum ended Your new plan calls for reversing Trump's harsh plan What would you do with camps? If we don't do it well. Reach out to charitable communities Spending millions of $$ for access to move quickly.    Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

Join me on today's podcast for a powerful decision-making playbook that will transform the way you approach life's choices. You don't have to live with regret or wonder how things could have been different. Learn how to avoid costly mistakes and daily frustrations by making wise, God-centered decisions that lead to success. God wants to take you higher; don't miss this!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

In this episode, I'm diving deep into how God has set us free from depression, anxiety, and fear. Through the incredible sacrifice of Jesus on the cross, we no longer have to live weighed down by life's struggles. Jesus paid a high price so that we can enjoy a life full of joy and peace. Join me as we explore Biblical strategies to overcome challenges and step into the freedom God has given us. You don't have to live a hard life—there's so much more for you!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Did you know that it is God's will and desire for you to prosper in every area of your life? That includes your finances! God wants to bless you abundantly so that you can be a blessing to others and fulfill the plan of God for your life. In this episode, I explore the biblical principles behind prosperity and how it's part of God's design for His people. Join me on the podcast as I list 15 key reasons why God wants you to prosper.     GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

In this episode, I'm diving deep into 5 life-changing lessons I wish I had learned so much earlier. These lessons have transformed my life and I believe that these are the keys that can take your life to the next level. Don't miss out!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Chaim shares invaluable insights on setting clear financial goals, long-term planning, and budgeting, especially in the face of today's high inflation and living costs. We explore the psychology of credit card and debit card spending, particularly within large families and among frequent traveler Tune in to hear real-life success stories and rapid-fire advice on impactful books and personal aspirations. This episode promises to transform your financial life with practical wisdom and proven strategies for responsible spending and long-term savings. Get ready to be inspired and empowered to achieve financial freedom with expert advice from Chaim.   Episode Links:  TauberSolutions.com Chaim WhatsApp Panda Doc 00:06:10 - Clear budgeting reveals unnecessary expenses and savings. 00:09:22 - Mindset difference in spending: Credit vs. Debit. 00:12:39 - Use debit card; keep credit card handy. 00:14:49 - Switching to debit saved millionaire $180,000 yearly. 00:18:12 - Knowing numbers helps identify and solve problems. 00:21:31 - Spouses often hide finances to avoid judgment. 00:23:34 - Start financial conversations with spouse to reach goals. 00:28:03 - Rents and home prices skyrocketing, mortgages increasing. 00:31:44 - Teach youth to save with small incentives. 00:35:46 - Emergency fund enables focus on family health. 00:37:24 - Stocks as gambling; possible gains or losses. 00:40:44 - Adapted Dave Ramsey's principles for Haimisha lifestyle. 00:43:29 - Clients achieve financial independence in six months. 00:46:49 - Use high yield savings accounts; identify goals.   Practical Pointers from this episode : Take inspiration from real-life success stories of individuals who achieved financial freedom through disciplined saving and smart financial planning. This can provide motivation and practical strategies for your own financial journey. Focus on paying off high-interest debts first, such as credit card balances. Once these are cleared, you can allocate more funds towards savings and investments. If you need to build or improve your credit, use credit cards strategically for essential purchases and always pay on time. This helps build a positive credit history without falling into debt traps. For long-term savings goals, consider high-yield savings accounts or mutual funds, such as the S&P 500, to grow your money more effectively. Begin by identifying your long-term financial goals. Whether it's paying off debt, saving for a house, or preparing for retirement, having a clear vision helps in creating a focused financial plan.

As children of God, we're not called to go from struggle to struggle, living from problem to problem. We're called to live a struggle-free, victorious life! In today's episode, I list 5 types of Christians who will ALWAYS struggle and be frustrated. Don't get stuck in a cycle of struggle! Time is short; it's time to go higher.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This past week, I had the honor of ministering in the largest church in the world. The Glory Dome in Nigeria seats 100 thousand people! It was such a powerful experience to be there. I know that I received an impartation from Dr. Paul Enenche and a supernatural grace that will mark me forever. Join me on the podcast as I share the 10 things I learned in the world's LARGEST CHURCH ON EARTH! We're going to another level.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

A recent survey shows that most parents think they should teach their kids financial literacy; the good news is that many are actually doing it.Still, other parents may not know how to teach their kids financial responsibility. Ron Blue joins us today to discuss how he and his wife, Judy, did it.Ron Blue is the co-founder of Kingdom Advisors and the author of many books on biblical finance, including “Your Kids Can Master Their Money: Fun Ways to Help Them Learn How.”The Importance of Financial Education at HomeA recent survey by the Bank of Oklahoma Financial reveals that 85% of parents believe they should teach their kids about financial responsibility, with many acknowledging that this should also be a part of school curricula. However, a significant portion of parents, about one-third, feel that schools aren't sufficiently addressing this topic. Encouragingly, 65% of parents are actively teaching their children about money management.Children learn best by observing their parents' financial habits. The old adage "more is caught than taught" rings true—kids learn to manage money by seeing how their parents handle it. However, teaching financial responsibility has become more challenging with the rise of credit cards and digital transactions.Age-Appropriate Lessons For ChildrenFor younger children, Ron Blue and his wife Judy used a simple yet effective method: the envelope system. Starting at age eight, their children received envelopes designated for different purposes: giving, saving, spending, gifts for the family, and clothing. This hands-on approach taught the kids about budgeting, prioritizing, and the importance of giving.As their children entered high school, they introduced them to more advanced financial tools, such as credit cards, while educating them about responsible usage. This early exposure helped their children understand the implications of credit and the importance of managing money in a digital society.Today, parents have even more resources at their disposal. Ron Blue suggests using debit cards and budgeting apps, such as the FaithFi app, to help children manage their finances. By teaching children about money early on, parents can equip them with the skills and wisdom needed to navigate the financial challenges of life.On Today's Program, Rob Answers Listener Questions:I had a stroke and had to retire early, and now the only thing I have is my home. I received a letter about a reverse mortgage, and I was wondering if that could help me.I was just curious about your thoughts on Fisher Investments and whether 1.25% is too much to pay for the management of my funds.I'm on disability, and I'm eligible for Social Security, but I can't draw both at the same time. My Social Security is substantially higher than what my wife would be. Can she draw mine?I have a mortgage on a new home and want to refinance due to the high interest rate, but I'm unsure if I should wait, recast the loan, or put money towards the principal. What are the advantages of those options?Resources Mentioned:SSA.gov (Social Security Administration)Zillow.comRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Join me and Pastor Jonathan Shuttlesworth as we answer questions about life, the Bible, and US Politics!   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

This is a special premium episode. This enjoy this episode and unlock exclusive content, subscribe just for only $2 a month. **Try Our 7-day Free Trial, Cancel Anytime. https://www.patreon.com/lrpodnetwork   Episode 275. Credit cards can feel like a scam to many people because they often lead to financial pitfalls that are easy to fall into but hard to escape from. My philosophy is that cash is king. Let's talk about it!

Have you gotten yourself into financial trouble in the past becuase of over extending yourself using a credit card? If you have, you're not alone. Knowing how to use credit cards as a beneficial tool is a game (that many of us are never taught), and each of us needs to determine if we know the rules to the credit card game and if we feel like we can follow the rules well to win the game. For some people, credit cards (when used well) can be an amazing tool to build credit and score cash back, miles, travel perks, and purchase protection. For others, credit cards are more of a temptation and cause more financial damage than any perks are worth.  In this week's episode of The Money Love Podcast I'm diving into the deep underbelly of the credit card industry with former VISA employee turned Sequin CEO, Vrinda Gupta. Vrinda had her financial "wake up moment" when she was denied from the credit card that she helped build. She then set out on her own to create Sequin, the first of it's kind debit card designed to earn women up to 6% cashback on self-care (think gyms, beauty stores, drug stores, and more) without perpetuating a cycle of credit card debt. Most credit cards earn rewards, but can get you in a cycle of high-interest credit card debt. Debit cards, while they keep you in budget, do not typically earn rewards. Sequin is the best of the both worlds, and earns you cashback -- on a debit card! This is your own money, so you can stick with a budget without sacrificing cashback rewards. Best of all, it's founded by women, for women and you will receive a custom credit card debt payoff plan to manage credit while earning cashback.There's no monthly fees, overdrafts, or minimums, and your checking account will earn high interest. In this conversation Paige and Vrinda talk about secrets the credit card companies don't want you to know, how credit cards are designed to keep you overspending, why it can be so tricky to get out of credit card debt once you're in it, and diving into Sequin, the debit card that Vrinda created to help women combat credit card debt for good. Make sure that you use the links below to create your Sequin account today!   Open up your Sequin debit card HERE Follow Vrinda on Instagram HERE *NOTE: This is an affiliate link which means it won't cost you any extra to sign up but I may earn a commission from recommending the product to you. START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations     Work with Paige: Join the Overcoming Overspending Membership HERE Use code “MLP30” at checkout to save $30 on your first month inside the membership    Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

Trump was just shot! At a rally in Bulter, Pennsylvania, during Trump's speech, gun shots were heard just as Trump reaches for his ear and is taken to the ground by secret service. Join me on the podcast today as I react to the shocking news of the assassination attempt on former President Donald Trump. In this episode, I reveal the prophetic warning given by my father two years ago, predicting this very event.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

Join me on the podcast as I list seven people that God HATES! Don't let yourself become one of these people. We want to live lives that are pleasing to God! You don't want to miss this episode.   GIVE TO MIRACLE WORD: Give by Debit or Credit:: https://miracleword.com/give Give by CashApp $MWgive Give by Venmo @MWgive Give by PayPal https://www.paypal.com/paypalme/miracleword MIRACLE WORD CHURCH:  Learn more about Miracle Word Church located in West Palm Beach, Florida by visiting https://miracleword.com/ FREE STUFF:  Sign up for our FREE magazine and download my FREE devotional called “Praise, Laugh, Repeat” at https://miracleword.com/live FOLLOW & CONNECT: Instagram @miraclewordchurch @tedshuttlesworth @carolynshuttlesworth Facebook https://www.facebook.com/miraclewordministries TRAVEL SCHEDULE:  Join us in a live revival meeting. All the schedule details can be found at https://miracleword.com/schedule OUR OTHER MINISTRIES: Last Gen Youth: https://lastgen.miracleword.com/ Miracle Word Kids: http://kids.miracleword.com/ Women's Ministry: https://carolynshuttlesworth.com/ GO DEEPER IN YOUR KNOWLEDGE OF GOD'S WORD: Miracle Word University https://www.miraclewordu.com/ SHOP OUR BOOKS AND MERCH: http://shop.miracleword.com/

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.  

What's going on with consumers? This is one of the trickiest puzzles of this weird economic moment we're in. We've covered a version of this before under the term "vibecession," but it's safe to say, the struggle is in fact real. It is not just in our heads. Sure, sure, some data is looking great. But not all of it. What's interesting, is exactly why the bad feels so much worse than the good feels good. Today on the show, we look into a few theories on why feelings are just not matching up with data. We'll break down some numbers and how to think about them. Then we look at grocery prices in particular, and an effort to combat unfair pricing using a mostly forgotten 1930's law. Will it actually help? Today's episode is adapted from episodes for Planet Money's daily show, The Indicator. Subscribe here. Help support Planet Money and get bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy