Podcasts about Interchange

In Part 1 of this two-part series on succession planning, Michael Lubelfeld, Superintendent of Northshore School District 112, joins the Culture Eats Everything podcast. He reflects on his leadership journey, the intentional planning behind his upcoming retirement, and how he and Deputy Superintendent Monica Schroeder are working together to ensure a seamless leadership transition. A candid conversation filled with lessons on legacy, communication, and the power of thoughtful planning.Click here to buy our book:

Campaigning is now in full flight for the May 3 poll. Shayne Neumann joins this episode. He was first elected to the seat of Blair in 2007 and has put his hand up to run again. What has he achieved, why much-needed infrastructure is yet to materialise and what he's promising to get done if re-elected. Plus we talk about Ipswich Civic Centre, four-year terms and what, if any, influence Trump will have on the federal election result.Published: 7 April 2025.Theme music: AudioJungle - Mark_Music and Matt SteinerImage: Shayne Neumann (supplied)Ipswich City Council meeting agendas and minutes: bit.ly/2JlrVKYCouncil meetings on YouTube: www.youtube.com/c/IpswichCityCouncilTVIpswich Planning Scheme: https://bit.ly/3g4Jwb7Local Ipswich News: https://localipswichnews.com.au/Inside Ipswich: https://ipswichtoday.com.au/inside-ipswich/Ipswich City Council: www.ipswich.qld.gov.au/Shape Your Ipswich: www.shapeyouripswich.com.au/Ipswich Civic Centre: www.ipswichciviccentre.com.au/Ipswich Festivals: https://www.ipswichfestivals.com.au/Ipswich Art Gallery: www.ipswichartgallery.qld.gov.au/Ipswich Community Gallery: https://ipswichartgallery.qld.gov.au/community/ipswich-community-galleryBlack Swan Art (David Pearce): https://www.blackswanart.com.au/Discover Ipswich: www.discoveripswich.com.au/Discover Ipswich what's on: https://whatson.discoveripswich.com.au/Workshops Rail Museum: https://www.museum.qld.gov.au/rail-workshopsIpswich Libraries: www.ipswichlibraries.com.au/Studio 188: www.studio188.com.au/Nicholas Street Precinct: www.nicholasst.com.au/Picture Ipswich: www.pictureipswich.com.au/Lost Ipswich Facebook: https://bit.ly/3pLLBwNc Ipswich Today is supported by listeners like you. Help keep it online with a small donation.Visit https://ipswichtoday.com.au/donate/Advertise on Ipswich Today https://ipswichtoday.com.au/advertising/Ipswich Today recommended listening: Twenty Thousand Hertz - stories behind the world's most recognisable and interesting sounds https://www.20k.org/ 

On The BIG Show today, we discuss the opening of the long-delayed Woodleigh Bus Interchange and the new Pasir Ris Bus Interchange. Read the full story here: https://www.straitstimes.com/singapore/transport/new-pasir-ris-bus-interchange-long-delayed-woodleigh-bus-interchange-to-open-in-late-april Connect with us on Instagram: @kiss92fm @Glennn @angeliqueteo Producers: @shalinisusan97 @snailgirl2000See omnystudio.com/listener for privacy information.

April 4, 2025 - "The leaves, like women, interchange (987)" by Emily Dickinson, read by Tabitha Biracree by The Desmond-Fish Public Library & The Highlands Current, hosted by Ryan Biracree

A lot going on in the AFL world at the moment. We're breaking down Oscar Allen's contract news, Jeremy McGovern injury updates, Matt Rowell and his contract plus so much more! Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

In this episode of Culture Eats Everything Podcast, Jim Van Allan, President of The Energy Bus for Schools, shares powerful insights on leadership, engagement, and fostering positive cultures. With a PhD in educational leadership, he discusses the crossover between building successful schools and thriving organizations. Tune in to discover actionable strategies to energize your culture, whether in education or business!Click here to buy our book:

A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

We're going to talk swipe fees with the NRA's Brennan Duckett to update you on the status of the industry's national effort to push back on the Visa and Mastercard payments duopoly that is bleeding restaurant owners dry. And then we'll take a look at a national boycott of Target, Amazon and Walmart over their DEI practices and discuss whether they are an effective tool and should restaurant brands be nervous? We'll talk about those issues and wrap it up with the legislative scorecard.

A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

See omnystudio.com/listener for privacy information.

Join us for an insightful conversation with Jamie LaLonde, CEO of Angela Hospice, on leadership growth, workplace culture, and transitioning from executive director to CEO. Learn how Jamie empowers her team, fosters a strong culture, and navigates the challenges of leadership. Don't miss this episode of Culture Eats Everything!

Chris Wilson, Springville City Engineer discusses the progress on the Dry Creek Parkway and I-15 Interchange (previously known as 1600 S.) with Project Engineer, Tyrel Edwards from UDOT. 

Several provisions in the state's latest budget proposal could leave the Indiana Historical Society without a building. A $3 million project is underway to improve Tarkington Park, just west of the State Fairgrounds. Pharmaceutical giant Eli Lilly announced Wednesday that it plans to invest roughly $27 billion in United States manufacturing. ClearPath465, a project that began in 2022, aims to make the I-465 and I-69 interchange safer and alleviate congestion for drivers on the north east side. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

A brand new podcast from BackChat Studios, hosted by Adam Papalia. Fly around the country with Paps as he finds out what's happening in AFL land. Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Immer freitags analysieren wir in unserem "Wochen-Podcast" aktuelle Entwicklungen in der deutschen Banken-, Fintech- und Payment-Branche. Diesmal haben sich Redakteur Christian Kirchner und Branchen-Insider Jochen Siegert den folgenden Themen gewidmet: #1: Guthaben statt Eingang für's Gratiskonto: Beginnt bei der Commerzbank jetzt die große Kundenflucht? Und ist das eingepreist – oder sogar intendiert? #2: Die Commerzbank positioniert die Comdirect so ähnlich, wie die Deutsche Bank seit einiger Zeit die Postbank #3: Was die riesige Vertriebsoffensive von SumUp für die Girocard (und damit für die deutsche Kreditwirtschaft) bedeutet #4: Erst BayernLB, jetzt Helaba: Warum die Modernisierung alter Core-Banking-Systeme so schwierig ist – und der CIO oft am wenigsten dafür kann #5: Großraumbüro ist nicht gleich Großraumbüro: Warum aktuell so viele Banken (wie jüngst die Coba und die ING Diba) händeringend nach neuen Flächen suchen #6: Die großen Banken hierzulande setzen nur noch auf Visa oder Mastercard – aber nicht mehr auf beide. Woran liegt das? (und nein, es liegt nicht nur daran, die KK-Schemes für Exklusivität zu zahlen bereit sind) == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Diesmal haben sich Redakteur Christian Kirchner und Branchen-Insider Jochen Siegert den folgenden Themen gewidmet: #1: Die ING Diba hat binnen eines Jahres fast 600.000 neue Kunden gewonnen – teils mit extrem hohen Prämien. Rechnet sich das? #2: Chaos beim Genoverband. Einfach nur ein weiterer Einzelfall? Oder ein weiteres Indiz, dass im VR-Sektor grundsätzlich was im Argen liegt? #3: Die Bawag schließt die Übernahme der deutschen Konsumenten-Finanzierung von Barclays ab. Was machen die Österreicher jetzt damit (in Zeiten schwindender Erträge aus Interchange und Restschuld-Versicherung)? #4: N26 erreicht die Gewinnschwelle, akquiriert wieder deutlich mehr Kunden und baut die Belegschaft aus. Aber was ist das Alleinstellungsmerkmal? #5: Vom Unicorn zum Rettungsfall: Wie geht es weiter für die Solarisbank – und was bleibt den Altinvestoren jetzt überhaupt noch? #6: Auch jenseits von Solaris ist die Finleap-Bilanz enttäuschend. Was ist schiefgelaufen beim einst gefeierten Berliner Fintech-Inkubator? == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

Brian Baum is the president & CEO of Interchange Capital Partners a family business advisory firm in Pittsburgh, PA. Brian is himself the second-generation in a business his father founded and where they work closely together. That means he's seen and addressed firsthand the uniqueness of guiding family business owners and operators on their path to the future. We talked business, we talked family, we talked sports, and we talked about thoughtful disagreement and healthy conflict within family business. (We did ALL that without conflict ourselves.) I trust you will enjoy Brian's wisdom and drive. If this is a good listen while all on a drive, all the better. Wherever and whenever you listen, please enjoy episode #63 of GENeration EXcellence with Brian Baum. Interchange Capital Partners website https://www.interchangecp.com/

Glen speaks with NACUSO's Interim CEO- and serial CUSO founder- Miriam Ackerman about plans for the group's Reimagine conference this April in Las Vegas, including a juiced up Next Big Idea competition. Also- a quick summary of the busiest credit union news week in recent memory.    Links related to this episode:   NACUSO's Reimagine Conference, April 14-17 in Las Vegas: https://www.reimaginenacuso.com/ The Next Big Idea competition: https://www.reimaginenacuso.com/next-big-idea-competition Bernie Sanders' press release about the new Senate Bill capping credit card interest rates at 10 percent: https://www.sanders.senate.gov/press-releases/news-sanders-hawley-introduce-bill-capping-credit-card-interest-rates-at-10/ CU Today's reporting on the latest twist in Illinois interchange legislation: https://www.cutoday.info/THE-boost/Federal-Judge-Expands-Injunction-Against-Illinois-Interchange-Law-To-Out-Of-State-Banks-Denies-Credit-Unions-Request CU Times' reporting on USAID-related layoffs at the World Council of Credit Unions: https://www.cutimes.com/2025/02/07/woccu-let-go-over-half-of-its-employees-due-to-usaid-freeze/ Former FDIC Chair Sheila Bair's Washington Post op-ed calling for the elimination of credit unions' tax exemption: https://www.washingtonpost.com/opinions/2025/02/03/credit-unions-tax-subsidies-bair/ Glen's blog on 2025's credit union Bingo card:   Join us for our next CU Town Hall- Wednesday February 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/  Find us on 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/

What can improv teach us about leadership? In this episode of the Culture Eats Everything podcast, host Tom interviews Joel Zeff, author of Make the Right Choice, to explore how improv can elevate leadership, boost team engagement, and create a culture of fun.

Immer freitags analysieren wir in unserem "Wochen-Podcast" aktuelle Entwicklungen in der deutschen Banken-, Fintech- und Payment-Branche. Diesmal haben sich Redakteur Christian Kirchner und Branchen-Insider Jochen Siegert den folgenden Themen gewidmet: #1: Die ING Diba hat binnen eines Jahres fast 600.000 neue Kunden gewonnen – teils mit extrem hohen Prämien. Rechnet sich das? #2: Chaos beim Genoverband. Einfach nur ein weiterer Einzelfall? Oder ein weiteres Indiz, dass im VR-Sektor grundsätzlich was im Argen liegt? #3: Die Bawag schließt die Übernahme der deutschen Konsumenten-Finanzierung von Barclays ab. Was machen die Österreicher jetzt damit (in Zeiten schwindender Erträge aus Interchange und Restschuld-Versicherung)? #4: N26 erreicht die Gewinnschwelle, akquiriert wieder deutlich mehr Kunden und baut die Belegschaft aus. Aber was ist das Alleinstellungsmerkmal? #5: Vom Unicorn zum Rettungsfall: Wie geht es weiter für die Solarisbank – und was bleibt den Altinvestoren jetzt überhaupt noch? #6: Auch jenseits von Solaris ist die Finleap-Bilanz enttäuschend. Was ist schiefgelaufen beim einst gefeierten Berliner Fintech-Inkubator? == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins. From hidden fees to interchange padding and optimization, this discussion sheds light on how processing costs are structured and what ISOs and agents need to know. Whether you're new to interchange or looking for advanced insights, this episode is packed with valuable information. Plus, Patti Murphy provides an update on Visa Direct's push for instant payments.

Jeffrey Schrimmer, president of Brighter Promotions, explains how promo firms can file a claim in the $5.5 billion settlement in an antitrust class action suit against Visa and Mastercard.

Thanks to Pranav for suggesting this week's massive topic! Further reading: When did the Isthmus of Panama form between North and South America? Florida fossil porcupine solves a prickly dilemma 10-million years in the making Evidence for butchery of giant armadillo-like mammals in Argentina 21,000 years ago Glyptodonts were big armored mammals: The porcupine, our big pointy friend: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. This week, at long last, we're going to learn about the great American interchange, also called the great American biotic interchange. Pranav suggested this topic ages ago, and I've been wanting to cover it ever since but never have gotten around to it until now. While this episode finishes off 2024 for us, it's the start of a new series I have planned for 2025, where every so often we'll learn about the animals of a particular place, either a modern country or a particular time in history for a whole continent. These days, North and South America are linked by a narrow landmass generally referred to as Central America. At its narrowest point, Central America is only about 51 miles wide, or 82 km. That's where the Panama Canal was built so that ships could get from the Atlantic Ocean to the Pacific and vice versa without having to go all around South America. It wasn't all that long ago, geologically speaking, that North and South America were completely separated, and they had been separated for millions of years. South America was part of the supercontinent Gondwana, while North America was part of the supercontinent Laurasia. We've talked about continental drift before, which basically means that the land we know and love on the earth today moves very, very slowly over the years. The earth's crust, whether it's underwater or above water, is separated into what are called continental plates, or tectonic plates. You can think of them as gigantic pieces of a broken slab of rock, all of the pieces resting on a big pile of really dense jelly. The jelly in this case is molten rock that's moving because of its own heat and the rotation of the earth and lots of other forces. Sometimes two pieces of the slab meet and crunch together, which forms mountains as the land is forced upward, while sometimes two pieces tear apart, which forms deep rift lakes and eventually oceans. All this movement happens incredibly slowly from a human's point of view--like, your fingernails grow faster than most continental plates move. But even if a plate only moves 5 millimeters a year, after a million years it's traveled 5 kilometers. Anyway, the supercontinent Gondwana was made up of plates that are now South America, Africa, Australia, Antarctica, and a few others. You can see how the east coast of South America fits up against the west coast of Africa like two puzzle pieces. Gondwana actually formed around 800 million years ago, then became part of the even bigger supercontinent Pangaea, and when Pangaea broke apart around 200 million years ago, Gondwana and Laurasia were completely separate. North America was part of Laurasia. But Gondwana continued to break apart. Africa and Australia traveled far away from South America as molten lava filled the rift areas and helped push the plates apart, forming the South Atlantic Ocean. Antarctica settled onto the south pole and India traveled past Africa until it crashed into Eurasia. By about 30 million years ago, South America was a gigantic island. It's easy to think that all this happened just like taking puzzle pieces apart, but it was an incredibly long, complicated process that we don't fully understand. To explain just how complicated it is, let's talk for a moment about marsupials. Marsupials are mammals that are born very early and finish developing outside of the mother's womb, usually in a special pouch. Kangaroos, wallabies, koalas, wombats, and Tasmanian devils are all marsupials, and all from Australia.

A project to construct a free-flowing interchange between Interstate 40 and US 93 is quickly transforming the landscape along I-40 in this northwest Arizona community, with crews clearing land for new travel lanes, removing sound walls, and preparing the foundations for new bridges. This progress comes six months into the Arizona Department of Transportation's 6 million project to eliminate delays that can occur for passenger and truck traffic on the main route between Las Vegas and Arizona. Instead of traffic stopping for a traffic signal on Beale Street at I-40, a mile of new ramps will allow traffic to flow... For the written story, read here >> https://www.signalsaz.com/articles/kingman-highway-interchange-taking-shape/Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

In today's episode, we start off by interviewing Jennifer May, the "Payment Princess" and discuss how she has built a personal portfolio of 3,500+ merchant accounts and is still growing. Then Patti Murphy joins us to discuss the most recent attempts to regulate interchange and the hearings on the hill that brought senators from both sides of the isle together, in opposition to the current interchange pricing structure.

President Nana Addo Dankwa Akufo-Addo has commissioned the Tema Motorway Interchange, aimed at easing traffic congestion in the area. He noted that the project, funded by a grant from the Japanese government, will stimulate economic activities not only in Ghana but also across the ECOWAS region

Jon Kol is the co-founder of Hyperlane, an interoperability protocol. In this episode, Kol and Chaparro discuss the challenges and progress of blockchain interoperability, and how the industry may now be turning a corner. OUTLINE 00:00 Introduction 04:24 A year away 08:50 Interchange singularity 10:30 Bridge opportunities 13:32 Balancing speed and security 18:35 Poor UX, Poor DevX 20:11 Who's the buyer? 26:52 Conclusion This episode is brought to you by our sponsor Polkadot Polkadot is the blockspace ecosystem for boundless innovation. To discover more, head to polkadot.network This episode is brought to you by our sponsor Bitkey Bitkey is the safe, easy way to own and manage bitcoin. Learn more at Bitkey.world The Block Community The Block is launching a new community experience for fans of The Scoop! Follow us on Lens to stay in the loop: hey.xyz/u/theblockcommunity The Block Newsletters The Block's newsletters bring you the latest news and analysis of the fast-moving crypto and DeFi markets. To subscribe, visit theblock.co/newsletters GUEST LINKS Jon Kol - https://www.linkedin.com/in/jon-kol-4bb37a9b/ Jon Kol on X - https://x.com/thePalenimbus Hyperlane - https://hyperlane.xyz/ Hyperlane on X - https://x.com/hyperlane

Diamond interchange is becoming another daunting traffic journey for Wisconsin drivers. Although the state has 2 versions already, one opening up on Beloit road this weekend! We give the breakdown of what exactly is a diamond interchange?

President Nana Addo Dankwa Akufo-Addo officially commissioned the Flowerpot Interchange on the Spintex Road, to help ease traffic in that vicinity. President Akufo-Addo said the state-of-the-art interchange represents a major step forward in addressing Ghana's transportation challenges and fostering economic growth.

In this episode of Culture Eats Everything, host Kevin sits down with Roger Blake, CEO of Merit Network, to discuss the transformative role of culture in leadership. Roger shares insights from his extensive career in telecommunications and cybersecurity and his nonprofit mission at Merit. They explore his journey, the importance of personal purpose, and the challenges of leading an organization dedicated to closing the digital divide. Roger reflects on the value of professional growth, authenticity, and the impact of storytelling in fostering a connected and inclusive society. Click here to buy our book : https://geni.us/the-great-engagement _____________________________ Roger Blake : https://www.linkedin.com/in/roger-blake/ _____________________________ Phoenix Performance Partners Website: https://www.phoenixperform.com/ Interchange: https://www.phoenixperform.com/interchange Culture Eats Everything Apple Podcasts: https://podcasts.apple.com/us/podcast/culture-eats-everything/id1526731051 Culture Eats Everything Spotify: https://open.spotify.com/show/1utf9dZh2PRQKxe6qg5I5M Kevin Davis: https://www.linkedin.com/in/kevinjohndavis/ Tom Willis: https://www.linkedin.com/in/thomasawillis/ Checkout our book: https://www.phoenixperform.com/book #cultureeatseverything

Homeowners are able to build equity when they pay their mortgages; renters don't have that benefit. A new program hopes to create a different type of incentive. Then, voters in Mesa County will decide on a big interchange project this election that contrasts philosophies and vision. Plus, what we can learn from the highest alpine garden in North America. And a spine-chilling story to get into the Halloween spirit! 

Join Sahil Adeem in this exclusive live session as he shares critical updates on his UK tour UK Session Details:

Sahil Adeem addresses the rumors about his arrest and exposes how the media has become driven by clickbait. He shares updates from his UK tour, the challenges Muslims face while guiding others, and his journey of overcoming obstacles in the path of Allah.UK Session Details:

John and Glen explore the machinations of the Interchange Fee Prohibition Act, the potential impacts that extend well beyond Illinois, and how it could alter prospects for the Capital One/Discover merger. Also- initial thoughts on the DOJ's antitrust suit against Visa's debit business, and a gratuitous swipe at Ticketmaster.    Links related to this episode:   Glen's blog on the Interchange Fee Prohibition Act: https://www.big-fintech.com/Media?p=a-state-of-confusion-interchange-battles-move-closer-to-home Our August interview with the Illinois Credit Union League on the topic: https://www.big-fintech.com/Media?p=ill-communication-on-illinois-interchange The ICUL's press release explaining the recently filed lawsuit: https://www.icul.com/news/icul-news/bank-and-credit-union-groups-join-forces-to-challenge-new-illinois-law-restricting-interchange-fees/ Thoughts on the Capital One/Discover merger from back in February: https://www.big-fintech.com/Media?p=the-capital-onediscover-deal-a-test-of-typical-battle-lines-and-a-credit-union-angle AP News' reporting on the DOJ's antitrust lawsuit against Visa: https://apnews.com/article/visa-antitrust-justice-department-debit-card-fees Payments Dive's take on Visa's partner agreements that may have spurred DOJ action: https://www.paymentsdive.com/news/visa-debit-credit-card-network-stymied-fintech-payments-competition/728033/    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/

The Illinois Credit Union League's Tom Kane and Ashley Sharp go deep on the turmoil surrounding Illinois' problematic new interchange law and the steps being taken to course correct. Also- Sam Altman's Worldcoin moves fast and scans (personal) things, and…Backpedaling as a Service (BaaS)?    Links related to this episode:   Our continuing coverage of Illinois' Interchange Fee Prohibition Act:  https://www.big-fintech.com/Media?p=a-state-of-confusion-interchange-battles-move-closer-to-home The ICUL's press release explaining the recently filed lawsuit: https://www.icul.com/news/icul-news/bank-and-credit-union-groups-join-forces-to-challenge-new-illinois-law-restricting-interchange-fees/ The “Guard Your Card” website: https://guardyourcard.com/illinois/ The Chicago Tribune's editorial opposing the Illinois law: https://www.chicagotribune.com/2024/06/03/editorial-retailers-credit-cards-interchange-pritzker-springfield/ The Wall Street Journal's front page article on Sam Altman's Worldcoin/retinal scanning efforts: https://www.wsj.com/tech/sam-altman-openai-humanness-iris-scanning-4d0e1dab   Join us for the next CU Town Hall on Wednesday August 28 at 3pm ET/Noon PT for a live and lively interactive conversation tackling the major issues facing CUs today. It's free to attend (you might even win a door prize!), but advance registration is required:  https://www.cutownhall.com/  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/

Mike Dougherty, who many know as MNDOT Mike, describes the detour that will be in place next week and will return for a good chunk of the construction season next year. Mike also has an update on the ongoing Highway construction season and information about how a traditional flaggers on road projects are being replaced.

rWotD Episode 2642: Workgroup for Electronic Data Interchange Welcome to Random Wiki of the Day, your journey through Wikipedia’s vast and varied content, one random article at a time.The random article for Sunday, 28 July 2024 is Workgroup for Electronic Data Interchange.WEDI, pronounced "wee dee", is a not-for-profit user group in the United States for users of Electronic Data Interchange (EDI) in public and private healthcare. It is sometimes referred to by other names including some or all of the words Workgroup for Electronic Data Interchange. By: HipaasuiteIt was established to provide leadership and guidance to the healthcare industry on how to use and leverage its collective knowledge, expertise and information resources to improve the quality, affordability and availability of healthcare, via forums, conferences and online resources, especially in matters of conformance to EDI standards required by the Health Insurance Portability and Accountability Act, also known as HIPAA which was enacted by the U. S. Congress in 1996.WEDI has regional affiliates in 27 US States and the Virgin Islands.This recording reflects the Wikipedia text as of 00:12 UTC on Sunday, 28 July 2024.For the full current version of the article, see Workgroup for Electronic Data Interchange on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Geraint.

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.  

The Cogswell District is being turned back into a residential neighbourhood. What was it like to live there 60 years ago, before Scotia Square and the Interchange? Two former residents share their memories with the CBC's Carsten Knox. 

Glen speaks with Bonifii CEO John Ainsworth about his firm's new collaboration with Metal and the next wave of identity solutions. Also- branches as community centers, the ongoing interchange/reward points battle, more “fun” in class action lawsuit land, and screen scraping stages a comeback.   Links related to this episode:   Bonifii's website, and its Metal Blockchain announcement: https://bonifii.com/2024/06/bonifii-joins-metal-blockchains/   The Points Guy's full-throated stance against the Credit Card Competition Act: https://thepointsguy.com/protect-your-points/ Airlines for America weighs in on rewards points: https://www.airlines.org/protect-our-points/  Glen's blog on the flurry of state interchange legislation: https://www.big-fintech.com/Media?p=a-state-of-confusion-interchange-battles-move-closer-to-home  CPO Magazine's take on web scraping: https://www.cpomagazine.com/cyber-security/web-scraping-is-legal-for-now-but-it-may-be-hurting-your-business/  The proposed class action lawsuit against Navy Federal CU and Verint: https://www.classaction.org/news/class-action-lawsuit-says-navy-federal-credit-union-ai-tech-company-verint-tap-customer-service-calls    Register for our next CU Town Hall on Wednesday July 10 at 3pm ET/Noon PT for a live and lively interactive conversation tackling the major issues facing CUs today. It's free to attend, but advance registration is required:  https://www.cutownhall.com/   Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) 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/

Dave Davis covers all the latest LFC news for you Learn more about your ad choices. Visit podcastchoices.com/adchoices

Glen speaks with TeamOnUP CEO Mike Kelly about “getting dreams done on purpose” and the beauty of small credit unions. Also, more on the Illinois interchange fiasco, the CFPB's latest populist outburst, and Glen welcomes Google to the world of incumbents.    Links related to this episode:   TeamOnUP: https://teamonup.com/  Mike Kelly's book “Meaning is the Mission” (print, Kindle, audio): https://www.amazon.com/dp/B0D1LG79GY   Payments Dive's coverage of the Illinois Interchange bill: https://www.paymentsdive.com/news/illinois-debit-credit-card-interchange-swipe-fee-legislation/718371/  The CFPB's newly announced process for recognizing open banking standards (rigging be damned): https://www.consumerfinance.gov/about-us/newsroom/cfpb-launches-process-to-recognize-open-banking-standards/  Our April interview with FDX Managing Director Don Cardinal: https://www.big-fintech.com/Media?p=a-bluetooth-for-open-banking  Glen's blog on GPT-4o's continuing drama (no pizza tips included): https://www.big-fintech.com/Media?p=artificial-intelligence-intellectual-property-and-missing-the-point-on-her    Check out BIG's AI Development offerings, enabling credit unions to streamline operations, amplify member experiences and capture new opportunities in the digital financial landscape. https://www.big-fintech.com/Products-Services/AI-Development  Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) 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/

Welcome to the Hey Docs! Podcast with your host Jill Allen.  Today, we have a special guest: Matt Rej, one of the founders of Merchant Cost Consulting, a company that specializes in helping businesses, including orthodontic practices, save on credit card processing fees. We'll dive into what led him to start Merchant Cost Consulting, how his company can assist with fee negotiations and practical tips for managing these costs.  Let's get into it! Summary Matt Rej, founder of Merchant Cost Consulting, discusses the complexities of credit card processing fees and how his company helps businesses, including orthodontic practices, reduce costs. He shares his journey into the industry and the motivation behind starting his own consulting firm. Matt explains the importance of integrated credit card processing systems and the potential cost savings for practices. He also highlights common hidden fees and provides tips for negotiating better rates with processing companies. In this conversation, Matt Rej provides valuable insights into credit card processing fees for healthcare practices. He explains the difference between flat rate pricing and interchange plus pricing, emphasizing that startups should ask for interchange plus pricing. He also highlights the benefits of accepting ACH payments and encourages practices to leverage this option to save money. Matt discusses how his company, Merchant Cost Consulting, helps practices reduce fees and provides ongoing auditing to ensure the best pricing is maintained. He offers three pieces of advice: get multiple quotes, scrutinize statements regularly, and compare fees over time. Matt's top business skill recommendation is effective communication. https://merchantcostconsulting.com/https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmerchantcostconsulting.com&t=Merchant%20Cost%20Consulting https://twitter.com/professionaltshttp://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmerchantcostconsulting.com&title=Merchant%20Cost%20Consultinghttps://www.instagram.com/MCCSavings/ Takeaways Credit card processing fees can be complex and deceptive, with rates and fees constantly increasing.Integrated credit card processing systems offer convenience but can come with higher costs.Common hidden fees include PCI compliance fees and auto-enrollment monthly fees.Interchange rates are non-negotiable, but processing companies can add markup fees.Startups should be cautious of tiered pricing structures and consider flat rate pricing.Negotiating rates with processing companies is possible, even for startups. Startups should ask for interchange plus pricing for credit card processing fees.Accepting ACH payments can save healthcare practices a significant amount of money.Regularly scrutinize credit card processing statements and compare fees over time.Effective communication is a crucial business skill for healthcare professionals.Connect With Our Advertisers Kaleidoscope - Orthodontic Digital MarketingGC Orthodontics - Manufacturing and Supply SalesSmileSuite - Customizable Presentation Software and Post-Consultation Follow-Up Chapters 00:00 Introduction and Background03:06 How Merchant Cost Consulting Helps Practices06:32 Integrated vs. Non-Integrated Credit Card Processing09:27 The Truth Behind PCI Compliance Fees12:45 Unpacking Interchange Rates and Markup Fees16:13 Challenges for Startups and Negotiating Rates26:28 The Benefits of ACH Payments31:30 Reducing Fees with Merchant Cost Consulting34:57 Auditing Credit Card Processing Statements41:58 Effective Communication as a Business Skill Are you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice? Reach out to me- www.practiceresults.com.     If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!    Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Johnny Mitchell

reference: Sri Aurobindo and the Mother, The Hidden Forces of Life, Ch. 4 Cosmic and Universal Forces, pp 94-95 This episode is also available as a blog post at https://sriaurobindostudies.wordpress.com/2024/05/24/accessing-universal-vital-forces-directly-or-through-vital-interchange-with-others/ Video presentations, interviews and podcast episodes are all available on the YouTube Channel https://www.youtube.com/@santoshkrinsky871 More information about Sri Aurobindo can be found at www.aurobindo.net  The US editions and links to e-book editions of Sri Aurobindo's writings can be found at Lotus Press www.lotuspress.com 

Can innovative new lithium extraction methods prevent a supply chain crisis?New lithium extraction methods are essential to meet the rising demand driven by EVs and grid storage. Traditional methods are time-consuming, geographically limited, and in some cases environmentally damaging. The concentration of lithium mines worldwide has implications for the supply chain; the fewer producers there are, the higher the likelihood of disruption. Lithium often travels tens of thousands of miles, so reducing these scope 3 emissions is critical. Xerion is a company who are trying to address this issue. John Busbee is Founder and CEO, and he chats to David about Xerion's development of new lithium extraction techniques.Xerion are also developing methods to create newer, more efficient batteries with the lithium they extract. Paul Braun is the Director of the Materials Research Laboratory, and Professor of Materials Science and Engineering at the University of Illinois. He also joins the show, and says there's no escaping lithium as a key component for EVs and batteries, so the question is how to mine it efficiently and with minimal environmental impact. New techniques in extraction and battery production promise to reduce CAPex by two-thirds and emissions by 40%. How do they do it? Can these technologies make clean energy more accessible and affordable? David finds out. The Interchange will be at the annual Solar & Energy Storage Summit in San Francisco from the 12th of June. We'll be recording some special shows from the event, with all the conversation and analysis on the solar sector in the US and beyond. Get your ticket at woodmac.com/events/solar-energy-storage-summitSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the UK, the collaboration between banks and policymakers is crucial for accelerating the energy transition. The financial sector in the UK managed assets worth over 9 trillion UK pounds (11.3 trillion USD) as of 2020, with a considerable portion needing realignment towards sustainable investments to meet the 2050 net zero goal. The Climate Change Committee, an independent advisory board to the UK government, estimates 50 billion UK pounds, or US$60 billion per year, is needed to meet net zero goals.Heather Buchanan is co-founder of Bankers For Net Zero, an initiative aiming to involve banks with governments to make better investment and policy decisions for the energy transition. One significant need for investment is the retrofitting of the housing stock; over half of the UK's homes are old and inefficient. This a major challenge for banks. With host David Banmiller, Heather explores the financial implications of decarbonizing financed emissions from all banking products by 2050.Plus, the importance of Energy Performance Certificates and measuring efficiency, the financial incentives to de-risk clean energy investments, and how B4NZ is working to engage banks, government and NGOs to drive us to net zero. Collaboration is crucial, but it's a constant struggle.For more information visit woodmac.com/podcasts. The Interchange is back at Wood Mackenzie's Solar Energy and Storage Summit, in San Francisco on June 12. To secure your ticket visit woodmac.com/events/solar-energy-storage-summit.In this episode:00:00:08: Importance of collaboration between banks and policymakers for energy transition00:00:43: About Bankers for Net Zero initiative00:01:20: Discussion begins about financial community involvement in energy transition00:01:35: Introduction and milestones of Bankers for Net Zero00:04:19: Focus area for Bankers for Net Zero00:06:06: Challenges faced in housing issue and retrofit issue00:08:33: Introduction to National Retrofit Hub and role of energy performance certificate00:10:40: Ideas to de-risk financial burden of energy efficiency00:12:24: Coordinating energy efficiency on a larger scale00:14:41: Importance of convincing constituents00:15:22: Role of communities in the energy efficiency transition00:16:20: Designing policy to support the energy efficiency efforts00:18:01: Importance and issues of EPC in retrofitting00:20:00: Balancing energy security and costs00:23:35: The Role of Financial Institutions & SME's00:25:50: Changes to GHG Protocols00:27:04: Introduction to Project PerseusSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There are no two ways around it: 2023 was a difficult year for low-carbon energy investment, and 2024 has so far carried on in very much the same vein.Rising interest rates, fears around future energy policy, cost inflation in some sectors, and perhaps a correction to some earlier over-exuberance, have meant that shares in clean energy companies have generally under-performed the market.To take a couple of high-profile examples, Tesla shares have fallen about 55% from their peak in 2021, while Ørsted shares are down about 75%.Capital flows into climate-focused funds has also fallen sharply. Morningstar data suggested that climate-focused funds attracted about $38 billion of new investor money last year, down about 75% from 2021 levels. In the private markets, on the venture capital side, the flows into clean energy also seem to have fallen, if not quite as sharply.To examine the reasons why low-carbon energy investment is having a rough time of it at the moment, and explore some of the more positive indications in the outlook, host Ed Crooks and regular guest Amy Myers-Jaffe are joined this week by newcomer Dan Goldman, Co-Founder & Managing Partner of Clean Energy Ventures. They discuss the huge shortfall in terms of the investment needed to meet the goals of the Paris Agreement, and raise some ideas for closing the gap. And on the brighter side, they look at the healthy ecosystem of innovative companies working on new ideas that could solve the toughest problems in energy and climate.Mobilizing capital will be the key to tackling the threat of global warming. How can we make sure the money flows where it is needed? Plus, two specific ideas that could make big contributions to decarbonizing the energy system. Grid-enhancing technologies can help overcome transmission capacity bottlenecks that are obstacles to the deployment of renewable energy. Dan's firm Clean Energy Ventures has invested in a company called LineVision that has provides those technologies, and he and Amy explain why they are important.And finally, as the aviation industry continues to grapple with the best ways to cut emissions, Sustainable Aviation Fuel (SAF) is a popular potential solution. The gang discuss the potential of companies like OXCCU, which is backed by Clean Energy Ventures, and the fundamental scientific challenges inherent to producing e-fuels from hydrogen and carbon dioxide. Keep an eye out for an upcoming episode with an in-depth look at SAF and OXCCU, on our sister podcast The Interchange.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The impact of Artificial Intelligence in energy management.We're at a crossroads in the world of energy. The landscape is shifting with the increasing role of renewables, growing demand and the need for resilience against extreme weather. How do we manage power effectively to keep the grid stable and efficient? Using AI to manage demand is one possibility. The role of artificial intelligence in energy management is an exciting development. It's set to transform how we predict, price, trade and use power, all while boosting efficiency and reliability. Managing the grid is like solving a complex puzzle in real-time. The old grid, built for predictable loads, now grapples with erratic consumption and the fickleness of renewables like solar and wind. AI steps in here, using data and machine learning to improve efficiency and strengthen the grid. AI outperforms traditional models in forecasting. While these conventional models are valuable, they often miss the finer details which can lead to forecast errors. AI, on the other hand, adapts rapidly to real-time changes, enhancing the predictability of supply and demand at a detailed level.For the first Interchange episode of the year, David Banmiller welcomes David Miller from Gridmatic to discuss the ever-evolving use of AI in grid management. Together they explore how AI is transforming strategic forecasting, risk management and optimisation in energy infrastructure. What are the current challenges for the grid and how could AI help? What investment is required in infrastructure to optimise the grid? And what are the regulatory measures in place that are helping and hindering the rollout of smart grids?Subscribe to the Interchange Recharged so you don't miss an episode. Find us on X – we're @interchangeshow.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.