Podcasts about Isos

The largest grid operator in the U.S., PJM, has more than 3,000 active projects in its interconnection queue, more than four other ISOs combined. And it used to be easy to build in Texas, but ERCOT is facing the same challenges as other regions. Spearmint Energy's Andrew Waranch and Gina Wolf examine the nuances of building ISO supply in this episode of Power Plays. 

I Dansmusikpodden Mini snackar vi, Mats & Özze, lite kort om aktuella händelser och ämnen. Det finns en diskussionstråd för detta avsnitt i vår grupp på Facebook, Dansmusikpodden - Efterfesten.➢ Supporta Dansmusikpodden via Patreon ➢ Snacka loss i vår Facebook-grupp ➢ Hitta oss på övriga plattformar via vår Linktree ➢ Mejla oss: dansmusikpodden@gmail.com

The shipping container specialists at Conexwest (855-878-5233) are now fabricating top-of-the-line ISOs to boost your hash rate. Go to https://www.conexwest.com/specialty-containers/20ft-mining-shipping-container?v=39 Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com

Feeling like you're stuck living paycheck to paycheck?

Tilled has pioneered "PayFac as a Service," creating a new category in the payments space that allows vertical software companies to embed payments within their platforms without becoming registered payment facilitators themselves. With over $40 million in funding, Tilled offers an alternative to industry giants like Stripe, providing better economics while maintaining high-quality developer tools. In this episode of Category Visionaries, I spoke with Caleb Avery, Founder and CEO of Tilled, about his journey from solo founder to category creator, the challenges of competing with established players like Stripe, and how he's built a successful business by identifying and serving an underserved segment of the market. Topics Discussed: Tilled's origin story and Caleb's two-year journey as a solo founder before finding product-market fit The process of creating and defining the "PayFac as a Service" category How Tilled positions itself against industry giants like Stripe Effective content marketing and thought leadership strategies on LinkedIn The power of speaking at industry conferences to build credibility Leveraging a mixed strategy of inbound marketing, digital advertising, and channel partnerships Tilled's vision to expand beyond payments into comprehensive embedded fintech solutions   GTM Lessons for B2B Founders: Create your own category when existing ones don't fit: When Caleb realized that existing terms like "PayFac in a box" didn't accurately describe Tilled's offering, he invented "PayFac as a Service." This new category clearly communicated their value proposition and differentiated them from competitors. He explains, "The concept behind PayFac as a Service was really resonating with these vertical software companies that were saying, 'I don't want to go be a registered PayFac, I want all of the benefits as though I'm becoming a registered payment facilitator with 5% of the effort.'" Educate the market on your category through content: Tilled invested heavily in education through LinkedIn posts, blogs, ebooks, and speaking engagements to establish their category. Caleb notes, "Over a period of three or four months, we started introducing this concept of PayFac as a Service...by the time we actually launched the fundraising process, some of the early investors that I talked to were like, 'Oh, yeah, we've heard of that category.'" Leverage fellow founders for early validation: Even without a product, Caleb reached out to other founders to validate his ideas. "Other founders are very willing to help founders, especially in the early stages where I had nothing to sell them...I was shocked by the response rates that I was getting." This approach helped validate assumptions about pricing, product features, and contractual terms before launch. Balance personal and professional content for thought leadership: Caleb's LinkedIn strategy combined educational content about payments with personal stories about entrepreneurship and family life. "I think by allowing people to understand who I was as a person, it made me more approachable for some of the companies that were coming to us and saying, 'Hey, we're not ready to make a switch, but we are curious.'" Apply to speak at industry conferences: Caleb was surprised by how many speaking opportunities were available simply by applying. "It just shocks me how few founders that I know are willing to go apply for those speakerships, but it's really an incredibly easy thing for them to go do." These speaking engagements provided valuable opportunities to reach ideal customers and establish credibility. Run targeted "conquest" campaigns against market leaders: Tilled runs specific digital advertising campaigns targeting pain points with competitors, using long-tail keywords like "Why is Stripe customer service so bad?" This strategy drives quality leads from customers already experiencing problems with the dominant player in the market. Embrace channel partnerships in B2B SaaS: Unlike many competitors, Tilled welcomes referrals from ISOs, agents, and payment consultants. "We're one of the few folks in our space, which is still bizarre to me, that embraces a channel strategy...it's been an incredibly lucrative strategy...it's still 30 plus percent of the deal flow for Tilled."   //   Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe.  www.GlobalTalent.co

Meet Jeff Shea, the co-founder and CEO of Under who's revolutionizing how payments companies onboard merchants. Drawing from over two decades in payments and fintech, Jeff has created a digital account opening platform that's solving one of the industry's most persistent challenges.Under helps payments companies streamline merchant onboarding through integrated identity verification, automated risk assessments, and simplified application collection. Serving over 100 payments organizations across the United States, the company primarily works with wholesale ISOs, payment facilitators, payment processors, and software companies that monetize payments. Jeff explains that their platform bridges the gap between disjointed point solutions that many companies currently cobble together, creating a seamless experience from lead generation through merchant approval.The conversation takes a fascinating turn when Jeff discusses the future of payments and underwriting. He predicts continued growth in embedded and verticalized payments as more software platforms own their payment stacks. Looking further ahead, he believes payments will become increasingly commoditized, with differentiation coming from how platforms manage identity, trust, decisioning, and merchant experience. Most compellingly, Jeff references a McKinsey report predicting that traditional underwriting will disappear within a decade, replaced by artificial intelligence, deep learning, and machine learning. These technologies promise faster approvals for legitimate merchants while more effectively identifying problematic applicants.Ready to transform your merchant onboarding process? Discover how Under can help you approve the right merchants faster while reducing risk at under.io.

Conexwest (855-878-5233), the US' most trusted name in storage containers, is now renting 20 ft ground level office containers that come completely ready to go. Rent yours at https://www.conexwest.com/shipping-containers-sale/20ft-ground-level-office-container. Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com

Dustin Siner, Chief Revenue Officer at Payarc, brings 27 years of payments industry expertise and a fascinating journey that began with a psychology degree and a brief stint as a rehabilitation counselor. His therapeutic background proved surprisingly valuable in navigating the complex payments landscape, where relationship building remains the cornerstone of success despite technological advances.Fresh from Payarc's recognition as ISO of the Year at the Electronic Transactions Association (ETA), Dustin reveals the secret behind their meteoric rise - "The Payarc Way." This philosophy, built on integrity, empathy, courage, knowledge, and caring, guides how the company supports its network of 1,400+ independent agents, ISOs, and ISVs who generate an impressive 95% of their business.While many competitors devalue the independent agent channel, Payarc doubles down on relationships with dedicated managers, responsive support teams, and proprietary technology platforms designed exclusively for partners. Their Partner Hub provides comprehensive tools for the entire sales process, from application to approval, while their suite of payment solutions offers partners competitive advantages in a crowded marketplace.What truly distinguishes Payarc is their approach to artificial intelligence through their PIE AI program. Rather than replacing human interaction, they enhance it - helping partners analyze statements with PIE Agent Advisor, predict customer churn with PIE Churn, and enable merchants to gain business insights through natural language queries with PIE Merchant Advisor.For agents, ISOs, and ISVs seeking a partner that values relationships as much as innovation in an increasingly consolidated market, Payarc offers a refreshing alternative where technology and humanity work together to drive mutual success.

Conexwest (855-878-5233) now has Los Angeles' biggest and best range of storage containers, at the most affordable prices and with the best service perks, including fast delivery. Get in touch with their LA team today at https://www.conexwest.com/los-angeles-california-shipping-container-sales Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com

We often hear that software is eating payments—but what if it's the other way around? This week, James Shepherd sits down with Dustin Magaziner of PayBright to explore how payments companies and ISOs are uniquely positioned to form strategic partnerships with software providers. They dive into a recent deal and share predictions for where the industry is headed. Then, Rich Norton delivers another round of practical sales tips from the field. Finally, James and Patti Murphy bring you the latest Today in Payments segment, covering four major news stories that are shaping the future of the industry.

In this week's episode, James interviews Josh Elkes, CEO at Harbour, an innovative eSign and ClickWrap provider that is already an approved vendor with Esquire bank, providing ISOs with streamlined contract management and approval. Stick around for sales tips from Rich Norton.

The payments ecosystem is evolving rapidly, creating both challenges and opportunities for every player in the industry. In this thought-provoking conversation with Alexander Renzi and Aleks Teichman of MAPP Advisors, we dive deep into how ISOs, ISVs, banks, and fintechs can navigate this changing landscape.Alexander and Aleks bring unique perspectives from their decades of experience across all facets of the payments industry. They offer invaluable insights into the practical realities of growing a payments business today. Their firm, MAPP Advisors, works collaboratively with companies across the ecosystem, providing actionable guidance rather than theoretical advice.For ISOs facing unprecedented pressure from all angles – regulatory scrutiny, processor competition, and integrated payments solutions – the message is clear: adapt or perish. The most successful ISOs are evolving beyond transaction processing, building deeper relationships with merchants through value-added services. Bank-fintech partnerships represent another critical evolution in payments. What was once a vendor-client relationship has transformed into essential collaborative partnerships. Banks are no longer just fine print on merchant applications – they're strategic partners whose sustainability and approach are key considerations for fintechs and ISOs alike.Whether you're running an ISO, developing payments technology, or working within a financial institution, this episode offers strategic insights to help you navigate growth, regulation, and partnerships in today's complex payments landscape. 

In this episode, Dr. Preston Cherry breaks down the essentials of equity compensation—RSUs, ISOs, NQSOs, and ESPPs. He explains how taxes and behavioral biases can influence your decisions and offers smart strategies to maximize your equity benefits while avoiding common traps.Takeaways:• Know your tax impact• Sell RSUs to cover taxes• ISOs can lower taxes• ESPPs offer discounted stock• Plan ahead to win bigWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

Auto dealers are leaning into dual pricing, surcharging, and other differential pricing strategies—and payments companies are taking notice. In this week's episode, James Shepherd interviews Ben Ross of Green Payments to talk about how this high-volume, high-margin vertical is embracing innovative pricing models. Learn how Green Payments' proprietary Dealer Genie software is built to serve this niche and integrate with dealer management platforms. Plus, discover why the auto industry is becoming a prime opportunity for savvy agents and ISOs looking to specialize.

This episode is the second in a series of Stuart McMillan chatting with and introducing various presenters from The Speed Summit, brought to you by 3X4 Genetics. Our guest this time is Atlanta Falcons Director of Performance John Griffin. Stuart and John talk Isometrics, Leading a Large Team, What Young Coaches need to know about Coaching in the NFL and much more. The Speed Summit will take place June 6-8 in Chicago, Illinois. Registration is now OPEN and Early Bird Pricing is available through March 31. Big thanks to our sponsors 3X4 Genetics, 1080 Motion, STATSports and TeamBuildr.

Tuleva perhekonstellaatiotyöpajat: www.viljamilehtonen.fi/konstellaatio Haluatko tukea podcastia? https://www.patreon.com/Miehenmieli Tervetuloa kuuntelemaan Miehen Mieli -podcastia! Tänään sukellamme trauman ytimeen yhdessä traumaterapiakeskuksen johtajan, psykologin ja psykoterapeutin Sanna Isosävin kanssa. Jaksossa pureudumme syvälle siihen, mitä trauma on, miten se vaikuttaa ihmisen kehitykseen, ihmissuhteisiin ja mielenterveyteen, sekä kuinka sitä voidaan hoitaa. Keskustelemme myös terapeutin vastuusta, hoidon eettisyydestä ja itsetutkiskelun merkityksestä trauman käsittelyssä. Trauma voi olla syvä haava, joka vaikuttaa tunteiden säätelyyn, oppimiseen ja psyykkiseen hyvinvointiin. Käymme läpi trauman eri muotoja, dissosiaatiota ja kehityksellisiä haittoja, sekä pohdimme, missä kulkee raja trauman ja muun psyykkisen kuormituksen välillä. Lisäksi keskustelemme liikunnan ja kehon merkityksestä toipumisprosessissa sekä siitä, miten turvalliset ihmissuhteet ja yhteys toisiin ihmisiin voivat tukea paranemista. Jakson aikana käsittelemme myös Jungin varjoteoriaa ja sen yhteyttä trauman työstämiseen. Pohdimme, kuka saa hoitaa traumoja ja miten varmistetaan, että hoito on eettisesti kestävää ja turvallista. Tämä jakso tarjoaa syvällisen katsauksen traumaterapiaan ja psykoterapian vastuullisuuteen, mutta myös toivoa ja ymmärrystä niille, jotka kamppailevat traumojen kanssa. Kuuntele jakso ja sukella kanssamme trauman ytimeen! Podcastin sponsorit puhdas.plus www.paleokauppa.fi Koodilla MIEHENMIELI -10% alennusta yllä olevasta verkkokaupasta Viljami Lehtonen www.viljamilehtonen.fi Instagram www.instagram.com/jaakkoviljamilehtonen Facebook www.facebook.com/KuntoutusViljamiLehtonen Spotify open.spotify.com/show/3sOBMlAcqfwWT6rT3T2Nbv #trauma #psykoterapia #mielenterveys #traumaterapia #dissosiaatio #tunteidensäätely #kehityksellinenhaitta #ihmissuhteet #varjotyöskentely #psykologinenhyvinvointi #hoidonvastuu #eettisyys #itsetutkiskelu #perhesuhteet #kehotietoisuus #turvallisuus #terapeutinvastuu #oppiminen #liikuntajahenkinenhyvinvointi #toipuminen

How will AI reshape the payments industry? This week, James Shepherd explores the role of artificial intelligence in payments, featuring a groundbreaking conversation—including the first-ever AI agent interview on the podcast! He sits down with Vlad Sadovskiy, CEO of Netevia, to discuss AI's impact on ISOs, ISVs, and merchants. Then, Patti Murphy breaks down the latest on the Credit Card Competition Act and what new regulations could mean for the industry. Don't miss this forward-looking episode!

Explore the world of payment processing in our engaging conversation with Dustin Magaziner, CEO of PayBright. From his beginnings as a college entrepreneur to leading a successful company, Dustin shares invaluable insights into what sets PayBright apart in the increasingly competitive payments landscape. We discuss the vital role of independent sales agents (ISOs) in the industry, unpacking their challenges and the changing dynamics driven by technology.Dustin delves into PayBright's commitment to ethical practices and superior support for their partners. He explains how understanding technology is crucial for agents to thrive and how embracing innovations can lead to future success. The conversation also touches on the potential of AI to transform operations and improve customer service quality in the payments sector.Whether you're an aspiring agent, a seasoned executive, or simply curious about the payments industry, this episode offers a rich perspective on navigating its complexities. Join us in understanding how to elevate your approach and stay ahead in your career!

Welcome back to The Wellbeing Rebellion! Today, we're talking about something crucial - supporting the wellbeing of frontline workers. These are the people without office comforts, working in unpredictable environments. Joining me is Jamie Broadley, Group Head of Health and Wellbeing at Serco. With a background in professional rugby and NHS staff wellbeing, Jamie's now led Serco to achieve ISO 45003 certification - one of only two UK companies to do so. We explore what that means and how organisations can make well-being part of how they do business.Highlights:(2:25) Jamie Broadley's Background and Career Journey(8:37) ISO 45003 Certification and Its Importance(16:30) Serco's Approach to Wellbeing and Safety(23:07) Implementing ISO 45003 at Serco(26:06) Monitoring and Tracking Wellbeing Metrics(37:12) Challenges and Benefits of ISO 45003Find out more about Jamie:LinkedInMake a DifferenceSerco ISO Friendly Wellbeing ApproachISO 45003 Safety StandardTake the Aurora 360 Quiz: How Effective Is Your Company's Wellbeing Strategy? Click HereConnect with us here:Website: aurorawellnessgroup.co.ukLinkedIn: NgoziLinkedIn: ObehiAurora Company Profile 2024Book a Call here

Farmers in the Upper Midwest are utilizing actionable data to make informed decisions about the conservation practices implemented on their farms. Results from the first year of a five-year effort through the Farmers for Sustainable Food Climate-Smart Program showed that these sustainable farming practices are achieving positive environmental outcomes. Dairy Stream host, Joanna Guza, and guests, Drew Kessler and Michael Crinion, discuss the following topics:  Using actionable data to make informed conservation decisions How the conservation efforts are analyzed What conservations practices are the most popular Conservation efforts making economic sense Most impressive part of the program Challenges Resources Data becoming a currency What next in the space of data-driven sustainability efforts Special thanks to Farmers for Sustainable Food for sponsoring this episode. About the guests Drew Kessler — a seasoned Scientist and Principal at Houston Engineering, Inc. (HEI)—is a leading expert in water resources management and agricultural sustainability. With nearly two decades of experience, including a decade at HEI, Drew has dedicated his career to bridging the gap between environmental science and agricultural practices. His expertise in water quality, wildlife ecology, and TMDL processes has made him a valuable asset to farmers, food supply chains, and policymakers alike. Drew's ability to translate complex scientific information into actionable insights has fostered collaboration and positive outcomes for agricultural working lands.  Michael Crinion — a rural entrepreneur with extensive knowledge of dairy, beef, sheep, and poultry enterprises, as well as experience in implementing ISOs and HACCP protocols. Having grown up on a farm in Ireland, Crinion moved to Brookings, SD, in 2004 to extend his farming operations. He serves as the Managing Partner of Ash Grove Dairy, a 2,100-cow cross-ventilated dairy operation in Lake Benton, MN, and is the CEO of BioHydrogen LLC, which transforms waste streams into a sustainable and renewable hydrogen energy. In addition to his role as a Board Member with Edge Dairy Farmer Cooperative, Crinion is the 2024 Chair of U.S. Farmers & Ranchers in Action.  Resources Farmers for Sustainable Food Climate-Smart Program Farmers for Sustainable Food Resources Press release on year-one results Contact Farmers for Sustainable Food staff Compeer Financial is proud partner of Dairy Stream.  Learn more about Dairy Stream sponsorship. This podcast is produced by the Voice of Milk, a collaboration of individual dairy organizations working to improve the future of dairy farm families. Become a sponsor, share an idea or feedback by emailing podcast@dairyforward.com. 

In this episode of The Liquidity Event: Money & Finance with Shane and AJ, we unpack everything you need to know about Incentive Stock Options (ISOs) - from basic tax implications to advanced strategies for maximizing your equity compensation. Key Timestamps: 0:28 - Introduction to Incentive Stock Options (ISOs) 10:26 - Why ISOs get special tax treatment 13:29 - Exercising ISOs: Common pitfalls and best practices 15:45 - Case Study: Recovering $50k in lost tax credits 23:52 - The 5% rule: When to exercise your ISOs 25:39 - Breaking down ISO exercises into manageable chunks 27:28 - AMT credits explained: Getting your money back 28:30 - Year-end timing strategies for ISO exercises 31:28 - How to avoid losing valuable tax credits Connect with us: Email: liquidity@brooklyn.com Leave a voicemail: memo.fm/theliquidityevent/ Please like, subscribe, & leave us a review! New episodes drop every Friday. #EquityCompensation #StartupLife #StockOptions #PersonalFinance #TaxStrategy #FinancialPlanning #WealthManagement #TechCompensation  

Send us a textEpisode Summary:In this episode of The Wild Photographer, Court Whelan breaks down the essential techniques for getting sharp images in both landscape and wildlife photography. He shares insider tips on shutter speed, aperture, and focusing techniques, plus the real impact of ISO on sharpness. You'll also learn how to leverage image stabilization, drive mode, and post-processing tools like Topaz Denoise to get crystal-clear shots.Key Takeaways:

ZeroRisk, a leader in merchant risk and compliance management software has announced it has raised $4 million in a funding round led by Elkstone. ZeroRisk will use the funding to expand its U.S. presence where it serves a number of Tier 1 acquiring banks. Founded in 2023 to redefine compliance and cybersecurity, ZeroRisk transforms end-to-end merchant management for leading financial institutions across the globe. Its technology streamlines payment card industry compliance and delivers real-time data insights for acquiring banks, payment service providers, digital sellers, and other financial institutions to manage complex portfolios. ZeroRisk's Merchant Management platform is a unified, cloud-native solution that turns complex processes into one scalable system. The software allows users to manage all aspects of merchant risk and compliance such as the Payment Card Industry Data Security Standard and the NIST Cyber Security Framework. By leveraging vast amounts of data, the platform provides real-time analytics, dynamic risk scoring, and actionable insights. This helps organisations identify vulnerabilities and surface cyber risks before they become critical issues. The platform also integrates automated compliance workflows and a curated solutions marketplace, allowing users to proactively enhance performance, and improve decision-making. "ZeroRisk's platform sets a new standard for merchant risk management at acquiring banks, expanding beyond cybersecurity and compliance to address broader merchant risks and other critical compliance standards'" said Gary Nolan, Co-Founder and CEO of ZeroRisk. "This funding allows us to scale globally and continue delivering innovative solutions to our customers." The payment card industry is grappling with increasingly sophisticated cyber threats and mounting regulatory demands. The majority (80%) of global companies fail to meet PCI compliance standards, particularly in the SMB space, underscoring the critical need for enhanced security measures and strict adherence to evolving regulations. Zerorisk's platform is addressing these threats by providing enterprise-grade security solutions tailored for small and mid-size businesses at scale. Through advanced risk intelligence, automation and seamless compliance enablement, Zerorisk empowers SMB's to protect their businesses with the same level of security as larger enterprises. By democratising cybersecurity, ZeroRisk is bridging the gap between regulatory complexity and practical, cost-effective protection - ensuring that every merchant, regardless of size, can operate with confidence in an evolving threat landscape. ZeroRisk will use the new financing to expand its operations globally, particularly in the U.S. market. The company is hiring for 40 roles across a variety of functions, including data science, user experience, product, engineering, and sales and marketing. These new roles will enable the firm to enhance the delivery of cutting-edge solutions that empower acquiring banks, ISOs, and merchants with real-time insights and advanced compliance tools. "ZeroRisk is uniquely positioned to help acquiring banks manage the complexities of merchant portfolios in an evolving cyber risk landscape," said Niall McEvoy, Head of Venture at Elkstone. "Their scalable solutions and innovative use of AI are setting a new standard for risk management in the payment ecosystem, and we're proud to support their ambitious plans for growth." See more stories here.

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.

Collaboration between the industry and government will be paramount to maintain robust wholesale markets and ensure grid reliability as the state continues to promote rapid development of renewable resources in the coming year.That was the message from NYISO President and CEO Rich Dewey on the latest Power Trends podcast. In episode 38, Dewey reflected on his annual “State of the Grid” message to market participants and policymakers at the company's Management Committee, highlighting several areas of focus that he says will drive the work of the NYISO in 2025.Dewey outlined pillars necessary for a reliable clean energy transition and related ISO initiatives now underway. These include a major effort to examine options to modernize the capacity market and more accurately assess resources' unique contributions to resource adequacy. Through NYISO planning studies, the organization also continues to examine declining reliability margins, additional transmission needs and extreme weather risks.  “We've seen some dramatic changes, but one of the things that has not changed in this time period has been our steadfast commitment to the reliability of the power system and everything that we need to do to ensure that we can keep power flowing for New Yorkers,” Dewey said. “It's just so essential to the health, safety and economy of New York.”In this latest episode of the Power Trends podcast, Dewey also reflected on 2024 and ongoing energy sector trends, including the retirement of legacy power plants, the electrification of housing and transportation, and the influx of large loads like data centers, chip fabrication and traditional manufacturing plants.   “There is a fantastic news story of economic development across New York state with the addition of factories and data centers,” Dewey said. “Planning for that load growth — which translates into job growth and expansion of the economy — is exciting, but it's also challenging from the standpoint of making sure we have a reliable electric system that can meet that demand.Dewey highlighted NYISO innovations and successes over the past year including changes to the process of studying the reliability impacts of new generation and large loads that seek to connect to the grid. Hundreds of wind, solar and battery storage projects are currently being evaluated through the NYISO's new streamlined process. Looking at the federal landscape, the NYISO is developing a compliance plan for FERC Order 1920, to strengthen the long-term regional transmission planning process, Dewey said.Dewey also discussed the company's emphasis on creating a “learning culture,” which he says is necessary for innovation in the modern-day energy sector. The NYISO has been able to recruit and develop a talented and diverse workforce prepared to meet the challenges ahead. As the NYISO works to build out a clean and reliable electric grid, the organization also continues to invest in its collaborative relationships with neighboring ISOs, RTOs, state and federal agencies and stakeholders, according to Dewey. “The electric system in the U.S. is one of the largest machines ever built. We're continuously dependent on our neighbors and the power systems that are adjacent to us,” Dewey said. “The ability to work collaboratively across the industry is going to continue to be crucial to our success.”Learn More Follow us on Twitter @NewYorkISO and LinkedIn @NYISO Read our blogs and watch our videos Check out our 2040 grid page

Conexwest (855-878-5233) is now retailing high-quality used shipping containers. Their certified, cargo-worthy and high-quality ISOs come with long warranties and fast on-site delivery. Go to https://www.conexwest.com/shipping-containers-sale/40ft-shipping-container. Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com

James Shepherd interviews Ben Griefer, COO of Maverick, to explore how ISOs can collaborate with upstream partners to secure ISV and eCommerce platform deals. Whether you're a tech company or an ISO, learn strategies to succeed in the integrated payments space. Stay tuned for Rich Norton's sales tips and Patti Murphy's insights on holiday spending and its impact on margins and residuals.

This week, Aebhric OKelly talks with Michael Templeton, a flight paramedic for International SOS, and shares insights into his role, training, and experiences working in Guyana. He discusses the daily routines of a flight paramedic, the importance of training and qualifications, and the challenges faced in a tropical environment. Michael emphasises the need for confidence and leadership skills in emergency medical services and highlights the significance of postgraduate education in making informed decisions in critical situations. He also addresses safety concerns in Guyana and the measures taken to mitigate risks. In this conversation, Michael Templeton shares his extensive experiences in austere medicine, focusing on safety protocols, real-life rescue operations, and his response to the Ebola outbreak in Sierra Leone. He emphasises the importance of teamwork, adaptability, and continuous learning for medical professionals working in challenging environments.   Takeaways Michael Templeton has over six years of experience as a flight paramedic. He works in Guyana, primarily in oil and gas operations. A typical day includes meetings, briefings, and equipment checks. There is only one paramedic on duty at a time. Working in a busy EMS is essential for gaining confidence. Postgraduate education aids in decision-making for complex cases. Safety measures are crucial when working in high-risk environments. Paramedics must be prepared to make quick decisions. Training in various medical and rescue techniques is essential. Mitigating risks is key to ensuring safety in Guyana. Safety protocols are crucial in austere environments. Real-life rescue operations can be unpredictable and challenging. Injured individuals may require improvised care in remote locations. Understanding the risks and limitations of rescue missions is essential. Ebola response requires strict hygiene and safety measures. Teamwork and communication are vital in emergency situations. New medics should learn from experienced colleagues in the field. Adaptability is key when working in austere conditions. Continuous learning and skill development are important for medical professionals. Building relationships with local staff can enhance operational effectiveness.   Chapters 00:00 Introduction to Flight Paramedicine 02:55 A Day in the Life of a Flight Paramedic 06:10 Training and Qualifications for Flight Paramedics 08:53 Preparing for a Career in Flight Paramedicine 11:54 The Importance of Postgraduate Education 14:57 Safety and Risks in Guyana 25:55 Safety Protocols in Austere Environments 26:42 Real-Life Rescue Operations 38:59 Ebola Response in Sierra Leone 47:45 Advice for New Medics in Austere Medicine

When it comes to 40 ft ISO containers, Conexwest (855-878-5233) has got you covered. With affordable used, refurbished and new options, they are making shipping easy. Go to https://www.conexwest.com/shipping-containers-sale/40ft-shipping-container. Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com

Brought to you by Perform Better  Check out the HOLIDAY SALE at PerformBetter.com   Highlights of Episode 393   "Hit the Gym with a Strength Coach" Brandon Cullen, co-founder and chief concept officer of MADabolic, former pro hockey player   We spoke about: Going from athlete to entrepreneur  What is MADabolic and how it began Programming at MADabolic Specialization: The power of niche concepts Franchising: Excellence vs. Scalability Inclusivity vs. Exclusivity How the 2 concepts can coexist How the industry is getting smarter Check out more about owning a MADabolic      The StrengthCoach.com Coaches Corner with Coach Boyle We spoke about: Shaking during ISOs- is it normal? ACL RPT Timeline Social Media Influencers Deciding what to add to the business when certain modalities become popular   "Maximizing the Member Experience"  Brought to you by Naamly Sumit talks about The Value of Saying Yes When Done Intentionally Naamly is the member experience platform for modern training gyms - It puts all of your communication with your members in one place, allowing you to keep track of that communication, so important for retention.       Thanks for Listening!  You can help out the show by: Subscribing to the show on Apple Podcasts Please leave us a rating and a review! 

Thinking about hiring a financial advisor? It could be a great decision—if you know how to evaluate them. Get my free worksheet to follow a proven process and avoid common mistakes. -----  Navigating equity compensation can be tricky, especially when the year-end tax clock is ticking.  In this episode, Ally Jane Ayers, a leading expert in the complex world of equity compensation, shares tax-smart strategies to optimize your stock options, RSUs, and equity packages. Whether you hold RSUs, ISOs, or stock options at a private company, Ally's insights will help you tackle tricky tax issues, reduce over-concentration risks, and align your equity with your financial goals.   Listen now and learn:   Key tax considerations for equity compensation before December 31. How to avoid costly under-withholding on RSUs. Advanced strategies to diversify concentrated stock positions and preserve gains. The power of 10b5-1 plans for stress-free stock selling.   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   [00:37] Key Tax Considerations for Year-End Stock Compensation Planning [03:54] The Importance of Multiyear Equity Planning [09:24] Exercising Stock Options at Private Companies [14:10] Managing Risk with Equity Compensation [22:27] Advanced Strategies for Managing Mixed Equity Packages [25:38] Creative Ways to Preserve Gains and Minimize Taxes [32:49] Leveraging 10b5-1 Plans for Stress-Free Selling [34:56] Final Tips for Equity Compensation Holders

See MoreIn this episode of Fintech Confidential, recorded live at the 2024 Money 20/20 event in Las Vegas, Tedd Huff and Stephany Kirkpatrick, founder and CEO of Orum, dive into the world of money movement technology. The discussion flows naturally, covering the many ways Orum is simplifying payments and enhancing access to funds. Kirkpatrick brings a unique perspective, sharing how her background as the daughter of an immigrant and a former financial planner shaped her understanding of money access and inspired her to start Orum.Key Highlights

Discover how Dejavoo works with ISOs and ISVs to private label technology and service so they can offer merchants a processor agnostic one-stop shop in this week's conversation with Mony Zenou, Founder and CEO of Dejavoo. Mony also announces a special program for replacing merchants' outdated Linux devices with Dejavoo's Android P line at steep discounts. Check it out at ccsalespro.com/dejavoo. Also this week Rich Norton offers fresh sales tips for the feet on the street, and Patti reports on a Fiserv-Walmart partnership.

See More In this episode of Fintech Confidential's Leaders, Tedd Huff talks with Ariel Blum, CEO of Receive, about how fintech can transform cash flow for small businesses. Receive's unique model provides immediate, fee-free access to earned revenue, giving small businesses the “spending power” they need without relying on costly credit. Tedd and Ariel discuss the importance of simplifying financial tools, building a customer-centered company culture, and the role of regulation in supporting fintech innovation. They explore how access to essential financial tools can empower underserved entrepreneurs globally, highlighting fintech's potential to make finance more accessible and responsive to real-world business needs.Key Highlights- No Fees Just Freedom- Beyond Credit Scores- Spending Power Not Loans- Say Goodbye to Jargon- Empathy as a Business Strategy- Tech-Driven Liquidity- Smarter Business Growth- A New Approach to Regulation- Going Global with Financial Access- Focus on Cash FlowTakeaways 1️⃣ Unlock Immediate Spending Power2️⃣ Put Empathy First in Your Business Strategy3️⃣ Use Jargon-Free Language in Client Interactions4️⃣ When to Consider an Interchange-Based Revenue Model5️⃣ Look Beyond Borders for Business GrowthLinks: Ariel Blum LinkedInReceiveLinkedInFacebookInstagramFintech ConfidentialYouTubeNotificationsLinkedInXInstagram FacebookSupportersUnder: Transform Your Merchant Applications with Under. The Under platform revolutionizes the way ISOs handle merchant applications, offering a seamless transition to digital forms. Say goodbye to outdated processes and hello to efficiency. Discover the future of financial applications at https://under.io/ftc CheckAlt: a game-changer in the financial world: ClearingWorks. Simplify your financial management with a one-stop solution for all your AR needs and with a single login. Intrigued? Visit

Conexwest (855-878-5233) is now selling refurbished shipping containers across the US. With the biggest selection of 20-40ft ISOs in the country, the best prices, and the best support services, a Conexwest container can't be beat! Go to https://www.conexwest.com/shipping-containers-sale/20ft-standard-shipping-container?v=99 to find out more. Conexwest City: Fontana Address: 14774 Jurupa Ave Website: https://www.conexwest.com Phone: +1-855-878-5233 Email: quote@conexwest.com

See More In this episode of FinTech Confidential, host Tedd Huff and co-host Colton Pond speak with Timothy Li, CEO of LendAPI, on core strategies for fintech success. Key topics include the importance of fraud detection advancements, the need to build comprehensive products rather than features, and the role of partnerships in providing complete solutions for financial institutions. They also discuss the potential of international payments using blockchain and stresses the importance of customer feedback for relevant product development. Finally, they emphasize execution over ideas, highlighting the need to act on customer needs swiftly to remain competitive in fintech.Key HighlightsHow Fintech Tackles Fraud: The Latest Security TrendsBuilding Products, Not Features: The Key to Lasting ImpactPartnerships: The Secret Behind Fintech SuccessInternational Payments: The Next Big Opportunity in FintechCustomer Feedback Drives Product DevelopmentExecuting Ideas: Why Action Beats Theory in FintechFraud Prevention Tools: Enhancing Security for Financial ServicesWhy Complete Solutions Win Over Piecemeal FeaturesThe Essential Role of Partnership in Fintech GrowthWhy Customer Listening is Fintech's Competitive EdgeTop 5 Takeaways1️⃣ Make Fraud Detection Your Top Priority2️⃣ Focus on Product Fit Over Flashy Features3️⃣ Build Partnerships to Extend Your Reach4️⃣ Stay Customer-Centered for Lasting Success5️⃣ Prioritize Action and Execution Over TheorySupportersLoanPro: As default rates continue to rise and margins compress in lending, financial organizations are searching for solutions that combine operational efficiency with innovation. Look no further, as LoanPro allows lenders to enhance their origination, servicing, collections, and payments using the foundation of a modern lending core. Check out loanpro.io/demo to learn how 600+ financial organizations have modernized their tech stack with LoanPro.CheckAlt: a game-changer in the financial world: ClearingWorks. Simplify your financial management with a one-stop solution for all your AR needs and with a single login. Intrigued? Visit https://clearingworks.com to schedule your demo today.Skyflow, the leading data privacy platform trusted by top financial institutions. Protect your customers' data with Skyflow's innovative solutions. Get started at www.skyflowsecure.comUnder: Transform Your Merchant Applications with Under. The Under platform revolutionizes the way ISOs handle merchant applications, offering a seamless transition to digital forms. Say goodbye to outdated processes and hello to efficiency. Discover the future of financial applications at https://under.io/ftcHAWK:AI - A game-changing approach to compliance. With real-time monitoring, adaptive learning, and advanced AI, it cuts false positives, simplifying your compliance efforts. Upgrade your surveillance with ease. Visit https://gethawkai.com for more intelligent, more effective compliance.This is a Production of Diamond D3, MediaABOUT: Timothy Li: Timothy Li is a tech entrepreneur specializing in banking technology. Throughout his career, he has worked with teams to develop mission-critical software for leading organizations like Intel and JPMorgan. Timothy is the co-founder of multiple fintech startups, including LendAPI, Magic, Alchemy, MaxDecisions, Fluid Credit, and Kuber.LendAPI: LendAPI is a no-code, end-to-end digital onboarding platform designed to help banks, lenders, and insurance companies quickly launch digital onboarding solutions. With LendAPI,...

In this episode of The Articulate Fly, host Marvin Cash checks in with George Costa from TCO Fly Shop for the latest Central PA Fishing Report. As fall settles in, George shares insights on the current fishing conditions. Despite low and clear water levels due to minimal rainfall, the fishing remains robust with plenty of topwater activity. George reports on the presence of caddis, olives and the dwindling Isos, advising anglers to focus on smaller nymphs with a touch of orange.George emphasizes the importance of respecting redds during this spawning season, reminding listeners to avoid fishing to, or stepping on, them. He also notes the increase in streamer action, particularly in low light conditions, as fish are becoming more aggressive.With Halloween around the corner, George hints at the upcoming holiday season, encouraging listeners to keep an eye out for exciting gift ideas and winter classes on the TCO Fly Shop website. Listeners are reminded to seize the opportunity to fish now before the winter months set in. Tight lines, everyone!All Things Social MediaFollow TCO on Facebook, Instagram and Twitter.Follow us on Facebook, Instagram, Twitter and YouTube.Support the Show Shop on AmazonBecome a Patreon PatronSubscribe to the PodcastSubscribe to the podcast in the podcatcher of your choice.Advertise on the PodcastIs our community a good fit for your brand? Advertise with us.In the Industry and Need Help Getting Unstuck?Check out our consulting options!

"Hone in on automation and technology," explains Ben Griefer of Maverick Payments. This week's podcast also features tips for landing more sales from Rich Norton, and reporting from Patti on how card acceptance fees paid by U.S. merchants compare to fees paid by merchants in other countries.

Reminding Myself of a Lost Media Show, What is Lost Media, What is Lost, Turn-on, The Thrill of Finding, Endless Uploads, ZIPs inside ISOs, That Old Razzle-Dazzle, Campfire Stories. Never let it be said I won't talk about a show without telling you where to find it. The Lost Media videos I'm talking about are here on Youtube, scary music and all: https://www.youtube.com/playlist?list=PLKM8YX6ZzGblS97Y2llFP-HsNKFvlqy7C And here's the "Lost Media" of TURN ON: https://en.wikipedia.org/wiki/Turn-On https://www.youtube.com/watch?v=sDpum0Jp7Gw https://www.youtube.com/watch?v=XwRYpqTpCU4

The Education Brief: Saturday 5 October 2024 - Top stories include: Ofsted has revealed plans to assess schools on inclusion in upcoming inspections. The government has released key dates for primary assessments. A new "high level research commission" has been established to examine pupil engagement and its impact on school attendance, amid rising absence rates. Bridget Phillipson has committed to reducing funding for Oak National Academy. This week's deep dive:  Towards an Effective and Financially Sustainable SEND System We'll also tell you what's happening at HEP this week and what we've been watching, listening to, and reading! Watching - https://www.youtube.com/watch?v=egdNUGnDjSc Listening - https://evidenceintoaction.podbean.com/e/ep-24-implementation-in-schools/ Reading - https://www.penguin.co.uk/lit-in-colour-pioneers-pilot AI Tool - https://www.youtube.com/live/HIfaMx07RaE Music by Slo Pony Link to Isos report

Josh Radman joins us today to discuss a little discussed topic on Money Tree Podcast: Decoding RSU, ISO and NQ SOs. He also shares how government programs and how they impact our labor market. He shares an example from local Broogers, which struggled to find staff and often received resumes from unemployable candidates. Josh also touches on how employment data has been revised to show many jobs are part-time or within the government, driven by new regulations. Shifting gears, Josh explores the idea that large AI models, like ChatGPT, might be throttled to prevent them from predicting the future, potentially disrupting markets. He also highlights the critical need for clean, reliable data for AI to function properly, as  current government data is often inaccurate or manipulated.  Today we discuss...  Josh Radman shares his background, from General Mills to tech companies like Walmart e-commerce, where he encountered confusion around equity compensation. How his frustration with understanding ISOs, RSUs, and NSOs led him to found Presidio Advisors, a firm focused on helping millennials with equity compensation. He emphasizes the importance of balancing tax considerations with investment risk and prioritizing financial goals. Radman discusses regret minimization as a tool for decision-making, helping clients navigate the risks of equity compensation. Companies often fail to educate employees about equity compensation due to legal concerns, leaving employees to navigate complex tax and financial decisions. The complexity of ISOs, NSOs, and RSUs requires advanced planning and understanding, especially when managing liquidity events like IPOs. How long-term capital gains tax rates are preferable (0%, 15%, or 20%) compared to ordinary income tax rates (up to 37%). Employees often face a limited post-termination exercise period (typically three months) to exercise stock options after leaving a company. It's important to assess short-term, mid-term, and long-term cash needs when considering exercising stock options. Restricted Stock Units (RSUs) are taxed as ordinary income upon vesting without requiring cash outlay to exercise. A common misconception is that you must hold RSUs for a year to achieve optimal tax treatment; this is not necessary. Employees often underestimate total exposure to their company's stock due to both explicit and implicit risks. Cognitive biases, such as the endowment effect, can lead individuals to overvalue their RSUs and resist selling. Market returns are skewed, with a small number of companies generating significant returns; diversification is essential to mitigate risk. For more information, visit the show notes at https://moneytreepodcast.com/decoding-rsu-iso-nqso-josh-radman-648 Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

In this episode of The Articulate Fly, host Marvin Cash catches up with George Costa of TCO Fly Shop in State College for another Central PA Fishing Report. George shares his humorous take on his health regimen and dives into the current fishing conditions in Central Pennsylvania. With cooler temperatures and a bit of rain, the fall fishing season is shaping up nicely. George highlights the effectiveness of terrestrials like ants, beetles, crickets and hoppers, while smaller nymphs are also producing good results. Streamer fishing is still a few weeks away, but the fish are beginning to prepare for pre-spawn, making it an exciting time on the water.George provides updates on the local hatches, including Isos, caddis, olives and October caddis. He also shares information about upcoming classes at TCO Fly Shop, such as tying classes, on-the-water instruction and specialized courses like the streamer and Euronymphing classes. Notably, Steelhead Steve will be conducting a steelhead-specific class on October 19th, perfect for those looking to gain in-depth knowledge about steelhead fishing.Marvin encourages listeners to send in their questions to keep George happy and to get a chance to win some Articulate Fly swag and be entered into a drawing for cool shop prizes at the end of the season. Don't miss this episode packed with practical fishing tips, local insights and a touch of humor.All Things Social MediaFollow TCO on Facebook, Instagram and Twitter.Follow us on Facebook, Instagram, Twitter and YouTube.Support the Show Shop on AmazonBecome a Patreon PatronSubscribe to the PodcastSubscribe to the podcast in the podcatcher of your choice.Advertise on the PodcastIs our community a good fit for your brand? Advertise with us.In the Industry and Need Help Getting Unstuck?Check out our consulting options!

Check out our past deals, future ones, and join our community: https://thewealthelevator.com/club/Understanding RSUs and ISOs: Expert Insights for Tech Startup EmployeesIn today's podcast, we bring on an expert to discuss Restricted Stock Units (RSUs) and Incentive Stock Options (ISOs) for those in tech startups. We delve into the impact of the September 13 end of corporate stock buybacks on tech stocks and what it could mean for your investments. With interest rates dropping, now might be a crucial time to reconsider putting more money into the stock market. Additionally, we discuss the potential benefits of diversifying out of traditional investments and explore opportunities in real estate syndications. Join our live webinar this Thursday for more exclusive insights, and don't forget to visit thewealthelevator.com/club for access to special events and to book your onboarding call.00:00 Introduction to RSUs and ISOs in Tech Startups00:23 Impact of Corporate Stock Buybacks Ending00:49 Market Implications and Investment Advice00:59 Diversifying Investments and Financial Planning01:16 Upcoming Events and Opportunities Hosted on Acast. See acast.com/privacy for more information.

In our recent webinar, we explored strategies to reduce friction in the sales process, increase the lifetime value of your clients, and boost payment processing margins by white-labeling your own gift card program. For those looking to create long-lasting relationships with merchants, regardless of the technology solutions they choose, it's crucial to control the gift cards and offer a flexible program. During the event, Ryan Rose, CRO at Factor 4, joined us to discuss three key revenue drivers that are often overlooked by ISOs and Agents—drivers that can significantly impact your portfolio's value.

In this week's episode, James interviews David Morris about which payment methods are most important and how ISOs and ISVs should adjust their payment acceptance strategy. Then, we get a sales tip from Rich Norton and James finishes this episode with a special segment recorded a few days ago at his dinner with Green Payments on the future of the payments industry and how Agents and ISOs should focus on partnerships as they move forward.

Harness Wealth CEO David Snider on Unlocking Financial Mastery: Strategies for Entrepreneurs and Investors Harnesswealth.com About the Guest(s): David Snider is the founder and CEO of Harness Wealth, a company dedicated to making bespoke financial advice accessible, intuitive, and valuable through a holistic wealth platform. David previously served as an executive at Bain Capital, COO and CFO at Compass, and was responsible for significant operational and financial growth. His extensive background includes significant transactions and IPOs, bringing unparalleled expertise in the financial sector. Episode Summary: In this episode of The Chris Voss Show, Chris interviews David Snider, the CEO and founder of Harness Wealth, a pioneering company in personalized financial advice. The discussion brings to light the intricacies of managing wealth through tailored advisory services, equity compensations, tax complexities, and sophisticated financial planning. With 16 years of podcasting experience and over 2,000 episodes, Chris Voss continues to bring the most influential minds to share their journey and impart valuable lessons. David Snider divulges the genesis of Harness Wealth, emphasizing the importance of specialized financial advice. From handling tax complexities to advising on equity compensations and IPOs, Harness Wealth positions itself as a vital tool for optimizing financial decisions. The conversation also explores significant platforms on Harness Wealth like net worth tracking and their expanding involvement with cryptocurrency management. Key Takeaways: Harness Wealth aims to provide individualized financial advice that addresses complex tax and financial decisions. David Snider's personal experiences underscore the necessity for accurate, situation-specific financial guidance. The platform allows clients to track their finances comprehensively, including cryptocurrency, ISOs, and NSOs. Harness Wealth serves clients with varying levels of financial complexity and strives to offer immediate advice solutions. The company integrates innovative software to aid both financial advisors and clients in navigating today's financial landscape. Notable Quotes: "Good generic advice is often wrong because of the unique nature of someone's situation." - David Snider "We wanna serve people where the complexity they are facing is no longer solvable with DIY or kind of the Main Street solution." - David Snider "Having the right advice delivered securely, delivered in a way that creates value and at a reasonable price is really core to what we're offering." - David Snider "The most important advice you can get often is well before you're paying that seven figure tax bill." - David Snider "Being able in one place to have a solution to tackle the increased personal complexity… is really quite vast." - David Snider

Welcome to episode 68 of the One for the Money podcast. This is part 2 of a 2-part series on novel investment strategies. In this episode, I'll review a novel investment strategy called factor investing.In the tips, tricks, and strategies portion, I will share a second tip regarding stock options this time regarding incentive stock options also known as ISOs. In this episode...Investment Factors & Potential Higher Returns [1:15]Factor Investing - Passive vs Active [6:32]Incentive Stock Options [9:12]Factor investing is a strategy that chooses investments based on certain attributes or factors that historically have had higher rates of return. The assumption is that these same attributes will continue in the future. The First one is that historically, stocks have outperformed bonds. Since 1926 stocks returned between 8% – 10% whereas the bonds returned between 4% – 6%. If you invested $1 in 1926 and earned the bond average of 5% it would be $113 by 2023, but if that dollar earned the stock average of 9% return it would be $4269. That's why for longer-term goals we invest in stocks because historically they give you more to spend in the future when things will cost more.The second investment factor is that smaller companies tend to grow faster than larger companies. Amazon and Apple all started in a garage and look at them now. But if people only invest in the S&P500 which all of the large American companies then they will miss out on buying the Apples, Teslas, Nvidia, Microsofts when they were smaller. From 1927 through December 2023 small stocks outperformed large stocks, 55% of the time after one year, 59% of the time after 5 years, and 68% of the time after 10 years.The third factor to consider while investing is the price of the stocks you are buying. Some stocks are more expensive than others. Confusingly, this has nothing to do with the price of the stock but rather the price of the stock relative to the earnings of the company. This is known as the P/E ratio. On average, value stocks have outperformed growth stocks by 4.4% annually in the US since 1927. From 1926 through December 2023 value stocks were higher than growth stocks, 59% of the time after one year, 70% of the time after 5 years, and 78% of the time after 10 years. The final factor to consider is profitability. That may seem like a captain obvious type comment but factoring in companies with higher probability can make a significant difference for investors. From 1963 through December 2023 high profitability companies were higher than lower profitability companies, 67% of the time after one year, 82% of the time after 5 years, and 92% of the time after 10 years. Successful investing really should target factors that generate higher expected returns. Looking at average annualized returns going back decades, small-cap stocks have beaten large caps, value has outperformed growth, and high-profitability stocks have outgained low-profitability stocks. Unlike active investing or trend models, factor investing doesn't use a crystal ball but instead is grounded in economic theory and backed by decades of empirical data. Of course, past performance is no guarantee of future results but investing based on science is way better than investing based on an active manager's hunch or predictions about the future.Tips & TricksISOs are usually issued by publicly traded companies or private companies planning to go public. My tip regarding ISOs is whether you should take a higher salary and fewer ISOs or a lower salary...

Your ISO should offer BNPL. "At the end of the day, it's all about stickiness," says Derek Barclay, CEO at Enable Inc., which offers ISOs a white-label approach to financing consumer purchases. Plus, another installment of sales tips from Rich Norton, and Patti's reporting on how consumers are embracing tap to pay.

 In this week's episode of The Conference Room, host Simon Lader sits down with George Csahiouni, President of Swoop Business Solutions, to delve into his extensive experience in the fintech industry and his journey from a high-level executive to starting his own successful ventures.    KEY TAKEAWAYS FROM THIS WEEK'S EPISODE    01:46 - 06:04 - Starting Out in Fintech   06:30 - 11:34 - Challenges and Innovations in Fintech  16:02 - 19:08 - Transitioning from a VP role to a CEO  19:08 - 21:43 - Exiting Trans Merritt   21:43 - 24:26 - Founding Swoop Business Solutions   25:20- 25:47 - Business in a Box  25:47 - 26:17 - Access to Capital  26:17 - 26:41- Expanded Portfolio  26:41 - 27:03 - One-Stop Shop  27:03 - 27:26 -Tips for Business Success    George Csahiouni (Sa-yoo-ni) is the President of Swoop Business Solutions, he has over 23 years of experience selling to the fintech industry, with a specialized focus in payment processing. As a sales expert and chief revenue lead, he has been instrumental in driving sales and revenue growth for resellers, ISOs and various businesses. Based in Chicago, George's core skill set combines deep business acumen with the expertise to coach and build highly effective leadership teams that consistently exceed quota.  To learn more about George Csahiouni please visit his Linkedin Profile      To learn more about leadership, please visit their website           YOUR HOST - SIMON LADER         Simon Lader is the host of The Conference Room, Co-Founder of global executive search firm Salisi Human Capital, and lead generation consultancy Flow and Scale. Since 1997, Simon has helped cybersecurity vendors to build highly effective teams, and since 2022 he has helped people create consistent revenue through consistent lead generation.            Get to know more about Simon at:         Website: https://simonlader.com/   Twitter: https://twitter.com/simonlader   LinkedIn: https://www.linkedin.com/in/headhuntersimonlader/         The Conference Room is available on      Spotify  Apple podcasts  Amazon Music  IHeartRadio