Podcasts about Isos

Esta vez analizamos un mercado volátil que sacudió portafolios y generó decisiones importantes. Comentamos el impacto del pullback de Bitcoin, el sorprendente IPO de Circle respaldado por BlackRock, y los ajustes que hicimos en nuestro portafolio, incluyendo la venta de SUI y la reevaluación de los tokens de AI.Suscríbete a Voyager: https://espaciocripto.io/voyagerComunidad de Espacio Cripto: https://t.me/espaciocripto00:00 - Intro02:07 - Análisis del IPO de Circle y movimiento de BlackRock05:03 - Volatilidad general del mercado05:45 - Análisis de resistencias y precios de criptomonedas09:11 - ISOs y su influencia en el mercado11:49 - Revisión del portafolio: ganancias, pérdidas y decisiones15:27 - Ethereum: Metas claras y comparativo con Bitcoin19:03 - Competencia cripto y nuevos actores institucionales22:49 - Reestructuración del portafolio: salida de SUI, compra de ETH26:36 - Tokens de AI: análisis y postura del equipo30:01 - Outro

In this episode, I break down the ins and outs of Restricted Stock Units (RSUs), Non-Qualified Stock Options (NSOs), Incentive Stock Options (ISOs), or Employee Stock Purchase Plans (ESPPs).---------✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

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. 

We've been hearing a lot about MISO since the brownout on Sunday. How do ISOs work? What's happening when a load shed is needed? Dr. Shahab Mehraeen, Professor of electrical engineering at LSU, explains.

* Celebrating the huge impact of the maritime industry in New Orleans * We've been hearing a lot about MISO since the brownout on Sunday. How do ISOs work? What's happening when a load shed is needed?

* Elections have consequences, and we're seeing that with the New Orleans sheriff * It's National Maritime Month! The maritime industry is huge for New Orleans * How is the prison escape shaking up the race to be the next sheriff * Explaining what actually goes into gas prices * What is MISO? How do ISOs work? We explain

What does Ontario's new 12-year Save on Energy framework mean for homeowners, businesses, and the future of energy in Canada? Learn how the program supports smarter grid planning and energy use, lowers emissions, improves affordability, and helps Ontarians make the switch to cleaner technologies. Tam Wagner from the Independent Electricity System Operator (IESO) joins thinkenergy to explain why conservation is a critical tool in Canada's transition to clean energy. Listen to episode 158 today.   Related links   ●     Tam Wagner: https://www.linkedin.com/in/tam-wagner-p-eng-268828b1/ ●     Save on Energy framework and programs: https://saveonenergy.ca/  ●     Independent Electricity System Operator (IESO) : https://www.ieso.ca/ ●     Trevor Freeman on LinkedIn: https://www.linkedin.com/in/trevor-freeman-p-eng-cem-leed-ap-8b612114/ ●     Hydro Ottawa: https://hydroottawa.com/en    To subscribe using Apple Podcasts: https://podcasts.apple.com/us/podcast/thinkenergy/id1465129405   To subscribe using Spotify: https://open.spotify.com/show/7wFz7rdR8Gq3f2WOafjxpl   To subscribe on Libsyn: http://thinkenergy.libsyn.com/ --- Subscribe so you don't miss a video: https://www.youtube.com/user/hydroottawalimited   Follow along on Instagram: https://www.instagram.com/hydroottawa Stay in the know on Facebook: https://www.facebook.com/HydroOttawa Keep up with the posts on X: https://twitter.com/thinkenergypod   Transcript: Trevor Freeman  00:00  Welcome to thinkenergy, a podcast that dives into the fast, changing world of energy through conversations with industry leaders, innovators and people on the front lines of the energy transition. Join me, Trevor Freeman, as I explore the traditional, unconventional and up and coming facets of the energy industry. If you have any thoughts, feedback or ideas for topics we should cover, please reach out to us at thinkenergy@hydroottawa.com. Hi everyone. Welcome back. Energy is finite. Now don't worry. You didn't stumble into a podcast about theoretical physics. And while yes, that concept, that statement, could launch us into a discussion about the ever-expanding universe, about how we're all made up of the remnants of exploding stars, or how ultimately, all of our collective species' history, including the history of the planet, is but the tiniest fraction of a fraction of a blink of an eye in the grand scale of the cosmos. That's not what we're talking about today. But if you want to talk about that, give me a shout. I'd love to. know today we're talking about much more zoomed in practical look at what that statement means. So, the amount of electricity available to us as consumers who need that electricity to charge our devices, to operate our homes and our businesses, and increasingly, to heat our spaces and to power our vehicles, is limited. In the past, that electricity has been limited by the inputs by the fossil fuels that we need to burn in order to generate that electricity. But increasingly, as we transition to more and more renewable sources who you know, seemingly are infinite, you know, there's a whole lot of sunlight out there. Our limits are more economical and practical. We are expanding the grid. We're adding capacity, adding more generation, transmission, distribution, but those things also come with a cost, so we can't just do it in perpetuity, and we can't do it at the speed maybe necessary for some of the new uses that we're looking for. In light of all that, it does make sense for us to ensure that we are being as efficient as possible with the energy that we do need to use. Enter conservation or demand side management, the intentional effort to reduce wasted energy and to maximize efficiency, while also managing when we use energy so as to spread out the load, to minimize large peaks of demand, which are harder to manage than a more even demand profile. In Ontario, our system operator, the Independent Electricity System Operator, or IESO. Sometimes I'll refer to that as ISO has managed provincial conservation programs for the last two decades. Conservation is and has been a foundational element in grid planning and in our supply mix. That has been the case for a number of years now, and will continue to be the case. Recently, in January of this year, January 2025 the ISO unveiled its ambitious new save on energy framework, a comprehensive 12-year plan designed to empower both residential and commercial customers in Ontario to take control of their energy consumption. This initiative arrives at a really critical juncture, recognizing the pivotal role of energy efficiency and maintaining a reliable and affordable electricity system, something we talk about all the time on the show, amidst a projected surge in demand driven by economic growth and the energy transition towards electrification, something else we talk about all the time on the show. I hope by now you're seeing that all these things come together, and the topics that we talk about are usually related to each other. Backed by significant provincial investment and a strong commitment to collaborate across the sector. And this includes ongoing collaboration with Enbridge and a new role for the local distribution companies like Hydro Ottawa, this new framework really introduces a suite of new and expanded programs aimed at creating this culture of conservation and facilitating the adoption of cleaner energy technologies. It's really meant to complement the energy transition and make sure we do it in a way that is as efficient and affordable as possible. The ISOs new save on energy framework in Ontario holds significant implications for Canada's broader energy future, aligning with a number of key national trends and objectives. So just because this is an Ontario framework, there's a lot of good information here that applies across Canada's energy sector, and indeed, even beyond Canada's borders. Things like supporting our climate goals and emission reduction targets by encouraging a shift away from fossil fuels for heating and transportation, by making it easier to switch to electric options for those two things, things like recognizing energy efficiency as one of the lowest cost resources to address system needs, and in fact, we'll talk about that in our conversation with our guests here in a few moments. Addressing the need for electricity demand. As Canada pursues electrification across various sectors, so in Ontario, our system operator is forecasting a 75% increase in our demand by 2050 you're seeing similar projected increases across the country and indeed around the world, as economies and energy sectors that have been very reliant on fossil fuels look to switch to more electric options, while at the same time managing those other growth items that we've talked about in the past. Ai data centers being one of the big ones. This framework also looks to promote grid modernization and integration of more renewable energy sources across the grids, so in essence, a greater interprovincial electricity system. And finally, looking to foster economic opportunities by stimulating the clean tech sector driving more demand for those energy efficient technologies and services. So, to help us better understand this new program and the role of conservation in Ontario's grid management, I decided to go right to the source, and I'm joined today by Tam Wagner. Tam is the director of demand side management at the ieso and provides thought leadership for the design and delivery of energy efficiency and demand side management programs. Tam has been with the ISO since 2005 in a number of different roles, and so she is well placed to help us dive into all the details about this new conservation framework. And I'm really excited to talk to her today. As I mentioned a couple times in our chat, I come from a conservation background. That's kind of how I got my start in the utility and so it's great to see how it's evolved over the years. And I'm really excited to dive into this with Tam. Tam Wagner, welcome to the show.   Tam Wagner  06:54 Thanks for having me, Trevor.   Trevor Freeman  06:55 okay, so let's dive right in with a little bit of the basics here. Why is energy efficiency a priority for the province? Why are we even talking about energy efficiency?   Tam Wagner  07:05 So, to get into that, I'm going to take a step back first and talk about what electricity demand is doing in the province of Ontario. So, what we're seeing is it's growing according to the ISO latest demand forecast, the provincial electricity demand is anticipated to grow 75% by 2050 and that just further reinforces the need for us to really invest in everything in order to meet those growing electricity demands, including energy efficiency and demand side resources. At the ISO, we've been delivering energy efficiency and demand side management programs for businesses and residences in Ontario for nearly 20 years, and we've done this through different frameworks and business models. And more specifically, since 2011 we've been delivering our programs through our save on energy grant. With that is, is what we've seen is energy efficiency at three cents per kilowatt hour. It's one of our lowest cost resources to meet what Ontario's energy needs, what we've been able to achieve, and it's really building on this success is, since 2006 Ontario has saved 18.5 terawatt hours of electricity as a result of our programs. So, to put that into context, that's the equivalent of powering 2 million homes for one year. And so, with that is when we think about energy efficiency, it's really a key tool in our toolbox to meet some of the reliability needs, yes, in the past, but also those growing needs going forward.   Trevor Freeman  08:27 And what about the so we talk a lot in the show, obviously, about the energy transition in context of climate change and trying to reduce our emissions. How does energy conservation fit into that? What are some of the environmental benefits of focusing on energy efficiency?   Tam Wagner  08:44 When we think about when Ontarians use electricity the most, and usually it's in the summer period with air conditioning load on, in order to meet those electricity peaks, what we run is is a variety of generators within the province, so nuclear, hydroelectric, but also included in that is our natural gas generators. And oftentimes those natural gas generators are on for those peak periods, like I mentioned, in those summer peak periods. So, by leading into energy efficiency and actually reducing what our summer peaks are, we're relying less on those gas generators, and hopefully being able to run them less as well, because we are flattening what that load is, if we're running those gas generators less, we're able to reduce the greenhouse gas emissions that come from those resources.   Trevor Freeman  09:28 Yeah, and just for our listeners, kind of drawing on my background of previously working in energy conservation, all the things that really drive toward wanting to reduce electricity consumption, sort of the highest cost times the highest emission times. They all kind of coincide. So, when you're focusing on that energy efficiency, focusing on reducing your consumption or your demand, it has that added benefit of reducing your cost and reducing your emissions, and all of the above. So really, a lot of things coming together to make. Energy Efficiency makes sense for the customer as well as the utilities and the system operator, of course. Okay, so Tam, you said a couple of things in that answer that I want to dive into a little bit more detail. So the first one is that energy efficiency has been around for a long time. You know, you said, 20 years we've been doing energy conservation in one form or another in the province of Ontario. So, what's different about this latest framework that's just been launched? How has that evolved? What's different moving forward?   Tam Wagner  10:29 Now, you're going to get me really excited to talk about this. If we reflect back on on the past, what we've had is is really time bound frameworks. Our frameworks have been anywhere from two years to five years with this new framework that we were starting in is it's a 12-year framework, so over a decade long. The other piece is the funding commitment, and so it's a 12-year framework with a $10.9 billion commitment. So, it's billion with a B. So, we're talking both from a scope and a scale perspective, significant additional investments and time commitment with the new framework. One of the recommendations that the ISO made in our midterm review report, and so this was published in 2022 and the at the midpoint of our previous framework was our recommendation was to move away from these time bound frameworks and better leverage demand side, manage, management and energy efficiency as a resource to respond to evolving system market and customer needs. So, as you noted, Trevor, there is, is the one of the things I also say too, is, is the superpower of energy efficiency is, is it really operates at that intersection point between the electricity grid needs, but also what customer needs are, being able to respond to customer needs will allow us to provide electricity savings to address those energy system needs, and with this new framework, it does exactly that. So not only is the framework a 12-year commitment, a feature of the framework is that it's enduring. So, what do I mean by it being enduring is that within that 12 year period, there's a commitment that at the six year mark, we'll do a midterm review? We'll reflect on what's working, some of the successes of the program, of the framework, but then also, what are the opportunities to enhance it? How a system needs evolved over that time? How have customer needs evolved over that time? And provide recommendations? Going forward with those recommendations, there's an opportunity for the government to then also recommit to the framework and enhance it or extend it out another six years, so that we have another 12-year framework. So, the key element of this is that the framework actually never hits its end point. It just continues to re up itself or extend itself with the with the support and commitment from government. The other piece that I'd highlight too are from a customer perspective is, is, with this framework, there's a there's something for everyone in it. When we look at the electricity system and past frameworks, it really carved out specific customer classes that our programs could serve. With this it captures businesses, whether it be small business, commercial, institutional or industrial or industrial organizations, but it also has call outs for the residential sector as well as customers that have historically been underserved or vulnerable customer segments, including income qualifier First Nations communities. So really a broad scope in not only timing and funding commitment, but also the customers that we can serve with this framework   Trevor Freeman  13:21 That's fantastic, again, lots of good stuff in there. I really like the idea of creating a more enduring model that has more predictability a longer time frame. And the benefits of that are fantastic. It gives our customers predictability. They know these programs are going to be around, and they can plan their projects ahead of time. Instead of scrambling to Hey, we got to get this done in the next 12 months or two years, or whatever the case may be, it lets you know service providers, or those folks that are out there supporting energy efficiency measures build this into their business plans and really spend the time to educate customers. And then, speaking from the utility perspective, this is also great to have that predictability. We can talk to our customers about it. We can say, look, this is the reality here. This is the program that'll be in place for a long time. So I think that's fantastic that we've got that sort of enduring model. Now.   Tam Wagner  14:19 Trevor, I feel like he's been a fly on the ISO walls that we as we've been talking about, the new framework, because those are exactly all the things that we've highlighted. The other piece I would add, too, is, from a workforce perspective, is being able to build capacity in all of our respective organizations, to be able to support the the increased need and demand for for energy efficiencies, whether it be from a contractor or skilled trade perspective. So giving us the time to invest in people as well?   Trevor Freeman  14:51 Yeah, yeah, that's another great point. And our listeners, you know, who knows what their background is, but everybody probably has some experience in you. A plan is great on paper and a program is great on paper, and when you actually implement it, there's a lot of lessons to be learned and iterations and tweaks, and having the runway to learn those lessons and make those tweaks and adjust as you know time goes on and the context change, I think, is another really great benefit of this program, and having that long timeframe to have that flexibility and have the room to maneuver, which is fantastic. So I agree. Okay, so the next thing that you mentioned a little bit ago, that I want to dive into is just the sheer magnitude of additional demand that is coming, and that's not going to be anything new to listeners. We talk about that a lot of you know all the different drivers that are pushing up demand from electrification as a result of the climate crisis, growing demand in AI data centers, et cetera, et cetera. You mentioned the projection of a 75% increase by 2050, so let's talk about the role that energy efficiency in particular will play in helping address that growth and the growing demand that's coming and making sure that we can meet that demand in an affordable way. What's the role of energy efficiency in that?   Tam Wagner  16:19 I think what I'd say is, is the challenge that that puts out to energy efficiency is our forecast. Our latest forecast indicates that 75% growth by 2050 I say the challenge that's put out to energy efficiency is, how do we make it less than 75% so with energy efficiency, what it helps to do is, is it helps to mitigate the pace of that growth by using electricity more efficiently. It's a tool in the ISOs reliability toolbox, and so it's a resource that we will directly incorporate into our planning assumptions and indicate, and basically from the from the get go, say, if we can get this savings and electricity from energy efficiency, those are megawatts that we don't have to go out and procure traditional resources or or defers the timing in which we may need to procure those additional resources, so whether that those resources be supply side generators or transmission or distribution line infrastructure, so really, being able to avoid or defer some of those infrastructure costs. The other piece too about energy efficiency, and back to that point around that intersection point between system need and customer need is our programs. By participating in our programs, you're directly getting dollars right into your pockets. So through our incentives and our rebates, those are dollars that we will provide straight to the customers and participating in our program. So that's the upfront benefit from an affordability perspective, but then from a longer term perspective is it helps customers be able to better manage their energy and usage, and being able to better manage your energy and use you can also better manage what your energy bills are. So, Trevor, you had mentioned around, okay, what are some of those peaking times, and what are the higher costs often attributed to those peaking times is through demand side management and energy efficiency. You can not only shave that peak by using less electricity. The other piece that we're really leaning into, and I keep referring to, demand side management, is, how can you control how you how you use that electricity? One of the things that we've done recently for residential consumers is through our P perks program and through something as simple as a smart thermostat, is being able to actually provide electricity systems to the system savings to the grid through small adjustments on the smart thermostat that you have at home can make really big impact from a grid. Need perspective, but then also impact what your usage is, and shifting some of your use at home into those lower priced hours, when we think of it, the time of use rates.   Trevor Freeman  18:46 Yeah, really, when it comes down to it, every kilowatt hour saved, or, you know, kilowatt avoided, is something that doesn't have to pass through a transmission line or a distribution line. It doesn't have to go through a transformer, and we don't need to generate that somewhere. And so there's obviously savings there. You mentioned a little bit earlier in a previous answer, that stat around, you know, three cents per kilowatt hour. How does that stack up? Or how does that compare to other generation or transmission assets, like when it comes to cost and reliability? Compare energy efficiency to more traditional assets.   Tam Wagner  19:24 The simple answer is, it's lower. So when one of the principles we take when we when we pursue our energy efficiency programs is we talk about it being cost effective. And what that really means is that when we compare it to other traditional infrastructure, so long as the cost of providing those energy efficiency programs, so cost from an administration perspective and delivering the programs, but also including the incentives, the rebates that we provide to customers, so long as that all in cost is less than the cost of traditional infrastructure, whether it be generation or transmission, we'll pursue it. So that's really. Where I'd say just simply, is the energy efficiency programs that we deliver are all cost effective, and so they're all a lower cost than the traditional resources that we employ.   Trevor Freeman  20:11 That working. I can speak from experience, working at the utility, and like I said previously, being in conservation, I have gotten the question in the past, why is the utility or the utility sector, spending money to get us to not use electricity? Isn't that counterproductive? And you just gave the answer right there. It's so much cheaper to do that than to try and build new generation, build new assets. It's the cheapest way to achieve that capacity, to get that capacity that we need on the grid, which, again, we talk about here all the time. So great answer. Let's get into the numbers a little bit. So you mentioned sort of previous savings that we've achieved here in the province of Ontario. And I think you said, if I'm not mistaken, since 2005 we have saved essentially the equivalent of, you know, taking 2 million homes off the grid. I hope that's the right stat. Then the targets that we've got here for this program are pretty ambitious, and so for our listeners, by the end of 2027 so that's really only two and a bit years from now, two and a half, the target for the program is to achieve 900 megawatts of demand reduction and 4.6 terawatts of energy savings. Now, for those of you who are not kind of nerdy engineers like myself, like Tam, sorry, Tam, to throw you in that bucket, that's about the same as taking a half a million homes off the grid. So we've done 2 million homes already, and the last 20 years. In the next two and a half years, we're trying to hit a quarter of that tell me a little bit about the ambition of this program.   Tam Wagner  21:53 Definitely ambitious, if I think that's really great context, and even if I take the context even more recently, when our last framework was a four-year framework. So, from 2021, to 2025, our targets there were 725, megawatts of peak demand savings and 3.8 terawatt hours of energy savings, which were aggressive then. So, we're continuing to be more aggressive on our savings. And what I'd say with that is, that what we're seeing is, is we're seeing a very engaged customer base. Ontarians are very engaged and want to do their part, and especially if their part actually doesn't require a lot of work on, on the Ontarians behalf. And so, what we're really wanting to do is, is tap into that and say, if you, if you want to do your part here, we'll give you a space for you to do your part, whether it be at home, as a as a homeowner, or in your businesses and looking at it from a larger scale perspective, really, what we want to lean into is that all hands-on deck approach. So, recognizing that this is the lowest cost resource to meet our growing needs is, let's start there first. Let's optimize. Let's get everything we can out of energy efficiency and that lowest cost resource before we go up the stack to say, Okay, if it's not an acknew, we've got to spend on something that's a little bit more expensive. But let's first try to exhaust that lowest cost resource first. And one of the things that we also recognize in doing that is, I feel like I talked a lot about the ISO, but definitely the recognition that the ISO is, is that we can't do it all ourselves, is that these growing needs are going to impact everyone, both from a end user or consumer perspective, but also businesses and organizations and utilities that you touched on before Trevor. So as we are faced with the same challenge when it comes to growing electricity needs, how do we work together to address that? And very much a I'm very much a supporter of the saying we're so much greater than the sum of our parts, and being able to work together to achieve those growing needs will be a key part in meeting those very aggressive targets.   Trevor Freeman  24:05 Yeah, so perfect segue into the next thing I want to talk about, which is the role of the different players in the sector. And so just as a refresher for everybody, the Independent Electricity System Operator is the system operator in Ontario who kind of oversees the electricity grid for the province of Ontario. We have a transmission entity who kind of gets the high voltage electricity around the province to the place it needs to be. And then there are distribution entities, and that's who hydro is, who I work for. So Tam, let's talk about the role of that local distribution company, that kind of last line before the customer when it comes to implementing this new framework.   Tam Wagner  24:50 So, I, what I would say is, is that we very explicitly call out collaboration in this framework. So, we talk about, yes, well, the local distribution companies. So specifically, we also talk about our natural gas distributors as well as the federal government in our potential collaboration efforts. So, we'll focus in on the local distribution company side of it. We recognize that as the province wide needs are growing, from a bottom up perspective, the distribution needs are growing in each of the distribution territories as well, and so especially when some of those needs are coincident with each other, there's opportunities for us to really as opposed to us each doing our own thing in order to address our own relative challenges. Is why not work together to come up with a solution that'll address both of our challenges at the same time, and a big goal of that, yes, meeting those system needs, but having that customer focus in mind and saying, looking at it to say, how can we best enhance the customer experience? And if we've got a really strong customer journey and something that really speaks to customers, more customers will participate in our programs, and we'll address our system needs. I don't want to say it as a as a byproduct or as a result, but it starts first with the customer. For the ISO, we recognize, you noted, we're a system operator. We're operating at that 10,000-foot level when it comes to electricity grid, we've had great success in recognizing the value of energy efficiency and demand side management and addressing our bulk system. Addressing our bulk system needs in working with local distribution companies, we want to also be able to support and be able to really move the conversation around how energy efficiency and demand side management can also help address those distribution system needs as well. And what that is we also recognize the strength that LDCs bring to the table when it comes to your customers and the relationship that you have with customers. So what we've been working in, and we've already been working collaboratively with local distribution companies across the province, we're really taking a an approach in two main areas when it comes to that collaboration. So first off, leading into that customer the customer relationship that local distribution companies have working with the utilities to further support the province wide programs that are delivered under the save on energy brand and enhancing the customer journey, customer experience to those really focusing on marketing and business development activities to increase the participation in our province wide programs. So that's the first area of focus that we have with our collaboration. The second area, and leading into the piece around the distribution system needs those utilities may be faced with, is, how do we work together to support some local programming, where from an as a system operator working at that 10,000-foot level, those look that local programming will also yield benefits to the bulk system. And recognizing that there may be gaps and some of the programs that we deliver today, or there may be needs very unique to a geographical area, is how do we work with the utilities to hone in on those provide those opportunities to implement different programs that complement our province wide programs potentially foster further innovation in that regards, and help address those distribution system needs while still providing benefits to the bulk system or the grid level as well. So really focusing in on those two areas. So first of all, enhancing the province wide programs, but then also zooming down a bit and looking to say, how do we work together to be able to provide funding for local programs to help address distribution system needs that the grid level will also benefit with?   Trevor Freeman  28:37 Yeah, that's great to hear. And you answered my next question already, so that's fantastic, which was around the level of knowledge and understanding that the local utilities bring to the mix of specifically what's happening with our customers on the ground in specific areas, and being able to, like you said, build or design unique aspects of the incentive program that are really targeted at a specific need in an area. So for example, if we have a part of our distribution system that's particularly constrained, we may want to target programming in that area to achieve faster results, bigger results, whatever the case may be, or if there's a particular load type or load profile that we want to tackle in an area we can sort of work with, with the ISO, to design a program that's really going to target that need and benefit the distribution and the bulk system at the same time. So great to see that that's part of the mix.   Tam Wagner  29:39 Absolutely, I think the two other things, if I can add to that, is really focusing in on what the customer needs are. And to your point, Trevor around if there are different load types or different customer uses, and then a local distribution company's territory is this, how do we how do we tap into the. And learn about it, that it might be ahead of where the broader Ontario customer base is at, and so that can really foster that innovation, and then maybe spur on potential province wide programs in the future. The other thing I'd notice is that Ontario right now, we're summer peaking, and as I mentioned, our significant electricity load comes from air conditioning. And I think the stat is about a third of our load in the summer is actually attributed to air conditioning load when we do our planning outlooks. So, our annual planning outlook is 20 years out. Is what we're starting to see, is in the early 2030s Ontario becomes dual peaking. What that means is that we still have that summer peak, but we're starting to see the winter peak increase as well, recognizing that we've got over I think over 55 local distribution companies in the province. Some of those local distribution companies are actually winter peaking today. So are there ways for us to to look at what programs, what winter focused energy efficiency programs may be available. I don't want to say pilot those, but potentially launch some of those in those winter peaking utility areas, and again, for the ISO learnings associated with that, so that when the province more broadly becomes dual peaking is have some experience, have some data to inform what might work at the province flight level, to help us better plan and prepare for that future.   Trevor Freeman  31:26 And so, for our listeners, I think we've talked about this before, but as we electrify, especially space heating, we're going to start seeing that higher load in the winter. And you know, there's a way to do it more efficiently than not. So, making sure that we're looking at technology like heat pump and smart thermostats instead of baseboard heating and, you know, sort of more analog controls for that. So programs designed to address that would make a lot of sense, as you say, Tim and in those areas where we're already seeing a significant increase in the winter. So great to hear. Okay, so this seems like a good time to kind of dive into some of the specifics about the programs. We've been sort of talking high level. Let's, let's get into the details. So for residential customers, for folks out there that you know, own their home or rent a home and have a relationship with a landlord, what are some of the programs that are available to those customers to really address energy efficiency in their homes?   Tam Wagner  32:26 So, we've got two specific programs for broad residential consumers in Ontario, I mentioned our peak perks program, and with that, it's a demand response program that's targeted at that summer peak. So it's actually been a very wildly successful program. It's been in market. We're just approaching two years. It launched June of 2023 and what that program does is, if you have central air conditioning or a heat pump in your home that cools your home in the summer, and you have a smart thermostat, is what is by enrolling in the program, you get on immediate enrollment and acceptance into the program, you get a $75 prepaid MasterCard to participate. And participation in the program involves on those peak summer days. And usually, we see those peak days between the months of June and September, will make small, a small two degree adjustment in the temperature in your home and for no longer than a three hour period. And with that is, is that that does provide relief and flattens that peak in from a province wide level to help address what our system peaks are. So I'd mentioned that program has been really successful, so over just shy of two years, we've got over 230,000 poems enrolled in the program. And what we expect with that is just over 160 megawatts of peak demand reduction as a result. When we call on the program and it's quickly become the largest virtual power plant in Canada and one of the largest in North America. So, if you're a residential consumer, with central air conditioning or heat pump that close your home and a smart thermostat, definitely something to look into. One of the things I would really highlight about that program, because you might say, Okay, two degrees. How does how does that feel? Am I going to be uncomfortable, especially if it's a peak summer, what hot and humid day? We've been really mindful of the customers through the design of that program, so the customer is always in control when it comes to our peak perks program. If you're if you work from home, or are home during a day when we're calling a peak perks event and you're finding your home is getting a little bit warmer than you would like, you can always go to your thermostat and readjust the temperature setting back to your normal setting to for to maximize on, on your comfort at the same time is, is when we know we're calling event. What we'll do is this will pre cool your home in advance of the event. So I mentioned it's a three hour event where we where we increase the temperature in your home by two degrees. Is what we'll do is, is as long as there we're not. In a state of emergency in the provinces is will adjust the temperature in your home so it's actually cooler half an hour before the events will cool your home two degrees. And then when we actually call the peak perks event, raise it. I guess the difference would be four degrees. But again, trying to maintain that coolness in your home to maximize on customer comfort and and and help with that. The other program that we have for residential consumers, and was just launched earlier this year, it's our home renovation savings program. So with that, we deliver it in collaboration with Enbridge gas, and it offers rebates for energy efficient upgrades that you may be looking to do in your home. And some of the equipment that we include in that are heat pumps as well as smart thermostats and solar PV, rooftop solar PV as that, as well as battery, battery energy storage systems. And then also, we know that when it comes to your home, being able to retain or heat or cooling weatherization as well, so attic insulation or doors and windows as well. So rebates available for all of those if you're a homeowner in Ontario, great.   Trevor Freeman  36:07 You mentioned earlier that there are sort of income qualified programs or programs for folks living in social housing and First Nations. Can you shed a little bit of light on those specific aspects?   Tam Wagner  36:18 Yes, absolutely. So we've got, again, this the this programs in collaboration with Enbridge gas as well. So we've got the ISOs, the save on energy's energy affordability program, which is offered alongside with Enbridge gasses, winter proofing program, home winter proofing program, and that offers, again, the energy efficient upgrades to customers that are income qualified. So there are income qualifications, whether you're low or moderate income household in Ontario, and it provides you with energy efficient upgrades at no cost to you. So I would highly recommend going to the save on energy.ca website to see what those income qualifications are. It's all dependent on the number of people that live in the home, what the income thresholds are, and again, the all of these upgrades would be available to you at no cost to you at all. From a First Nations programming perspective, we've got two programs offered to First Nations community. We've got the First Nations community building retrofit program as well as the remote First Nations programs, and both of them help both businesses and residences of on reserve First Nations communities make energy efficiency upgrades, again, at no cost to the community or the community members.   Trevor Freeman  37:30 Great, so, really, anybody living in a residential home, there's something out there for you. So rebates to address energy efficient equipment or support from the Ieso to or your local distribution company. Okay, so let's shift over to commercial, industrial, institutional, kind of agriculture, all the other types of customers out there. What are the programs that are being offered, and how do they differ if they do differ from previous programs?   Tam Wagner  38:01 Maybe I'll start with the last part of their question. First, what I'd say specifically with the these businesses is we're even with a new framework. We're not with the old and in with the new. So everything that's been offered in the past is basically available to customers today when it comes to those business programs, and what we're really committed to is, how do we continue to improve the offerings that we have as new technologies or available or organizations are looking to improve some of the processes that might to help result in more efficient energy and usage. So we offer a range of business programs that provide different opportunities. And really our focus is, how do we meet the businesses where they're at based on the type of business that they are, but also where they are along their energy efficiency journey. So a couple of programs that I'll highlight is, is we've got our retrofit program, and that's really been our flagship program, and under the save on energy brand, and what that does, it provides an a la carte list of prescribed technologies with Dean savings that businesses can pick from. So if you're looking at making what upgrades to your heating, ventilation and air conditioning systems and stuff, you can go to our retrofit program, and what it provides you is a list of equipment that it provide indicates what the energy savings that the ISO can expect from it, but and then also provides you with what the incentives levels are for that. So really, that's, I'd say that's kind of the simple, simplest path. From a customer journey perspective, we also recognize that there's a different range of customers when we think about our business customers, and it's not a one size fits all. We also have a small business program that recognizes the unique nature of small businesses in Ontario, and that program offers energy efficient upgrades at no cost to those businesses, and it also provides additional support to install the equipment as well. And we know that it's not all about technologies as well. I've mentioned around sometimes with processes that you. May have within your organization, they can also yield energy savings. So our strategic energy management program is designed to help organizations improve their energy performance by implementing an integrated system of organizational practices, policies and processes to achieve some of these persistent energy savings so really, what I'd say to the businesses is reflecting on what, what the nature of your organization is, how your energy and usage is, is that there's a variety of different programs that hopefully can cater to your needs and check out the save on energy.ca website to find out more.   Trevor Freeman  40:34 Yeah, I think in my kind of review of it, there's, there's support for equipment and sort of technical solutions to address energy efficiency, and you put it very, very well, you know the process, the people side of things, if you need support, if you need guidance, expertise, there's also methods of support to help you access that, whether in your organization or through other means, so lots of different avenues to address energy efficiency in all types of buildings. So those are all existing buildings, which we know are certainly a major part of energy consumption today and emissions today. But we're also building new buildings constantly and constantly adding to our building stock. So what programs are out there to address new building construction and making sure that we're constructing energy efficient buildings that go beyond existing codes and standards?   Tam Wagner  41:33 So, what I'm saying, I'll say there is, we're working on it. So as part of our 2025 to 2027 plan, we have identified the need for a new construction program. We heard this through stakeholder feedback as well. When we did our midterm review back in 2022 we we heard from stakeholders that that's a gap in our programming, and so we're looking, we were looking to address that. That gap has, that has been identified. So right now my team is we're doing some market research, and in order to help inform what the design of a new construction program may look like, our commitment is, is, is, as we've got some of those that early thinking is, we will go out and stakeholder it and invite feedback and into how best to design that program. We know the we know the things we know. We know there are things that others have expertise in, and that that expertise would really be helpful to the ISO as we, as we design the program. So I'd say, stay tuned for that and continue to look at on our stakeholder engagement website for upcoming engagements, where we will seek some feedback and insights into that design of that program.   Trevor Freeman  42:36 Perfect, one last item is beneficial electrification. So we know that the government has kind of directed the ISO to look at how to support beneficial electrification. So maybe kind of two questions here, what is beneficial electrification, if you could kind of help define that for our listeners, and what, how are you looking to support beneficial electrification for customers.   Tam Wagner  43:01 Sure, so how we look at beneficial electrification is, is really around changing your the fuel source of your end use. And that's I could probably plain language that a little bit more and maybe, well, it's easiest to use an example and an example charter that you've actually highlighted is, is for a lot of Ontarians, is, is the way you heat your home isn't actually typically with electricity, and that with fuel switching or switching the source that you heat your home with is that you can yield and really electrifying that is as you can yield greenhouse gas emissions reductions as a result of that of electrification, when We think about it from a beneficial electrification perspective, is electrification perspective, is, is with as we, as we talked about the demand in Ontario increasing is, how can we leverage the way that customers may be electrifying their end uses to ensure that we're doing it in the most efficient manner that will not only yield benefits to the Customers, from a GHG emissions perspective and from an overall energy bills perspective, but also provide benefits to the electricity grid as well. And trying to, instead of hitting that 75% is, how do we actually electrify and and electrify at a rate that's actually less than that 75% would be the goal that we're looking at here with regards to how we're actually applying that is just earlier this month. So in earlier in May, we launched our first offering through the home renovation savings program for a beneficial electrification. And what that entails is for those customers in Ontario that are currently heated through oil, propane or wood heated customers, is we do have a heat pump offering to to support electrifying those end uses that will enable the those customers to be to reduce the GHG emissions in their home, and with that is also save money on their energy bills as well recognizing. A different cost in the electricity side, versus the oil or propane fuels costs.   Trevor Freeman  45:06 Yeah, I think it's, I mean, I'm someone who, obviously, folks that are listening know, I'm pretty passionate about climate change. And if, if your only lens is GHGs or greenhouse gas reduction, you know, you may jump at electrifying in any possible way, but that could be taking out your furnace and putting in electric resistance baseboard heating, which is not a very efficient way to heat your home, or not as efficient as you could be doing with, for example, a heat pump which is much more efficient, you get a lot more energy out than you put in. And I've preached a lot about heat pumps on this program before, but that's the concept behind beneficial electrification. Is doing that fuel switching, but doing it in a way that one doesn't overly stress the grid. Two, doesn't overly stress your own energy bills, because we don't want to push people into unaffordable energy. So making sure that there's support to do the right move in the right way. Tam, just to wrap up here, you've said it a couple of times, but I'll give you a chance to say one more time, where do folks go to find out more information about these programs, what they can access? How to get that support? Where should they go and look?   Tam Wagner  46:18 So our website is the best place to get that information. So it's saveonenergy.ca. Whether you're a residential, consumer or business, all the information is there. And we also have energy savings tips on our website. So again, that's Saveonenergy.ca.   Trevor Freeman  46:34 Perfect. And I'm going to selfishly add a little plug in there of you can also reach out to your local distribution company, especially if you're here in hydro Auto's territory, we would be happy to help you access these programs and point you in the right direction and make sure that you're getting the support that you need through these programs. Tam, thanks so much for walking through this new framework. It's super exciting. I mean, it's a little bit close to my heart. Again, I've been working in conservation for a while before I moved into my current role, I spent a lot of time in conservation, so it's great to hear about the evolution of the program and where it's going. I'm really excited that it's such an important piece of the planning mix that it's getting the sort of recognition and focus that it's due and really exciting to see how it goes in the next couple of years. So to wrap up, we always end our interviews with a series of questions. So as long as you're ready, Tim, I'm going to jump right in with the first question being, what is a movie or a show that you have watched or are currently watching that you think everybody should take a look at?   Tam Wagner  47:40 This takes away from the seriousness of the conversation that we've been having.   Trevor Freeman  47:44 That's the goal we're trying to focus here.   Tam Wagner  47:47 So for those who don't know me, is I've got, I do have two kids in a series that we're watching right now. Is the rookie. Have you watched that before? Trevor? I   Trevor Freeman  47:56 I haven't, no, but it's on the list. We've got a long list   Tam Wagner  47:58 That sounds like our household as as as well. And it's a fun time. It's, it's a series that we can we watch as a family. And it's, I feel like sometimes we, you know, we try to solve the crime before the show does. But it also has a really good story, kind of, the initial story around an individual who is, I'd say, later in his career, but had a moment where he explored a career shift. And for me, that message there is around like you're never too old to try something new and be successful in it. So I think that's a really good message for me myself, but also a good message for my kids.   Trevor Freeman  48:38 Yeah, very cool. I like that one. I'll have to bump that up on the list. We'll watch it sooner rather than later. If somebody offered you a free round trip flight anywhere in the world, carbon offset accounted for, of course, where would you go?   Tam Wagner  48:50 So I would go to Vietnam. So I am Vietnamese by background, born there, but I've lived in Canada for, oh, over 40 years, been back there a couple of times, and I've always loved it. It's a So, yes, back to kind of from a cultural roots perspective, there's just so much history there. It's a completely different climate from what we have here in Canada. The people are incredibly friendly, and the food is fantastic.   Trevor Freeman  49:21 I have a tiny, tiny sliver of experience, and can say that Vietnam I visited once, and was definitely on the top of my all time favorite trips for a number of different reasons. All the ones you just mentioned are certainly up there for sure. Who is someone that you admire.   Tam Wagner  49:37 And again, I'm going to cheat on this one a little bit, so because it will be fun, but my parents with them. So I'd mentioned were first generation immigrants, when I think about the things that they've done and to come to Canada, we came to Canada as refugees, so to leave a place that they were very comfortable in. Knew the culture. Knew the language to come to a country where completely different environment, completely different culture, had no family here, and their reason for doing it was so that myself and my brothers could have greater opportunities as a parent. I'd like to think that if I was faced with that, I would make the same decision. But until you're actually in those shoes, you never know whether you whether you would or not, so I am definitely very grateful for the decisions that they've made, because it's landed me where I am today, and are very appreciative of that. So very much admire them.   Trevor Freeman  50:32 Yeah, that's a fantastic story. Thanks for sharing that. Tim. Finally, what is something about the energy sector or its future that you're particularly excited about.   Tam Wagner  50:43 We're at a really unique spot right now in that we are very much building for the future, and not just our future or kids future. When we think about the electricity infrastructure, it's things, it's something that's going to be in place for the next 40 plus years. So being able to face that challenge to build something for the generations to come is very exciting for me. It's not just the what of it, but how we do it. As I touched on before around, we're greater than the sum of our parts. Is being able to do that in a way that we can collaborate with each other, really lean on each other's strengths, learn from each other, and then I think that foundational culture is the way that we'll be really successful and ensuring that we can have that reliable, affordable and sustainable electricity future. So excited about the challenge, but also even more excited about how we're going to face that challenge and work together to to to be successful.   Trevor Freeman  51:40 Yes, I love that, and I think that's a great place to wrap this up. I love that. And I say this often to folks like, I can't think of a better spot to be when I think about climate and energy and the energy transition than kind of in the electricity sector, thinking about how all roads, or at least most roads, to the things that we want to envision run through the electricity grid and all the different nuances of that. And you could go down endless paths of, how do we make sure that this is going to work, and how do we make sure it's going to be affordable and that people are going to have the power they need? So super glad to hear that you're excited about that and passionate about that, super glad that you're putting your efforts towards that. Thanks. For coming on and talking to us today and sort of sharing your expertise and wisdom around this pretty exciting new program that hopefully is going to be a major piece of our energy future here in Ontario, at least moving forward.   Tam Wagner  52:38 Thanks for having me. Really appreciated you taking the time and spending it with me as well Trevor.   Trevor Freeman  52:42 Fantastic Tam Wagner, thanks very much for coming on, and we'll chat again soon. Thanks for tuning in to another episode of The thinkenergy podcast. Don't forget to subscribe. Wherever you listen to podcasts, and it would be great if you could leave us a review. It really helps to spread the word. As always, we would love to hear from you, whether it's feedback, comments or an idea for a show or a guest, you can always reach us at thinkenergy@hydroottawa.com

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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.

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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.

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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.

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

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

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.

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