Podcasts about pay now

We all click "Pay Now" without a second thought...But behind that button lies a world of strategic decisions, clever tech, and real business impact.This you can find out from Theo Spyrides, Head of Product at Primer and host of the Payments Unfiltered podcast. With deep experience in simplifying complex payment flows, Theo shares how automation and smart design are reshaping the way companies handle transactions — and why it matters more than ever.Here's what to expect:– What really happens behind the scenes of that "Pay Now" button– How better payment experiences translate into business growth– The intersection of product design and fintech innovation– Advice for leaders looking to optimize their payment systemsHost: Agata Rączewska, Innovation Consultant & Client Partner at Netguru

Hour 1 1:12 - March Madness Is Here 9:29 - Ja'Marr Chase Resets the Market – Who's Next? 20:03 - Calls: Who's Next? The Future of $40M Non-QBs 28:29 - Pay Now or Pay the Price Later: Lessons from the Bengals

PhoneBoy talks about a paper written by Antoinette Hodes called Pay Now or Pay Later, understanding the costly consequences of neglecting OT/ICS Cybersecurity.https://www.checkpoint.com/solutions/iot-security/https://www.industrialcybersecuritypulse.com/facilities/throwback-attack-an-insider-releases-265000-gallons-of-sewage-on-the-maroochy-shire/

Ep. #135 Welcome back to another episode of Pursuit of Wellness. Today, Brett and Harry of The Meat Mafia join me to share their personal health journeys, shedding light on their experiences with autoimmune diseases and the challenges they faced along the way. They dive into the benefits and downsides of various diets, including the carnivore and animal-based diets, and how these have impacted their lives. They share their tips for sourcing quality meats, healthy snack recommendations, the importance of whole foods, and navigating the complexities of modern health culture. Brett and Harry discuss how healing involves more than just diet—it's about understanding your body, managing stress, and making informed choices. Plus, they explore unique health topics like the role of organ meats, the truth behind regenerative agriculture, and finding balance between health and indulgence. Leave Me a Message - click here! For Mari's Instagram click here! For Pursuit of Wellness Podcast's Instagram click here! For Mari's Newsletter click here! For Meat Mafia on X click here! For The Meat Mafia Podcast click here! For Meat Mafia on Instagram click here! For POW Brand Promo Codes click here! Sponsored By:  Today my listeners receive 20% OFF any AquaTru purifier! Just go to AquaTru.com/POW - that's AquaTru.com/POW and automatically receive 20% off any Aqua Tru water purifier.  That's 20% OFF any AquaTru water purifier when you go to AquaTru.com/POW So, if you want to take the next step in improving your health, go to lumen.me/POW to get 15% off your Lumen. That is lumen.me/POW for 15% off your purchase. Because you're a listener, Blissy is offering 60-nights risk-free PLUS an additional 30% off when you shop at Blissy.com/POWPOD. That's Blissy.com/POWPOD and use code POWPOD to get an additional 30% off! Your skin and hair will thank you! Show Links: Ep. #30 - Paul Saladino Pt. 1: Why Women Should Eat More Meat, Plant Toxicity, Failures of Western Medicine, Oatmeal is BS, Moldy Coffee, Raw Dairy, & more Ep. #31 - Paul Saladino Pt. 2 - Why Cholesterol is a Myth, Fruit Over Vegetables, Ghee & Tallow, Seed Oils, Animal-Based living, Anti-Aging Hacks Ep. #82 - Paul Saladino Pt. 3 - Optimizing Fertility, Cholesterol Truths, Creatine for Women & Weight Loss Ep. #38 - The Shocking Truth About The Chicken You're Eating, Grocery Label Lies, Pesticides & Soil Health, Recovering from Lyme Disease, How to Start Your Own Farm, And Raising Chickens with Farmer Paul Greive of PastureBird Ep. #3 - Liver King Gets Vulnerable: Steroid Use, Mental Health, Psychedelics & Healing From Trauma White Oaks Pasture PastureBird Topics Discussed 00:00:00 - Introduction  00:02:45 - Brett's health journey  00:10:35 - Meeting the criteria for Ulcerative Colitis 00:11:46 -Identifying with your diagnosis 00:15:58 - Harry's health journey 00:21:03 - Animal based diets 00:21:48 - Autoimmune Diseases and Stress 00:23:11 - Negative effects of the Carnivore Diet 00:24:25 - Healing journal and bodily intuition 00:26:01 - Blood work and animal based diets 00:27:48 - Where Brett and Harry source their meat 00:31:39 - White Oaks Pasture and regenerative agriculture 00:34:17 - PastureBird chicken and modern chicken  0036:30 - Food standards in Europe 00:37:43 - Ozempic and the issues with American health culture 00:39:15 - “Pay Now or Pay Later” and investing in yourself 00:40:57 - The importance of whole foods and sharing personal stories 00:42:02 - Organ Meat and Liver King 00:47:36 - On the go snack recommendations  00:50:10 - Caffeine monitoring 00:54:05 - Finding the balance with health and indulgence 00:55:23- Thoughts on raw dairy 00:58:02 - Understanding A2 01:01:05 - The origin of “Meat Mafia”

Big thank you to all of our Patreon supporters! Become a supporter of the show today at  https://www.patreon.com/rufftalkvrUse code RUFFSLAYER-8904FC for 10% off Silent Slayer: Vault of the Vampire on the Meta Quest!Store Link:https://www.meta.com/en-gb/experiences/5353670608005479/?utm_source=rufftalk&utm_medium=podcast&utm_campaign=rufftalk&utm_id=silentslayer&utm_term=summer&utm_content=promocodeOn this episode of the Ruff Talk VR podcast we have plenty of VR news to discuss! Including Into the Radius 2 coming to early access this month. A new upcoming VR multiplayer game from nDreams called "Frenzies". A new sale for the Meta Quest 3 as well as a "Pay Now, Play Later" system. We also talk some upcoming VR games, a Ruff Talk VR AMA this Friday July 19th at 4pm, nominations for the Podcast Awards, and more!Discord: https://discord.gg/9JTdCccucSPatreon: https://www.patreon.com/rufftalkvrTabor Radio: https://www.buzzsprout.com/2216985If you enjoy the podcast be sure to rate us 5 stars and subscribe! Join our official subreddit at https://www.reddit.com/r/RuffTalkVR/Patreon: https://www.patreon.com/rufftalkvr Send us a text to the Ruff Talk VR fan mail line!Support the Show.

Questa settimana parleremo di overtourism - anche se questo termine non mi piace ed è sempre più messo in discussione nel mondo dei professionisti del turismo!Parleremo di nuovi modi di prenotare online, in particolare il Pay Now & Buy Later, ma anche di TripAdvisor, che forse presto sarà venduta, verso un futuro che pare più incerto di quello di qualche anno fa.Parleremo dell'impatto e dei rischi dell'intelligenza artificiale nel settore del turismo, e dei grandi portali di prenotazioni online, con i loro investimenti crescenti nell'ambito del marketing per conquistarsi la fetta più grande di prenotazioni alberghiere.Sono Mirko Lalli e questo è Data Appeal Byte-sized Trends, il nuovo podcast dedicato all'evoluzione del mondo del turismo e a tutte le innovazioni tecnologiche che stanno trasformando il modo di viaggiare. Viaggiare a rate, pagaLe OTA aumentano del 20% gli investimenti marketing TripAdvisor ha perso appeal?L'overtourism colpisce anche il GiapponeVision on Tourism in Amsterdam 2035Airbnb, Uber, Booking, Hilton: The Risks That AI Pose on Business

If you're feeling not good enough or like you don't have what it takes to achieve your biggest goals and desires, this episode is just for you. When things get hard, it's so common to think “I'm not cut out for this”, when in reality it's just an opportunity to show your devotion to your dreams and a way for you to pay your dues now for an “ easier” tomorrow. This is such a powerful epi with so many perspective shifts and so many tokens of encouragement. You're doing amazing and I believe in you. . PRE ORDER MERCH HERE at https://www.bylivfiit.com/merch . SHOP STICKERS HERE // https://www.bylivfiit.com/shop THE LIVFIIT RETREAT IN BALI // https://trovatrip.com/trip/asia/bali/indonesia-with-olivia-catania-may-2024 . WATCH ON YOUTUBE // https://www.youtube.com/@livfiitlistens/videos . Today's Affirmation: “I know I have what it takes to keep working towards my dreams” . Timestamps 0:00 Gratitude and MERCH! 4:19 Epi Introduction 5:28 Doubtful Thoughts Aren't TRUTH 9:34 Failure is Apart of Success 12:00 Success is NOT Always Linear 14:08 You're Doing Amazing. 15:08 Don't Get Out of Line 17:44 Pay Now or Pay Later 25:00 Closing & Affy :) . BOOK A 1:1 CALL WITH ME // https://stan.store/Livfiit SUPPORT ME // https://linktr.ee/livfiit Shop EHP Labs // http://www.ehplabs.com/discount/livfiit10 code: "LIVFIIT10" to save & support Shop my favorite books here // https://www.amazon.com/shop/livfiit?listId=20MNY4GGY77KN *This is my affiliated Amazon Storefront. I do receive a small commission when you shop through this link.* . Youtube (@LIVFIIT) // https://www.youtube.com/c/Livfiit/videos Instagram (@LIVFIIT) // https://www.instagram.com/livfiit/?hl

Pastor Wee Yeong Eyou closes off the series with a message alternatively titled "Pay Now, Play After".

Whether you find yourself more inclined towards instant gratification or delayed gratification, this captivating episode will challenge your perspectives and encourage reflection. Join your boy as i dive deep into the profound implications of "Pay Now and Play Later" versus "Play Now and Pay Later," and discover the significance of mindful decision-making in shaping our lives.

Today, we're walking you through "The Smart Tax Roadmap" – six steps to building a tax-efficient retirement plan. Ultimately, we'll help show you how your different types of retirement income are taxed in different ways.Here's an overview of the steps:Master provisional incomeCategorize your money by tax impactOrder your income withdrawalsMeasure your tax bracket capacityDeciding "Pay Now vs Pay Later"A plan for ongoing managementWe hope you enjoy the show! Investment advisory services offered by duly registered individuals through CreativeOne Wealth, LLC a Registered Investment Advisor.  CreativeOne Wealth, LLC and MOKAN Wealth Management are unaffiliated entities.

In this episode of BRAVE, Jeremy Au and Shiyan Koh delve into F Prime's 2023 report on fintech, and also empowerment and gender equality for women on International Women's Day. They also discuss the rise of Pay Now and its impact on the payment industry, taking the lead over traditional players like MasterCard.  Check out F Prime's 2023 State of fintech report here.  “Intellectually, everybody knows what to do because there's so many substacks, and VC taught leadership what to do. It's either expense reduction, cost reduction, or revenue improvement. What's interesting is, people are looking for stories. It's more about the emotionality and not in a bad way, but at the end of the day, it's a human decision by the founder to change mindset, point of view, or optimism. People are looking for human stories. That's so important because that's what people are asking for.” - Jeremy Au “Product market fit means you aren't blowing yourself up with your underwriting when these books are starting to mature. In the early days, people often get really loose with their underwriting standards to show growth. When the market turns, that's when a lot of this stuff blows. At the end of the day, the capital efficiency piece is really important whether you are an investor or a founder. You are in the business of capital allocation and you need to be really honest about how effectively that capital is working for you.” - Shiyan Koh Read the transcript here at: https://www.bravesea.com/blog/silicon-valley-bank-implosion WhatsApp Daily Insight: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde Spotify: https://open.spotify.com/show/4TnqkaWpTT181lMA8xNu0T Youtube: https://www.youtube.com/@JeremyAu/featured Apple Podcasts: https://podcasts.apple.com/sg/podcast/brave-southeast-asia-tech-singapore-indonesia-vietnam/id1506890464 Tiktok: https://www.tiktok.com/@jeremyau?lang=en Instagram: https://www.instagram.com/jeremyauz/ Twitter: https://twitter.com/jeremyau Visit our community at:www.bravesea.com

In September 2021, the project to link the two fast payment systems was launched in order to make cross-border trade, travel, and remittances between the two countries faster, more effective, and transparent. In order to facilitate quicker remittances between the two nations at a competitive cost, Singapore's PayNow network and India's Unified Payments Interface (UPI), which has made it possible for speedy digital payments through applications, were connected. In the presence of the prime ministers of both nations, the new partnership was announced by the governor of the Reserve Bank of India, Shaktikanta Das, and the managing director of the Monetary Authority of Singapore (MAS), Ravi Menon. With the use of PayNow and the Unified Payments Interface (UPI), people of Singapore and India can now send money to each other immediately. In this episode I have covered : What is UPI And Pay Now ? What is UPI and Pay Now integration? How is this beneficial? The start of process Listen & enjoy ! --- For more details or questions visit my profile or ping me on : Website : www.abhisheksengupta.co.in Twitter : twitter.com/abhisheksengupt Facebook : www.facebook.com/abhisheksengupta2006 Instagram : www.instagram.com/abhisheksengupta2006 LinkedIn: www.linkedin.com/in/abhisheksengupta2006 Youtube: https://www.youtube.com/abhisheksengupta2006 Email : abhisheksengupta2006@gmail.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/abhisheksengupta/message

Proptech Pulse returns for 2023 with Seth Watts, the co-founder of CampaignAgent. The leader in Pay Now, Pay Later technology sits down with host Grace Ormsby to discuss his business's humble beginnings and its amplified role in a changing market. Seth shares how CampaignAgent manages the role it plays as an in-between for both consumers and agents and explains why it is important to help customers understand the market. In this episode, you will also hear: Why this market isn't like 2019 What CampaignAgent is focused on in 2023 What's next for the Buy-Now-Pay-Later space Make sure you never miss an episode by subscribing to us now on Apple Podcasts. Did you like this episode? Show your support by rating us or leaving a review on Apple Podcasts (REB Podcast Network) and by liking and following Real Estate Business on social media: Facebook, Twitter and LinkedIn. If you have any questions about what you heard today, any topics of interest you have in mind, or if you'd like to lend a voice to the show, email editor@realestatebusiness.com.au for more insights. 

Sembra che il governo abbia deciso di porre delle regole stringenti al settore "Pay Now, Buy Later", un settore che in pratica è una vera e propria linea di credito, ma che non è regolamentato come tale.

Everything in life revolves around this concept of Pay Now or Pay Later. The work you put in now will save you headache, expense, and more later. This applies to our classroom routines and procedures, as well as our health, marriage, finances…you get the idea. I once worked with a teacher who was frustrated that none of her choir students could read music. She could have changed the future if she had been willing to pay now (have the freshman use some class time to learn how to read music), but instead she payed later (they continued not to be able to read music, which took more time in rehearsal).   Some resources you may be interested in…   The Science of Sound, 8 lessons that can be used in class or online. Students make instruments from objects in their home and learn about how sound works.    Check Out “Why Don't They Teach That in School   My hope is that as a music teacher you are still performing! Whether you want to make some money performing or just need some other ideas on how to supplement your teaching income, here are 40 Ways To Make Money as a Musician   30 Days of Motivation   Have a question for the podcast? jamesthedivine@gmail.com or 719-238-4193.   Subscribe in iTunes    Multitude of links and resources here   Has the show benefited you? Would you consider a one time donation of any amount through Paypal (jamesthedivine@gmail.com)?

In this episode, we discuss the By Now, Pay Later options available to holiday shoppers and the risks they entail, Lebron James having 2 fans removed from the arena in Indianapolis after they allegedly made a controversial comment towards Lebron regarding his son, and the iconic television show, Soul Train, as its now been 50 years since it first aired. Time Stamps: 04:28 - The Bros discuss pros/cons of Buy Now, Pay Now options during Holiday season 33:21 - The Bros discuss fan misconduct with yet another NBA courtside encounter 55:40 - The Bros discuss the cultural significance of Soul Train 1:11:40 - BROS Outro Connect with us (#IfYouLikeUsWhyWouldntYou) Website: www.calparkbros.com Email: calparkbros@gmail.com Voicemail: 405-877-BROS Facebook: www.facebook.com/calparkbros Instagram: www.instagram.com/calparkbros TikTok: www.tiktok.com/@calparkbros Twitter: www.twitter.com/calparkbros YouTube: www.youtube.com/channel/UCKZaT2rVYiLKXQAbAxYoF4Q --- Send in a voice message: https://anchor.fm/calparkbros/message

The 360 Diaspora Experience Podcast Episode 9: Estate Planning Part III - The Cost, Pay Now or Pay Later Host: Keji Ogunleye - Real Estate Agent | Investor | Business Coach Guest: Suren G. Adams - Owner, Adams Law Office, LLC   Produced By: Elite Conversations Podcast Media https://eliteconversations.com/mypodcast.html

Your 60-second money minute. Today’s topic: FTC Crackdown on Pay Now, Make Money Later Scams Learn more about your ad choices. Visit megaphone.fm/adchoices

Crowdfunding Advisory Services “CAS” https://outlook.office365.com/owa/calendar/MKGEnterprisesCorp@NETORG446830.onmicrosoft.com/bookings/ (Click here to schedule a free consultation) MKG Tax Consultants provides startup crowdfunding advisory services to meet the SEC Eligibility Requirements for Form CF submissions to regulated funding portals for issuer offering or selling securities in reliance on the exemption in Securities Act Section 4(a)(6) and in accordance with Section 4A and Regulation Crowdfunding (§ 227.100 et seq.) https://mkgtaxconsultants.com (https://mkgtaxconsultants.com) One of the biggest changes the SEC has implemented is the legality of “finders” receiving commissions or payments for brokering deals and introducing investors to issuers, syndicators, developers, etc. Before this change, only broker-dealers were allowed to receive compensation for such deals. With the new changes, these finders can now legally receive these commissions and other transaction-based compensation from issuers. The ability to legally monetize your connections is something many have been waiting for for quite a long time! Exempt private offerings have traditionally served an important role in providing capital for smaller and medium-sized companies, often along their path to the public markets. https://docs.google.com/spreadsheets/d/1fOOpLFvBbX9ppaBgIAddhhx1tH9PXOKllVM0AyojRHw/edit?usp=drivesdk (Overview of Amended Capital-Raising Exemptions) Tax, Accounting, Audit, Assurance and Advisory Service . Advisory & EDGAR Filer Service Drafting SEC Form C, D “Test filing” Unaudited consolidated financial statements prepared in accordance with U.S. generally accepted accounting principles (U.S. GAAP) Annual Report Disclosure Requirements Account reconciliation Financial data for the prior two fiscal years (including total Assets, Cash and cash equivalents, Accounts receivable, Short-term debt, Long -term debt, Revenues/sales, Cost of goods sold, Taxes paid and net income, Forecast reports Initial Consultation Fee $360 USD https://apps.veem.com/CustomerApp/Pay/mkgenterprisescorp (Pay Now) Crowdfunding Advisory Services $3,000 USD https://apps.veem.com/CustomerApp/Pay/mkgenterprisescorp (Pay Now) " Benefits" Save time and money by streamlining financials “Exempt Offering” registration, reducing overhead CPA audit cost to facilitate access to capital investments. Reg CF will increase from current limits 1.07M to 5M Regulation A Crowdfunding will increase from 50M to 75M  Outsourced CFO Services includes the following: https://mkgtaxconsultants.com/outsourced-cfo-services/outsourced-cfo-service-fee-schedule/ (Outsourced CFO Service Fee Schedule) Bookkeeping Accounts Receivable Accounts Payable Cash Management Cash Flow Projections Real-Time Financial Reporting Unlimited Phone & Email Support 30 day Free Accounting Software to meet your business needs QuickBooks, Xero, Cloud Accounting Document Management (CRM Integration. Reports And Dashboards) Review Reports Bill Pay Invoicing 24 Hour turn around Regulation D Form Document Prep Subscription Agreement Document Prep Investor Questionnaire Document Prep https://shareasale.com/r.cfm?b=745570&u=1962749&m=53954&urllink=&afftrack= (Form an LLC for $0! Plus State filing fees) Our Crowdfunding Advisory Service Startup plan is a great option for a startups, emerging growth companies raising capital the first time, tier 2 finders Assisting Small Businesses with Capital Raising or a “SMB's” Small Midsized Business who just needs their bookkeeping managed for them. The Complete Package is for the mature business who is taking things to the next level and ready to file for a Form CF or Regulation D Offering 505,504,506, Pre-IPO or Reg A+ Offering. You don't want to have to worry about this...

This Podcast Is Episode Number 0395, And It's About Eight Things Your Construction Invoice Needs To Get Paid Faster Without proper tracking and matching of income and expenses, most construction companies never know if they made a profit until the job is over. Due to your work's nature, as construction contractors provide services on a per-job operation, issuing invoices make it all the more challenging and complicated than it has to be. The good news is that it doesn't have to stay that way.    What should you include on your invoices to get paid faster? Even if you've been running your business for a while, you might be missing other information that you should include. So here is a step-by-step guide on what to include on your invoices.   1. Make your invoice look professional. Add your logo and use professional fonts, styling, and colors that complement your brand. Modern accounting software platforms allow you to set up invoice templates, saving you reinventing the wheel each time.  2. Label your invoice clearly. Make sure that you display the word 'invoice' clearly at the top of the document. If relevant, it may also need the terms "tax invoice." It should also have a unique identification number for your records. You need to have a reference for all your invoices and make sure that there are no duplicates. For the identification number, you can use a sequence that gradually increases and add letters before the number to indicate a specific client. Again, most modern accounting software platforms will do this automatically, but it pays to check you've got it set up correctly.  3. Add company information. Add the details of your construction company and the company or client you're invoicing. This includes: your company's name, address, and contact information your customer's company name and address, including a contact's name to ensure that it reaches the right person (if you're invoicing another company) your customer's name, address, and contact number (if you're invoicing an individual) your registered office address and company registration number (if you're a limited company) 4. Write a clear description of the products or services. The description of the products or services that you're charging for doesn't have to be extended. However, it would help if you made sure that it is detailed enough for your client to know what they're paying for. Aside from the description, you should also indicate the quantity and the price. 5. Add important dates. You should add the date you provided the product or service (supply date) and the date you created the invoice. Add the invoice date at the top of the document together with your name/ company name, address, and contact details. Meanwhile, the supply date could be added together with the description of what services you provided. 6. Add up the costs. Aside from indicating the individual service's cost and the description, you also have to put the total amount that must be paid. If you've agreed to give a discount or there's a special promo, you must also clearly indicate it on the invoice and subtract it from the total. If applicable, you must include the V.A.T. amount on your invoice too. 7. Indicate payment terms. Although you likely have agreed on specific payment terms with the client beforehand, it is still recommended to note the terms on the invoice.  For instance, if you expect to get paid within a certain number of days, you can remind the customer by adding this information to the invoice. Furthermore, you should note how exactly the client makes the payment. Add your bank details or other payment information. 8. Add payment options. Online invoices on modern platforms allow you to include payment options to help you get paid faster. Adding a "Pay Now" button that allows your customers to pay immediately via credit card, debit card, or automated clearinghouses like PayPal and Stripe is proven to speed up the payment process. Want money in your bank quicker? It's a no brainer! Final thoughts There are many accounting and invoicing software platforms and invoice templates out there that you can use. As a reminder, billing your clients depends on your signed contract, and sending invoices is based on this agreement's details. To help with invoicing, Contractor Payment Application is also available in our store. Helping Contractors around the world is one of the reasons we added the Fast Easy Accounting Store.com. Follow our blogs and listen to Contractor Success M.A.P. Podcast. We Appreciate Our Visitors, Listeners, and Subscribers. – Thank You! Please feel free to download all the Free Forms and Resources that you find useful for your business.   We are here to Help "A Little or A Lot," depending on your needs. About The Author: Sharie DeHart, QPA is the co-founder of Business Consulting And Accounting in Lynnwood, Washington. She is the leading expert in managing outsourced construction bookkeeping and accounting services companies and cash management accounting for small construction companies across the USA. She encourages Contractors and Construction Company Owners to stay current on their tax obligations and offers insights on how to manage the remaining cash flow to operate and grow their construction company sales and profits so they can put more money in the bank. Call 1-800-361-1770 or sharie@fasteasyaccounting.com

Jim & Craig from The Dive Line interview Mathilde from Adelaar Cruises. Their liveaboard operates in the whole Indonesian Archipelago - from Bali to Flores and the Banda Sea. They talk about exhibiting at Scuba.Digital 2020, their itineraries, and marine conservation trips. Mathilde also discusses the COVID-19 guidelines and policies and reveals their special offers for the virtual dive show - including the brand-new Pay Now, Cruise Later campaign!

“To not say anything is out of integrity.” -David Wood   In this episode, Jay talks to David Wood, CEO at Tough Conversations International and Play For Real, High-Performance Coach, Expert on tough conversations, and Author of Get Paid For Who You Are. Jay and David discuss: how to artfully navigate through tough conversations, speak your truth, discern things out of your values, deal with integrity leaks with kindness, be transparent, and so much more...   Visit https://jayrooke.com/097-David-Wood/  for resources and show notes.    Check out my website: https://jayrooke.com/    Follow me on: Facebook LinkedIn Twitter   Episode Highlights: 02:18 Day-to-Day Tough Conversations 08:12 What Does Integrity Mean For You 17:50 What Are Tough Conversations  23:08 Pay Now or Pay Later  26:22 What’s Considered As A Nitpick 29:39 Create An Impact When You Speak Up  39:19 Be Transparent

On this episode, Lamb is flying solo but is joined at the tail end of the show by Chat Sports' Hannah Kulik to talk about the NBA Free agency Period! Free Agency Takeaways, Odds shifting tell the story of where players will be going, Contracts now becoming "Pay Now, Worry Later" The Nets Paying a BIG Tax for 3 Years of KD & So much more! Be sure to follow our guest Hannah on Twitter @hannah_kulik & on Instagram @HannahroseKulik Follow us @VeteransMinimum on Twitter & Instagram @TheLambShow

Pay Now or Pay Later Preached by Ben Kolars

For those of you who didn't make it to Money20/20 and want to hear the latest on The Clearing House's Real Time Payments Network (RTP), take a listen to this update conversation with Steve Ledford, SVP at The Clearing House for the RTP Network.    A year ago, The Clearing House got out of the gate with its Real Time Payments Network, a wholly new payments system based on the push payment model.    A lot has changed - more banks have integrated into the system and many more are in process. By the end of June 2019, over 3,000 FIs are expected to connect to RTP, most via their bank processor. B2B payments are taking place over RTP between known parties.   RTP Characteristics   Not All Things   TCH is not attempting to provide everything necessary for a ubiquitous push payment system. It relies on its FI participants and their processors to expose RTP capabilities to their customers. RTP hopesto have bank-friendly fintech partners use its rails through the traditional model that gives the new provider access to bank rails via a sponsor bank.    Thus far, TCH has also steered clear of a native directory service, a necessary feature for broad use in P2P and C2B payments. Given the partial ownership overlap with Zelle's Early Warning Services parent banks and The Clearing House, no one will be shocked if Zelle becomes RTP's lead P2P directory provider. For that matter, few will be surprised when Zelle shifts to RTP for settlement. Of course, at least one business-facing directories will be needed for bill payments to take off.   It's Taking a Lot of Work   Connecting up a financial institution to the RTP Network requires deep integration into the FI’s core system, the software responsible for managing debits and credits. Connecting bank ledgers to any payment system is non-trivial, a fact that impacts how fast banks implement new payment rails like RTP.   Tell Me All About the Payment   A feature of the RTP network that holds enormous promise is its native use of the ISO 20022 messaging format. The standard's flexible and structured qualities--not an oxymoron--provide a major leap in data carrying capability. By representing the payment meta data, for example, ISO 20022 can support invoice information, letters of credit, and other business documents. Accounts receivable and accounts payable systems from multiple vendors will be able to communicate directly, reducing manual data input and data entry errors.   The RTP Push   In the U.S., we are accustomed to pull payment systems. We think nothing of giving our bank account information when we hand over a check or our card data when we hand our card to a merchant. We’re telling the payees where to go get their money so it can be pulled into their account.   RTP and Zelle are both push payment systems. Such systems are characterized by near instant funds availability to the recipient, messaging to send and receiver, and irrevocable payments. That last is very different from the chargeback protections U.S. cardholders, in particular, enjoy. While Reg E applies to the sender's transaction account, accountholder protections will also be prescribed by the FI.   To emulate some push payment attributes, RTP and most other immediate funds transfer systems offer a Request for Payment message type that essentially sends an instant invoice to the payer. The customer may press a Pay Now button that uses the Request for Payment Message on her screen. She then uses bank account credentials to authorize the payment. There may even be a redirect to the bank site. It's a flexible solution applicable to multiple use cases and payment initiation methods like embedded links and QR codes.   Instant Clearing and Settlement   The RTP switch runs software built by Mastercard's Vocalink unit, builder of the now 10 year old Faster Payments system in the UK. The RTP code base, however, is a new version, with native ISO 20022 messaging and an instant clearing and settlement system. That system uses a single, pre-funded account at the Federal Reserve common to all participating financial institutions. A separate ledger operated by TCH is the single source of truth, keeping track of the transfer of ownership of those pre-funded monies. Separate accounts, for each FI at the settlement bank, aren't necessary. So, instant clearing, no batch-based settlement. Lower risk, simpler management.    Competition?   If you've attended a Glenbrook Payments Boot Camp in the last couple of years, you know RTP and Zelle have some overlapping capabilities. Zelle, however, is targeted at P2P and C2B uses cases. RTP is a set of payment rails open to whatever use cases come along. In the short term, think B2B and payroll but there's no inherent limit to where it can go. Just don't expect it to take over POS payments any time soon. The UK's Faster Payments rails have operated for a decade and have barely touched merchant POS payments.   Another fact boot camp attendees know is that there are two ACH operators in the US: The Clearing House and the Fed. The Fed is now floating the idea of operating an RTP analog of its own. Smaller Fish may be glad to see the Fed operate an alternate system. We'll touch on that more later but the Fed will have a lot of selling to do because, at the very least, adding a new set of rails requires a lot of integration effort by financial institutions and their processors.   And I thought the U.S. payments landscape was settling down. Hah!   

No matter what you call it, the principle of trading off doing what's hard NOW to reap the benefits of something easier down the road is stated over and over . Maxwell says it like this: Pay Now, Play Later. Because if you don't, you'll Play Now and Pay Later. And the “Pay Later” is a much BIGGER pay than paying now...

This is a longer conversation with Ifini Sheppard about many topics - her personal story, Rastafiri way of life, levity of food, Sevananda - a wonderful local natural food market in Atlanta, its offerings and what sets it apart, complete with tips on conscious cost-effective food shopping. We will start with Ifini. Born in Washington, D.C., and moving to Atlanta as a teenager, Ifini Sheppard considers herself a true ATLien. Learning about healthy living, from the Rastafarian influence of ITAL livity, she has been a vegetarian for almost 30 years and a vegan for over ten. Some people consider her the “vegan food police” because of her passion for sharing with others the knowledge about a healthier way of eating. During the course of her many years in Atlanta, she often shopped at Sevananda and grew to love the iconic Co-Op, of course becoming a member owner. In March of 2010 she was hired as a cashier and went on to work the Customer Service Desk. When a position in the Marketing Department became available, she applied and the rest is history. Sistar Ifini was an Assistant in Sevananda’s Marketing Department, however, recently her job title changed to “Community Relations/Education Liaison” and among her varied duties, she coordinates Outreach, Store Demos, the “Be The Change” Program and the Artist Alliance Program. Her topic is “Pay Now or Pay Later ~ Conscious Grocery Shopping on a Budget”. As a single mother raising 3 children, Sistar Ifini learned how to shop healthy on a limited budget. She shares her knowledge of what to look for when shopping at regular grocery stores, as well as specialty markets like Sevananda. With an emphasis on reading food labels and what to be aware of regarding conscious food choices, this is a really informative and engaging conversation. Some of the tips Ifini suggests: Cook your own food! Stock up, shop in bulk Buy in season and freeze/store if needed Meal plan Use your left overs and use them later Do not shop when your are hungry! Sevananda is a wonderful Natural Foods Market in Atlanta. It is a co-op, they offer classes, host event and are very picky about what foods make their way in to the store. Here are a few words from their website: http://www.sevananda.coop Since 1974, our consumer-owned natural foods market, has provided quality whole foods to shoppers and members in Atlanta and surrounding cities throughout Georgia. Our fresh market is owned and operated by our members and provides a natural source of healthy, local, and organic foods to the local community. Sevananda is proud to support local farmers and businesses by selling local organic food, including seasonal produce, natural groceries, bulk herbs and spices, and other specialty health and wellness products in high demand. Offering locally grown foods allows us to live up to the commitment of our triple bottom line philosophy of economic, environmental, and social responsibility. By supporting our local community, we help to reduce the environmental impact of product transportation and provides our members and shoppers with the option of fresh, organic produce that is grown within 150 miles of our store, as well as many other natural foods, supplements, and health products.If you’re looking for the best in whole and natural foods, vitamins and supplements, you’ve come to the right place.

Today we're talking with Nick Disabato of Draft, a small interaction design consultancy in Chicago. His previous clients include Gravitytank, New Music USA, Chicago Magazine, The Wirecutter, and too many other attractive, intelligent people to count. We spent quite a bit of time talking about his work designing a delightful user experience for Cards Against Humanity. We discuss... Cards Against Humanity marketing strategy Split-testing Conversion rate optimization And more Links: Cards Against Humanity - http://cardsagainsthumanity.com/ Cadence & Slang - http://cadence.cc/ Draft: Revise - https://draft.nu/revise/ Nick's newsletter - http://eepurl.com/vqJgv Visual Website Optimizer - https://vwo.com/ PS: Be sure to subscribe to the podcast via iTunes and write a review. iTunes is all about reviews! Transcript Recording: This is the Unofficial Shopify Podcast with Kurt Elster and Paul Reda, your resources for growing your Shopify business, sponsored by Ethercycle. Kurt: Welcome to the Unofficial Shoplift Podcast. I'm your host, Kurt Elster and with me today is Nick Disabato from Draft. Nick, how are you doing? Nick: Doing fantastic. How are you, man? Kurt: I'm well. Where are you at? Nick: I live and work in Logan Square, a neighborhood in Chicago and have been here for the past seven years. I've been independent for the past 3-1/2. Kurt: That's good. I'm about right miles from you in Park Ridge. It's funny we're doing this over Skype but we're like a bus ride apart. Nick: We are. We're probably a short L ride apart. Kurt: Tell me, who's Nick D? Nick: Nick D is me as I exist on the Internet and I run a small design consultancy called Draft as you mentioned and we do a lot of things. I publish books. I do monthly A/B testing for people. I run the world's stupidest newsletter but what I think we're here to be talking about is my one-off interaction design product, just more typical client work, more consulting work. I've done it for a variety of e-commerce clients and solved a lot of really interesting problems for both mobile and desktop and I think about these sorts of things a lot. That's kind of ... Kurt: For the lay person, what's interaction design? Nick: Interaction design, it's the process of making something easier to use and it involves hacking out the layout and behavior of a product. That can range from prototyping something and running it by users to see how they enjoy using it or whether they're successful at completing goals within it. It can range from promoting certain design decisions and hacking out functionality. It can involve figuring out edge cases like if you type in a really long response that doesn't belong in a certain form field, what happens? If you click here, what happens? It's figuring out to choose your own adventure capacity of going through a technology product of any type. I've worked... Kurt: It sounds like you're a problem solver for your clients. Give me a good example of a problem you solved with interaction design. Nick: We'll talk about e-commerce stuff. One of my biggest clients over the past few years was a board game company called Cards Against Humanity. Kurt: I dearly love Cards Against Humanity. Tell us about it. Nick: For your audience, if you do not know Cards Against Humanity, it's similar to a card game called Apples to Apples where I'm a person judging a card and everybody else plays another card only it's usually quite inappropriate. You have weird poop jokes or [scathalogical 00:03:03] things. Kurt: The favorite combo I ever got, the winning combo I ever got out of Cards Against Humanity, I will never forget. It was "Santa gives the bad children genital piercings." That was genius. Nick: My personal favorite is 'What's the last thing Michael Jackson thought about before he died?' and somebody played Michael Jackson. Kurt: That one is layers on layers. Nick: Oh my God, I still think about it. It's amazing. I've worked with them to define all of the layout and behavior for their e-commerce system. They now have, in addition to Amazon, you can buy stuff directly through them. You go through and they run through Stripe. It's not through Shopify but it's entirely independent and entirely custom. What they wanted was something that worked pretty well on mobile and they wanted something that was a little more unconventional to fit their business's needs. Cards Against Humanity, for those of you who don't know, they're a relatively unconventional business just in terms of their tone and in the way that they carry themselves and the way that they deal with their customers. Kurt: That has totally differentiated and set them apart. Nick: Yes. I think a large part of Cards Against Humanity's success is their marketing and their outreach. They do a terrific job of both of those but they do a very ... Kurt: I've seen their marketing and it's amazing. They do one-off promo cards. I've got their House of Cards promo set that they did co-branding with Netflix. What kind of outreach do they do? Nick: They do a lot of ... They'll reply to people on Twitter. They'll follow along with people's activity. They'll pay attention to what people are talking about and they'll try and be a little bit proactive about it. As far as their site is concerned, their tone is very distinctive. It's ... Kurt: Absolutely, it irreverent. Nick: Yes, it's irreverent. It's a little bit standoffish, a little bit jerk but fun jerk. It's like [inaudible 00:05:09]. Kurt: Yeah. You love them for being mean to you. It's like Ed Debevic's.. Nick: [Crosstalk 00:05:10]. Yeah, it is like Ed Debevic's a little bit which is a diner in Chicago that ... Kurt: Right, [inaudible 00:05:15]. Nick: It's definitely one of those things where they own their voice and they know how to do it. If you go through the prompts on their Website, if you go to ... I believe it's store.cardsagainsthumanity.com. You can go there and buy stuff and they ask you what country you're from right away. We can go to a UX teardown of why that is but I'll give you the high level. They go to country [crosstalk 00:05:40] right away. Kurt: I'm already there. Nick: If you choose I live in the rest of the world like not US or Canada or UK or something like that, they'll be like, "Begone foul foreigner" or something like that." They'll just make fun of you. "Send us an e-mail for when Cards Against Humanity is available in your inferior country" or something like that. They're just totally blanked up. UI Copy was definitely an enormous component of it. It's part of why I'm getting to this because I wrote a fair amount of the UI copy that is still on there right now. Another thing that you'll see on the page if you go through it while you're listening to this podcast is you'll see a row of information at the top of it. You'll go and buy something, you'll hit Pay Now and you'll see country recipient, e-mail and shipping and what it says is ... It says USA. It'll try and geolocate you and then it'll say, "Not right." You can tap back to that and two things are happening there. You can edit your order as you're going and it reads the order back to you. One thing that you see in Shopify in particular or in e-commerce in general like Amazon or anything like that, it reads your order back to you before you hit Place Order. That's an extra click that you don't necessarily need because you could get this kind of inline feedback. There's no reason why you couldn't get inline feedback. I built the interaction model to fit that and people liked it. There were two things that people called out – the way that the feedback was being read back to you and the way that it was auto-correcting as it goes. If you type in your zip code, it autocorrects to your city and state and is usually accurate. That's pretty cool and it does have for both USPS and Canada Post. It requests little information from you, moves you through the process as fast as possible at the minimum of clicks. I wrote a book that called about interaction cycle, Cadence & Slang. One of the things I say is reduce the number of steps to complete a task. I tried to make this kind of exemplar of that principle by making it as efficient as humanly possible. The other thing that people talk about is when you actually go buy something, which I see you're tapping through that right now, Kurt, that I would ... Once you finish the transaction it says, "Now, go outside" and makes fun of you about the fact that you're on the Internet and it links ... Kurt: It shames you for your order. Nick: It already has your address and if you click "Now, go outside," it searches on Google Maps for parks near you. Kurt: [Crosstalk 00:08:07]. This is incredibly clever stuff. Nick: It's thinking like, okay, I'm on a computer and I'm refreshing it whenever an expansion comes out or I'm doing all these other things and it just wants ... It's like, "Oh, by the way, you're on the Internet. Now, you don't have to be on the Internet anymore. You gave us money. Just go away." That's most of the design decisions behind this. I feel like a lot of people just reinvent the wheel with e-commerce. They want to do something safe. One of the great things with Cards Against Humanity is they don't want safe. They don't care. They want to get the orders okay but if you're messing it up, it's not their fault. It's your fault for this particular organization. [Crosstalk 00:08:56]. Kurt: Yeah, like the whole ... the entire experience ... Like it's easy to use and it's great but at the same time the game ... It starts with a product. You've got this incredibly irreverent game and then that gets extended to the messaging and the copy and the positioning. Then amazingly where everyone else would have stopped, they moved it into the actual user interface. The interaction itself is irreverent. Nick: There are a couple of people at Cards that handle a goodly amount of the logistics in getting the cards printed and shipped and everything. To use a developer term, they are a full-stack operation. They deal with the printer. They deal with Amazon. They deal with the warehouse. They want to build a vertically-integrated system for [crosstalk 00:09:40]. Kurt: I was going to say that sounds like a vertical integration. Nick: They're a good enough business and are popular enough that they can get away with it. They could ... If I did that ... Kurt: It's a great product. People love it. It's a catch-22. People love it because of these irreverent decisions but at the same time, are they able to make those irreverent decisions because people love it? It's like where do you start with that? Nick: I would be putting words in their mouth but I suspect it's kind of a feedback loop. They make these decisions and they realize they're getting rewarded for it by having more business and so, they end up making more irreverent decisions in more irreverent ways. Kurt: Why, yes. You're right. It does. It rewards itself. Anyone could start trying this and if it doesn't work out, you shouldn't do it. Nick: Yeah. I run a large part of my design practice as A/B testing. You could build this and run half of your users through it and if your conversion rate drops, either try and tweak it or throw it away. That way you're not losing an insane amount of sales on your testing idea. You're vetting whether it works for you. I suspect at least certain conceits of these like auto-complete and providing this feedback. I don't see any personal reason why that couldn't exist in other e-commerce context. I really don't. Kurt: Yeah, absolutely. You mentioned split testing. Tell us briefly, what is split testing? Nick: It's essentially you have an idea and rather than fighting about it internally about whether it's a good idea, you let people decide and you're letting real customers decide. This can be anything. This can be a call to action button. This can be a headline. This can be a person on your homepage selling the thing. It can be whether a video autoplays or not. It can be any design decision you want and you have a control page which is your original page. You send that by 50% of your users and then the other goes to the other 50%, whatever you're varying and you're measuring success in sales, signups for your mailing lists, whatever have you. It can be anything that you want. Kurt: As long as it's a measurable goal. Nick: You have a goal, right. You can do this with multiple variations. Most of my A/B tests are in fact A-B-C-D-E tests where I'm vetting many different variations of something and many different permutations of something and testing it with real-life people. It reduces risk because you're running many variants. You're optimizing the page slowly and you're throwing away what doesn't work and learning what does work and where you want to be putting more of your efforts. Even a failure, which is a plurality of your tests are failures or inconclusive, you're still learning where you don't want to be putting your efforts, like you don't need to be fighting over that link, that sort of thing. I always try and frame it in a very positive way. Kurt: It's interesting. The way you brought it up is you don't have to fight about it internally. It's a great way to talk about it because in our design practice that's generally how I bring up the idea of split testing is when the client pushes back on something or they attribute some loss in sales to a change and I say, "Actually, we don't have to guess about it. We could split test it and know for certain." It's usually how I introduce that concept. Nick: Yes. Kurt: As soon as you say, "We can know for sure and we can know scientifically," then people become very interested in it. What's your favorite tool for split testing? Nick: I give all of my clients ... I have a monthly A/B testing tool or a service called Draft Revise where you pay me a certain amount every month and I run tests for you and write up reports and that's it. You never have to worry about the practice of doing this. I use something called Visual Website Optimizer. It shortens to VWO. You can go to vwo.com. For a few of my clients, I use something called Optimizely, if you go to optimizely.com. Both of those are terrific. They have very small differences at this point. It's like Canon and Nikon. They're just snipping at each other and it's making both of them much better. Kurt: I've used them. I've personally used VWO. I really liked it. I used the Google split testing tool. That thing's a nightmare. Nick: Yeah, it's changey. I would pay the money for V. If you have enough scale to get statistical validity out of the A/B tests which typically you need at least 3,000 or 4,000 [uniques 00:13:53 ] a month to be doing that for whatever goal you're measuring, usually it's more, you're probably making enough money that you can afford Visual Website Optimizer, no question or Optimizely. Don't do the free Google stuff. It just sucks. Kurt: The amount of time I wasted messing with that wasn't worth it. VWO is so much easier. Nick: Yeah, don't bother. Kurt: The support is really good. I'm not condemning Optimizely. I've literally just never used Optimizely. That's a good way to get into it for our listeners. If it's confusing or they don't want to deal with it, your service is great. I've seen the reports you run and I'm not even plugging it. It's just genuinely good stuff that you do. Nick: Thank you. It's one of those things where a lot of people don't know how to start and they don't know how to do it and I have two different offerings. One of them is a one-off like I give you a guide and I give you a lot of suggestions for what you can test and what you can change things to, things that I would change. You're getting a UX teardown and a write-up of how to put into practice but I find that a handful of those come back to me and they're like, "Can you just do this for us?" Kurt: Essentially, what you've said to them is like, "Here's a plan for immediate success based on my vast experience and you could do whatever you want with it." I imagine a lot of people are going to be, "All right, fine. You know what you're doing. You just take care of those for me." Nick: Yeah, and they're already used to paying me and I give them a discount on their first month. If they pay me $900 for Revise Express Report and then they sign up for a 2000-dollar plan for Draft Revise, you're paying only $1,100 for the first month which at that point you're not getting charged twice. You're able to hit the ground running. I signed up a Revise Express client recently for Draft Revise and it's been going well. We went from not having anything together to contract signed and A/B tests running on their site in three days because I already knew it. Kurt: That's good. Nick: I wrapped my head around it. It was great. Kurt: When you're wrapping your head around it, how do you approach optimizing a site? Nick: It depends on the site. Let's say it's like a typical SaaS business. I look at the things that I know changing them will yield a lot of fruit and that can be common elements to optimize like your headline or your call to action or testimonial quotes, stuff like that which is very optimizing 101 type stuff. Or I'd look at things that I see are clearly bad like if you have an e-mail list signup form and the button says Submit. Unless you are [crosstalk 00:16:39]. Kurt: I look for the stuff that just like, "This is painful. This goes against every best practice. Let's fix this first and get our baseline back to zero." Nick: Yeah. I break things into two categories. One of them is one-off design changes which are beyond the need for testing. Things like if you make your button Submit. Unless you're an S&M site, you have no business making your buttons Submit, all these other things. Then I also look at things and suggest "Let's test this because I'm not sure." The difference between those two is confidence. I'm still changing things. I'm changing elements on the page but I'm not fully confident that changing your headline to this one thing is going to speak to your customers effectively especially because I've been working with you for only three days if I'm doing these teardowns. It's very like intuition at that point. I will check everything within ... If you're a SaaS business, call your conversion funnel like your homepage to your pricing page to your signup page to your onboarding to all that and then you get converted from a trial into a paying customer eventually. There are a bunch of pages that you have to go through in that flow to actually figure that out. I try and vet all of those and figure out if I were building your site and figuring out your marketing page and trying to figure out a really good way to speak to people, would I do this? I bring in my experience working with dozens of SaaS businesses and e-commerce sites to bear on that and eight years of interaction design experience. That's often something that they can't get internally because I don't know any actual fulltime UX employees who've worked for as many individual clients as I have. Kurt: They couldn't possibly. Earlier you had mentioned to me the other day that you're working on something with Harper Reed. Nick: Yeah. I did it for six weeks. It was a one-off project with Harper Reed. For those who don't know, he elected the president at the beginning of ... starting at the beginning of last ... No, two years ago. It was 2012. Kurt: The way I view it is Harper Reed personally defeated Mitt Romney. Nick: His tech team certainly did. He built the team that ... It almost feels like that. If you read the teardowns of it, they're amazing but he has a startup now which is essentially a mobile e-commerce startup called Modest. It's at modest.com and first project that he did was a storefront for a toy and game manufacturer called [Choonimals 00:19:04], if you go to Choonimals Website. He's a friend of mine. He works and lives in Chicago. He works in Fulton Market. They had me come on and just be another pair of eyes on their UX. They already had a lot of interesting UX ideas there. I'm not going to take remote amount of credit for some of the most novel and fascinating parts of it but I agree with the conceit. A lot of the things were already coming together like scanning your credit card with the iPhone's camera is one of them and Uber does that. There's a JavaScript library called card.io that lets you do that where it just turns on your flashlight and lets you take a photo of your credit card and it scans your number in so you don't have to manually type it and reduce the error [inaudible 00:19:52]. He has a thing where you can buy stuff and it's basically buy with one touch and then if you ... You get a grace period where you could undo that. You can un-buy something and then ... Kurt: The easier you make something to buy, if people aren't used to that standard yet, I think there is a lot of that ... I wouldn't call it cognitive dissonance. Nick: I think you're just thrown off expectations-wise. There's a mismatch. Kurt: Yeah. Or it becomes too easy and suddenly, it's frightening. You have to have that grace period, that undo. Nick: I did not come up with these ideas to be clear. I helped refine them and offer my own ideas about them which is just like fit and finish. The idea of un-buying, you might tap something and it says Buy. It's very clear you're buying something but you don't even get an undo button in the app store if you buy something. You tap it on your iPhone. Kurt: Yeah. I bought a lot of silly things. I wish there was an undo button in the app store. Nick: I don't let myself check the app store while I'm drunk anymore because I just threw up and buy some 30-dollar application that's just ill-advised but this is like they're not going to ... It's a physical good usually. They're not going to ship it for another day at least or five hours if it's [overnighted 00:21:08] or something like that. At which point, you have a chance to take back that notion and edit your order. You barely get the chance to edit your order or merge orders on Amazon as it stands. Kurt: With Amazon, it's a scam. You could cancel an order while it's in progress but once you put cancel, it says, "We're going to try to cancel it" and it's like less than 50% of the time that it actually manages to cancel it. Nick: Right and if you're Prime, they probably already have it sent on a drone to you so you don't even know. It's one of those things where it just seems obvious that you should have an undo button when you're buying something. Kurt: Absolutely. You've got a lot of experience with this. Give me one tip for – obviously this is tough because it's general – one tip for an e-commerce store owner who's looking to grow the revenue. Nick: I'm going to drill down into this tip. You need to make it as easy for the person to buy the thing as possible and easy for them to back out of it and so, cutting down the number of steps. If you're asking for any extraneous information, if you are deliberately asking for both billing and shipping address, if you're splitting the person's name into three different fields, if you're not supporting auto-complete, those are all different forms of the same problem which is you're making the person enter more data than is necessary. Make the person input les data. Nobody likes to fill out a form. You don't want to feel like you're in a doctor's office buying a product. That's the one tip that I've got. Kurt: I guess it's pretty common with Shopify store owners. They want to do less work personally. They want like or go, "Can you make it ask them X, Y and Z thing?" and we'd say, "Sure, we could build out these product options for your products." Then when we do it, their conversion rate plummets and they're like, "Why did that happen?" Well, because you just made it really hard to buy from you. Nick: Yeah. Doing this auto-complete ... Going back to Cards Against Humanity, doing the auto-complete for your address and address validation and making it as fast as it is on that site is tremendously difficult. It is not easy programming to be putting in. Doing this focus is really hard but their sales bear out how they're doing. It justifies that decision. It almost says the amount of work that you put into the site and making it smarter, making the defaults easier and making it easier for the person, that's hard work but it directly connects to your conversion rate and if you're delighted about it ... I can't tell you how many positive twits happened when the first storefront came out that talked explicitly about the user experience and shared that out. It said, "Oh, you have to buy something." Who says "Oh, you have to buy something" about an e-commerce store? Kurt: You have to experience this. Nick: You have to experience getting sent to a park nearby you. That's very unexpected. Kurt: People are just ignoring the product itself. They'll just buy it for the sake of the purchasing experience. Nick: Right. Kurt: People don't think ... They would never think twice about someone making the interior of a retail store nice, making it easy to buy something there but as soon as it comes to e-commerce, then suddenly it's like the strange thing that no one wants to spend money on. Nick: It's funny because Apple's retail stores are beautiful and amazing and their UX is incredible. If you go in person, they swipe your card there in front of the computer and somebody walks the computer out to you and ... Kurt: Have you ever paid with cash in the Apple store? Nick: I have not. Kurt: It's same deal but the cash register is hidden inside one of the display tables. Just like the face of the table pops open. The cash box was in there the whole time. It's clearly on remote. They still use their iPhone and then the thing pops open. Nick: Right. Their UX is amazing but I bought an iPhone. I bought the new iPhone from the Apple store online the other day. Kurt: Did you go with the 6 or the 6-plus? Nick: I have 6. Kurt: You don't have monster gorilla paws is what you're telling me. Nick: No, I have normal human being hands and I don't need a Phablet. I have an iPad Mini. Anyway, I was going on it and I was on the Website, not the app just to be clear. I think the app is better but it was not fun. It sucked. It was really flunky and weird and it could be better. You're selling ... You're the biggest company in the world. You can fix that. Kurt: I noticed that they do one clever thing. You can choose multiple payment methods. I don't think I've seen that anywhere else. Nick: Amazon ... Kurt: If you were to max out your credit card and then finish up with a second credit card, they will let you do that. Nick: Or if you have one of those crappy gift cards that you get from the grocery store, like somebody gives you 100-dollar gift card and you have 18 cents left on it and you feel bad wasting that 18 cents, you could put that on the card. Kurt: You could do it. Nick: Right. That's edge [casey 00:25:58], feasible. Kurt: That's an argument I have with people is about edge cases where it's like, okay, we could fix this problem that one of 100 people have but what's that impact on the other 99 out of 100 people? I think Apple has walked themselves into that. Nick: Yeah. They can accommodate edge cases. I know that Amazon used to accommodate that sort of edge case and then they got rid of it for whatever reason. They probably saw that it wasn't diminishing returns or something but anyway. Kurt: That's a thing you could split test. Nick: Right, yeah. I'm sure Amazon does. Amazon A/B tests everything. I get bucketed into A/B tester of their pages all the time. I find it redesigns itself and I refresh it and it goes away [crosstalk 00:26:42]. Kurt: Or open an incognito window and it's a different site. Yeah, I've had that happen. Nick: Yeah. Kurt: If I wanted to learn more from you, the best way would be to do what? Nick: You should subscribe to my mailing list because it's funny. Kurt: I subscribe to it. I enjoy it, lots of good Chicago references in there. Nick: There are a lot of good Chicago ... Kurt: Like the hotdog story. Nick: There was a story ... It's a dog stand that's very popular here. It's closing this week. That is a very good way to get to know me as a person. If you want to know more about interaction design, I would go to cadence.cc which is my book, Cadence & Slang, and grab a copy. It is generally considered one of the more important texts on interaction design by people far more famous and important than me which is terrifying. Kurt: I have read it. It is genuinely good. Nick: Awesome, thank you. That's the best way to get to understand the kind of stuff that I'm talking about with e-commerce. It's applicable to any technological project but the ultimate goal is just to make things more efficient and pleasurable to use. Kurt: Fantastic. That's great. Thank you, Nick. Thank you for joining us and have a great day. Nick: Thank you so much. Take care.

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NYT bestselling author, speaker, and pastor John Maxwell returns to the show to discuss the number 1 rule of his 15 Laws of Growth.Source:  John C. Maxwell - Laws of GrowthConnect with John C. Maxwell: Website: https://johnmaxwellteam.comInstagram: johnmaxwellteamYouTube: Maxwell LeadershipBook: The 15 Invaluable Laws of Growth: Live Them and Reach Your PotentialPodcast: Maxwell Leadership PodcastPrevious Episodes:465 | John Maxwell: "Pay Now, Play Later."295 | John C. Maxwell: "You Got To Ask."Hosted by Malikee Josephs (Pronounced Muh leek Jo seffs) Let's Connect: (I Personally Respond, The Real Me)  Follow Me On Instagram @DepressionDetoxShow.Email me: mj@depressiondetoxshow.comSupport The Show: Donate