Podcasts about payments

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

(00:00-28:56) To lease or to buy? So boring. They don't hit much. Gotta do something with this current playoff format. Stop it, Doug. The Matthew Liberatore starts are starting to become problematic. We don't support Kroenke-owned businesses. No chests unpoked. Are we getting worried about them getting to 69 wins? The July goodbye. Mike is on hold and wants to talk leasing cars. Mike was too mature for us. Tamm Ave. Capital Partners getting into cars and gambling.(29:04-51:30) Papers in the lab during the break working on a remix. Oli Marmol talking about LIberatore's performance. Liberatore talking about the loss and his outing. Maybe Libby would make a good relief pitcher. Trying to find just one play to hit it big so Doug can get out of the business. The dark web. TMA University with utter heartbreak last night in the Natty. Jackson's strained forearm. Yell leaders.(51:40-1:17:41) Doug featuring Notorious B.I.G. Jeff Passan's thoughts when asked about a salary cap being implemented for next season. Owners thinking there may be no games next season. Players don't wanna be the generation to go back on what generations before fought for. What's the most damaging work stoppage/strike that the guys remember? How would a work stoppage affect St. Louis? Jackson's play-by-play future. Why did Doug have to dig his feet in like that?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Peter Earle traces how the word "trillion" entered the economic lexicon in 1981 when the U.S. passed $1 trillion in public debt. Today, the U.S. national debt approaches $40 trillion, with annual interest payments exceeding $1 trillion. Unlike 19th-century millionaires who faced high risks, modern trillion-dollar figures are often a product of government monetary expansion. We have entered "Trillionstan," where massive quantities of money are common, yet their long-term significance is often overlooked by the public. (5)1945 USS PUGET SOUND

Most buyers are not actually waiting for a lower mortgage rate.They are waiting for a monthly payment they can afford. In this episode, Tim and Julie Harris explain how real estate agents can help buyers and sellers think beyond the advertised interest rate. They break down permanent mortgage rate buydowns, temporary 2-1 buydowns, seller concessions, adjustable-rate mortgages, builder incentives, refinance strategies, and assumable loans. You will learn why negotiating the cost of financing can be more effective than negotiating only the purchase price, how listing agents can compete with new-construction incentives, and why automatically reducing the price may not be the seller's best option. Tim and Julie also discuss the true cost of waiting, the questions buyers should ask before choosing a mortgage, and how an existing low-rate assumable loan can become one of the strongest marketing features of a listing. The episode concludes with a look at the Dorado Beach Insider book and how agents can build a long-term authority brand around a specific neighborhood or community. This is the kind of practical financing and career training real estate agents need to navigate the 2026 market, create more opportunities, and build a business that does not depend on perfect market conditions. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

If you've ever wondered why you can be disciplined in every area of your life except with food, this episode is for you.In today's episode, I challenge one of the biggest myths surrounding binge eating and food addiction and share a perspective that completely changed my own recovery after decades of struggle. If you've been relying on willpower, meal plans, or self-control but still find yourself caught in the cycle of overeating, you'll discover why lasting freedom requires a different approach.Whether you're struggling with binge eating, emotional eating, compulsive overeating, food addiction, or constant food thoughts, this conversation will leave you feeling hopeful and remind you that recovery is possible.If you're ready to stop fighting food and start building real, lasting freedom, this episode is one you won't want to miss.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Advertising SponsorThis episode is brought to you by Arcadia Green Coffee, Colombian coffee exporters taking fresh green coffee from Colombia to the world, farm to roastery, direct. New office now open in the UK.Instagram: https://www.instagram.com/arcadiagreencoffee/WhatsApp: https://wa.me/353877871523Episode DescriptionThis is episode 2 of a five-part solo series of The Daily Coffee Pro Podcast by Map It Forward titled Saying the Quiet Parts Out Loud.In this episode, podcast host Lee Safar addresses one of the coffee industry's most persistent open secrets: businesses routinely fail to pay their suppliers on time.Payment terms are not suggestions. When a supplier gives a café, roaster, importer or buyer seven, fourteen or thirty days to pay an invoice, that deadline forms part of the commercial agreement. But throughout the coffee supply chain, businesses frequently delay payment because they do not have enough cash available when the bill becomes due.Lee explains how this behaviour moves through the industry. Cafés delay paying roasters, milk suppliers, bakers and produce distributors. Roasters delay paying importers or producers. Importers carrying unpaid invoices may then struggle to pay exporters and farmers. One business's cash-flow problem quickly becomes somebody else's financial risk.The episode examines why this keeps happening. Many coffee businesses use most of their available capital on fit-outs, equipment, design, branding and opening expenses, then begin trading with little money left to cover ongoing operations. They expect revenue to arrive quickly, but when opening hype disappears and sales settle into reality, there may not be enough cash to pay every supplier.Some businesses then begin moving between suppliers. Once one supplier restricts their account or demands cash on delivery, the business opens an account elsewhere while leaving the original debt unpaid. This is not always driven by deliberate dishonesty, but the impact on suppliers can be severe regardless of the intention.Lee argues that the problem is rooted in fragile business models, razor-thin margins and a culture of competing through price. Businesses undercut competitors, give away equipment, chase volume and rely on future growth to compensate for work that is already unprofitable.The result is an industry built like a city of houses of cards. Rising coffee prices, labour costs, rent, logistics, foreign exchange pressure and declining consumer purchasing power are now shaking those businesses at the same time.When a café eventually closes, the consequences do not end with the owner. Employees may lose their jobs and wages without warning. Suppliers may never recover what they are owed. Roasters lose customers, importers lose volume and producers lose future demand.This episode is not about shaming business owners who are struggling. It is a warning about what happens when businesses open without enough operating capital, price irresponsibly and treat suppliers as an involuntary source of finance.Lee encourages struggling owners to confront the situation early, seek a responsible recovery plan and, where recovery is no longer possible, close with dignity rather than transferring the cost of failure to employees and suppliers.Connect with Lee Safar here:https://www.linkedin.com/in/leesafar/ https://www.instagram.com/leesafar If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. ***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

After waiting too long to pay his restaurant bill, Aman Narang thought there had to be a better way. His first idea—a mobile payment app—flopped.But that failure revealed a much bigger opportunity.Restaurants were struggling with outdated software that many owners hated. Payment systems were expensive, unreliable, and trapped on servers hidden in back offices. Replacing them cost time and money.But that's exactly what Aman and his co-founders set out to do: create an entirely new POS system for restaurants—from scratch.They worked from an unfinished basement, answered customer calls on their own phones, crashed their first restaurant on day one, survived years of rejection from investors—and eventually grew Toast into a business that generates more than $2 billion in annual revenue.In this episode, Aman shares how a failed product became a billion-dollar company.What you'll learn:How to know when it's time to pivotWhy investors rejected Toast again and againHow to convince customers to replace mission-critical softwareWhy Toast intentionally stayed small before scalingThe leadership lesson Aman learned after almost breaking the companyHow Toast survived COVID after restaurants shut downWhat founders should look for when choosing a co-founderTimestamps:11:25 — The frustrating restaurant experience that inspires Toast15:41 — The first product fails—and reveals a bigger opportunity16:43 — Building Toast: “We grossly underappreciated what it would take.”26:05 — Why nearly every investor said “No.”32:31 — Toast's disastrous first launch: writing credit card numbers by hand34:18 — Pitching hundreds of restaurant owners before finding believers38:08 — Why customer obsession beats competitor obsession44:17 — Bringing in a new CEO: “We need to rethink how we do things here.” 52:31 — The biggest lessons from building a $2 billion companyThis episode was produced by Sam Paulson with music by Ramtin Arablouei. It was edited by Neva Grant with research help from Casey Herman. Our engineer was Kwesi Lee.Follow How I Built This:Instagram → @howibuiltthisX → @HowIBuiltThisFacebook → How I Built ThisFollow Guy Raz:Instagram → @guy.razYouTube → guy_razX → @guyrazSubstack → guyraz.substack.comWebsite → guyraz.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sam Lyman is the head of research at the Bitcoin Policy Institute and formerly was a senior advisor and speechwriter for Treasury Secretary Bessent. In Sam's first appearance on the show, he discusses Secretary Bessent's secret skill, the competition in the digital payments space between the US and China, why the strategic Bitcoin reserve is important, what the future of Bitcoin holds, where things stand with the CLARITY Act, the Q Day conundrum, whether Satoshi Yakamoto is alive or dead, where Sam thinks the anti-AI sentiment is coming from, and much more. Watch the full length video on our new YouTube Channel! Check out the transcript for this week's episode, now with links. Recorded on May 21st, 2026 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David on X: @DavidBeckworth Follow Sam on X: @SamLyman33 Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Timestamps 00:00:00 - Intro 00:00:49 - Sam's Career 00:05:37 - Nation-States and Digital Payments 00:14:40 - Strategic Bitcoin Reserve 00:18:29 - Future of Bitcoin 00:24:27 - Bitcoin vs. Dollar-Based Stablecoins 00:38:32 - Update on the CLARITY Act 00:44:48 - Quantum Computing 00:49:34 - Satoshi Yakamoto 00:52:20 - Foreign Campaign Against AI 00:57:44 - Outro

Mark Wendland, Chairman and CEO of Canton Strategic Holdings, joined me to discuss how the company is leveraging Canton Coin and supporting the Canton Network to accelerate institutional blockchain adoption.Topics: - Institutional blockchain adoption - Canton Strategic Holdings and Canton Network ecosystem - Tokenized asset vs Traditional asset marketsBrought to you by - Learn about iTrustCapital's powerful Premium Custody Account (PCA) and tax-advantaged Crypto IRA platforms https://www.itrustcapital.com/go/thinkingcrypto iTrustCapital Representative: R.Rankin@itrustcapital.com 

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://geni.us/Shop-Ware-Free-MonthTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, David & Lucas are joined by Brett Beitler to discuss the challenges and rewards of leadership in both family entertainment centers and the auto repair industry. Brett shares his experience in turning around struggling businesses, highlighting the importance of strong leadership, employee empowerment, and cultivating a culture of unreasonable hospitality. The conversation also explores the differences in leadership needs between industries, emphasizing the value of coaching, communication, and continuous personal growth for business success.00:00 Setting up automatic audio switching09:40 Inspiration to join preschool industry10:28 Expanding business in Houston16:37 Forming a Leadership Partnership23:16 Improving airport bathroom satisfaction27:04 Issues with Accountant and Bookkeeping35:00 Dealing with customer feedback40:18 Finding the Right Coaching Clients43:05 Practicing effective leadership skills53:33 Teaching Leadership to the Next Generation58:29 Empowerment in the Workplace01:01:37 Keeping up with rapid tech changes

What if the emotions you've been trying to escape are actually pointing you toward lasting recovery?In this episode of the Food Freedom Podcast, I explore the connection between emotions, food addiction, binge eating, emotional eating, and disordered eating. If you've ever turned to food to cope with stress, loneliness, anxiety, or overwhelm, this conversation will encourage you to see your emotions through a completely different lens.You'll walk away with a fresh perspective that can help you strengthen your recovery, quiet food noise, and build a healthier relationship with both your emotions and food.Whether you're recovering from food addiction, binge eating disorder, compulsive overeating, or emotional eating, this episode will leave you feeling empowered to keep moving toward true food freedom.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Payments look like pure software until you move countries, get hit with fraud, or watch a “guaranteed” settlement date slip. That's where the real story starts, and it's why I loved talking with Kristin Reischel, Senior Director of Solutions and Partner Marketing at Rapyd, for our Women Leaders in Payments Month series sponsored by Payroc.Kristin shares a refreshingly honest career path: Boulder, Colorado roots, a fine art degree, a pivot into computer science, then early years at IBM where every hour was billable and accountability was immediate. From there, she follows what energizes her most, working closer to customers, shaping stories, and eventually landing in payment product marketing. We talk about what product marketing means in fintech and how it connects product teams, partners, and real business needs, from local payment methods to faster money movement.Our theme is “the future is human,” and Kristin makes it real. Automation, AI, and embedded payments keep expanding, but trust is still built by people who test systems, respond when things break, and make judgment calls when fraud and risk show up. She also unpacks the cultural side of global payments, comparing credit habits in the US with the UK's banking realities, Germany's cash preference, and the mobile payments leadership seen across Africa and parts of Southeast Asia.We close with what she's watching next: stablecoins, crypto adoption on familiar card rails, and the convergence of AI with agentic commerce and microtransactions. If you care about the future of payments, fintech trust, and practical leadership lessons, this conversation delivers. 

In this episode of the Cannabis Accounting Podcast, host Raymond Guns sits down with Don Raleigh III, Revenue Operations Manager at Evolve Payment and award-winning payments and AR compliance leader, to pull back the curtain on what's actually happening with cannabis payment compliance right now — and why most operators are more exposed than they realize.Don talks about:

Three companies thought they had security under control. They were wrong, and it cost them. A hacker is selling 35 gigabytes of Accenture's code, 80% of restaurants were breached while feeling secure, and a defense contractor paid the government half a million dollars without ever being hacked. *What you claim about your security is now what you'll answer for.* Bryan Hornung, Randy Bryan, and Reginald Andre break down this week's stories for executives and owners who can't afford to be blindsided. Accenture confirmed a breach after a hacker named "888" started selling 35 gigabytes of its source code and cloud access keys. The company called it isolated and fixed but didn't say how it happened or if client data was touched. When a firm this connected leaks its keys, its customers inherit that risk. Restaurants often assume they're too small to matter. A new VikingCloud report found 94% of restaurant leaders felt confident they could stop an attack, yet 80% were breached anyway. Payment data, payroll, and passwords were exposed, and 30% reported AI deepfakes impersonating executives to approve fake payments. Confidence isn't a control. An Alabama defense contractor, LOGZONE, paid over 507,000 dollars to the Justice Department with no breach at all. They claimed a perfect security score of 110; an audit found the real number was negative 170. The government turned that false claim into a penalty, and every form you sign is now a legal statement. Support the show: buymeacoffee.com/securitysquawk Subscribe | Like | Share #SecuritySquawk #CyberSecurity #Accenture #DataBreach #VendorRisk #Restaurants #VikingCloud #DOJ #Compliance #FalseClaimsAct #SMB #BusinessRisk

Vertical SaaS providers are integrating payments to expand revenue and reduce churn by delivering software and money movement in a single workflow. Companies such as Toast, Lightspeed Commerce, Mindbody, and ServiceTitan use embedded processing to deepen adoption and streamline onboarding. Platforms choose among referral, facilitator, or hybrid models, partnering with processors such as Stripe, Adyen, Worldpay, Fiserv, Global Payments, and PayPal Braintree, and using tools like Stripe Connect and Adyen for Platforms. Greater control can improve margins but requires capabilities in KYC, PCI DSS, fraud, and chargeback management in coordination with sponsor banks. Integrated payments improve merchant onboarding, payouts, and reconciliation, and enable features like instant payouts and installments through partners. Founders should roll out payments in phases, track attach rates and risk costs, and revisit build versus partner decisions as volume grows.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Electricity and money go hand-in-hand. Every house needs power, and everything costs money. So how do you balance the two in the midst of a Cost of Living Crisis? And what should you keep an eye out for that might impact the number on your energy bills? Harbour Asset Management Co-CEO Andrew Bascand & Harbour Asset Management Senior Manager Sue Walker join Tim Beveridge on Smart Money. LISTEN ABOVESee omnystudio.com/listener for privacy information.

An L.A. nonprofit is helping ICE detainees learn how to challenge their cases. Why a new way to soften the blow of large rent hikes didn't hold up in court. We have the backstory on LAUSD's budget crisis. Plus, more from Evening Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comSupport the show: https://laist.com

My Husband's Secret Payments Destroyed the Life I Thought We HadBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.

Thomas Savidge explains how the 2020–2021 pandemic strained state unemployment insurance systems. While 31 states were solvent before the crisis, many struggled with improper payments and fraud due to relaxed federal eligibility requirements. Some states fared better by taking the initiative to end bonus programs early. (15)1585

Getting paid on a government construction contract is where most new contractors get stuck, and it usually is not about the work, it is about how you structure your billing. In this episode, Eric Coffie walks through the schedule of values line by line and shows exactly how to break a project into phases so cash flows in before the job is done. If you have ever wondered how you actually invoice the government without waiting a full year to see a dollar, this one solves it. How the schedule of values lets you bill by percentage of work completed instead of waiting for the full contract to finish Why you break a project into trades and divisions like demolition, fire suppression, and engineering to control your own cash flow The real answer on getting money upfront for bonding and mobilization, and why it does not work the way beginners expect How Eric uses a separate line item for engineering and design to legitimately invoice early once the government approves the work How to use the CSI construction divisions one through sixteen as a ready made template for your billing breakdown EPISODE CHAPTERS: 0:00 - Sponsor intro and finding federal opportunities 0:48 - Schedule of values explained for construction contracts 2:31 - Breaking down scope of work into values  4:37 - Dividing a project by construction trades 7:53 - Who to invoice and when you bill 8:49 - Getting money upfront through the engineering line item Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

In this episode of the Merchant Sales Podcast, James sits down with payments industry veteran and consultant Ken Musante to explore how the payments ecosystem is evolving. From processor cost structures and software platforms to reseller programs, integrated banking, AI, and the growing influence of companies like Square, Stripe, and Clover, they discuss the trends reshaping the industry and what they mean for ISOs, agents, and payment providers. The conversation also covers the importance of specialization, continuous education, and choosing the right technology stack to stay competitive as software, payments, and banking become increasingly interconnected. Plus, Patti Murphy's Today in Payments segment breaks down Stripe's reported interest in PayPal, Fiserv's debit networks, Cash App's multi-state settlement, and Square's latest AI-powered commerce initiatives.

It's a busy St. Louis Morning Brief. New records show Cori Bush's campaign has paid husband Courtney Merritt roughly $120,000 since 2022, including payments once flagged in a prior ethics complaint, while questions linger over funds allegedly funneled from a tornado relief charity. St. Louis County's new police chief lays out his priorities, including filling 100 vacant positions, boosting visible patrols, cracking down on the minor curfew, and reevaluating a juvenile point system critics say lets young car thieves walk free. Elsewhere, a local nonprofit rolls out a Peace on Wheels van to counsel gun violence victims, and Senator Josh Hawley calls out the Postmaster General's offer of a facility tour as a photo op instead of real answers on St. Louis's mail delays. The Marc Cox Morning Show keeps its eye on accountability, common-sense policing, and government waste, all before Jim Carafano and Congressman Bob Onder join in the next hour. Hashtags: #StLouisMorningBrief #CoriBush #JoshHawley #StLouisCounty #PublicSafety #JuvenileJustice #GunViolence #GovernmentAccountability #MissouriPolitics #CommonSensePolicing #ConservativeTalk #FaithFamilyFreedom

Hour 2 keeps the pressure on accountability and truth-telling. The show opens with outrage that ABC, NBC, and CBS refused to air President Trump's election integrity address, even as newly released FBI files detail a pay-to-play voter fraud scheme in Muskegon, Michigan. The St. Louis Morning Brief digs into fresh questions about Congresswoman Cori Bush's campaign payments to her husband, a new County police chief's plan to fill 100 vacant positions and crack down on the minor curfew, and Senator Josh Hawley's fight for answers on St. Louis mail delays. Business news with Nicole Murray covers a rocky market, local restaurant news, and the Taco Bell lettuce outbreak, sandwiched around a sobering look at more than 100 House Democrats voting to cut off funding to Israel. In Other News closes things out with some much-needed levity before Jim Carafano and Congressman Bob Onder take the mic. Faith, family, freedom, and a free press that still tells the truth, that's the mission this hour on The Marc Cox Morning Show. Hour Hashtags: #StLouisMorningBrief #CoriBush #JoshHawley #MediaBias #DemocratsAgainstIsrael #MichiganVoterFraud #InOtherNews #ConservativeTalk #FaithFamilyFreedom #MarcCoxMorningShow #MissouriPolitics Guest List, Hour 2: Nicole Murray — Business Update (market report, local business news, Taco Bell lettuce outbreak)

If you've ever wondered why you can stay on track for a while, only to find yourself right back in the cycle of overeating, emotional eating, or binge eating, this episode is for you.In today's conversation, I'm talking about one of the biggest missing pieces in food addiction recovery. If you've been relying on diets, calorie counting, or willpower but still feel like food has more control over you than you'd like, there's another way forward.Join me as we explore what it really takes to build lasting food freedom, quiet the constant mental battle with food, and create a peaceful relationship with eating that doesn't depend on perfection.Whether you're struggling with food addiction, binge eating, emotional eating, compulsive overeating, or chronic dieting, this episode will leave you feeling hopeful and ready for your next step in recovery.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Payments don't fail as an abstract metric. They fail for a freelancer waiting to get paid, a small business trying to accept the locally normal method, or a customer who gets told “we don't support how you pay.” That's why our conversation with Clarice Lehman, Alternative Payments Operations Lead at DLocal, keeps landing on one theme: the future of payments has to stay human, even as the industry gets more automated, embedded, and AI-driven. We start with Clarice's journey from Uruguay to fintech, including a pivotal dinner-party moment that redirected her MBA path to MIT, followed by consulting at BCG, and a return to DLocal to lead strategy and operations across alternative payment methods. We unpack what “APMs” really include (instant payments, wallets, cash-based options, BNPL operations, card-present initiatives, and crypto operations) and why delivering a consistent cross-border payments experience is hard when every market's infrastructure looks different underneath. Then we get practical about leadership and trust: why smarter systems can't mean more exclusion, what transparency should look like when AI makes decisions, and why reliability and accountability are non-negotiable when downtime or a wrong decline hits. Clarice also shares the trend she's most excited about: AI-driven credit and underwriting using alternative data, and how that can expand access to capital for consumers and SMBs that traditional credit bureaus overlook. If you care about emerging markets, payments strategy, fintech leadership, and building products that actually include people, this one is for you. 

Never reveal your monthly budget when buying a car. Discover why focusing on the total price instead of payments saves you money.Grab a copy of my book: https://partsmanagerpro.gumroad.com/l/qtqaxFull Video on Youtube:https://youtu.be/9CBEbM-eSSoBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-motor-files-podcast--4960744/support.

In the headlines today, international travelers beware, massive lines for immigration at Suvarnabhumi await you, then, the public appears to be divided over payments for the Bangkok nightclub fire victims, in crime news, six teenagers have been captured after a daring detention center escape, also, pollution on the Kok river has led to Japan joining the effort to help the clean up, and a little later we've got an interesting tale of a feline scam artist.

Are Stripe, Shopify Payments, PayPal, or another processor delaying payouts, adding reserves, or asking a ton of questions about your business?In this episode, Maria explains why your payment processor treats you as high-risk — even if you're a legit online merchant — and how that affects your cash flow and shutdown risk. You'll learn a simple checklist to see how processors really see your business and a 3-step action plan to protect your accounts and keep more of every sale.Maria breaks down the three things processors actually look at — your product category and billing model, your chargeback and refund numbers, and your checkout and support experience — and why you can feel like a completely normal business while still ticking every box their systems flag as high-risk.

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How are emerging financial technologies transforming the operational landscape for freight businesses, and how can automation mitigate key operational risks like tribal knowledge? With systems development and financial literacy posing significant challenges for freight businesses, Tank Payments' co-founder Matt Rybak shares how their automated financial back-office software is simplifying the complex "factor-broker-carrier stack!"  Since money is never free, managing cash flow, accurate billing, and timely invoicing are crucial for maintaining healthy DSO (Days Sales Outstanding) cycles.  Tank Payments works continuously in the background, acting as a virtual employee to automate routine accounting tasks and manage key processes like cash posting, which minimizes the dangerous "death by a thousand cuts" caused by hidden SaaS fees. By digitizing tribal knowledge and standardizing critical back-office operations, freight organizations can improve billing efficiencies, run leaner operations, and build long-term enterprise value that ensures business continuity!   Connect with Matt Website: https://tankpayments.com/  Email: matt@tankpayments.com   LinkedIn: https://www.linkedin.com/in/matthewrybak/  

Thu, 16 Jul 2026 17:15:00 GMT http://relay.fm/conduit/132 http://relay.fm/conduit/132 Kathy Campbell and Jay Miller This episode is brought to you by the letter V. Jay and Kathy explore downtime and doing nothing positively and negative impact them. This episode is brought to you by the letter V. Jay and Kathy explore downtime and doing nothing positively and negative impact them. clean 3179 This episode is brought to you by the letter V. Jay and Kathy explore downtime and doing nothing positively and negative impact them. Links and Show Notes: Checked Connections - Jay ✅ - Make that Payment for season tickets!! - Kathy

Have you ever wondered why lasting recovery feels easier for some people than others? The answer may have less to do with willpower and more to do with the way you think. In this episode, I explore a powerful shift that can transform the way you approach food addiction recovery, binge eating, emotional eating, and long-term food sobriety. If you've been feeling stuck, discouraged, or convinced you'll never change, this conversation will challenge your perspective and leave you feeling hopeful about what's possible.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

The poultry industry is calling for animal welfare and food production to be prioritised, as pressure increases on water supplies. This follows the closure of a chicken processing site in Devon due to a lack of water. All week we're looking at England's post-Brexit farm payment schemes, which reward farmers to farm more environmentally. We hear concerns that money will be tight and many farmers may miss out. And retail prices of chocolate should stay high to give farmers in west Africa a future, says the CEO of Tony's Chocolonely.Presented by Charlotte Smith and produced by Beatrice Fenton.

Niall O'Keeffe, Head of International & Migration with the Irish Red Cross, on the Accommodation Recognition Payment (ARP) paid to hosts for accommodating Ukrainians in their home reducing from 600 euro to 400 euro from September.

It was an emotional night in Atlanta as England were knocked out of the world cup by Argentina in the semi-finals.Natalie & Sam sit down to discuss how the three lions crashed out after leading with just minutes to go.Sam analyses Thomas Tuchel's big mistakes that led to the defeat, the substitutes made that changed the game and why Messi had so much freedom.Make sure you Like, Comment & Subscribe & turn on notifications so you know when a new episode drops.

Thanks to this week's episode sponsor Masterson Farms!And thanks to our studio sponsor Biotech Innovations.  Learn more about them at www.biotechinnovationsag.com.

Guest Host: John Gerardi ABC News reports that E. Jean Carroll has now received more than $5.6 million arising from the 2023 civil verdict that found Donald Trump liable for sexually abusing and defaming her. The payment came after the Supreme Court declined to hear Trump's appeal and federal courts ordered the release of funds that had been held in escrow during the appeals process. A separate $83.3 million judgment in Carroll's favor is still being contested. Podcast hosts Jennifer Welch and Angie Sullivan sharply criticized homeschooling, calling it strange, harmful to social development, and politically connected to conservative cultural movements. Welch described homeschooling as "trickle-down stupidity" and "MAGA on steroids," while also arguing it reflects broader problems involving religion and education in America. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Why do you keep getting in your own way, even when you genuinely want to change?If you've ever felt frustrated by repeating the same eating patterns, this episode is for you. In today's conversation, we're taking a closer look at the hidden habits and thought patterns that can quietly keep you stuck in food addiction and disordered eating. Recovery isn't just about changing what's on your plate. It's about changing the patterns that have been running the show for years.If you're ready to stop spinning your wheels and start building lasting food freedom, this episode will challenge you to see your recovery in a whole new way.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideFood Freedom Online Course: https://www.foodfreedomwithmary.com/foodfreedomcourseFood Sobriety Mini Course -https://www.foodfreedomwithmary.com/foodsobrietymcWant to learn more about me and my coaching programs? Do you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Join my online community The Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformInstagram: www.instagram.com/coachmaryroberts Facebook: www.Facebook.com/ketomary71 Facebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkWebsite: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com

Payments are getting smarter and more automated, but the real question is simpler: are we making life easier for the humans behind every transaction? For Women Leaders in Payments Month, we're joined by Kimling Lam, Chief Marketing Officer at Fortis, to talk about what “the future is human” actually looks like inside fintech, embedded payments, and modern go-to-market teams. Special thanks to Payroc for sponsoring this year's series and supporting the advancement of women across the payments industry. Kimling shares her career journey from Wellesley and broadcast journalism to TV news reporting, software sales, and leadership roles across major payments brands before stepping into her current CMO role. Along the way, we dig into how strong storytelling becomes a growth advantage in fintech marketing, why CEO sponsorship and networks can change a career trajectory, and what it really takes to turn ambiguity into strategy that drives pipeline and revenue. We also explore the practical impact of generative AI and large language models on marketing workflows. Kimling explains why marketers are shifting from writing everything manually to orchestrating faster, more scalable work streams while protecting brand voice and applying human judgment. From there, we zoom out to B2B payments and accounts receivable, including the pain of “swivel chair accounting,” the importance of human-centered design, and why trust in payments feels invisible until something breaks. If you care about customer experience, embedded finance, women in fintech leadership, and where AI helps or hurts, you'll get a lot from this conversation. 

Today – A federal policy reversal has renewed an Ohio debate over whether child care providers should be paid when enrolled children are absent.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

What's up fraud fighters, and welcome back to Fraud Forward!Over the last few months, I've had more conversations about agentic payments than just about any other topic. At conferences, on webinars, and in discussions with some of the smartest people in payments, compliance, and fraud, one thing has become clear to me: I think we're asking the wrong question.Most people want to know whether AI will start moving money.The question I keep coming back to is this: How do fraud teams investigate transactions when software starts making decisions?In this solo episode, I pull together insights from recent conversations with Matt Vega, Mary Ann Miller, and Matt Janiga to explore what agentic commerce really means for fraud investigations, SAR reporting, and the future of financial crime investigations. We talk about why traditional fraud models have always assumed a human initiated the payment, why that assumption no longer holds, and what investigators will need to understand when AI agents begin making decisions on behalf of customers.The technology may be changing, but the principles of good fraud prevention are not. Documentation, audit trails, authority management, explainability, and strong transaction monitoring will become even more important as agentic payments move from theory to reality.What you'll hear in this episode:Why agentic payments are fundamentally different from traditional payment automation.How agentic commerce changes the way fraud teams investigate payment fraud.Why audit trails, attribution, and explainability will become essential during fraud investigations.How SAR reporting and AML investigations may evolve as AI becomes part of the payment decision process.Why regulators are focused on enabling innovation safely instead of slowing it down.The three questions every fraud investigator should begin asking today to prepare for the future.You should listen to this episode if you:Work in fraud prevention, AML compliance, investigations, or financial crime.File suspicious activity reports or conduct SAR reporting.Lead fraud operations, transaction monitoring, or payment investigations.Are evaluating how AI and agentic commerce will affect your institution.Want practical steps your team can begin implementing today instead of waiting for the rulebook to catch up.

Not too long ago, people had just a handful of options for making payments: Think cash, checks, and wire transfers. But the number of payment options available to the average person has exploded since the rise of smartphones – and so have AI scams, deepfake scams, and overall fraud risk. Fed payments fraud expert Mike Timoney discusses why these crimes are becoming more popular, the impacts of rapidly evolving technology in payments, and how people can better protect themselves from fraud and scams. Timoney is a vice president of secure payments at the Boston Fed. Visit BostonFed.org to learn more about how the Federal Reserve is tracking an increase in synthetic identity fraud. You can also listen to a discussion with Timoney on why check fraud is rising, even as check usage declines.

Use payment apps? How much? Clark has a major warning about a serious financial risk hiding in plain sight: storing your hard-earned cash inside payment apps like PayPal, Venmo, or Cash App. While these platforms are convenient for sending money, a shocking number of people use them like regular bank accounts to store large sums of money. Therein lies a dangerous reality that could cost you plenty.   Also, millennials are rethinking life milestones, especially when it comes to weddings. A recent story of a beautiful $5,000 wedding proves that you don't need to bury yourself in debt to celebrate love. If you want to spend a fortune and you have the cash, go for it—but if you want to start your marriage on a stronger financial footing, younger generations are proving you can have an unforgettable, gorgeous wedding at a crazy inexpensive price. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 13, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. A New Payment App Warning: Segment 1 Ask Clark: Segment 2 Affordable Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Storing Cash in PayPal, Venmo or Cash App Carries Hidden Risks, CFPB Says Safer Ways To Send Money - Clark Howard Who Should Consider Setting Up a Trust? - Clark Howard Car Rental Insurance: Everything You Need To Know - Clark Howard Car-Rental Insurance and the Collision Damage Waiver (CDW) Clark Howard's Guide to Saving Money on Your Wedding Should I Borrow Money To Pay for a Wedding? - Clark Howard 6 tips for a more affordable wedding - Clark Howard  The Costco Price Secret Almost Nobody Knows - Clark Howard Are Airline Ticket Consolidators a Good Way To Save Money on International Flights? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens to blockchain networks, digital assets, and the wider internet when quantum computers become powerful enough to break the cryptography protecting them? In this episode of Tech Talks Daily, I speak with Bruno Martins, Chief Technology Officer of the Algorand Foundation, about what quantum computing means for blockchain security, why post-quantum cryptography is becoming a technology priority, and how enterprises should evaluate blockchain infrastructure for payments, digital assets, identity, and other business applications. Bruno brings experience from across several major blockchain ecosystems, including Consensys and IOHK, alongside a background in applied cryptography, key management systems, enterprise blockchain development, and software engineering. His perspective provides a useful view of how the blockchain industry has changed from experimental projects and speculative use cases toward platforms expected to support real financial transactions and business operations. We begin with the quantum threat itself. Bruno explains why the cryptographic systems protecting blockchains, financial infrastructure, communications, messaging platforms, and much of the internet could eventually become vulnerable to sufficiently powerful quantum computers.  While the exact timeline remains uncertain, he argues that waiting for a cryptographically relevant quantum computer to arrive before beginning migration would leave companies with too little time to update infrastructure, applications, wallets, accounts, and user behavior. The conversation examines why post-quantum security is not simply a future technology problem. Large digital ecosystems can take months or years to migrate, and businesses need time to understand their cryptographic dependencies, introduce new standards, educate users, and build systems capable of adopting new security methods without disrupting existing operations. Bruno shares how Algorand has been working on post-quantum security for several years, including the deployment of Falcon signatures for state proofs and plans to introduce quantum-resistant account types and additional protections across consensus and network communications. We discuss why cryptographic agility may be more important than simply replacing existing cryptography with newer algorithms that have not yet experienced decades of testing in real-world systems. This leads to one of the most valuable technical lessons in the episode. Moving directly from classical cryptography to post-quantum cryptography introduces its own risks because newer cryptographic methods may later reveal weaknesses. Bruno explains why hybrid approaches, where digital assets and accounts can be protected by both established and quantum-resistant cryptography, could provide a more responsible path for institutions managing long-lived systems and valuable assets. We also examine how enterprises should evaluate blockchain platforms. With thousands of networks competing for developers, users, and institutional adoption, Bruno argues that businesses need to look beyond market attention and transaction speed. Throughput, decentralization, security, programmability, finality, operational risk, and the ability to trust the state of a ledger all influence whether blockchain infrastructure is suitable for real business operations. Payments provide a practical example. Companies issuing payment products backed by stablecoins need confidence that transactions are final and cannot later be reorganized or reversed by the underlying network. Bruno explains why instant finality can reduce operational uncertainty and risk for companies building financial applications on public blockchain infrastructure. The conversation also turns to AI agents and agentic commerce. If autonomous software agents begin negotiating, purchasing services, exchanging value, and conducting transactions with other agents, they will need payment rails, identity systems, trusted counterparties, and ways to establish ownership and accountability. Bruno explains why stablecoins, digital identity, decentralized finance, and blockchain infrastructure could become increasingly relevant as AI systems begin participating directly in economic activity. Throughout the episode, Bruno offers a balanced assessment of the blockchain industry itself. He discusses the problems created by technical fragmentation, competing standards, thousands of networks, and ecosystem tribalism. Greater cooperation between blockchain communities, particularly around wallets, hardware, cryptographic standards, and post-quantum security, could make it easier for enterprises and developers to build applications that work across ecosystems. For technology leaders, security professionals, blockchain developers, and anyone responsible for long-lived digital infrastructure, this conversation provides a practical introduction to quantum threats, post-quantum cryptography, cryptographic agility, blockchain finality, stablecoins, and the technical questions companies should ask before choosing distributed infrastructure. The quantum threat may not arrive tomorrow, but migrating complex systems takes time. The companies and technology platforms preparing today will be in a much stronger position to protect digital assets, maintain trust, and continue operating when current cryptographic standards eventually need to change.

In this special replay of a past Psychedelic Coaching Institute webinar, Paul F. Austin is joined by Victoria J. Cvitanovic, attorney and leader of the Psychedelic Medicine and AI Governance practices at Rudick Law Group, for a practical conversation on how AI is reshaping psychedelic practice. Find full show notes and links here: https://thethirdwave.co/podcast/episode-364/?ref=278 Together, Paul and Victoria explore why psychedelic content can get flagged online, how automated moderation systems are changing what practitioners can safely post, and why educational content may still be misread by platforms like Meta. They also discuss payment processor risk, account freezes, client data privacy, AI note-taking tools, website compliance, and the legal nuance practitioners need to understand before building or growing their work online. Victoria J. Cvitanovic is a psychedelic medicine, cannabis, wellness, and tech attorney. In addition to her law degree, Victoria holds CIPP-US and AIGP certifications from the International Association of Privacy Professionals. She leads the Psychedelic Medicine and AI Governance practices at Rudick Law Group, where she also serves as the firm's Data Privacy Officer. Her work covers cybersecurity, data privacy, AI governance, regulatory compliance, corporate formation, licensing, and healthcare integration. Highlights: AI moderation and psychedelic content Why psychedelic posts get flagged online Posting about psychedelics responsibly Payment processors and risk reviews What to do when funds freeze Data privacy in client work AI tools and practitioner liability Website compliance basics Episode Links:  Rudick Law Group Psychedelic Coaching Institute Episode Sponsors:    The Practitioner Certification Program by The Psychedelic Coaching Institute. Golden Rule - Get a lifetime discount of 10% with code THIRDWAVE at checkout Third Wave occasionally partners with or shares information about other people, companies, and/or providers. While we work hard to only share information about ethical and responsible third parties, we can't and don't control the behavior of, products and services offered by, or the statements made by people, companies, or providers other than Third Wave. Accordingly, we encourage you to research for yourself, and consult a medical, legal, or financial professional before making decisions in those areas. Third Wave isn't responsible for the statements, conduct, services, or products of third parties. If we share a coupon code, we may receive a commission from sales arising from customers who use our coupon code. No one is required to use our coupon codes."

Welcome to the Monday Minute – your weekly reset to lead better, think clearer, and build your independent dealership with intention.You can buy right, market well, and sell a car every day – and still run out of cash. Because nothing in this business actually happens until you collect the money. Sales are promises. Funding is real. Payments are real. Everything else is just activity until the cash hits your account.In this episode, Jeff and Luke make the case that collections is not a back-office function – it is the lifeblood of the dealership, regardless of whether you are retail, buy here pay here, or lease here pay here. Jeff breaks down why days to funding is one of the most critical metrics a retail dealer can track – do you know which lenders fund the same day and which ones drag it out four or five days while your floor plan is ticking? He walks through what buy here pay here and lease here pay here operators should be measuring every single week – promise-to-pay fulfillment, delinquency percentage, rolling charge-off rates, recovery percentage on collateral – and why the collections department deserves as much attention, resources, and intention as any other part of the store. Luke puts it in dollar terms: if your average charge-off runs $5,000 to $7,000, saving one deal a month is not a collections win. It is a profit line. And if getting deals funded one day faster saves you $100 to $200 a day in floor plan cost, that number gets very real by the end of the month.Your assignment this week: retail dealers, find out your days to funding right now – identify your fastest lenders, your slowest ones, and where the bottleneck lives in your paperwork process. Buy here pay here and lease here pay here operators, pull your collections metrics and ask whether your collector pay plan is actually aligned with the results you want. Because your team will focus wherever the compensation points them. Then ask yourself one honest question: what would saving one deal a month be worth to you? If the answer is $5,000, you already know what to do next.Review this week's Sunday newsletter at TheIndependentDealer.com for the full theme and exercises.Not subscribed yet? Sign up now.https://theindependentdealer.us19.list-manage.com/subscribe?u=603446580871d8522a454418d&id=50aae74348Let's build this together.

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://geni.us/Shop-Ware-Free-MonthTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Ash Kaplan, owner of Golden Hour Garage. Ash shares her journey growing up in the automotive industry, how she built her niche helping struggling shops streamline workflow, and why process consistency is essential for shop success. The conversation also explores the impact of AI and automation in automotive repair, emphasizing the ongoing need for human expertise and genuine customer relationships.00:00 Visual calendar time zone issue10:32 Building workflows for struggling shops12:27 Finding a solution for consistency17:50 Explaining the company name25:15 Documenting a car recall dispute30:36 Employee motivation and compensation issues32:59 Overcoming belief in others39:15 Lessons on gullibility from father47:26 Weekly and Quarterly Accountability Meetings52:34 Building internal talent for growth56:56 Discussing AI sustainability issues59:31 AI's Impact on Job Markets01:07:20 AI in automotive service shops