Podcasts about visa inc

US equity markets retreated on Friday (13 June) after Israel launched a wave of airstrikes on Iran and its nuclear facilities, pushing oil prices sharply higher - Dow dropped -770-points or -1.79% Sherwin-Williams Co -5.7% was the worst performer in the 30-stock index, with analysts at Citigroup cutting their recommendation on the stock to "neutral" from "buy," indicating that the persistence of high mortgage rates and softness in the housing market could weigh on the paint distributor's performance in the near term. Visa Inc fell -4.99% and American Express Co -3.42% after a report in The Wall Street Journal indicated that Walmart Inc (-0.41) and Amazon.com Inc (-0.53%) are considering issuing their own stablecoins, a move that could help the retail giants sidestep the interchange fees charged by credit-card providers. Nike Inc (-3.61%) and Salesforce Inc (-3.19%) also fell over >3%.

US equity markets retreated on Friday (13 June) after Israel launched a wave of airstrikes on Iran and its nuclear facilities, pushing oil prices sharply higher - Dow dropped -770-points or -1.79% Sherwin-Williams Co -5.7% was the worst performer in the 30-stock index, with analysts at Citigroup cutting their recommendation on the stock to "neutral" from "buy," indicating that the persistence of high mortgage rates and softness in the housing market could weigh on the paint distributor's performance in the near term. Visa Inc fell -4.99% and American Express Co -3.42% after a report in The Wall Street Journal indicated that Walmart Inc (-0.41) and Amazon.com Inc (-0.53%) are considering issuing their own stablecoins, a move that could help the retail giants sidestep the interchange fees charged by credit-card providers. Nike Inc (-3.61%) and Salesforce Inc (-3.19%) also fell over >3%.

Roger McNamara is the Director of B2B Acceptance in the US for Visa Inc. He is a 30+-year veteran of the Payments Industry, most recently as the President of Guide2Interchange and before that, Director of Business Development with American Express in the US. He has worked on the largest Acquisition targets for acceptance of The Card across multiple Industries and across the globe that include: Airlines, Communications, Technology, Cruise Lines, Entertainment, Fractional Jet, Freight, Government, Healthcare, Insurance, Oil & Gas, Residential Rent, Restaurants, QSR's, Retail, Services, Supermarkets, Travel, Vehicle Sales, B2B and Wholesale. Over that time, he has sold more than $300 Billion worth of Card processing and became an expert in Bankcard Interchange and Discount Rates, how they are calculated and what merchants pay to accept Credit, and how this is dramatically different from what they believe they pay. He is an expert in Merchant Statement analysis and payment processing and the rules and regulations associated with payments and the associations. Connect with Roger : https://www.linkedin.com/in/roger-mcnamara-5789b21/Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms

Roger McNamara is the Director of B2B Acceptance in the US for Visa Inc. He is a 30+-year veteran of the Payments Industry, most recently as the President of Guide2Interchange and before that, Director of Business Development with American Express in the US. He has worked on the largest Acquisition targets for acceptance of The Card across multiple Industries and across the globe that include: Airlines, Communications, Technology, Cruise Lines, Entertainment, Fractional Jet, Freight, Government, Healthcare, Insurance, Oil & Gas, Residential Rent, Restaurants, QSR's, Retail, Services, Supermarkets, Travel, Vehicle Sales, B2B and Wholesale. Over that time, he has sold more than $300 Billion worth of Card processing and became an expert in Bankcard Interchange and Discount Rates, how they are calculated and what merchants pay to accept Credit, and how this is dramatically different from what they believe they pay. He is an expert in Merchant Statement analysis and payment processing and the rules and regulations associated with payments and the associations. Connect with Roger : https://www.linkedin.com/in/roger-mcnamara-5789b21/Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms

Visa Inc. Chief Executive Officer Ryan McInerney said advertising will be forced to evolve as shoppers turn to artificial intelligence agents to help them browse products and make purchases. He is joined by Bloomberg's Caroline Hyde.See omnystudio.com/listener for privacy information.

While Americans rely on debit transactions for the necessities of life, most are unaware of the networks that drive those transactions, nor are they aware that one company, Visa, has monopolized debit transactions, penalized industry participants that seek to use alternative debit networks, and co-opted innovators, technology companies, and financial institutions to forestall or snuff out threats to Visa's debit network dominance.” So begins the monopolization lawsuit filed on September 24 by the United States Department of Justice (DOJ) against the country's largest card company, Visa Inc.On one level, the case is simple: The DOJ alleges a clear violation of laws protecting markets against monopolies. But the case gets more complicated when looking at the details, in part because payment systems are mostly invisible part of the financial ecosystem. In effect, the DOJ alleges that Visa is pulling the levers of a really opaque and complex system to preclude competition and squeeze fees out of banks and vendors for itself.To understand the complexities and implications of the case, Bethany and Luigi are joined by Kathryn Judge, Harvey J. Goldschmid Professor of Law at Columbia University. Judge is an expert on banking, financial crises, regulatory architecture, and intermediation design beyond finance. Her book, Direct: The Rise of the Middleman Economy and the Power of Going to the Source (HarperBusiness, 2022), was on the long list for the Financial Times Business Book of the Year Award. Together, the three of them discuss both the surface-level and structural issues of an economy where consumers and small businesses are shortchanged on what is essentially a private sales tax on all debit-card purchases—and how to look for collective solutions when opt-outs aren't possible.Episode Notes: Also check out the ProMarket article “A DOJ Victory Against Visa May Not Help Merchants or Consumers” by Lulu Wang, Assistant Professor of Finance at Northwestern University's Kellogg School of Management.

US equity markets settled modestly weaker amid a deluge of quarterly earnings and fresh economic data and with investors eyeing third quarter results from two of the so-called ‘Magnificent Seven' cohort after the closing bell - Dow slipped -92-points or 0.22% unwinding an earlier rally of almost +225-points. International Business Machines Corp (down -2.63%), Intel Corp (-2.62%) and Nike Inc (-2.49%) all fell ~2.5% to be the worst performers in the 30-stock index overnight. Visa Inc rallied +2.94% after reporting a stronger-than-expected fiscal fourth quarter result after the close of the previous session.

US equity markets advanced amid a broad rally following some strong quarterly results - Dow gained +337-points or +0.79% to a fresh record closing high of 43,077.70. Cisco Systems Inc gained +4.25% to be the leading performer in the 30-stock index after analysts at Citi raised their recommendation on the networking company to ‘Buy' from ‘Neutral' and raised their target to US$62 from US$52, saying the company is in position to benefit from the spread of artificial intelligence (AI). UnitedHealth Group Inc (+2.71%), Visa Inc (+2.95%) and Walt Disney Co (+2.69%) all climbed over >2.5%. Meanwhile, Amazon.com Inc (down -0.43%) became the latest big technology company to buy into nuclear power to fuel the growing demands from data centres. Amazon Web Services (AWS) is investing more than US$500M in nuclear power, announcing three projects from Virginia to Washington state. AWS announced it has signed an agreement with Dominion Energy Inc (up +5.10%), Virginia's utility company, to explore the development of a small modular nuclear reactor (SMR) near Dominion's existing North Anna nuclear power station.

The Dow Jones Industrial Average and S&P 500 retreated from record highs - Dow fell -293-points or -0.7%, snapping a four session winning streak. Amgen Inc dropped -5.46% to be the worst performing Dow component overnight after the biotechnology company posted disappointing results from two Phase 3 trials. Visa Inc fell -1.15%, extending the previous session's -5.49% decline that came after report that the U.S. Department of Justice plans to file a lawsuit against the payments network operator, alleging that it illegally monopolised the country's debit card market. A US$1 move in any one of the 30 Dow components results in a 6.57-point swing.

Top Eco-Friendly Stocks are from the Corporate Knights rankings. Plus, Reddit's best ethical companies and an article listing Shariah-compliant stocks. By Ron Robins, MBA Podcast: Top Eco-Friendly Stocks Transcript & Links, Episode 137, September 6, 2024 Hello, Ron Robins here. Welcome to this podcast episode 137 published September 6, 2024, titled “Top Eco-Friendly Stocks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Now, remember that you can find a full transcript and links to content – including stock symbols and bonus material – on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the articles for more company and stock information. ------------------------------------------------------------- 7 Best Ethical Companies To Invest In According to Reddit The first article I'm reviewing is titled 7 Best Ethical Companies To Invest In According to Reddit. It's by Affan Mir and found on insidermonkey.com. Here are some quotes. “Our Methodology The companies are listed in ascending order of the number of hedge fund holders as of the second quarter of 2024. The hedge fund data was taken from our database of over 900 elite hedge funds… Our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. 7. HA Sustainable Infrastructure Capital, Inc. (NYSE:HASI) Number of Hedge Fund Holders: 16 The company invests in behind-the-meter (BTM) building or facility-specific distributed energy projects, which are tailored to reduce energy consumption or costs for specific buildings or facilities. 6. Ecolab Inc. (NYSE:ECL) Hedge Fund Holders: 42 Ecolab Inc. … initially, the company focused on innovative cleaning products but has since become a major player in the water, hygiene, and energy sectors. The company serves various industries, including food processing, healthcare, hospitality, and manufacturing, by offering technology and services that ensure water quality and safety… In 2024, it was recognized as one of the World's Most Ethical Companies by Ethisphere for the 18th consecutive year. 5. Waste Management, Inc. (NYSE:WM) Hedge Fund Holders: 49 Waste Management, Inc. … Over the years, the company has evolved into a comprehensive waste management company with a vast operational footprint. 4. First Solar, Inc. (NASDAQ:FSLR) Hedge Fund Holders: 66 First Solar is an American company in the solar energy industry that specializes in manufacturing solar panels and developing utility-scale photovoltaic (PV) power plants. 3. Costco Wholesale Corporation (NASDAQ:COST) Hedge Fund Holders: 71 Costco Wholesale Corporation is a warehouse club that operates on a membership basis, offering a wide range of products. 2. NextEra Energy, Inc. (NYSE:NEE) Hedge Fund Holders: 73 NextEra Energy, Inc. … company operates a diverse portfolio through its subsidiaries, which include Florida Power & Light (FPL), NextEra Energy Resources (NEER), and NextEra Energy Partners. 1. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Holders: 179 NVIDIA Corporation is a California-based prominent tech company… recognized for its groundbreaking advancements in graphics processing units (GPUs) and AI.” End quotes. ------------------------------------------------------------- Top 25 Eco-Friendly Companies in 2024 Now this next article should interest most of you. It's titled Top 25 Eco-Friendly Companies in 2024. It's by Meerub Anjum and found on finance.yahoo.com. Due to my time restrictions, the 25 companies are covered briefly. Go to the link on this episode's podcast page for the full article. Here are my brief quotes. “Methodology To compile our list of the top 25 eco-friendly companies in 2024, we utilized the sustainable investment ratio data for the global 100 companies from Corporate Knights. We then used the purchasing power parity revenue of companies as of 2023 to calculate the absolute sustainable revenue of companies. Finally, we ranked the top 25 eco-friendly companies in 2024 in ascending order of their absolute sustainable revenue. At Insider Monkey we are obsessed with the stocks that hedge funds pile into… Our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter's strategy selects 14 small-cap and large-cap stocks every quarter and has returned 275% since May 2014, beating its benchmark by 150 percentage points (see more details here). 25. Henkel AG & Co. (OTC:HENOF) In 2023, over 20% of its revenue was from sustainable products or services. 24. Risen Energy Co. Ltd. (SHE:300118) In 2023, Risen Energy Co Ltd generated 100% of its revenue from sustainable products and services. 23. Yadea Group Holdings Ltd. (OTC:YADGF) is an investment holding company engaged in the manufacturing and sale of two-wheeled electric vehicles and related accessories in China. 22. Kering SA (OTC:PPRUF) in 2024… it generated 26.5% of its revenue from sustainable products in 2023. 21. Nordex SE (OTC:NRXXY) The company is involved in the manufacturing and distribution of onshore wind turbines. 20. Hewlett Packard Enterprise Company (NYSE:HPE) is one of the most sustainable companies, boasting a sustainable revenue of 33.1%. 19. Li Auto Inc. (NASDAQ:LI) In 2023, Li Auto Inc generated 100% of its revenue from sustainable products. 18. Ricoh Company, Ltd. (OTC:RICOY) Ricoh Company, Ltd.'s sustainable revenue was 50.8% of its total revenue in 2023. 17. NIO Inc. (NYSE:NIO) is involved in the manufacturing and sale of smart electric vehicles in China. 16. Ørsted A/S (OTC:DNNGY) 65% of its revenue was from sustainable products and services in 2023. 15. SAP SE (NYSE:SAP) SAP SE generated nearly 30% of its revenue from sustainable products and services. 14. Telefonaktiebolaget LM Ericsson (NASDAQ:ERIC) In 2023, 46.8% of its revenue was generated from sustainable services and products. 13. Banco do Brasil S.A. (OTC:BDORY) generated 28.6% of its revenue from sustainable products and services in 2023. 12. Neste Oyj (OTC:NTOIY) Its renewable products include renewable diesel, sustainable aviation fuel, renewable solvents, and feedstock for bioplastics. 11. Sanofi (NASDAQ:SNY) In 2023, 27.2% of its revenue was from eco-friendly products and services. 10. Alstom SA is involved in the manufacturing of monorails, light rails, metros, commuter trains, regional trains, high-speed trains, and locomotives. 9. Samsung SDI Co. Ltd. (KRX:006400) provides lithium-ion batteries used in smartphones, tablets, laptops, and other devices including electric bikes and scooters. 8. Cisco Systems, Inc. (NASDAQ:CSCO) aims to achieve net zero emissions by 2040 and also incorporate circularity in 100% of its new products and packaging by 2025. 7. Vestas Wind Systems (OTC:VWDRY) 100% of its revenue is generated from eco-friendly products. 6. Bank of China Limited (OTC:BACHF) Nearly 17% of its revenue, which amounts to $25.9 billion, was from sustainable sources in 2023. 5. XPeng Inc. (NYSE:XPEV) 100% of its revenue is generated from sustainable products and services. 4. Schneider Electric S.E. (OTC:SBGSY) is involved in the production of inverters, solar panels, solar equipment, wind farm microgrids, power metering systems, and smart monitoring solutions, among others. 3. HP Inc. (NYSE:HPQ) reduced its Scope 1 and 2 emissions by 62% in 2023. 2. Tesla, Inc. (NASDAQ:TSLA) In 2023, 100% of its revenue was generated from sustainable products and services. 1. Apple Inc. (NASDAQ:AAPL) In 2023, it generated nearly 70% of its revenue from sustainable products and services.” End quotes. ------------------------------------------------------------- Top 10 Shariah Compliant Stocks by Market Cap Many ethical investors might not know that Shariah investing has similarities to ethical investing. This article briefly explains Shariah-based investing and the ethical stocks favored by the article's authors. It's titled Top 10 Shariah Compliant Stocks by Market Cap. Author(s) not mentioned, but found on amalinvest.com. Here are some quotes. “Islamic finance has grown significantly in recent years, with more investors seeking stocks that align with Shariah principles. Let's explore the top 10 Shariah compliant stocks by market capitalization, examining what makes them attractive to ethical investors and how they stack up in the global market… Shariah law prohibits investment in companies involved in certain activities, such as alcohol, gambling, pork products, and conventional financial services. Additionally, there are financial ratios that companies must meet to be considered compliant. Compliance vs. Halal It's crucial to note that ‘Shariah compliant' doesn't necessarily mean ‘halal.' Compliant companies may still have some activities that aren't permissible under Shariah law, but they don't exceed certain thresholds that would make them impermissible for investment. Now, let's examine our top 10 list: 1. Apple Inc. (AAPL) Compliance: Halal The tech giant Apple leads our list with an impressive market cap of $3.45 trillion. 2. NVIDIA Corporation (NVDA) Compliance: Halal NVIDIA, a leader in GPU technology and AI computing, comes in second with a market cap of $3.11 trillion. Its focus on cutting-edge technology and strong financial position contribute to its Shariah compliant status. 3. Alphabet Inc. (GOOGL) Compliance: Doubtful Google's parent company, Alphabet, holds the third spot. Despite its massive market cap, its compliance status is marked as doubtful. This could be due to its diverse range of services, which may include activities not fully aligned with Shariah principles. Bottom of Form 4. Amazon.com Inc. (AMZN) Compliance: Doubtful E-commerce giant Amazon is fourth on our list, but also carries a doubtful compliance status. This might be related to its involvement in streaming services that could include content not aligned with Shariah principles, or its financial services offerings. 5. Meta Platforms Inc. (META) Compliance: Doubtful Facebook's parent company, Meta, rounds out our top five. Its doubtful status could be due to concerns about content moderation and potential involvement in activities not fully aligned with Shariah law. 6. Eli Lilly and Co (LLY) Compliance: Halal Eli Lilly, a pharmaceutical company, is the first non-tech firm on our list. Its focus on healthcare and strong financial position contribute to its Shariah compliant status. 7. Broadcom Inc. (AVGO) Compliance: Halal Broadcom, a designer, developer, and global supplier of semiconductor devices, maintains a Shariah compliant status due to its focus on technology and solid financials. 8. Tesla Inc. (TSLA) Compliance: Halal Electric vehicle manufacturer Tesla is Shariah compliant, likely due to its focus on sustainable transportation and energy solutions, as well as its financial structure. 9. Walmart Inc. (WMT) Compliance: Doubtful Retail giant Walmart makes the list but with a doubtful compliance status. This could be due to the sale of products not permissible under Shariah law, such as alcohol or pork products. 10. Visa Inc. (V) Compliance: Halal Rounding out our top 10 is Visa, a financial services company. Its Shariah compliant status might surprise some, but it's likely due to its business model focusing on payment processing rather than traditional banking activities.” End quotes. ------------------------------------------------------------- 3 Green ETFs With Promising Upside And Long-Term Potential Now an article from Canada. It's titled 3 Green ETFs With Promising Upside And Long-Term Potential. It's by Pierre Raymond and seen on theglobeandmail.com. Here's some of what Mr. Raymond says about his picks. “1. iShare Climate Conscious & Transition MSCI USA (USCLi) One of the key objectives of the fund is to track the performance and investment results of large and mid-cap U.S. companies that are actively contributing to the low-carbon economy transition. Overall, the fund has delivered a one-year return of 23.10%, slightly below the benchmark of 23.16%. 2. Carbon Transition U.S. Equity ETF (JCTR) provides investors exposure to the broader U.S. market by positioning the fund to benefit from companies that invest in the low-carbon economy transition… The fund delivered one-year quarterly returns of 24.40%, similar to that of the JPMAM Carbon Transition U.S. Equity Index. 3. Xtrackers Net Zero Pathway Paris Aligned US Equity ETF (USNZ) which seeks to track the performance of the Solactive ISS ESG U.S. Net Zero Pathway Enhanced Index… The current one-year return is 24.44% versus 24.54% of the underlying index, and 24.56% of the S&P.” End quotes. ------------------------------------------------------------- One other great article that time didn't allow me to review here. 3 Franklin Templeton Mutual Funds for Sustainable Returns. It's by Zacks Equity Research and was found on finance.yahoo.com.  ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast “Top Eco-Friendly Stocks.” Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these troubled times! Contact me if you have any questions. Thank you for listening. Now my next podcast will be September 20th. I'll talk to you then! Bye for now.   © 2024 Ron Robins, Investing for the Soul  

Vrinda Gupta is the CEO & Co-Founder of Sequin, the first debit card and banking in U.S. history designed by and for women and minorities. She is a globally recognized credit expert featured by Forbes, ABC7 News, and Fintech Magazine and has been named one of the top 10 women to watch in Fintech.Vrinda helped launch the popular Chase Sapphire Reserve credit card at Visa Inc. But, when she applied for the card she helped create, she was rejected.This inspired Vrinda to act. She quit her job at Visa to found Sequin, to recognize women's financial power and fight against the injustices that opposed it, including credit card debt and the Pink Tax.Money is power - and this proud first-generation Indian immigrant is on a mission to design a world where women have more of both. You can sign up for Sequin today completely fee-free at sequincard.com/shebelievedshecould.Memorable Moments:“The pink tax is a well-documented phenomenon where women are paying more for everyday products and services 42% of the time, which adds up to thousands of dollars a year, and hundreds of thousands a lifetime.” “As women and minorities, we are not having conversations that are necessary to be successful in the financial world. We feel at fault and alone in our unknowingness, but most hardships have stemmed from a system that is steeped in the patriarchy.” When fundraising, it's important to find mission-driven investors, recognize that you don't need to know wealthy people to recruit support, and never, ever under-sell yourself.“It is so important to have accounts in your own name. Whether that's a bank account or a credit card, it is important to set yourself up for success by knowing the steps.”Every woman is a walking billion dollar opportunity because we have been continually underserved.  Connect with Vrinda:WEBSITE: www.sequincard.com/SheBelievedSheCouldINSTAGRAM: @sequin_cardTIKTOK:https://www.tiktok.com/@sequin_card Connect with AllisonInterested in working together? Fill out this form.www.instagram.com/allisonwalshwww.shebelievedbook.comwww.allisonwalshconsulting.comhttps://www.facebook.com/groups/shebelievedshecouldcommunity20 ways to make money being YOU!: https://www.allisonwalshconsulting.com/monetizeyourbrand

US equity markets soared on Friday (26 July) to cap a turbulent week, with the S&P 500 and Nasdaq snapping three session losing streaks as the technology sector recovered, corporate earnings news provided a big boost to several companies and inflation data reinforced expectations that the Federal Reserve will cut interest rates soon - Dow rallied +654-points or +1.64%, American Express Co (up +2.38%), with Travelers Companies Inc (+2.21%), Salesforce Inc (+2.%) and Visa Inc (+2.35%) all rising over >2%The broader S&P500 gained +1.11%, with Industrials (up +1.72%), Materials (+1.68%), Real Estate (+1.67%) and Financials (+1.49%) leading all eleven primary sectors higher.

US equity markets soared on Friday (26 July) to cap a turbulent week, with the S&P 500 and Nasdaq snapping three session losing streaks as the technology sector recovered, corporate earnings news provided a big boost to several companies and inflation data reinforced expectations that the Federal Reserve will cut interest rates soon - Dow rallied +654-points or +1.64%, American Express Co (up +2.38%), with Travelers Companies Inc (+2.21%), Salesforce Inc (+2.%) and Visa Inc (+2.35%) all rising over >2%.

US equity markets fell sharply, with the so-called “Magnificent Seven” of large technology companies weighing heavily on the benchmark indices - Dow fell -504-points or -1.25% to 39,853.87, below 3.5%.

US equity markets opened the week with modest gains, lifting the S&P 500 and Nasdaq to fresh record closing highs - Dow slipped -31-points or -0.08%. Nike Inc (down -3.16%) was the worst performer in the 30-stock index, while Salesforce Inc (-2.21%) and Visa Inc (-1.46%) were also notable underperformers. Intel Corp soared +6.15% to be the leading Dow component overnight. Boeing Co rose +0.55% despite news the aircraft manufacturer had agreed to plead guilty to a charge of defrauding the federal government over the 2018 and 2019 crashes of a pair of 737 Max planes that killed more than 300 people. The company will pay another US$243.6M in fines, and be required to spend ~US$455M on its safety and compliance programs over the next three years while facing a three-year probationary period where it will be monitored by a government-appointed compliance monitor.

Nike Inc (down -3.16%) was the worst performer in the 30-stock index, while Salesforce Inc (-2.21%) and Visa Inc (-1.46%) were also notable underperformers.

Best Ethical, ESG Stocks, for 2024. Covers stocks from AI, to tech, to healthcare, renewable energy, healthcare, and many more.   By Ron Robins, MBA Transcript & Links, Episode 129, May 3, 2024 Hello, Ron Robins here. So, welcome to this podcast episode 129 titled “Best Ethical, ESG Stocks, for 2024.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Now, remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 6 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1) Best Ethical, ESG Stocks, for 2024 I'm starting this episode with this article, 13 Best Ethical Companies to Invest in 2024. It's by Ramish Cheema at Insider Monkey and appeared on finance.yahoo.com. Here are some quotes from Mr. Cheema from his article. “We ranked the top 30 most valuable holdings of the Vanguard ESG U.S. Stock ETF (ESGV) by the number of hedge funds that had bought the shares during the fourth quarter of 2023 and picked the top stocks… Hedge funds' top 10 consensus stock picks outperformed the S&P 500 Index by more than 140 percentage points over the last 10 years (see the details here). 13. Adobe Inc. (NASDAQ:ADBE) Hedge Fund Shareholders: 105 Its Photoshop software is one of the best known image editing software in the world, and in April 2024, Adobe shared that it will add artificial intelligence features to Photoshop later this year. 12. Thermo Fisher Scientific Inc. (NYSE:TMO) Hedge Fund Shareholders: 111 Thermo Fisher Scientific is one of the biggest medical instruments and devices companies in the world. The shares are rated Buy on average. 11. UnitedHealth Group Incorporated (NYSE:UNH) Hedge Fund Shareholders: 113 UnitedHealth Group is the largest healthcare benefits provider and plan manager in the U.S. 2024 has been quite a controversial year for the firm after it was targeted through a cyber attack earlier this year that disrupted healthcare services across America. 10. Advanced Micro Devices, Inc. (NASDAQ:AMD) Hedge Fund Shareholders: 120 Advanced Micro Devices is an American semiconductor designer that makes and sells CPUs, GPUs, and other silicon products… Wall Street appears to be quite optimistic about the firm's future prospects, as it has rated the shares Strong Buy. 9. Salesforce, Inc. (NYSE:CRM) Hedge Fund Shareholders: 131 Salesforce is an American enterprise software company that enables firms to manage their customer relationships… the shares are up after reports indicate that Salesforce is no longer pursuing a multi billion dollar acquisition to grow its business operations. 8. Apple Inc. (NASDAQ:AAPL) Hedge Fund Shareholders: 131 April 2024 hasn't been a great month for the firm, as not only have its shares proved to be lackluster in gains, but multiple reports share that consumer interest in the Apple Vision Pro headset is declining. 7. Mastercard Incorporated (NYSE:MA) Hedge Fund Shareholders: 141 Mastercard is a financial technology firm that acts as a gateway between merchants and consumers. It's… rated (a) Strong Buy on average. 6. Visa Inc. (NYSE:V) Hedge Fund Shareholders: 162 Visa Inc. is another payment gateway platform and services provider. Like Mastercard, it was also at the center of a bullish analyst note from Morgan Stanley in April 2024 that indicated that Visa Inc. was benefiting from the surge in global travel. 5. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Shareholders: 173 NVIDIA Corporation is Wall Street's artificial intelligence darling. Its shares are up by 198% over the past year… 4. Alphabet Inc. (NASDAQ:GOOGL) Hedge Fund Shareholders: 214 Alphabet Inc. is one of the biggest technology companies in the world. The firm was out with an announcement worthy of its size in April 2024 when it announced that it would invest $640 million to set up a new data center in The Netherlands. 3. Meta Platforms, Inc. (NASDAQ:META) Hedge Fund Shareholders: 242 Meta Platforms, Inc. is the biggest social media and communications company in the world. Its CEO Mark Zuckerberg appeared to have thrown a curve ball in the AI market in April 2024 when Meta Platforms announced its Llama 3 model which it claims is one of the most powerful open source AI platforms in the world. 2. Amazon.com, Inc. (NASDAQ:AMZN) Hedge Fund Shareholders: 293 Amazon.com is one of the biggest eCommerce retailers in the world. Like other mega cap stocks, it is also focusing heavily on AI, and announced plans in April through which its AWS business division seeks to host other businesses' AI models. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Shareholders: 302 Microsoft is a global consumer software and enterprise computing giant. The firm scored a big win in April 2024 when beverages giant Coca Cola signed a $1.1 billion deal with it to use Microsoft's AI and cloud computing platforms.” End quotes. ------------------------------------------------------------- 2) Best Ethical, ESG Stocks, for 2024 This next article comes from investorplace.com, a site with a prolific output of articles related to renewable energy. This new article is titled The Power of the Sun: 3 Solar Energy Stocks Primed for 5X Gains. It's by Faizan Farooque. Now some quotes from Mr. Farooque. “1. Array Technologies (NASDAQ:ARRY) has surpassed Wall Street projections four times… Despite tremendous success, Array stock is down 31% in 2024 due to lower-than-expected annual expectations. The company's reduction of its annual prediction has lowered the stock's price, making it ideal for investors looking for inexpensive solar stocks. Analysts predict a 68% upside. 2. Canadian Solar (NASDAQ:CSIQ) The company has missed profit expectations seven times in a row, with the most recent miss being 350%. All it can do is focus on its business and grow. To do this, Canadian Solar is constructing a 5GW solar cell factory in Jeffersonville, Indiana, at a cost of $800 million… Investors will hope the expansion into China and the new $800 million plant will help realize the stock's 84% upside potential. 3. First Solar's (NASDAQ:FSLR) path forward will depend on its aggressive expansion in the solar business. It's spending $1.2 billion to expand its U.S. manufacturing capabilities… First Solar also paid $38 million to buy the Swedish perovskite expert Evolar. It is hoped that this buy will speed up the creation of very efficient tandem photovoltaic (PV) technology… The potential upside of over 22% reflects this narrative, placing it highly among solar stocks.” End quotes. ------------------------------------------------------------- 3) Best Ethical, ESG Stocks, for 2024 This third article comes by way of a new website to me, techopedia.com. The article is titled Best ESG Stocks to Invest in 2024 and it's by Jim Halley. Now some brief comments by Mr. Halley on each company. “1. ASML Holding (NASDAQ: ASML) The Dutch company has a monopoly on EUV lithography machines that are used to imprint patterns on silicon chips. 2. Microsoft (NASDAQ: MSFT) The tech company hasn't let its profit goals get in the way of ESG progress and has invested heavily in renewable energy. It has set ambitious goals for reducing water use and to be carbon neutral. 3. Hermes International (OTC: HESAF) The luxury goods retailer sells longer-lasting goods to protect the environment and has a science-based target to lower greenhouse gas emissions in its supply chain and operations. 4. Fortinet (NASDAQ: FTNT) The cybersecurity company has lowered its carbon footprint, avoiding 455 tons of CO2 emissions by using eco-friendly packaging. It also uses 100% renewable energy in 80% of its owned sites. 5. Check Point Software Technologies (NASDAQ: CHKP) The Israeli company focuses on cybersecurity services. It said it's looking to be carbon neutral by 2040. It also focuses on charitable work and gender equality. 6. Colgate-Palmolive (NYSE: CL) Founded in 1806, it's one of the oldest companies in the US stock market. It has a diverse workforce, with 42% of its senior managers and directors being minorities (Black, Asian or Latino). 7. Adobe (NASDAQ: ADBE) The software company gets high sustainability scores by using renewable energy sources and reducing waste. It also has several diversity and inclusion initiatives.  8. Brookfield Renewable Partners (NYSE: BEP) It develops and operates renewable power and sustainable assets, including hydroelectric, wind, utility-scale solar power. It pays an above-average dividend.  9. Constellation Energy (NASDAQ: CEG) The electrical power and natural gas management services provider has the US's largest carbon-free nuclear presence after investing in the South Texas Project Electric Generating Station.  10. Applied Materials (NASDAQ: AMAT) The world's No. 1 semiconductor wafer fabrication equipment maker gets high ESG scores because it uses 100% renewable energy – wind and solar power – in the US, and 70% globally.” End quotes ------------------------------------------------------------- 4) Best Ethical, ESG Stocks, for 2024 The fourth article is another one from the investorplace.com site titled 7 Alternative Energy Stocks to Buy on the Fossil Fuel Fallout. It's by Josh Enomoto. Here are some quotes from Mr. Enomoto on each of his picks. “1. NextEra Energy (NYSE:NEE) generates, transmits, distributes and sells electric power to retail and wholesale customers in North America. Per its public profile, the company generates electricity through wind, solar, nuclear, natural gas and other clean energy... It's one of the alternative energy stocks to keep on your radar. 2. Cameco (NYSE:CCJ) provides uranium for electricity generation. It operates through multiple segments, with its mainline uranium unit involved in the exploration for, mining, milling, purchase and sale of uranium concentrate. It also features a fuel unit that engages in the refining and fabrication of the commodity… It's an unignorable component of alternative energy stocks to buy. 3. Ormat Technologies (NYSE:ORA) (Is engaged in geothermal energy production.) Geothermal is exactly what it sounds like — extracting energy from the earth's core. It's sustainable, renewable and doesn't involve building ugly wind turbines that could impact wildlife. Notably, the company is a strong financial performer. Last fiscal year, it posted an average positive earnings surprise of 22.58%. 4. First Solar (NASDAQ:FSLR) provides photovoltaic (PV) solar energy solutions in the United States, France, Japan, Chile and internationally. Per its public profile, the company manufactures and sells PV solar modules with a thin film semiconductor technology that provides a lower-carbon alternative to conventional crystalline silicon PV solar modules… It's still risky but it could be a compelling wager for alternative energy stocks. 5. Clearway Energy (NYSE:CWEN) Per its corporate profile, Clearway has approximately 6,000 net megawatts (MW) of installed wind, solar and energy generation projects. It also features approximately 2,500 net MW of natural gas-fired generation facilities… The most optimistic analyst believes that Clearway Energy has… over 62% upside potential. 6. Brookfield Renewable (NYSE:BEPC) owns and operates a portfolio of renewable power and sustainable solution assets primarily in the U.S., Europe, Colombia and Brazil. According to its corporate profile, Brookfield operates hydroelectric, wind, solar and distributed energy and sustainable solutions with an installed capacity of approximately 19,161 MW… Shares feature a moderate buy consensus view. 7. Clean Energy Fuels (NASDAQ:CLNE) provides natural gas as alternative fuels for vehicle fleets and related fueling solutions in the U.S. and Canada… Clean Energy Fuels ranks as the highest-risk, highest-reward prospect on this list of alternative energy stocks. Analysts rate shares a consensus strong buy… projecting over 215% upside potential.” End quotes. ------------------------------------------------------------- Other Honorable Mentions – not in any order 1. Title: Qualcomm a Top Socially Responsible Dividend Stock With 2.1% Yield (QCOM) on nasdaq.com. By BNK Invest. 2. Title: This ESG ETF Is Bucking the Trend on etftrends.com. By Nick Peters-Golden. 3. Title: 10 Best Brokers For ESG Investing in 2024 on benzinga.com. By Sam Boughedda. 4. Title: Invest in the Planet: 3 Sustainable Stocks for Earth Day 2024 on investorplace.com. By Andrea van Schalkwyk. 5. Title: 3 Renewable-Focused ETFs Just Hit 3-Year Lows. Are They Worth Buying Now? On fool.com. By Daniel Foelber. 6. Title: 7 stock picks for ESG-conscious investors on equities.com. By Faizan Farooque. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “Best Ethical, ESG Stocks, for 2024.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these deeply troubled times! Contact me if you have any questions. Thank you for listening. I'll talk to you next on May 17th. Bye for now.   © 2024 Ron Robins, Investing for the Soul

Transcript & Links, Episode 125, March 8, 2024 Hello, Ron Robins here. So, welcome to this podcast episode 125 titled “Top Ethical Companies and ESG Dividend Stocks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Now, remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 5 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1. World's Most Ethical Companies in 2024 The first article for this episode is another great company ranking I've been following for many years. A press release titled World's Most Ethical Companies in 2024 best describes this ranking. It was found on finance.yahoo.com. Here are some quotes from it. “Ethisphere, a global leader in defining and advancing the standards of ethical business practices, today announced the 136 companies that have earned the coveted designation of the World's Most Ethical Companies in 2024. This year's honorees span 20 countries and 44 industries. 2024 marks the 18th annual World's Most Ethical Companies recognition. As in previous years, honorees have demonstrated a commitment to ethical business practices through robust programs that positively impact employees, communities, and broader stakeholders, as well as contributing to sustainable, long-term business growth. The full list of the 2024 World's Most Ethical Companies can be found on Ethisphere's website. There are also six companies—Aflac (AFL), Ecolab (ECL), International Paper (IP), Kao Corporation (KAO0.MU), Milliken & Company (Private), and PepsiCo (PEP)—that have been recognized 18 times, every year since the inception of the World's Most Ethical Companies® in 2007… The Ethics Premium: Integrity Outperforms Ethisphere's Five Year Ethics Premium for 2024 is 12.3% This represents the margin by which publicly traded companies recognized in this year's World's Most Ethical Companies outperformed a comparable index of global companies over a five-year period from January 2019 to January 2024… Methodology The World's Most Ethical Companies assessment is grounded in Ethisphere's proprietary Ethics Quotient®, an extensive questionnaire that requires companies to provide over 240 different proof points on their culture of ethics; environmental, social, and governance (ESG) practices; ethics and compliance program; diversity, equity, & inclusion efforts; and initiatives that support a strong value chain. That data undergoes further qualitative analysis by our panel of experts who spend thousands of hours vetting and evaluating each year's group of applicants. This process serves as an operating framework to capture and codify truly best-in-class practices from organizations across industries and from around the world…” End quotes. ------------------------------------------------------------- 2. 13 Best Environmental Dividend Stocks To Invest In According To Analysts The next two articles are by Vardah Gill who does a terrific job of identifying the top ESG dividend-paying stocks from two perspectives. This first article focuses on dividends from stocks that also have at least a 15% stock price gain potential according to analysts. It's titled 13 Best Environmental Dividend Stocks To Invest In According To Analysts and found on finance.yahoo.com. Here are some quotes from this first article by Ms. Gill, starting with how she conducted her research. “We scanned the holdings of Vanguard ESG U.S. Stock ETF (ESGV), which is a market capitalization-weighted index composed of large-, mid-, and small-cap stocks of companies located in the United States that are screened for certain environmental, social, and corporate governance (ESG) criteria by the index provider, which is independent of Vanguard. From the index, we picked 13 stocks that pay dividends and have a projected upside potential of over 15% based on analyst price targets. The stocks are ranked according to their upside potential, as of February 23. Note: the quoted upside potentials and dividend yields are as of February 23. 13. S&P Global Inc. (NYSE:SPGI) Upside Potential: 15.2% S&P Global Inc. is a leading provider of financial market intelligence, including credit ratings, indices, data, and analytics… (It) currently offers a quarterly dividend of $0.91 per share…  The stock's dividend yield: 0.83%. 12. Pfizer Inc. (NYSE:PFE) Upside Potential: 15.4% An American biotech and pharmaceutical company… The company offers a quarterly dividend of $0.42 per share and has a dividend yield of 6.05%. 11. Mid-America Apartment Communities, Inc. (NYSE:MAA) Upside Potential: 15.9% Mid-America Apartment Communities is a real estate investment trust company that focuses on the acquisition, development, redevelopment, and management of multifamily apartment communities… The stock has a dividend yield of 4.65%. 10. Morgan Stanley (NYSE:MS) Upside Potential: 16.4% Morgan Stanley is a global financial services firm that provides a wide range of related services to its consumers… Morgan Stanley…  currently offers a quarterly dividend of $0.85 per share and has a dividend yield of 3.93%. 9. Becton, Dickinson and Company (NYSE:BDX) Upside Potential: 16.5% Becton, Dickinson and Company is a global medical technology company that specializes in the development, manufacturing, and sale of medical devices, instrument systems, and reagents… The stock's dividend yield… came in at 1.54%. 8. Realty Income Corporation (NYSE:O) Upside Potential: 16.69% It currently pays a monthly dividend of $0.2565 per share and has a dividend yield of 5.81%. 7. Microsoft Corporation (NASDAQ:MSFT) Upside Potential: 16.8% Microsoft Corporation… pays a quarterly dividend of $0.75 per share and has a dividend yield of 0.73%. 6. Archer-Daniels-Midland Company (NYSE:ADM) Upside Potential: 17.04% The global food processing and commodities trading company… currently pays a quarterly dividend of $0.50 per share and has a dividend yield of 3.74%. 5. NIKE, Inc. (NYSE:NKE) Upside Potential: 17.60% NIKE is a multinational corporation that designs, develops, markets, and sells athletic footwear, apparel, equipment, accessories, and services worldwide… currently pays a quarterly dividend of $0.37 per share and has a dividend yield of 1.40%. 4. Air Products and Chemicals, Inc. (NYSE:APD) Upside Potential: 18.16% Air Products and Chemicals is an American gases company that specializes in producing and distributing atmospheric gases, process gases, and specialty gases… the stock has a dividend yield of 3.04%. 3. Albemarle Corporation (NYSE:ALB) Upside Potential: 22.08% Albemarle Corporation is a global specialty chemicals company that develops, manufactures, and markets a wide range of chemicals and chemical-based products… The stock's dividend yield: 1.33%. 2. AT&T Inc. (NYSE:T) Upside Potential: 22.3% AT&T is an American multinational telecommunications conglomerate… It currently pays a quarterly dividend of $0.2775 per share and has a dividend yield of 6.61%. 1. American Tower Corporation (NYSE:AMT) Upside Potential: 26.6% An American real estate investment trust company, American Tower Corporation tops our list of the best environmental dividend stocks… The company… currently pays a quarterly dividend of $1.70 per share… the stock offers a dividend yield of 3.58%.” End quotes. ------------------------------------------------------------- 3. 12 Best ESG Dividend Stocks to Buy According to Hedge Funds This second article by Ms. Gill is titled 12 Best ESG Dividend Stocks to Buy According to Hedge Funds. The companies – though also derived from the Vanguard U.S. Stock ETF – are ranked by hedge fund ownership. The only duplicate company in the two lists is Microsoft. So, here's Ms. Gill's description of her methodology and edited brief quotes about the selected companies. “We scanned the holdings of Vanguard ESG U.S. Stock ETF (ESGV) which is a market capitalization-weighted index composed of large-, mid-, and small-cap stocks of companies located in the US that are screened for certain environmental, social, and corporate governance (ESG) criteria by the index provider, which is independent of Vanguard. From the index, we picked 12 stocks that pay dividends and have garnered the most attention from hedge fund investors by the conclusion of Q4 2023, using data from Insider Monkey's database. The stocks are ranked in ascending order of the number of hedge funds having stakes in them. Hedge funds' top 10 consensus stock picks outperformed the S&P 500 Index by more than 140 percentage points over the last 10 years (see the details here). Note: quoted dividend yields are as of February 28. 12. The Procter & Gamble Company (NYSE:PG) Number of Hedge Fund Holders: 71 The Procter & Gamble Company is an Ohio-based multinational consumer goods company… (It) currently offers a quarterly dividend of $0.9407 per share and has a dividend yield of 2.36%. 11. AbbVie Inc. (NYSE:ABBV) Hedge Fund Holders: 76 The global biopharmaceutical company's… dividend yield: 3.46%. 10. Broadcom Inc. (NASDAQ:AVGO) Hedge Fund Holders: 91 Broadcom is a multinational technology company that designs, develops, and supplies a broad range of semiconductor and infrastructure software solutions. The company pays a quarterly dividend of $5.25 per share and has a dividend yield of 1.62%. 9. Merck & Co., Inc. (NYSE:MRK) Hedge Fund Holders: 98 Merck & Co. is an American multinational pharmaceutical company… The company currently offers a quarterly dividend of $0.77 per share and has a dividend yield of 2.39%. 8. Eli Lilly and Company (NYSE:LLY) Hedge Fund Holders: 102 An American pharmaceutical company, Eli Lilly… offers a quarterly dividend of $1.30 per share… The stock's dividend yield came in at 0.68%. 7. JPMorgan Chase & Co. (NYSE:JPM) Hedge Fund Holders: 103 JPMorgan Chase & Co. provides a wide range of banking services to individuals, businesses, and institutions… it pays a quarterly dividend of $1.05 per share and has a dividend yield of 2.29%. 6. UnitedHealth Group Incorporated (NYSE:UNH) Hedge Fund Holders: 113 UnitedHealth Group Incorporated… offers a per-share dividend of $1.88 every quarter… the stock has a dividend yield of 1.52%. 5. Apple Inc. (NASDAQ:AAPL) Hedge Fund Holders: 131 Apple declared a quarterly dividend of $0.24 per share on February 1… The stock's dividend yield: 0.53%. 4. Mastercard Incorporated (NYSE:MA) Hedge Fund Holders: 141 The global financial tech company… offers a quarterly dividend of $0.66 per share… with a dividend yield of 0.56%. 3. Visa Inc. (NYSE:V) Hedge Fund Holders: 162 It offers a quarterly dividend of $0.52 per share and has a dividend yield of 0.74%. 2. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Holders: 173 On February 22, the company announced a quarterly dividend of $0.04 per share… The stock has a dividend yield of 0.02%. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Holders: 302 Microsoft Corporation tops our list of the best ESG dividend stocks… The company… pays a quarterly dividend of $0.75 per share. The stock's dividend yield: 0.74%.” End quotes. ------------------------------------------------------------- 4. 4 Clean Energy Stocks That Have Defied the Odds Now, since clean energy stocks have had such a hard time recently, I thought that this article would interest many of you. It's titled 4 Clean Energy Stocks That Have Defied the Odds. It's by Avi Salzman and seen on barrons.com. Here's a key chart from the article. “Clean energy stocks had a miserable 2023… The WilderHill Clean Energy Index is down 47% in the past year… It's worth understanding what has set the handful of winning stocks apart. Several of them help facilitate clean energy projects, without being on the hook for financing them. Green Energy Winners Company / Ticker Recent Price Market Value (billion) YTD Price Change 2024 P/E Nextracker / NXT $57.94 $8.4 23.7% 20 MYR Group / MYRG 163.66 2.7 13.2 25 Quanta Services / PWR 234.39 34.2 8.6 28 Gentherm / THRM 55.68 1.8 6.3 21 Source: FactSet” End quotes. ------------------------------------------------------------- Other Honorable Mentions – not in any order. 1. Title: 12 Best Wind Power and Solar Stocks To Buy on yahoo.com. By Fahad Saleem. 2. Title: 7 Renewable Energy Stocks That Could be Overlooked Gems on investorplace.com. By Chris Markoch. 3. Title: 5 Biggest Clean Energy ETFs in 2024 on nasdaq.com. By Melissa Pistilli. 4. Title: 8 Best Green Stocks and ETFs to Buy for 2024 on money.usnews.com. By Matt Whittaker. 5. Title: The Top 3 Infrastructure Stocks to Buy in March 2024  on investorplace.com. By Charles Munyi. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “Top Ethical Companies and ESG Dividend Stocks.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these deeply troubled times! Contact me if you have any questions. Thank you for listening. I'll talk to you next on March 22nd. Bye for now.   © 2024 Ron Robins, Investing for the Soul

**Be a founding member of the SO MONEY Members Club** Today's guest is Vrinda Gupta, CEO & Co-Founder of Sequin, a women's financial guidance and high interest banking membership club designed by women, for women. She is a globally recognized credit expert who helped launch the popular Chase Sapphire Reserve credit card at Visa Inc. and received her MBA from Berkeley Haas. Receive 40% off discount on an annual plan: sequincard.com/somoney Hosted on Acast. See acast.com/privacy for more information.

After the recent release of Visa Inc's earnings report, the company's CEO, Ryan McInerney, expressed a positive outlook on the firm's 2024 performance to their investors. Revealing that "We are off to a solid start in 2024. Consumer spending remained resilient with first-quarter year-over-year payments volume growth at 8%. U.S. payments volume grew 5% year-over-year. International payments volume grew 11%," the CEO's sentiments reiterated the company's strong Q1 start. In terms of finances, Visa Inc.'s performance reflected the CEO's statement, as seen in an 8% year-over-year increase in payments volume—indicative of resilient consumer spending. Additionally, net revenues saw an increase of 9%, with both GAAP EPS and non-GAAP EPS witnessing growth of 20% and 11%, respectively; a testament to the company's overall performance. Strategic actions from Visa Inc. came in the form of expanding contactless payment locations, a move that aligns with the global shift toward cashless transactions. Alongside this, the company has also pursued new opportunities for collaborations and use cases, primarily focusing on cross-border transactions. To offer added value to its clients, Visa Inc. leveraged its reach by providing a range of services including issuing, acceptance, risk and identity solutions, and advisory services. Although specific consumer trends information wasn't provided in the earnings call, the firm's communication revealed that consumer spending was generally resilient. Growth was especially noticeable in certain key regions—Latin America, CEMEA, Europe, and particularly, U.S. outbound transactions—highlighting the company's ability to optimize based on region-specific consumer trends. McInerney furthered his initial outlook by stating, "In the first quarter, Visa once again demonstrated the effective execution of our strategy across the globe." This, again, underscores the company's commitment to serving their customers and continually seeking out new opportunities. Other pledges Visa Inc. made include further expanding their acceptance locations and enhancing their range of value-added service offerings. Partnerships with recognised brands like FIFA and the Red Bull Formula One teams were also mentioned, representing the company's dedication to innovation and maintaining a global footprint. In summary, Visa Inc's Q1 2024 performance reflects its ability to adapt and take decisive actions based on consumer trends and organizational analysis. Their strategic focus, as stated in the earnings call, includes diversifying their acceptance locations and building strategic partnerships to deliver superior value-added services. Given the information revealed to the investors on the earnings call, it appears that Visa Inc. is cautiously optimistic regarding its industry position, growth prospects, and overall resilience amidst evolving global market trends. V Company info: https://finance.yahoo.com/quote/V/profile For more PSFK research : www.psfk.com  This email has been published and shared for the purpose of business research and is not intended as investment advice.

How do you know when it is time for a change in your business or career? Change is coming at us from all directions – some by choice and much by circumstance. Are you ready to harness change to achieve the best outcomes, to purposefully navigate change to clarify, embrace and activate new opportunities, rather than be controlled by it? Change doesn't have to be big gigantic steps.Laurie Hirsch Schulz launched LHS Coaching in 2018 following 20+ year career in marketing strategy leadership positions with Visa Inc and Kraft Foods. As a transition and transformation coach, Laurie partners with career explorers, solopreneurs and non-profit founders who are at professional inflection points to navigate through change to clarify, embrace and activate new opportunities. Laurie coaches at the intersection of work and life, supporting her clients to break through what is holding them back from change, define what's next and "Map their Next Move".  In this episode, we discuss when it is time for change in your business or career, plus tips for navigating change, the importance of a growth mindset, seeking advice, external accountability, mapping your next move, and more! 02:08 - How Laurie got into the business of change06:49 - When is it time for change? Inflection points15:07 - Tips for navigating change / growth mindset18:05 - Seeking advice / external accountability 24:39 - What's holding people back from change?31:37 - Mapping your next move35:38 - Getting comfortable with change39:21 - Final thoughts40:32 - Where to find LaurieConnect with Laurie - www.linkedin.com/in/lauriehirschschulzVisit LHS Coaching  - https://lhscoaching.com/…Hosted by Hilda Gan - ca.linkedin.com/in/hildagan Visit us at - peoplebrightconsulting.comFollow usLinkedIn - www.linkedin.com/company/pplbrightTwitter - twitter.com/pplbright Facebook - www.facebook.com/pplbrightInstagram - www.instagram.com/pplbright/ Hilda Gan is a sought-after expert on effective HR strategies, work culture enhancement, and employee engagement. Unique among HR consultants, Hilda combines over 25 years of HR expertise with business acumen and business owner experience.People Bright Consulting is an award-winning HR Management Consulting firm that helps leaders of companies build the foundations for successful hiring, healthy and inclusive work culture, and engaged staff. It starts with listening to our clients and finding pragmatic customized business solutions to HR problems.#career #job #change #careeradvice #business #motivation

This week Tiffany is joined by Vrinda Gupta. Vrinda Gupta is the CEO & Co-Founder of Sequin (www.sequincard.com/brownambition), a women's banking and financial education membership club designed by women, for women. She is a globally recognized credit expert by Forbes, ABC7 News, and Fintech Magazine, who helped launch the popular Chase Sapphire Reserve credit card at Visa Inc. Vrinda lives in San Francisco, California, and is a proud first-generation Indian immigrant. IG: @sequinclub TikTok: @sequinclub  LinkedIn: @sequinclub  Vrinda Gupta IG: @vrinda.gupta  40% off discount on an annual plan: sequincard.com/brownambition Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week Tiffany is joined by Vrinda Gupta. Vrinda Gupta is the CEO & Co-Founder of Sequin (www.sequincard.com/brownambition), a women's banking and financial education membership club designed by women, for women. She is a globally recognized credit expert by Forbes, ABC7 News, and Fintech Magazine, who helped launch the popular Chase Sapphire Reserve credit card at Visa Inc. Vrinda lives in San Francisco, California, and is a proud first-generation Indian immigrant.IG: @sequinclubTikTok: @sequinclub LinkedIn: @sequinclub Vrinda Gupta IG: @vrinda.gupta 40% off discount on an annual plan: sequincard.com/brownambition Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee omnystudio.com/listener for privacy information.

Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! covers an unusually diverse range of ESG stocks and funds. Transcript & Links, Episode 119, December 1, 2023 Hello, Ron Robins here. So, welcome to this podcast episode 119 titled “Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. And look at my newly revised website at investingforthesoul.com! Tell me what you think. Now, remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 6 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1. Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! In this podcast, I'm going to cover a few articles with some unusual ESG and sustainable stock recommendations. The first article is titled 3 Sustainable Fashion Stocks Set to Redefine the Industry. It's by Muslim Farooque and found on investorplace.com. Now some quotes from Mr. Farooque. “In the realm of the clothing sphere, notorious for its environmental footprint, a transformation is underway. Global brands that are typically part of the problem are now passionately championing the cause of sustainable fashion. 1) Tapestry (NYSE:TPR) is the parent company behind popular luxury brands in Coach, Kate Spade, and Stuart Weitzman. Tapestry's commitment to sustainability is evident in its ‘Fabric of Change' ESG strategy. According to its 2022 sustainability report, the company aims to reduce greenhouse gas emissions by 42.5% by 2030, targeting net zero by 2050. Tapestry's social responsibility efforts include aligning executive compensation with equity, inclusion, and diversity goals. These dual focuses on financial performance and sustainability make Tapestry a compelling choice for investors targeting long-term growth and corporate responsibility. 2) PVH (NYSE:PVH) housing popular brands like Calvin Klein and Tommy Hilfiger, is one of the most noteworthy players sustainably and ethically. PVH's ‘Forward Fashion' strategy represents an active transformation. Further, it focuses on climate action, human rights, and diversity, incorporating a comprehensive climate risk scenario analysis. The company has achieved 60% renewable energy usage in its facilities… PVH is deeply invested in social equity by launching a global mentorship program focusing on diversity… This balance of solid financials marked by impressive profitability metrics and a steadfast commitment to sustainability and diversity makes PVH a standout in the apparel sphere. 3) Lululemon (NASDAQ:LULU) is a renowned athletic apparel maker, making remarkable strides in both financial performance and sustainable business practices… Lululemon's shares are soaring in value lately, approaching an all-time peak as it joins the prestigious S&P 500 index… In tandem with its financial achievements, Lululemon is ardently pursuing its ‘Impact Agenda', committed to sustainability and equitable business operations. The company aims to achieve full diversity and pay equity within the next couple of years. This proves their commitment to the well-being of over 100,000 supply chain workers… Recently, it pledged a $75 million investment towards global social impact by 2025 while setting ambitious targets. The first is ensuring 100% sustainable materials in their products by 2030 and achieving 75% by 2025. Moreover, it is committing to… reducing carbon emissions in its supply chain by 60% by 2030. Therefore, its dual focus on solid financial growth and impactful sustainability initiatives positions Lululemon as a leader in both the business and environmental spheres.” End quotes. ------------------------------------------------------------- 2. Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! Now many investors will consider infrastructure stocks in their portfolios. So, this article caught my attention. It's titled 3 Infrastructure Stocks to Buy as They Build the Future. The author is Noah Bolton and found on nasdaq.com. Here are some quotes from the article. “1) Fluor (NYSE:FLR) is a construction company based in Irving, Texas. They engage in energy markets, including decarbonization, renewable fuels and nuclear power. They also serve the oil and gas industries and provide management services for the industrial, information technology and healthcare industries… Year-to-date, their share price has risen 12%. They are a solid infrastructure company with strong fundamentals, and having multiple segments of its business offers diversification within one company. 2) Limbach Holdings (NASDAQ:LMB) is a building solutions business based in Warrendale, Pennsylvania. They design, fabricate, install and provide maintenance for electrical, plumbing, and HVAC systems. Limbach Holdings services hospitals, colleges, laboratories and other facilities. Over the past year, their share price has increased 300%... They have a robust balance sheet, which still offers investors projected growth. 3) CECO Environmental (NASDAQ:CECO) located in Dallas, Texas, is a pollution reduction company in industrial air quality and water treatment. CECO designs and manufactures flow control products, expansion joints, dust collectors, filtration systems and other water treatment technology… CECO Environmental has had a great year so far… and a 78% growth in their stock price within the last year. It's a great pick for investors looking for companies helping to reduce the effects of climate change and pollution.” End quotes. ------------------------------------------------------------- 3. Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! Now it's been a while since I had an article on renewable energy funds, and this one comes from a highly regarded source. It's titled 10 Clean Energy Funds to Freshen Up Your Portfolio by Alyssa Stankiewicz on morningstar.com. Here's some of what Ms. Stankiewicz says. “These funds are well regarded by Morningstar's analysts and deliver high exposure to climate impact. Data as of October 2023 except for the Morningstar Medalist Rating, which is effective as of September 2023… *Climate Action Impact Exposure refers to the percentage of each portfolio that is covered by Sustainalytics and determined to be involved in Climate Action impact. End quotes. ------------------------------------------------------------- 4. Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! And back to a sector that's top of mind for ethical and sustainable investors with this article titled Unlocking Incredible Solar Energy Potential: 3 Stocks to Invest in Now. It's by Chandler Capital and found on investorplace.com. “While large giants like Tesla (NASDAQ:TSLA) and NextEra Energy (NYSE:NEE) have begun paving the way in renewable energy, in this article, we wanted to highlight three more hidden gems with the potential to be the next dominant leader in the solar energy space.  1) Enphase Energy (NASDAQ:ENPH) is the world's leading supplier of game-changing micro-inverter technology. With 765 patents globally and a customer base across over 145 different countries, Enphase Energy finds itself ahead of the competition in solar innovation. In fact, Yahoo Finance analysts estimate it will trade around at a one-year price average of $116.09. 2) First Solar (NASDAQ:FSLR) is one of the leading providers of solar panels and utility-scale power scales as the company continues to pave the next generation of solar technology. Yahoo Finance analysts estimate it will trade within a one-year price range of $157.56 to $326, averaging at around $232.34. 3) Altus Power (NYSE:AMPS) is a prominent player in the energy sector, contributing to the shift to solar energy through managing commercial and community-wide solar facilities. Altus Power just recently revealed its new Atlus IQ, an AI-powered cloud-based tool that gives insights on energy usage and generates solar savings. From real-time monitoring and solutions to comprehensive reports and seamless portfolio integration, Atlus IQ will only accelerate Atlus Power's growth.” End quotes. ------------------------------------------------------------- 5. Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds! Continuing on the renewable energy theme is this post titled The 3 Most Undervalued Renewable Energy Stocks to Buy: November 2023. It was written by Faisal Humayun and seen on investorplace.com. Here are some brief comments on each of his picks. “These are the undervalued renewable energy stocks to buy for robust returns First Solar (FSLR) Positioned for accelerated growth as new facilities are operational and I expect margin expansion to sustain. Plug Power (PLUG) Even with financing challenges coupled with doubts on execution capabilities, PLUG stock is deeply oversold. SolarEdge (SEDG) Operating losses are a concern, but there is ample scope for growth in emerging markets in the coming years”. End quotes. ------------------------------------------------------------- 7 Dividend Stocks With Good ESG Scores In this next article titled 7 Dividend Stocks With Good ESG Scores – will appeal to many investors. It's by Jeff Reeves and discovered on money.usnews.com. Some quotes and a table follow. “According to the Dow Jones Sustainability World Index, which utilizes S&P Global's ESG Scores, the following seven stocks all are among the top 10% of corporations globally based on ESG scores. They also are all more than $40 billion in market value, showing they can achieve these social goals at scale. ESG STOCK S&P GLOBAL ESG SCORE TRAILING DIVIDEND YIELD at Nov. 15 close ASML Holding NV (ticker: ASML) 82 1.2% AstraZeneca PLC (AZN) 78 2.3% Hilton Worldwide Holdings Inc. (HLT) 64 0.4% Microsoft Corp. (MSFT) 55 0.9% Toyota Motor Corp. (TM) 43 2.3% UnitedHealth Group Inc. (UNH) 65 1.3% Visa Inc. (V) 61 0.8% 1) ASML Holding NV (ASML) Dutch semiconductor company ASML… is head and shoulders above its peers when it comes to ESG metrics. By 2030, ASML aims to send zero waste from operations to landfills or incinerators… It also has invested heavily in a diverse global workforce. 2) AstraZeneca PLC (AZN) U.K.-based Big Pharma giant AstraZeneca stands out as a worldwide leader in environmental, social justice and corporate governance programs… It also has roughly 50% female representation on its board, and has already achieved a roughly 60% reduction in greenhouse gas emissions between 2015 and 2022. 3) Hilton Worldwide Holdings Inc. (HLT) Hilton stands out as a leader in the corporate world thanks to its broad-based approach to ESG… The organization is also focused on world-class standards for sustainable sourcing and human rights in every area where it operates around the globe. 4) Microsoft Corp. (MSFT) is regularly among the most-respected corporations in the world as measured by ESG criteria. Just a few features of its policies include plans to be carbon negative by 2030 and to be a zero-waste organization by that same year. 5) Toyota Motor Corp. (TM) What makes Toyota an ESG leader is its actions outside of the showroom, guided by principles of environmentalism and social justice. For instance, in North America the automaker recycled 93% of waste materials in fiscal year 2022. And this year, its key Long Beach port is exclusively using 100% of electricity from renewable sources. 6) UnitedHealth Group Inc. (UNH) Insurance giant UnitedHealth is among one of the most progressive organizations on Wall Street when it comes to ESG measures. On the social justice side, the firm has committed to investing $100 million to create a new philanthropic program and partnerships that will measurably advance a diverse health workforce by 2033. UnitedHealth also plans to invest and source 100% of its global electricity demand with renewable sources by 2030. 7) Visa Inc. (V) Payments processing giant Visa is committed to achieving net-zero emissions by 2040… What is noteworthy is its other ESG efforts, including a push to increase the number of individuals from historically underrepresented groups at the vice president level and above to 50% by the end of 2023.” End quotes. ------------------------------------------------------------- Other Honorable Mentions – not in any order. 1) Title: 3 ESG Stocks to Profit While Making a Positive Impact on investorplace.com. By Marie Brodbeck. 2) Title: The Future Is Green: 3 Must-Have Renewable Energy Stocks for 2024 on investorplace.com. By Rick Orford. 3) Title: What is Impact Investing and 7 Companies That are Transforming the Future on finextra.com. By Shoshana Weizenblut. 4) Title: 3 Alternative Energy Stocks to Power Up Your Profits on investorplace.com. By Larry Ramer. 5) Title: The Ethical Investor: Buy this kind of mining stock if you love both profit and the environment on stockhead.com.au. By Eddy Sunarto. 6) Title: 11 Best Halal Dividend Stocks To Buy on yahoo.com. By Vardah Gill. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “Great ESG Fashion, Infrastructure, and Clean Energy Stocks and Funds!” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these very troubled times! Contact me if you have any questions. Thank you for listening. And, again, please look at my new totally revised website at investingforthesoul.com. Tell me what you think! Talk to you next on December 15th! Bye for now.   © 2023 Ron Robins, Investing for the Soul

The most recent earnings report from Visa Inc. shed light on the company's current standing in the market. CEO Christopher Suh expressed confidence in the state of the consumer market despite the existing macroeconomic uncertainty during the earnings call with investors. Their assessment is based on Visa's stable business performance during the first three weeks of November, mirroring the trends from the previous quarter. As the global financial landscape braves headwinds like macro uncertainties, exchange rate fluctuations, and varying cross-border volumes, Visa continues to demonstrate solid performance. The resilience stems from its steady operation metrics, particularly the volume and number of transactions made. Adding to its robust performance, according to the company's executives, Visa has been quick to adapt to the evolving market dynamics. One notable change is the increased authorization and credentials for consumer payments. These changes have helped in boosting customer engagement levels. Additionally, Visa is exploring new avenues of money movement beyond just core consumer payments, thus expanding their sphere of influence. Visa's effort for more reach and influence is not limited to product enhancements. Geographical expansion of value-added services has been a key agenda for the company. The Visa Direct platform is a notable example of these efforts. Establishing new revenue streams, Visa Direct supports peer-to-peer transactions, fuels cross-border remittances, and offers support to gig workers. Strategic markets like Colombia have been crucial for the company's pursuit of growth, as stated during the earnings call. Visa's interest here is in increasing its processing share, a move that will do more than just expansion. It paves the way for the delivery of more value-added services. The future strategy of the financial giant seems to revolve around three key aspects: consumer payments, new flows, and value-based services. The company is endeavoring to solidify its client relationships further, chart new territories, and bring innovative solutions to the table. To make their services foolproof, Visa places a heavy emphasis on tokenization to prevent fraud, and aims to improve authorization rates. To sum it up, Visa Inc. appears to be confidently weathering any challenges that the prevailing financial climate presents, as declared in their recent earnings call. The ability to pivot and adapt is what bolsters Visa's resilience, underpinned by steady business metrics and a dedication to adapting as per their consumer's needs. V Company info: https://finance.yahoo.com/quote/V/profile For more PSFK research : www.psfk.com  This email has been published and shared for the purpose of business research and is not intended as investment advice.

The Best ESG Stocks for Potential Gains. Includes 2023 ranking of best ESG companies and best solar and renewable stocks. Transcript & Links, Episode 117, November 3, 2023 Hello, Ron Robins here. So, welcome to this podcast episode 117 titled “The Best ESG Stocks for Potential Gains.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. And look at my newly revised website at investingforthesoul.com! Tell me what you think. Now, remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 3 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1) The Best ESG Stocks for Potential Gains I'm beginning with this article titled 13 Best ESG Stocks To Buy Now by Syed Ijaz seen on finance.yahoo.com. Here's some of what Mr. Ijaz has to say. “We selected 40 companies from the Vanguard ESG U.S. Stock ETF (ESGV) and iShares ESG Aware MSCI EAFE ETF (ESGD). We then picked the largest companies in terms of capitalization and then ranked them based on Insider Monkey's database of 910 hedge funds tracked at the end of Q2 this year… 13. JPMorgan Chase & Co. (NYSE:JPM) Number of Hedge Fund Holders: 106 In 2022, JPMorgan Chase financed and facilitated about $197 billion in climate, community development and sustainable development projects and initiatives. 12. Adobe Inc. (NASDAQ:ADBE) Hedge Fund Holders: 109 The company has developed and implemented ESG initiatives over the years… The company thoroughly focuses on its diversity, equity and inclusion activities. 11. UnitedHealth Group Incorporated (NYSE:UNH) Hedge Fund Holders: 111 UnitedHealth Group is a part of the National Academy of Medicine's Action Collaborative on Decarbonizing the US Health Sector and expects to reach operational net-zero target by 2035. 10. Netflix, Inc. (NASDAQ:NFLX) Hedge Fund Holders: 114 In terms of ESG, the firm plans to halve its emissions by 2030. 9. Salesforce, Inc. (NYSE:CRM) Hedge Fund Holders: 122 In its fiscal 2023 ESG report, the California-based company said that it maintained net zero residual emissions and provided more than $82 million as grants and donations to partners and communities globally. 8. Apple Inc. (NASDAQ:AAPL) Hedge Fund Holders: 135 By 2030, the technology giant expects to manufacture all products carbon neutral. 7. Mastercard Incorporated (NYSE:MA) Hedge Fund Holders: 139 It intends to reach net-zero emissions by 2040 and support its suppliers' decarbonizing strategies. 6. Alphabet Inc. (NASDAQ:GOOG) Hedge Fund Holders: 152 Alphabet has planned to commit to net-zero emissions throughout all of its operations and value chain by 2030. 5. Visa Inc. (NYSE:V) Hedge Fund Holders: 171 Starting in 2020, Visa achieved carbon neutrality throughout its operations and transitioned to 100% renewable electricity. 4. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Holders: 175 NVIDIA has set a target to achieve and maintain 100% renewable electricity across its operations and data centers by fiscal 2025. 3. Meta Platforms, Inc. (NASDAQ:META) Hedge Fund Holders: 225 In its 2023 sustainability report, Meta's Vice President of Data Center Strategy Rachel Peterson said that the firm is moving towards the goals of net zero emissions throughout the value chain and becoming water positive across its operations, anticipating to attain both of these benchmarks in 2030. 2. Amazon.com, Inc. (NASDAQ:AMZN) Hedge Fund Holders: 278 The company intends to achieve net-zero carbon emissions by 2040 and empower its operations with 100% renewable energy by 2025. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Holders: 300 By 2030, Satya Nadella-led Microsoft Corporation expects to be carbon negative and by 2050, it intends to eliminate its emissions.” End quotes. ------------------------------------------------------------- 2) The Best ESG Stocks for Potential Gains Next, we have this great ESG ranking. The article is titled IBD's 100 Best ESG Companies For 2023. It's by Adam Shell on investors.com. This is some of what Mr. Shell has to say. “Topping the list this year is Microsoft (MSFT). Applied Materials (AMAT) took second place. In third place is Woodward (WWD). Best ESG Companies Methodology To build the 2023 100 Best ESG Companies list, we started with each company's ESG sustainability score created by Dow Jones Newswires, an IBD affiliate. These scores capture a broad spectrum of information on the ESG profile of more than 6,000 global companies. On Aug. 24, IBD asked Dow Jones for an ESG-scored list of all the U.S.-traded companies it tracks, a total of 2,067. We then cut the list to 1,559 companies on Aug. 25 by removing nonpublic companies and companies with stock prices below $10 a share. We also removed any companies that lacked sufficient data to create an IBD Composite Rating. We further qualified the list by removing those companies that did not meet or beat the S&P 500 in the past five years. [From which] We selected the 100 with the highest IBD Composite Rating — all with scores of 81 or better.” End quotes. ------------------------------------------------------------- 3) The Best ESG Stocks for Potential Gains Now we have another similarly titled to the first article above. This article is titled 13 Best Solar Energy Stocks To Invest In Heading Into 2024. It's by Ramish Cheema and found at finance.yahoo.com. Here are some of the points Mr. Cheema made. “To compile our list of the best solar energy stocks to invest in, we used the top 20 stock picks of the Invesco Solar ETF (NYSE:TAN) that are traded on American stock exchanges and ranked them by the number of hedge funds that had bought the shares as of June 2023 using data from Insider Monkey's database of 910 hedge funds. 13. SunPower Corporation (NASDAQ:SPWR) Number of Hedge Fund Investors: 17 SunPower is an American solar company that sells household solar power devices in the U.S. and in Canada. 12. Atlantica Sustainable Infrastructure plc (NASDAQ:AY) Hedge Fund Investors: 18 Atlantica Sustainable Infrastructure is a global British energy company with a renewable energy division. 11. Altus Power, Inc. (NYSE:AMPS) Hedge Fund Investors: 19 Altus Power is a small utility company that operates solar power generation systems used by both private and industrial users. 10. Sunnova Energy International Inc. (NYSE:NOVA) Hedge Fund Investors: 19 Sunnova Energy International is an American company with more than a thousand megawatts of solar power generation capacity in its portfolio. 9. Maxeon Solar Technologies, Ltd. (NASDAQ:MAXN) Hedge Fund Investors: 20 Maxeon Solar Technologies is a Singaporean pure play solar power hardware firm that makes and sells solar panels. 8. Daqo New Energy Corp. (NYSE:DQ) Hedge Fund Investors: 22 Daqo New Energy is a Chinese semiconductor manufacturer that provides products to solar panel manufacturers. 7. Shoals Technologies Group, Inc. (NASDAQ:SHLS) Hedge Fund Investors: 24 Shoals Technologies is a solar hardware company that sells products used to charge batteries and monitor solar power generation systems. 6. Sunrun Inc. (NASDAQ:RUN) Hedge Fund Investors: 24 Sunrun. is a solar power hardware firm that sells solar panels and energy storage systems. 5. Clearway Energy, Inc. (NYSE:CWEN) Hedge Fund Investors: 29 The firm generates thousands of megawatts of electricity through renewable power plants which include solar facilities 4. Array Technologies, Inc. (NASDAQ:ARRY) Hedge Fund Investors: 32 Array Technologies sells hardware products that enable solar panels to track the Sun's movements. 3. SolarEdge Technologies, Inc. (NASDAQ:SEDG) Hedge Fund Investors: 43 SolarEdge Technologies is a backend solar power firm that sells inverters and other associated products. 2. Enphase Energy, Inc. (NASDAQ:ENPH) Hedge Fund Investors: 50 Enphase Energy is one of the largest solar companies in the U.S. It provides micro inverters, batteries, and other solar power products. 1. First Solar, Inc. (NASDAQ:FSLR) Hedge Fund Investors: 51 First Solar sells solar panels to industrial and other large scale users.” End quotes. ------------------------------------------------------------- 4) The Best ESG Stocks for Potential Gains Continuing on the energy theme is this next article titled 3 Alternative Energy Stocks to Buy Amid Rising Wind Turbine Cost. It's by Aparajita Dutta and on Nasdaq.com. Here's some of what Ms. Dutta has to say about her picks. “1. Constellation Energy Corporation (CEG) Based in Baltimore, MD, the company is the nation's largest producer of carbon-free energy and provides sustainable solutions to homes, businesses and public-sector customers… It currently carries a Zacks Rank #2 (Buy). 2. Crescent Energy Company (CRGY) Based in Fort Worth, TX, the company is an independent oil and natural gas company that acquires, explores, develops, exploits and produces crude oil and natural gas properties… It currently carries a Zacks Rank #2.  3. Enlight Renewable Energy (ENLT) Based in Tel Aviv, Israel, the company provides a renewable energy platform that develops, finances, constructs, owns and operates utility-sale renewable energy projects… It currently carries a Zacks Rank #2.” End quotes. ------------------------------------------------------------- 5) The Best ESG Stocks for Potential Gains Yes, yet another listing of 13 stocks. This one is titled 13 Best Alternative Energy Stocks To Buy Now. It's by Faiq Zafar and found on finance.yahoo.com. Her's part of what Mr. Zafar Has to say. “To compile our list of the 13 best alternative energy stocks to buy now, we first made a list of the 30 largest alternative energy companies in the world in terms of their market capitalization… The stocks have been ranked based on the number of hedge funds which hold stakes in them. 13. Brookfield Renewable Partners L.P. (NYSE:BEP) Hedge Fund Holdings: 13 As of 2022, Brookfield Renewable Partners owns more than 200 hydroelectric plants, 150 wind farms, more than 600 solar facilities, and four storage facilities across the world. 12. Sunnova Energy International Inc. (NYSE:NOVA) Hedge Fund Holdings: 19 Sunnova Energy International is an American solar energy company which was founded in 2012. 11. Plug Power Inc. (NASDAQ:PLUG) Hedge Fund Holdings: 20 Plug Power is an American company which focuses on the production of hydrogen fuel cell systems which are geared to replace conventional batteries in electrical equipment and vehicles. 10. Daqo New Energy Corp. (NYSE:DQ) Hedge Fund Holdings: 22 Daqo New Energy is a Chinese alternative energy company which focuses on the manufacture of monocrystalline silicon and polysilicon, which is an essential in the production of solar photovoltaic cells. 9. Sunrun Inc. (NASDAQ:RUN) Hedge Fund Holdings: 24 Sunrun is an American company which manufactures photovoltaic systems and battery energy storage products, specifically for residential consumers. 8. Algonquin Power and Utilities Corp. (NYSE:AQN) Hedge Fund Holdings: 29 Algonquin Power and Utilities is a Canadian clean energy and regulated utility conglomerate with multiple assets across the North American continent. 7. SolarEdge Technologies Inc. (NASDAQ:SEDG) Hedge Fund Holdings: 43 SolarEdge Technologies is an Israeli company… the company was one of the first clean energy companies in the world to successfully commercialize power optimizers, small devices placed behind each solar panel to allow for module-level MPPT and panel-level monitoring. 6. Constellation Energy Corp (NASDAQ:CEG) Hedge Fund Holdings: 46 Constellation Energy. is an American energy company which focuses on the production of electric power, natural gas, and energy management services. 5. Enphase Energy Inc. (NASDAQ:ENPH) Hedge Fund Holdings: 50 Enphase Energy is an American energy technology company which produces and manufactures solar micro-inverters, battery energy storage, and EV charging stations. 4. First Solar Inc. (NASDAQ:FSLR) Hedge Fund Holdings: 51 First Solar is an American energy company which focuses on the manufacture of solar panels, and provides utility-scale PV power plants. 3. NextEra Energy Inc. (NYSE:NEE) Hedge Fund Holdings: 59 NextEra Energy is an American energy company. It is the largest electric utilities holding company in the world by overall market capitalization. As of 2022, more than 60% of NextEra's generating capacity was from clean energy sources. 2. General Electric Co. (NYSE:GE) Hedge Fund Holdings: 71 GE is an American multinational conglomerate which is spread across multiple divisions. 1. Tesla Inc. (NASDAQ:TSLA) Hedge Fund Holdings: 79 Tesla is an American multinational automotive and clean energy company which manufactures electric vehicles, stationary battery storage devices from home to grid-scale, solar panels, and other related products.” End quotes. ------------------------------------------------------------- Other Honorable Mentions – not in any order. 1) Title: White House Investment Bodes Well for This Clean Energy ETF on etftrends.com. By Ben Hernandez. 2) Title: Union Pacific a Top Socially Responsible Dividend Stock With 2.5% Yield (UNP) seen on nasdaq.com. By BNK Invest. 3) Title: Top 10: Renewable Energy Companies in the USA on Energy Magazine energydigital.com. By Charlie King. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “The Best ESG Stocks for Potential Gains.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these very troubled times! Contact me if you have any questions. Thank you for listening. And, again, please look at my new totally revised website at investingforthesoul.com. Tell me what you think! Talk to you next on November 17th! Bye for now.   © 2023 Ron Robins, Investing for the Soul

Visa Inc., Q4 2023 Earnings Call, Oct 24, 2023

Visa Inc., Q3 2023 Earnings Call, Jul 25, 2023

Visa Inc. (V) is a global payments technology company that operates a vast electronic payments network, connecting consumers, businesses, and financial institutions across the globe and enabling seamless and secure transactions in multiple currencies and countries. At the end of the month, we will publish an Arch Capital episode that will cover the company: Airbnb. Listen closely as Brett and Ryan go through the history, financials, and future prospects of Visa. Enjoy the show! ****************************** Subscribe to our Substack to receive free show notes and charts that go along with every episode: https://chitchatmoney.substack.com/ Want updates on future shows and projects? Follow us on Twitter: https://twitter.com/chitchatmoney Contact us: chitchatmoneypodcast@gmail.com Mine Safety Disclosures Blog: https://minesafetydisclosures.com/ Timestamps Company Background | (4:05) Industry | (21:00) Management & Ownership | (32:38) Earnings | (34:42) Balance Sheet | (37:10) Valuation | (39:54) Our Analysis | (40:58) Disclosure: Chit Chat Money hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation. Brett Schafer and Ryan Henderson are general partners and portfolio managers at Arch Capital. Arch Capital and its partners may hold securities discussed on this show.

Episode #10 Tech And Coffee https://techandcoffee.info/ CDC COVID Death Toll https://covid.cdc.gov/covid-data-tracker/#datatracker-home Edinburgh https://edinburgh.org/ Glasgow https://www.scotland.org/about-scotland/scotlands-stories/glasgow Pixelfed - A decentralized social media photo sharing site https://pixelfed.org/ Audacity https://www.audacityteam.org/ Ice Cast https://icecast.org/ Butt - Broadcast Using This Tool https://danielnoethen.de/butt/ FOSDEM Brussels, 2023 https://fosdem.org/2023/news/2022-09-14-fosdem-2023-dates/ Arduboy Mini https://liliputing.com/arduboy-mini-hits-kickstarter-for-29-and-up-tiny-8-bit-game-console-with-300-games-included/ Pine Tab 2 https://arstechnica.com/gadgets/2022/12/pinetab-2-is-a-rockchip-based-linux-powered-repairable-tablet/ NVIDIA 3080 https://www.nvidia.com/en-us/geforce/graphics-cards/30-series/rtx-3080-3080ti/ Pinebook Pro https://www.pine64.org/pinebook-pro/ Pinenote https://www.pine64.org/pinenote/ GDP Win 4 https://www.indiegogo.com/projects/gpd-win-4-smallest-6800u-handheld-console#/ Steam OS https://store.steampowered.com/steamos Steam Deck https://store.steampowered.com/steamdeck Docking Stations For Steam Deck https://store.steampowered.com/steamdeckdock HP Elitedesk G2 Mini https://support.hp.com/us-en/product/hp-elitedesk-800-35w-g2-desktop-mini-pc/7633266 Plex https://www.plex.tv/ Audio Bookshelf https://www.audiobookshelf.org/ Jellyfin https://jellyfin.org/ Helios NAS https://kobol.io/ Synology NAS https://www.synology.com/en-us VIA NAS Board (end of life) https://www.viatech.com/en/support/eol/nas7800-eol/ Huion Graphics Drawing Tablet https://store.huion.com/ X2GO https://wiki.x2go.org/doku.php Nicotine+ https://nicotine-plus.org/ Soulseek http://www.slsknet.org/news/ Diet Pi https://dietpi.com/ Yunohost https://yunohost.org/#/ Open Project https://www.openproject.org/ Nextcloud https://nextcloud.com/ Wire Guard https://www.wireguard.com/ Proxmox https://www.proxmox.com/en/ Linode https://www.linode.com/ Podman - manage containers https://podman.io/ Open Media Vault https://www.openmediavault.org/ NAS4FREE (now called XigmaNAS) https://xigmanas.com/xnaswp/ SAMBA https://www.samba.org/ Wacom Intuos Drawing Tablets https://www.wacom.com/en-us/products/pen-tablets/wacom-intuos Garuda Linux https://garudalinux.org/ btrfs (ButterFS) https://btrfs.wiki.kernel.org/index.php/Main_Page Jessica Garson https://pyvideo.org/speaker/jessica-garson.html Fox Dot - Live Coding with Python https://github.com/Qirky/FoxDot GTK https://www.gtk.org/ bulky https://pypi.org/project/bulky/ Toy Pizza Oven https://www.melissaanddoug.com/products/top-bake-pizza-counter-wooden-play-food Crayola Drawing Pad https://shop.crayola.com/toys-and-activities/ultimate-light-board-choose-your-color-7472.html Joplin https://joplinapp.org/ Lotus Notes https://en.wikipedia.org/wiki/HCL_Domino GNOTE https://wiki.gnome.org/Apps/Gnote SUSE Linux https://www.suse.com/ Keepass https://keepass.info/ Blackberry https://www.blackberry.com/us/en/products/devices InSync (Sync to Google drive) https://www.insynchq.com/ Keypass XC https://keepassxc.org/ Bitwarden https://bitwarden.com/ Geocities https://en.wikipedia.org/wiki/Yahoo!_GeoCities Angelfire https://www.angelfire.lycos.com/ Yubikey https://www.yubico.com/ Linux Mint https://linuxmint.com/ ASUS Vivobook https://www.asus.com/us/laptops/for-home/vivobook/ Mastodon https://mastodon.social/explore South Park https://southpark.cc.com/ Mastercard https://www.mastercard.us/en-us.html westernunion: Notify your bank before using a credit or debit card when traveling. ftc: What To Know About Credit Freezes and Fraud Alerts. wikipedia: Mastercard Inc. (stylized as MasterCard from 1979–2016, mastercard from 2016–2019) is the second-largest payment-processing corporation worldwide. wikipedia: Eurocard was a credit card, introduced in 1964 by a Swedish banker in the Wallenberg family as an alternative to American Express. visitsweden: Currency, credit cards and money in Sweden. wikipedia: Visa Inc. (/ˈviːzə, ˈviːsə/; stylized as VISA) is an American multinational financial services corporation headquartered in San Francisco, California. mewe: Brilliant features with no BS. No Ads. No Spyware. MeWe is the Next-Gen Social Network. hplovecraft: HOWARD PHILLIPS LOVECRAFT (20 August 1890–15 March 1937) is probably best known as a writer of weird fiction, but some believe his voluminous correspondence to be his greatest accomplishment. wikipedia: Lovecraftian horror, sometimes used interchangeably with "cosmic horror", is a subgenre of horror fiction and weird fiction that emphasizes the horror of the unknowable and incomprehensible more than gore or other elements of shock. adultswim: Rick and Morty is an American adult animated science-fiction sitcom created by Justin Roiland and Dan Harmon for Cartoon Network's nighttime programming block Adult Swim. wikipedia: Facebook is an online social media and social networking service owned by American company Meta Platforms. wikipedia: Twitter is an online social media and social networking service owned and operated by American company Twitter, Inc., on which users send and respond publicly or privately 280-character-long messages, images and videos known as "tweets". climagic: Command LIne Magic (CLIMagic). climagic: Indiana Linux Fest 2012. element: Element is a free and open-source software instant messaging client based on the Matrix protocol. Element supports end-to-end encryption, groups, channels and sharing of files between users. matrix: Linux Lug Cast on Matrix. matrix: HPR on Matrix. wikipedia: Atom was a free and open-source text and source code editor for macOS, Linux, and Microsoft Windows with support for plug-ins written in JavaScript, and embedded Git Control. matrix: An open network for secure, decentralized communication. wikipedia: Multi-factor authentication. apple: Two-factor authentication for Apple ID. wikipedia: An authenticator is a means used to confirm a user's identity, that is, to perform digital authentication. wikipedia: Google Authenticator. wikipedia: Key authentication. wikipedia: SQRL (pronounced "squirrel") or Secure, Quick, Reliable Login (formerly Secure QR Login) is a draft open standard for secure website login and authentication. twit: Security Now - Hosted by Steve Gibson, Leo Laporte. keepassxc: KeePassXC - Cross-Platform Password Manager. wikipedia: In cryptanalysis and computer security, password cracking is the process of recovering passwords from data that has been stored in or transmitted by a computer system in scrambled form. wikipedia: LastPass is a password manager distributed in subscription form as well as a freemium model with limited functionality. cnet: LastPass Owner GoTo Says Hackers Stole Customer Data Backups. wikipedia: The Zip drive is a removable floppy disk storage system that was introduced by Iomega in late 1994. wikipedia: Lotus 1-2-3 is a discontinued spreadsheet program from Lotus Software (later part of IBM). wikipedia: Office Space is a 1999 American black comedy film written and directed by Mike Judge. wikipedia: In cryptography, encryption is the process of encoding information. wikipedia: In computing, tar is a computer software utility for collecting many files into one archive file, often referred to as a tarball, for distribution or backup purposes. wikipedia: A quantum computer is a computer that exploits quantum mechanical phenomena. wikipedia: Final Destination is an American horror franchise that includes five films, two comic books, and nine novels. wikipedia: Buddhism. wikipedia: Conquian, Coon Can or Colonel (the two-handed version) is a rummy-style card game. linuxfestnorthwest: LinuxFest Northwest 2022 has concluded. wikipedia: Lead shielding refers to the use of lead as a form of radiation protection to shield people or objects from radiation so as to reduce the effective dose. wikipedia: The Hulk is a superhero appearing in American comic books published by Marvel Comics. jeffgeerling: I'm geerlingguy most places online. I'm an author and software developer from St. Louis, MO. jeffgeerling: Colons, semicolons, and Crohns surgery, oh my! wikipedia: Colon cancer staging. wikipedia: Colonoscopy. wikipedia: A smartwatch is a wearable computer in the form of a watch; modern smartwatches provide a local touchscreen interface for daily use, while an associated smartphone app provides management and telemetry, such as long-term biomonitoring. hipaajournal: Judge Denies Injunction Banning Meta from Collecting Patient Data via Meta Pixel Code. wikipedia: Raspberry Pi. wikipedia: Arduino. odroid: ODROID-C2. wikipedia: Google Hangouts is a discontinued cross-platform instant messaging service developed by Google. wikipedia: Mainframe computer wikipedia: ncurses. wikipedia: The IBM 3270 is a family of block oriented display and printer computer terminals introduced by IBM in 1971 and normally used to communicate with IBM mainframes. ibm: a PCOMM TN3270E. wikipedia: Command-line interface. redhat: 10 ways to use the Linux find command. github: Welcome to moby-thesaurus.org, a free and open-source website designed to facilitate meanderings through the Moby Thesaurus, the largest thesaurus in the English language. wikipedia: Software as a service. wikipedia: C++ (pronounced "C plus plus") is a high-level general-purpose programming language created by Danish computer scientist Bjarne Stroustrup as an extension of the C programming language, or "C with Classes". wikipedia: deb is the format, as well as extension of the software package format for the Debian Linux distribution and its derivatives. wikipedia: dpkg is the software at the base of the package management system in the free operating system Debian and its numerous derivatives. wikipedia: K3b (from KDE Burn Baby Burn) is a CD, DVD and Blu-ray authoring application by KDE for Unix-like computer operating systems. nero: Nero Burning ROM: Rip, copy, burn and protect data. wikipedia: Feature creep. wikipedia: A digital single-lens reflex camera (digital SLR or DSLR) is a digital camera that combines the optics and the mechanisms of a single-lens reflex camera with a digital imaging sensor. wikipedia: A mirrorless camera is a photo camera featuring a single, removable lens and a digital display. wikipedia: Darkroom. corel: What is Corel AfterShot Pro? darktable: darktable is an open source photography workflow application and raw developer. wikipedia: Pentax K1000. hackerpublicradio: Noisetorch is a program for Linux that creates a virtual microphone that removes background sounds. wikipedia: Noise gate. proxmox: Proxmox Virtual Environment. jellyfin: Jellyfin is the volunteer-built media solution that puts you in control of your media. Thanks To: Mumble Server: Delwin HPR Site/VPS: Joshua Knapp - AnHonestHost.com Streams: Honkeymagoo EtherPad: HonkeyMagoo Shownotes by: Sgoti and hplovecraft

Did you know there are over 6,000 transactions per SECOND?   That's a whole lot of consumption going on. Now, can you imagine what a difference it would make if only 1/10 of those purchases were made on sustainable products and brands?   In this episode of The Darin Olien Show, I chat with Douglas Sabo, Chief Sustainability Officer at Visa about their sustainability efforts to diminish the carbon footprint emitted from the consumption propelled by their brand. From developing the Green Bonds Framework to reporting back on their sustainability efforts and partnering with brands that make sustainability accessible for consumers, Visa is working hard to ensure we are moving forward towards a greener planet.   Douglas Sabo is Chief Sustainability Officer at Visa Inc. In this role, Sabo leads the development and oversight of Visa's global environmental, social, and governance (ESG) efforts, including Visa's ESG strategy, framework, reporting, and stakeholder engagement. Sabo also leads Visa's initiatives in environmental sustainability, human rights, and other areas of responsible business. In sustainability, Sabo's work includes building out Visa's initiatives in the company's operations as well as in empowering sustainable living and commerce.     What we discuss:   06:36: Doug's involvement in Down To Earth 08:36: How did Doug end up at Visa? 14:28: What is Doug most excited about? 18:15: How does sustainability fit into Visa's efforts? 31:30: What green credit cards does Visa associate with? 35:54: What is the Green Bond framework? 40:34: How important is corporate accountability? 54:09: Where is the next sustainability opportunity? 57:32: What kind of collaboration is happening among industries and brands for sustainability?     Key Takeaways:   Oftentimes, corporations are guilty of greenwashing and tricking consumers into believing they're making a good decision by picking these brands. While the truth tends to come to light at some point, corporate accountability ensures they are doing what they claim to do.   Brands and industries must collaborate and cooperate to reduce their emission footprint. While it has started happening, it tends to get very competitive as certain brands compete close to each other. However, cooperating and collaborating in this way allows them to change landscapes and move forward.   Moving forward is the antidote to changing towards a better world. While most of our consumption is unsustainable, it doesn't mean it has to be like that or stay that way. Finding solutions and implementing solutions is the way to move forward toward a greener world.    Find more from Visa:   Website: https://usa.visa.com/about-visa/esg.html Instagram: https://www.instagram.com/visa_us/   Find more from Darin:   Website: https://darinolien.com/ Instagram: https://www.instagram.com/Darinolien/ Book: https://darinolien.com/fatal-conveniences-book/ Down to Earth: https://darinolien.com/down-to-earth/   More links:   Shop Methodology at  https://www.gomethodology.com/ and use the code DARIN at checkout.    Learn more about The Dirt Locker® by visiting www.dirtlocker.com    Shop Bite and use code DARIN20 to save 20% on your Bite subscription: https://trybite.com/darin   LIMITED OFFER: Switch up to US Bank Altitude CONNECT Visa Signature card to earn 4X points on travel, and at gas stations and EV charging stations, and 2X points at grocery stores, dining, and streaming services. Get started by visiting USBank.com/AltitudeConnect. (Some restrictions may apply.)  

Socially Responsible Stocks To Buy includes the following articles: “10 Best Socially Responsible Stocks to Buy According to Analysts,” by Fahad Saleem; “Top Infrastructure Stocks - From An Engineer's Perspective,” by Financial Engineering; “Top Utilities Stocks for May 2023, by Noah Bolton; “3 Sustainable Investing Stocks to Buy for Socially Responsible Gains,” by Joel Baglole Transcript & Links, Episode 106, May 19, 2023 Hello, Ron Robins here. So, welcome to my podcast episode 106 titled “Socially Responsible Stocks To Buy.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. And look at my newly totally revised website at investingforthesoul.com! So, remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Now if any terms are unfamiliar to you, simply Google them. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief so that I can get as many companies covered as possible in the time allowed. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 7 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1) Socially Responsible Stocks To Buy I'm starting with this article titled 10 Best Socially Responsible Stocks to Buy According to Analysts by Fahad Saleem. Article found on insidermonkey.com. Here are a few of Mr. Saleem's quotes on each of his picks. “For this article we first scanned the Vanguard FTSE Social Index Fund Investor Shares (VFTSX) which seeks to track the performance of the FTSE4Good US Select Index… The fund… uses ESG criteria to screen stocks. We picked 10 stocks which have a strong upside potential based on their average analyst price targets.  10. The Home Depot, Inc. (NYSE:HD) Number of Hedge Fund Holders: 62 Analyst Price Target: $340 The Home Depot also mentions its ESG goals and ESG-related plans on its website. 9. Costco Wholesale Corporation (NASDAQ:COST) Hedge Fund Holders: 66 Analyst Price Target: $545  Last year, Costco voted in favor of a proposal put forward by Green Century Capital Management which suggested that the company should set targets for reaching net-zero greenhouse gas (GHG) emissions. 8. NIKE, Inc. (NYSE:NKE) Hedge Fund Holders: 71 Analyst Price Target: $138 NIKE's slogan in the ESG space is ‘Move to Zero,' which shows its commitment to becoming carbon neutral. 7. Pfizer Inc. (NYSE:PFE) Hedge Fund Holders: 75 Analyst Price Target: $46.50 Pfizer plans to achieve the Net-Zero Standard by 2040. 6. Tesla Inc. (NASDAQ:TSLA) Hedge Fund Holders: 91 Analyst Price Target: $186.20 Despite short-term headwinds, analysts believe Tesla has a lot of room to run. 5. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Holders: 106 Analyst Price Target: $355 NVIDIA Corporation has pledged to use advanced technologies to fight the climate change problem… NVIDIA plans to source 65% of its global electricity from renewable sources by 2025. 4. UnitedHealth Group Inc. (NYSE:UNH) Hedge Fund Holders: 110 Analyst Price Target: $600 UnitedHealth Group Inc.'s ESG risk score is 15.3, according to Sustainalytics, which comes under the low risk category. 3. Visa Inc. (NYSE:V) Hedge Fund Holders: 177 Analyst Price Target: $300 A strong ESG score and investments in the ESG space makes Visa Inc. a key part of the Vanguard FTSE Social Index Fund. 2. Alphabet Inc. (NASDAQ:GOOG) Hedge Fund Holders: 209 Analyst Price Target: $130  Alphabet Inc. is famous for investing heavily into the ESG space and environment-related projects. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Holders: 259 Analyst Price Target: $304 Microsoft Corporation has secured solid ESG ratings from several independent agencies because of its investments in the ESG space and sustainable business practices.” End quotes ------------------------------------------------------------- 2) Socially Responsible Stocks To Buy Now, an article that might interest many of you. It's titled Top Infrastructure Stocks - From An Engineer's Perspective, by Financial Engineering. Seen on seekingalpha.com. Here're some comments from the article. “1. American Tower Corporation (AMT) (Is) one of the largest global players in physical communications assets, most notably in macro cell towers and now data centers… The critical necessity for American Tower Corporation's assets will be at the heart of what is being dubbed as ‘Industrial Revolution 4.0' which is being discussed in regards to 5G and the Internet of Things, IoT… With the implementation of 5G and IoT we have the capability to significantly reduce traffic accidents, drastically improve manufacturing operations for greater flexibility in meeting global demands, and greatly improve our efficient use of resources with improved distribution networks of energy sources. 2. Union Pacific Corporation (UNP) Train operations have greatly improved in recent years through a revolutionary change in the approach to rail operations known as precision scheduled railroading (or PSR)… the benefits of PSR are significant to rail operations… PSR changed the focus of traditional rail operations from full train operations to individual train car operations… In a recent government report it is evidenced that PSR has led to a drastic decrease in operating ratios (operating expenses as a proportion of revenues) from 2011-2021… 3. DTE Energy (DTE). The main reason for including this company among the most important is due to the increasing electrification of our world… The vast majority of DTE's revenues are derived from its 2.2 million electric customer connections, the undisputed leader in the state of Michigan. … Detroit (Michigan) automakers own roughly 10-15% of global market share for vehicle sales and closer to 40% of the United States market share. If DTE is successfully able to expand and sufficiently meet the energy demands of the EV ramp-up in Detroit it will be pivotal in proving the viability of EV adoption not just in the United States but for the rest of the world as well… While each of these companies may not provide home run returns witnessed by tech in the past several decades, I'd be surprised if they do not provide solid, healthy returns and stability to a portfolio. If these corporations and their peers suffer substantial losses or fail in the near future, we most likely will have bigger concerns as a society than the performance of these stocks.” End quotes. ------------------------------------------------------------- 3) Socially Responsible Stocks To Buy A favorite of older ethical investors is utility stocks for their stability of returns. This is a good piece about them. It's titled Top Utilities Stocks for May 2023, by Noah Bolton. Article on investopedia.com. Here's some of what Mr. Bolton says about his picks. “These are the utilities stocks with the lowest 12-month trailing price-to-earnings (P/E) ratio. Because profits can be returned to shareholders in the form of dividends and buybacks, a low P/E ratio shows that you're paying less for each dollar of profit generated. Enel Chile S.A. (ENIC): Enel is a Chilean-based electricity provider. The company creates electricity from solar, wind, and geothermal power plants… 12-Month Trailing P/E Ratio 2.8. Brookfield Renewable Corp. (BEPC): Brookfield Renewable owns and operates pure-play renewable energy facilities focusing on wind, solar, and hydroelectric power. Brookfield Renewable and EIG Consortium entered a binding agreement in March to acquire 100% of Origin Energy Ltd.'s energy markets business, ‘Australia's largest integrated power generator and energy retailer…' 12-Month Trailing P/E Ratio 4.2. Pampa Energia S.A. (PAM): Pampa Energia is an integrated energy company based in Argentina operating hydroelectric plants, thermal plants, and wind farms. The company also explores and produces natural gas, oil, and various petrochemicals… 12-Month Trailing P/E Ratio 4.3. Fastest-Growing Utilities Stocks These are the top utilities stocks as ranked by a growth model that scores companies based on a 50/50 weighting of their most recent quarterly year-over-year (YOY) percentage revenue growth and most recent quarterly YOY earnings-per-share (EPS) growth… Altus Power Inc. (AMPS): Altus Power is a clean electrification company that services commercial, industrial, and public industries. At the end of 2022, Altus Power reached an agreement with True Green Capital Management LLC to acquire 220 MW of solar assets for $293 million… EPS Growth 600%. Revenue Growth 24%. Cadiz Inc. (CDZI): Cadiz is a water treatment company that offers clean water resources for agricultural development. Note Cadiz doesn't have an EPS growth figure… because the company reported negative EPS in the most recent quarter… Revenue Growth 304%. Capital Power Corp. (CPX.TO): Capital Power owns and operates 29 renewable energy facilities located throughout North America… Net income in the first quarter more than doubled from the year before… EPS Growth 148. Revenue Growth 153%. Utilities Stocks With the Most Momentum Genie Energy Ltd. (GNE): Genie is an energy provider that supplies electricity and natural gas for residential and business customers. The company also operates a solar energy business segment. In late March, Genie Renewables acquired the rights to a 6.25-megawatt solar generation site in upstate New York. Genie's revenue increased 23% year-over-year in the first quarter of 2023… 12-Month Trailing Total Return 129%. Cadiz Inc.: See company description (previously)… 12-Month Trailing Total Return 129%. Enel Chile S.A.: See company description (previously)… 12-Month Trailing Total Return 118%.” End quotes ------------------------------------------------------------- 4) Socially Responsible Stocks To Buy Lastly, we have this recommendation titled 3 Sustainable Investing Stocks to Buy for Socially Responsible Gains by Joel Baglole. Found it on investorplace.com. Now a few comments by him. “1. General Electric (NYSE:GE) The company is pushing further into renewable energy, namely with GE Vernova… GE Vernova develops wind turbines, hydropower generation and energy storage solutions. GE stock has gained 73% in the past 12 months, including a 56% increase this year. 2. Ford Motor (NYSE:F) Ford Motor which is spending more than $50 billion in an effort to produce 2 million electric vehicles a year by the end of 2026… And the company pays a quarterly dividend of 15 cents a share for a yield above 5%. 3. Albemarle (NYSE:ALB) (Is) the largest producer of lithium for EV batteries in the world… Over the past five years, Albemarle stock has gained 78%. In the past 12 months, however, the company's share price has come down 10%. This is mainly due to shifting demand in China, where the country's electric vehicle production has been repeatedly interrupted due to Covid-19 lockdowns.” End quotes. ------------------------------------------------------------- Other Honorable Mention – not in any order 1. Title: Atlantica Sustainable Infrastructure: Revolutionizing the Energy Industry with Sustainable Investments on beststocks.com. By Roberto Liccardo. 2. Title: This solar energy tech stock could surge 50%, Guggenheim says on cnbc.com. By Hakyung Kim. 3. Title: 3 Sustainable Investing Stocks to Buy on investorplace.com. By Joel Baglole. 4. Title: Top Alternative Energy Stocks for Q2 2023 on investopedia.com. By Zaw Thiha Tun. 5. Title: 3 Alternative Energy Stocks to Watch Amid Insufficient Hydrogen Funding on zacks.com. By Aparajita Dutta. 6. Title: Water and investing – the risks, opportunities and why it matters on www.hl.co.uk. By Laura Hoy. 7. Title: 7 Alternative Energy Stocks to Watch in 2023 on investorplace.com. By Muslim Farooque. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these terribly troubled times! Contact me if you have any questions. Thank you for listening. Talk to you next on June 2nd. And, again, look at my newly totally revised website at investingforthesoul.com! Bye for now. © 2023 Ron Robins, Investing for the Soul  

Are you bringing your whole self to work?  On this episode of the Live Greatly podcast Kristel Bauer sits down with Holly May, Executive Vice President and Global Chief Human Resources Officer for Walgreens Boots Alliance, Inc. to discuss the importance of leaders creating a trusting environment and a space where people can be unapologetically human.  Holly talks about how her views of professionalism at work shifted after her son's autisim diagnosis and how vulnerability at work can help build trust and connection.  Kristel and Holly discuss setting boundaries, tips for having challenging conversations at work, changes to the Human Resources industry, suggestions for managing your work/life and more! Listen now! Key Takeaways from This Episode: Holly's background and her role with Walgreens Holly's views on optimal leadership The importance of vulnerability and authenticity in the workplace  Holly's unapologetically human approach Holly's take on employee well-being and how companies can support this How Holly supports her own well-being as a leader Changes to the HR Industry How Holly's son autism diagnosis impacted how she showed up at work  Tips for building trust and connection in the workplace How Holly navigates work/life, vacations and boundaries Tips for how to handle challenging conversations at work ABOUT HOLLY MAY: Holly May is the Executive Vice President and Global Chief Human Resources Officer for Walgreens Boots Alliance, Inc.  Holly is responsible for the strategy and direction of innovative global HR programs, policies and practices that support WBA's business goals and initiatives and for ensuring fair and equitable treatment for all team members. She also leads Environmental, Social and Governance (ESG) for WBA and serves on the board of Shield Health Solutions, in which WBA is a majority investor.  Most recently, May served as Global Chief Human Resources Officer for Abercrombie & Fitch Co., managing all aspects of HR and ESG efforts across the company. She previously worked for Starbucks as Senior Vice President of Global Total Rewards and Service Delivery, responsible for consulting with the company's board of directors and executive leadership team on the strategic direction of Starbucks' global compensation and benefits portfolio. Prior to her time at Starbucks, May served in human resources leadership roles of increasing responsibility at ING, Voya Financial and Visa Inc., as an HR business partner and leading Rewards, DE&I and HR strategy.  May graduated from Wellesley College and earned her Master of Finance degree from the A.B. Freeman School of Business at Tulane University. Website: https://www.walgreensbootsalliance.com/about-us/leadership/holly-may  Instagram: https://www.instagram.com/wba_global/  Linkedin: https://www.linkedin.com/in/mayholly/  https://www.linkedin.com/company/walgreens-boots-alliance/  Twitter: https://twitter.com/WBA_Global  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness expert, in-demand Keynote Speaker and TEDx speaker with a mission of supporting companies and individuals on their journeys for more happiness, success & well-being. With Kristel's unique background in Integrative Psychiatry, business and media, she provides invaluable insights and strategies to empower, inspire and motivate companies, leadership and sales teams as well as other groups and organizations. Kristel shares key insights into high-power habits, leadership development, mental well-being, peak performance, resilience, success & a modern approach to work/life balance. Using a blend of authenticity, Psychology & Science, Kristel provides insights to excel in sales and thrive as a team leader. Kristel's messaging supports company profitability while promoting vibrant company cultures with healthier and happier employees.  Kristel is a contributing writer for Entrepreneur and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes.  As an Integrative Medicine Fellow & Physician Assistant, Kristel has a unique perspective into optimizing well-being and achieving success. Kristel has been featured in Forbes, Forest & Bluff Magazine & Podcast Magazine and she has contributed to Real Leaders Magazine. She has been live on ABC 7 Chicago, WGN Daytime Chicago & Ticker News. To Book Kristel Bauer as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Visa Inc., Q2 2023 Earnings Call, Apr 25, 2023

The 966 Episode 85! The 966 hosts speak with Norah Ortiz, founder of the first authentic Mexican restaurant in Riyadh, Don Reuben's, which is located in the Diplomatic Quarter. Ortiz tells us her story as an American born in San Diego to Mexican parents and her journey to owning and operating the first authentic Mexican restaurant in a city increasingly becoming a hot spot for foodies. Before that discussion, the hosts talk about Richard's One Big Thing: a growing Captagon crisis in the Middle East and Syria's fall into becoming a narco state. Lucien's One Big Thing is Lionel Messi's long relationship with Saudi Arabia as rumors and reports swirl that he might be heading to Saudi Arabia to play for Al Hilal. The hosts then conclude as always with Yallah! 6 top storylines to keep you up to date heading into the weekend. 9:11 - Richard's one big thing is a growing Captagon crisis in the Middle East and Syria's fall into becoming a narco state. Captagon is a synthetic amphetamine-type stimulant, fenethylline and has become the center of an increasing number of drug busts across the Middle East. The vast majority of global captagon production occurs in Syria, with the Gulf region being its primary destination.24:24 - MESSI TO SAUDI? Lucien's one big thing is what is dominating the headlines this week for the Kingdom. There are reports now, not just rumors, that it's going to happen… Messi to Saudi Arabia and probably to Al Hilal. Messi was officially unveiled as a brand ambassador for the Saudi Tourism Authority last year, and rumors swirled about him playing in Saudi Arabia eventually. Lucien provides a timeline of Messi's experiences and relationship with Saudi Arabia and some thoughts on what this might mean for the Saudi Professional League. 40:10 - Riyadh-based restaurateur Norah Ortiz, who is founder of the popular authentic Mexican restaurant Don Reuben's, located in the diplomatic quarter. Don Reuben's is the first authentic taco shop in the Kingdom and recently won the “highly commended” Riyadh Time out awards for best Latin American restaurant in the capital city. Ortiz tells us her story as an American born in San Diego to Mexican parents and her journey to owning and operating the first authentic Mexican restaurant in a city increasingly becoming a hot spot for foodies.1:08:44 - Yallah!MENA startups Raised $7 Million in April 2023, a 93 Percent Decline Year-on-Year – WAMDA ReportIn April 2023, startups based in the Middle East and North Africa raised roughly $7 million, a drop of 97 per cent compared to March 2023 and a 99 per cent drop compared to April 2022, according to a report in Wamda, which we shared on SUSTG.com today. Banker Pay Surges For Those Willing to Work in Saudi ArabiaAccording to Bloomberg, banking jobs remain plentiful and salaries are surging in one unexpected corner of the world: Saudi Arabia.Aramco In Talks With Sinopec and Total on $10 Billion Saudi Gas DealAccording to Bloomberg, Sinopec and TotalEnergies SE are among companies holding talks to invest in the Jafurah development in Saudi Arabia, according to people familiar with the matter, as the kingdom seeks to exploit one of the world's largest untapped gas fields.Saudi economy edging closer to reducing dependence on oil, IMF official saysAccording to Reuters, Government-led reforms and the growth of private investment in new sectors will help support non-oil economic growth in Saudi Arabia amid an expected sharp slowdown in overall growth this year, a senior IMF official said.Asset Management Firm Tiger Global, Visa Invest in UAE Fintech Company Tarabut Gateway for Saudi Expansion – ReportPayments giant Visa Inc. has made its first open banking investment in the Middle East, joining Tiger Global Management in backing UAE-based fintech firm Tarabut Gateway's latest fundraising which outlines an expansion to Saudi Arabia, according to Bloomberg.Middle East Set to Outpace Other Regions in Growth of Travel Demand: RategainThe Middle East region is expected to outpace all other travel markets in its rate of recovery for travel demand in the April-June quarter, according to India-headquartered travel technology firm Rategain.

Podcast: Analysts Like These Ethical and Sustainable Stocks Transcript & Links, Episode 105, May 5, 2023 By Ron Robins, MBA. Analyst and Tutor Hello, Ron Robins here. Now I'm recording and publishing this podcast episode 1-day early. The reason, tomorrow, May 5th I plan to have up my terrific new website. So, just in case there are any hitches, I decided to do this podcast 1-day early. Hence, please do visit my brand-new site tomorrow! So, welcome to this podcast episode 105 titled “Analysts Like These Ethical and Sustainable Stocks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript, and links to content – including stock symbols and bonus material – on this episode's podcast page located at investingforthesoul.com/podcasts. Now if any terms are unfamiliar to you, simply Google them. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, nor do I receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal to you any personal investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief so that I can get as many companies covered as possible in the time allowed. Please go to this podcast's webpage for links to the actual articles for more company and stock information. Also, some companies might be covered more than once and there are also 8 article links below that time didn't allow me to review them here. ------------------------------------------------------------- 1) Analysts Like These Ethical and Sustainable Stocks Now our first article has the title 13 Best Ethical Companies to Invest in According to Reddit. It's by Fahad Saleem and found on insidermonkey.com. Here are Reddit's picks with some comments by Mr. Saleem... “For this article we scoured several discussion boards on Reddit where hundreds of people have discussed their favorite companies for ethical investing… 13. ASN Biodiversity Fund (ASABNEI:NA) Number of Hedge Fund Holders: N/A Netherlands-based ASN Bank offers several sustainable, green and ethical investment options. Redditors frequently mention ASN Biodiversity Fund as a viable option for ethical investors. 12. Sage Potash Corp. (TSXV:SAGE.V) Hedge Fund Holders: N/A Potash plays a key role in fertilizer production, can increase crop yields and increase resilience of crops against pests. Sage Potash Corp is a Canadian company that explores for potash. 11. Rocket Lab USA, Inc. (NASDAQ:RKLB) Hedge Fund Holders: 12 Rocket Lab was specially mentioned by some Redditors as a suitable option for those who want to invest in space and rocket technologies. 10. Beyond Meat, Inc. (NASDAQ:BYND) Hedge Fund Holders: 13 Beyond Meat is one of the leaders in the plant-based meat industry… The biggest hedge fund stakeholder of Beyond Meat was Ray Dalio's Bridgewater Associates which owns a $1.4 million stake in the company. 9. Apple Inc. (NASDAQ:AAPL) Hedge Fund Holders: 135 Apple Inc.'s ESG scores are impressive and the company is investing heavily in ESG-related projects… 8. Ecolab Inc. (NYSE:ECL) Hedge Fund Holders: 47 Ecolab Inc. was specifically mentioned by several Redditors as the company is one of the leaders in the water treatment industry. Ecolab Inc. has an impressive ESG profile. 7. Enphase Energy, Inc. (NASDAQ:ENPH) Hedge Fund Holders: 63 Enphase Energy makes solar micro-inverters, battery energy storage and EV charging stations. 6. Costco Wholesale Corporation (NASDAQ:COST) Hedge Fund Holders: 66 Redditors praise Costco Wholesale Corporation's proactive approach in increasing wages and overall employee benefits. 5. Tesla, Inc. (NASDAQ:TSLA) Hedge Fund Holders: 91 While Tesla's ESG rating has dropped over the past few months, the stock remains a popular choice of Redditors… Hedge funds are also bullish on Tesla. 4. NVIDIA Corporation (NASDAQ:NVDA) Hedge Fund Holders: 106 We chose NVIDIA for our list of the best ethical companies to invest in according to Reddit because the stock ranks higher in the portfolio of Vanguard ESG U.S. Stock ETF (ESGV), one of the most favorite choices of ethical investors on Reddit. 3. Visa Inc. (NYSE:V) Hedge Fund Holders: 177 Visa Inc. makes it to our list of the best ethical companies to invest in according to Reddit because it is the top holding of the Global Sustainability Leaders ETF, which is a popular ethical investing option among Redditors. 2. Amazon.com, Inc. (NASDAQ:AMZN) Hedge Fund Holders: 240 Amazon.com is added in our list of the best ethical companies to invest in because it's one of the biggest holdings of Vanguard FTSE Social Index Fund Institutional Shares (MUTF:VFTNX), which is recommended by Redditors for ethical investing. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Holders: 259 Microsoft Corporation is one of the best ethical companies to invest in according to Reddit because the company is the biggest holding of iShares MSCI USA ESG Select ETF (NYSEARCA: SUSA), an ETF that is quite popular among ethical investors on Reddit discussion boards.” End quotes. ------------------------------------------------------------- 2) Analysts Like These Ethical and Sustainable Stocks Our next article has the title Four Sustainable Investments That Could Have a Positive Impact. It's by Peter Krull who publishes on kiplinger.com. Here's some of what Mr. Krull says about his picks. “1. STMicroelectronics (STM) Much of this Swiss semiconductor company's technology is used in devices that you use every day, like tablets and automobile infotainment systems… STMicroelectronics also makes chips that help control the motors in EVs, chips that help distribute solar power more efficiently and chips that are helping to create smart homes, cities and industries. 2. Acuity Brands (AYI) Acuity Brands manufactures a wide array of lighting products, from home to office and industrial. It even makes ultraviolet lights to disinfect health care facilities (and others) that require sterilization. 3. Hannon Armstrong Sustainable Infrastructure (HASI) Hannon Armstrong…finances a range of projects broken down into three areas: behind-the-meter, grid-connected and fuels, transport and nature… It's also involved in landfill gas projects, commercial fleet decarbonization and ecological restoration… The stock pays a nice dividend as well. 4. AXS Green Alpha ETF (NXTE) The folks at Green Alpha have been managing sustainable investments for years… they know what they're doing. They eschew the recent trend of creating, as I call them, ‘less bad' ESG portfolios and focus on solutions-based investments in the next economy.” End quotes. ------------------------------------------------------------- 3) Analysts Like These Ethical and Sustainable Stocks Many people believe that US interest rates are heading down from here, which could give a lift to the housing market. So the most recommended US homebuilders are getting a bid. Hence, this article titled 5 Best Homebuilder Stocks Sorted By Hedge Fund Sentiment. It's by Fahad Saleem on insidermonkey.com. Now let's see some of what Mr. Saleem says about his recommendations. “To see more such companies, go directly to List of Homebuilder Stocks Sorted By Hedge Fund Sentiment. 5. KB Home (NYSE:KBH) Hedge Fund Holders: 31 JPMorgan recently upgraded KB Home stock after the company posted strong quarterly results and gave a solid 2023 guidance. 4. Toll Brothers, Inc. (NYSE:TOL) Hedge Fund Holders: 37 Shares of Toll Brothers have gained about 22% year to date through April 24. In March, Toll Brothers upped its dividend by 5%. 3. NVR, Inc. (NYSE:NVR) Hedge Fund Holders: 39 Pennsylvania-based home construction and mortgage services company NVR ranks 3rd in our list of the top homebuilding stocks popular among elite hedge funds. 2. D.R. Horton, Inc. (NYSE:DHI) Hedge Fund Holders: 46 1. Lennar Corporation (NYSE:LEN) Hedge Fund Holders: 54.” End quotes. ------------------------------------------------------------- 4) Analysts Like These Ethical and Sustainable Stocks Now we turn to one of our investors' favorite sectors with this article titled The 9 Best Wind Energy Stocks To Buy Now. It's by Phillip Ekuwem and seen on thestockdork.com. Here are some thoughts by Mr. Ekuwem on each of his picks. “1. NextEra Energy Inc. (NYSE: NEE) NextEra Energy is a leading clean energy company based in Juno Beach, Florida. The company primarily generates and distributes electricity from renewable sources such as wind farms and solar power… Investors also stand to earn dividends, with NextEra Energy recording a strong dividend yield of 2.46%. 2. Clearway Energy Inc. (NYSE: CWEN) Clearway Energy is a leading renewable energy company that owns and operates a diversified portfolio of clean energy assets across the United States… It rewards its shareholders with a dividend yield of 4.80%. 3. General Electric Company (NYSE: GE) GE is organized into four business divisions: Aviation, Healthcare, Power, and Renewable Energy.  The Renewable Energy division develops and manufactures wind turbines and other clean energy solutions. 4. Plug Power Inc. (NASDAQ: PLUG) Founded in 1997, Plug Power is a New York-based leading provider of hydrogen fuel cell systems for a wide range of applications, including material handling, stationary power, and on-road vehicles… It produces and distributes green hydrogen, which it creates using renewable energy sources such as wind and solar power. 5. Brookfield Renewable Partners L.P. (NYSE: BEP)  The company, based in Bermuda, has a diverse portfolio that includes hydroelectric, wind, solar, and storage assets… across North America, South America, Europe, and Asia.  6. Dominion Energy Inc. (NYSE: D) Dominion Energy Inc. is… one of the largest producers and transporters of energy in the United States… Dominion Energy's business primarily focuses on electric, gas, and energy infrastructure… Dominion Energy is investing in renewable energy and clean technologies, including offshore wind power, solar power, and energy storage to achieve this goal. 7. Eversource Energy (NYSE: ES) Is committed to reducing its carbon footprint to net-zero carbon emissions by 2030… The company invests in renewable energy, such as wind and solar, for energy efficiency and grid modernization. 8. TPI Composites Inc. (NASDAQ: TPIC) (Is) a global manufacturer of composite wind blades and other composite structures for the wind energy, transportation, and industrial markets… It is one of the world's largest independent manufacturers of wind blades. 9. Array Technologies Inc. (NASDAQ: ARRY) Array Technologies' primary business is designing, manufacturing, and installing solar tracking systems, which optimize solar panels' energy output by tracking the sun's movement throughout the day.” End quotes. ------------------------------------------------------------- 5) Analysts Like These Ethical and Sustainable Stocks We continue with the renewable energy theme with this title. The 4 Best EV Battery Stocks Under $10 To Buy Now. By Enrico Caschetta on thestockdork.com. Here's some of what Mr. Caschetta says about these stocks. “1. CBAK Energy Technology Inc (NASDAQ: CBAT) CBAT is a Chinese company that specializes in researching, developing, and manufacturing lithium-ion batteries for EVs and other energy storage systems. 2. Quantumscape Corp (NYSE: QS) Is a US-based company developing next-generation solid-state lithium-metal batteries for EVs.  3. Kandi Technologies Group, Inc. (NASDAQ: KNDI) Kandi is a Chinese company that designs, develops, and manufactures electric vehicles (EVs) and EV parts, including batteries.  4. Panasonic Holdings (OTCMKTS: PCRFY) Panasonic is barely admittable to our list as the company is only a dollar short of $10.” End quotes. ------------------------------------------------------------- Other Honorable Mention – not in any order 1. Title: ETFs for Green Investing Ahead of Earth Day on zacks.com. By Sweta Killa. 2. Title: Why Union Pacific is a Top Socially Responsible Dividend Stock (UNP) on nasdaq.com. By BNK Invest. 3. Title: Iberdrola's big bet on renewable energy is working on qz.com. By Nate DiCamillo. 4. Title: 4 Renewable Energy Stocks Set to Beat Q1 Earnings Estimates -on zacks.com. By Aparajita Dutta. 5. Title: Top Wind Energy Stocks for Q2 2023 on investopedia.com. By Noah Bolton. 6. Title: 25 Most Environmentally Friendly Companies in the World on yahoo.com. By Laiba Immad. Articles from Outside the US 1. India. Title: Top 10 Best Corporate Social Responsibility Companies In Europe 2023 on inventica.co.in. By kritikabhaskar. 2. Canada. Title: This new ETF offers a challenge to socially responsible investing skeptics on theglobeandmail.com. By Rob Carrick. ------------------------------------------------------------- Ending Comment Well, these are my top news stories with their stock and fund tips -- for this podcast titled: “Analysts Like These Ethical and Sustainable Stocks.” Now, please be sure to click the like and subscribe buttons on Apple Podcasts, Google Podcasts, or wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these terribly troubled times! Contact me if you have any questions. Thank you for listening. Talk to you next on May 19th. Bye for now. © 2023 Ron Robins, Investing for the Soul

Ralph welcomes Samuel Levine who heads the Bureau of Consumer Protection at the Federal Trade Commission to give you tips on how to use this government agency to protect yourself from corporate fraud and abuse. Plus, director of Public Citizen's Health Research Group, Dr. Michael Carome stops by to give us the latest warnings about harmful medical devices and his take on the safety of the mRNA Covid vaccine.Samuel Levine serves as Director of the FTC's Bureau of Consumer Protection. Before assuming this role, he served as an attorney advisor to Commissioner Rohit Chopra and as a staff attorney in the Midwest Regional Office. Prior to joining the FTC, Mr. Levine worked for the Illinois Attorney General, where he prosecuted predatory for-profit colleges and participated in rulemaking and other policy initiatives to promote affordability and accountability in higher education.We announced what we call a “click to cancel” rule. And this is a rule about subscription plans. What the proposed rule says is that companies – vendors – should make it no more difficult to cancel a subscription than it is to sign up… It's very easy for consumers to sign up for these services. We want to make it just as easy for consumers to exit these services.Samuel Levine Director of the Bureau of Consumer Protection at the FTCEarlier this year, we announced a market study sending subpoenas to major social media platforms to ask them what they're doing to stop the huge proliferation of fraudulent ads over social media. We're also doing a study now on the franchise relationship and the potential power asymmetries between franchisee and franchisers. We're looking at the cloud computing market. We have a whole host of initiatives right now that are not geared around law enforcement but are geared around shining a light on often opaque industries to help shape public policy and eventually shape FTC law enforcement as well.Samuel Levine, Director of the Bureau of Consumer Protection at the FTCDr. Michael Carome is an expert on issues of drug and medical device safety, FDA oversight, and healthcare policy. He is the director of Public Citizen's Health Research Group.In 2002, Congress passed for the first time what's called the Medical Device User Fee Act… So, the companies now pay the FDA for the review and oversight of their products. Those user fees fundamentally changed the relationship between the FDA, the regulatory agency, and the medical device companies that are regulated by the agency. And that relationship which should be in part an adversarial relationship now is viewed as a partnership by both the agency and the medical device industry. The agency even in some of their documents refers to these companies as “partners,” as “customers.”… Customer satisfaction is key for the FDA and their customers in their eyes - rather than patients and the public - are the companies.Dr. Michael Carome, Director of Public Citizen's Health Research GroupThe FDA in our view had a very rigorous process for requiring the testing of those (Covid 19) vaccines… And we ourselves looked independently at the clinical trial data… We quickly concluded that independent of the FDA and any corporations that these vaccines were highly effective and very safe… Since then, there have been hundreds of millions of doses received by hundreds of millions of people across the world and they really have prevented serious complications and probably prevented millions of deaths with some very limited and rare adverse effects.Dr. Michael Carome, Director of Public Citizen's Health Research GroupSquishing the federal cop on the corporate crime beat is a prime priority for lobbyists in Congress.Ralph NaderIn Case You Haven't Heard w/ Francesco DeSantis 1. In Arlington, Amazon has halted construction of their much-vaunted second headquarters – or “HQ2” according to the Washington Post. Some may remember the race to the bottom in terms of corporate tax cuts and subsidies that ensued across much of the country in 2017 and ‘18 when Amazon suggested cities and states could compete for this development. Rep. Alexandria Ocasio-Cortez famously opposed these giveaways to Amazon and was pilloried for that in the mainstream press. Turns out, she was right on the money. Despite the fact that Amazon is postponing the construction of this facility, they are still poised to reap over $150 million in taxpayer subsidies from the state of Virginia.2. Harvard University has accepted a $300 million donation from hedge fund manager and right wing billionaire donor Ken Griffin, according to the New York Daily News. In exchange, Harvard will rename their Graduate School of Arts and Sciences to the Kenneth C. Griffin Graduate School of Arts and Sciences.3. In Palestine, trade unions have issued an open letter calling for global solidarity. This letter urged global publics to eliminate procurement from companies complicit in Israeli apartheid and the occupation, divest pension funds from State of Israel Bonds, and specifically called on “port workers and their unions to refrain from loading/offloading Israeli ships, as was done in Oakland, California,” noting that many port workers and unions did the same when combating apartheid in South Africa.4. The American Prospect reports that in Florida, nursing home interests are dumping money into the campaign coffers of Republican state leadership to grease the wheels for a bill which would immunize themselves from lawsuits related to wrongful death in their facilities. As David Dayen tweeted, “Ron DeSantis's War on Woke masks his actual War on Lawsuits.”5. NorthJersey.com reports that a new law in New Jersey has gone into effect, guaranteeing workers a week of severance for every year of service when large employers issue mass layoffs. This law was enacted following the Toys R Us bankruptcy, wherein longtime workers were only granted severance after a massive public pressure campaign.6. Dashcam videos obtained by WIRED show how self-driving cars – currently being recklessly tested in San Francisco – are clogging streets, delaying public transportation, and creating dangerous conditions on the roads. “Autonomous cars in San Francisco made 92 unplanned stops between May and December 2022—88 percent of them on streets with transit service, according to city transportation authorities, who collected the data from social media reports, 911 calls, and other sources, because companies aren't required to report all the breakdowns.”7. In a novel approach, CODEPINK is using digital tools to crowdfund an ad in a major newspaper. This ad urges President Biden to play peacemaker and “End the War in Ukraine.” Supporters can view and donate to the ad at CODEPINK.org.8. A recent article in the climate-focused magazine Grist covers the choices facing the Biden administration regarding the Colorado River. The administration has put forward two bleak plans: “One …would dry up Arizona to preserve California's strong water rights; the other would spread cuts among the states and risk litigation from California.”9. Ben Jacobs reports that, in a speech to the NRA convention, former President Trump appeared to endorse ending home rule in Washington, DC. In typical Trump prose, he said “I think we have to take it over, take over management of our capital." This is a continuation of the assault on DC's sovereignty which recently came to a head when President Biden chose to join with Republicans to block DC's revised criminal code.10. UNITE HERE, the hospitality workers union, grew 18% in 2022, per Bloomberg Law. This stunning growth is second only to the Teamsters, which we covered on this segment last week. As the reinvigorated labor movement continues to expand, we might expect to see this kind of growth among other major unions, such as the United Auto Workers.11. Checking in on out of control police practices, two stories stand out: In New York, Ars Technica reports that the city has begun rolling out “hulking, 400 lb” police robots after being forced to withdraw the project over civil liberties concerns in 2021. Mayor Eric Adams recently slashed budgets for city services like libraries, yet each of these robots will cost around $75,000. In Memphis, the MPD is facing backlash after unveiling a new unit which will “arrest unaccompanied minors that sell food, play loud music, are 'inappropriately dressed' or dancing in the street in Downtown Memphis" per Commercial Appeal. Cardell Orrin, the executive director of the nonprofit advocacy group Stand for Children, compared this to the “Pre-Crime Unit from [the movie] 'Minority Report,'” and added that “targeting minors for a subjective concept like ‘inappropriate clothing' is a coded criminalization of Black culture and Black youth.”12. A bombshell new report from the Corporate Research Project at Good Jobs First reveals that since the year 2000, large companies in the United States have paid “$96 billion in fines and settlements to resolve allegations of covert price-fixing and related anti-competitive practices in violation of antitrust laws.” The companies that have been forced to pay the most include Visa Inc. – at a whopping $6.2 billion – along with Deutsche Bank, Barclays, MasterCard and Citigroup, though the report makes clear that price fixing occurs in many sectors ranging from automotive parts to power generation to healthcare services. Philip Mattera, who authored the report, is quoted saying “Large corporations which are supposed to be competing with one another are often secretly conspiring to set prices…In doing so, they cause economic harm to consumers and contribute to inflation.” Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

In this video, we'll perform a V stock analysis and figure out what the company looks like based on the numbers. We'll also try to figure out what a reasonable fair value is for Visa Inc.. And answer is Visa Inc. one of the best dividend growth stocks to buy at the current price? Find out in the video above! Global Value's Visa Inc. stock analysis. Check out Seeking Alpha Premium and score an annual plan for just $119 - that's 50% off! Plus all funds from affiliate referrals go directly towards supporting the channel! Affiliate link - https://www.sahg6dtr.com/H4BHRJ/R74QP/ If you'd like to try Sharesight, please use my referral link to support the channel! https://www.sharesight.com/globalvalue (remember you get 4 months free if you sign up for an annual subscription!) Visa Inc. ($V) | Visa Inc. Stock Value Analysis | Visa Inc. Stock Dividend Analysis | V Dividend Analysis | $V Dividend Analysis | Visa Inc. Intrinsic Value | V Intrinsic Value | $V Intrinsic Value | Visa Intrinsic Value | Visa Inc. Discounted Cash Flow Model | Visa Inc. DCF Analysis | V Discounted Cash Flow Analysis | V DCF Model #V #stockmarket #dividend #stocks #investing #valueinvesting (Recorded November 5, 2022) ❖ MUSIC ❖ ♪ "Lift" Artist: Andy Hu License: Creative Commons Attribution 3.0. ➢ http://creativecommons.org/licenses/b... ➢ https://www.youtube.com/watch?v=sQCuf...

Tim Attinger is Co-founder and President of OvationCXM, with nearly 30 years of executive management experience in financial services, financial technology and digital transformation. Prior to Co-founding OvationCXM, Tim held executive roles in digital transformation and growth with successful exits at Monitise, a global mobile money platform acquired by Fiserv and Blackhawk Network, which went public in 2013. Before this, Tim had an extensive career with Visa. He managed a $1 Billion plus global portfolio of digital businesses, led product innovation development, and was part of the executive team that took Visa Inc. public in 2008. Preceding roles including building and managing strategic growth initiatives for First Data (now Fiserv) and managing client engagements for a host of Fortune 100 companies with Windermere, a McKinsey-spinoff boutique strategy consultancy.   Questions   • Could share in your own words, even though we did read your formal bio, in terms of your background, a little bit of your journey, how you got to where you are today, in your own words, and why you do what you do? • Can you share with us a little bit about why it's so important that organizations should have customer experience as a priority for their business. What can businesses do to differentiate themselves and set themselves apart? • There's a lot of digital or digitization that's happening across different industries, and because of the digitization, and also artificial intelligence, people are losing their jobs. It is as a result of increase artificial intelligence and they're increasing efficiency, but they're also reducing the level of human input that they're utilizing What are your views on that? • What are some of the key things that we need to think about in the customer journey? • Could you share with us what's the one online resource, tool, website, or app that you absolutely can't live without in your business? • Could you also share with us maybe one or two books that have had the biggest impact on you? It could be a book that you read recently, or even one that you read a very long time ago, but it still has left an indelible mark on your life. • Could you also share with us what's one thing that's going on in your life right now that you're really excited about - either something you're working on to develop yourself or your people? • Where can listeners find you online? • Do you have a quote or saying that during times of adversity or challenge, you will tend to revert to this quote, it kind of helps to keep you on track or get you back on track if for any reason you get derailed? Do you have one of those?   Highlights  Tim's Journey When asked about his journey, Tim shared that the funny thing about it is, it wasn't as though what you just read off was something he sat out to do consciously from the outset. And it was a bit of opportunistic starting in a consultancy, then it basically offered a role with a former client to help drive strategy and then recruited from there by some friends to go to yet another company.   So, he's spent most of his time in a particular industry and a particular kind of role. But it almost feels as though that was a happenstance rather than sort of a conscious thing that he was driving, which he guess means in retrospect, his career is a fascinating thing for him to see, because it's been highly varied, and at the same time, not necessarily overtly managed, if that makes sense.   The Importance of Prioritizing Customer Experience and What Businesses Can do to Set Themselves Apart in the Financial Sector Space Me: Well, thank you so much for sharing. We're in a very unique environment globally, as it relates to customer experience. And so, I'd like for you to share with us a little bit about why it's so important that organizations should have customer experience as a priority for their business. I know most of your experience is in the financial sector, so it'd be good to hear from your perspective, especially seeing that that space is a competitive space. What can businesses do to differentiate themselves and set themselves apart?    Tim shared that he thinks part of the challenge that enterprises find themselves in today, in particularly with respect to sort of customer experience, and how that intersects with digital transformation is that a lot of organizations are looking at customer experience as a way to optimize sort of touch points or channels of communication with customers, as opposed to sort of the way that we look at it, which is thinking about holistically the customers journey with an enterprise.   So, the customer's journey with a business, which is more than just an interaction, but it's a series of engagements as the customer tries to accomplish something in their lives or in their own business.   And so, he thinks part of the challenge that businesses have seen today is that they're thinking about touchpoints as opposed to customer journeys, which creates a challenge in how you solve for delivering great customer experience. And he thinks the reason why customer experience is increasingly important is, it's a fairly simple thing, but it bears repeating with most enterprises, that all of your revenue as an enterprise comes from paying customers.   So, the most important source of growth for your business is your customer base, frankly, the lowest cost position you can possibly have in any marketplace is to have a satisfied customer base that continues to do business with you.   So, he thinks customer experience is increasingly important in the marketplace because recruiting and then retaining and growing a customer relationship is increasingly challenging in competitive spaces. And those organizations that focus on doing it right, and particularly in orchestrating great customer journeys, which we can talk about in a little more detail. But sort of orchestrating great customer journeys will have a competitive advantage relative to organizations that are looking at the sort of either optimizing touchpoints or trying to re architect their entire sort of back-end business from a technology standpoint, as opposed to focusing from the customer back into their business.   Digitization and Artificial Intelligence – Reducing the Level of Human Input Me: Brilliant. So, you spoke about customer journey which I do want to talk about. But before we get onto the customer journey, what I wanted to find out also, especially seeing that this space is competitive. And there's a lot of digital or digitization that's happening across different industries, especially in the financial sector, for sure. And so, as a result of the digitization, and also artificial intelligence, people are losing their jobs. I'm here in Kingston, Jamaica, and over the weekend, I read an article in our local newspaper, stating that 100 persons in the BPO sector are going to be laid off. And I imagine that it is as a result of increased artificial intelligence and they're increasing efficiency, but they're also reducing the level of human input that they're utilizing What are your views on that?    Tim shared that it's unfortunate to hear that news, because the best kind of deployment for artificial intelligence, for machine learning, for automation, is not as a replacement for people, but as a compliment to them.   So, a large part of sort of the platform capabilities and again, just taking from context in sort of his company, OvationCXM, and how they think about it, but a large part of the deployment capability that they put in place is, is essentially helping people be better at the live interaction, and the live engagement and the direct engagement with a customer.   And he thinks about the sort of the analogy of the airline industry, when you think about sort of the check in process, if you've got a fairly straightforward, I just need my boarding pass, I don't have any bags to check, and I'm on my way to the gate, right. That's, something that absolutely, because it's always the same, it's never complicated. Automating that stuff is great, because what it does is it frees up the humans who are there to deal with the family of 5 who just had their flight cancelled, they've got a connection, the luggage is already on the way.   So, when you look at sort of AI and digitization, a lot of the initial investment has been in exactly what you're describing sort of these point solutions where I'm just going to try to automate conversations, and digitize a particular channel, but still I'm not looking at what is the overall customer experience of trying to navigate my entire enterprise? And who are the people, the people who are going to help me do that, the Sherpas who helped him sort of climb this hill that is getting himself live with a product or opening a business and having a financial institution helped him do that.   So, he thinks over the long term, the pendulum will swing back to equilibrium and organizations will realize that conversational automation is great for certain things. But having intelligence inside of systems to help deliver the right answers to the right people in the right moment in the context of what the customer is trying to accomplish and then having humans engaged with that customer is really he thinks where the industry is going to go.   Key Points to Think About in the Customer Journey Me: So, let's go back to the customer journey. So, the journey of the customer, for our listeners that I mean, I've had episodes in the past where we have guests that talk about customer journey. But because I want to get a little bit more granular, let's talk about the customer journey, let's say for example, in a financial institution, if you are, let's say, getting a product, like a credit card, for example, when you look at the journey that the customer will take from application until however long they use that card for, what are some of the key things that we need to think about in the journey? And is a journey just giving the customer the card? Because now we have new business, now we have a new loan that we've booked, or is it more so the maintenance of having that person on board.   Like in Jamaica, for example, one of my greatest pet peeves is, if you pay really well on your credit card, you automatically get an increase annually. I think a telephone call should be given to the customer to find out, “We see that you're a great customer in terms of payments, and we'd like to offer you an additional increase, is this something you'd be open to?” Versus just getting your statement and seeing that you've been given an additional X thousands of dollars on the card. But what are your views on that?   Tim shared that to back it up into sort of where his firm spends most of their time, which is in sort of business relationships. So, banks to take the analogy Yanique just had, imagine a bank helping a business owner who's opening a new business apply for a line of credit so that they can fund equipment and site improvements and setting up a payroll service so that they can sort of disperse funds to employees. And if you think about sort of journeys in 3 basic increments, they're sort of the discovery and buying journey, where he sort of figure out what it is he need, and who has it, and from whom he'd like to buy it.   And then once you finally committed to buying it from someone, what is one of the most challenging things they've seen in financial services is getting a customer from, “Hey, I'd like this solution from you, Mr. Bank, all the way through to it's working for me today and I'm finally live with it.” And in business banking, that process can be fairly complicated with multiple steps. Imagine what it's like as a small business owner applying for a lending relationship, you've got paperwork you fill out, there are forms you have to send in, there are credit checks that the bank does, there's an entire internal process of reviewing your risk and underwriting requirements that you don't even have any visibility into. And then somewhere out the other end of it, you find out whether or not you qualify.   And then on the tail end of the sort of what they call the Go Live journey, there's also the ongoing relationship, which is quite frankly, where most of the experience of a financial institution comes from, which is what's it like every single day for me to use this and solve problems? And what are some of the most important things in sort of thinking about, let's just take that Go Live journey as an example, most businesses are blind to what's happening.   I bought something from you and then it kind of disappears into a black hole, I don't hear from you for 3 or 4 weeks, except every couple of maybe twice you asked me for things completely out of the blue, I have no idea why and then. And then another couple of weeks go by and I get some kind of decision. It's sort of like one of the most opaque things that you can possibly imagine, as opposed to you think about the experience of that business owner, as a consumer when they take advantage of something like a food delivery product, or, God forbid, they just buy something from an online merchant, like an Amazon.   There are really clear steps that are communicated to you, here's where you are, here's where you're going, here's how many steps there are from here to there and step 4, we're going to ask you for something. It's as simple as saying, make it really clear to the customer, what are sort of the stops along the way on the journey that you're about to undertake with them, make them aware of where they are. And even internally in organizations that are trying to deliver to that customer, you quite often have departments that don't talk to each other. So, everybody internally is kind of like, who's got the ball? Who's got next? What am I supposed to be doing now? When does this get done?   And so, he thinks a large part of making experiences go well, it's just connecting all of those humans and systems and teams into a fabric that makes everybody aware of what everyone else is doing. Where are we in this process and communicating that in simple terms to the customer, so they know where they are.   When you think about it a large part of customer experience is just visibility. And, frankly, one of the best ways to disappoint someone is to not meet the expectations that they have. And so, a big part of having a journey go well is just setting expectation upfront, here are the 5 steps that we're going to go through, here's how long it's going to take, here's what we'll need where and when. And here's who you can talk to on this stage, right?   Me: Agreed, agreed, managing expectations and communication is so important.   Tim stated and invisibility, just simply where am I? Who's got this now? And what do they need so that I can make sure it's moving forward, because at the end of the day, the customer is just trying to accomplish something and the journey through your enterprise is just a means to an end, think about that small business owner, I'm just trying to open a business and start selling pizzas. I really don't want to be an expert in underwriting. I just want to know when it is that that process is done, what do you need from me to make it go as quickly as possible?   Me: Indeed. Because at the end of the day, they also have their customers that they're trying to get to serve, but they can't do that if you don't do your part.   Tim agreed that's exactly right. And so, one of the interesting things, you sort of brought up credit cards, one of the most important things that a financial institution can do for a small business owner, is give them a way to accept payment, right?   That sort of what they call accounts receivable, right, which is essentially managing your revenue from your own customers and making that something that's easy to do, that works every time that gets that money from your customers into your bank account on a regular basis. You can make payroll, you can buy supplies, all of that.   The role that banks play in helping small businesses survive and thrive, really is it's critical in those kinds of activities. So, if something goes bump in the night, or there's a hiccup in that process, being on top of it, and giving the customer an expectation when it's going to get solved is super important, particularly for businesses that basically need that cash flow to operate.   App, Website or Tool that Tim Absolutely Can't Live Without in His Business When asked about an online resource that he cannot live without in his business, Tim shared that what's super, super, super critical for them, they use their platform and then a combination of that, and then an online tool set called Miro, which is almost like it's a group whiteboard capability. They use that with their bank clients in the way that you do these things today, because everybody's all over the place, you get on an hour, or two Zoom call and they actually facilitate discussions with their clients on what exactly is it like from a customer's point of view to try to accomplish something inside of your bank.   What is it like from a customer's standpoint, and particularly, not just your bank, but also increasingly, I know, you've seen this, financial institutions are partnering with other companies and external providers and financial technology providers to deliver solutions to businesses. So, increasingly, it's not just, how are you doing things internally, but also, what does it like for the customer to get bounced between you and some other company they've never heard of that you happen to be sourcing a solution from.   So, that capability and the ability to map all of that out in real time with their clients and then so that they can see what that looks like today and then start working to make it better, has become a critical component of sort of how they help those banks improve their business.   Books that Have Had the Biggest Impact on Tim When asked about books that have had an impact, Tim stated that absolutely that's an easy one. In the interest of full disclosure, again, back to he didn't consciously set out in this path to be in financial services. He was originally studying to be a Literature Professor.   Me: You like to read.   Tim stated that he decided he liked it so much, he didn't want to have to do it for a living. So, after he finished his master's degree, as he was thinking about maybe do I or do I not want to go get a doctorate and become a professor. On a lark, moved out to the Bay Area in San Francisco and just backed into a job at a management consulting firm. And the founding partner of that firm encouraged him to read a book by a couple of his McKinsey colleagues called In Search of Excellence: Lessons from America's Best-Run Companies by Thomas J. Peters.   And because he had almost no business education whatsoever, he eagerly dove into it. And the interesting thing about that book is that it's a fairly straightforward analysis of how have companies across a number of different industries been successful. And almost all of the stories come back to a fairly simple premise, that if you build your business from the marketplace back, you start with the customer, you start with a customer group, or a portfolio or a type of customer you want to serve, and then you design everything else about your business around being really great at meeting that need for that customer.   You think about sort of what the typical airline experience was before Southwest came on the scene, or what the typical shopping experience looked like before somebody like an Amazon came on the scene. It's like I'm going to rethink what it is a customer is trying to accomplish, what needs they're trying to fill, and then focus really intently on doing that very well, and strip away everything else that doesn't absolutely serve that need. And so, that was a real revelation for him, sort of as a newbie in the business world.   And that's continued to be a touchstone for every career stop he's had and particularly in the role that he has now, which is basically helping a host of different enterprise companies of various stripes, mainly in financial services now, but also in a number of other industries, get to that realization, focus intently on what is the experience of the customer in trying to accomplish something in their lives and how does he design what he's doing around meeting that really well. So, it's kind of come full circle for him from that sort first introduction to how good businesses operate.    What Tim is Really Excited About Now! When asked about something exciting that's going on right now, Tim shared what's really exciting for him, sort of as he's gone through his career, he's made a study of how businesses create ecosystems, sort of how networks of organizations come together around a common delivery to a customer or to a segment or to create a product, or solution and you think about the companies he's worked in Visa, Blackhawk, sort of which are network business models where you've got sort of, you build a platform, and then you have companies onto that platform and do business with each other through the capability you're delivering.   And they're finding in the business today, OvationCXM, which is their audio sort of customer experience management software platform, that they're starting to see the same kind of ecosystem dynamics that they have in sort of major enterprise banks and insurance companies and healthcare organizations. Partnered with a host of providers of services and solutions, whether that's financial technology, health tech, what have you and their customer experience management platform is becoming a way for them to collaborate and interact as an ecosystem in delivering great experiences to their customers.   And it's fascinating to see that sort of network effect begin to take off. Even something as simple as their customer experience management delivery platform in this industry, it's just fascinating to see network effects start to materialize in the software business, which is it's really exciting for him because he's spent a lot of his days helping to manage and grow network effect businesses, and they're starting to see that in theirs today. So, it's super exciting, at least for him, maybe geeky for most folks, but for him, it's fun to watch.   Me: Okay, it's like you're forming your own community.    Tim agreed yes, exactly. And that's the funny thing about it is that in the same way that communities are super important to our lives as individuals, right, and families, businesses are actually not that different, the immunities of companies that are delivering capabilities or delivering on something tend to be stronger, more resilient. And, frankly, more adaptive.   Where Can We Find Tim Online  Website – www.ovationcxm.com    Quote or Saying that During Times of Adversity Tim Uses When asked about a quote or saying that he tends to revert to, Tim shared that he does and it's from a longer poem by Rudyard Kipling and the entirety of which he doesn't remember off the top of his head, but one line in particular, which is about sort of one of the most important things you can do in times of duress is “Be the person who's keeping his head while everyone else around you is losing theirs.” And he thinks that has helped in a number of ways, in particular stressful situations, it is just to step outside of the challenge that you're currently in and realize that the only way to respond to and solve the challenges is to not let it cloud your mind. And he thinks that that quote has helped immensely in difficult times professionally.   IF ~ BY RUDYARD KIPLING (‘Brother Square-Toes'—Rewards and Fairies) If you can keep your head when all about you        Are losing theirs and blaming it on you,    If you can trust yourself when all men doubt you,     But make allowance for their doubting too;    If you can wait and not be tired by waiting,     Or being lied about, don't deal in lies, Or being hated, don't give way to hating,     And yet don't look too good, nor talk too wise:   If you can dream—and not make dreams your master;        If you can think—and not make thoughts your aim;    If you can meet with Triumph and Disaster     And treat those two impostors just the same;    If you can bear to hear the truth you've spoken     Twisted by knaves to make a trap for fools, Or watch the things you gave your life to, broken,     And stoop and build 'em up with worn-out tools:   If you can make one heap of all your winnings     And risk it on one turn of pitch-and-toss, And lose, and start again at your beginnings     And never breathe a word about your loss; If you can force your heart and nerve and sinew     To serve your turn long after they are gone,    And so hold on when there is nothing in you     Except the Will which says to them: ‘Hold on!'   If you can talk with crowds and keep your virtue,        Or walk with Kings—nor lose the common touch, If neither foes nor loving friends can hurt you,     If all men count with you, but none too much; If you can fill the unforgiving minute     With sixty seconds' worth of distance run,    Yours is the Earth and everything that's in it,        And—which is more—you'll be a Man, my son!    Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Links ·  In Search of Excellence: Lessons from America's Best-Run Companies by Thomas J. Peters   Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners  Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience!

We put our money in banks to keep it safe, and maybe watch it grow. But now that the digital revolution is here, and we've gotten a taste for real-time money movement, we want that same ease to be in place when we bank.  To show us how it's done, Indre Viskontas is speaking with Norman Butler, the Managing Director of Visa Payments Limited, and Parikshit Bhattacharya, who is the VP and Head of Cash Management of the Middle East at Barclays, about the the infrastructure necessary to support moving money across borders, with different currencies, at the scale and speed that we now expect.  So press play and get ready for this insightful episode of Money Travels, brought to you by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.com Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent.Visa Direct product availability and functionality depends on receiving financial institution and region.Visa Direct Wallet capability is under development and not yet commercially available.The Visa controls described in this podcast are for Visa's internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

From gig workers to full timers, it seems people need to get paid faster than ever these days. That's why Visa Direct is helping businesses across the globe strengthen their workforce and increase retention by giving employees fast access to the money they've earned. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by three very exciting guests: the Head of Global Commercialization for Visa Direct, Mike West, Senior Director of Payroll and Benefits at Ralph Lauren, Paul Simpson, and Strategic Initiatives Director at CloudPay, Nick Newman. Together, the four discuss the latest developments in wage access that help employers pay their workers fast - and what implications these innovations might have for the future of work. So press play and settle in for this insightful episode of Money Travels, brought to you by Visa. Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required.All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.Wallet functionality varies by market. Please consult your Visa Representative.Earned Wage Access Preferences Survey (April 2019). Commissioned by Visa and conducted by AYTM among 1,000 employees across the United States.

Migration has been a feature of human history for as long as we've been able to track it, but payment methods have not kept up with the need for safe and efficient ways to send funds home to loved ones. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Breno Andrade, VP, Visa Direct Latin America and Caribbean, and Enrique Perezalonso, CEO and Co-Founder at Palla, a FinTech company that enables faster peer-to-peer payments. The trio discuss the unique needs of those who rely on remittances, and the complications that arise with cross-border money movement, including currency conversion and how remittance fees vary around the world. Plus, they'll cover the latest innovations being developed to address these issues, making it more efficient and convenient to share the wealth. Hit play and enjoy this fascinating episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality varies by market.

Through the digitization of money movement around the world, a time-consuming process that lacked transparency has slowly improved.  But how do we build an even better global money movement network? On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by the Global Head of Visa Direct, Ruben Salazar Genovez. He joins Indre to discuss the challenges associated with building a worldwide network to enable fast money movement and look at how the latest technological innovations are laying the groundwork for the future of money movement. This is an insightful episode you do not want to miss, so press play and join us for Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.com Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border.Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript.This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.

Visa Inc., Q1 2023 Earnings Call, Jan 26, 2023

In this episode of the HR Leaders podcast I'm joined by Holly May to discuss how Walgreens Boots Alliance is creating an unapologetically human approach to leadership, and how Holly is using radical vulnerability to support mental health in the workplace.Holly May is the EVP & Global CHRO at the Wallgreens Boots Alliance. She is responsible for the strategy and direction of innovative global HR programs, policies and practices that support WBA's business goals and initiatives and for ensuring fair and equitable treatment for all team members. Most recently, May served as Global Chief Human Resources Officer for Abercrombie & Fitch Co., managing all aspects of HR and ESG efforts across the company. She previously worked for Starbucks as Senior Vice President of Global Total Rewards and Service Delivery, responsible for consulting with the company's board of directors and executive leadership team on the strategic direction of Starbucks' global compensation and benefits portfolio. Prior to her time at Starbucks, May served in human resources leadership roles of increasing responsibility at ING, Voya Financial and Visa Inc., as an HR business partner and leading Rewards, DE&I and HR strategy.

Visa Inc., Q4 2022 Earnings Call, Oct 25, 2022

National ATM Council, Inc. v. Visa Inc.

THE THESIS: It's out in the open: Biden the Figurehead has been caused to order every department of the federal power structure to help rig the election. Sure, they call it voter turnout and participation drives. That, in and of itself is not the job of the DOJ, IRS, Post Officer, HHS, DHS and the other power-bases. But,  the people who run Joe Biden are actively hiding the details because they will reveal election rigging plans in full light of day.  THE SCRIPTURE & SCRIPTURAL RESOURCES:  Simply put: You shalt not steal You shall not bare false witness A note to the power-brokers How Willingly Do People Go to Hell? THE NEWS & COMMENT: Anna Navvaro is trying to make it possible for only one political side of this land mass to call into question the legitimacy of government bodies.  [AUDIO] - Anna Navarro responds to Chief Justice John Roberts' defense of the Supreme Court's legitimacy. "If he doesn't understand why Americans are questioning the legitimacy of the court, let me explain it to him." Legitimate, Anna?  Durham shocker: Danchenko was a paid FBI informant Legitimate, Anna?  Bombshell: DOJ Conceals Records About Biden's Use Of Federal Agencies To Influence Elections Mollie has covered this before Yes, Biden Is Hiding His Plan To Rig The 2022 Midterm Elections They are ALREADY using the DO”J” to manipulate the elections! Special Master Order Reveals Biden's Direct Involvement In Trump Raid And Six Other Bombshells [AUDIO] - BREAKING: Tucker Carlson says his show obtained subpoenas from the DOJ that were sent to top Trump allies for personal communications Stephen Miller Biden's soulless open border crusade is killing thousands of innocents. Death and destruction everywhere. But instead of going after the murderous cartels, they are going after agents for RTs of pro-border messages. The Biden Administration hates the law and law enforcement. He is referencing this: Border patrol to probe ‘totally unacceptable' retweets of Stephen Miller posts [AUDIO] -  Catherine Herridge: “CBS News has confirmed military prosecutors and defense attorneys are negotiating potential plea deals that could take the death penalty off the table for the five defendants accused in the 9/11 attacks, @CBS_Herridge reports.” Meanwhile . . .  "Payment processor Visa Inc. said Saturday that it plans to start separately categorizing sales at gun shops, a major win for gun control advocates who say it will help better track suspicious surges of gun sales that could be a prelude to a mass shooting" The Pentagon is setting bum fights between the troops Pentagon Tells Struggling Army Soldiers, Families To Apply For Food Stamps Our Woke Military: So-called “Trans” Rights over Religious LibertySee omnystudio.com/listener for privacy information.

Visa Inc., Q3 2022 Earnings Call, Jul 26, 2022

Nshuti Lucy Mbabazi is the Lead for Africa Advocacy & Partnerships at the United Nations Better than Cash Alliance, tasked with ensuring that digital payments reach and work for every African. Nshuti holds several advisory roles with a number of organizations such as  Girl Effect, Girls in ICT Rwanda, Leo Africa Institute, BBOXX Rwanda and RICTA Rwanda. Nshuti previously worked with Rwanda Development Board, Visa Inc. and Ecobank Group. On this episode, Nshuti breaks down the misconceptions around cashless economies and explains how cashless economies can facilitate financial inclusion. Nshuti also speaks about the policies that African stakeholders in government and the private sector can adopt to ensure innovation and inclusion in the digital payments sector.