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        chants have been hurting, and it's far easier to keep
        clients than it is to sign new ones. One final note, stop
        using the pandemic as an excuse for not doing what
        you  need  to  do  to  advance  your  career  and  improve
        yourself. I wish everyone well and hope we'll be back
        to our maskless ways soon enough.
        Jeff Shavitz
        ToolBox Payment
        What a past 12 months it has been—what else can you
        say? The statistics you mention are interesting as the
        world now opens up again. And what have we, as busi-
        ness owners and salespeople, learned during Covid-19?

        1. As an independent business owner, one takeaway is
        having that slush fund of money to be held in reserves
        just in case—and that just in case, happened this past
        year. Yes, it is great to invest in your company, invest
        in new technologies but the expression "cash is king"
        does mean something. Could you ever have imagined            Upcoming events:
        the past year? Of course not, but having some capital in
        reserve helped as we pivoted through these challeng-
        ing times.                                                         Midwest Acquirers Associaiton
                                                                          2021 MWAA Annual Conference
        2. I've learned that during the pandemic, opportunities                   July 21 – 22, 2021
        always exist. But you/me/we must pivot and move fast                          Chicago
        or that opportunity can be done.                                  https://www.midwestacquirers.org

        3. Perspective—I think we all learned this and without
        sounding omniscient, there is more to selling credit                          NACHA
        card processing with people dying around the world                  Smarter Faster Payments 2021
        with this illness.                                                        Aug. 9 – 12, 2021
                                                                                    San Francisco
        4. As businesses (especially swiped accounts like retail             https://payments.nacha.org
        and restaurant) open up, the monthly processing vol-
        umes naturally are increasing and thus, our volumes
        and ensuing residuals will grow. However, we are                                MPC
        speaking to more business owners, CFOs, and other                Mobile Payments Conference 2021
        financial personnel who are now more closely examin-                      Aug. 16 – 18, 2021
        ing their processing fees and percentages.                                  Virtual event
                                                                        https://mobilepaymentconference.com
        Empathy—this is the word that our company spoke                          /register-now-2021/
        most about during the pandemic. While things are im-
        proving, many of us are still struggling in a variety
        of ways—from lost family members, closed businesses,                        Prepaid Press
        significantly lost income and a myriad of other issues.             All Wireless & Prepaid Expo
        As I learned from hearing Tony Robbins during his                         Aug. 17 – 18, 2021
        motivational talks, we either have "inspiration or des-                       Las Vegas
        peration." Get inspired now, and better days are ahead.            http://www.theprepaidexpo.com

        On a personal note, launching my new company, Tool-
        Box Payment, during a pandemic was not easy; how-                               MPC
        ever, having a culture of being open with each other,            Mobile Payments Conference 2021
        sharing the good and the bad, has made the beginning                     August 17 – 19, 2021
        of this new journey very rewarding on many levels. I                        Virtual event
        wish all payment personnel great success in the com-            https://mobilepaymentconference.com/
        ing 12 months as we all continue to grow and look back                   register-now-2021/
        on 2020/21 with great perspective.


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