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Pensacola Business Radio: The Net Effect / Glenda Snodgrass-Assessing Cyber Security Risk: You Can’t Secure It If

The Net Effect, L.L.C. was founded in Mobile, Alabama (US) in 1996.

View my profile on LinkedIn Follow me on Twitter Google+ Glenda R. Snodgrass has been lead consultant and project manager at The Net Effect since the company’s inception in 1996. She is primarily engaged in network security assessments & training, software implementations and technology project management.Glenda is experienced in managing database applications (litigation support, POS, accounting, ecommerce, CRM/ERP) in the US and in France, and has developed browser-based applications in PHP and mySQL. Her extensive hands-on software background gives her unique insight into the user’s perspective and the challenges of securing data while preserving functionality.

A popular speaker on the Gulf Coast, Glenda enjoys giving presentations on information security to civic and professional organizations. You will find her current schedule of public presentations on our Resources page.

She holds a B.A. from the University of South Alabama (1986) and a maîtrise from Université de Paris I – Panthéon-Sorbonne in Paris, France (1989).

Copyright 1996-2017 The Net Effect, L.L.C. All rights reserved. Read our privacy policy

Cyber Self Defense workshops every 3 months, and the next one is Feb 3 ( ).  These workshops are open to the public and designed for non-technical people to learn basic security practices, and of course I’d like to plug it on the show. You can ask me questions about any of the topics in the workshop.  Also, my workshops meet the requirements for the “New Technology Requirement” the Florida Bar is now requiring of its members.  You can read about this at and I expect more bar associations (and other professional orgs) to follow suit.

Cyber Security Risk: You Can’t Secure It If

Defeating Cybercrime with Awareness & Good Habits



Pensacola Business Radio: Spotlight Episode-Mitch Stephen / Founder

mitch-stephen was founded by Mitch Stephen with Javier and Manuel Oblitas to solve some particular marketing and sales issues they recognized were happening in their own businesses.

The main issue was missing inquiries and the need to improve communication with people who wanted more information.  LiveComm became the solution and more!

Can you imagine having the ability to capture the cell phone number of every customer who ever inquired about your business?  Then imagine being able to text every inquirer, at will, for pennies per text.

Technology is constantly changing the way entrepreneurs are staying in touch with their prospects and the pace at which businesses can grow. CLICK HERE to see how cutting edge entrepreneurs are using to completely surpass last year’s net profit!

Mitch Stephen / Founder

Self-employed RE investor for 20 years, starting at the age of 23.

  • Married to his wife, Tommi, and has a daughter, Shannon.
  • Bought and sold over 1,300 properties in and about San Antonio, Tx since 1996, specializing in buying distressed properties with OPM and selling those properties with Owner Financing.
  • Purchased and manages Self-Storage and Boat Storage facilities primarily around Canyon Lake (Texas).
  • Mitch is the author of 2 books: MY LIFE & 1,000 HOUSES: Failing Forward to Financial Freedom and its successor MY LIFE & 1,000 HOUSES 200+ Ways to Find Bargain Properties (currently available in audio version)
  • Mitch offers Online Education, Group Coaching, and Full-on Mentorships as it relates to all the aspects of Owner Financing.
  • Partnered with Raymond Braun in 2005 to create R.E. Capital, LLC, which specializes in loaning on exactly the kind of investor deals they wish they’d have found themselves
  • Forged the creation of Livecomm, a mass texting software designed to help eliminate problems that arise when you get 50 to 100 non-qualified calls a day from bandit signs advertising Owner Financed Houses.
  • Mitch and Partner Carlos Balido teamed up to get off the beaten trail of inflated house prices and started buying manufactured homes in  Mobile Home Parks they did NOT own.
  • Bought 140 manufactured homes and sold 50 of those notes to Jim Clayton of Clayton Manufactured Homes
  • Mitch likes to hunt and fish when he’s not writing songs or playing the drums.

Pensacola Business Radio: Konica Minolta Protecting Your Data Episode 2 / Expert Advise





TJ Edwards – Host /  Chad Lagrone – The Most Amazing Hat Ever

Konica Minolta Business Solutions U.S.A., Inc.

Pensacola, Florida Area


Reid Rushing  | president – insurance division

Beck partners insurance

O: 850.476.3745

151 W Main St, Ste 200

pensacola, fl 32502




Robby Hinson

Senior, IT Consultant

Saltmarsh, Cleaveland & Gund

Sally Fox — has been a practicing attorney since 1983. Sally’s primarily areas of practice include real estate (commercial and residential – including closings, development, title matters, boundary disputes, land use and quiet titles), creditor’s rights (including bankruptcy, foreclosures, and collections) and business formations and operations. She is certified by the Florida Bar is an expert in Real Property.


Emmanuel, Sheppard & Condon, P.A.

2002 – Present (14 years)Pensacola, Florida

Practice Areas
Real Estate (commercial & residential)
Bankruptcy & Creditor’s Rights
Business, Corporate & Banking Law
Commercial / Business Entity Creation
Contract & Commercial Litigation
Mediation & Arbitration


Pensacola Business Radio- The Cyber Security and Internet of Things-Sponsored by Konica Minolta


TJ Edwards/Konica Minolta

How To Be A Visionary

Nobody sees your business the way that you do. And it can be a daunting task to share your vision accurately with others. Technology has the tools to help you accomplish this. But it’s too easy to get lost in the volatile technology landscape. Konica Minolta can help with the guidance and innovative solutions you need to make your vision a reality and position you as a leader in your industry.

You are the ultimate decision maker for your business. That’s a heck of a responsibility. We can help you forge a path to success by giving you the tools to make informed decisions that cut costs and lower your bottom line. We’ll also be there to help you understand industry insights, whether it is data security, mobile workforce or managing your enterprise’s content. You can navigate market trends with us as your trusted advisor.

What do you see when you take a good look at your business? Perhaps you see plenty of areas you’d like to improve. But how? That’s where those decisions become critical. How far can you go without going too far? Let Konica Minolta take that look at your business with you and help you find practical and affordable answers — relieving you of some of the guesswork into those looming questions.

Being a business owner or executive means you need a strong support system of trusted advisors and peers. A group of experts you can call on to help you make clear, informed decisions for the good of your company. Konica Minolta has the expertise to raise your business’ efficiency and profitability levels to their highest peaks. Call us to join your team and help you realize your vision.


Robby Hinson/Saltmarsh, Cleaveland & Gund – IT Consulting


Saltmarsh, Cleaveland & GundAccounting, Tax And Consulting Services

Saltmarsh Cleaveland & Gund has been a leader in the professional services industry for more than 70 years in the Southeast including Pensacola, Ft. Walton Beach, Tampa, and Orlando, Florida. Our reputation was built on the principles of honesty, integrity, accuracy and the highest levels of service to our clients and community.

We understand that running a business is more than number crunching, so we developed a team approach that allows us to draw from the diverse experience and expertise of our staff. Our experienced consultants can help you address financial concerns and formulate a plan to achieve your individual goals. Learn more about us:



Heather Reichmann-TIG

“Customers are fighting real adversaries in the marketplace. To succeed in deflecting them, they rely on a trusted partner that can provide end-to-end security. TIG delivers.”


Real-Time Awareness
React quickly and efficiently to new threats and understand the significance of events that has happened in the past so that your business is not vulnerable.

Maximize Value
Rely on a proven methodology to help you fully leverage security recommendations and technology solutions to maximize your investment. Our support span the breadth of solutions—from security risk assessments to comprehensive, customized deployments.

Eliminate the Guesswork
Enable your key IT event collection, correlation and analysis capabilities. Knowing which assets are both vulnerable and at risk can secure your organization so that you can focus your efforts on assets that need immediate attention.

TIG will review your current network architecture, change control, and other business processes to facilitate the recommendation and implementation plan to secure your business.

The Bash Bug Threat
The Bash bug, also known as “Shellshock,” could pose a larger threat than Heartbleed. This new high-severity threat discovered in the GNU Bash shell allows attackers to execute arbitrary code on targeted systems.


Pensacola Business Radio: Spotlight Episode-Sal Rehmetullah/Fattmerchant


Revolutionizing the payment solutions industry by offering a transparent subscription based merchant services model that offers financial and strategic value to the every day business owner. Why get FATT? Fast access to funds, affordable, secure transactions, and supportive customer service. Frustrated with your current credit card processor? We completely understand. Trust us, we’ve been there. Just like you, we’ve checked the mail and let our merchant service statement sit on the desk for days, avoiding it at all costs. It’s a dreadful, confusing, and frustrating part of being a business owner or handling a company’s finances. Seeing your hard-earned money sucked up by countless fees and surcharges is never easy, but saving money with fattmerchant is. We’re not here to make merchant services seem like rocket science. We’re here offering you the exact opposite experience. With fattmerchant you’ll never dread your merchant service statement again. In fact, you’ll probably be anxious to open it and see how much you’ve saved!


Merchant Services, Financial, Small Business Growth

  • Website

  • Industry

    Financial Services

  • Type

    Privately Held

  • Headquarters

    100 S Orange Ave Suite 400Orlando, Florida 32801 United States

  • Company Size

    11-50 employees

  • Founded


Graduating early from the University of Florida with a major in Finance, Sal has always had the entrepreneurial spirit. He founded his first startup at the age of 19 and spent time learning the ins and outs of business planning, marketing, finances and operations. Sal was recruited to work for Morgan Stanley in 2010 as the company’s youngest Financial Advisor managing assets and portfolios for clients and companies net worth of $10M+. Shortly after, he was recruited as a Client Director in the Customer Success Division at Anaplan, a Cloud Based SaaS Company, responsible for the west regions services team. At Anaplan, he led and delivered a multitude of customer success packages from the sales side, down to implementing a diverse group of use cases to Fortune 50 technology companies from Facebook to Tesla. Sal was one of the first 50 hires at Anaplan and worked his way to leading a team of 60 under his direct supervision.


Currently, Sal is focused on Strategic Alliances as well as helping drive the current vision of creating a streamlined Merchant Services process as COO and Co-Founder of Fattmerchant. His vision is to lead the team to excellence in industry standard, and to scale Fattmerchant to merchants nationally and internationally.   


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Pensacola Business Radio- Spotlight Episode Guests: Alex Charwin with vTECH io


Alex Charwin / vTECH io – Regional Sales

vTECH io is a Premier Dell Partner dedicated to personalizing your Dell experience and Optimizing your IT environment! The mother company of vTECH io was founded in Naples, Florida in 1993. From humble beginnings, vTECH io is rapidly growing a national footprint, including a local rep right here in Pensacola. vTECH io’s goal is to get to know you, your business, and your goals, in order to give you the information and expertise necessary to stay on the cutting edge of technology.

Alex recently joined vTECH io a little over 2 months ago and has taken over as the North Florida Account Executive covering everything from Pensacola to Jacksonville. During these 2 shorts months Alex has become certified in many different areas of Dell’s portfolio and with the help of vTECH’s engineering staff has assisted organizations in dozens of projects, ranging from picking the right laptop for the job to completely restructuring entire data centers.

Alex graduated from Florida Southern College in April 2015 with degrees in Economics, Advertising, and Public Relations. While at school Alex founded Florida Southern College’s first ever Relay for Life, founded the charitable organization Feed the Need, served as a part time admissions councilor, and worked in several different marketing and PR roles. This background allows Alex  a unique prospective, approaching technology with a holistic view of each and every business he works with.

Pensacola Business Radio: Spotlight – Guests: Jenny Clark with Solvability

Jenny W Clark

Your Coach for DCAA Compliant QuickBooks Boot Camp ♦ Veterans Advocate ♦ PodCaster

JENNY W CLARK: Solvability, i4GovCon Community and Summit, DCAA Compliant QuickBooks Boot Camp, Florida GovCon Podcast

As a small business owner in federal contracting, you need to focus on business development, recruitment, program execution and proposals, not worrying about your financial reporting and accounting. Dealing with billings, payroll and expense reporting takes up more of your time than it should. You don’t get your financial statements on time, the numbers keep bouncing around, and your banker keeps asking questions. You need to set up budgets and you need an indirect rate model for running “what-if” scenarios. How do you get your accounting processes streamlined, so you can get back to the real work?

Your options are:
Do It Yourself: Keep searching for answers online or relying on friends for templates.

Done for You: Get an outside group to “re-do” your system, and rely on them to take care of you.

DONE WITH YOU: Review the reporting you have and tweak it so your reports are more accurate and more current. Create a plan that builds on your current systems, shows you how to get more out of it, and focuses on best practices for federal contract accounting. Join live sessions and online courses as a member of a mastermind group, with access to advanced sessions specifically designed for small businesses in federal contracting.

For federal contractors, your accounting system shouldn’t be holding you back, but it will if you can’t pass DCAA audits or prove to a prime that you understand FAR 31 and follow CAS (even though you’re exempt as a small business.)

If you are ready to learn about a fresh approach to getting your accounting system on track – let’s talk. We offer training and support for small businesses in federal contracting including government contract accounting workshops, webinars, boot camps and conferences.

E-mail me at ……or call me right now at **256-882-6276** to get started.

Pensacola Business Radio: Spotlight Interview, Chaya Hendrick/SmartMetric,INC.


 Founder, President & CEO – SmartMetric Inc.: Ms. Hendrick is the founder and technology inventor of SmarMetric, Inc. and has been a successful entrepreneur, business executive and technology inventor for 30 years.  Ms. Hendrick has established a proven track record of outstanding financial returns and successful product launches across a wide spectrum of business initiatives.  Ms. Hendrick secured key patents for the technology she invented, with key patents dating back to 1999.

SmartMetric, Inc. is a technology engineering company that has developed miniature electronic systems and software for use in the field of Biometric identification and validation for the payments, security access and identity validation sectors.

 SmartMetric, Inc. is registered in the State of Nevada. Based in the United States, it has research and development centers in Buenos Aires, Palo Alto and Tel-Aviv.


Retail clerks that still skim credit cards will be stumped with the embedded fingerprint reader

Las Vegas –– June 29, 2016 —- “The underhanded will be stumped trying to figure out how to steal a fingerprint. That neat little way of life where a thief’s ideal retail position is to work just a few hours in the morning, then spend the rest of the day on Madison Avenue with a pocket full of skimmed ID on forged cards. That kind of manipulation by the devious is about over. Our fingerprint activated cards prevent skimming,”states Chaya Hendrick, CEO SmartMetric, Inc.

“No longer will a sneaky little swindler simply swipe your card through the cash register as usual, but then quite deceptively run it through a little skimmer device in his/her pocket. Your precious ID, now stored on the skimmer, is later manipulated to create a new credit card which will be used on an upcoming shopping spree. Those days will soon be over. Once the big banks start issuing our credit cards embedded with our miniature fingerprint reader, it is likely to be the end of the swindlers hey-day of ID theft.”

“Even if a thief should manage to physically steal your card, he/she can’t use it. The only way it works is by pressing the owner’s fingerprint on the card. The owner’s fingerprint is the only ID that can successfully complete a retail transaction, ATM transaction, or make a purchase on a POS card reader. Just press your finger on your card to make your card work. No one else can activate it,” concludes Ms. Hendrick.

SmartMetric has the only biometric card in the world with a miniature fingerprint scanner that can be used across all card reader platforms, including ATM’s. The SmartMetric card also conforms to all ISO and banking industry standards.

The Company is engaged in ongoing discussions with the biggest card issuers in the U.S. and Europe.


Registered in the State of Nevada and based in the U. S, SmartMetric, Inc. is a technology engineering, research and development company with centers in Argentina, Palo Alto, and Tel-Aviv.

SmartMetric specializes in miniature electronic systems and software for use in Biometric identification and validation. Hardware and software engineering are done internally. The Company can deliver unique and cutting edge enterprise-class products to the Payments industry, as well as Corporate and Government sectors.


Pensacola Business Radio-07.11.16 Guests: Scott Absher, CEO of ShiftPixy, Inc.



“Shifter workforce” helps employers avoid the burden of ACA compliance; ShiftPixy revolutionizes the Gig Economy structure
Irvine CA – June 30, 2016 –ShiftPixy, Inc. is currently offering to help fellow employers use innovative solutions to avoid the many burdens created by the Affordable Care Act. Providing unique insurance products, regulatory compliance services, and proprietary human administration tools, ShiftPixy also lends out their private variable workforces to third party employers that have been forced to reduce the size of their organizations.
“ShiftPixy, not the employer, retains the workforce known as ‘Shifters’. All administrative and regulatory matters that accompany the hiring of Shifters is handled by ShiftPixy, totally removing that burden from its contract employers. Under ShiftPixy’s tutelage, these employers get the benefit of having a workforce without the regulatory burdens that normally accompany the hiring of that workforce. The employer gets to maintain workforce levels while providing Shifters the opportunity to receive ‘full time’ revenues and healthcare coverage,” states Scott Absher, CEO, ShiftPixy, Inc.
“The Affordable Care Act is affecting personnel decisions. A survey of more than 600 small business owners by the Society for Human Resource Management found that 20% of companies surveyed reported they have cut the number of workers they employ. Employers are not required to offer coverage for employees who work less than 30 hours per week. A related study found that 12% of employers’ nationwide are planning to reduce workers’ hours as a result of the ACA. By making the Shifters into ShiftPixy employees, we can now lend them out to the third party employers who are in need of additional workers,” continues Absher.
ShiftPixy has reported filing a Reg A+, the new SEC regulatory vehicle that allows non-accredited investors the opportunity to invest in a Company at an early stage (IPO). Previously, investing in pre-market IPO’s had been available to only a select few accredited or institutional investors.
For more information:

ShiftPixy Inc. Regulation A+ IPO


ShiftPixy, Inc. was created to take advantage of weaknesses in compulsory insurance markets where statutory requirements for business owners collide with the extremely limited access to the coverage and compliance they are required to have.

ShiftPixy management is in the optimal position to intermediate a more effective solution to meet the needs on both the provider and shift worker sides of this new labor reality in the U.S. ShiftPixy has developed proprietary technology and client engagement processes that enable the Company to create high value on both sides of the U.S. shift work chasm.

ShiftPixy allows available and qualified shift workers to connect with immediately available shifts from participating ShiftPixy providers through a simple mobile application. Shift workers or “Shifters” can find shift opportunities within their skill set and geographic range, and pick unfilled shifts when they need the work.

ShiftPixy processes the entire workflow on the provider side from offering open shifts, approving a Shifter based on their rich profile, to processing the entire payroll, insurance and regulatory demands for each shift hour worked.


In helping employers take care of their employees, we could see changes and decisions for employers that were resulting in fewer hours for shift workers but leaving gaps or holes in employers’ schedules.


  1. ShiftPixy was designed to sync work opportunities from job providers with the open time slots of available shift workers.

2. ShiftPixy manages relationships with job providers to take open shift opportunities that are filling their schedules and offer them as work opportunities to qualified workers without the formal job interview and commitments.

3. The ShiftPixy app allows shift workers to enroll, profile and prequalify based on their work and training experience for open shift opportunities.  “Shifters” can earn provider specific qualifications to boost their score and access to more shift opportunities.


ShiftPixy has built a very robust platform that processes and manages over 50 essential and regulated aspects of the job provider’s human capital management demands.


Jerry Jennings


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