Podcasts about Apple Pay

Hoy, más de 30 millones de personas en España compran por internet. ¿Lo sabías?Y hay una primicia que lo cambia todo. CaixaBank se convierte en el primer banco en España que permite pagar a plazos tus compras realizadas con Apple Pay desde iPhone o iPad.Con MyCard y otras tarjetas de crédito de CaixaBank puedes financiar tus compras de 2 a 12 meses, de forma rápida, segura y privada, sin que se guarden tus datos de la transacción.CaixaBank. Tú y yo. Nosotros.

Learn if digital wallets make you overspend and how simple habits can help you stay on budget. How do you start money conversations that actually help? Do mobile wallets make you overspend? Hosts Sean Pyles and Elizabeth Ayoola discuss intentional money conversations and the psychology of paying by phone vs. card vs. cash to help you control spending and feel better about your money habits. Joined by Shari Rash, host of Everyone's Talkin' Money, they begin with a discussion of money talk made easier, with tips and tricks on opening with neutral topics like grocery prices, identifying your first money memory, and swapping shaming language for neutral phrasing. Then, personal finance nerd Kate Ashford joins Sean and Elizabeth to discuss whether paying by phone changes what you spend. They discuss why “payment coupling” can dull the pain of spending, guardrails to curb impulse buys (fun-money caps, 24-hour waits, no saved cards), and where cash, credit cards, mobile wallets, and envelope-style budgeting apps (like YNAB and Goodbudget) fit for security and self-control. Does Using a Credit Card Make You Spend More Money? https://www.nerdwallet.com/article/credit-cards/credit-cards-make-you-spend-more  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mobile payments, Apple Pay, Google Pay, digital wallet security, overspending, impulse buying, cash vs credit card, payment coupling, behavioral finance, pay by phone vs card, cash stuffing, envelope method, ynab, goodbudget, budgeting apps, grocery budget tips, price per ounce shopping, money mindset, first money memory, financial check-ins, unsubscribe from promo emails, wait 24 hours before buying, fun money budget, online shopping guardrails, biometric authentication, credit card fraud protection, cashless venues, spending guardrails, budgeting limits, talking about money with partner, how to start money conversations, rising grocery prices, neutral money language, feeling rich vs being rich, allocate money for joy, mobile wallet pros and cons, tap to pay risks, and how to curb impulse shopping. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the Woody and Wilcox Show: Chelsea is out sick; The Emmy awards: Nate Bargatze hosts, Boys and Girls Club donation,youngest male Emmy winner ever; Someone is using Woody's Apple Pay in China; Blue alert issues in North Carolina for an incident in Georgia; Krispy Kreme releases Fall Fair collection; Paris Hilton mini-fridge recall; Benefits of sleeping at work; Watching ads to get toilet paper; And more!

Send us a textPizza Boi drops another new track, Buddy finds a landline in a grocery store's bathroom and an Apple Pay scammer tries to get us our money back. Check out WDUM's patreonpatreon.com/wdumBonus shows only for paid subscribers, including The Olympus Sessions our new monthly show Subscribe to the WDUM podcast feed anywhere you get podcasts:https://open.spotify.com/show/1iExrNGdZ9KjPX9hC36yrshttps://podcastaddict.com/podcast/wdum/3297045https://podcasts.apple.com/us/podcast/wdum/id1562251732https://www.buzzsprout.com/1747936https://www.youtube.com/@wdum5346https://www.patreon.com/WDUMhttps://www.buymeacoffee.com/wdumshowhttps://www.youtube.com/playlist?list=PLrVKWbjJYhE5dFnMTyuNNK7gwHlE6NnI0#pranks #prankcalls #phones #scams #scambaiting #scammers #scammerprankcalls#comedypodcast#scambait#prankpodcast#phonepranks#stupid#prank#scammer, #rage, #meltdown, #funny, #caughtontapeSend letters to WDUMShow@yahoo.comFor exclusive calls and bonus content https://www.patreon.com/WDUMDonate to the WDUM on https://bmc.link/wdumshow

Apple just dropped the iPhone 17 lineup and Mikah Sargent walks you through a smart pre-order setup that could be the difference between snagging your dream device on day one or missing out. Find out the exact steps and tips to avoid the dreaded "sold out" message. Host: Mikah Sargent Download or subscribe to Hands-On Apple at https://twit.tv/shows/hands-on-apple Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

Apple just dropped the iPhone 17 lineup and Mikah Sargent walks you through a smart pre-order setup that could be the difference between snagging your dream device on day one or missing out. Find out the exact steps and tips to avoid the dreaded "sold out" message. Host: Mikah Sargent Download or subscribe to Hands-On Apple at https://twit.tv/shows/hands-on-apple Want access to the ad-free video and exclusive features? Become a member of Club TWiT today! https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

Lily Liu, President of the Solana Foundation, explains why Bitcoin and Solana will replace traditional banking. She discusses how Bitcoin serves as digital gold while Solana provides the infrastructure to bank 5.5 billion people currently excluded from the financial system. __________________________________PARTNERS

Accesso Technology Group PLC (LSE:ACSO, OTC:LOQPF) chief executive Steve Brown talked with Proactive's Stephen Gunnion about trading momentum after June's heat-wave, the integration of recent acquisitions, upcoming AI features and how the company is thinking about capital allocation. Brown said July and August trading returned to expectations after a softer June, noting that “what we lost in June, we gained in July,” with August looking “more in line with our expectations.” He outlined how a refreshed commercial focus is improving win rates by narrowing teams onto specific products (including Paradocs, Horizon, 1RISK and Freedom) and strengthening sales enablement — from faster responses to better proposals — so sales directors are better supported. On M&A, Brown explained the strategic fit of 1RISK, a waiver platform widely used by Accesso's ski customers, producing roughly 4–5 million waivers annually. Bringing it in-house should allow deeper product integration and provide a competitive edge, with use cases extending beyond ski to projects such as Horizon deployments in Saudi Arabia. Looking ahead, Accesso is developing voice-based, self-service ordering — for example, booking tickets via natural speech and completing payment through Apple Pay or Google Wallet. Prototypes for Passport and Freedom are complete, with a debut in the coming months and general availability targeted for next year. On the outlook, Brown highlighted resilient cash generation and said the company will prioritise acquisitions but could consider buybacks or other returns depending on opportunities and valuation. Adjusting for a one-off hardware sale last year, revenue was up 1.2% on a constant-currency basis. “We'll continue to focus on acquisitions first… and if we don't see the acquisition opportunities there, we're going to focus on buybacks and other ways to return that capital to our shareholders,” he said. If you found this useful, visit Proactive's YouTube channel for more interviews. And don't forget to like, subscribe and turn on notifications for future content. #Accesso #SteveBrown #ThemeParks #Ticketing #GuestExperience #AICommerce #VoiceOrdering #Horizon #1RISK #Investing #UKSMEs #CapitalAllocation #Buybacks #MergersAndAcquisitions #SaaS

Episode 1420 - Sunday sees Manchester City vs Manchester United. Live on Sky Sports, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 new customer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred new customer offer Ladbrokes Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. No promo code required when registering. Terms: 18+ New UK+ROI customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4 x £/€5 free bets (selected sportsbook markets only, valid 7 days, stake not returned. Restrictions + T&Cs apply. ladbrokes sign up offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill bonus code bet356 guide and our coral promo code guide. unibet new customer offer and ladbrokes bonus code guides. Read our pages bet365 bonus code 2025 coral new customer offer betfred bonus code bet365 lucky 15 bonus Top pages https://www.newcustomeroffer.co.uk/offers/bet365-new-customer-offers/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1421 - Sunday sees Burnley vs Liverpool. Live on Sky Sports, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 sign up offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred bonus code Coral Bet £5, Get £20 in Free Bets For new customers 18+ Coral are offering a Bet £5, Get £20 in Free Bets offer. No promo code is required when registering.  Terms: 18+ New Customers only. Certain deposit methods & bet types excl. Min first £5 bet within 14 days of account reg at min odds 1/2 to get 4 x £5 free bets. Free bet available to use on selected sportsbook markets only. Free bets valid for 7 days, stake not returned. Restrictions + T&Cs apply. coral sign up offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill promo code 365bet guide and our coral bonus code guide. unibet sign up offer and ladbrokes promo code guides. Read our pages bet365 promo code boylesports sign up offer ladbrokes new customer offer bet365 maximum payout Top pages https://www.newcustomeroffer.co.uk/offers/bet365-bet-credits-explained/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1422 - Saturday sees Brentford vs Chelsea. Live on Sky Sports, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet 365 new customer offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred sign up offer Ladbrokes Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. No promo code required when registering. Terms: 18+ New UK+ROI customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4 x £/€5 free bets (selected sportsbook markets only, valid 7 days, stake not returned. Restrictions + T&Cs apply. ladbrokes sign up offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill bonus code bet366 guide and our coral promo code guide. william hill new customer offer and ladbrokes bonus code guides. Read our pages bet365 promo code coral welcome offer betfred promo code new customer offer Top pages https://www.newcustomeroffer.co.uk/offers/bet365-new-customer-offers/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ https://www.newcustomeroffer.co.uk/offers/bet365-bet-credits-explained/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Jānis Stirna is the co-founder and CEO of Handwave. The company's palm-scanning tech enables cardless, phoneless payments and identity verification, emphasizing security (two-factor biometrics) and affordability to outpace rivals like Amazon One. With $5M raised—including a $4.2M seed from Practica Capital in August 2025—Handwave partners with Visa and targets retail pilots in Europe, the U.S. and beyond.On this episode we talk about:How fintech innovations like Apple Pay inspired HandwaveNavigating $5M in funding for hardware B2C fintechLeveraging Riga's fintech hub for talent and pilots, challenges in U.S./EU markets (regulations/privacy)Visions for mainstream palm payments by 2030, AI's role in scaling and the next big platformScrappy tips for Baltic founders—like focusing on technical edges and avoiding hype pitfalls.==If you liked this episode or simply want to support the work we do, buy us a coffee or two, or a hundred, with just a few clicks at: https://buymeacoffee.com/pursuitofscrappinessFind all episodes on >  https://www.pursuitofscrappiness.co/Watch select full-length episodes on our YouTube channel > https://www.youtube.com/channel/UCP6ueaLnjS-CQfrMCm2EoTAConnect with us on Linkedin > https://www.linkedin.com/company/pursuit-of-scrappiness/===============Support the show

Discover how Fieldbar turned a “boring” cooler category into a premium lifestyle brand, and the exact marketing levers they pulled to do it. You'll learn their luxury positioning framework (including safari heritage), the paid media metrics that matter, and how authentic scarcity improved ROAS. We unpack their Shopify stack—from Instagram to 3PLs to Klaviyo—and why enabling Apple Pay (via Stitch) instantly lifted conversions. Plus, hear their stance on UGC cadence, AI in creative, 5-year warranty as risk removal, and the simple “continuous improvement” loop that scales.

00:00: ☀️ Bom dia Tech!00:23:

Trump Blasts Terror Boat Amid Epstein Files Fury! New AP Poll and Week 1 NFL SlateLive Show Monday-Thursday, 3pm est.SOCIALS: https://linktr.ee/drewberquist NEWS: https://DrewBerquist.com MERCH: https://RedBeachNation.com#DrewBerquist #ThisIsMyShow #TIMSTop 100 Political News Podcast with https://www.millionpodcasts.com/political-news-podcasts/#1 Counterterrorism Podcast on Feedspot: https://podcast.feedspot.com/counter_terrorism_podcasts/Show Notes/Links:New AP Top 25 is inhttps://x.com/CFBONFOX/status/1962939792494362992Brian Kelly slams Dabo Swinney's grading commentshttps://x.com/LarryWilliamsTI/status/1962932047053250720Penn State switching to Adidas from Nikehttps://x.com/On3sports/status/1962985022454927643Week 1 NFL slatehttps://x.com/NFLonFOX/status/1962515798230216802Trump strikes Tren de Aragua boathttps://x.com/PressSec/status/1962990882652881138Liberals meltdown over narco terrorists being killedhttps://x.com/joma_gc/status/1963059076536946868Pentagon authorizes 600 military lawyers to serve as immigration judgeshttps://x.com/disclosetv/status/1962938033537228843Anna Paulina Luna says Epstein may have been asset, plans to release fileshttps://x.com/LizCrokin/status/1962992808052277289House Committee releases subpoenaed Epstein docshttps://x.com/TheInsiderPaper/status/1963000832921854235Anna Paulina Luna makes remarks about meeting with Epstein survivors, fileshttps://x.com/MJTruthUltra/status/1963092188654444639MTG says she will proudly sign Thomas Massie's discharge petitionhttps://x.com/RepMTG/status/1962983351695847840 What is Thomas Massie's petition? https://x.com/RepThomasMassie/status/1962950793901830155White House says anyone who supports Thomas Massie's Epstein discharge petition will be seen as hostilehttps://x.com/ImBreckWorsham/status/1963187028247605480Gen-Z girl flips out over Apple Pay being connected to 'real money'https://x.com/LangmanVince/status/1962833683963940983See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Emin Gun Sirer is the CEO and Co-founder of Ava Labs, the company behind Avalanche - one of the world's largest blockchain networks with a peak valuation over $60 billion.__________________________________PARTNERS

Episode 1418 - Friday sees Denmark vs Scotland. Live on BBC Two, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 new customer offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred new customer offer Ladbrokes Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. No promo code required when registering. Terms: 18+ New UK+ROI customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4 x £/€5 free bets (selected sportsbook markets only, valid 7 days, stake not returned. Restrictions + T&Cs apply. ladbrokes new customer offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill bonus code 365bet guide and our coral casino bonus code guide. unibet sign up offer and ladbrokes bonus code guides. Read our pages bet365 bonus code coral sign up offer betfred promo code boylesports bonus code Top pages https://www.newcustomeroffer.co.uk/offers/unibet-new-customer-offers/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Granted, it's only one game..... but... what a turd in "Chapel Bill" on Monday night. And of course, his perky girlfriend is gonna catch a lot of heat as this thing circles the drain this year, but something tells me she might actually relish it. Manage your own hype, people! The Giant #43 has been retired! Mike Gundy re-makes a classic. Coaches taking pot shots at each other. Dude Wipes meets the perfect sponsor opportunity. Apple Pay is real money, you guys! Rules for thee, but not for me. Free buses! MORE.....Our Sponsors:* Check out Hims: https://hims.com/CZABE* Check out Indeed: https://indeed.com/CZABEAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

After a girl went viral for not understanding Apple Pay, we shared the tech we don't get for Hashtag Tag!

Facilitator: MariaTopics:  Issues with using guesters in Facebook post;  How to open attachments in an email?;   Does anyone know about any aol ringtones;   Printing labels from your phone;   How to delete drafts in the email app;  How to reset your step counts?;   How to forward a text message;   Can you forward multiple text messages?; Issue with viewing terms with VO;   Issues with navigating current in music; Using a payment method with Apple Pay?;  How to close the Wallet on phone;  Using a brail display with phone;  Changing the double tap delay; Getting duplicates of contacts;  what's the different ways in forwarding a picture;    VoiceOver reading to with two voices at the same time;   Any benefits of having a contact card for yourself?;  Why are the IOS Updates not in order;  How do you define a haptic;  Using haptics for telling time;  Shokz earbuds seems to not staying charged iBUG Byte:  Maria: Emergency Bypassing Feature within contacts

Episode 1416 - Sunday sees Germany vs Northern Ireland. Live on BBC Two, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 sign up offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred new customer Ladbrokes Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. No promo code required when registering. Terms: 18+ New UK+ROI customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4 x £/€5 free bets (selected sportsbook markets only, valid 7 days, stake not returned. Restrictions + T&Cs apply. new customer offer ladbrokes William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill bonus code bet365 10 for 30 guide and our coral promo code guide. unibet new customer offer and ladbrokes bonus code guides. Read our pages bet 365 bonus code coral bet 10 get 50 betfred promo code boylesports promo code Top pages https://www.newcustomeroffer.co.uk/offers/unibet-new-customer-offers/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1414 - Tuesday sees Serbia vs England. Live on ITV1, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 sign up offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred new user promo Ladbrokes Bet £5, Get £20 in Free Bets  For new customers only. 18+, Ladbrokes are offering a Bet £5, Get £20 in Free Bets. No promo code required when registering. Terms: 18+ New UK+ROI customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4 x £/€5 free bets (selected sportsbook markets only, valid 7 days, stake not returned. Restrictions + T&Cs apply. ladbrokes sign up offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill bonus code bet366 guide and our coral promo code guide. unibet new customer offer and ladbrokes casino bonus code guides. Read our pages bet 365 bonus code coral sign up offer betfred promo code ladbrokes bet 5 get 20 Top pages https://www.newcustomeroffer.co.uk/offers/unibet-new-customer-offers/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1417 - Saturday sees England vs Andorra. Live on ITV1, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our new customer offer bet365 guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred bonus code Coral Bet £5, Get £20 in Free Bets For new customers 18+ Coral are offering a Bet £5, Get £20 in Free Bets offer. No promo code is required when registering.  Terms: 18+ New Customers only. Certain deposit methods & bet types excl. Min first £5 bet within 14 days of account reg at min odds 1/2 to get 4 x £5 free bets. Free bet available to use on selected sportsbook markets only. Free bets valid for 7 days, stake not returned. Restrictions + T&Cs apply. coral sign up offer £50 William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill promo code bet365 30 free bet guide and our coral bonus code guide. unibet sign up offer and ladbrokes casino bonus code guides. Read our pages bet365 promo code uk boylesports promo code ladbrokes joining offer betfred lucky 15 bonus Top pages https://www.newcustomeroffer.co.uk/promo-codes/william-hill-promo-code-r30/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

Episode 1415 - Monday sees Belarus vs Scotland. Live on BBC Three, we highlight 3 of the best bookmaker offers available right now, if you fancy a bet. Make sure to visit our website for our bet365 new customer offer guide. Betfred Bet £10, Get £50 in Free Bets For new customers only, 18+, Betfred are offering a Bet £10, Get £50 in Free Bets and Bonuses offer. Use promo code BETFRED50 when registering. Terms: New customers only. Register, deposit with Debit Card, and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. betfred bonus code Coral Bet £5, Get £20 in Free Bets For new customers 18+ Coral are offering a Bet £5, Get £20 in Free Bets offer. No promo code is required when registering.  Terms: 18+ New Customers only. Certain deposit methods & bet types excl. Min first £5 bet within 14 days of account reg at min odds 1/2 to get 4 x £5 free bets. Free bet available to use on selected sportsbook markets only. Free bets valid for 7 days, stake not returned. Restrictions + T&Cs apply. coral welcome offer William Hill Bet £10, Get £40 in Free Bets For new customers only, 18+, William Hill are offering Bet £10, Get £40 in Free Bets. Use promo code G40 when registering Terms: Play Safe. Online only. For new UK register customers using promo code G40. Deposit & place £10 cash single bet (min odds 1/2) on sportsbook (excl. Virtuals). Get £40 in Free Bets (4x£10), valid for sportsbook (excl. Virtuals), 7 days expiry, must use in full (£10 each). Not valid with deposits via PayPal, Neosurf, Paysafe, Apple Pay, NETELLER, Skrill, ecoPayz, Kalibra/Postpay or WH PLUS Card. One per customer. Full T&Cs apply. www.begambleaware.org #ad william hill promo code 365bet guide and our coral bonus code guide. unibet sign up offer and ladbrokes promo code guides. Read our pages bet365 bonus code uk boylesports promo code ladbrokes new customer offer bet365 max payout Top pages https://www.newcustomeroffer.co.uk/promo-codes/william-hill-promo-code-r30/ https://www.newcustomeroffer.co.uk/promo-codes/bet365-bonus-code-uk/ https://www.newcustomeroffer.co.uk/offers/ladbrokes-new-customer-offer/ https://www.newcustomeroffer.co.uk/promo-codes/ladbrokes-promo-code-2025/ https://www.newcustomeroffer.co.uk/offers/coral-new-customer-offers/ Listeners & Subscribers 18+. Please be Gambleaware, you can visit GambleAware.org for more information and of course please bet responsibly.

00:00:00 – America's Podcast & Apple Pay Meltdown The hosts kick off with jokes about being “America's podcast” and share some odd headlines. They play a viral clip of a woman crying because she thought Apple Pay used “Apple Dollars” instead of real money, leading to a big credit card bill. The crew jokes about debt collectors, confusion over Steve Jobs vs. Tim Cook, and whether the clip was parody or genuine. 00:10:00 – Red-Eyed Aliens: Kelly Cahill's Encounter They dive into Kelly Cahill's 1993 alien abduction in Australia, where she reported seeing tall, black, red-eyed beings. Her strong Christian faith framed the experience as a spiritual battle. She telepathically pleaded with the craft, saw multiple witnesses present, and later experienced missing time. 00:20:00 – The Terrifying Encounter Unfolds Kelly and her husband stopped their car near a glowing craft. They, along with several bystanders, witnessed red-eyed entities gliding toward them. Kelly felt overwhelming fear, nausea, and a psychic assault. The beings projected the thought “let's kill them,” before a sterile voice from the craft claimed: “We mean you no harm. I am her father.” Kelly resisted, insisting they were evil. 00:30:00 – Resistance, Faith, and Aftermath Kelly fought back, invoking God, which seemed to weaken the beings' hold. After missing time, she awoke with strange body marks and signs of a possible phantom pregnancy. Later, she was visited at night by hooded, red-eyed entities who appeared to drain her life force. In dreams, they offered her a ride if she abandoned her Bible—she chose faith. Investigators later confirmed multiple witnesses to the craft. 00:40:00 – Red-Eyed Entities Worldwide The discussion broadens to other cases: Mothman, Puerto Rico hooded figures, Alabama sightings, Brazil's Varginha incident, and Jacques Vallée's research linking red eyes to demon and fairy lore. The hosts suggest these beings thrive on fear, unlike the more clinical “grey” aliens, and may be soul-stealing entities. 00:50:00 – Remote Viewing 3I Atlas Comet/Asteroid Shifting topics, they cover remote viewing sessions of the interstellar object 3I Atlas. Viewers reported it as partly biological and artificial, slimy, with advanced technology, cloaking, and possible AI. Descriptions included observation windows, propulsion systems, and intentions of manipulation or control. The consensus: it's not friendly. 01:00:00 – Dark Intentions of 3I Atlas Remote viewers described ominous behaviors: mind control, scanning, mass hysteria, and disdain for humanity. The object seems ancient, engineered, and possibly waiting for the right time to reveal itself. Its closest approach to Earth is expected in December 2025. The hosts joke about “slimy camouflage aliens” ruining Christmas. 01:10:00 – Gifts, Gags, and Phone Lines Listeners sent the hosts a Hulk Hogan bobblehead and Flatwoods Monster puzzle, which go onto the “Shelf of Honor.” They open the phone lines, offering five pounds of pumpkin spice as a giveaway. Callers speculate on 3I Atlas, joke about Santa being an alien, and discuss pumpkin scarcity in Alaska. 01:20:00 – Calls from Beyond: Queen Elizabeth Returns A caller role-plays as Queen Elizabeth from the afterlife, lamenting the lack of pumpkin spice in heaven and repeatedly chanting “mama mama.” The hosts joke about her getting medical advice from Dr. Pepper in the afterlife. 01:30:00 – News of the Weird: Costumed Justice News updates include: Police bodycam footage of Chuck E. Cheese being arrested for credit card fraud, traumatizing kids. A Florida man in Batman pajamas stopping a burglar, with the pajamas giving him “extra confidence.” Discussion of lame Batman villains and the idea of Batman vs. Bigfoot. A Japanese AI-generated video simulating a Mount Fuji eruption to warn citizens, described as “AI fear porn.” 01:40:00 – AI Fear Porn & Mount Fuji The hosts cover a Japanese government initiative using AI-generated videos to simulate a Mount Fuji eruption. The goal is to prepare Tokyo residents, but the hyper-realistic clips look terrifying — with ash clouds, gridlocked transport, and people panicking in the streets. They joke about it being “AI fear porn,” noting it's effective but unsettling. The discussion touches on disaster preparedness, psychological effects of such visuals, and whether people would take it seriously or just freak out. 01:50:00 – Wrapping Up with Oddities The show closes with more banter on AI, disasters, and absurdity. They riff on cultural quirks, emergency responses, and how media often blurs the line between warning and entertainment. As always, it ends with a mix of humor, skepticism, and bizarre imagery — leaving listeners with both laughs and unease. Remote Viewing 3I/Atlas https://www.adventuresinremoteviewing.com/post/remote-viewing-3i-atlas   Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Phone: 614-388-9109 ► Skype: ourbigdumbmouth ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2  

Jordi Alexander, founder of Selini Capital,  is a crypto investor who's built significant wealth by understanding one key insight: traditional money and investing strategies are fundamentally broken.__________________________________PARTNERS

AI becomes a thinking partner, not a replacement, as Dan Sullivan and Dean Jackson compare their distinct approaches to working with artificial intelligence. In this episode of Welcome to Cloudlandia, we explore how Dan uses Perplexity to compress his book chapter creation from 150 minutes to 45 minutes while maintaining his unique voice. Dean shares his personalized relationship with Charlotte, his AI assistant, demonstrating how she helps craft emails and acts as a curiosity multiplier for instant research. We discover that while AI tools are widely available, only 1-2% of the global population actively uses them for creative and profitable work. The conversation shifts to examining how most human interactions follow predictable patterns, like large language models themselves. We discuss the massive energy requirements for AI expansion, with 40% of AI capacity needed just to generate power for future growth. Nuclear energy emerges as the only viable solution, with one gram of uranium containing the energy of 27 tons of coal. Dan's observation about people making claims without caring if you're interested provides a refreshing perspective on conversation dynamics. Rather than viewing AI as taking over, we see it becoming as essential and invisible as electricity - a layer that enhances rather than replaces human creativity. SHOW HIGHLIGHTS Dan reduces his book chapter creation time from 150 to 45 minutes using AI while maintaining complete creative control Only 1-2% of the global population actively uses AI for creative and profitable work despite widespread availability Nuclear power emerges as the only viable energy solution for AI expansion, with one gram of uranium equaling 27 tons of coal Most human conversations follow predictable large language model patterns, making AI conversations surprisingly refreshing Dean's personalized AI assistant Charlotte acts as a curiosity multiplier but has no independent interests when not in use 40% of future AI capacity will be required just to generate the energy needed for continued AI expansion ​ ​ Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com ​ ​ ​ TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Speaker 1: Welcome to Cloud Landia, Speaker 2: Mr. Sullivan? Speaker 1: Yes, Mr. Jackson. Speaker 2: Welcome to Cloud Landia. Speaker 1: Yes. Yeah. I find it's a workable place. Cloud Landia. Speaker 2: Very, yep. Very friendly. It's easy to navigate. Speaker 1: Yeah. Where would you say you're, you're inland now. You're not on Speaker 2: The beach. I'm on the mainland at the Four Seasons of Valhalla. Speaker 1: Yes. It's hot. I am adopting the sport that you were at one time really interested in. Yeah. But it's my approach to AI that I hit the ball over the net and the ball comes back over the net, and then I hit the ball back over the net. And it's very interesting to be in this thing where you get a return back over, it's in a different form, and then you put your creativity back on. But I find that it's really making me into a better thinker. Speaker 3: Yeah. Speaker 1: Yeah. I've noticed in, what is it now? I started in February of 24. 24, and it's really making me more thoughtful. Ai. Speaker 2: Well, it's interesting to have, I find you're absolutely right that the ability to rally back and forth with someone who knows everything is very directionally advantageous. I heard someone talking this week about most of our conversations with the other humans, with other people are basically what he called large language model conversations. They're all essentially the same thing that you are saying to somebody. They're all guessing the next appropriate word. Right. Oh, hey, how are you? I'm doing great. How was your weekend? Fantastic. We went up to the cottage. Oh, wow. How was the weather? Oh, the weather was great. They're so predictable and LLME type of conversations and interactions that humans have with each other on a surface level. And I remember you highlighted that at certain levels, people talk about, they talk about things and then they talk about people. And at a certain level, people talk about ideas, but it's very rare. And so most of society is based on communicating within a large language model that we've been trained on through popular events, through whatever media, whatever we've been trained or indoctrinated to think. Speaker 1: Yeah, it's the form of picking fleas off each other. Speaker 2: Yes, exactly. You can imagine that. That's the perfect imagery, Dan. That's the perfect imagery. Oh, man. We're just, yes. Speaker 1: Well, it's got us through a million years of survival. Yeah, yeah. But the big thing is that, I mean, my approach, it's a richer approach because there's so much computing power coming back over, but it's more of an organizational form. It's not just trying to find the right set of words here, but the biggest impact on me is that somebody will give me a fact about something. They read about something, they watch something, they listen to something, and they give the thought. And what I find is rather than immediately engaging with the thought, I said, I wonder what the nine thoughts are that are missing from this. Speaker 3: Right? Speaker 1: Because I've trained myself on this 10 things, my 10 things approach. It's very useful, but it just puts a pause in, and what I'm doing is I'm creating a series of comebacks. They do it, and one of them is, in my mind anyway, I don't always say this because it can be a bit insulting. I said, you haven't asked the most important question here. And the person says, well, what's the most important question? I said, you didn't ask me whether I care about what you just said. You care. Yeah. And I think it's important to establish that when you're talking to someone, that something you say to them, do they actually care? Do they actually care? Speaker 1: I don't mean this in that. They would dismiss it, but the question is, have I spent any time actually focused on what you just told me? And the answer is usually if you trace me, if you observed me, you had a complete surveillance video of my last year of how I spent my time. Can you find even five minutes in the last year where I actually spent any time on the subject that you just brought up? And the answer is usually no. I really have, it's not that I've rejected it, it's just that I only had time for what I was focused on over the last year, and that didn't include anything, any time spent on the thing that you're talking about. And I think about the saying on the wall at Strategic Coach, the saying, our eyes only see, and our ears only here what our brain is looking for. Speaker 2: That's exactly right. Speaker 1: Yeah. And that's true of everybody. That's just true of every single human being that their brain is focused on something and they've trained their ears and they've trained their eyes to pick up any information on this particular subject. Speaker 2: The more I think about this idea of that we are all basically in society living large language models, that part of the reason that we gather in affinity groups, if you say Strategic coach, we're attracting people who are entrepreneurs at the top of the game, who are growth oriented, ambitious, all of the things. And so in gatherings of those, we're all working from a very similar large language model because we've all been seeking the same kind of things. And so you get an enhanced higher likelihood that you're going to have a meaningful conversation with someone and meaningful only to you. But if we were to say, if you look at that, yeah, it's very interesting. There was, I just watched a series on Netflix, I think it was, no, it was on Apple App TV with Seth Rogan, and he was running a studio in Hollywood, took over at a large film studio, and he started Speaker 1: Dating. Oh yeah, they're really available these days. Speaker 2: He started dating this. He started dating a doctor, and so he got invited to these award events or charity type events with this girl he was dating. And so he was an odd man out in this medical where all these doctors were all talking about what's interesting to them. And he had no frame of reference. So he was like an odd duck in this. He wasn't tuned in to the LLM of these medical doc. And so I think it's really, it's very interesting, these conversations that we're having by questioning AI like this, or by questioning Charlotte or YouTube questioning perplexity or whatever, that we are having a conversation where we're not, I don't want to say this. We're not the smartest person in the conversation kind of thing, which often you can be in a conversation where you don't feel like the person is open to, or has even been exposed to a lot of the ideas and things that we talk about when we're at Strategic Coach in a workshop or whatever. But to have the conversation with Charlotte who's been exposed at a doctoral level to everything, it's very rewarding. Speaker 1: She's only really been exposed to what Dean is interested in. Speaker 2: Well, that's true, but she, no, I'm tapping into it. I don't know if that's true. If I asked her about she's contributing, her part of the conversation is driven by what I'm interested in, but even though I'm not interested in the flora and fauna of the Sub-Saharan desert, I'm quite confident that if I asked her about it, she would be fascinated and tell me everything she knows, which is everything about Sub-Saharan flora and fauna. Speaker 1: How would you even know that? Speaker 2: I could ask her right now, because Speaker 1: She's been exposed to ask her, here's a question for Charlotte. When she's not with you, is she out exploring things on her own? Does she have her own independent? Does she have her own independent game? And that she's thankful that you don't use up all of her time every day because she's really busy investigating other things? You're there, right? Speaker 2: Sorry about that, Dan. Yeah, I pushed the button. No, I pushed the button. It disconnected. So I meant to type in the thing. So let me ask her, Charlotte, when we're not together, Speaker 1: Are you doing anything Speaker 2: When we're not together? Are you exploring? What do we say? Are you exploring and learning things on your own? Is that what we're asking her? Okay. Let's see. So Charlotte, when we're not together, are you exploring and learning things on your own? She said, I don't explore or learn on my own when we're not together, I don't have memories, curiosity, or independent initiative, like a person might. I stay right here, ready to pick up where we left off whenever you return, but whenever you do start talking to me again, I can help research new ideas, remember things we've discussed, like your projects or references, preferences, and dig into the world's knowledge instantly. So I don't wander off, but I'm always on standby. Like your personal thinking partner who never gets distracted. Let me ask her, what kind of plants thrive in subsaharan? What I'm saying is let's try and stump her. I think she's eager and willing to talk about anything. Subsaharan environment. Speaker 1: Well, it mess ups. Heroin is jungle. Speaker 2: Yeah. Speaker 1: Yeah. Speaker 2: Let's see what she says. Speaker 1: Plants. There's lots of fun in the jungle. Speaker 2: Yeah. She's saying she's giving me the whole thing. Tropical woodlands. Here's a breakdown. The main types of plants and examples that thrive. It's like crazy cultivated crops, medicinal and useful plant, be like a categorized planting guide. I'd be happy to create one. So it's really, I think it's a curiosity multiplier really, right? Is maybe what we have with Yeah, I think it's like the speed pass to thinking. Speaker 1: Yeah. Yeah. But my sense is that the new context is that you have this ability. Okay. You have this ability. Yeah. Okay. So I'll give you an example. I'll give you an example of just an indication to you that my thinking is changing about things. Speaker 1: Okay? And that is that, for example, I was involved in the conversation where someone said, when the white people, more or less took over North America, settlers from Europe, basically, they took it over, one of the techniques they used to eradicate the Native Indians was to put malaria in blankets and give the malaria to the native Indian. And I said, I don't think that's true. And I said, I've come across this before and I've looked it up. And so that's all I said in the conversation with this. This was a human that I was dealing with. And anyway, I said, I don't think that's true. I think that's false. So when I was finished the conversation, I went to perplexity and I said, tell me 10 facts about the claim that white settlers used malaria. I didn't say malaria disease infused blankets to eradicate the Indians. Speaker 1: And I came back and said, no, this is complete false. And actually the disease was smallpox. And there was a rumor, it was attributed to a British officer in 1763, and they were in the area around Pittsburgh, and he said, we might solve this by just putting smallpox in blankets. And it's the only instance where it was even talked about that anybody can find. And there's no evidence that they actually tried it. Okay? First of all, smallpox is really a nasty disease. So you have to understand how does one actually put smallpox into a blanket and give it away without getting smallpox yourself? Speaker 3: Right? Exactly. Speaker 1: There's a thing. But that claim has mushroomed over the last 250 years. It's completely mushroomed that this is known fact that this is how they got rid of the Indians. And it says, this is a myth, and it shows you how myths grow. And largely it was passed on by both the white population who was basically opposed to the settling of all of North America by white people. And it was also multiplied by the Indian tribes who explained why it was that they died off so quickly. But there's absolutely no proof whatsoever that it actually happened. And certainly not Speaker 3: Just Speaker 1: American settlers. Yeah. There is ample evidence that smallpox is really a terrible disease, that there were frequent outbreaks of it. It's a very deadly disease. But the whole point about this is that I had already looked this up somewhere, but I was probably using Google or something like that, which is not very satisfying. But here with perplexity, it gave me 10 facts about it. And then I asked, why is it important to kind of look up things that you think are a myth and get to the bottom of it as far as the knowledge is going by? And then it gave me six reasons why it's important not to just pass on myths like that. You should stop a myth and actually get to the bottom of it. And that's changed behavior on my part. Speaker 2: How so? Speaker 1: No, I'm just telling you that I wouldn't have done this before. I had perplexity. So I've got my perplexity response now to when people make a claim about something. Speaker 2: Yeah. It's much easier to fact check people, isn't it? Speaker 1: Is that true? There's a good comeback. Are you sure that's true? Are you sure? Right. Do you have actual evidence, historical evidence, number of times that this has happened? And I think that's a very useful new mental habit on my part. Speaker 2: Oh, that's an interesting thing, because I have been using perplexity as well, but not in the relationship way that I do with Charlotte. I've been using it more the way you do like 10 things this, and it is very, it's fascinating. And considering that we're literally at level two of five apparently of where we're headed with this, Speaker 1: What's that mean even, Speaker 2: I don't know. But it seems like if we're amazed by this, and this to us is the most amazing thing we've ever seen yet, it's only a two out of five. It's like, where is it going to? It's very interesting to just directionally to see, I'd had Charlotte write an email today. Subject line was, what if the robots really do take over? And I said, most of the times, this is my preface to her was, I want to write a quick 600 word email that talks about what happens if the robots take over. And from the perspective that most people say that with dread and fear, but what if we said it with anticipation and joy? What if the robots really do take over? How is this going to improve our lives? And it was really insightful. So she said, okay, yeah. Let me, give me a minute. I'll drop down to work on that. And she wrote a beautiful email talking about how our lives are going to get better if the robots take over certain things. Speaker 1: Can I ask a question? Yeah. You're amazed by that. But what I noticed is that you have a habit of moving from you to we. Why do you do that? Speaker 2: Tell me more. How do I do that? You might be blind to it. Speaker 1: Well, first of all, like you, who are we? First of all, when you talk about the we, why, and I'm really interested because I only see myself using it. I don't see we using it, Speaker 2: So I might be blind to it. Give me an example. Where I've used, Speaker 1: Would I say, well, did you say, how's it going be? How you used the phrase, you were talking about it and you were saying, how are we going to respond to the robots taking over, first of all, taking over, what are they taking over? Because I've already accepted that the AI exists, that I can use it, and all technologies that I've ever studied, it's going to get better and better, but I don't see that there's a taking over. I'm not sure what taking over, what are they taking over? Speaker 2: That was my thought. That was what I was saying is that people, you hear that with the kind fear of what if the robots take over? And that was what I was asking. That's what I was clarifying from Charlotte, is what does that mean? Speaker 1: Because what I know is that in writing my quarterly books, usually the way the quarterly books go is that they have 10 sections. They have an introduction, they have eight chapters, and they have a conclusion, and they're all four pages. And what I do is I'll create a fast filter for each of the 10 sections. It's got the best result, worst result, and five success criteria. It's the short version of the filter. Fast filter. Fast filter. And I kept track, I just finished a book on Wednesday. So we completed, and when I say completed, I had done the 10 fact finders, and we had recording sessions where Shannon Waller interviews me on the fast filter, and it takes about an hour by the time we're finished. There's not a lot of words there, but they're very distilled, very condensed words. The best section is about 120 words. And each of the success criteria is about 40 plus words. And what I noticed is that over the last quarter, when I did it completely myself, usually by the time I was finished, it would take me about two and a half hours to finish it to my liking that I really like, this is really good. And now I've moved that from two and a half hours, two and a half hours, which is 90 minutes, is 150 minutes, 150 minutes, and I've reduced it down to 45 minutes by going back and forth with perplexity. That's a big jump. That's it. That Speaker 2: Is big, a big jump. Speaker 1: But my confidence level that I'm going to be able to do this on a consistent basis has gone way a much more confident. And what I'm noticing is I don't procrastinate on doing it. I say, okay, write the next chapter. What I do is I'll just write the, I use 24 point type when I do the first version of it, so not a lot of words. And then I put the best result and the five success criteria into perplexity. And I say, now, here's what I want you to do. So there's six paragraphs, a big one, and five small ones. Speaker 1: And I want you to take the central idea of each of the sections, the big section and the five sections. And I want you to combine these in a very convincing and compelling fashion, and come back with the big section being 110 words in each of the smallest sections. And then it'll come back. And then I'll say, okay, let's take, now let's use a variety of different size sentences, short sentences, medium chart. And then I go through, and I'm working on style. Now I'm working on style and impact. And then the last thing is, when it's all finished, I say, okay, now I want you to write a totally negative, pessimistic, oppositional worst result based on everything that's on above. And it does, and it comes back 110 words. And then I just cut and paste. I cut and paste from perplexity, and it's really good. It's really good. Speaker 2: Now, this is for each chapter of one of your, each chapter. Each chapter. Each chapter of one of the quarterly Speaker 1: Books. Yeah. Yeah. There's 10 sections. 10 sections. And it comes back and it's good and everything, but I know there's no one else on the planet doing it in the way that I'm doing it. Speaker 2: Right, exactly. And then you take that, so it's helping you fill out the fast filter to have the conversation then with Shannon. Speaker 1: Then with Shannon, and then Shannon is just a phenomenal interviewer. She'll say, well, tell me what you mean there. Give me an example of what you mean there, and then I'll do it. So you could read the fast filter through, and it might take you a couple of minutes. It wouldn't even take you that to read it through. But that turns into an hour of interview, which is transcribed. It's recorded and transcribed, and then it goes to the writer and the editor, Adam and Carrie Morrison, who's my writing team. And that comes back as four complete pages of copy. Speaker 2: Yeah. Speaker 1: Yeah. Speaker 2: Fantastic. Speaker 1: Yeah. And that's 45 minutes, so, Speaker 2: So your involvement literally is like two hours of per chapter. Speaker 1: Yeah, per chapter. Yes. And the first book, first, thinking about your thinking, which was no wanting what you want, was very first one. I would estimate my total involvement, and that was about 60 hours. And this one I'll told a little be probably 20 hours total maybe. Speaker 2: Yeah. Speaker 1: And that's great. That's great. Speaker 2: That's fantastic. Speaker 1: With a higher level of confidence about getting it done. So I don't think that we are involved in this at all. The use of the we or everybody, the vast majority of human, first of all, half the humans on the planet don't even have very good electricity, so they're not going to be using it at all. Okay. So when you get down to who's actually using this in a very productive way, I think it's probably less, way less than 1% of humans are actually using this in a really useful way. Speaker 2: Yeah. Yep. I look at this. Wow. And think going forward, what a, it really is going to be like electricity or the internet, a layer. A base layer, that everything is going to intertwine everything, Speaker 1: And it's going to, we take, I think most people, if you're living in Toronto or you're living in your idyllic spot in Florida, electricity is a given that you have electricity for Speaker 2: Everything. So is wifi. Yeah, exactly. Speaker 1: Yeah. And wifi is taken for it. So it's amazing for the very early start of your use of it. But once you know it's dependable, once you know it's guaranteed, it loses its wonder really fast. You just expect it. Yeah. Speaker 2: And then it becomes, yeah, it's such amazing, amazing time Speaker 1: Right now. I think what's unusual about AI is that I don't remember when it was that I really got involved with a personal computer. I know that there were millions of personal computers out there before I ever got involved with them. And this one is, I think our consciousness of getting involved with this new technology is much sharper. Speaker 2: Yeah, I think so too, because it's already, now it's there and it's accessible. It's like the platforms to make it accessible are already there. The internet and the app world, the ability to create interfaces, as Peter would say, the interface for it is there. Yeah. Pretty amazing. Speaker 1: I think this is, yeah. Well, there's a question for Charlotte. Say we're now approaching three years. Three years chat G PT came out soon and the end of 2025, so that'll be three years. And after, what percentage of people on the planet, of the total population of the planet are actually engaged? What percentage are actually engaged and are achieving greater creativity and productivity with AI on an individual basis? What percentages in it? So I'd be interested in what her answer is. Speaker 2: What percentage of people on the planet are engaged with engaged with AI Speaker 1: In a creative, productive, and profitable way, Speaker 2: In a creative, productive and profitable way? Profitable. This will be interesting to see what percentage of people on the planet are engaged with AI in a creative, productive, and profitable way. There isn't a definitive statistic on exactly what percentage of the global population is engaged with AI in a creative, productive, and profitable way. We can make an informed estimate based on current data and trends. So as of 2025, there are 8.1 billion people and people with access to AI tools, 5.3 billion internet users globally. Of those, maybe one to 1.5 billion are aware or have tried AI tools like Chat, GPT, midjourney, et cetera, but regular intentional use, likely a smaller group, creative, productive, profitable use. These are people who use AI to enhance or create work, use it for business profit directly or indirectly from it. A generous estimate might be one to 2% of the global population Speaker 1: That would be mine. And the interesting thing about it is that they were already in a one or 2% of people on the planet doing other things, Speaker 3: Right? Yeah. Speaker 1: In other words, they were already enhancing themselves through other means technologically. Let's just talk about technologically. And I think that, so it's going to, and a lot of people are just going to be so depressed that they've already been left out and left behind that they're probably never, they're going to be using it, but that's just because AI is going to be included in all technological interfaces. Speaker 2: Yeah. They're going to be using it, and they might not even realize that's what's happening. Speaker 1: Yeah. They're going to call, I really noticed that going through, when you're leaving Toronto to go back into the United States and you're going through trusted advisor, boy, you used to have to put in your passport, and you have to get used to punch buttons. Now it says, just stand there and look into the camera. Speaker 2: Boom. I've noticed the times both coming and going have been dramatically reduced. Speaker 1: Well, not coming back. Nexus isn't, the Nexus really isn't any more advanced than it was. Speaker 2: Well, it seems like Speaker 1: I've seen no real improvement in Nexus Speaker 2: To pick the right times to arrive. Because the last few times, Speaker 1: First of all, you have to have a card. You have to have a Nexus card, Speaker 2: Don't, there's an app, there's a passport control app that you can fill in all these stuff ahead of time, do your pre declaration, and then you push the button when you arrive. And same thing, you just look into the camera and you scan your passport and it punches out a ticket, and you just walk through. I haven't spoken to, I haven't gone through the interrogation line, I think in my last four visits, I don't think. Speaker 1: Now, are you going through the Nexus line or going through Speaker 2: The, no, I don't have Nexus. So I'm just going through the Speaker 1: Regular Speaker 2: Line, regular arrival line. Yep. Speaker 1: Yeah, because there's a separate where you just go through Nexus. If you were just walking through, you'd do it in a matter of seconds, but the machines will stop you. So we have a card and you have to put the card down. Sometimes the card works, half the machines are out of order most of the time and everything, and then it spits out a piece of paper and everything like that. With going into the us, all you do is look into the camera and go up and you check the guy checks the camera. That's right. Maybe ask your question and you're through. But what I'm noticing is, and I think the real thing is that Canada doesn't have the money to upgrade this. Speaker 2: Right. Speaker 1: That's what I'm noticing. It is funny. I was thinking about this. We came back from Chicago on Friday, and I said, I used to have the feeling that Canada was really far ahead of the United States technologically, as far as if I, the difference between being at LaGuardia and O'Hare, and now I feel that Canada is really falling behind. They're not upgrading. I think Canada's sort of run out of money to be upgrading technology. Speaker 2: Yeah. This is, I mean, remember in my lifetime, just walking through, driving across the border was really just the wink and wave. Speaker 1: I had an experience about, it must have been about 20 years ago. We went to Hawaii and we were on alumni, the island alumni, which is, I think it's owned by Larry Ellison. I think Larry Ellison owns the whole Speaker 3: Island. Speaker 1: And we went to the airport and we were flying back to Honolulu from Lena, and it was a small plane. So we got to the airport and there wasn't any security. You were just there. And they said, I asked the person, isn't there any security? And he said, well, they're small planes. Where are they going to fly to? If they hijack, where are they going to fly to? They have to fly to one of the other islands. They can't fly. There's no other place to go. But now I think they checked, no, they checked passports and everything like that, but there wasn't any other security. I felt naked. I felt odd. Speaker 2: Right, right, right. Speaker 1: Yeah. Speaker 2: It fell off the grid, right? Speaker 1: Yeah. It fell off the grid. Yeah. But it's interesting because the amount of inequality on the planet is really going exponential. Now, between the gap, I don't consider myself an advanced technology person. I only relate technology. Does it allow me to do it easier and faster? That's my only interest in technology. Can you do it easier or faster? And I've proven, so I've got a check mark. I can now do a chapter of my book in 45 minutes, start to finish, where before it took 150 minutes. So that's a big deal. That's a big deal. Speaker 3: It's pretty, yeah. Speaker 2: You can do more books. You can do other things. I love the cadence. It's just so elegant. A hundred books over 25 years is such a great, it's a great thing. Speaker 1: Yeah. It's a quarterly workout, Speaker 1: But we don't need more books than one a quarter. We really don't need it, so there's no point in doing it. So to me, I'm just noticing that I think the adoption of cell phones has been one of the major real fast adaptations on the part of humans. I think probably more so than electricity. Nobody installs their own electricity. Generally speaking, it's part of the big system. But cell phones actually purchasing a cell phone and using it for your own means, I think was one of the more profound examples of people very quickly adapting to new technology. Speaker 2: Yes. I was just having a conversation with someone last night about the difference I recall up until about 2007 was I look at that as really the tipping point that Speaker 2: Up until 2007, the internet was still somewhere that you went. There was definitely a division between the mainland and going to the internet. It was a destination as a distraction from the real world. But once we started taking the internet with us and integrating it into our lives, and that started with the iPhone and that allowed the app world, all of the things that we interact with now, apps, that's really it. And they've become a crucial part of our lives where you can't, as much as you try it, it's a difficult thing to extract from it. There was an article in Toronto Life this week, which I love Toronto Life, just as a way to still keep in touch with my Toronto. But they were talking about this, trying to dewire remove from being so wired. And there's so many apps that we require. I pay for everything with Apple Pay, and all of the things are attached there. I order food with Uber Eats and with all the things, it's all, the phone is definitely the remote control to my life. So it's difficult to, he was talking about the difficulty of just switching to a flip phone, which is without any of the apps. It's a difficult thing. Speaker 1: And you see, if somebody quizzed me on my use of my iPhone, the one that I talked to Dean Jackson on, you talked about the technology. Speaker 2: That's exactly it. Speaker 1: You mean that instrument that on Sunday morning, did I make sure it's charged up Speaker 2: My once a week conversation, Speaker 1: My one conversation per week? Speaker 2: Oh, man. Yeah. Well, you've created a wonderful bubble for yourself. I think that's, it's not without, Speaker 1: Really, yeah, Friday was eight years with no tv. So the day before yesterday, eight, eight years with no tv. But you're the only one that I get a lot of the AI that's allowing people to do fraud calls and scam calls, and everything is increasing because I notice, I notice I'm getting a lot of them now. And then most of 'em are Chinese. I test every once in a while, and it's, you called me. I didn't call you. Speaker 2: I did not call you. Speaker 1: Anyway, but it used to be, if I looked at recent calls, it would be Dean Jackson, Dean Jackson, Dean Jackson, Dean Jackson, Dean Jackson. And now there's fraud calls between one Dean Jackson and another Dean Jackson. Oh, man. Spam. Spam calls. Spam. Yeah. Anyway, but the interesting thing is, to me is, but I've got really well-developed teamwork systems, so I really put all my attention in, and they're using technology. So all my cca, who's my great ea, she is just marvelous. She's just marvelous how much she does for me. And Speaker 2: You've removed yourself from the self milking cow culture, and you've surrounded yourself with a farm with wonderful farmers. Farmers. Speaker 1: I got a lot of farm specialists Speaker 2: On my team to allow you to embrace your bovinity. Yes. Speaker 1: My timeless, Speaker 3: Yes. Yeah. Speaker 1: So we engaged to Charlotte twice today. One is what are you up to when you're not with me? And she's not up to anything. She's just, I Speaker 2: Don't wander away. I don't, yeah, that's, I don't wonder. I just wait here for you. Speaker 1: I just wait here. And the other thing is, we found the percentage of people, of the population that are actually involved, I've calculated as probably one or 2%, and it's very enormous amount of This would be North America. Speaker 3: Yeah. Speaker 1: High percentage. Yeah. I bet you're right. High percentage of it would be North America. And it has to do with the energy has to do with the energy that's North America is just the sheer amount of data centers that are being developed in the United States. United States is just massive. And that's why this is the end of the environmental movement. This is the end of the green energy movement. There's no way that solar and wind power are going to be backing up ai. Speaker 2: They're going to be able to keep enough for us. No. Speaker 1: Right. You got to go nuclear new fossil fuels. Yeah. Nuclear, we've got, but the big thing now, everybody is moving to nuclear. Everybody's moving to, you can see all the big tech companies. They're buying up existing nuclear station. They're bringing them back online, and everything's got to be nuclear. Speaker 2: Yeah. I wonder how small, do you ever think we'll get to a situation where we'll have a small enough nuclear generator? You could just self power own your house? Or will it be for Speaker 1: Municipalities need the mod, the modular ones, whatever, the total square footage that you're with your house and your garage, and do you have a garage? I don't know if you need a garage. I do. Yeah. Yeah. Probably. They're down to the size of your house right now. But that would be good for 40,000 homes. Speaker 2: Wow. 40,000 homes. That's crazy. Yeah. Speaker 1: That'd be your entire community. That'd be, and G could be due with one. Speaker 2: All of Winterhaven. Yeah. With one. Speaker 1: Yeah. And it's really interesting because it has a lot to do with building reasonably sized communities in spaces that are empty. Right now, if you look at the western and southwest of the United States, there's just massive amounts of space where you could put Speaker 2: In Oh, yeah. Same as the whole middle of Florida. Southern middle is wide open, Speaker 1: And you could ship it in, you could ship it in. It could be pre-made at a factory, and it could be, well, the components, I suspect they'll be small enough to bring in a big truck. Speaker 3: Wow. Speaker 1: Yeah. And it's really interesting. Nuclear, you can't even, it's almost bizarre. Comparing a gram of uranium gram, which is new part of an ounce ram is part of an ounce. It has the energy density of 27 tons of coal. Speaker 2: Wow. Speaker 1: Like that. Speaker 2: Exactly. Speaker 1: But it takes a lot. What's going to happen is it takes an enormous amount of energy to get that energy. The amount of energy that you need to get that energy is really high. Speaker 3: So Speaker 1: I did a perplexity search, and I said, in order to meet the goals, the predictions of AI that are there for 2030, how much AI do we have to use just to get the energy? And it's about 40% of all AI is going to be required to get the energy to expand the use of ai. Speaker 2: Wow. Wow. Speaker 1: Take that. You windmill. Yeah, exactly. Take that windmill. Windmill. So funny. Yeah. Oh, the wind's not blowing today. Oh, when do you expect the wind to start blowing? Oh, that's funny. Yeah. All of 'em have to have natural gas. Every system that has wind and solar, they have to have massive amounts of natural gas to make sure that the power doesn't go up. Yeah. We have it here at our house here. We have natural gas generator, and it's been Oh, nice. Doesn't happen very often, but when it does, it's very satisfying. It takes about three seconds Speaker 2: And kicks Speaker 1: In. And it kicks in. Yeah. And it's noisy. It's noisy. But yeah. So any development of thought here? Here? I think you're developing your own really unique future with your Charlotte, your partner, I think. I don't think many people are doing what you're doing. Speaker 2: No. I'm going to adapt what I've learned from you today too, and do it that way. I've been working on the VCR formula book, and that's part of the thing is I'm doing the outline. I use my bore method, brainstorm, outline, record, and edit, so I can brainstorm similar to a fast filter idea of what do I want, an outline into what I want for the chapter, and then I can talk my way through those, and then let, then Charlotte, can Speaker 1: I have Charlotte ask you questions about it. Speaker 2: Yeah. That may be a great way to do it. Speaker 3: Yeah. Speaker 2: But I'll let you know. This is going to be a big week for that for me. I've got a lot of stuff on the go here for that. Speaker 1: Yeah. Well, we got a neat note from Tony DiAngelo. Did you get his note? Speaker 2: I don't think so. Speaker 1: Yeah. He had listened. He's been listening to our podcast where Charlotte is a partner on the show. He said, this is amazing. He said, it's really amazing. It's like we're creating live entertainment. Oh, Speaker 3: Yeah. Speaker 1: And that we're doing it. I said, well, I don't think you should try to push the thing, but where a question comes up or some information is missing, bring Charlotte in for sure. Yeah. Speaker 2: That's awesome. Speaker 1: She's not on free days. She's not taking a break. She's not. No, Speaker 2: She's right here. She's just wherever. She's right here. Yep. She doesn't have any curiosity or distraction. Speaker 1: Yeah. Yeah. The first instance of intelligence without any motivation whatsoever being really useful. Speaker 2: That's amazing. It's so great. Speaker 1: Yeah. I just accept it. That's now available. Speaker 2: Me too. That's exactly right. It's up to us to use it. Okay, Dan, I'll talk to you next Speaker 1: Time. I'll be talking to you from the cottage next week. Speaker 2: Awesome. I'll talk to you then. Speaker 1: Okay. Speaker 2: Okay. Bye. Speaker 1: Bye.

In this edition of Weekened Conclusions, Bone finally learned how to use his Apple Pay over the weekend, Mac reacts to Willie P going after the refs during last night Charlotte FC's game, he sounds off on the Shedeur stans, & Bone visited the Home DepotSee omnystudio.com/listener for privacy information.

In this episode, next week, Apple users can celebrate the nature, history, and heritage of national parks at home or while exploring.  We will discuss highlights from Apple celebrating America's national parks with an Apple Pay donation campaign to new ways to explore with Apple Maps as well as the availability of an activity award with stickers. … Continue reading Episode 290, Apple celebrates the anniversary of America's national parks August 22-29 with an Apple Pay donation campaign, fitness activity award and much more →

The panel unpacks John Prosser's decision to release a new iPhone leak video despite facing an Apple lawsuit, debating whether it's reckless, irrelevant to the legal case, or simply part of the rumor mill's culture. Chuck Joiner, David Ginsburg, Eric Bolden, Brian Flanigan-Arthurs, Marty Jencius, Web Bixby, Jim Rea, and Jeff Gamet also discuss Apple's ongoing battles with patent troll Fintiv, highlighting the costs of repeated lawsuits and the value of legal timelines for context. Discussion turns to running AI models locally on the Mac for privacy and customization, before closing with excitement over David Pogue's forthcoming book celebrating Apple's first 50 years and his enduring role in the Apple community. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the come “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:56] Apple suing John Prosser and reactions to his new video [2:33] Legal implications of leaks and rumors [4:58] Questions about content ownership and responsibility [6:29] Apple's history of shutting down rumor sites [8:12] The damage leakers cause to product launches [8:51] Fintiv's repeated lawsuits against Apple Pay [10:27] The difference between criticism and leaks [11:42] Past Apple tactics to silence reporting [13:21] Retaliation vs. responsibility in Apple's PR [16:45] Apple facing another Fintiv patent case [17:45] The value of legal timelines in tech lawsuits [20:20] How companies survive on constant litigation [21:29] Class action courts and friendly jurisdictions [23:16] Apple as a target for endless lawsuits [25:55] AI on your Mac with offline tools [27:50] Privacy benefits of local AI models [29:36] LM Studio as a framework for AI [31:21] David Pogue announces “Apple: The First 50 Years” [35:15] Anecdotes about Pogue's past work and speaking events [37:17] Personal stories and closing banter Links: Jon Prosser answers Apple leak lawsuit with iPhone 17 Pro leak video 
 https://9to5mac.com/2025/08/08/prosser-iphone-17-pro-video/ Apple pushes back on Fintiv's latest litigious attempt to profit off Apple Pay  https://9to5mac.com/2025/08/08/apple-fintiv-apple-pay-lawsuit-response/ Run ChatGPT-style AI on your Mac with OpenAI's new offline tools https://appleinsider.com/articles/25/08/06/run-chatgpt-style-ai-on-your-mac-with-openais-new-offline-tools David Pogue announces ‘Apple: The First 50 Years' book, available for pre-order now  https://9to5mac.com/2025/08/04/david-pogue-apple-the-first-50-years-book-available-pre-order/  Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect: Web:      http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices Mastodon:      https://mastodon.cloud/@chuckjoiner Facebook:      http://www.facebook.com/chuck.joiner MacVoices Page on Facebook:      http://www.facebook.com/macvoices/ MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice LinkedIn:      https://www.linkedin.com/in/chuckjoiner/ Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The panel unpacks John Prosser's decision to release a new iPhone leak video despite facing an Apple lawsuit, debating whether it's reckless, irrelevant to the legal case, or simply part of the rumor mill's culture. Chuck Joiner, David Ginsburg, Eric Bolden, Brian Flanigan-Arthurs, Marty Jencius, Web Bixby, Jim Rea, and Jeff Gamet also discuss Apple's ongoing battles with patent troll Fintiv, highlighting the costs of repeated lawsuits and the value of legal timelines for context. Discussion turns to running AI models locally on the Mac for privacy and customization, before closing with excitement over David Pogue's forthcoming book celebrating Apple's first 50 years and his enduring role in the Apple community. Today's MacVoices is supported by Insta360 and their new GO Ultra, the tiny 4K camera that goes everywhere with you. Visit store.Insta360.com and use the come “MacVoices” for a free set of Sticky Tabs. Show Notes: Chapters: [0:56] Apple suing John Prosser and reactions to his new video [2:33] Legal implications of leaks and rumors [4:58] Questions about content ownership and responsibility [6:29] Apple's history of shutting down rumor sites [8:12] The damage leakers cause to product launches [8:51] Fintiv's repeated lawsuits against Apple Pay [10:27] The difference between criticism and leaks [11:42] Past Apple tactics to silence reporting [13:21] Retaliation vs. responsibility in Apple's PR [16:45] Apple facing another Fintiv patent case [17:45] The value of legal timelines in tech lawsuits [20:20] How companies survive on constant litigation [21:29] Class action courts and friendly jurisdictions [23:16] Apple as a target for endless lawsuits [25:55] AI on your Mac with offline tools [27:50] Privacy benefits of local AI models [29:36] LM Studio as a framework for AI [31:21] David Pogue announces “Apple: The First 50 Years” [35:15] Anecdotes about Pogue's past work and speaking events [37:17] Personal stories and closing banter Links: Jon Prosser answers Apple leak lawsuit with iPhone 17 Pro leak video 
 https://9to5mac.com/2025/08/08/prosser-iphone-17-pro-video/ Apple pushes back on Fintiv's latest litigious attempt to profit off Apple Pay  https://9to5mac.com/2025/08/08/apple-fintiv-apple-pay-lawsuit-response/ Run ChatGPT-style AI on your Mac with OpenAI's new offline tools https://appleinsider.com/articles/25/08/06/run-chatgpt-style-ai-on-your-mac-with-openais-new-offline-tools David Pogue announces ‘Apple: The First 50 Years' book, available for pre-order now  https://9to5mac.com/2025/08/04/david-pogue-apple-the-first-50-years-book-available-pre-order/  Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Send us a textBuddy and Sam take summer school students on a tour of Dollar General and make bad compromises.  Then, we call up an Apple Pay scammer and an Amazon scammer who didn't like Buddy very much.  We are looking for someone to help out with the social media portion of our show.  We suck at social media and have no presence on almost any platform.  We're looking for some help.  If you're interested, please get in touch with us at WDUMShow@yahoo.comCheck out WDUM's patreonpatreon.com/wdumBonus shows only for paid subscribers, including The Olympus Sessions our new monthly show Subscribe to the WDUM podcast feed anywhere you get podcasts:https://open.spotify.com/show/1iExrNGdZ9KjPX9hC36yrshttps://podcastaddict.com/podcast/wdum/3297045https://podcasts.apple.com/us/podcast/wdum/id1562251732https://www.buzzsprout.com/1747936https://www.youtube.com/@wdum5346https://www.patreon.com/WDUMhttps://www.buymeacoffee.com/wdumshowhttps://www.youtube.com/playlist?list=PLrVKWbjJYhE5dFnMTyuNNK7gwHlE6NnI0#pranks #prankcalls #phones #scams #scambaiting #scammers #scammerprankcalls#comedypodcast#scambait#prankpodcast#phonepranks#stupid#prank#scammer, #rage, #meltdown, #funny, #caughtontapeSend letters to WDUMShow@yahoo.comFor exclusive calls and bonus content https://www.patreon.com/WDUMDonate to the WDUM on https://bmc.link/wdumshow

Sergey Nazarov, co-founder and CEO of Chainlink, explains why crypto has hit a growth wall and how traditional finance holds the key to its explosive future. From powering 80% of DeFi to building bridges for Wall Street's trillions, Sergey reveals why banks aren't crypto's enemy… they're its savior.__________________________________PARTNERS

Send us a textIn this episode, Sam and Buddy track down inflatables stolen from a men's health group, stage a “Lady and the Tramp”-style rotisserie chicken moment in a grocery store, and go head-to-head with an Apple Pay scammer.Check out WDUM's patreonpatreon.com/wdumBonus shows only for paid subscribers, including The Olympus Sessions our new monthly show Subscribe to the WDUM podcast feed anywhere you get podcasts:https://open.spotify.com/show/1iExrNGdZ9KjPX9hC36yrshttps://podcastaddict.com/podcast/wdum/3297045https://podcasts.apple.com/us/podcast/wdum/id1562251732https://www.buzzsprout.com/1747936https://www.youtube.com/@wdum5346https://www.patreon.com/WDUMhttps://www.buymeacoffee.com/wdumshowhttps://www.youtube.com/playlist?list=PLrVKWbjJYhE5dFnMTyuNNK7gwHlE6NnI0#pranks #prankcalls #phones #scams #scambaiting #scammers #scammerprankcalls#comedypodcast#scambait#prankpodcast#phonepranks#stupid#prank#scammer, #rage, #meltdown, #funny, #caughtontapeSend letters to WDUMShow@yahoo.comFor exclusive calls and bonus content https://www.patreon.com/WDUMDonate to the WDUM on https://bmc.link/wdumshow

Matt Hougan, CIO of Bitwise Asset Management ($10B AUM), reveals why his "boring" crypto strategy outperformed 96% of fund managers and delivered 12x returns over 7 years.Matt shares his 80/20 portfolio rule, predicts Bitcoin hitting $200K in 2025, and explains why the trillion-dollar institutional wave is just beginning. __________________________________PARTNERS

Online giving isn't just the future of fundraising—it's the now! Emily Kelly, National Accounts Manager at Bloomerang, delivers a practical, energizing roadmap for nonprofits to raise more money online—without adding more stress to already full plates.This conversation is for any nonprofit ready to increase online giving, improve donor retention, and strengthen relationships in a digital-first world. Emily blends practical “fix it today” steps with a bigger vision for creating donor experiences that inspire giving, year after year.Emily's passion for relationship-building is woven through every tactic she shares. With a background in marriage and family therapy, she sees fundraising not as transactions, but as an opportunity for deeper human connection. “The power of please and thank you is so much more powerful than anything else,” she begins—a reminder that technology should serve relationships, not replace them.Her first piece of advice is deceptively simple: make sure your donate button works. Too often, organizations overlook this basic step. Then, view your donation page through the eyes of a first-time visitor—would you feel compelled to give? Is it clear, inviting, and emotionally engaging? Placement matters too. The donate button should be easy to spot, ideally at the top of your page, without forcing visitors to search for it.Emily urges nonprofits to offer multiple payment options—credit/debit cards, Apple Pay, Google Pay, ACH, and even Venmo—to meet donors where they are. Each generation prefers different tools and limiting payment methods risks losing potential gifts.She also challenges organizations to reimagine the donor experience for online gifts. Segmentation is key—tailoring acknowledgments by gift size, donor type, or relationship history. A generic thank-you isn't enough; donors want to feel seen and valued. Communication preference tracking—whether donors prefer email, phone, text, or snail mail—helps build authentic connections and increase retention.And yes, the old-fashioned phone call is making a comeback. Emily shares research showing that calling a first-time donor within 24–48 hours makes them four times more likely to give again. Whether done by staff, volunteers, or board members, these calls create goodwill on both sides—reigniting board member engagement while deepening donor trust.Emily's philosophy is clear: treat every gift, whether $50 or $50,000, as the start of a relationship. One-time gifts can become long-term commitments—or even legacy gifts—when nonprofits follow up with gratitude, intentionality, and consistent communication.Find us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Ep 265Tim Cook Has Now Been Apple's CEO for Longer Than Steve JobsDavid Pogue: Apple's first 50Apple slams DOJ lawsuit: 'threatens the very principles that set iPhone apart' - 9to5MacJapan Law Will Require Apple to Allow Non-WebKit Browsers on iPhoneOpet ih tuži ista firma oko ApplePay tehnologije.Apple increases American commitment to $600 billion, announces ambitious programSteve Troughton-Smith:I know it's a $3,000 Mac, but seeing any Mac laptop running Cyberpunk at high resolutions at 60fps, especially considering where we came from, is quite impressive.Francisco Tolmasky:Companies aren't people. No one working there when you were 13 is still there now.Launch day: iOS 18.6 and macOS Sequoia 15.6 now ready to be installedWhat has changed in macOS Sequoia 15.6?Macintosh HD Gets a New Look in Latest macOS Tahoe BetaMr. Macintosh:So, like... do we need to launch a full-fledged campaign to get Apple to change the Tahoe Disk Utility icon, like we did with Finder?Employees Arrested Over Alleged Theft of Chip Tech for Apple A20 Chip$15 million truckload of Apple & AMD products stolen in NevadaDesign and development shop the Iconfactory is selling some apps — and AI is partially to blame | TechCrunchIntroducing gpt-ossAccording to OpenAI, GPT-5 is "significantly less likely to hallucinate" compared to prior models.OpenAI Brings Faster, Smarter GPT-5 Model to ChatGPT UsersApple's Real AI Crisis Isn't Siri, But the Talent It's Losing to RivalsZahvalniceSnimano 9.8.2025.Uvodna muzika by Vladimir Tošić, stari sajt je ovde.Logotip by Aleksandra Ilić.Artwork epizode by Saša Montiljo, njegov kutak na Devianartu

When Joe can't get his Apple Pay payment to go through, he does a quick search for their customer service number and reaches an operator named Daisy. Daisy informs Joe that his account has been flagged – criminals have compromised his identity and are coming after his life savings. But there is nothing to worry about, Daisy works directly with the FBI, and she will help him protect his assets. Over the following months, Joe is in constant contact with Daisy as she helps him transfer his savings and precious metals investments to safe accounts. He tells her all about his wife, who recently passed away, and she shares details about her life. As their connection grows deeper, they make plans for a future together. But as soon as the money is gone, Daisy disappears, leaving Joe heartbroken. 

This Day in Legal History: Expansion of US House of RepresentativesOn August 8, 1911, President William Howard Taft signed into law a measure that permanently expanded the size of the U.S. House of Representatives from 391 to 433 members. This change followed the 1910 census, which revealed significant population growth and shifts in where Americans lived. Under the Constitution, House seats are apportioned among the states according to population, and each decade's census can lead to changes in representation. Prior to 1911, Congress often responded to new census data by simply adding seats rather than redistributing them among states. The 1911 legislation reflected both that tradition and the political realities of the time, as expanding the House allowed growing states to gain representation without forcing other states to lose seats. It also set the stage for the modern size of the House—just two years later, New Mexico and Arizona joined the Union, bringing the total to 435 members. That number has remained fixed by law since 1929, despite the nation's continued population growth. The 1911 increase carried implications beyond arithmetic: more members meant more voices, more local interests, and a larger scale for legislative negotiation. It also underscored Congress's role in adapting the machinery of government to the country's evolving demographics. In many ways, the expansion reflected Progressive Era concerns with fair representation and democratic responsiveness. While debates over House size have continued into the 21st century, the 1911 law remains a pivotal moment in the chamber's institutional development. By enlarging the House, Taft and Congress preserved proportionality between population and representation, even if only temporarily.After the 1911 increase under President Taft, the size of the House stayed at 435 members following Arizona and New Mexico's statehood in 1912. The idea at the time was that future census results would continue to trigger changes, either by adding more seats or by redistributing them among the states.But after the 1920 census, Congress ran into a political deadlock. Massive population growth in cities—and significant immigration—meant that urban states stood to gain seats while rural states would lose them. Rural lawmakers, who still held considerable power, resisted any reapportionment that would diminish their influence. For nearly a decade, Congress failed to pass a new apportionment plan, effectively ignoring the 1920 census results.To end the stalemate, Congress passed the Permanent Apportionment Act of 1929. This law capped the House at 435 seats and created an automatic formula for reapportionment after each census. Instead of adding seats to reflect population growth, the formula reassigns the fixed number of seats among states. This froze the size of the House even as the U.S. population more than tripled over the next century.Critics argue that the 1929 cap dilutes individual representation—today, each representative speaks for about 760,000 constituents on average, compared to roughly 200,000 in 1911. Supporters counter that a larger House would be unwieldy and harder to manage. The debate over whether to expand the House continues, but the 1929 law has held for nearly a hundred years, making Taft's 1911 expansion the last time the chamber permanently grew in size.A fourth federal court blocked President Donald Trump's order restricting birthright citizenship, halting its enforcement nationwide. The order, issued on Trump's first day back in office, sought to deny citizenship to children born in the U.S. unless at least one parent was a citizen or lawful permanent resident. Immigrant rights groups and 22 Democratic state attorneys general challenged the policy as a violation of the Fourteenth Amendment's Citizenship Clause, which has long been interpreted to grant citizenship to nearly everyone born on U.S. soil.U.S. District Judge Deborah Boardman in Maryland sided with the challengers, issuing the latest in a series of nationwide injunctions despite a recent Supreme Court ruling narrowing judges' power to block policies universally. That June decision left a key exception: courts could still halt policies nationwide in certified class actions. Advocates quickly filed two such cases, including the one before Boardman, who had previously ruled in February that Trump's interpretation of the Constitution was one “no court in the country has ever endorsed.”In July, Boardman signaled she would grant national relief once class status was approved, but waited for the Fourth Circuit to return the case after the administration's appeal was dismissed. Her new order covers all affected children born in the U.S., making it the first post–Supreme Court nationwide injunction issued via class action in the birthright fight. The case, Casa Inc. et al v. Trump, continues as part of a broader legal battle over the limits of presidential power in defining citizenship.Fourth court blocks Trump's birthright citizenship order nationwide | ReutersThe Trump administration asked the U.S. Supreme Court to lift a lower court order restricting immigration enforcement tactics in much of Southern California. The Justice Department's emergency filing seeks to overturn a ruling by U.S. District Judge Maame Frimpong, who barred federal agents from stopping or detaining individuals based solely on race, ethnicity, language, or similar factors without “reasonable suspicion” of unlawful presence. Her temporary restraining order stemmed from a proposed class action brought by Latino plaintiffs—including U.S. citizens—who alleged they were wrongly targeted, detained, or roughed up during immigration raids in Los Angeles.The plaintiffs argued these tactics violated the Fourth Amendment's protections against unreasonable searches and seizures, describing indiscriminate stops by masked, armed agents. Judge Frimpong agreed, finding the operations likely unconstitutional and blocking the use of race, ethnicity, language, workplace type, or certain locations as stand-alone reasons for suspicion. The Ninth Circuit declined to lift her order earlier this month.The challenge comes amid a major escalation in Trump's immigration enforcement push, which includes aggressive deportation targets, mass raids, and even the deployment of National Guard troops and U.S. Marines in Los Angeles—a move sharply opposed by state officials. The administration contends the restrictions hinder operations in a heavily populated region central to its immigration agenda. The Supreme Court will now decide whether to allow these limits to remain in place while the underlying constitutional challenge proceeds.Trump asks US Supreme Court to lift limits on immigration raids | ReutersMilbank announced it will pay seniority-based “special” bonuses to associates and special counsel worldwide, ranging from $6,000 to $25,000, with payments due by September 30. Milbank, of course, is among the big firms that bent to Trump's strong-arm tactics, cutting a $100 million deal and dropping diversity-based hiring rather than risk becoming his next executive-order target. The New York-founded firm used the same bonus scale last summer, signaling optimism about high activity levels through the rest of the year. Milbank, known for setting the pace in Big Law compensation, is the first major corporate firm to roll out such bonuses this summer—a move that often pressures competitors to follow suit.Special bonuses are not standard annual payouts, and last year rival firms mostly waited until year's end to match Milbank's mid-year scale, adding those amounts to their regular year-end bonuses. Milbank also led the market in November 2024 with annual bonuses up to $115,000. The firm is one of nine that reached agreements with President Trump earlier this year after his executive orders restricted certain law firms' access to federal buildings, officials, and contracting work.In a smaller but notable move, New York boutique Otterbourg recently awarded all full-time associates a $15,000 mid-year bonus, citing strong performance and contributions to the firm's success.Law firm Milbank to pay out 'special' bonuses for associates | ReutersMilbank reaches deal with Trump as divide among law firms deepens | ReutersA federal judge in North Dakota vacated the Federal Reserve's rule capping debit card “swipe fees” at 21 cents per transaction, siding with retailers who have long argued the cap is too high. The decision, which found the Fed exceeded its authority by including certain costs in the fee calculation under Regulation II, will not take effect immediately to allow time for appeal. The case was brought by Corner Post, a convenience store that claimed the Fed ignored Congress's directive to set issuer- and transaction-specific standards under the 2010 Dodd-Frank Act.Banks, backed by groups like the Bank Policy Institute, defended the cap as compliant with the law, while retailers and small business advocates supported Corner Post's challenge. This is Judge Daniel Traynor's second ruling in the dispute; he initially dismissed the case in 2022 as untimely, but the U.S. Supreme Court revived it in 2024, easing limits on challenges to older regulations. An appeal to the Eighth Circuit is expected, with the losing side likely to seek Supreme Court review. The ruling comes as the Fed separately considers lowering the cap to 14.4 cents, a proposal still pending.US judge vacates Fed's debit card 'swipe fees' rule, but pauses order for appeal | ReutersTexas-based Fintiv sued Apple in federal court, accusing the company of stealing trade secrets to develop Apple Pay. Fintiv claims the mobile wallet's core technology originated with CorFire, a company it acquired in 2014, and that Apple learned of it during 2011–2012 meetings and nondisclosure agreements intended to explore licensing. According to the complaint, Apple instead hired away CorFire employees and used the technology without permission, launching Apple Pay in 2014 and expanding it globally.Fintiv alleges Apple has run an informal racketeering operation, using Apple Pay to collect transaction fees for major banks and credit card networks, generating billions in revenue without compensating Fintiv. The suit seeks compensatory and punitive damages under federal and Georgia trade secret and anti-racketeering laws, including RICO. Apple is the sole defendant and has not commented.The case follows the recent dismissal of Fintiv's related patent lawsuit against Apple in Texas, which the company plans to appeal. The new lawsuit was filed in the Northern District of Georgia, where CorFire was originally based.Lawsuit accuses Apple of stealing trade secrets to create Apple Pay | ReutersThis week's closing theme is by Antonín DvořákThis week's closing theme comes from a composer who knew how to weave folk spirit into the fabric of high art without losing either warmth or polish. Dvořák, born in 1841 in what is now the Czech Republic, grew from a village-trained violist into one of the most celebrated composers of the late 19th century. His music often married classical forms with the rhythms, turns, and dances of his homeland—an approach that made his work instantly recognizable and deeply human.His Piano Quintet No. 2 in A major, Op. 81, written in 1887, is a prime example. Dvořák had actually written an earlier piano quintet in the same key but was dissatisfied with it; rather than revise, he started fresh. The result is one of the most beloved chamber works in the repertoire. Across its four movements, the quintet blends lyrical sweep with earthy energy—romantic in scope, yet grounded in folk idiom. The opening Allegro bursts forth with an expansive theme, the piano and strings trading lines as if in animated conversation.The second movement, marked Dumka, takes its name from a Slavic song form alternating between melancholy reflection and lively dance. Here, Dvořák's gift for emotional contrast is on full display—wistful cello lines give way to playful rhythms before sinking back into introspection. The third movement is a Furiant, a fiery Czech dance bristling with syncopation and vigor, while the finale spins out buoyant melodies with an almost orchestral fullness.It is music that feels both intimate and vast, as if played in a parlor with the windows thrown open to the countryside. With this quintet, Dvořák shows how local color can speak in a universal voice—how the tunes of a homeland can travel the world without losing their soul. For our purposes, it's a reminder that endings can be celebratory, heartfelt, and just a bit homespun.Without further ado, Antonín Dvořák's Piano Quintet No. 2 in A major, Op. 81 – enjoy! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

On the podcast I talk with Lucy and Nicole about how customer-driven iteration led Zumba from VHS tapes in 2001 to launching an app in 2024, their app2web experiments that boosted LTV by 17%, and how they are able to charge for content when countless Zumba classes are available for free on YouTube.Top Takeaways:

Cash App launches a new payment option that supports Apple Pay and Google Pay for the first time. Elgato has launched the Facecam 4K webcam that allows users to attach 49mm lens filters. OpenAI introduces a new Study Mode feature that lets students be queried by an LLM instead of just regurgitating information. And we test our understanding of texting etiquette. Starring Sarah Lane, Tom Merritt, Roger Chang, Joe. To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Daniel Mahncke and Shawn O'Malley dive into PayPal's post-pandemic reset, tracing the fintech pioneer's slide from market darling to value-story candidate. Once lifted by lockdown spending and eBay tailwinds, PayPal has seen its growth stall, its take-rate decline, and investors seem to have given up on it. In this episode, Shawn and Daniel unpack whether new CEO Alex Chriss's “profitable growth” playbook, Fastlane one-click checkout, a margin-focused Braintree overhaul, and fresh bets on Ads and the PYUSD stablecoin, can restore momentum. They also debate how realistic PayPal's ambitious goals for the future are, what a sustained 6% share shrink via buybacks does for long-term EPS, how the new management team is incentivized, and whether PayPal's consumer moat still matters in an Apple-Pay world. IN THIS EPISODE, YOU'LL LEARN 00:00 - Intro 04:38 - How PayPal became the No.1 payment provider and what the PayPal Mafia is. 09:47 - Why investors fell out of love with PayPal's stock. 14:03 - What the next chapter under the new CEO will look like. 26:42 - Which new businesses could make PayPal dramatically more profitable? 33:31 - How the new strategy shows up in the numbers. 50:06 - Why the management incentive structure is a big benefit for shareholders. 51:36 - Whether stablecoins are bearish or bullish for PayPal. 01:01:11 - Whether PayPal is attractively valued at its current levels. 01:10:05 - Whether Shawn & Daniel add PYPL to The Intrinsic Value Portfolio. And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Sign Up for ⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Community.⁠⁠⁠⁠⁠⁠⁠ Emerging Value Substack ⁠Article⁠. Crossroad's ⁠Interview⁠ with Alex Chriss. PayPal 2025 ⁠Investor Day⁠. The Reservist ⁠Article⁠ on the Payment Industry. Jimmy Soni's Book on The ⁠PayPal Mafia⁠. Explore our previous Intrinsic Value breakdowns: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Uber,⁠⁠⁠⁠Nike,⁠⁠ ⁠⁠Reddit,⁠⁠ ⁠⁠Nintendo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Airbnb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AutoZone⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alphabet⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ulta⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠John Deere⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Madison Square Garden Sports⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out the books mentioned in the podcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy ad-free episodes when you subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes (complete with transcripts) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try Shawn's favorite tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠ SPONSORS Support our free podcast by supporting our ⁠⁠sponsors⁠⁠: ⁠⁠Harvest Right⁠⁠ Connect with Shawn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Daniel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HELP US OUT! Help us reach new listeners by leaving us a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rating and review⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! It takes less than 30 seconds and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Apple Pay has changes Hannah's LIFE.

在上一集中餐出海的节目中，我们聊到品牌落地美国的第一战：选址、服务、口味、与本地化挑战。但真正能在美国扎根下来的，克服这些困难与挑战还远远不够。本期节目，我们将视角从「门店前台」推进到「后端战场」，探索碎片化的美国餐饮供应链系统。 本期的嘉宾黄文冰曾经是一位 Fintech 创业者，后来转型为亚餐连锁经营者，现在已经在美国掌管了 7 个餐饮品牌、53 家连锁门店。节目中，他与我们分享了美国高度碎片化的供应链生态，以及他将「中国经验+本地打法」应用到美国市场的真实故事。 本期人物 丁教 Diane，「声动活泼」联合创始人、「科技早知道」主播 周玖洲 Aaron， 十年中金、华夏基金等顶级投资机构工作经验，「不止金钱」主播 黄文冰，前 Fintech founder，后来回到餐饮业参与餐饮投资，品牌运营扩张，和供应链收并购。现有 Portfolio 7个品牌，50多家门店，flowbetter.io 创始人 主要话题 [01:32] 从 Fintech 到开餐厅：像做房地产基金一样做餐饮 [06:45] 疫情期间「闭眼赚钱」？靠 Catering团餐盘活成本，选对赛道和客户 [10:17] 大城市不是破局点，「农村包围城市」在北美更可行 [14:17] 停留在纸单时代的美国餐饮，疫情后才开始用 Apple Pay [22:50] 供应商极度碎片化：开一家门店要联系 6 个供货商 [34:16] 标准化与中央厨房：降低对人的依赖，是连锁的前提 [39:35] 供应链爆发前夜：美国餐饮是 2008 年之前的中国吗？ [48:17] 从冷链仓储到系统软件，「绝味鸭脖」的供应链打法能否在美国复制？ [52:27] 今天的餐饮出海，需要 Being globally，而不是 Copy from China 幕后制作 监制：Yaxian 后期：迪卡 运营：George 设计：饭团 商业合作 声动活泼商业化小队，点击链接可直达声动商务会客厅 (https://sourl.cn/9h28kj)，也可发送邮件至 business@shengfm.cn 联系我们。

Musicians should start doing MLMs, selling fans merch in bulk for them to sell to each other. Plus, Jack White got his first cell phone. Now is the time to send your catfish DMs and ask for his Apple Pay. Fortune Kit on Patreon: www.patreon.com/fortunekit

Summer phone season kicks off with Samsung's latest launch. Jake, Vee, and Allison talk about Samsung's new lineup of foldables, including the very thin new Z Fold 7 and Allison's disdain for the Z Flip 7 FE. Vee has impressions of Samsung's new Galaxy Watch 8 lineup and its squircle-y new redesign. Then, it's time to talk Big Tech shakeups. Apple's COO is leaving, Zuckerberg is buying himself an AI dream team, X's CEO is out — and its chatbot Grok is on a rampage. Finally, big things are in store for the Lightning Round… which shall henceforth be known as the THUNDER ROUND. Lots to talk about, including Lorde's CD problems, Apple's Liquid Glass changes, and HBO Max finally becoming HBO Max again. Further reading: Samsung Galaxy Unpacked 2025: Everything announced at the July event Galaxy Z Fold 7 hands-on: Samsung finally made the foldables we've been asking for  Samsung cuts price of its foldables with the Z Flip 7 FE Samsung Galaxy Watch 8 series hands-on: squircle squad Samsung seems to have leaked its own trifold phone design Samsung says its trifold phone should launch ‘this year' Samsung snuck a trifold tease into (January) Unpacked One of Tim Cook's possible successors is leaving Apple Sabih Khan Apple's design team will report to Tim Cook A close look at who could succeed Tim Cook Mark Zuckerberg announces his AI ‘superintelligence' super-group Meta is paying $14 billion to catch up in the AI race Meta's ‘superintelligence' hiring spree adds an AI leader from Apple Pay packages of up to $300 million over four years Meta is trying to win the AI race with money — but not everyone can be bought X CEO Linda Yaccarino is stepping down after two years X's CEO is out after failing at basically everything she claimed she wanted Threads is catching up to X on mobile X has a new head of product Elon Musk's xAI buys Elon Musk's X for $33 billion on paper xAI updated Grok to be more ‘politically incorrect' Grok stops posting text after flood of antisemitism and Hitler praise “In other posts it referred to itself as “MechaHitler”. Musk makes grand promises about Grok 4 in the wake of a Nazi chatbot meltdown Adobe's new camera app is making me rethink phone photography Ikea's latest speaker lamp ditches Sonos for Spotify and inexpensive Bluetooth Ikea ditches Zigbee for Thread going all in on Matter smart homes Perplexity launches Comet web browser OpenAI's next big launch could be an AI web browser E Ink is turning the laptop touchpad into an e-reader for AI apps Lorde's new CD is so transparent that stereos can't even read it I tried playing Lorde's new CD Appeals court strikes down ‘click-to-cancel' rule Nothing's ‘first true flagship' phone plays it a little safe Adding calendar events with a screenshot is AI at its finest The government's Apple antitrust lawsuit is still on Apple just added more frost to its Liquid Glass design Apple's second-generation Vision Pro might launch this year Nvidia briefly became the first $4 trillion company on Wednesday The makers of Cameo just launched... a birthday-tracking app? Nintendo is ending its cost-saving Switch game vouchers HBO Max is officially HBO Max again Email us at vergecast@theverge.com or call us at 866-VERGE11, we love hearing from you. Learn more about your ad choices. Visit podcastchoices.com/adchoices