Podcasts about Apple Pay

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From Command to Control: Stories of Digital Dilemmas The hosts discuss Apple Mail email signatures and discover that when a website URL lacks a prefix, Apple Mail defaults it to an insecure http link, which can trigger junk filtering; they also note cases where a displayed https link still points to http behind the scenes. They compare Apple Mail to Outlook in business environments, mention limitations around advanced signature management, and comment on Apple's minimal transparency in service-status outage explanations. They cover Apple's iOS 12 update extending certificates for services like iMessage, FaceTime, and device activation through January 2027, and then shift to opinions and speculation about Tim Cook's political pandering possibly being tied to tariffs and CEO succession timing. Returning to tech, they explain Apple Pay's security benefits—device-specific numbers and unique transaction codes—especially after a client's credit card was repeatedly compromised, and discuss adding additional browser protection via Malwarebytes Browser Guard and Chrome/Safari extension deployment through MDM (Addigy), including using ChatGPT to generate a configuration profile. They also describe using ChatGPT to edit MailChimp newsletter HTML quickly, and explore AI-assisted app development ideas such as an iOS app that converts call logs into calendar entries, referencing a Steven Robles video about building an app with AI while noting potential security pitfalls like exposed credentials. Lgistics issue involving gear ordered for testing via an Amazon locker at Staples. When attempting pickup, the host discovers the locker has no keypad and relies on the Amazon app and NFC. Despite signing into the client's Amazon account and enabling required app permissions (Bluetooth and device access), the locker cannot be accessed. Amazon customer service suggests the order data may be incomplete due to a third-party seller and issues immediate refunds or credits.   00:00 Welcome In: Time, the Clock Tower, and "Running Out of Time" 00:46 Client Referral Follow-Up: When People Go Radio Silent 01:39 Apple Mail Link Gotcha: Why Your Clean URL Becomes HTTP 04:13 Hidden Signature Code: Displayed HTTPS, Actual HTTP (and Spam Filters) 05:45 Why Apple Should Default to HTTPS (Google Already Does) 08:34 Signature Tools & Workflows: WiseStamp, Outlook, and What Clients Actually Use 10:37 Apple Still Updating Old iOS: Certificate Expiration and 2027 Cutoff 11:40 Tim Cook, Politics, and the CEO Succession Theory 15:06 Bully-Pulpit News Cycle: Waiting for the Next Outrage 16:08 Epstein Files & Accountability: Why Consequences Aren't Landing in the U.S. 18:16 From Past Scandals to Today: How the Bar Moved (Back to Tech) 19:00 Merch & Sponsorship Shoutouts (The Command Control Power Mug) 19:47 Apple Services Outages & the Vague Status Page Problem 21:14 Why Apple Pay Is Safer After a Card Gets Compromised 23:40 Dashlane vs Malwarebytes Browser Guard: Phishing/Scam Blocking Extensions 28:19 Layered Web Protection: Safari Safe Browsing, DNS Filtering, and Extension Risks 31:36 ChatGPT for Real Work: Fixing a Mailchimp Newsletter with HTML 33:06 AI-Assisted App Idea: Turn Call Logs into Calendar Entries (and Vibe Coding) 37:59 Security Caveats + Wrap-Up Quip About AI Summaries

In this episode, Megan and Erin dive into practical financial literacy topics students need to understand before and during college. Their discussion centers on managing money in an increasingly cashless world, avoiding common student loan mistakes, and building credit responsibly. Using real-life examples from their own families and experiences with students, they highlight how small financial decisions in college can have long-term consequences. Key Tips & Takeaways (with Examples) Know what student loan money can and cannot be used for Student loan funds can often cover living expenses such as rent, groceries, or transportation, and Erin notes that some students even use loan refunds to buy a car. However, these choices increase total debt, and student loans cannot be discharged in bankruptcy, making overspending especially risky. Understand 529 plan restrictions Erin explains that 529 money must be used for qualified education expenses and properly documented. Using a 529 account without matching receipts can cause reimbursement problems and potential tax issues. Be cautious with cashless payment apps Apps like Apple Pay, Venmo, and Cash App make spending feel frictionless, which can lead students to lose track of where their money is going. Erin points out that these platforms may not offer the same protections as credit cards if money is sent to the wrong person or a transaction is disputed. Local banks still serve a purpose Even in a cashless society, having a local bank can help students deposit cash, resolve account issues in person, or access short-term support. Erin mentions tools like Greenlight as a way parents can help students manage spending while learning financial independence. Debit cards vs. credit cards Debit cards pull directly from checking accounts, so overspending can immediately drain funds or trigger overdraft fees. Credit cards, when used carefully, offer more fraud protection and help establish a credit history. Build credit with small, intentional habits Erin recommends using a low-limit credit card for a recurring bill such as a streaming service or phone payment. Paying that balance in full each month builds credit without encouraging unnecessary spending. She shares a personal story about buying a house to illustrate how strong credit history impacts major life purchases. Set realistic expectations for spending money Megan shares that her son spent about $12 per week while on a campus food plan, showing how limited discretionary spending can still work. (This is not typical; her daughter definitely spent more!) They contrast this with examples of students overspending on food delivery services like DoorDash, emphasizing the need for clear budgeting conversations. This episode helps families understand how everyday financial choices—payment apps, loan usage, and credit cards—can shape a student's financial future, and sets the stage for deeper conversations around responsible money management in college. The post 618: Financial Literacy for College Students appeared first on The College Prep Podcast.

This week, hosts ⁠⁠Maria Varmazis⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (also host of the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠T-Minus⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Space Daily show),⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dave Bittner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Joe Carrigan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are discussing the latest in social engineering scams, phishing schemes, and criminal exploits that are making headlines. We have some follow up where Joe shares a scam call he received. Dave's got the story on a sophisticated phishing campaign targeting Apple Pay users through fake emails and voice calls impersonating customer support, as well as Australia's ClickFit initiative warning that romance scammers are exploiting trust online for emotional and financial gain. Joe's story is about a former Ohio bank employee who used his insider access to steal identities and siphon roughly $2 million from elderly customers, ultimately leading to his arrest in Chicago and federal conviction. Maria's story is about a daughter who discovers her 84-year-old mother has been financially exploited by trusted professionals and even family members, underscoring how elder fraud often comes from familiar faces. It highlights the rapid rise in elder financial abuse and the urgent need for families to step in early—before cognitive decline makes the losses irreversible. Our catch of the day come's from the "Australian Government" on a tax document being floated around. Resources and links to stories: Apple Pay Users Targeted by Sophisticated Phishing Scam Leveraging Voice and Email ClickFit: Romance scams Former Bank Employee Found Guilty of Targeting Elderly Victims in Identity Theft and Fraud Scheme Ohio bank's anti-fraud agent stole $2M from elderly customers: DOJ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Have a Catch of the Day you'd like to share? Email it to us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hackinghumans@n2k.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Jeff Yan, founder of Hyperliquid Labs, returns after one of crypto's most extraordinary moments - a $1 billion community airdrop that grew to $10 billion, built by a team of just 11 people who didn't stop to celebrate.THE SHIFT NEWSLETTER

Más de 16 millones de vacunas contra sarampión aplicadas  Apagones masivos previstos en Cuba  Carlos Castellanos estrena horario informativo nocturno  Más información en nuestro podcast

Join us for a much loved and meaningful tradition – Youth Sunday! Our YRUU teens lead the service, sharing their musical gifts and reflections on our theme year "Return Again."

iPhoneやApple Watchで「TOICAエリアの定期券」が利用可能に　Apple Payの「ICOCA」で　ただし時期は明示せず。　東海旅客鉄道（JR東海）と西日本旅客鉄道（JR西日本）は2月12日、JR西日本が提供するApple Payの「ICOCA」をベースとして、iPhoneやApple WatchにおいてTOICAエリアの定期券を利用できるようにすることを発表した。ただし、Androidスマートフォン向けのサービスとは異なり、対応時期は「間もなく」と曖昧な表記となっている。

Avichal Garg is co-founder of Electric Capital, one of crypto's most respected early-stage funds, and an early backer of Solana, Kraken, Figma, and Bitwise.THE SHIFT NEWSLETTER

Donor-advised funds (DAFs) are no longer a niche tool for ultra-wealthy donors—they're a fast-growing, fragmented ecosystem holding more than $326 billion in charitable assets and expanding at ~25–30% annually. In this episode of the Whole Whale Podcast, Mitch Stein, Head of Strategy at Chariot, breaks down what's really happening inside the DAF economy: over 1,400 DAF programs, millions of households using them, payout rates that consistently exceed private foundations, and a surge in contributions driven by appreciated stock and late-year tax planning. The takeaway for nonprofits is clear: DAFs are becoming a mainstream giving vehicle, not an edge case, and ignoring them means ignoring where a growing share of charitable dollars now live. We also dig into the friction problem—and why it matters. DAFs reduce the mental friction of giving by separating “how much to give” from “where to give,” but outdated workflows still create drop-off at the moment of donation. Chariot's role is to remove that last mile of friction through shared infrastructure like DAF Pay, making it as easy to give from a DAF as using Apple Pay. The result: higher conversion, larger gift sizes, and more money actually moving to nonprofits. For fundraisers, the message is practical and urgent—get DAF-ready, normalize DAF giving, and stop treating it like a rare edge case. The money is there. The question is whether your organization is easy to give to. Sector Data & Reports Annual DAF Report 2025 — Donor Advised Fund Research Collaborative (latest US DAF stats including assets, contributions, payouts, and account counts) https://www.dafresearchcollaborative.org/annual-daf-report/2025 DAF & Payout Rate Insights — Chariot Resource on 2025 DAF Report for Fundraisers (breakdown of payout rates vs private foundations, DAF trends) https://www.givechariot.com/resources/insights/7-top-takeaways-from-the-new-2025-daf-report-for-nonprofit-fundraisers Annual Donor Advised Fund Report Overview (NPT/DAF Research Collaborative) https://www.nptrust.org/reports/daf-report/

In her sermon "Love at the Center," Rev. Beth Dana reflects on the meaning of unconditional love through the story of Hosea Ballou, a child who learned that he was loved even when he was muddy, curious, and imperfect. That early lesson shaped his belief that God's love must be wide enough for everyone. Rev. Dana invites us to remember that we are already beloved and we should see others the same way, especially in a world that often teaches shame, fear, and exclusion. Love is at the center of Unitarian Universalist faith and shows up in everyday practices like worship, community care, justice work, and self-compassion. The sermon calls us to keep choosing love, to take risks for it, and to let it guide how we live together.

Apple releases iOS 26.3 RC, Jeff plays with Moltbot on his Mac mini, Fernando gets his iPhone's screen fixed, Jeff laments what it's like to use Apple Pay at drive thrus, why Apple should add native screen sharing from the iPad back to the Mac, and Fernando gets a new MacBook Pro and considers switching to Final Cut Pro. 9to5Mac Overtime is a weekly video-first podcast exploring fun and interesting observations in the Apple ecosystem, featuring 9to5Mac's Fernando Silva & Jeff Benjamin. Subscribe to Overtime via Apple Podcasts and our YouTube channel for more. Hosts Fernando Silva Jeff Benjamin Links Fernando shows what's new in iOS 26.3 RC Jeff explores High Performance Screen sharing in macOS Rumors of a 90Hz Apple Studio Display 2 Jeff reviews the ASUS Pro Art Display 6K Subscribe 9to5Mac Overtime on Apple Podcasts 9to5Mac on YouTube 9to5Mac on YouTube membership with bonus perks

Anthony Pompliano, founder and CEO of Professional Capital Management, reveals how he put 95% of his net worth into Bitcoin and why extreme concentration backed by deep research isn't gambling - it's conviction.THE SHIFT NEWSLETTER

From Historic Roots to Modern Mission The Youth Development Center has found its new home in the heart of Winchester, and Executive Director Sarah Fishel couldn't be more excited about what this means for the community. Speaking with host Janet Michael on The Valley Today, Sarah traced the organization's journey from its 1990 founding to its March 2025 relocation to 302 South Loudoun Street, right off the walking mall. The YDC's story began with a simple yet powerful vision: community leaders and business people wanted to create a space where children could grow, learn, and experience opportunities they wouldn't otherwise have. Tom and Sheila Baker donated their home to launch the initiative, and the organization quickly became a Winchester institution. By January 1996, the YDC was hosting its first high school dance—a tradition many locals still remember fondly. A Building with History, A Vision for the Future The new downtown location brings its own rich history to the table. Previously home to YHB accounting firm, a downtown athletic club, and even a funeral home, the building features remnants of its past, including two racquetball courts that delighted visitors during the recent Preservation of Historic Winchester holiday house tour. Sarah notes that this historical connection helps parents feel more comfortable bringing their children to explore what the YDC offers today. Moreover, the location itself proves ideal for accessibility. Families can walk to the center, catch the bus, or use the spacious parking lot for drop-offs. This strategic positioning in downtown Winchester removes transportation barriers that might otherwise prevent children from participating in programs. Addressing Today's Challenges Sarah identifies a critical shift in the challenges facing today's youth compared to previous generations. While Janet recalls her own childhood spent "riding the strip" with nowhere to go, today's children face a different problem: they're glued to their screens. Furthermore, Sarah points out that many children, particularly "COVID babies," missed crucial developmental windows for learning basic social skills like making eye contact, smiling at strangers, and engaging in face-to-face conversation. The YDC aims to fill this gap by creating an environment where children can practice these essential life skills. Sarah emphasizes that the center wants to be "a place where kids can come in, learn a little bit, but have some fun and just create the relationships that maybe were easier for all of us, pre-COVID or pre-iPhone." Programs That Make a Difference Read Start: Building Confidence Through Literacy The YDC's Read Start program tackles one of Winchester's most pressing educational challenges: children reading significantly below grade level. Led by Shenandoah University student Rowan Lippy, the program goes beyond traditional reading instruction by incorporating movement and energy to keep kids engaged. Sarah emphasizes the connection between reading ability and confidence, noting she can't imagine sitting in a classroom unable to read alongside peers. The program costs $10 per class, though scholarships ensure no child is turned away due to financial constraints.  Saturday Art Classes: Creativity Without Judgment Every Saturday, program coordinator Lindsay Browning leads free art classes that teach children more than just painting techniques. The sessions encourage kids to embrace their feelings, follow directions while making them their own, and most importantly, create without fear of judgment. Janet highlights how art education teaches children not to judge others—a crucial skill in today's divided world. Sarah shares a touching story about a young student who drew her a stick figure tutorial after she joked about her own artistic limitations, demonstrating how the program fosters problem-solving and kindness. Financial Literacy: Real Money in a Digital World Starting March 4th, United Bank will teach "The Money Playbook," a financial literacy course that addresses a skill often overlooked in traditional education. Pete Warren and his team from United Bank, named the YDC as their premier community partner, will incorporate games and interactive elements to make financial concepts accessible to young minds. Both Sarah and Janet acknowledge the challenge of teaching financial responsibility in an era of Apple Pay and Venmo, where money doesn't feel tangible. The course aims to help children understand that digital transactions represent real money leaving their accounts—a lesson that will serve them throughout their lives. Midday at the YDC: Homeschool and Beyond Launched on Tuesdays and Thursdays from 10 AM to 1 PM, this program welcomes homeschool families and anyone else who wants to use the YDC's resources during the day. For just $5 (free the first Tuesday of each month), children can access game rooms, art supplies, reading rooms, and even an eSports room. When Women Lead: Amplifying Voices In March, Sarah will launch a speaker series close to her heart: When Women Lead. Every Wednesday from 6 to 7 PM, panels of accomplished Winchester women will discuss different aspects of female leadership. The series kicks off March 4th with "The Path to the Table," featuring Lauren Clouse, Blair Jewell, Adrienne Patrick, and Karis Frey. Subsequent weeks explore "Leadership in Motion" (March 11th), "Building What Lasts" (March 18th), and "Shaping What's Next" (March 25th). Each panel brings together women from diverse professional backgrounds—teachers, healthcare leaders, city officials, and business executives. While geared toward women, Sarah stresses that men are equally welcome. In fact, she hopes to see mothers bringing their teenage sons, recognizing that change happens when everyone participates in these conversations. The Power of Partnership Throughout the conversation, Sarah repeatedly returns to one theme: Winchester's remarkable spirit of collaboration. United Bank doesn't just donate money—they send staff to teach financial literacy. Shenandoah University doesn't just support from afar—they send students and professors to lead programs. Local businesses and civic groups consistently step forward with resources and expertise. Sarah admits she rarely needs to ask for help because community members proactively reach out, asking how they can contribute. This culture of giving back, which Sarah learned from her mother during 36 years at Valley Health, continues to drive the YDC's success. Looking Ahead As the YDC approaches its one-year anniversary in the new location, Sarah's goals remain ambitious yet grounded. The organization plans to revamp its afterschool program, bring back the mentorship initiative, and reimagine Summerfest and Winterfest to meet kids where they are today—not ten steps ahead or behind. Sarah's philosophy centers on trial and error: "Why not try something? If it doesn't work, then we know. We'll move on to the next thing." This willingness to experiment, combined with deep listening to parents, educators, and community stakeholders, positions the YDC to remain relevant and responsive. A Community Investment Ultimately, Sarah views the YDC as more than a youth center—it's an investment in Winchester's future. "Winchester only stays the great place that we all love if we bolster the younger generation," she explains. By providing spaces where children can discover their passions, build confidence, and develop essential life skills, the YDC ensures that the next generation will continue making Winchester a community worth celebrating. For those interested in learning more or getting involved, visit myydc.org or follow the organization on Facebook and Instagram. Whether you're a parent looking for programs, a professional willing to share expertise, or simply someone who believes in investing in youth, the YDC welcomes you to be part of Winchester's ongoing story.

In this episode of I Can't See You, I break down how the Ray-Ban Meta glasses became a real travel tool—from PHL to Podfest in Orlando. I used "Hey Meta, what's in front of me?" to read signs, confirm gates, navigate MCO, and find my way around the Renaissance at SeaWorld and the conference sessions. Along the way, I share a funny airport moment when people thought I was talking to them, plus the soft pretzel mission that finally paid off (pretzel braid, Apple Pay, done). I also recap Podfest highlights—AI, video workflows, and new strategies like Pinterest—while sharing where the tech nailed it and where it still annoys me. Show notes at https://www.iCantCU.com/295     Links Mentioned Product links are affiliate links so that I may earn a commission. Ray-Ban Meta Glasses, Wayfarer: https://amzn.to/42EU0Sy Like the sunglasses Jane bought for me? https://amzn.to/4oGWLfx From Where to Here Podcast: https://fromwheretoherepod.com/ Federation Focus on the NFB of PA YouTube channel: https://www.youtube.com/@nfbofpa I edit the show with Descript and love it!: https://www.iCantCU.com/descript/ I process all audio using Auphonic: https://auphonic.com?source=dgdesignllc Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  That Real Blind Tech Show ep 195: https://podcasts.apple.com/us/podcast/episode-195-ces-26-hard-tech-and-soft-balls/id1526258077?i=1000744724124 Watch iCantCU episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 148 In episode 148 of White Canes Connect, we share the powerful General Sessions remarks of David DeNotaris from the 2025 National Federation of the Blind of Pennsylvania State Convention in Harrisburg. Speaking from a lifetime of experience, David reflects on growing up with Braille, discovering the Federation, and the profound influence of Dr. Kenneth Jernigan on his understanding of blindness and self-respect. Through humor and deeply personal stories, he explores what it truly means to believe that it is respectable to be blind—and how that belief unlocks confidence in using Braille, mobility tools, technology, and advocacy skills without apology. Apple Podcasts https://podcasts.apple.com/us/podcast/respect-belief-and-action-david-denotaris/id1592248709?i=1000744088201 Spotify https://open.spotify.com/episode/3dHOmknIOgW9R7UEo69EH9 YouTube https://youtu.be/0oawJQcbBkA?si=Y7K-rnaBg6UQx50- White Canes Connect Website https://www.whitecanesconnect.com/148/      My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  GoPro Hero 11 Black: https://amzn.to/3SKI7WX Rode Video Micro (used on GoPro): https://amzn.to/4kVMJWI Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/@iCantCU   Connect on Social Media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

The team discusses a class action lawsuit alleging that Apple Pay has pushed up banking prices for everyone, asks whether Microsoft was right to hand over encryption keys to the authorities, and ponders whether Mozilla's “rebel alliance” of AI upstarts has a chance of defeating the dark side. Our Hot Hardware candidate is the ElevationLab Five-Year Compact Battery for AirTag, an expanded battery case for your Apple AirTags that lasts… wait, I wrote it down here somewhere…

Matt Hougan, CIO at Bitwise, explains why Bitcoin could reach $6.5 million and why Solana has "the best setup I've ever seen" for a 10x to $1 trillion.THE SHIFT NEWSLETTER

Episodio 354.Los Airtags míos que tengo son una especie de dispositivo extraño que hace solo 4 cosas y tiene 8 botones. Uno critica mucho a la prehistoria pero, si los desenchufas desenchufados, hay casi cero riesgo de que me rompan la nariz y son mas aerodinámicos, al menos para bajar escaleras.

In a time of violence and division Rev. Dr. Daniel Kanter's sermon "Giving Heart" reflects on what it means to keep a giving heart when fear and anger feel overwhelming. Rev. Kanter names the grief and exhaustion many are carrying while affirming a Unitarian Universalist faith that sees this world as sacred and deeply interconnected. We are invited to move beyond tolerance toward genuine inclusion rooted in generosity, joy, and human dignity. This sermon calls for a steady practice of hope and care that resists dehumanization and protects our shared humanity even in the hardest moments.

The Discomfort of the Sales Funnel Have I said how funnels feel icky to me? Well, hey there. Welcome back. Do you like funnels? I don’t mean like for refilling your oil or delicious funnel cakes. I mean, well, let’s let’s talk about this. So, as many of you know, there’s a concept called the sales funnel. It’s a process where you get someone into a process and kind of help them along the way to purchase your product. Now, you don’t see this that often with physical products. There’s a whole different way of dealing with that, but you do see it for services, especially certain kinds of services. And sure enough, if it’s a service that kind of gives you pause, it’s probably one that has a funnel associated with it. Funnels don’t feel good, no matter how well they’re built. And if you’re like me, you know right away when you’re in one. Are you in one now? Are you thinking that right now that by listening to my podcast, you’re in my funnel? Because if you’re listening to the podcast, doesn’t it mean that you’re starting to kind of buy into how uh I approach things, which means you might actually buy one of my books and then you might actually hire me to speak or to coach you. So, Mark, isn’t this a funnel? Well, not intentionally. I mean, there’s nothing making you move forward. Nothing in this podcast builds momentum. There is a bumper at the end right when you normally turn it off that says, “Hey, if you like this, you know, you can buy my books or do this or do that or whatever, but it’s not really a funnel. My books tell you a little bit about the other stuff that I do, but mostly they just say, “Hey, here’s the other stuff I do.” And uh if you want to rate this, that’d be great. I don’t go out of my way when it comes to coaching people to shove them into a funnel either to get them to pay, to get them to buy. I want them to make an informed decision. So, does that make me definitely not an expert on funnels? It definitely makes me someone who doesn’t construct them very well because I’m too focused on the product. Funnels vs. Professional Processes Attorneys don’t really need a sales funnel because they have sort of a a process in place. You go talk to the receptionist or their secretary and then make a plan to have a consult and then go from there. There are engagement letters and so forth. The same is true for real estate. If if you’re looking at a home, then typically the site you’ve looked at the home on is already tracking you, your IP address, everything. It’s very detailed and it’s kind of cool and it’ll keep reaching out to you and touching you and saying, “Hey, uh, you know, you looked at this 3 days ago, blah blah blah.” So, that’s a a funnel. A Personal Encounter with a Pushy Funnel Having said all of that, let me tell you about the experience I just had which is prompted me to do this for you. As you know, if you’re an avid listener that some of these recordings are 10 minutes long about things like this that we can learn together with and some of these recordings are about an hour long and there are people that I find super interesting that I hope you find as interesting. Sometimes I have to pursue someone for a while and it’s just because they’re very popular. They’re public figures. They’re busy. they have a certain kind of schedule or, you know, they may need a little bit more vetting of me to finally get back to me. But all in all, it it works pretty well. And again, as I said in the CEO mindset, people of the kind of mindset that I typically ask on the show where people will say, “Okay, let’s do it.” And then 2 days later, we’re doing it. In addition to having people on my show, I typically appear on other podcasts and shows. So, every so often I’m approached and I have a service uh that I use and every so often I get an email that says, “Hey, would you like to be on the show?” and and so on so forth. And different people have different processes. Some people are like me where they are the booker as well as the person conducting the interview. So, other some people have some buffers in between. Well, I recently agreed to one of these fact-finding 15-minute meetings only to find that the meeting was actually 30 minutes and only 15 minutes was spent on me and the rest of the time was trying to shove me into this person’s funnel in which this person sort of sold something that they believed I would benefit from. and it only cost $10,000. Now, for me, they would do $9,000. It was obvious to me from the moment the first question was asked, I knew that question had nothing to do with my appearance on the show and had everything to do with this funnel. Have I said how funnels feel icky to me? because I’m naively under the belief that you can actually have a customer interaction in which you sort of vet them while they’re vetting you and you’re not shoving them into a funnel. Because again, I think a funnel is something different than a process. A process is just saying, “Hey, you know, I kind of I kind of want to talk to you. You seem to be interested.” And you could argue and say, “Well, Mark, that is a funnel.” But a funnel by its physical shape kind of shows you how you get to the point where you’re falling. You’re you’re you’re you’re trapped. You’re you’re being plunged faster and faster until the end of it. The Financial Pressure Cooker And that’s how I felt for a number of minutes. At the very tip of this funnel, where I was swirling at nearly the speed of light, I was then told that I could pay for this using credit cards and that I should put the total on a credit card to give to them. And then I should put that total from that credit card onto another credit card and keep rolling it around. And that way I could, and I quote, avoid the interest. Oh, now correct me if I’m wrong, if you disagree with me, but if you’re telling someone how to pay for something and you’re coming up with very clever ways to do it, you’re not really focusing on the process or the solution. Now, of course, if you have a payment plan in place, if it’s something that you can do via subscription, if you have various products, and everyone does. Everyone from real estate to banking and so forth, typically have some sort of product or financial product. People who sell higher ticket items typically partner with merchant accounts. The very basic level is that you accept credit cards and then it gets better from there. you actually accept bank transfers and you actually accept different kinds of payment methods like Apple Pay and so on and so forth. Even in banking, there are products or different kinds of savings accounts. But if you’re wrangling someone to sort of go into a gray area financially, you know, sometimes very not that often, I I sort of wish I did the video portion of this because you’d see the look on my face. It was just incredible. Integrity Over Tactics So, I think this is a really spicy lesson for for myself and and for other people. If you do have something like a service that is sold using what you call a funnel or your boss calls a funnel or your company calls a funnel, then I think it’s the most mindful thing to do to consider how your customer sees it. Does your customer see the funnel or is it invisible? I’m sure there are people who are sales experts who talk about that all the time where they say if you can’t see the selling then you’re doing it right. I don’t know how to make you a million dollars overnight. I do know how to show you how to have integrity and to have a good product. I can tell you that human beings want to be treated as human beings. And I can tell you that you, someone who’s listening to this podcast, is probably someone who knows all of that right now. It’s probably how you conduct yourselves. You are probably someone who really does operate with integrity that you will probably even pass up what some would consider to be an easy sale because you know in the long run it’s probably not a good fit for your client and might actually cause some hardship. So I want to say if you’re that kind of person and my bet is on the fact that you definitely are that kind of person and kudos to you. Kudos to you for having integrity and trying to just have the best product or service or both and not the best funnel and thanks for allowing me to share that with you. I appreciate you Thought-Provoking Questions About Your Sales Funnel Does your sales process feel like a helping hand or a trap door? Think about the customer journey. Is it a series of informed decisions they make willingly, or does it feel like they are being pushed faster and faster toward a transaction they might not be ready for? Is your funnel “visible” to the customer? Can your potential client feel the mechanics of the sale happening to them? If they can sense that your questions are designed solely to qualify them for a sale rather than to understand their needs, the integrity of the interaction is compromised. Are you prioritizing the product or the payment method? If a significant portion of your sales conversation is spent explaining clever or gray-area financial gymnastics to afford your service, have you lost focus on the value of the solution itself? Would you pass up an easy sale for the sake of integrity? If your funnel works too well and captures people who aren’t actually a good fit, do you have the integrity to let them go, or does the system demand you close the deal regardless of the long-term hardship it might cause the client? Would you think a simple to-do list that allows you to throw things into the future for follow up would help you feel less pressured to keep nagging people? If so, check out checkmark.

The latest In Touch With iOS with Dave is joined by Jill McKinley,Jeff Gamet, Eric Bolden, Marty Jencius, Guy Serle. The discussion spans the latest Vision Pro beta updates and immersive NBA experiences to rumors of new M5 MacBook Pros and significant leadership shifts at Apple. The team also tackles critical security news, including a major data breach at a manufacturing partner and new anti-phishing features from 1Password. The show notes are at InTouchwithiOS.com  Direct Link to Audio  Links to our Show Give us a review on Apple Podcasts! CLICK HERE we would really appreciate it! Click this link Buy me a Coffee to support the show we would really appreciate it. intouchwithios.com/coffee  Another way to support the show is to become a Patreon member patreon.com/intouchwithios Website: In Touch With iOS YouTube Channel In Touch with iOS Magazine on Flipboard Facebook Page BlueSky Mastodon X Instagram Threads Summary In episode 405 of In Touch With iOS, host Dave Ginsburg is joined by a full panel including Marty Jencius, Jill McKinley, Eric Bolden, Guy Serle, and Jeff Gamet to dissect the latest developments in the Apple ecosystem. The episode covers a wide range of topics from hardware shortages and software betas to major security breaches and executive transitions. The panel discusses the recent Vision Pro beta releases, noting that while the updates are relatively minor, they significantly improve connectivity with game controllers. Looking ahead, Apple Arcade is set to launch a "Retrocade" on February 5th, bringing 3D immersive versions of classics like Pac-Man, Space Invaders, and Asteroids to the headset. The team also reviews the recent immersive Lakers NBA game, sharing mixed feelings about the audio quality and app stability, but ultimately expressing excitement for the future of sports in VR. Current MacBook Pro stock is reportedly thinning, with wait times stretching into March. This has fueled speculation about an imminent release of M5 Pro and M5 Max models. The panel debates whether users should upgrade now or wait for the rumored M6, while also considering how NVIDIA's priority at TSMC for AI chips might be impacting Apple's supply chain. The discussion takes a serious turn regarding a massive 1TB data breach at Apple manufacturing partner Luxshare. The stolen data allegedly includes confidential product designs and engineering documents from 2019 through 2025, raising concerns about reverse engineering and hardware vulnerabilities. On the software side, 1Password has introduced a new anti-phishing feature that warns users when they attempt to paste passwords into suspicious websites. The panel also revisits Walmart's continued refusal to accept Apple Pay, noting that the retailer prefers its own "Walmart Pay" system to maintain control over customer purchase data. Apple TV+ continues to gain momentum with six Academy Award nominations for the film F1. The panel also previews upcoming content, including the March 27th premiere of For All Mankind Season 5, and discusses other popular series like Starfleet Academy and Monarch. A significant portion of the episode is dedicated to reports that John Ternus is being groomed as the next Apple CEO. Ternus has recently taken over management of the design teams, a move seen as a way to expose him to broader business operations before Tim Cook eventually retires. While some panelists express anxiety over a post-Cook era, others highlight Apple's history of strong succession planning. Topics and Links   In Touch With Vision Pro this week.  Apple Seeds Second Betas of watchOS 26.3, tvOS 26.3, and visionOS 26.3 to Developers visionOS 26.3 Beta 2 Release Notes   Apple Arcade Adding These Four Games in February for Vision Pro Dave, Marty, and Eric give thoughts viewing the Lakers Immersive game When and how to watch Lakers games in Apple Immersive format on Vision Pro What it's like to watch an NBA game courtside in Apple Vision Pro Beta this week. iOS 26.3 Beta 2 continues.  In Touch With Mac this week MacBook Pro Buyers Now Facing Up to a Two-Month Wait Ahead of New Models The Gmen show Episode 22 Other Topics Major data breach could expose Apple secrets Walmart Still Doesn't Accept Apple Pay in the U.S. in 2026, Here's Why Apple Tops 2025 Smartphone Market With 20% Share, 10% Growth Apple drops to 7th in U.S. patent rankings for 2025 as grants fall 11%, per report Apple tops the 2026 World's Most Admired Companies list—finishing No. 1 for the 19th year in a row News Apple's F1 Movie Nominated for Best Picture at 2026 Oscars Apple scores six Academy Award nominations Apple TV reveals first look at season five of hit space drama "For All Mankind" ChatGPT Atlas Gains Tab Groups, Auto Google/AI Search Switching 1Password Launches Anti-Phishing Warnings for Pasted Passwords Apple's John Ternus Takes Over Design in Latest CEO Succession Move Announcements Macstock 9 has wrapped for 2025. Attendees will receive a link for the session recordings when  they're ready in 30-45 days. If you missed Macstock we missed you! Why not purchase a digital pass to relive all the amazing presentations? Click the link below to purchase the digital pass. Macstock X has already been announced July 10,11,12, 2026 hopeful you all can join us.  Macstock IX Digital Pass Our Host Dave Ginsburg is an IT professional supporting Mac, iOS and Windows users and shares his wealth of knowledge of iPhone, iPad, Apple Watch, Apple TV and related technologies. Visit the YouTube channel https://youtube.com/intouchwithios follow him on Mastodon @daveg65, , BlueSky @daveg65  and the show @intouchwithios   Our Regular Contributors Jeff Gamet is a podcaster, technology blogger, artist, and author. Previously, he was The Mac Observer's managing editor, and Smile's TextExpander Evangelist. You can find him on Mastadon @jgamet Pixelfed @jgamet@pixelfed.social and Bluesky @jgamet.bsky.social‬ Podcasts The Context Machine Podcast  Retro Rewatch Retro Rewatch His YouTube channel https://youtube.com/jgamet Marty Jencius, Ph.D., is a professor of counselor education at Kent State University, where he researches, writes, and trains about using technology in teaching and mental health practice. His podcasts include Vision Pro Files, The Tech Savvy Professor and Circular Firing Squad Podcast. Find him at jencius@mastodon.social  https://thepodtalk.net  Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him by email at eabolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast.   Jill McKinley works in enterprise software, server administration, and IT A lifelong tech enthusiast, she started her career with Windows but is now an avid Apple fan. Beyond technology, she shares her insights on nature, faith, and personal growth through her podcasts—Buzz Blossom & Squeak, Start with Small Steps, and The Bible in Small Steps. Watch her content on YouTube at @startwithsmallsteps and follow her on X @schmern. Find all her work at http://jillfromthenorthwoods.com  Chuck Joiner is the host of MacVoices and hosts video podcasts with influential members of the Apple community. Make sure to visit macvoices.com and subscribe to his podcast. You can follow him on Twitter @chuckjoiner and join his MacVoices Facebook group. Guy Serle is one of the hosts of the new The Gmen Show along with GazMaz and email GMenshow@icloud.com  @MacParrot and @VertShark on X  Vertshark on YouTube, Google Voice +1 Area code  703-828-4677

Kostas Chalkias, co-founded Sui after leaving Facebook's Libra - and named his son Kryptos.While other blockchains compete on speed, Sui built what nobody else prioritized: quantum-safe cryptography, AI-ready infrastructure, and blocks large enough for robots. Governments and developers are quietly choosing Sui over Ethereum and Solana.THE SHIFT NEWSLETTER

Google DeepMind chief executive Demis Hassabis speaks to Moneycontrol exclusively about his thoughts on India's foundational AI models. US President  Trump's Davos address keeps markets in the red, Indian markets show prolonged weakness. In other news we track the India-EU trade deal, Deepinder Goyal's resignation and Apple's next move in India. Also find an exclusive interview with Jahangir Aziz, Head of Emerging Markets at JPMorgan as he weighs in on tariffs and trade policy. Tune in!

In today's Tech3 from Moneycontrol, we track a surprise leadership change at Eternal as Deepinder Goyal steps down and Blinkit CEO Albinder Dhindsa prepares to take charge, even as the company reports strong financials. We also bring you key takeaways from Davos on why India should focus on applied AI, insights from Meta and Google DeepMind on the country's AI future, TCS's ambitious data centre plans targeting hyperscalers, and Apple's steady move towards launching Apple Pay in India.

A Unitarian Universalist Sermon for Martin Luther King Day | Rev. T. J. FitzGerald | 01.18.2026 In his sermon "The Name of Love," Rev. T. J. FitzGerald reflects on on Martin Luther King Jr.'s message for us in troubled times. Drawing from Dr. King's teachings on agape love, nonviolence, and moral courage, this UU sermon explores what it means to live with purpose when fear, injustice, and division feel overwhelming. It looks honestly at the tension between love and resistance and why Dr. King believed real love always carries a cost. King's speech at SMU on March 17, 1966: https://www.smu.edu/aboutsmu/mlk/transcripts

- Apple Pay China Adds Cross-Border Payment Support - JPMorgan Chase Takes $2B Charge Tied to Apple Card Acquisition - Grok Still Producing NCII in Standalone Appin US - New Apple Monitor Turns Up in Regulatory Filings in China - Apple Adjusts Maximum Hardware Trade-In Values - MacPaw Sunsetting EU's Setapp Mobile - Air France Adds Apple TV Titles to In-Flight Offerings - Apple Stores Open/Reopen in Montréal and Houston(ish) - Sponsored by Squarespace: Get 10% off of your first purchase of a website or domain with offer code MACOSKEN at Squarespace.com/MACOSKEN - Sponsored by Copilot Money: Get a two months free trial with Offer Code MACOSKEN at try.copilot.money/macosken - Catch Ken on Mastodon - @macosken@mastodon.social - Send Ken an email: info@macosken.com - Chat with us on Patreon for as little as $1 a month. Support the show at Patreon.com/macosken

Andrej Majcen, CEO of Bitcoin Swiss, built a $6 billion crypto empire from $500 Bitcoin without VC funding.In this conversation, Andrej explains why we have a 5-year window to build generational wealth - and why Bitcoin, not crypto, is the answer.THE SHIFT NEWSLETTER

Alors que près de 70 économistes européens viennent d'alerter les eurodéputés dans une lettre ouverte, l'euro numérique revient au cœur du débat politique. Derrière ce projet porté par la Banque centrale européenne (BCE) se joue une question clé : qui contrôlera la monnaie et les paiements dans le monde numérique de demain ? L'euro numérique, disons-le d'emblée, n'existe pas encore. Il s'agit pour l'instant d'un projet porté par la Banque centrale européenne (BCE), qui pourrait voir le jour à l'horizon 2029. Un projet qui peut sembler abstrait, mais qui est en réalité très concret. Concrètement, l'euro numérique serait une nouvelle forme d'euro émise directement par la BCE, mais sous forme numérique. Autrement dit, il s'agirait de monnaie de banque centrale, comme les billets et les pièces, à la différence près qu'elle ne serait pas matérielle. Elle serait stockée dans un portefeuille numérique, par exemple sur un smartphone. Beaucoup se demandent alors : mais quand on paie aujourd'hui avec une carte bancaire, ce n'est pas déjà de l'argent numérique ? La réponse est oui et non. Les paiements sont bien dématérialisés, mais la monnaie utilisée n'est pas la même. L'argent présent sur un compte bancaire est créé par les banques commerciales, et chaque paiement passe par une chaîne d'intermédiaires privés : banques, réseaux de cartes, prestataires techniques. Avec l'euro numérique, ce schéma changerait. Le paiement se ferait directement en monnaie de banque centrale, sans intermédiaire, comme si l'on tendait un billet mais de manière digitale. Un projet qui ne remplace pas le cash, mais ajoute une option L'euro numérique n'a pas vocation à faire disparaître l'argent liquide. Il serait complémentaire, offrant simplement une option de paiement supplémentaire aux citoyens et aux entreprises. Mais si le projet est aujourd'hui au centre des discussions, c'est avant tout pour une raison de souveraineté. Car, avec les moyens de paiement actuels, l'Europe a pris conscience de sa forte dépendance à des acteurs non européens, le plus souvent américains. Les chiffres parlent d'eux-mêmes : sept paiements par carte sur dix en Europe transitent par Visa ou Mastercard. PayPal, Apple Pay ou Google Pay occupent également une place croissante dans les usages du quotidien. Cette dépendance n'a longtemps pas posé de problème majeur. Mais le contexte géopolitique a profondément changé. Si demain ces technologies américaines devenaient inaccessibles ou restreintes, c'est tout le système de paiement européen qui pourrait être affecté, voire bouleversé. Stablecoins, dollar et souveraineté : un débat très politique À cela s'ajoute un autre phénomène : l'explosion des stablecoins, ces monnaies numériques privées, le plus souvent indexées sur le dollar. Les États-Unis soutiennent clairement leur développement, y voyant un moyen de renforcer la domination du billet vert dans la finance numérique mondiale. La conséquence est simple : si demain vous payez avec un stablecoin en dollars, vous ne payez plus vraiment en euros. Face à cette dynamique, l'Europe cherche à proposer sa propre alternative : l'euro numérique. Mais la question demeure : ce projet peut-il réellement fonctionner ? C'est tout l'enjeu du débat actuel. Dans leur tribune récente, 70 économistes européens plaident pour que l'euro numérique reste une monnaie publique, sans passer par les banques classiques. Une position qui se heurte au scepticisme du secteur bancaire, inquiet notamment d'une possible fuite des dépôts. Le sujet est donc particulièrement sensible. Bruxelles doit trouver un équilibre délicat : proposer une monnaie numérique publique crédible à l'échelle mondiale, capable de rivaliser avec les solutions américaines, sans fragiliser le système bancaire européen. Un défi de taille, alors qu'un possible lancement est donc envisagé dans environ trois ans, en 2029. À lire aussiLa Bulgarie passe à l'euro : entre promesses économiques et craintes de hausse des prix

Comienza el año con uno de los episodios más jugosos del podcast tech favorito: ¡El Garaje de Cupertino regresa con fuerza! Waikay y Joaquín analizan el bombazo tecnológico del momento: la alianza oficial entre Apple y Google. Sí, Apple integrará los modelos Gemini de Google para potenciar Siri y Apple Intelligence. Una jugada millonaria que cambia el tablero de la inteligencia artificial móvil. ¿Está Apple reconociendo que se quedó atrás?Pero no todo es armonía en Cupertino. El equipo comenta la tensión con el gobierno de India, que exige acceso al código fuente de iOS. ¿Se arriesgará Apple a perder mercado o a ceder su joya más preciada?Además, se viene una ola de nuevos dispositivos, pero… ¿hay emoción en el ambiente? Reflexionan sobre el estancamiento del hype por los productos Apple y el auge de sus servicios, que baten récords en Apple TV, Apple Music, Apple Pay y más. También se habla de las baterías de estado sólido y del futuro de los coches eléctricos —incluyendo una mirada curiosa a los coches chinos premium.Y sí, hay risas, reflexión, Stranger Things y alguna pulla a Elon Musk. ¿Qué más se puede pedir?Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/el-garaje-de-cupertino--3153796/support.

Who we are is shaped by each other, even as we long to be our own person. We'll explore the UU value of interdependence and how we balance being ourselves with belonging to each other.

Beyond the Buffet: A Unitarian Universalist Sermon About Pluralism | Return to Who You Are | Rev. Beth Dana In her sermon, "Beyond the Buffet," Rev. Beth Dana explores what it truly means to be Unitarian Universalist in a world of many religions and cultures. Rev. Dana invites us to move past the idea of religion as a pick-and-choose buffet and instead embrace genuine pluralism, deep respect, and real engagement with difference. She also reflects on the other shared Unitarian Universalist values of transformation, justice, equity, interdependence, generosity, and love, and shows how they call us to honor many paths to the sacred without claiming to hold all the answers.

Raags, CEO of Kast, lost a $100M company and spent 8 years paying back debt. Now he's building what he believes will be a trillion-dollar stablecoin bank serving 150+ countries. THE SHIFT NEWSLETTER

Substack has quickly become one of the most talked-about platforms in our community, and for good reason. In this episode, I'm breaking down exactly why I'm going all in on Substack in 2026, how we're monetizing it inside our business, and how it fits into a long-term strategy for freedom, thought leadership, and scalable income, all without ads, sales calls, or constant live content. You'll learn: How we're using archived thought leadership to build a paid ecosystem Why Substack is one of the most powerful tools for authors, deep thinkers, and established leaders The exact tier structure we're using (free, paid, founding member) and why How Substack supports book launches, passive income, and audience ownership in ways other platforms don't If you're a CEO, author, or thought leader looking to get paid for your ideas, build a high-intent audience, and reduce dependency on algorithms, this episode will give you the clarity you need to decide if Substack belongs in your 2026 strategy. And, Ii you missed Part 1, be sure to listen to that episode first: https://podcasts.apple.com/us/podcast/1098-why-im-betting-on-substack-for-the-future/id1052353755?i=1000741820357  TIMESTAMPS:  02:30 – 05:30: What Substack actually is 08:30 – 11:30: How we're using archived content to build a monetized ecosystem without creating new content 14:30 – 17:30: Our tier structure explained: free, paid, and founding members 17:30 – 20:30: Why in-app purchases and Apple Pay are game-changers for conversion and consumer behavior 20:30 – 23:30: Owning your audience: why Substack + books is the future: owning your audience 23:30 – 26:00: How Substack fits into a long-term ecosystem: book sales, email, trust-building offers, and passive income Resources & Links Subscribe to The Sacred Art of Selling on Substack: Free, Paid, and Founding Member tiers available {founding member subscriptions must be done through web browser or mobile browser and are not currently supported on the Substack app}: https://kellyroachofficial.substack.com/  Join The Sacred Art of Selling book waitlist: https://thekellyroach.com/bts Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/  Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/  Connect on LinkedIn: https://www.linkedin.com/in/kellyroachint/     

The Fire This Time | Return to Who You Are | Rev. T. J. FitzGerald We begin the year with our annual burning ritual. In honoring the UU value of transformation, we let go of what no longer serves us—making room for new commitments and deeper truths.

What's really going on with Gen Z?  Gen Z is the most engaged generation right now: Research shows that they are going to church more than anyone else. However, their questions, their expectations and how they explore belief are unlike any other generation, leaving church leaders feeling puzzled.  What's resonating with Gen Z? What's falling flat? How should church leaders respond with wisdom, humility and hope?  In this episode, Amy interviews Chris Allen, Executive Pastor of CenterPoint Church in Orem, Utah, about the misconceptions of reaching Gen Z, how CenterPoint is approaching Gen Z's interest in church and some best practices for connecting with Gen Z.   This episode is sponsored by Donorbox: Still relying on cash and checks for offerings? Half of churchgoers already prefer to give electronically. Donorbox Live Kiosk helps churches like yours boost giving by 35%. Imagine thousands more dollars each month to fortify your ministry. All you need is a tablet, card reader and Donorbox's app. Donorbox lets congregants make tithes, offerings and donations instantly with cards or digital wallets, like Apple Pay and Google Pay. Get two months free at donorbox.org/unstuckpodcast.   Join the Conversation on Social Media We use hashtag #unstuckchurch on X and on Instagram. 

Our culture is experiencing a massive shift fueled by one piece of technology: artificial intelligence. Yep, we're going there. How might AI impact ministry? How are churches adapting to (or resisting) the AI movement? What does AI even have to do with church? In this episode, Amy and Sean are joined by Paul Alexander, Executive Pastor at Sun Valley Community Church in Arizona and a member of the Unstuck team, and Mika Casey, Executive Director of IT at Sun Valley.  They discuss key questions and changes surrounding AI, how to use AI tools in your ministry (and what guardrails to put in place) and what's at stake for the church in the era of AI. This episode is sponsored by Donorbox: Still relying on cash and checks for offerings? Half of churchgoers already prefer to give electronically. Donorbox Live Kiosk helps churches like yours boost giving by 35%. Imagine thousands more dollars each month to fortify your ministry. All you need is a tablet, card reader and Donorbox's app. Donorbox lets congregants make tithes, offerings and donations instantly with cards or digital wallets, like Apple Pay and Google Pay. Get two months free at donorbox.org/unstuckpodcast.   Join the Conversation on Social Media We use hashtag #unstuckchurch on X and on Instagram. 

Hi! It's Quinn. We have huge plans for 2026, and we need your help. So we're running the biggest discount on an Important Membership that we've ever run, and will ever run, probably.Right now it's $30/year. On January 1st, it'll be $50/year, and it's never going back.So right now you can go to ImportantMembership.com and lock in $30/year forever, and we'll all be in a better place. You even get a free 30 day trial. Huzzah.Here's a fun fact: 95% of people who joined are still Members. That's crazy. You will not regret it, and you even get stickers.Members pay -- directly -- for our people, our software, our data, and when we can afford it -- which we really need to be able to afford more often -- marketing and advertising to get our work and the app in front of like 100 times more people. You get bonus episodes from both of our podcasts, everything we make, like Life Finds A Way and The Science of Fiction, and all of it ad-free, and a place to track and share your actions with thousands of other people in What Can I Do? It's so great.So that's it -- the price is going to basically double on January 1st, but you can lock in a Membership right now at $30/year, with a 30 day free trial. Go to ImportantMembership.com right now, we take Apple Pay, it takes 10 seconds. Thank you.

The Day a Cookie Business Changed How My Daughter Saw Money After watching a kid biz launch challenge our eight-year-old decided she wanted to start a cookie business. She figured out recipes, canvased the neighborhood, and delivered her first batch of cookie dough. By the end of the day, she had a stack of cash in her hand and stars in her eyes. https://www.youtube.com/live/yzjkVUl38HM Then we sat down at the table. “Okay,” I said, “you didn't just make $100 you made $100 of income. Now we're going to give, save, and spend.” Suddenly, that pile of money shrank. Ten dollars to giving. Forty to saving. Fifty left to spend. And right there, without a textbook or a classroom, she began to understand what real money management feels like: choices, trade-offs, and the realization that dollars follow value. That's a picture of how to teach kids about money in real life—not as an abstract idea, but as something they can see, touch, and live. Table of ContentsThe Day a Cookie Business Changed How My Daughter Saw MoneyWhy Learning How to Teach Kids About Money Matters More Than EverHow to Teach Your Kids About Money From a Young AgeHow Early Money Experiences Shape Your Child's Financial MindsetTeaching Kids Delayed Gratification With Money: Saving First, Spending LaterTeaching Kids About Saving and Spending: The Pain of a Bad PurchaseHow Chores and Earning Money Teach Kids ResponsibilityHelping Kids Develop a Wealth Mindset, Not a Consumer MindsetTeaching Teens About Debit Cards and Digital MoneyHow to Talk to Adult Children About Money and Financial HabitsTeaching Children Financial Literacy Is Your Job, Not the School'sHow to Teach Kids About Money in a Way That Actually SticksGo Deeper on How to Teach Kids About MoneyBook A Strategy CallFAQ: How to Teach Kids About Money (For Parents, Teens, and Adult Children)What is the best way to teach kids about money from a young age?How can I teach kids to save money and not spend it all?How do chores and earning money teach kids responsibility?How can I help my child develop a wealthy mindset, not a consumer mindset?How should I talk to my teen about debit cards and digital money?How do I talk to adult children about money habits without starting a fight?What is the three jar system for kids? Why Learning How to Teach Kids About Money Matters More Than Ever When parents ask us how to teach kids about money, they're not really asking about dollars and cents. They're asking: How do I raise financially responsible kids? How do I help them avoid the money mistakes I made? How do I give my child a wealthy mindset, not a consumer mindset shaped by social media and advertising? In this article, we are going to walk with you through: How to teach your kids about money from a young age Simple money lessons for kids that start before they earn their first dollar How chores, jobs, and entrepreneurship help kids understand that dollars follow value How to teach kids about saving and spending, delayed gratification, and lifestyle choices How early money experiences shape your child's financial mindset, from little kids to teens to adult children By the end, you'll have practical scripts, examples, and frameworks you can start using today—whether your kids are 6, 16, or already out of the house. How to Teach Your Kids About Money From a Young Age If you ask us, there is no such thing as “too early” when it comes to teaching children financial literacy. From the moment they see you tap a card at the store, they're forming beliefs about money: Is money scarce or abundant? Is it something we talk about, or something we avoid? Does it control us, or do we steward it? We live in a world that constantly pushes kids toward consumption—commercials, YouTube, TikTok, billboards. A child who has never seen a Barbie Dream House commercial would be perfectly happy playing with pots and pans in the kitchen. The ad didn't just sell a toy; it told them what “ happiness” should look like. If we're not intentionally teaching kids good money habits, the culture is. That's why the earlier you start, the more “normal” healthy money habits feel. It's not a lecture—it's just how our family does life. How Early Money Experiences Shape Your Child's Financial Mindset Bruce often shares how his grandparents saved ration tickets from World War II on the windowsill for decades. They washed plastic forks and cups after every big holiday meal. Those early experiences created a deep, almost subconscious scarcity mindset. Later, his parents went through the inflation of the 1970s and the loss of a family business. All of that shaped how he views risk, saving, and spending even today. Your kids are also absorbing your story right now: How you react when an unexpected bill comes in Whether you complain constantly about money Whether you live in chronic anxiety or quiet confidence You don't have to be perfect. But you do need to be honest, consistent, and intentional. That's how parents can model healthy money habits for their children—far more powerfully than any lecture. Teaching Kids Delayed Gratification With Money: Saving First, Spending Later One of the most important money habits for kids that starts before they earn their first dollar is simply this: Save first, then spend what's left. It's the marshmallow test with dollars. Do I eat the one marshmallow now, or wait and get two later? With our kids, we use a simple three jar system for kids: give, save, spend. 10% to giving 40% to saving 50% to spending We started this when they were very young with transparent jars, so they could see money growing in each category. Anytime they earned money—from chores, business, or gifts we chose to include—we walked through the same process: Give first (generosity as a default, not an afterthought) Save second (for long-term wealth building and investing) Spend last (on wants and short-term goals) Over time, this shifted their thinking: “If I want $50 to spend, I have to earn $100.” “My savings isn't just future spending; it's capital for making more money.” That's teaching kids the difference between saving and spending in a way they can feel—not just understand intellectually. Teaching Kids About Saving and Spending: The Pain of a Bad Purchase For one of our daughters, the biggest teacher has been buyer's remorse. She's our spender. She'll get $25 and want to spend it immediately. Then, the next day, she sees something else she wants more, or realizes Christmas is coming and she wants to buy gifts for family—and that same $25 is gone. We don't shield her from that discomfort. We want her to feel: “Every dollar I spend here is a dollar I cannot spend there.” “My choices today affect my options tomorrow.” That's how to help your child avoid lifestyle creep and overspending later in life. It starts with small, low-stakes decisions that train their decision-making muscles long before those decisions involve cars, houses, and credit cards. How Chores and Earning Money Teach Kids Responsibility We don't pay our kids for basic chores. Chores—like cleaning your room, helping with dishes, cleaning up toys—are simply part of contributing to the family. That's how to raise financially responsible kids and emotionally responsible kids. But we do pay for above-and-beyond work that creates extra value: Vacuuming the whole house Cleaning all the bathrooms Larger projects we'd otherwise pay someone else to do That's when we start teaching kids that dollars follow value. Money is the result, not the cause. Bruce grew up mowing lawns, returning baseballs at the ball field, and collecting bottles for deposit money. No one handed him an allowance; he learned that if he wanted something, he had to figure out what value he could create in the world to earn it. That's also how chores and earning money teach kids responsibility: They recognize needs around them They see the connection between effort, value, and income They start to think entrepreneurially You're not just teaching kids about money management. You're teaching them how to think like producers, not just consumers. Helping Kids Develop a Wealth Mindset, Not a Consumer Mindset One of the biggest tensions today is balancing scarcity and abundance. On one side, there's fear-based scarcity: “We can't spend anything.” “We can never enjoy life.” “We must hoard every dollar.” On the other side, there's consumption-based scarcity: “If I don't buy the trip, the car, the concert, I'm missing out.” “I'm not enough unless I have more, do more, go more.” Both are fear-based. A wealth mindset says: I can enjoy life within wise limits. I choose meaningful experiences, not constant upgrades. I build a cash-flowing asset base that funds my lifestyle. This is where using Robert Kiyosaki's Cashflow game to teach kids about money can be powerful. It shows them: Income vs Expenses Assets vs Liabilities The goal of building cash-flowing assets until passive income exceeds expenses In other words, how to give your child a wealthy mindset not a consumer mindset—by showing them a bigger vision for money than just “get paid, then spend it.” Teaching Teens About Debit Cards and Digital Money Today, money is more invisible than ever. Tap your phone. Click a button. Apple Pay, Google Pay, one-click checkout—no pain, no pause, no counting cash. For teens, that can be dangerous. Teaching teens about debit cards and digital money means pulling back the curtain: Show them their bank statement regularly. Connect each purchase to the actual hours of work it took to earn it. Talk about overdrafts, fraud, and security—not to scare them, but to equip them. With our 14-year-old,

In this episode of Tiny Pulpit Talks, Rev. Dr. Daniel Kanter and Rev. T. J. Fitzgerald dive into what it truly means to be an LGBTQ-affirming church and why it matters now more than ever. This conversation explores queer inclusion in faith, Unitarian Universalist values, and the radical idea that church should be a place where everyone can be fully themselves. Rev. Daniel and T. J. reflect on the long history of LGBTQ+ leadership in Unitarian Universalism, the importance of integration over tokenism, and why being "open and affirming" is not revolutionary, but should be the norm. They also address current political and cultural attacks on LGBTQ+ communities, especially trans and nonbinary people, and discuss how faith communities can offer real sanctuary, solidarity, and joy in uncertain times. First Unitarian Church of Dallas is a place you can return to - again and again - for love, connection, justice, and belonging. The support of members and friends of the church is what makes all of this possible. Make your 2026 pledge today - it matters! https://dallasuu.org/2026pledge/

In this deep, insight-packed conversation with Roger Hurni, we explore behavioural marketing, consumer psychology, and how human decision-making really works—through real-world stories from brands like Nike, DoubleTree, Four Seasons, Apple Pay etc.From the legendary DoubleTree cookie strategy to AI-driven personalization, this episode breaks down:Jagged with Jasravee is facilitated by Jasravee Kaur Chandra. Jasravee has over 25 years experience as a Strategic Brand Builder, Communications Leader and Entrepreneur. Please visit Jasravee at https://jasravee.com/Connect with Jasravee on Linkedin at https://www.linkedin.com/in/jasravee/ Email Jasravee at jasravee@gmail.com

Burnout is something we hear about constantly when we're working with churches. This topic is incredibly timely and personal for a lot of pastors. Burnout is not just about being tired or having a busy season—it's much deeper than that. It affects leaders physically, emotionally and spiritually, and it impacts their team and church in ways they might not even realize. In this episode, Sean and Amy are joined by Jimmy McLoud, the Lead Pastor of First Christian Church in Canton, Ohio and a ministry consultant on the Unstuck team, to talk about how burnout affects church staff members.   This episode is sponsored by Donorbox: Still relying on cash and checks for offerings? Half of churchgoers already prefer to give electronically. Donorbox Live Kiosk helps churches like yours boost giving by 35%. Imagine thousands more dollars each month to fortify your ministry. All you need is a tablet, card reader and Donorbox's app. Donorbox lets congregants make tithes, offerings and donations instantly with cards or digital wallets, like Apple Pay and Google Pay. Get two months free at donorbox.org/unstuckpodcast.   Join the Conversation on Social Media We use hashtag #unstuckchurch on X and on Instagram. 

In this Unitarian Universalist Advent sermon, Rev. Beth Dana invites us into the quiet and often uncomfortable space of waiting. As we light candles and prepare for Christmas, we explore how Advent is less about rushing to joy and more about holding hope in the dark. Through story, tradition, and reflection, this message reminds us that waiting can open our hearts to something new. In a world marked by fear, division, and uncertainty, Advent calls us to break open closed doors and welcome light, peace, and love. This sermon connects the Christmas story to our lives today and encourages us to trust that even when we cannot see it yet, hope is already breaking through.

In this episode of FX Files an OffAir Specials brought to you by Paga, we address a significant concern for Nigerians and Africans when traveling abroad, the frustration of having cards from Nigerian banks declined due to network issues or suspected fraud. Our hosts, Gbemi And Toolz discuss the challenges of making payments overseas and introduce Paga's innovative solution. Paga US now allows anyone with a US residential address to open a fully regulated US bank account, offering physical and virtual Visa cards, and seamlessly integrate with services like Apple Pay and Google Pay. The highlight of this special episode is an insightful conversation with the CEO of Paga, Tayo Oviosu who explains how the new service removes the hassle of traditional banking processes, enabling users to manage multiple currencies, send and receive money effortlessly, and maintain a strong financial link back home. Tune in to learn how Paga is transforming banking for the African diaspora, making global financial transactions smoother and more accessible.

December is the busiest season in the church world. Between Christmas services, end-of-year wrap-up and planning for 2026, you probably don't have the time or mental bandwidth to digest a content-heavy podcast series. So this month, we're doing something fun. We're focusing on some "hot topics"—things every church leader is talking about and thinking about right now.  What better way to kick off this series than by talking about Christmas? In this episode, Amy and Sean have a real, honest conversation about what's on pastors' minds as Christmas approaches.   This episode is sponsored by Donorbox: Still relying on cash and checks for offerings? Half of churchgoers already prefer to give electronically. Donorbox Live Kiosk helps churches like yours boost giving by 35%. Imagine thousands more dollars each month to fortify your ministry. All you need is a tablet, card reader and Donorbox's app. Donorbox lets congregants make tithes, offerings and donations instantly with cards or digital wallets, like Apple Pay and Google Pay. Get two months free at donorbox.org/unstuckpodcast.   Join the Conversation on Social Media We use hashtag #unstuckchurch on X and on Instagram. 

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In today’s Phone Tap we might have made the guy we’re calling the MADDEST of any Phone Tap victim in 2025!See omnystudio.com/listener for privacy information.