Podcasts about Bloomberg

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe world is continually paying the [CB]s more and more of their hard earned labor. In Germany the people are taxed 42%, almost half of their income. Fed inflation indicator reports no inflation, Truinflation reports inflation is at 1.2%.BoA and Citibank are in talks to offer 10% credit card. Trump says US will the crypto capital of the world. Globalism/[CB] system has failed, the power will return to the people. The patriots are sending a message, DOJ 2.0 is not like DOJ 1.0, same with the FBI, you commit a crime you will be arrested. The message is clear, the protection from these agencies are gone. Bondi arrest the Church rioters. Trump’s message at DAVOS is clear, the [DS] power and agenda is no more. Trump is now in control and the world will begin to move in a different direction, either you are on board or you will be left behind. The power belongs to the people.   Economy https://twitter.com/WallStreetMav/status/2014289396112011443?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Fed’s Favorite Inflation Indicator Refuses To Show Any Signs Of Runaway ‘Trump Tariff’ Costs The Fed’s favorite inflation indicator – Core PCE – rose 0.2% MoM (as expected), which leave it up 2.8% YoY (as expected), slightly lower than September’s +2.9%…   Bear in mind that this morning’s third look at Q3 GDP printed a +2.9% YoY for Core PCE. Under the hood, the biggest driver of Core PCE remains Services costs – not tariff-driven Goods prices…   In fact, on a MoM basis, Non-durable goods prices saw deflation for the second month in a row…   Source: zerohedge.com https://twitter.com/truflation/status/2014322072286302619?s=20 – Food – mostly Eggs – Household durables – particularly housekeeping supplies – Alcohol & tobacco – mostly alcoholic beverages Our number is derived by aggregating millions of real-time price data points every day to calculate a year-over-year CPI % rate. It is comparable but not identical to the survey-based official headline inflation released monthly by the BLS, which was 2.7% for December. Bank Of America, Citigroup May Launch Credit Cards With 10% Rate Two weeks after Trump shocked the world by demanding lenders cap credit card interest rates at 10% for one year, Bank of America and Citigroup are exploring options to do just that in an attempt to placate the president.  Bloomberg reports that both banks are mulling offering cards with a 10% rate cap as one potential solution.  Earlier this week, Trump said he would ask Congress to implement the proposal, giving the financial firms more clarity about what exact path he's pursuing. Bank executives have repeatedly decried the uniform cap, saying it'll cause lenders to have to pull credit lines for consumers.  Source: zerohedge.com Trump sues JPMorgan Chase and CEO Jamie Dimon for $5B over alleged ‘political’ debanking The lawsuit claims JPMorgan’s decision ‘came about as a result of political and social motivations’ to ‘distance itself’ Trump and his ‘conservative political views’  President Donald Trump is suing JPMorgan Chase and its CEO Jamie Dimon in a $5 billion lawsuit filed Thursday, accusing the financial institution of debanking him for political reasons. The president's attorney, Alejandro Brito, filed the lawsuit Thursday morning in Florida state court in Miami on behalf of the president and several of his hospitality companies.  “ Source: foxnews.com https://twitter.com/RapidResponse47/status/2013984082640658888?s=20  WEF Finance/Banking Panel – If Independent National Economies Continue Rising, Global Trade Drops and We Lose Control Globalism in its economic construct is a series of dependencies. If those dependencies are severed, if each country has the ability to feed, produce and innovate independently, then the entire dependency model around globalism collapses. Within the globalism model that was historically created there was a group of people, western nations, banks, finance and various government leaders, who controlled the organization and rules of the trade dependencies.  The action being taken for self-sufficiency, in combination with the approach promoted by President Trump that each nation state should generate their own needs, then the rules-based order that has existed for global trade will collapse. If nations are no longer dependent, they become sovereign – able to exist without the need for support from other nations and systems. If nations are indeed sovereign, then globalism is no longer needed and a threat of the unknown rises. How will nations engage with each other if there is no governing body of western elites to make the rules for engagement?  The need for control is a reaction to fear, and it is the fear of self-reliance that permeates the elitist class within the control structures.   If each nation of the world is operating according to its individual best interests, the position of Donald Trump, then what happens to the governing elite who set up the system of interdependencies. This is the core of their fear. If each nation can suddenly grow tea, what happens to the East India Tea Company.  Who then sets the price for the tea, and worse still an entire distribution system (ships, ports, exchanges, banks, etc.) becomes functionally obsolescent. Source: theconservativetreehouse.com  Political/Rights TWO-TIERED JUSTICE: Conservative Journalist Kaitlin Bennett Charged and Fined for Interviewing Democrats in Public — While Don Lemon Storms Churches With Zero Consequences The United States now operates under a blatantly two-tiered justice system, where conservative journalists are criminally charged for speech in public spaces, while left-wing media figures face zero consequences for harassing Americans and disrupting religious services. Conservative journalist Kaitlin Bennett revealed this week that she was charged with a federal crime and fined by the National Park Service in St. Augustine for the so-called offense of asking Democrats questions on public property. According to Bennett, federal agents targeted her while she was conducting on-the-street interviews, a form of journalism protected by the First Amendment. Despite being on public land, Bennett says she was cited and punished simply for engaging in political speech that the Left finds inconvenient. Bennett addressed the incident directly in a post on X, writing: https://twitter.com/KaitMarieox/status/2014174254799958148?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2014174254799958148%7Ctwgr%5Ef4a6650cd0c60d38edfea018c5665c2cc2fe5199%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Ftwo-tier-justice-conservative-journalist-kaitlin-bennett-charged%2F When asked by another local journalist exactly what “lawful order” Bennett had disobeyed, the ranger reportedly could not provide a straight answer. WATCH: Source: thegatewaypundit.com https://twitter.com/DHSgov/status/2014322865848406370?s=20   Alexander Conejo Arias, fled on foot—abandoning his child. For the child's safety, one of our ICE officers remained with the child while the other officers apprehended Conejo Arias.   Parents are asked if they want to be removed with their children, or ICE will place the children with a safe person the parent designates. This is consistent with past administration's immigration enforcement. Parents can take control of their departure and receive a free flight and $2,600 with the CBP Home app. By using the CBP Home app illegal aliens reserve the chance to come back the right legal way. https://twitter.com/DHSgov/status/2014049440911303019?s=20   inflicting corporal injury on a spouse or cohabitant. An immigration judge issued him a final order of removal in 2019. In a dangerous attempt to evade arrest, this criminal illegal alien weaponized his vehicle and rammed law enforcement. Fearing for his life and safety, an agent fired defensive shots. The criminal illegal alien was not hit and attempted to flee on foot. He was successfully apprehended by law enforcement. The illegal alien was not injured, but a CBP officer was injured.  These dangerous attempts to evade arrest have surged since sanctuary politicians, including Governor Newsom, have encouraged illegal aliens to evade arrest and provided guides advising illegal aliens how to recognize ICE, block entry, and defy arrest. Our officers are now facing a 3,200% increase in vehicle attacks. This situation is evolving, and more information is forthcoming.   https://twitter.com/nicksortor/status/2014063905413177637?s=20  CNN Panelist Issues Retraction and Apology After Going Too Far in On-Air Trump Attack    footage of CNN's “Newsnight with Abby Phillip” was posted to social media platform X featuring 25-year-old leftist activist Cameron Kasky alongside panel mainstay Scott Jennings. A moment between the two went viral when Kasky casually declared that President Donald Trump had been involved in an international sex trafficking ring. Jennings wasn't going to let that remark go unchallenged by host John Berman. The topic of conversation had been Trump's interest in Greenland and the Nobel Peace Prize, but Kasky threw in a jab at Trump with an allusion to the president's relationship with the late sex offender Jeffrey Epstein — an allusion Kasky's now trying to walk back. “I would love it if he was more transparent about the human sex trafficking network that he was a part of, but you can't win 'em all,” he blurted out. https://twitter.com/overton_news/status/2013455047288377517?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013455047288377517%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F   Berman asked Jennings a follow-up question about Greenland, but instead of addressing that, Jennings circled back to Kasky's remark. “You're gonna let that sit?” Jennings asked Berman. “Are we going to claim here on CNN that the president is part of a global sex trafficking ring or …?” After assuring Jennings that he would do the fact-checking, Berman asked Kasky to repeat what he'd said about the global sex-trafficking ring. “That Donald Trump was … probably … very involved with it,” the arrogant young man replied, with perhaps a touch less confidence. To Berman's credit, and the CNN legal team's, he immediately said, “Donald Trump has never been charged with any crimes in relation to Jeffrey Epstein.” https://twitter.com/camkasky/status/2013760245298864477?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013760245298864477%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2014189561002291385?s=20 DOGE Geopolitical https://twitter.com/brentdsadler/status/2014311942119137584?s=20  important as these agreements cover the entirety of the Chagos group of islands/features. Critical as future third party presence in those areas proximate Diego Garcia could in practical terms render those U.S. military facilities operationally impractical (ie useless). The current deal under consideration in the UK parliament in a rushed vote as soon as 2 February is ill advised. And it likely would break the decades long understanding with the U.S. government. See: Active U.S. treaties: https://state.gov/wp-content/uploads/2025/08/Treaties-in-Force-2025-FINAL.pdf 1966 Foundational Understanding: https://treaties.un.org/doc/Publication/UNTS/Volume%20603/volume-603-I-8737-English.pdf 1972 Understanding regarding new facilities on Diego Garcia: https://treaties.un.org/doc/Publication/UNTS/Volume%20866/volume-866-I-8737-English.pdf 1976 Understanding and concurrence on new communications facilities on Diego Garcia and references as foundational the 1966 Understanding: https://treaties.fcdo.gov.uk/data/Library2/pdf/1976-TS0019.pdf?utm_source https://twitter.com/HansMahncke/status/2014150131247874267?s=20 The EU-Mercosur deal is a major free trade agreement between the European Union and the Mercosur bloc (Argentina, Brazil, Paraguay, and Uruguay). Negotiated for over 25 years, it aims to create one of the world’s largest free trade zones, covering more than 700 million people and reducing tariffs on goods like cars, machinery, pharmaceuticals, and agricultural products.  It includes commitments on sustainability, labor rights, and environmental protections, but critics argue these are insufficient to address issues like Amazon deforestation and unfair competition for European farmers. The agreement was politically finalized in 2019 but faced delays due to environmental concerns and opposition from countries like France and Austria. It was formally signed on January 17, 2026, after EU member states (with a qualified majority, despite opposition from five countries including France) greenlit it on January 9.  The Stupidity of Davos Explained Using an Example of Their Own Creation China is manufacturing a product to create a carbon credit certificate in response to the demand for carbon credits from all the world auto-makers.  Any nation that has a penalty or fine attached to their climate goals is a customer. Those are nations with fines or quotas associated with the production of gasoline powered engines if the auto company doesn't hit the legislated target for sales of electric vehicles. In essence, EU/AU/CA/RU/ASEAN car companies buy Chinese car company carbon credits, to avoid the EU/AU/CA/RU/ASEAN fines.  The Chinese then use the carbon credit revenue to subsidize even lower priced Chinese EVs to the EU/AU/CA/RU/ASEAN car markets, thereby undercutting the EU/AU/CA/RU/ASEAN car companies that also produce EVs. China brilliantly exploits the ridiculous pontificating climate scam and has an interest in perpetuating -even emphasizing- the need for the EU/AU/RU/ASEAN countries to keep pushing their climate agenda.  China even goes so far as to fund alarmism research about climate change because they are making money selling carbon credit certificates on the back end of the scam to the western fear mongers.  This is friggin' brilliant.   The climate change alarmists are helping China's economy by pushing ever escalating fear of climate change.  You just cannot make this stuff up. What does the outcome look like? Well, in this example we see hundreds of thousands of unsold BYDs piling up in countries that emphasize climate regulations with no restrictions on the import of EVs (which most don't even manufacture), which is almost every country.  Big Panda doesn't care about the car itself; they care about generating the carbon credit certificate to sell in the various carbon exchanges. Put this context to the recent announcement by Canadian Prime Minister Mark Carney about his new trade deal with China to accept 49,000 EVs this year. Prime Minister Carney bragged about getting the Chinese to agree to only super low prices for the Canadian market.  Mark Carney was very proud of his accomplishment to get much lower priced vehicles for Canadian EV purchasers.   No doubt Big Panda left the room laughing as soon as Carney made his grand announcement. 1. China sells EV's in Canada, creating credits available on the carbon exchange scheme. Europe et al will purchase the carbon credits because Bussels has fines against EU car companies. 2. With a foothold already established in Europe, China will then take the money generated by the carbon credit purchases and lower the prices of the Chinese EV cars sold in Canada. It's gets funnier. 3. Carney bragged about forcing China to only sell low price EV's as part of the trade agreement. The low price of the EV's in Canada will be subsidized by Europe. China doesn't pay or lose a dime. But wait…. 4. Carney can't do anything about the scheme he has just enmeshed Canada into, because Canada has a Carbon Credit exchange in law.

There are signs of a possible deal on Greenland, after a dizzying 24 hours at the World Economic Forum in Davos, Switzerland. The Wall Street Journal details how it happened, and Fox News gets reaction from NATO’s secretary general. Record-breaking cold and messy winter weather is expected to hit a large swath of the country in the coming days. Bloomberg’s Lauren Rosenthal joins to discuss what’s in store and how to prepare. After protests that killed more than 3,000 people, some Iranians say they are open to the U.S. removing Supreme Leader Ali Khamenei. The Atlantic’s Arash Azizi shares what Iranians told him about what they want from Trump and the U.S. Plus, ICE is training officers to enter homes without judicial warrants, a former police officer charged over his response to the Uvalde shooting was found not guilty, and Sundance is kicking off its final festival to be held in Utah. Today’s episode was hosted by Shumita Basu.

Benjamin and Chance get excited for the upcoming Siri roadmap, with Bloomberg reporting that the delayed features will arrive with 26.4 and a full chatbot experience is due before the end of the year. The Information says Apple is developing an AI pin, the iPhone 18 Pro cutout positioning situation is seemingly clarified, and Apple makes App Store ads even less noticeable.  And in Happy Hour Plus, Chance talks about the best parts of his new Oura Ring, and how Apple can learn from its software experience. Join now and save 26% on annual plans with code HAPPY26. Sponsored by Shopify: In 2026, stop waiting and start selling with Shopify. Sign up for a $1 per month trial at shopify.com/happyhour. Sponsored by Gusto: The online payroll and benefits software built for small businesses. Get three months free when you run your first payroll at gusto.com/happyhour. Sponsored by Framer: The only free design tool that brings your ideas to the web. Visit framer.com/design and use code HAPPYHOUR for a free month. Hosts Chance Miller @ChanceHMiller on Twitter @ChanceHMiller on Instagram @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo@mastodon.social @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com Links Apple testing new App Store design that blurs the line between ads and search results iPhone 18 Pro Dynamic Island confusion now appears resolved Apple reportedly replacing Siri interface with actual chatbot experience for iOS 27 The new Siri chatbot may run on Google servers, not Apple's Apple is working on an AI-powered wearable pin

Today's blockchain and crypto news Bitcoin is up slightly at $88,599   Ethereum is up slightly at $2,936 And Binance Coin is up slightly at $876   Bloomberg says Trump family fortune increased by $1.4B thanks to crypto Winklevoss Twins donate ZEC to support Zcash Hong Kong plans first batch of stablecoins Learn more about your ad choices. Visit megaphone.fm/adchoices

Doug discusses the significant impact of personal branding and storytelling for business leaders, the need for authenticity and vulnerability in storytelling, and shares strategies for bulk book sales and corporate sponsorship. Doug Crowe is a personal brand specialist and an accomplished writer having contributed articles to Entrepreneur, Thrive Global, Bloomberg, Chicago Tribune, MSN Money, Yahoo Finance, the Seattle Times and has authored several #1 best selling books. His company, Author Your Brand, has ghostwritten and published books for over 15 years. His clients read like a "who's who" in business leadership.

Listen to the rest of this premium episode by subscribing at patreon.com/knowyourenemy.Matt and Sam discuss the January 7 killing of Renee Good in Minneapolis by an ICE agent, the promising signs that it is proving deeply unpopular, and the less hopeful indications coming from Trump, Vance, Stephen Miller, and others in the administration and the Republican Party about what it portends.Sources:Nancy Cook, "Inside the White House, Stephen Miller is Making His Vision of America Real," Bloomberg, Jan 9, 2026Peter Hamby, "Support for ICE is Collapsing," Puck, Jan 13, 2026Greg Sargent & Aaron Reichlin-Melnick, "Transcript: Trump Press Sec Snaps at Media as Polls on ICE Turns Dire," New Republic, Jan 16, 2026Marilynne Robinson, Mother Country: Britain, the Welfare State, and Nuclear Pollution (1989)

In this episode of Talk Nerdy, Cara is joined by Bloomberg investigative journalist, and author, Ellen Huet. They discuss her 2025 book about OneTaste, Empire of Orgasm: Sex, Power, and the Downfall of a Wellness Cult. Follow Ellen: @ellenhuet

Can AI make you sound more human? Can you use technology to connect authentically—without turning into a robot? In this episode, I share lessons from Allison Shapira's new book and our conversation about striking the right balance between efficiency and genuine connection. Are you using AI to amplify your authentic voice, or are you leaving the human touch behind? What are the boundaries we need to draw so our communications—whether wedding vows or emails—stay personal and impactful in the age of AI?Listen to this new episode for practical ways to make AI work for you without losing authenticity, and hints on how small businesses can use tech to build stronger, more empathetic client relationships.Allison Shapira is an executive advisor, Harvard lecturer, keynote speaker, and bestselling author who helps senior leaders communicate with confidence, clarity, and authenticity in high-stakes moments. Since 2003, she has advised leaders from prime ministers to Fortune 50 executives, designing communication programs that build trust and drive results. An adjunct lecturer at the Harvard Kennedy School, her work has been featured in The Wall Street Journal, Bloomberg, The New York Times, and Harvard Business Review. She is the author of Speak with Impact and AI for the Authentic Leader.Contact Allison Shapira, Keynote SpeakerWebsite: www.allisonshapira.com LinkedIn: https://www.linkedin.com/in/allisonshapira/YouTube: https://www.youtube.com/user/AllisonShapiraInstagram: @AllisonShapiraX: @AllisonShapiraIf you have any questions about anything in this, or any of my podcasts, or have a suggestion for a topic or guest, please reach out directly to me at Alan@WeddingBusinessSolutions.com or visit my website Podcast.AlanBerg.com Please be sure to subscribe to this podcast and leave a review (thanks, it really does make a difference). If you want to get notifications of new episodes and upcoming workshops and webinars, you can sign up at Have you ever wondered... "What would Alan say or do about this?" - well, now you can ask my AI Alter-Ego "Ask Alan Anything" the things you'd ask the real Alan, any time of the day or night. And as a listener of this podcast, you'll save 50%, so starting at only $10 per month you can "Ask Alan Anything"!Go to www.WhatWouldAlanSay.com and use the 50% off coupon code - podcast - to start asking Alan anything today. I'm Alan Berg. Thanks for listening. If you have any questions about this or if you'd like to suggest other topics for "The Wedding Business Solutions Podcast" please let me know. My email is Alan@WeddingBusinessSolutions.com. Look forward to seeing you on the next episode. Thanks. Listen to this and all episodes on Apple Podcast, YouTube or your favorite app/site: Apple Podcast: http://bit.ly/weddingbusinesssolutions YouTube: www.WeddingBusinessSolutionsPodcast.tv Spotify: https://spoti.fi/3sGsuB8 Stitcher: http://bit.ly/wbsstitcher Google Podcast: http://bit.ly/wbsgoogle iHeart Radio: https://ihr.fm/31C9Mic Pandora: http://bit.ly/wbspandora ©2025 Wedding Business Solutions LLC & AlanBerg.com

Greenland, Iran and Mexico – OH MY Earnings season – yes it is here ! Markets re on fire – all systems go – Get your gold and silver too! And out guest – Benjamin Kahle – Managing Partner of Wellings Capital.  NEW! DOWNLOAD THIS EPISODE’S AI GENERATED SHOW NOTES (Guest Segment) Benjamin Kahle is the Managing Partner of Wellings Capital. He is responsible for the overall management of the firm and its investment offerings, including eight funds and multiple sidecar entities. In this role, Benjamin helps shape the company's investment strategy and guides asset management initiatives. Since joining Wellings Capital as an intern in 2015, Benjamin has played an instrumental role in the firm's growth, driving it from $0 to over $215 million in investor equity under management and over $450 million of assets under management. His leadership has helped establish Wellings Capital as a trusted name in the commercial real estate private equity space. Benjamin's real estate career began early—he became a licensed realtor during his junior year of college. He earned his Bachelor's degree in Business Administration from Liberty University and lives in Central Virginia with his wife and son. Learn More at http://www.ibkr.com/funds Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy – https://thedisciplinedinvestor.com/blog/tdi-strategy/ Stocks mentioned in this episode: (SPY), (TSLA), (GOOG), (BIDU)

An AI-driven construction boom is coming, some hope. But to build all that infrastructure, the U.S. is going to need a lot more construction workers, plumbers, HVAC technicians, and other skilled workers. And President Trump's immigration policies actively work against that goal. Also in this episode: Trump withdraws the U.S. from a key global climate change agreement, Americans shell out for at-home coffee setups, and Kai discusses the week's economic headlines with Greg Ip at the Wall Street Journal and Amara Omeokwe at Bloomberg.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

An AI-driven construction boom is coming, some hope. But to build all that infrastructure, the U.S. is going to need a lot more construction workers, plumbers, HVAC technicians, and other skilled workers. And President Trump's immigration policies actively work against that goal. Also in this episode: Trump withdraws the U.S. from a key global climate change agreement, Americans shell out for at-home coffee setups, and Kai discusses the week's economic headlines with Greg Ip at the Wall Street Journal and Amara Omeokwe at Bloomberg.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Joe Weisenthal is the executive editor of news at Bloomberg and host of the podcast Odd Lots. We chat with him from his studio in New York about Emma Stone's face, the Bloomberg terminal, why he doesn't trade himself, valuation culture, our shortage of normal people, what neighborhoods he gets stockognized in the most, newspaper is just a bunch of newsletters if you think about it, his brush with country music success, and we speculate the future of CBS News' "Whiskey Fridays." instagram.com/thestalwart twitter.com/donetodeath twitter.com/themjeans howlonggone.com Learn more about your ad choices. Visit megaphone.fm/adchoices

It's YOUR time to #EdUp with Shouvik Paul, COO, CopyleaksIn this episode, part of our Academic Integrity Series, sponsored by ⁠Integrity4EducationYOUR cohost is Thomas Fetsch, CEO, Integrity4EducationYOUR host is ⁠Elvin Freytes⁠How is CopyLeaks (named #153 on Inc. 5000 in 2025) bringing enterprise grade AI technology used by Bloomberg, Forbes, BBC & 450 plus companies to over 500 educational institutions & why are 10 to 15 universities switching to them monthly?How does Copyleaks' AI technology achieve 99.8% accuracy by analyzing word clusters like "attuned to these fluctuations" (used 102,000 times by AI vs 14 times by humans in 1 million papers) & patterns of usage rather than just flagging individual submissions?How does the AI source match database work to show professors side by side comparisons of student work against already published AI generated content & why does Shouvik say you need the human in the loop to make final academic integrity decisions?Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠& ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠⁠● Join YOUR EdUp community at ⁠The EdUp Experience⁠We make education YOUR business!P.S. Want to get early, ad-free access & exclusive leadership content to help support the show? Become an #EdUp Premium Member today!

Amy King hosts your Friday Wake Up Call. The show opens with futurist Kevin Cirilli talking about what we can expect from the year ahead. The host of ‘Home’ on KFI Dean Sharp joins the show and talks about the four types of American houses. We ‘Get in Your Business’ with Bloomberg’s Denise Pelegrini who speaks on what the markets are looking like as the week comes to a close. The show closes with ABC News entertainment correspondent Will Ganss discussing ‘The Traitors,’ ‘Song Sung Blue,’ and ‘Hamnet.’See omnystudio.com/listener for privacy information.

Representative Katherine Clark (D-Mass.) talks with Bloomberg's Joe Mathieu about the current state of ICE deployment in Minnesota and what some House Democrats are doing to try and stop it.See omnystudio.com/listener for privacy information.

Bloomberg's Matt Miller caught up with Oracle Red Bull Racing driver and four-time World Champion Max Verstappen in Detroit. From chasing new career goals to navigating last season’s toughest challenges, Max opens up about what drives him and what it takes to stay on top of Formula One.See omnystudio.com/listener for privacy information.

Daron Acemoglu, Institute Professor in the Department of Economics at the Massachusetts Institute of Technology, talks with Bloomberg's Carol Massar and Tim Steneovec about his Bloomberg Businessweek article detailing his “Unified Theory of Trump”.See omnystudio.com/listener for privacy information.

Tech companies no longer need creative workarounds, like acquihires, to get M&A deals through, says Federal Trade Commission Chair Andrew Ferguson. Ferguson says the commission will review these deals to make sure they comply with the law. He joins Bloomberg's Ed Ludlow. See omnystudio.com/listener for privacy information.

On this week’s market round-up edition of Merryn Talks Money, Bloomberg senior reporter and author of the award-winning Money Distilled newsletter, John Stepek and Bloomberg Opinion columnist Marcus Ashworth discuss why falling London flat prices but rising costs mean bargains may still be illusory. They also dissect the latest moves in commodities and UK Chancellor Rachel Reeves's cunning plan to quietly reshape the gilt market.See omnystudio.com/listener for privacy information.

Time now for our daily Tech and Business Report. Today, we're joined by Bloomberg's Hannah Elliott. Here in the Bay Area we're used to seeing Waymo self-driving cars, but personal vehicles still require a driver. Well that could be about to change with Nvidia working with several car-makers on self-driving technology.

Day 1,421.Today, as President Zelensky declares a national emergency over the energy crisis triggered by Russian attacks on Ukraine's infrastructure, we ask what Europe's strategy is now, before examining reports Russia has forced African recruits into suicide missions on the battlefield. Then we assess how events in Iran and Venezuela could reshape global energy prices, and whether those shocks will ultimately help or hinder Vladimir Putin.ContributorsFrancis Dearnley (Executive Editor for Audio). @FrancisDearnley on X.Dominic Nicholls (Associate Editor of Defence). @DomNicholls on X.Ben Farmer (Africa correspondent). @benfarmer on X.Stephanie Baker(Senior writer at Bloomberg and sanctions expert). @StephaniBaker on X.SIGN UP TO THE ‘UKRAINE: THE LATEST' WEEKLY NEWSLETTER:http://telegraph.co.uk/ukrainenewsletter Each week, Dom Nicholls and Francis Dearnley answer your questions, provide recommended reading, and give exclusive analysis and behind-the-scenes insights – plus maps of the frontlines and diagrams of weapons to complement our daily reporting. It's free for everyone, including non-subscribers.CONTENT REFERENCED:Russia forces African recruits to become suicide bombers (The Telegraph):https://www.telegraph.co.uk/world-news/2026/01/12/russia-using-africans-cannon-fodder-ukraine/ EU chief diplomat Kallas: World's woes mean it's time to start drinking (POLITICO):https://www.politico.eu/article/eu-chief-diplomat-kaja-kallas-state-world-means-time-start-drinking/ EU reveals details on 90 billion 'Ukraine Support Loan' (Kyiv Independent):https://kyivindependent.com/eu-reveals-details-on-90-billion-ukraine-support-loan/?mc_cid=28574c74cc&mc_eid=08d0680a95 Stephanie Baker's Book: ‘Punishing Putin: The gripping expose of the global economic sanctions against Russia's war in Ukraine' – https://www.amazon.co.uk/Punishing-Putin-gripping-economic-sanctions-ebook/dp/B0CWWFJ52GLISTEN TO THIS PODCAST IN NEW LANGUAGES:The Telegraph has launched translated versions of Ukraine: The Latest in Ukrainian and Russian, making its reporting accessible to audiences on both sides of the battle lines and across the wider region, including Central Asia and the Caucasus. Just search Україна: Останні Новини (Ukr) and Украина: Последние Новости (Ru) on your on your preferred podcast app to find them. Listen here: https://linktr.ee/ukrainethelatestSubscribe: telegraph.co.uk/ukrainethelatestEmail: ukrainepod@telegraph.co.uk Hosted on Acast. See acast.com/privacy for more information.

Robert Khachatryan is the founder and CEO of Freight Right Global Logistics, a Los Angeles–based international freight forwarder. A lifelong entrepreneur, Robert began his business journey at age nine selling newspapers on the streets of Yerevan. A member of the Board of Advisors at USC's Randall R. Kendrick Global Supply Chain Institute, Robert founded Freight Right in 2007 during the global financial crisis with a vision to modernize freight forwarding through technology and execution excellence. Today, Freight Right is recognized as a leading innovator in logistics and a trusted launch partner for emerging supply chain technologies. Robert's insights have been featured in Bloomberg, Forbes, the Journal of Commerce, FreightWaves, and the Los Angeles Times, and he has spoken at leading industry events including TPM, FreightTech, and the USC Supply Chain Summit. In This Conversation We Discuss: [00:00] Intro[01:08] Taking the leap during economic uncertainty[03:45] Eliminating shipping delays that kill buyer intent[09:04] Building Ecommerce solution around freight hurdles[11:05] Callouts[11:16] Bridging commercial freight and ecommerce needs[13:29] Identifying hidden customer pain points early[15:45] Building an MVP from customer feedback[18:00] Rethinking traditional processes to reduce cost[20:41] Unlocking new markets with minimal effortResources:Subscribe to Honest Ecommerce on YoutubeInternational Freight Forwarder freightright.com/Follow Robert Khachatryan linkedin.com/in/khachatryanrobertIf you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

Change how you look at unsold inventory in this episode with Amrita Bhasin of Sotira, joining the show to break down how poor inventory forecasting is crushing CPG brands, why nearly a quarter of all retail and e-commerce inventory never sells, and how excess inventory liquidation has become one of the biggest supply chain challenges today! We dive deeper into how Sotira is using AI to power a tech-driven reverse logistics marketplace that connects sellers, buyers, and donation partners while protecting brand equity, enforcing expiration and regional compliance laws, and improving recovery rates, how integrated freight optimization APIs help control transportation costs, why mismanaged forecasting leads to millions in deadstock, and how smarter liquidation strategies can reduce waste, unlock tax benefits, and keep inventory moving.   About Amrita Bhasin Amrita Bhasin is the co-founder and CEO of Sotira, an award winning reverse logistics company that enables retailers, manufacturers and brands to discreetly monetize and donate unsold inventory.  Amrita was named to the 2026 Forbes 30 under 30 list and the 2025 Mayfield AI List. Amrita has been invited to speak on national and international broadcast networks including CBS, Fox, ABC, Scripps, and CGTN and has been profiled in Forbes, TechCrunch, and Business Insider. She is regularly quoted as an expert by leading publications such as Reuters, Bloomberg, Wired, Fortune, CNBC, Glossy, Huffington Post, Sourcing Journal, Reader's Digest, Modern Retail, AP, Yahoo Finance, and FreightWaves. Amrita has spoken about reverse logistics at leading conferences and trade shows such as TechCrunch Disrupt 2024, Home Delivery World 2025, HumanX 2025, ReTHINK Retail 2025 and Groceryshop 2025. Amrita was a delegate speaker at the 2025 One Young World Summit in Munich, Germany. She is an upcoming speaker at Manifest 2026 and Food Waste Summit 2026.  Amrita was a 1st place winner at Shoptalk 2025 and 1st place winner at Reverse Logistics Conference and Expo 2025. Amrita has been recognized by the State of California and Stop Waste for contributions to reducing enterprise waste via reverse logistics automation.   Connect with Amrita LinkedIn: https://www.linkedin.com/in/amrita-bhasin/  Website: https://www.sotira.co/  Email: amrita@sotira.co  

Amy King hosts your Thursday Wake Up Call. ABC News correspondent Jordana Miller joins the show live from Jerusalem to discuss President Trump having on good authority executions have stopped in Iran. ABC News White House correspondent Karen Travers talks about the latest regarding Greenland meetings. We ‘Get in Your Business’ with Bloomberg’s Denise Pelegrini discussing how the markets are looking today. The show closes with Amy talking LA Olympics 2028.See omnystudio.com/listener for privacy information.

New York Times Financial Journalist and Author Andrew Ross Sorkin talks with Bloomberg's Carol Massar and Tim Stenovec about his newest book published in October 2025 titled "1929" about the stock market crash of the titular year. See omnystudio.com/listener for privacy information.

Congresswoman Nicole Malliotakis (R-NY) sits down with Bloomberg's Joe Mathieu to talk President Trump's plan to cap credit card interest rates, plus affordability issues and more.See omnystudio.com/listener for privacy information.

The Justice Department subpoenas of the Federal Reserve are a mistake, distracting the Trump administration from its mission, House Republican French Hill speaks with Bloomberg's Jonathan Ferro and Lisa Abramowicz.See omnystudio.com/listener for privacy information.

Welcome to this episode of The SaaS CFO Podcast! Today, Ben Murray sits down with Michael Babineau, co-founder of Turnstile, to unpack the journey from software engineer to successful second-time founder. Michael Babineau shares how his engineering background and the exit of his first company, Second Measure, to Bloomberg helped shape the vision for Turnstile—a next-gen, AI-native quote-to-cash platform designed to handle the complex challenges of sales-led, recurring revenue businesses. In this candid conversation, Michael Babineau dives into lessons learned from scaling and selling a company, the difficulties of automating revenue processes for custom deals, and why building a truly integrated, flexible system is crucial for SaaS companies looking to grow. You'll also hear insights into Turnstile's go-to-market strategy, their unique pricing approach, and what it's really like to raise capital as a second-time founder. Whether you're a SaaS operator, CFO, or founder plotting your next move, this episode is packed with operational tips, market observations, and behind-the-scenes stories that you won't want to miss! Show Notes: 00:00 "Founders Ready to Start Again" 03:05 "Turnstile: Unified Revenue Management Platform" 07:12 Turnstile: CRM-ERP Integration Simplified 11:38 "Finding True Revenue Ground Truth" 13:15 "Venture Growth Through Mid-Market" 17:29 "Scalable Growth for Enterprise Success" 22:09 "M&A Process: All-Consuming Commitment" 24:08 Flexible Dealmaking for Company Growth 27:47 "Shifting to Marketing-Led Growth" 31:35 "Self-Serve Enterprise Software Simplified" 33:00 "Driving Growth for B2B Startups" 36:34 "Turnstile AI Discussion" Links: Michael Babineau's LinkedIn: https://www.linkedin.com/in/mbabineau/ Turnstile's LinkedIn: https://www.linkedin.com/company/turnstile-co/ Turnstile's Website: https://turnstile.ai/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

Greenland, Mexico, Venezuela, Colombia – USA is the world’s Cop again? More .. Housing, Credit cards, Fannie and Freddie – all in week’s work.. Retail investors in control – don’t care about the noise. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter   Warm-Up - Greenland, Mexico, Venezuela, Colombia - USA is the world's Cop again? - More .. Housing, Credit cards, Fannie and Freddie - all in week's work.. - Retail investors in control - don't care about the noise Markets - DJIA plowing ahead - NASDAQ on fire - what can stop this? - Nuclear stocks back in play - Defense names on the move - Interesting economic news. FIRST - President Donald Trump said drug “cartels are running Mexico,” and suggested the U.S. military could start land strikes against them there. - The comments come on the heels of suggestions that Trump could take military action in Cuba and Colombia, and to annex Greenland. - The Trump administration has reportedly carried out 35 known strikes on alleged drug boats in the Caribbean, killing 115 individuals. - I will be going to Mexico later this week for a couple of days..... Retail Ruling - Retail traders have extended a buying spree into the new year, following a record-setting performance in 2025, with purchases in the first four trading days of January hitting the second-highest level in almost eight months. - Individual investors have bought about $10.1 billion of US equities since the start of the year, mainly via exchange-traded funds, far exceeding the 12-month weekly average. - Retail investors' confidence has helped stabilize markets during recent pullbacks, and if they keep snapping up equities, gains in the US stock market are likely to persist, according to analysts. Employment Report - 4.4% Unemployment Rate - Nonfarm Payroll Employment: U.S. employers added +50,000 jobs in December 2025. This came in below economists' expectations (consensus around 60,000–73,000) and was a slowdown from the downwardly revised +56,000 in November. - Unemployment Rate: Edged down slightly to 4.4% (from a revised 4.5% in November), contrary to forecasts of 4.5%. The number of unemployed people remained around 7.5 million, showing little change. - Full-Year 2025 Performance: Total payroll growth for the year was just +584,000 jobs (average monthly gain of +49,000), marking one of the weakest years for hiring since 2020 (impacted by the pandemic). This is a sharp drop from +2.0 million added in 2024 (average +168,000 monthly). -Revisions to Prior Months: -- October 2025: Revised down to -173,000 (from -105,000, reflecting federal government buyouts and shutdown effects). -- November 2025: Revised down by 8,000 to +56,000. -- Combined October–November: 76,000 fewer jobs than previously reported. GDP - HOT - Minneapolis Fed President Neel Kashkari (voting FOMC member) on CNBC says it is very surprising how strong GDP growth is; says labor market is clearly cooling; says inflation still too high; has confidence housing inflation will trend down - Q3 at +3.8% and Atlanta GDP NOW is predicting that Q4 will come in at +5.1% More Eco - Productivity (Prelim Q3): 4.9% vs. 2.5% consensus - Productivity measures output per hour worked. A jump to 4.9% (almost double the consensus) suggests businesses are producing much more per labor hour than expected. Prior was revised up to 4.1% from 3.3%, so the trend is strengthening. WOW! Unit Labor Costs (Prelim Q3): -1.9% vs. +0.8% consensus - Unit labor costs measure labor cost per unit of output. A negative number means costs per unit are falling. Prior revised to -2.9% from +1.0%, so costs have been dropping sharply. -Could be due to technology adoption, automation, or efficiency improvements. Post-pandemic restructuring and leaner operations may have boosted output without adding labor. OOOOOOOPS - White House official says Truth Social disclosure of December jobs report was an "inadvertent release"; says White House will review protocols - CNBC  What next? - President Donald Trump called for a one-year cap on credit card interest rates at 10%, effective Jan. 20, without specifying details. - Trump wrote on social media that the American Public will no longer be "ripped off" by Credit Card Companies that are charging Interest Rates of 20 to 30%, and even more. - Maybe because of this: Hours before his message on Friday, Senator Bernie Sanders, a Vermont independent, said on X: “Trump promised to cap credit card interest rates at 10% and stop Wall Street from getting away with murder. Instead, he deregulated big banks charging up to 30% interest on credit cards.” - BUT! Credit card companies will not be forced to issue credit - right? It will hurt people that need credit for business, personal or other needs. Then there was this: - Mortgage rates fell sharply on Friday, a day after President Donald Trump said on social media that he is instructing mortgage giants Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds. - “This will drive Mortgage Rates DOWN, monthly payments DOWN, and make the cost of owning a home more affordable,” he said in the Truth Social post. - Still not clear where the money will come from and hot this actually works with the current structure of Fannie and Freddie - Talk of Fannie/Freddie IPO? --- Both are still still in conservatorship and book value per share still negative - SO WHERE DOES MONEY COME FROM? OHHHHH - How about this - 4PM browbeating for the Defense companies - RTX was in the hotseat (as were others) taking the wrath of Pres Trump saying that they were basically fat and happy and ripping off the taxpayer - No more dividends and no more buybacks was the call - Stocks dropped 5% into the close and then more after - 30 minutes later - conversation changed and the idea of a move from $1T in spending for the defense budget should move to $1.5T in 2027. ----- Where does that money come from? - Stocks JUMPED! Can't Ignore this - Trump suggesting that Corporations and institutional investors cannot buy single family homes - “People live in homes, not corporations,” he said. - The argument is that corporate ownership has helped push housing further out of reach for everyday Americans. - It is for that reason, and much more, that I am immediately taking steps to ban large institutional investors from buying more single-family homes, and I will be calling on Congress to codify it. - Invitation Homes, which is the largest renter of single-family homes in the country, tumbled 6%. Shares of Blackstone, an investing firm that owns and rents single-family homes, dropped more than 5%. Private equity firm Apollo Global Management also declined over 5%. Then there is this... - DOJ putting he screws to Powell - The Trump administration has ramped up its pressure campaign on the U.S. central bank, threatening to indict Federal Reserve Chair Jerome Powell over comments he made to Congress about a building renovation project, prompting the Fed chief to call the move a "pretext" to gain more influence over the ?setting of interest rates. - The latest development in a long-running effort by U.S. President Donald Trump to push the Fed to dramatically lower rates had immediate fallout in Washington and on global markets. - Powell came out with a video over the weekend. - Initially futures were down

Delta CEO Ed Bastian say the airline is seeing double-digit growth in business travel and they are focused on growing internationally. He speaks to Bloomberg's Lisa AbramowiczSee omnystudio.com/listener for privacy information.

Gotham FC Lead Owner Carolyn Tisch Blodgett speaks on the growth in women's sports leagues, pay salaries, and competing with global leagues for US talent. She speaks with Bloomberg's Carol Massar, Tim Stenovec, and Vanessa Perdomo. See omnystudio.com/listener for privacy information.

Sen. Thom Tillis (R-NC) joined Bloomberg's Joe Mathieu to discuss Jay Powell and foreign policy.See omnystudio.com/listener for privacy information.

This is our daily Tech and Business report. KCBS Radio News Anchor Holly Quan spoke with Bloomberg's Reshmi Basu. A year after acquiring Neiman Marcus, Saks is filing for Chapter 11 bankruptcy protection.

Paul Fain, the founder of Work Shift and author of The Job newsletter, returns to Trending in Education for a look at the state of workforce development in 2026. He describes a challenging environment for early-career professionals where emerging technologies are driving significant shifts in hiring and job stability. While four-year degree holders often dominate the media discourse, Paul emphasizes the critical need to report on non-degree workers, particularly those in clerical and administrative roles who face high risks from automation. The episode also explores the rise of "Generation Tool Belt", characterized by a growing interest in skilled trades as young people seek paths that feel more insulated from the knowledge-economy's disruption. This surge in interest has led to waiting lists for community college trade programs, highlighting the importance of reinvesting in this often-overlooked localized infrastructure. In healthcare, the discussion focuses on the frontline workforce, such as certified nursing assistants, and the systemic challenges involved in providing these workers with clear career pathing and opportunities for growth. Looking forward into the 2026 midterm cycle, the conversation touches on high-stakes experiments like Bloomberg Philanthropies' healthcare high schools and the potential expansion of federal Pell Grants to cover short-term credentials. We also examine how massive federal investments in defense and infrastructure might be leveraged to expand job training across the country. Ultimately, we hit on the dignity of work as a rare point of bipartisan priority and the potential to reframe job training as essential infrastructure for economic development. Don't miss this deep dive into shifts in workforce development with the journalist with his finger on the pulse in the transformations in the sector. Subscribe to Trending in Ed wherever you get your podcasts. Visit us at TrendinginEd.com for more. Timestamps 00:00 - Introduction to Paul Fain and the origin of Work Shift. 03:30 - Education and the workforce as a high-profile issue for policymakers. 07:45 - The reporting gap for non-degree workers and non-college paths. 11:30 - Generation Tool Belt: Resurgence of interest in skilled trades. 16:00 - Evaluating the real impact of AI on the current labor market. 21:50 - Community colleges as the localized front lines of retraining. 28:40 - The frontline healthcare crisis and the role of certified nursing assistants. 34:45 - Bloomberg's healthcare high schools and private sector innovation. 39:20 - 2026 Outlook: Short-term Pell grants and apprenticeship funding. 44:00 - Reframing job training as economic infrastructure and the dignity of work

"Excellence happens when you try, each day, to both do and be a little better than you were yesterday." – Pat Riley Check Out These Highlights:  I'm excited to discuss our topic today on how to keep selling human while scaling AI across the funnel. We can get a little better each day, quickly now that we have AI tools that can help us navigate and get more done with ease, if leveraged correctly. In this episode, my guest will share simple workflow redesigns that free reps from admin and give them more time with customers. You will learn how to pair AI with trust, curiosity, and clear next steps. She will share practical plays teams can use this week, and explain how managers coach behaviors that stick and how to measure progress with leading indicators. About Nikki Barua: Nikki is a serial entrepreneur, keynote speaker, and bestselling author. She is CEO and Co-Founder of FlipWork, the human + agentic system for workforce reinvention. For 25 years, she has helped global brands transform strategy, culture, and capabilities. A recognized expert on digital transformation and change, Nikki is featured by CNBC, Bloomberg, Fortune, and Forbes, and honored by EY and Entrepreneur Magazine for visionary leadership and impact. How to Get in Touch with Nikki Barua: Website:   https://www.flipwork.ai/ LinkedIn: https://www.linkedin.com/in/nikkibarua/ Newsletter: https://www.nikkibarua.com/newsletters/reinvention-roadmap/subscribe Stalk me online! LinkTree: https://linktr.ee/conniewhitman Subscribe to the Changing the Sales Game Podcast on your favorite podcast streaming service or YouTube.  New episodes are posted every week - listen as Connie delves into new sales and business topics, or addresses problems you may have in your business.

If you've been treating email as an afterthought, or overcomplicating it, this episode will completely reframe how you think about your list and the long-term value.In this episode, Lydia sits down with Kieryn Wang, email marketing expert and founder of ALLMOST, a boutique agency that helps brands turn email lists into reliable, revenue-generating machines.With over 12 years of experience in digital marketing, Kieryn specializes in high-converting automations, data-driven campaigns, and retention strategies that drive measurable sales growth. Since launching ALLMOST, she has supported more than 60 beauty and wellness brands through done-for-you services and her membership community, helping founders turn email into one of their most profitable and consistent sales channels.Her work has contributed to six- and seven-figure revenue growth for clients, and her insights have been featured in top-tier outlets including Bon Appétit and Bloomberg.What We Cover:- What makes a good lead magnet, and why simple almost always wins- How to keep subscribers engaged and coming back for more- Why unsubscribes are not only normal, but healthy for your list- The types of content that keep subscribers paying attention in your niche- Why chasing trends in email marketing often backfires- What abandoned cart emails really are and how to recover 10–20% of lost purchases with the right strategy- How strong email systems can quietly support six-figure (and beyond) revenue growthConnect with Kieryn Wang:Website: https://www.itsallmost.comSocial: @itsallmostJoin The Conversion Club: A monthly membership for beauty & wellness founders ready to turn email into their most profitable and sustainable sales channel. Get $30 off your membership to The Conversion Club with code VISIBILITY https://www.itsallmost.com/the-conversion-clubFreebie: Download the Inbox-to-Revenue Toolkit, a plug-and-play email analytics tracker + annual email content calendar for beauty & wellness e-commerce brands that are serious about turning inboxes into income. https://itsallmost.com/visibilityera Support the showWant a Personalized PR Plan? (includes: a custom PR pitch, 6 part "how to research media contacts" module, curated list of 5–10 ideal media outlets, “Where to Go from Here” roadmap (pitch cadence, next steps, etc.) AND a personalized voice note. Click here: https://www.visibilityonpurpose.com/offers/prxBzYXW/checkout DIY PR COURSE!! https://www.visibilityonpurpose.com/pitchpartySIGN UP ON QWOTED for free: https://www.qwoted.com/?via=VOPWatch our FREE masterclass to start landing big press features like Forbes & interviews on top 1% podcasts: https://www.visibilityonpurpose.com/getfeatured Connect with us on and off the pod! Website: ⁠www.visibilityonpurpose.com⁠ Instagram: ⁠https://www.instagram.com/visibilityonpurpose/⁠ Youtube: https://www.youtube.com/@visibilityonpurpose

CES 2026 Quick Take: Physical AI, Ambient AI, and the Reality of AdoptionIn this episode, Maribel Lopez, founder and principal analyst at Lopez Research, is joined by Julie Ask, founder of Ask Advisory, for a candid, unscripted conversation on what CES 2026 actually revealed about the state of AI.Rather than focusing on flashy demos or speculative promises, Maribel and Julie examine where AI is delivering real value today—and where expectations are running ahead of reality. Julie's bioJulie is a prominent customer experience analyst, technology futurist, and digital product strategist who has advised hundreds of global brands on the impact emerging technologies (e.g., mobile, sensors, extended reality, networks, AI) can and will have on customer experiences. She actively works with enterprises and vendors to understand how technology and consumer trends will impact their business with a deep focus on customer engagement strategies. For more than 25 years, her work has defined the evolution of consumer digital experiences and inspired brands to take action. Her combined background in engineering and business gives her a unique ability to help business leaders understand what is possible and leverage technology to drive business outcomes. She has appeared frequently on Bloomberg while her research has been cited by the Wall Street Journal, New York Times, Financial Times, and a breadth of marketing publications. She co-authored The Mobile Mind Shift book in 2014. She founded Julie Ask Advisory in 2024 to pursue her passion for helping business leaders understand the impact of AI on experiences. 

Amy King hosts your Tuesday Wake Up Call. ABC News correspondent Jordana Miller joins the show live from Jerusalem to discuss Iran FM claiming protests turned violent so the U.S. would have an ‘excuse’ to intervene. Amy talks with ABC News national reporter Steven Portnoy about the DOJ probe into Powell sparking backlash from some republicans and former fed chairs. Bloomberg’s Denise Pellegrini updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money’ Joel Larsgaard talking about President Trump proposed 10% interest cap rate, ditching credit cards for debit, and overdraft fees.See omnystudio.com/listener for privacy information.

UBS Group Chief Executive Officer Sergio Ermotti said the proposed new banking regulations in Switzerland go “too far” and that lender needs a competitive regulatory framework to grow. He speaks at the UBS Greater China Conference in Shanghai with Bloomberg's Stephen Engle.See omnystudio.com/listener for privacy information.

Amid Iran’s brutal crackdown on protesters, President Trump threatened to slap a 25% tariff on its trading partners, including China and India. This comes as both countries try to deescalate their own trade wars with the administration. On today’s Big Take Asia Podcast, host K. Oanh Ha speaks to Bloomberg’s Daniel Ten Kate about why the path to punishing Iran’s government runs through Asia – China and India in particular. Read more: Trump Risks Imploding China Trade Truce With Iran Tariff VowSee omnystudio.com/listener for privacy information.

This Day in Legal History: Judge Robert W. Archbald ImpeachedOn January 13, 1913, Judge Robert W. Archbald of the U.S. Commerce Court was convicted by the U.S. Senate on articles of impeachment and removed from office, becoming one of the earliest federal judges ousted through this constitutional process. The House had impeached him the prior July on thirteen charges of corruption and misconduct, five of which the Senate upheld. Archbald had used his judicial position to secure favorable deals from railroads and coal companies—entities that regularly appeared before his court. These secretive contracts, executed through intermediaries to obscure his involvement, allowed him to purchase valuable coal lands below market value.One of the more egregious acts involved advising a railroad representative on how to amend legal pleadings to improve their chances of winning in court—a direct violation of judicial ethics. After a twenty-eight-year judicial career, Archbald's fall was swift. His defense largely relied on claims of pure motives, rather than denial of the facts. A senator observed afterward that Archbald was “convicted, not so much of being corrupt, as of lack of plain common sense,” noting his failure to grasp the ethical boundaries expected of judges.The Senate vote was overwhelming, with only five senators dissenting. Every former judge in the Senate, save one, voted to convict. Archbald's conviction marked the first successful impeachment for judicial corruption in U.S. history; earlier impeachments, like that of Judge Pickering in 1804, were rooted in issues like insanity, not unethical conduct. The case prompted calls for reform of the impeachment process itself, with suggestions to create a special judicial conduct court or authorize Senate committees to streamline trials. More broadly, the case had a chilling effect throughout public service, reinforcing ethical standards across all levels of government.Uber is facing a high-stakes sexual assault trial in Phoenix that could have sweeping implications for thousands of similar lawsuits. The case, brought by Oklahoma resident Jaylynn Dean, alleges that Uber failed to protect her from an assault by a driver in 2023. Dean claims Uber has long been aware of sexual assaults committed by drivers but has not taken adequate steps to improve rider safety. This trial marks the first federal bellwether case in a massive consolidation of over 3,000 lawsuits involving similar allegations.Uber maintains that it should not be held liable for criminal actions of independent contractors, arguing its safety features, background checks, and transparency are sufficient. Still, the company faces additional lawsuits in California state court and has been criticized for its historic lack of oversight and a culture focused more on growth than safety.A jury in a previous California case found Uber negligent but ruled that negligence wasn't a direct cause of harm. Uber tried to delay Dean's trial, claiming her attorneys influenced the jury pool with misleading advertisements, but the judge allowed proceedings to continue. The outcome could influence settlement talks, regulatory scrutiny, and investor confidence as Uber continues to defend its safety record.Uber faces sexual assault trial in Arizona that puts its safety record under scrutiny | ReutersThe U.S. Supreme Court is set to hear arguments in two high-profile cases challenging state laws in Idaho and West Virginia that bar transgender students from participating in female sports teams. While the court previously upheld a ban on gender-affirming care for minors in Tennessee, that ruling was seen as narrow. The decision to now consider sports-related bans has heightened concerns among transgender rights advocates about broader implications for legal protections.At the heart of these cases is whether such bans violate the Constitution's Equal Protection Clause or Title IX, which prohibits sex-based discrimination in education. Legal scholars warn that the court's ruling could shape future policies affecting transgender people beyond athletics—such as bathroom access, military service, and healthcare. The Supreme Court's conservative majority has previously supported limits on transgender rights, including allowing restrictions on gender markers for passports and banning transgender people from military service.Idaho's law is being challenged by Lindsay Hecox, a transgender college student who has since stopped playing sports, while West Virginia's ban is being challenged by 15-year-old Becky Pepper-Jackson, who has been allowed to compete under lower court rulings. The states argue the laws protect fairness in women's sports by preventing perceived competitive advantages. Lower courts have reached opposing conclusions on the legality of the bans, setting the stage for the Supreme Court to clarify whether restrictions based on biological sex or transgender status require heightened scrutiny.The Court may also have to decide whether its 2020 decision protecting transgender workers under Title VII extends to school settings under Title IX. Legal observers say this case could reshape how courts approach not just transgender rights but broader equal protection claims.US Supreme Court's next transgender rights battle could affect more than sports | ReutersThe U.S. Supreme Court has declined to hear Citigroup's appeal in a lawsuit accusing the bank of enabling a major fraud at Mexican oil services company Oceanografía, effectively allowing the case to proceed. More than 30 plaintiffs—including bondholders, shipping firms, and Rabobank—allege that Citigroup's Banamex unit knowingly financed Oceanografía to the tune of $3.3 billion between 2008 and 2014, despite the company's mounting debt and fraudulent practices, including forged Pemex signatures.Oceanografía, which serviced Mexico's state-owned oil giant Pemex, collapsed in 2014 and was later declared bankrupt. Citigroup uncovered $430 million in fraudulent advances and was fined $4.75 million by the SEC in 2018 for inadequate internal controls. Plaintiffs argue Citigroup hid critical information while profiting from interest on the advances.At the center of the legal battle is whether bondholders can sue Citigroup under the Racketeer Influenced and Corrupt Organizations Act (RICO), which allows for triple damages. Citigroup contended their claims were standard securities fraud allegations not suited for RICO and pointed to conflicting rulings in other federal appeals courts. However, the 11th Circuit found the plaintiffs' claims plausible, noting it defied belief that a sophisticated bank like Citigroup was unaware of the fraud. By refusing to hear the appeal, the Supreme Court leaves that ruling intact and allows the lawsuit to move forward.US Supreme Court rebuffs Citigroup appeal in lawsuit over Mexican oil company fraud | ReutersThis week, my column for Bloomberg looks at an obscure but telling tax provision: the so-called NASCAR tax break.Dozens of tax provisions expired at the end of 2025, and Congress will soon debate whether to revive them. Among these is the motorsports entertainment complex depreciation break, which allows racetrack owners to write off their facilities over just seven years—a timeline far shorter than that allowed for buildings like housing or wastewater plants. Initially enacted in 2004 as part of the American Jobs Creation Act, the break was a reaction to a Treasury reclassification effort that would have extended depreciation timelines for motorsports. Rather than accepting the change, Congress locked in the favorable treatment to preserve the status quo.Since then, the provision has been extended repeatedly, despite no clear policy rationale or economic justification. Unlike other tax incentives that at least attempt to stimulate broader economic development, the NASCAR break benefits a narrow group of wealthy owners in a lucrative, sponsor-heavy industry. The economic spillover is minimal, and unlike subsidies for sports stadiums—which are themselves of dubious value—this break doesn't even offer the illusion of local benefit.Its survival has more to do with inertia and lobbying than public interest. Letting it remain expired would save money and demonstrate that the tax code isn't permanently rigged in favor of politically connected sectors. More broadly, the column argues for a disciplined framework to evaluate all expiring provisions based on economic efficiency, equity, administrability, and demonstrated value. 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

Spencer Howard is a credit card loyalty program and travel rewards expert. He's also the founder of Straight To The Points – the go-to resource for individuals looking to demystify credit card points so they can experience traveling in luxury for business or pleasure (and occasionally, both!). After helping family and friends understand credit card points for years, he launched STTP in 2017 and has been offering members complimentary and premium content through his Award Alert newsletters ever since (he is up to 21K members as of now!). It's the place to get the most up-to-date information on everything from First and Business Class alerts on flights, to tutorials on how to effectively book and secure flights using credit card points. Having worked in the travel writing industry for nearly a decade, Spencer thrived as a contributing writer with multiple travel media outlets such as Upgraded Points, One Mile At A Time, God Save The Points and The Points Guy. For four years, he excelled as editor in chief at 10xtravel[dot]com where he managed a team of writers and editors to produce the highest quality (not to mention hottest news) in the travel industry. He's been a guest on multiple podcasts including, We Travel There with Lee Hufman, Beyond The Lens, Award Travel 101, Miles to Go and featured in various new outlets such as Forbes Advisor, CNBC, Travel and Leisure Asia, The Washington Post, Bloomberg and Business Insider. Spencer was also a guest speaker at The Annual Chicago Seminars – A Points and Miles Event. Spencer believes that everyone deserves to fly business class at least once in their lifetime, and he's on a journey to make that happen. Since 2017 he's traveled for 3 months of the year and seen 60+ countries. He lives in Washington, D.C with his family and recently became a dad! Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with Spencer Howard:Website: https://straighttothepoints.co/ Instagram: https://www.instagram.com/straighttothepoints/ Linkedin: https://www.linkedin.com/in/spencer-howard-82072710/                                                                       *E – explicit language may be used in this podcast.

Rich Kahn, CEO and Co-Founder of Anura, is driven by a mission to help businesses grow by eliminating digital ad fraud that silently siphons marketing budgets. A lifelong entrepreneur and developer, Rich is passionate about ensuring that advertising dollars reach real users—not bots, malware, or human fraud. We explore Rich's journey from launching an early digital advertising platform to uncovering widespread fraud that threatened his own business—and how building an internal solution eventually led to Anura. Rich breaks down his Ad Optimization Framework—Minimize Fraud, Optimize Conversion, Refresh Content—and explains why fraud must be addressed before any meaningful optimization can occur. He also shares how ad fraud impacts ROI, why lifetime value matters more than cost-per-click, and the conviction required to build and scale a SaaS company in a crowded market. — Improve Traffic Quality by 25% Overnight with Rich Kahn Good day, dear listeners. My name is Steve Preda, the Founder of the Summit OS Group, and the creator of the Summit OS Business Operating System. And today, my guest isa Rich Kahn, the CEO and Co-founder of Anura, an ad fraud solution that monitors traffic to identify real users versus bots, malware, and human fraud. Rich, welcome to the show.  Thanks for having me today.   Well, it’s super interesting business you have and the entrepreneurial journey. So let’s start with my favorite question. What is your personal ‘Why’, and how are you manifesting it in Anura?  My personal ‘Why’ has always been to help people. Fraud is a huge problem. And it’s no longer a question of if you have fraud, it’s a question of how much fraud you have. And I’m watching people spend millions and millions of dollars on digital marketing and getting it siphoned out by fraudsters with bogus traffic. So the ‘Why’ is that, in all the businesses that I've done, I've wanted to help people grow their business. I want to help people grow their staff. I wanted to help people grow, just in general.Share on X And in this case, with the Anura, I’m able to help them identify, wasted spend, eliminate that so they can grow their marketing campaigns and grow their company. And if they grow their company, then they have to grow their staff, and it’s a good thing for everybody. Yeah, definitely. And until we talked, I was not aware that fraud is rampant, especially in ad spend. It didn't occur to me. And I kind of wonder why this is happening. But tell me how you found this problem, and why do you want to solve this, and how did you get to this point to launch a company about it?  Well, in 2003, my wife and I launched a digital marketing firm. Think of Google, but really small. So it’s text-based ads you can target by keyword, bid price, geography, audience, like it had all these targeting criteria. We launched it in 2003. By 2004, we had a nice, stable list of clients, but we started getting some complaints about the traffic quality. Something wasn’t right. And I’m a developer, so I started looking at the code and realizing, looking at all the analytics and the data, and realized that it was bad traffic, it was fraudulent traffic. So I figured, you know what? I don't want to solve fraud. I want to go out, buy a fraud solution, bolt it onto my platform, and just continue doing my business.Share on X Kind of like buying McAfee for your laptop. You just buy and let it scan and do its thing. But in 2004, it didn't exist any fraud solutions. In fact, the first commercial available fraud solution didn’t start selling until 2008 or '09. So I was a developer, and I said, we're going to lose our business if I don't do something. So I figured it out I'd build it myself, and we did. I wrote the software. It worked great. We had to continue evolving it as fraud evolved. And it got to the point where we started having clients ask—if not beg—to use our software outside of our network. And that’s when we kind of got the idea that this might be a good tool to sell by itself, as opposed to baked into our platform. And that's where we launched it, in 2017. We ended up launching a Anura as a standalone solution.  Wow. I mean, it's definitely, if this is a big problem, it's going to affect everyone who advertises. So it could be hundreds of millions of people. How can someone even make money with fraudulent traffic? How does it help them to make money?   Well, what happens is internet advertising fraud is not illegal. There’s no law that says you can’t do it. So if you do find somebody that’s doing it, it’s really difficult to prosecute them in the U.S. But a lot of it happens overseas, so it’s even worse. There’s a lot of countries that allow all kinds of stuff. So basically, what we focus on is that their job is to try to make money. And I read an article one time from another company that was doing stats on fraud detection. They said the average fraudster—and this is why they do it—makes $5 million a year. But how?  There’s a lot of different ways. It depends if they're buying from Google, Facebook, DSPs, or affiliate marketing. But I’ll give you a simple example. One example, which is affiliate marketing. A lot of companies use affiliate marketing. I think it's a $20 or $30 billion industry at this point. It's a big market. So what happens is, right now, you or I can go to Amazon and sign up for their affiliate program, and every time we send them a new client, they'll give us 5% of what they spend. So I'm getting paid on the spend, right? So what if I sent fake users there? I’m not going to get paid for anything because they're not spending money. But what if I’m the fraudster? I use stolen credit cards to make those purchases. So if the purchase gets made and shipped, I get 5%. Affiliates usually get paid net 7. So I get paid net 7, somewhere across that month, maybe the next month, the person whose credit card was stolen says, “Hey, wait a second, I recognize charges that don't belong to me.” And then the investigation starts and takes months before it comes back to Amazon and says, “Oh, you shipped out a product to a fraudulent credit card. You're not getting paid for this. We're taking the money back.” But by then, they've already shipped the product, so they're out the hard cost of the product. They've already paid out the affiliate. The affiliate has already been paid. The affiliate can continue to do that for weeks, knowing that it’s going to take months for them to get caught. Once they get caught, they just set up another account. And what they're doing is making those affiliate margins. So if they spend a hundred dollars, they make five. If they create dozens and dozens of accounts, you can quickly see how they can make a lot of money in a short period of time. That’s just one example.  Yeah. That’s very interesting. Very interesting. So, okay, that’s really cool. So you basically help people not have the fake traffic. So whatever traffic they have, it’s real. So they pay real prices for real value. That’s got to be a significant improvement in advertising efficiency. What is the kind of improvement that you see on average happening for people?  On average, it’s 25% improvement. So 25% of the marketing dollars that they’re spending is fraudulent. Now, if they buy from like Google and Facebook, it's probably around 10%—they're on the lower side. If you buy from the programmatic space, like The Trade Desk and things like that, it’s upwards of 50%, and then everything else falls in between. All the digital types of marketing. If you're doing influencer advertising, if you're doing affiliate advertising, each one has different levels of fraud that we’ve found. But on the high side is programmatic, and on the low side is probably search and social.   Okay, so this seems like a big part of optimizing an ad, and making it perform better. So what I’d like you to share with us—and we'd talked about this in the pre-call is that you have a framework for generally optimizing digital ads. So what would that look like? And one element is fraud, but what are the other elements, and how do you go about optimizing your advertisement?  Sure. Like the heaviest hitter, in my opinion, is fraud. So you start with fraud, you look at where fraud is, and you minimize that, right? The next thing you want to focus on is conversion value. Every campaign has some level of conversion. It could be as simple as a click. It could be as simple as watching a video. It could be purchasing a product. It could be generating a lead for, let’s say, Hey, save money on my car insurance, and you fill out a lead. So what you want to do is look at where that conversion takes place. First off, you want to analyze the conversions because not all conversions are real conversions. You’ll get conversions like credit cards, fake credit cards being used, or fake information being used in fill in forms, and that’s where the fraud comes in. Once you eliminate that, now you can rely on the data that you see in your conversion value, and you start optimizing your campaigns around that conversion value. So as long as hey, this source is generating me a 20% conversion, this source is generating me 10%. Guess what? I want to stop spending on the 10%, spend more than the 20% just optimizing for the conversion value. And that's what's going to get your campaign to perform at its highest level.Share on X  So what are ways to optimize conversion beyond the fraud piece? Yeah, so once fraud’s out of the game, we’ve eliminated fraud, it’s really focusing on the data. What source you buy the traffic from, what sources they get the traffic from. Because sometimes you might buy a source of traffic like Google, and it may not come from Google. It may come from one of its syndicated partners like a CNN or a weather.com or Bloomberg, somewhere where you’re not familiar with, but if they’re getting traffic, that’s their partner network. They’re getting traffic from there. So you want to identify the sources. It could be by keyword, right? You can take a look and break it down by keyword. If you're looking at Google and maybe you have certain keywords that have a much higher performance because it's a better audience to targetShare on X and then you can have some that are much lower, then you got to decide what the cutoff is. So if you say, “Hey, anything less than a 10% conversion, I'm going to get rid of. And anything greater than 10%, I'm going to buy more of.” So that’s kind of where you focus on your conversion value. And ultimately, it’s to try to maximize your conversion while still spending your budget. Because let's say if you've got a source that's converting at 80%. It's going to be far and few between, and they're going to be expensive, and the volume of traffic is going to be light, and it's not going to be enough. Because if you've got one conversion a month, that's probably not enough to survive your company on. So you got to get somewhere in between, where you get the volume and you get the conversion value that you're looking for to give you the best possible campaign.Share on X So basically, you calculate your ROI on each type of conversion, and you get to a point where you still get a positive ROI. Is there like a rule of thumb? What is the kind of ROI do you need in order for it to generally be worth taking the risk of doing the advertising and putting in the effort?  Yeah. It’s very different from client to client. It’s got to be specific to a client. And I'll give you an example. I used to work with a company called TigerDirect. They were a huge reseller of electronics, computers, computer components, and stuff like that. And they would spend $110 to generate a $20 sale. So everybody knows that’s losing money, right? You're losing $80 on every sale you generate, or whatever the number is. If they're spending $100 to generate a sale just to get a $20 sale, why would they do that?  Well, they know once they get a client in the door, they market. They used to send weekly magazines of all the new stuff that's out in the market, the new pricing index, constant email bombardments. They would call you and say, “Hey, I saw you bought recordable CDs. We have a special on recordable CDs if you're looking for them.” They would market like crazy to their client base, and they would average over $300 per client.  So that’s the lifetime value.   Right. Their lifetime value was much greater than their cost for acquisition. And they were comfortable and in a position to spend that money to acquire the client knowing that they would make the money over time. Most companies don't operate that way. Most companies operate like GEICO—they pay $15 or $20 to get somebody to fill out a form saying they want to save money on car insurance. And they may close 15% of those leads into actual deals. And when they do the math, they’re making money every single lead that they get in, the ones that convert. And on the ones they lose, they're making enough money on the wins that the losses are outweighed, and they're still making money. So again, every company, every product—it's different. I've seen the same industries, like car insurance. Let's stick with car insurance. I've seen four or five companies where I'm looking at their conversion rates. Conversion rates are different. Their ROIs are different, their spend is different—everything's different. It's just targeting different audiences.Share on X  So if I had unlimited funding, let’s say, and I want to ramp up as fast as possible, but I wanted to make it in a smart way. Is there like a rule of thumb that your lifetime value—the profit you make on a customer—has to be 3x the amount you spend on advertising? And the lifetime is measured by the profit, not the top line, but the bottom line.  Yeah, I haven't seen a specific rule of thumb to give clients. Obviously, your lifetime value of a client needs to be more than the cost to acquire that client.  And if you want to be profitable, not every company starts out profitable. Look at Uber—they were a billion-dollar company before they went profitable. They were able to raise enough money to keep everything going, because all they cared about was client acquisition.  Yeah.  Let me get as many clients and as many drivers and riders in the door, as many drivers and riders in the door as they can possibly get so they can own the market. They had a great idea. Lyft was right behind them. They didn’t care. They were able to raise enough capital to just keep spending like crazy, knowing that in the long game, once they owned the market in all the different markets they were targeting, they were going to be profitable.Share on X So they were spending like crazy.  Doesn't that mean that there are some actors in the advertising market that inflate prices because maybe they’re venture-funded, and one out of a hundred company is going to make it unicorn? And the other 99 are going to be spending money on advertising, driving up prices. So if someone comes in and they're bootstrapping, they're going to be hard-pressed to actually make a return on their Facebook ads, because there's so much demand chasing results without appropriate expectation.  Well, if there’s enough demand, then the bootstrapper can make it work. I’ve been a bootstrapper my whole life. So if you’re in a market where there’s enough demand, it’ll work. But if you're in a situation where, let's say today, you decide to come up with a rideshare app, you're going to be hard-pressed to win riders and drivers as a new bootstrapped company. Personally, I don't think Uber would be where it is today if it were bootstrapped. A business model like that required to grow fast, and they needed the capital to do it. So there are certain industries that bootstrappers just aren't going to be able to touch, because you've got a company like Uber that was losing money while acquiring all these new clients, knowing that down the road they would own the network and they would be able to be profitable. That’s a big gamble. Yeah. But it's also all the other companies that get funding but never actually make it. And the venture capitalists are spreading their risk because they invest in ten companies, and if one blows up, that's enough.  Yeah.   So that means that there’s a lot of fake demand, basically.  Well, I’m talking about the demand from the client, not demand from the company. The company has the product, and they're trying to generate demand for their product. So when I say demand, I mean demand from the customer.  No, I mean, demand for advertising.  Oh, okay. Yeah, I see what you’re saying.  So clicks.   Yeah. So there's a limited number of people that are looking for that term. You’ve got a lot of people spending money. It’s going to make it difficult to get it unless you’re spending a lot per click.   Yeah.  So that means that maybe pay-per-click advertising is not for the faint of heart.  I wouldn't say that.  Yeah.   It's not for everybody when you're talking about every industry, right? Certain industries—I’ll give you an example. Let's say you're a roofer. Pay-per-click is going to work great for you because there are only so many roofers in a given area, and there's a high demand for roofing. You can get away with spending a couple dollars a click, where it’s not going to break the bank, and you get that phone ringing. My son, for example, owns a power washing and holiday lighting company. And he does Facebook and Google ads. He’s a small company, bootstrapped, and generates plenty of demand because of that situation. But again, if he decided he wanted to compete with Uber, he'd be lost. So it really depends on the industry, Insurance. Let's say you want to start your own Rich Kahn insurance company. Well, I’m going to be competing against Allstate, Progressive, GEICO—all these companies that are spending heavily in that sector. The only way you're going to get action is to spend more per click than they do. And if I’m spending more per click, and I don’t have the scale like they do, I’m going to lose money. Yeah. Super interesting. So let’s circle back to your framework. So we talked about fraud minimization as a way to optimize ads. We talked about conversion. What's the third leg of this stool?  For me, it’s content.   So let's say you've got fraud out of the game. You optimize by campaign and your ads are showing up number one every single time, but the copy doesn't draw. Or you don't refresh the copy often enough, then it gets stale, and people see it and think, “Eh, let me try somebody new.” So they're always looking for newer content, a way to hook the client. You really have to optimize campaign copy. So again, working with Google—that's ones out there—you have the ability to put up multiple ads, multiple creatives. Their system will automatically take titles and rotate them for you so they stay unique. And then they'll push more traffic to the ones that are getting a better conversion rate or a better click-through rate. So it's about constantly staying on top of your copy. Just like when you watch TV. You'll see the same companies advertising over and over again, but it's always a different commercial because they're trying to hook you. If they played the same commercial for the last 20 years, you'd just tune it out.  Tune it out. Yeah.   Yeah. But when you see something new, it's like, “Oh, let me watch that one.” It's kind of cool. Because the commercials have to have good copy. If it's boring, stale copy, nobody's going to pay attention.  And if it's entertaining, then it's even better, right?   Exactly. If it becomes memorable and you think, “Oh my God, you've got to see this commercial I just saw, it was amazing,” that's the kind of commercial you try to build—but it's very difficult to build.  Yeah, that’s very interesting. The creative element is very important. To catch attention and keep it, it has to be creative, curiosity-inducing, and potentially entertaining. That’s wonderful.  Yeah.  So when did you decide to go all in on Anura?  Yeah. We launched it April 1st, 2017. We spent that first year trying to figure out who we were as a business. Because I'd never sold SaaS before, so I was trying to figure out—do I have a pitch deck? How do I talk to people? What works best? How do I get the person to say they're interested and want to get on a call? There was so many things that we were struggling with that first year. I don’t know if we signed up more than one or two clients that first year. By the second year, we signed up a bunch of clients because we started to figure out what was working, who we’re talking to, the right trade shows to go to, the right Google ad campaigns to run.  And as we started getting that, we started getting our traction and we started growing the client base. So I guess we would say we launched in 2017, but really went all in in 2018. That's when we saw our first couple of clients jump on the software, fall in love with it, give us case studies and reviews, and say, “I can't believe how you changed my business. This is amazing.” Once we got into the hands of a client, and we had one or two clients that really embraced it, that's when we felt, “Okay, we're onto something special. We're all in.” That was about 2018.  And then you started winding down your consulting business and went all in on the SaaS business?  Yeah. We left the Google competitor, the really small Google competitor marketing agency. We left it up for a couple years because we had some clients that were still buying and using it. As the client attrition naturally occurred, we got to a point where we said, “Okay, it's time to shut it down.” That was also around 2018–2019. Basically, in 2018 we pulled all the resources from it and just kept it running for the clients that were still there. They'd been with us for years, so we kept it stable. We weren't going to trade shows, we weren't advertising it. Support was handled by two of us, the client support, actually the whole company was run by two of us, three of us, and we just let it run for a couple of years until the last client jumped off, and then we shut it down. Yeah. Actually, that's a great approach—to evolve from a business that maybe has a ceiling, find another opportunity, start putting more time into it as it takes off, reallocate resources, use the legacy business as a cash cow, your legacy business and then once the new business takes off, then basically cut bait. That’s very interesting. And I’ve seen this happen. I’ve done it myself as well. So what's the hardest decision you've ever had to make in your business?   I’m going over the last 22 years. The hardest decision I ever had to make was firing a best friend. And unfortunately, it actually happened twice. My two best friends—one was a partner and one was an employee. We were working together, and it just got to the point where we had to go our separate ways from a business standpoint, and that hurt the relationship. We stopped talking. It was a bad breakup. And I just ran into them about a year ago, and we picked up where we left off—bygones be bygones. It was tough back then because you have a good friend, and it's like, “Oh, I want to bring my friends into the business. So I always tell new business owners when they're starting: if you're going to start the business with friends as a partner, that's different.Share on X But don't hire your friends as employees. Because if you hire them as employees and you have to make a business decision that doesn't go well for them, they're going to pull the “friend card.” And you’re going to be stuck between either getting rid of a bad employee, and I say bad, but like an employee that you need to get rid of or lose a friend. That’s tough. Friends are hard to come by, especially good friends. Especially when you get older and your kids are out of school, you're not hanging out on the sidelines at sports or having coffee with people. As you get older, there are fewer groups you hang out in, so it's harder to find friends. So it’s not worth losing a friend over business.  Yeah, I agree. I agree. I had this experience as well, and it’s it was super painful for both of us. It did impact the relationship, even though we both put up a brave face over it, but it kind of breaks the trust.  Yeah. It’s not fun.   Yeah. So, final question I want to ask you is: what is the most important question an entrepreneur should ask themselves, in your opinion?  Am I willing to not give up? Like I said, when I started this company, it wasn’t a new concept. If it’s a new concept, it's a lot easier to say, “Man, I'm going to crush this.” Because when we started this, there were probably about a half a dozen different fraud solutions in the marketplace back in 2017. There was a handful of them that were out. They were already getting a lot of traction. I think all of them were fully funded and doing really well. It’s not the greatest time in the world to enter the fraud detection market when you have traction like that—kind of like entering the market trying to compete with Uber. But I looked at it and thought, based on everything I was doing, I think we have a better product. And once we started getting that feedback from clients who use the other products and realized we had a better product, it made me more convinced that this is the direction we want to go to.Share on X We want to turn this into its own company. We want to grow it. And for me, that question is: is this something I can do and not give up on? But if it’s something like you’re like, “Ah, if it doesn't do this, I don't know,” then don't start. Because one of the things you’ll find with most entrepreneurs, successful entrepreneurs, they don’t give up, persistence. They’re can be smart about it, but persistent.   It’s also a balance. It’s a belief. Maybe this is what you’re talking about that, do you have this conviction that this is going to work out in the end?  Yeah.  So how do you know? How do you know that you are willing to not give up? What makes you be able to make this decision? Is this a decision or is this like an ongoing question that you keep asking yourself?  For me, it's: I've got to run it through my head and feel that it's an unfillable business. And then I got to feel it in my heart. If I don’t feel it in my head and my heart, I’m not going to do it. I’ve had cut dozens and dozens of great ideas, some that I think would be phenomenal even in today’s standard, but I didn't have the resources I wanted behind them. I didn't really have the heart in those businesses, so I didn't start them. I wasn't all in. Like I said before, with this business, when we started it, I was all in with my toe. And then once I started getting feedback from clients, I jumped in. Because then I knew, it wasn’t me saying I’ve got the best solution, it was my client’s telling me I got a better solution. And then as I get client after client, so now you know, you look at seven, eight years later, I’ve got new people in the office. I started working for this new fraud company. I see they’re kind of small compared to some of the other big companies out in the marketplace. And then they’re on the phone with clients who are like ranting and raving about our software. They come back—now they're all in. And that's really what I want is I want every team member to feel that, to know that they're with the right company. It's not just for me—it's for the team too. Share on X Yeah, the team. I agree. That’s super important. Well, I love that. And this whole idea of the client feedback, reinforcing the value, and making people confident to sell it is huge. Yeah.  All right. So if people would like to reach out to learn about your solution—maybe they’re advertising, they’re spending a lot of money, and they want to save the 25% without losing any conversions, or they just want to reach out and learn more about and get to know you—where should they go and how can they reach you?   I would start with anura.io or www.anura.com . We own both. And on there, we have huge amount of resources. We publish several blogs every week. We have dozens of eBooks online. We have the world’s only comprehensive guide on ad fraud, it’s about an 80 page document. So plenty of ways to learn. And then once they want to talk to somebody, once they’re ready, and like they’ve done their research and they’re ready to talk to us, they can fill out a form and we'll reach out, or they can just pick up the phone and call us. If they want to follow me on LinkedIn, that’s my social media of choice. I post videos like this on there, some wacky videos sometimes with me and my grandkids. The best way to find me is just Rich Kahn on LinkedIn. I'm easy to find.   Awesome. Well, Rich, thank you for coming and sharing your framework—the Ad Optimization Framework. So it's content, fraud minimization, conversion, and this idea of conviction: when you are willing to not give up concept. It’s fabulous. For those of you listening, if you found this valuable, follow us on YouTube, check out our LinkedIn page, and stay tuned because every week we are going to get a wonderful contributor like Rich Kahn, the CEO of Anura. So Rich, thanks for coming and thanks for listening.  Appreciate it. Important Links: Rich's LinkedIn Rich's website

Today on the show: updating the deadly prostest in Iran with Golnar Motevalli from Bloomberg in London, Jordan Miller from ABC News in Jerusalem and Aaron Navarro from CBS News live in D.C. Erick Erickson on the Fed Chair announcement. Mills Hays from NewsNation covering Minneapolis. Plus, the $5K a Day Bonus Blitz! 9am-noon on 95.5 WSB.

Today on the show: updating the deadly prostest in Iran with Golnar Motevalli from Bloomberg in London, Jordan Miller from ABC News in Jerusalem and Aaron Navarro from CBS News live in D.C. Erick Erickson on the Fed Chair announcement. Mills Hays from NewsNation covering Minneapolis. Plus, the $5K a Day Bonus Blitz! 9am-noon on 95.5 WSB.

Today on the show: updating the deadly prostest in Iran with Golnar Motevalli from Bloomberg in London, Jordan Miller from ABC News in Jerusalem and Aaron Navarro from CBS News live in D.C. Erick Erickson on the Fed Chair announcement. Mills Hays from NewsNation covering Minneapolis. Plus, the $5K a Day Bonus Blitz! 9am-noon on 95.5 WSB.

Democratic Sen. Elizabeth Warren says President Trump called her after she gave a speech on affordability, and she told him that Congress could pass a credit card interest rate cap if “he will actually fight for it.” She speaks with Bloomberg's Joe Mathieu and Julie Fine. See omnystudio.com/listener for privacy information.

Capturing Maduro and Buying Greenland – all in a day's work! Markets off to a great start – plenty of January to go… Venezuela oil – untapped opportunity – BUT let's take a closer look. And our Guest – Todd Tresidder – Founder of FinancialMentor.com NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Todd Tresidder graduated from the University of California at Davis with a B.A. in economics and a passion for creating successful businesses. A serial entrepreneur since childhood, Todd went on to build his own wealth as a hedge fund investment manager before “retiring” at 35 to teach others. Today, he provides advanced investment and retirement planning education at FinancialMentor.Com showing you what works, what doesn't, and why based on a depth of proven experience. Todd is a financial coach and educator at FinancialMentor.com. He’s the author of five financial planning books including ‘How Much Money Do I Need To Retire?,’ ‘Don’t Hire A Financial Coach,’ and ‘Variable Annuity Pros and Cons.’ You can connect with Todd via his website, Financialmentor.com, Twitter @FinancialMentor, or on Google+. Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz  Stocks mentioned in this episode: (SHLD), (RTX), (SPY), (GLD), (XLE)

Episode 272- Jersey Spreads the Oppression  Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript SUMMARY KEYWORDS Second Amendment rights, New Jersey gun laws, national firearm licensing, anti-gun oppression, domestic violence restraining order, federal firearms licensing act, gun control measures, gun rights suppression, gun violence prevention, gun rights advocacy, gun rights litigation, gun rights education, gun rights resources, gun rights history, gun rights updates. SPEAKERS Speaker 2, Teddy Nappen, Evan Nappen Evan Nappen 00:15 I’m Evan Nappen. Teddy Nappen 00:17 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. So, New Jersey is spreading the oppression. New Jersey is like a cancer when it comes to Second Amendment rights, and it has to metastasize. This is really one of the primary reasons that Gun Lawyer, our show here, has reach that is further than just New Jersey, even though we focus a lot on New Jersey. But New Jersey is where we see the experimenting done at the cost of our rights, where we see the oppression in full force and effect. And we see their newest machinations coming from the Left wing, anti-Second Amendment, anti-American, think tanks getting their origins in New Jersey. Then spreading and then spreading, with an attempt to spread it to all of America. Evan Nappen 01:26 So, of course, we have New Jersey senators, strictly New Jersey senators here, that are now pushing a national gun licensing scheme, which is national Second Amendment rights oppression, to force the entire country into the agenda of disarmament via New Jersey style. And it is why you have to, we have to, keep the fight up here in New Jersey, which is the front line of the battle. We need to get our politics here changed, because the cancer has to stop. Evan Nappen 02:13 And here’s what they’re proposing right now. Granted, it’s not likely to pass in the current climate right now with Republicans in control, barely, but in control of both houses, and with President Trump at the helm. But it is something that tells you where the Democrats will go should they ever regain power again, and this is showing you just how far they will go to oppress our Second Amendment rights. I mean, it’s apparently not bad enough that the Democrats are so-called Democrat socialists, you know, communist light. But even just in terms of the Constitution that they are supposedly sworn to uphold, it is demonstrated as to be a false oath by them over and over again. Page – 1 – of 13 Evan Nappen 03:14 So, here is the current push, and by the way, this is from an article from Bearing Arms, and it’s by Tommy Knighton. It says, “NJ’s Senators Push National Gun Licensing Bill”. (https://bearingarms.com/tomknighton/2026/01/04/njs-senators-push-national-gun-licensing-bill- n1231085) So, who are the culprits here? Who are those oppressors out of New Jersey? Well, of course, it’s Senator (Corey) Booker and Senator (Andy) Kim. They’ve introduced this legislation, and they’re calling it the Federal Firearm Licensing Act (FFLA). Now, don’t confuse the title. Teddy Nappen 03:43 Doesn’t Cory Booker ever stop talking. Evan Nappen 03:46 Yeah. Don’t confuse this Federal Firearms Licensing Act with the way we traditionally think of an FFL as being a dealer. No, no, no. What they’re doing here, and maybe it’s part of their attempt to fool the public, I don’t know. But it would mandate that every American obtain a Federal Firearms License before purchasing or receiving any firearm. So, if you want to purchase or receive a firearm in America, you’re going to have to get an FFL. Now, this obviously isn’t a dealer FFL. It’s just a private person wanting to exercise Second Amendment rights FFL. This is apparently one of the most comprehensive federal gun control measures, what I prefer to call Second Amendment oppression measures, requiring and establishing a nationwide licensing system. Putting numerous new requirements on every American. Evan Nappen 04:59 Under this proposed legislation, you would need to complete a mandatory firearms training safety that includes both written and hands-on instruction before qualifying for a license. And this is a license just to obtain a firearm. This isn’t to carry a firearm. The Attorney General will then conduct background checks on every applicant, and the FBI would perform regular compliance checks to monitor license holders. So, you’re going to be constantly monitored by the FBI, as well as having to go through this. Each license will expire after five years, requiring gun owners to renew their permission to purchase firearms. And, of course, if the license expires and you don’t renew it, you’re losing your guns and your gun rights. And this is what the oppressionists, what New Jersey’s senators, are putting forward to try to create a national firearm licensing scheme. Of course, it has the end game of utter confiscation and to turn us into, you know, the U.K. basically. Evan Nappen 06:19 The bill will fundamentally alter how Americans can buy and sell firearms privately. Unlicensed individuals could no longer transfer to other unlicensed individuals. Instead, all transactions have to go through dealers, and selling or transferring a firearm without a Federal license issued within the previous 30 days would be illegal. Sellers are mandated to report transactions to law enforcement, etc. So, you can see this is just scratching the surface of this so-called Federal Firearms Licensing Act. It’s designed for the furtherance of their agenda. And this agenda we see come alive in New Jersey. How New Jersey citizens are turned into criminals. Law-abiding citizens turned into criminals by New Jersey Page – 2 – of 13 gun law. I deal with that every day, defending my clients who Jersey has made into law-abiding criminals. And this is something that they want to spread to the entire United States. So, beware. Evan Nappen 07:35 And keep in mind the history of gun rights oppression, beginning with New Jersey, and spreading to the entire U.S. is documented through a number of laws. For example, New Jersey first had the domestic violence misdemeanor and/or restraining order gun ban. New Jersey had it as a state law first, where if you had a domestic violence restraining order, or what New Jersey calls a disorderly person. We can view it as a misdemeanor offense. Concerning domestic violence, then you became a prohibited person to have a firearm. That was not a national law. That was state law. New Jersey was one of the originators of that law. Evan Nappen 08:22 And, of course, it was something that radically departed from what were traditionally prohibited persons. It had to be felons, convicted felons, and originally, it was violent felons, but at least you had to have a felony conviction. But now what you saw was misdemeanant, misdemeanant, a misdemeanant, suddenly having a gun disqualifier. And even less than being a misdemeanant, somebody with a civil restraining order became forfeit, disenfranchised of their Second Amendment rights. And New Jersey did it first to its own people. Then Senator, the corpse, Lautenberg, as you may recall, put it forward federally, and it became federal law by a New Jersey Senator. Creating new disqualifiers for domestic violence restraining order and/or domestic violence misdemeanor. Thereby, retroactively, by the way, because there’s no ex post facto when it comes to a civil disqualifier. Retroactively disqualifying hundreds and hundreds of thousands of people that were lawful gun owners into being unlawful gun owners. And lowering the bar for a loss of Second Amendment rights. Evan Nappen 10:01 This has impacted thousands of people in their gun rights, criminal prosecutions, et cetera. And, of course, no piece of paper ever actually really protected somebody. I mean, that’s a joke. You know, these restraining orders are feel good more than anything. I mean, good luck. I mean, we’ve seen case after case where, yeah, the person had a restraining order, and they still became victimized by the person who was restrained. And even taking away guns from the person who has the restraining order. Yeah, oh, there’s no way that they might get another gun, right? So, that thousands of people get their guns seized. Teddy Nappen 10:49 Or, the classic. He threw pretzels at me! Evan Nappen 10:52 Right! Oh, God. Teddy Nappen 10:53 Or where you get accused of something that isn’t true, that they make stuff up and there’s clear falsification. And then. Page – 3 – of 13 Evan Nappen 11:00 Teddy, you’re so right. As soon as that TRO, Temporary Restraining Order, issues based on the flimsiest of allegations, with you having no say whatsoever. And, you know, it’s harder to get a sandwich at Wawa, than to get a TRO issued against somebody. You now have to go to court. Your guns are going to be seized pursuant to that TRO, and you’re going to have a fight, not only on the allegations, but also on trying to regain your rights. And it’s just a nightmare that can be triggered on the flimsiest of allegations. We see it all the time. And oh, well, that’s not politically correct. Well, it doesn’t matter, folks. I don’t do this show so I can maintain political correctness. Evan Nappen 11:46 I’m telling you what I see as a practicing attorney all the time in this area. I see the abuse, abuse of rights, okay? I see this system being abused against individuals. None of this means that I’m in favor of someone being domestically abused, being violently abused in any capacity. I don’t want to see anybody abused. But that doesn’t mean that we do not talk about the actual effect that we see happen over and over and over again when it comes to the Lautenberg law that started with New Jersey and became federal law by New Jersey senators spreading the cancer, spreading the oppression, to the entire United States. So, that’s why this bill that you may think right now is not a threat, but don’t underestimate how important it is to be aware of it and to know that this very well could become reality. Because other bills in the past that were thought impossible, too, become law have become federal law. So, New Jersey is the state to watch when it comes to the danger to our Second Amendment rights. Evan Nappen 13:08 Now I have a letter here from Ask Evan, and this is from Ron. Ron says, I hope you had a Merry Christmas and a Happy New Year. Well, thank you, Ron. I’m not sure if this is in your area of expertise, but I’m interested on how to handle fish and wildlife officers when hunting with a firearm. With open fields and extended powers granted them, what are we required to do and say to them when approached in the field while hunting,? Are there any recommendations or common issues you encounter how to prevent becoming a gun owner mess up of the week? I like how you call this. It’s a GOFU. You don’t want to be a GOFU, and I appreciate that you don’t want to be a GOFU. Teddy Nappen 13:45 Oh, check every, check every bush. Check every bush when you go out hunting, because you may find a fish and game officer. Evan Nappen 13:50 Hiding behind any bush, right? So, yeah, that reminds me of, I don’t know if I should tell that joke about. The law professor, the appellate judge, and the trial court judge all went hunting. So, they’re out hunting, and in front of the appellate court judge, the bush shook and moved, and out walks a deer. Now the appellate court judge looks at that and says, okay, there’s a three-part test to determine if that deer is a deer. You know, you gotta look at the antlers. You gotta look if there are any. Then you gotta look at the hoofs and the tail. And by the time he does a three-part test of the appellate judge’s determination, the deer is gone. It took off. Next thing you know, in front of the law professor, another little bush shakes and out walks a deer. And the law professor knows it’s a deer, but before he shoots, Page – 4 – of 13 he says, you know what’s the societal impact of me shooting this deer? I wonder how it might affect civil rights and current DEI requirements and all that. By the time he finishes all his social considerations, that deer is gone. Next thing you know, in front of the trial court judge, the bush shakes, and the trial court judge immediately fires into the bush and says, damn, I hope that’s a deer. Anyway, I know if you’re and maybe, maybe you have to be a lawyer to appreciate it, maybe you don’t. Evan Nappen 14:36 Anyway. Well, back to the hunting and fishing question here, Teddy. Sorry to torture people with that. And it’s a really good question. And what it says is, what do you do in this situation. Well, here’s the deal. Law enforcement is law enforcement. Fish and Game Officers are law enforcement officers, and they’re proud to say they are. So, the question is, do you have to talk to law enforcement? And the answer is, no, you don’t. You don’t have to talk to law enforcement. Now, what you do have to do, though, is you have to provide your pedigree information. I mean, if they asked to see your license, I would suggest show them your license and identifying yourself as you would with any officer, your pedigree information. But I would not talk anything about your activities in the field. I would not talk about anything about anything. Evan Nappen 15:40 I mean, if they walk up to you and you have your gun, then they want to make sure that things are safe. So, they may ask to secure your firearm in some manner, and it’s best to cooperate with that. But as far as what you say, you have a Fifth Amendment right to remain silent. You have a Sixth Amendment right to an attorney. You have no obligation to speak to them about any other questions they may have about having to do anything that requires you to say something without a lawyer, other than what I would just leave as identification and pedigree as to who you are, but that’s essentially how it is. And you know, if they say, hey, we want to search your vehicle. No, you do not consent to them searching your vehicle. If they’re going to search no matter what, then they’ll do whatever they’re going to do. But you are not going to consent to it, and that’s the difference. Evan Nappen 15:40 The problem is that with Fish and Game violations, you can end up having your gun rights in jeopardy. They will attempt to use your hunting violations as public health, safety, welfare, character assassination type tactics. Where they will say, oh, you didn’t hunt properly, or follow the hunting laws, etc, with firearms. And then they’ll use it to try to then take away your gun rights. So, there is a risk when hunting that hunting charges can jeopardize your gun rights by them using what I call the all- inclusive miscellaneous weasel clause, also known as “public health, safety, and welfare” of the 58-3 licensing requirements. They will take your hunting violations and try to push it into a claim that somehow you’re a danger. So, you have to be careful with having hunting violations, because, yes, it can directly come into conflict and cause problems for your Second Amendment rights on possession of firearms, generally speaking. So, always stand on your rights and be aware that your rights don’t just disappear because the Law Enforcement Officer you’re dealing with happens to be a Fish and Game Law Enforcement Officer. Page – 5 – of 13 Evan Nappen 15:55 Hey, let me tell you about our friends at WeShoot, which is a range where Teddy and I both shoot in Lakewood. We love WeShoot. Well, they’ve been spotlighting some of their instructors, and they have really top notch instructors. They are highlighting about their expert instructor, retired Detective Sergeant Jim Weinberg, aka Rabbi Jim, folks. That’s right, Rabbi Jim is a legendary instructor at WeShoot, and Rabbi Jim is really top notch. He’s had a lifetime of service. Over 30 years in law enforcement experience in both the Union County’s Prosecutor’s Office and as Union County Police Officer. And he spent two decades with SWAT/UCERT operator. He’s trained thousands, and he’s a PTC Certified Instructor as well. That’s for Police Training Commission purposes. And he served as a Fire Instructor at the police academy. And so he is one of their great trainers at WeShoot. He can do the RPO qualifications, and he can do CCARE. And he has a great teaching style. Jim is just one of the great instructors that you can have instruct you at WeShoot. Evan Nappen 20:50 It’s amazing resource that we have right there in Central Jersey, easily accessible off the Parkway. They have a great pro shop, great staff and a great range. I mean it. We love WeShoot, and so will you. Go to weshootusa.com, weshootusa.com. Check out their website. You’ll find they have wonderful photography and, of course, you want to check out the WeShoot girls that have great guns and other things that they display proudly that you will love to see. And you can find those at the pro shop. They often run great sales and deals. So, make sure you check out weshootusa.com. Evan Nappen 21:39 Also, I want to mention our good friends at the Association of New Jersey Rifle & Pistol Clubs. Boy oh, boy, things are heating up. We have some major litigation that we’re going to see some major results on in the Third Circuit, where the full panel has agreed on a number of our issues to do the review. We’re cautiously optimistic here about seeing some real important wins in terms of the case law. The Association is there at the forefront on this litigation. Very exciting. Regarding so-called assault firearms and large capacity magazines, which we prefer to call standard capacity magazines and assault firearms. Man, the pejorative terms of the Left. They’re just so ridiculous. Evan Nappen 22:35 Anyway, the bottom line is, it’s not just words. It’s the effect that these wacko definitions that they put into law arbitrarily turn us into criminals, and that’s what has to end. I’m cautiously optimistic that the court is going to do that. The court is going to step up and finally address these key issues in a positive way for our Second Amendment rights. I mean, folks, I know it gets depressing out there with how we’re treated, but the truth is, we are making tremendous progress. We really are. Between President Trump’s administration and with the Supreme Court and with his appointment of judges throughout the federal court system, we are seeing great progress. I’m really excited for it, but we have to stay vigilant. As you know, the Association of New Jersey Rifle & Pistol Clubs will help you maintain your vigilance. Go to anjrpc.org, and make sure you join as a member. You’ll get those email updates, and you’ll be glad you did. Page – 6 – of 13 Evan Nappen 23:50 And let me also shamelessly promote my book New Jersey Gun Law, which is the Bible of New Jersey gun law, and you will enjoy it immensely. And you can say to yourself, how does a state like New Jersey even exist with this insane matrix of laws? But at least you’ll know because you have the book on how to safely navigate through them. So, get your copy of New Jersey Gun Law today. The 25th Anniversary Edition is available from EvanNappen.com Hey, that sounds like my name. Well, in fact, it is. Go to EvanNappen.com, and you’ll see the big orange book there. Get your copy today. Make sure you scan the front QR code and join my private subscriber base. I will send you out updates, and you’ll be able to access the archives. And I’m working on what will be the 2026 Comprehensive Update. We’re waiting to see if laws that have passed get signed into law, which I expect any day now they will be. And then I’m going to be putting out the update. So, you want to make sure you have the book and belong on the subscriber base so that you can stay current. Teddy, what do you have for us today? Teddy Nappen 25:03 Well, as you know, Press Checks are always free. And because it’s the new year, we always gotta check in on the gun rights suppressors and what’s the latest of their propaganda. They decided to put out a report card like they’re, like they’re, a teacher scolding the states for failing to apply their gun rights oppression. (https://giffords.org/lawcenter/resources/scorecard/) But New Jersey, who is the teacher’s pet, got an A. Evan Nappen 25:34 Of course, New Jersey got an A. What does the “A” stand for? Teddy Nappen 25:37 “A” stands for anti-gunners. Also, for New Jersey, the Bloomberg check cleared. So, obviously they’re going to push for it. So. Evan Nappen 25:46 I thought a stands for “a holes”. Teddy Nappen 25:49 That works, too. But yeah, they break it down in that. You can go to their website and check it out. They make it very convenient to click and compare/contrast states. By the way, New Hampshire got an F. So, good job. Evan Nappen 26:03 Oh, New Hampshire, good. F for freedom. Teddy Nappen 26:06 F for freedom. Yep. F for freedom. A for anti-gunners. That’s how we look at it. But I love how they tote it. Which is gun law strength rank, number two. Sorry, they lost. I guess California still wins the day. Teddy Nappen 26:19 Really? Wait, who was number one? Page – 7 – of 13 Teddy Nappen 26:24 From pulling up from that, pulling up, I believe it was California. Evan Nappen 26:28 That makes sense. Teddy Nappen 26:30 They went. Yep, California is number one. Yeah, congratulations to California. Good luck. Good luck. How are the fires? Anyways, I love how they tote the gun death rate ranking, one of the lowest gun death rankings. They always love to tote that. And what is gun deaths? Well, anyone who’s been shot by a firearm, regardless. They count and they misconstrue and put a stamp on it. And by the way, a lot of the other states don’t like to report. Evan Nappen 27:05 They push these false statistics. They’re just such liars. They’re unbelievable. They just, you know, they contort the statistics to make it fit their agenda. It’s that simple. Teddy Nappen 27:17 Yeah, it’s what they do. And they highlighted New Jersey’s investment of nearly $34 million in community violence intervention programs. What does that translate into? Oh, the domestic violence programs, all the anti-gun, you know, NGOs to fund our gun right suppression. Basically, when they say that, it’s them saying New Jersey is paying Democrats to take away your rights. Evan Nappen 27:45 Good way to translate it. Teddy Nappen 27:46 Yeah, just from following the money. I do love the comment section. Again, I’m treating this like a teacher going over. Well, you did a very good job. However, for a way to improve, expand your firearm responsibility laws, aka make a law to circumvent the PLCCA so that you can sue gun companies to create gun deserts. They want to require prohibited people to relinquish their firearms, even though prohibited people aren’t allowed to possess firearms. But that’s just, you know, they’re just, they’re just throwing something extra out there. And to raise the minimum age for purchase or carry a firearms to 21. I mean, at this point. Evan Nappen 28:33 Raise the age for guns, but they want to lower voting to 16. It’s amazing how certain civil rights should have high ages, and other civil rights have low ages. But we can’t just say the age of majority for everything, God forbid, right? 18. Teddy Nappen 28:50 I know. I know the you know the age should be 20. You know, I wonder what would happen to the Dems when you hear the age 21 to vote? Yeah. Page – 8 – of 13 Evan Nappen 28:59 Yeah. Right. Just apply anything. Or freedom of speech. That’s the other one. Yeah, before you can say or you can do anything. Before you can voice your opinion, you need to. Teddy Nappen 29:11 After getting approved from the Government to speak. Evan Nappen 29:13 Right. Prior approval and taking training courses with licensure. Teddy Nappen 29:20 Well, they already want to do that. Evan Nappen 29:21 So that every right is registered. Teddy Nappen 29:24 Well, you have to have the safety of language, because words are violence. Also silence is violence. It actually kind of reminds me of when I had to do the ethics. Evan Nappen 29:34 Wait, they said that silence is violence? Teddy Nappen 29:36 Oh yeah, that’s the game the Left play. Either. Either you cannot say those things because those are mean. But also, silence is violence. The only logical thing you can do is agree with us. That is their logic, and it’s quite disgusting how they play that game. Evan Nappen 29:54 I like that. Silence is violence. Teddy Nappen 29:56 Silence is violence but also, don’t use hurtful language. Figure that out. It’s a trap. That is the game they play. Evan Nappen 30:01 Why did you shoot that person? Well, because he didn’t say anything and silence is violence. Teddy Nappen 30:06 It honestly reminds me of when we had to do the ethics course for when you’re when you become a attorney. The certification they do. This woman comes up and then says to everyone, everyone on Zoom. By the way, they said to us in the very beginning, no one make comments to the speakers, Page – 9 – of 13 please. We know there’s disagreements, but this must be said. She gets up on the podium and says, you are not a comedian. Do not make jokes. That is offensive. Evan Nappen 30:06 Do not make jokes? Teddy Nappen 30:12 Do not make jokes. And my first thought was, my God, you are the problem with society. Like you can’t make jokes. I’m like, oh, my God. So yeah, but getting back to the. Evan Nappen 30:14 No jokes. Wasn’t that from Zulu? Remember when he was talking? Teddy Nappen 30:55 No, no, no. He says. Evan Nappen 30:56 What did he say in Zulu? Teddy Nappen 30:57 The sergeant, the Sergeant, Sergeant, yes. They say, no comedian. Evan Nappen 31:02 No comedian. Teddy Nappen 31:05 He’s going through like, he’s going through roles. Evan Nappen 31:08 Right. Because they’re getting ready for battle. Teddy Nappen 31:10 After the battle, he says Hicks? You’re alive. Say your name. Oh, I’m alive. Thank you, sir. No comedians. Yeah, I will give this card one thing important that I like. It basically lays the whole groundwork of them chastising the Trump administration for its very pro-gun activities they’ve done throughout the Government. Evan Nappen 31:42 Criticizing President Trump for expanding Second Amendment rights? Okay, so do they make a list or something? Teddy Nappen 31:48 Oh, they made a wonderful list. And I was like. Page – 10 – of 13 Evan Nappen 31:50 Let’s hear all the terrible things President Trump has done in expanding Second Amendment rights. Teddy Nappen 31:55 Cutting $800 million of public safety grants, and $150 million to the violence intervention and prevention programs. Evan Nappen 32:03 Nice. The propaganda arm. Teddy Nappen 32:05 Yeah, all that. And then going after ending the Office of Gun Violence Prevention. You know, all the horrible laws that we’ve been getting in the SAFE offices? Those were created by the Office of Gun Violence Prevention. Trump ended that office and then created. Evan Nappen 32:24 That was propaganda office of Biden. Teddy Nappen 32:28 Correct. And he ended that. Also the dealer regulation. This is them saying it. Dealer regulation, gun hardware. Trump has considered many cuts to the ATF and removing core ATF policies for penalizing gun dealers. You know. Evan Nappen 32:43 Those were outrageously bad. Teddy Nappen 32:46 One screw up and you lose your license. Evan Nappen 32:49 Yeah. So, that was great that he got rid of all that. Teddy Nappen 32:53 Gun Violence Research Policy cut hundreds of staff to the CDC and, you know, another propaganda department, pumping out false data and oversaw allocation of research grants, you know, to oh, Bloomberg’s college. Evan Nappen 33:07 Yeah. Because they want to make it a health issue so they can regulate it in that manner. And it’s not a health issue. And yet, they want to put it in that context, so then they can Page – 11 – of 13 Teddy Nappen 33:18 Then the big highlight, which I’m laughing that they actually know about this, the One Big, Beautiful Bill where it removes the tax requirement for gun silencers. They were trying to put a short barreled rifles, sawed off shotguns. I know those two. I don’t I don’t know if those two made it. Evan Nappen 33:35 Any other weapon. Suppressors, any other weapons. And by getting rid of the tax, the idea there is now we’re in litigation that the entire NFA needs to go. And, of course, with success with that lawsuit, where if there is no tax, then it loses its justification for existence. Then we can actually legalize machine guns by way of a simple reconciliation bill where we remove the tax through NFA even on machine guns. That’s how we’ll get the job done. Teddy Nappen 34:10 Take me back four years ago and tell me there would have been a bill put forward to effectively kneecap and shatter the NFA. That is the earth shattering power that this administration has done. Evan Nappen 34:26 And think about this. For the first time since 1934 when this was enacted, we’ve actually been able to take a piece out of it, and the piece has been the actual money that’s been collected. And by the way, there’s been a boom since the tax is gone, in people getting suppressors and getting these other things, even with the law still in effect. I have recently seen that the turnaround time on getting suppressors without having to pay the tax is very quick, as quick as one day. Even electronically, I’ve been hearing. So, it’s very fast turnaround, and it’s being done without having to pay the 200 bucks. Now, of course, if you live in the gun right suppression state of New Jersey, the state still bans silencers. But that’s currently being challenged in court as well. At the moment, you can’t have a suppressor because New Jersey is in favor of gun owners damaging their hearing and making sure that it is as unsafe as possible for any gun owner in terms of hearing protection. But we should see that litigation come to fruition shortly. Anything else on the list that President Trump has done? Teddy Nappen 35:43 Oh, they were going after, of course, the forced reset trigger. They’re trying, oh, yeah, that we’re like. No longer will the ATF come breaking down your door or trying to get, you know, going through and, you know, creating their own work by then saying, oh, it’s fine. And no, it’s not. And then going after innocent people who are making a purchase. It’s the level all these things. I just tell these people. This is as pro-gun as we could possibly get with this administration at the moment. And there’s still more to come, because we’re in the second year. We’re just starting the second year. Evan Nappen 36:21 I know. I know it’s just the beginning of our Christmas gift list of fun. So, it’s great. All right, well, so long as we keep making progress, which we are. But let me tell you about this week’s GOFU, which is, of course, the Gun Owners Fuck Up. And it’s important to know this so that you don’t end up having an expensive lesson learned, where you get to learn it on the cheap. You get to learn it free from the show. So, these are based on actual cases, actual clients, actual real GOFUs that I’ve seen. This week’s GOFU has to do with make sure you know the dates of your gun purchases, because New Jersey has Page – 12 – of 13 one gun a month, right? One handgun within a 30-day period. You can’t get more than that. So, I always look at one gun a month as kind of the gun of the month where you have to buy one every 30 days. But whether or not you want to take that approach or not, the problem is, don’t attempt purchase within the 30 days, even by accident, because it’ll have ramifications. It gets picked up on because of how the system is designed. If you even inadvertently end up in that more than one gun within 30 days, you can have serious problems. So, be very cautious. I’ve even had debates over the counting in terms of hours for the difference. Make sure you have a good buffer in there until we knock that law out as unconstitutional, which it really should be. I don’t want to see you have a GOFU in which the purchase within the 30 days triggers an escalation to seizure, revocation and possible criminal charges. The whole nine yards coming down on your head. Keep the count of days accurate and clear. Evan Nappen 37:07 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 37:30 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 13 – of 13 Downloadable PDF TranscriptGun Lawyer S5 E272_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

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