Podcasts about Cogo

In this data-drenched episode, Kent, Producer Sean and Russ Hall bring the heat with updates, promos, and a life-altering reminder that you can impact anyone within 3 feet…unless you're holding a GNSS rover—in which case, give them a little more room. Enter Ted Knaak, the President of TopoDOT and certified geospatial Jedi. Ted takes us on a journey from Jersey Shore roots to launching Riegl USA in the 90s, and then mic-dropping the geospatial world with TopoDOT in 2011—because clearly, satellites weren't ambitious enough. We talk TopoShare (data governance's cooler cousin), reality capture, point clouds, paradigm shifts, ROI (Return On Innovation?), and how TopoDOT is turning surveying into a high-resolution lifestyle. It's basically Shark Tank meets Star Trek for surveyors. Song of the Week? Bruce Springsteen's “I'm Goin' Down,” which ironically pairs well with LiDAR elevation points. BONUS: If you like brain-twisters, there's even a boundary survey quiz, a GEODNET miner count update, and enough acronyms to crash your COGO. So buckle up, grab your Emlid kit, and prepare to be inspired, educated, and just confused enough to start googling “blockchain RTK.” TopoDOT didn't just draw a line—it rendered the entire surface.

Fala Carlão conversa com Carlos Cogo, da Cogo Inteligência de Mercado, direto do Encontro de Distribuidores 2025 da ICL. Especialista em tendências e análises econômicas do agro, Cogo trouxe uma visão realista e estratégica do cenário atual. Em sua palestra, falou sobre os solavancos do mercado internacional, as vantagens competitivas que o Brasil tem neste momento e o crescimento da demanda chinesa por nossos produtos. Também abordou os desafios estruturais internos, apontou gargalos ligados à gestão pública e reforçou que, mesmo em meio às incertezas, este é um momento favorável para investir, com inteligência e visão de longo prazo. Fala aí, Carlos!

Prêmios, câmbio e compras antecipadas de insumos têm sido os principais para as vendas intensas de soja nos últimos dias. Margens para a safra 2025/26, inclusive, são semelhantes às da safra atual e devem ser aproveitadas.

Questa settimana abbiamo un ospite speciale: Lorenzo Cogo, chef brillante e sperimentatore del gusto. Dai suoi inizi precoci alla stella Michelin, fino alla voglia di rompere gli schemi, ci racconta il suo viaggio tra piatti, viaggi e ispirazioni.Una puntata ricca di passione e creatività!Siediti a tavola, seguici su Telegram (t.me/radiooblo) e ascoltaci! 

Este é o LíderCast Business que, em parceria com a Andav – Associação Nacional dos Distribuidores de Insumos Agrícolas e Veterinários, ouviu diversas vozes do agronegócio durante O Congresso Andav de 2024. Neste episódio temos Carlos Cogo, um consultor especializado no mercado e em projeções do Agro no Brasil. Conversamos sobre a necessidade de aprimoramento da gestão por parte dos protagonistas do agronegócio.See omnystudio.com/listener for privacy information.

Este é o LíderCast Business que, em parceria com a Andav – Associação Nacional dos Distribuidores de Insumos Agrícolas e Veterinários, ouviu diversas vozes do agronegócio durante O Congresso Andav de 2024. Neste episódio temos Carlos Cogo, um consultor especializado no mercado e em projeções do Agro no Brasil. Conversamos sobre a necessidade de aprimoramento da gestão por parte dos protagonistas do agronegócio.See omnystudio.com/listener for privacy information.

O Mundo passa por um período de reconstrução dos estoques e a confirmação de boas safras nos EUA e na América do Sul pode derrubar os preços, alerta Cogo

Antecipar vendas de safra nova também pode ser uma boa estratégia com margens voltando a ficar positivas

We're back talking about the magic of mushrooms. This time though, we're not talking about mushrooms as psychedelics or going on a journey with mushrooms, we're talking about the healing powers of mushrooms with Ken and Roger of Fruiting Bodies.They know first-hand the functional use of mushrooms as remedies because mushrooms have literally saved their own lives. We can't wait for you to hear their stories – and the impact that mushrooms have in their lives and the lives of so many that they've helped. They've taken their passion and created Fruiting Bodies – where they've crafted their own remedies with fresh, organic mushrooms that produce real, measurable benefits.As they say, fungi and humans have been friends for centuries. As we evolved, our bodies have come to respond to certain fungi in miraculous ways.They can't wait to tell you all of the ways that functional mushrooms can change your life – and about the products that they have created with the utmost care and precision that is now being used by people all over the world, including doctors and patient care.MORE FROM FRUITING BODIESFind out more about functional mushrooms + products by Fruiting Bodies at fruitingbodies.co.Follow them on Instagram @fruitingbodies.coGo behind-the-scenes on Instagram @fruitingbodeslabVisit theseekingcenter.com for more from Robyn + Karen, plus mega inspo -- and the best wellness + spiritual practitioners, products and experiences on the planet! You can also follow Seeking Center on Instagram @theseekingcenter

Milano è la città più inquinata di Italia e in generale tutta la Pianura Padana, beh, non è proprio idilliaca. E allora perché invece di diventare l'ennesim* social media manager per l'ennesimo brand a caso, non tentare la carriera di pastora (quella tra i campi, non come il Reverendo Camden)? È quello che ha fatto l'ospite di questa puntata Marzia Cogo: ha detto "no" al disagio cittadino per vivere la sui monti con Hannette, dove il cielo è sempre blu ma per fare la spesa ci voglio 3 ore, di cui una a piedi e una su un trattore. L'unica cosa che interessa alla nostra Vee è di potersi sdraiare su una vacca, tutto il resto non conta. Learn more about your ad choices. Visit megaphone.fm/adchoices

Apesar da queda nos preços, Cogo alerta para relação de troca favorável para fertilizantes e defensivos

The conscious consumer movement has an impact but it's still small - a minority of people choose to change their behaviour. Imagine if you could make your carbon footprint your bank's problem. Imagine these large institutions, with millions of customers and insights into their spending, worry about their customers' carbon footprint. That's the genius of new carbon disclosure laws - banks, insurances companies, airlines and other large companies must now report not only on their own footprints but their customers' too-so-called Scope 3 emissions. And someone needs to help them do that counting. Enter Cogo, formerly personal carbon footprint app, now being deployed by banks across Australia, NZ and the UK. Ben Gleisner, founder and entrepreneur joins Vincent to explain what's going on with Cogo.

Happy Monday Morons! The magnetic and talented Justin Sylvester joins the podcast this gorgeous Monday for a stunning conversation recounting his time interviewing celebrities on the carpet, on E!, and needing a Celsius to survive Oppenheimer! Justin shares his journey in the quirky realm of celebrity interviews and the confounding world of publicists. With snippets on Jet Blue woes, Neicy Nash's Emmy win, and the demanding life of a billionaire's wife, laughter is the key ingredient in this lively storytelling session. It's not a latte, it's not vodka, IT'S A LATKE! What are ya nuts?!Leave us a voicemail here!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Hero Bread is offering a special 10% off your first order on their new recipe with the code GOODGUYS24 at Hero.coGo to Nutrafol.com code GOODGUYS to save $10 off your first month's subscription and free shippingCerebral.com/podcast code goodguys for 15% off your first monthDownload the Drizly app or go to Drizly.com. Must be 21+Blaze Your Own Trail - Visit harrys.com/goodguys for a $3 Trial SetProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover how your everyday purchases can be a catalyst for climate action as we chat with Ben Gleisner, the driving force behind Cogo. Ben's journey from the UK to the picturesque landscapes of New Zealand has led him to pioneer a movement where financial transactions become a measure of our environmental impact. Our conversation uncovers the intricate workings of Cogo, which transforms banking data into a personal carbon footprint calculator, effortlessly integrating with your favorite banking apps.  We also uncover the unique attributes that elevate Cogo above its peers in the carbon footprint estimation arena. With Ben's expertise, we peel back the layers on how Cogo's approach to data accuracy and local partnerships is changing the game in consumer behavior. Tune in to this week's episode to grasp the full scope of how informed spending is not just a powerful statement but a step towards a sustainable planet.

Merry Christmas Morons! The Good Guys love ya and are here to spread some Christmas and overall non-secular holiday fear... oops.... cheer! Listen in for holiday fun facts, Christmas plans, speakpipes and learning that the first Rockefeller Christmas tree was indeed...small! ALSO the guys have a huge announcement at the end of this episode, so stay tuned. If you don't listen all the way through, what are ya nuts?!Leave us a voicemail here!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Hero Bread is offering a special 10% off your first order on their new recipe with the code GOODGUYS at Hero.coGo to Nutrafol.com code GOODGUYS to save $10 off your first month's subscription and free shippingGo to HelloFresh.com/goodguysfree and use code goodguysfree for free breakfast for lifeProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

De acordo com Carlos Cogo a margem líquida para o Cerrado em 2024 é de 13% contra 3% desse ano; no Sul esse percentual é de 22% contra 18%

Concentração de oferta na colheita mais prêmios negativos nos portos brasileiros tiram lucratividade do produtor

It's beautiful, gorgeous, fantastic... it's Monday babe! What do you do when your neighbor is having very loud canoodling? How shvitzy can the guys get in NYC? Are you a paramedic, firefighter, or police officer? How do service dogs use the bathroom? We don't have all the answers, but we have all the questions! For the love of Yahweh, remember to tell your partner you love them at the club! What are ya nuts?!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Hero Bread is offering a special 10% off your first order with the code GOODGUYS at Hero.coGo to dreamlandbabyco.com and enter my code GOODGUYS at check out to receive 20% off site wide + free shippingGo to Nutrafol.com code GOODGUYS to save $10 off your first month's Get $80 off your first month with Talkspace when you go to Talkspace.com/GOODGUYSGo to Quince.com/goodguys for free shipping and 365-day returns on you orderProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Queen Claudia is back are we are COMING CLEAN! Did Claudia have a bad girl era? Did Ben and Josh have a bad boy era? Will Claudia ever do barre again? Is Scandoval tired? Josh addresses **the** Brittany Broski TikTok, and yes it's Producer Marshall's fault. Ben and Claudia talk about their fit eras on the big O.... well, not that O. Tune in! It's juicy! What are ya nuts?!Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:Find more weeknight dinner recipes at Pillsbury.comYou can buy a car from Vroom entirely online. So, next time you need to buy a car, just grab your phone, go to Vroom.com, and check out thousands of carsHero Bread is offering a special 10% off your first order with the code GOODGUYS at Hero.coGo to dreamlandbabyco.com and enter my code GOODGUYS at check out to receive 20% off site wide + free shippingGet 50% off your first month + FREE shipping on ANY crate line at kiwico.com/goodguysProduced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bernard Hickey talks with CoGo founder Ben Gleisner about the potential to use bank data on spending to help businesses and consumers monitor and tweak their climate emissions. Gleisner talks about Aotearoa's rocky and long pathway to open banking and the options for a type of ‘nudge' economy towards decarbonisation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Heather Dreves is the Director of Funding at Secured Investment Corp. She is a tenured employee that has worked in the Private Money Industry for over 15 years and held her series 63 license. Heather has been directly involved in the sale of over 100 million dollars in Trust Deed Mortgages and raised over 30 million in Secured Investment Corps High Yield Equity Funds. She has had experience in assisting underwriting, managing the Cogo and Servicing team in addition to Investor Relations.   Heathers Website https://securedinvestmentcorp.com/  

This week Oliver interviews Robin Eriksson from Cogo app which is the largest shared micromobility aggregator in Europe. Horace and Oliver have long had a theory that the world of micromobility will mature to be more like the public transport or airline industry over time. So it's no surprise to us to see the rise of Cogo, which allows for discovery to be handled in a single app for all micromobility providers in a city. We were excited to hear that they've recently added payments, and so wanted to have them on to run through their growth and where they think the marketplace for mobility is going. We really enjoyed this conversation with Robin - he's super smart and has clearly navigated through the challenges to build a product that we're really excited to use when next in Europe. Specifically they tackle: The origins of Cogo with Robin's background in flight aggregators The rise of shared micromobility services and the use cases for having all mobility options in an app. The maturation of the shared micro business model and why now is the time for aggregation to occur Facilitating payments in the app, and regulatory barriers/opportunities for growth Who Robin sees as competition in this space Learn more about Cogo App on their website. Catch us on Twitter @MicromobilityCo. Horace and Oliver are also active on their personal accounts and would love to hear from you. Our newsletter is completely free, and you can subscribe to have it in your inbox every Tuesday morning here! And for those who want more, we offer our Micromobility membership (mmm — “Triple M”) which includes exclusive content, swag, and conference discounts, as well as live calls with Horace and team! We're also on LinkedIn and Instagram.

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!We held a vision night in our home in January 2022 and had everyone write themselves a lated dated a year from that day, as if they were the January 2023 versions of themselves in the present tense. It was a very powerful experience and we collected everyones letters so we could mail them to them to receive a year later. Well, that day is upon us and we're mailing out the letters to 25 individuals. We felt, wow what a great exercise for us and for Getting Magnetic listeners!Tune in to check out the details!Timestamps: [2:11] Questions about your ideal home. [5:02] Writing a letter to our future self. [7:47] Who is your future self? [9:33] Who do you trust to give that letter to? [12:24] Who is Sandy a year from now? [17:31] Who is Wade a year from now? [19:57] "Vision is the art of seeing what is invisible to others." --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Getting Magnetic is re-branding to Getting Magnetic: The Love & Business Podcast, where we'll focus on growing in love and in business, from a wholistic standpoint where they go in unison together.On today's episode Sandy & Wade chat how they set a vision and goals for 2023 and leave you feeling open, feeling connected, feeling untethered to burdens in your life and with a blueprint to set goals for 2023 and beyond.You'll also discover the podcast now has three segments: An A, B and C block. The A block is the beginning where Sandy & Wade will connect on something to deepen their relationship, and something you can bring back to a relationship ship of your own and discuss. A B block which will be the main content of the episode and a C block which will be a business tip, a quote or some call to action on the business front.A-Block rapid fire relationship questions you can do with a spouse, friend, anyone:Would you rather….Have a really nice car, or really nice house?Live close to your family, or close to your friends?Have a big house, or a big yard?Live in the city, or in the country?Have easy access to the mountains, or the ocean?Learn to ski or learn to surf?Have an impressive title at work or a 3 day work week?Be more confident or more charismatic?Take more risks or have a solid plan for the future?Be more active or be more intentional?C-block business call to action: Declare your goals to someone who will hold you accountable and extra credit it declare them publicly online!The Elevated Man Retreat!!!MEN - if you live in Southern California, or can get there on Saturday, January 7th, I (Wade) am hosting a one day, all immersive men's retreat. Full of connection, camaraderie, competition, coaching and overall growth. It's going to be an EPIC day and I want you to be a part of it. Make the decision to join us. You won't regret it. Sign Up Here!Women - get your man to this retreat! He will come back changed. In the best way.Network Marketers - it's time to start thinking about 2023. Grab THE BEST tool for network marketers to get organized, plan, achieve and level up in their business - the first 12-month planner designed specifically for network marketers! Grab your journal here Timestamps: [1:46] The rebranded podcast. [3:43] A block - questions to ask a partner. [9:24] January is vision month. [10:43] How Sandy thinks about vision. [17:22] Receiving more and doing less. [23:53] What needs to be untethered? [27:21] How Wade thinks about vision. [35:33] Wade's top three goals. [37:20] Sandy's top three goals (as of now). [39:29] Declare your goals. --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!On today's episode we interviewed a mentor of ours, Bob Heilig. You might know him as Your Virtual Upline, as he has a podcast by that name that we've been listening to for years.The best thing about Bob is he has a vastly different approach to the network marketing profession and how to grow a thriving, sustainable business. It's through his love, serve, grow methodology in which he completely shifts the approach to outward focused and emphasizing transformational over transactional behavior, mindset and conversations.This episode will inspire you through stories, through methodology and strategy and will leave you feeling ready to grow your network marketing business in an aligned way.Connect further with Bob:Your Virtual Upline PodcastInstagramAbout BobBob is the founder of Your Virtual Upline, a leadership development company for network marketing & direct sales professionals. His mission is to help elevate and transform the network marketing profession through his podcast, paid programs, and free trainings. His philosophy "Legacy Leadership" teaches people the power of putting faith, love, service, and giving at the center of their business, and using the vehicle of network marketing to make a positive impact in the lives of others. His motto is, "Don't just create a bigger downline, let's build a better world in the process."The Elevated Man Retreat!!!MEN - if you live in Southern California, or can get there on Saturday, January 7th, I (Wade) am hosting a one day, all immersive men's retreat. Full of connection, camaraderie, competition, coaching and overall growth. It's going to be an EPIC day and I want you to be a part of it. Make the decision to join us. You won't regret it. Sign Up Here!Women - get your man to this retreat! He will come back changed. In the best way.Timestamps: [4:09] Bob's background. [9:45] Getting to now. [15:16] Being yourself and being aligned in your business. [22:42] Your Virtual Upline and utilizing social media. [27:28] Where Bob sees network marketing in the future.  [33:33] Transactional vs transformative interactions.  [44:09] How to connect with Bob. [45:09] What "getting magnetic" means to Bob.  --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

On today's episode Wade sits down with Colten Echave, a 7-figure earner in network marketing to talk about network marketing as a business model, the upside potential, and Colten's 10 year journey in the industry which has led him to become a 7 figure earner and leader in the industry, speaking on some of the biggest stages and helping other people build thriving businesses themselves. Today's episode isn't about little "side hustles" it's about going BIG in this industry. Connect with Colten further on instagram:https://www.instagram.com/colten.echave/?hl=enTimestamps: [3:21] Colten getting into network marketing. [8:02] How being an athlete helped in network marketing. [10:13] Where did your entrepreneurship begin? [13:57] Beginning struggle and failures. [22:37] Were you successful right away? [30:07] Making the first 6 figures. [47:00] Empowering others with network marketing. [52:25] How has your business changed since you started? [57:43] Empower someone to get into network marketing. --Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Read that title again! We heard someone say, if you aren't embarrassed by your first product, or by when you started, you didn't start fast enough.Whether you're brand new in your business, or not, the goal is to act imperfectly. Start messy. You learn the most by action. By doing. It's easy to plan to do things, to dream about them, even to set the goals. The action is where the magic happens.Start messy. Act messy. Refine as you go!A true tale of an entrepreneur: starting messy!The Elevated Man Retreat!!!MEN - if you live in Southern California, or can get there on Saturday, January 7th, I (Wade) am hosting a one day, all immersive men's retreat. Full of connection, camaraderie, competition, coaching and overall growth. It's going to be an EPIC day and I want you to be a part of it. Make the decision to join us. You won't regret it. Sign Up Here!Women - get your man to this retreat! He will come back changed. In the best way.Network Marketers - it's time to start thinking about 2023. Grab THE BEST tool for network marketers to get organized, plan, achieve and level up in their business - the first 12-month planner designed specifically for network marketers! Grab your journal here Timestamps: [1:31] You should be embarrassed by your first attempt. [5:01] Wade's growth. [7:17] Sandy's growth in network marketing. [12:10] Reach out with your VOICE. --Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Men's Retreat90 Day HabitsTimestamps: [1:05] The last Friday episode. [5:02] A podcaster vs someone with a podcast. [6:07] Getting clarity - what boundaries do you need to set? --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Influence is a big part of becoming successful in network marketing. Some people start with more influence then others in the most impactful areas, but the key is developing your influence to become successful. Let's say you have a health and wellness network marketing opportunity, where is your influence lie in health and in business? That's what you have to offer, right? Health and wellness and a business opportunity. Are people going to trust you and join you if you aren't working towards being healthy yourself? Or if you aren't developing as a business person? Or as a leader? People are going to join you when they trust you in those areas. When they trust that you can help get them the results they're after.How to build your influence? Walk the walk. Be healthy, develop the healthy habits, show up for your business, be in the marketplace, put yourself out there, read the books, be at the meetings, go to the events and conferences. When people start to see you transform, they will be captivated, even if they don't say so. Develop your influence and never stop developing.Where do you need to develop your influence more?Timestamps: [0:49] Let's talk influence. [3:27] The importance of sharing your journey. [5:50] Keep developing.  [6:49] Build your business for YOU. --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

Crypto is either going to zero or going to the moon. Your investment mindset should be that of, whatever I invest in crypto, I am OK losing. I will not lose sleep over it and it will not change my life, and I understand it could very well go much higher than it is. Listen to this episode for more behind the FTX crypto exchange filing for bankruptcy and how to think about crypto moving forward.Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Timestamps: [0:39] FTX going bankrupt and the crypto craze. [3:24] Wealth depends on your financial literacy. [5:45] Be okay losing what you put into it.  --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/Check out Big Dad Energy Co!

In this episode of the Untitled Pittsburgh Sports Betting Podcast, Tad Wissel & Jon Bindley look back at the Steelers victory over the Colts and how they almost jinxed it. They also examine the mysterious disappearance of the CoGo's Pepperoni Rolls and look ahead to the game in Atlanta.  Recorded at Liveburgh studio.

Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!In entrepreneurship, especially in network marketing, your story is your secret weapon. It's what will enroll people into your business as clients and teammates, because people aren't buying your product or the compensation plan, they're buying into you. If they join you, it's because they believe you can help them, either through the products, or through the business, or both.So it's time to really master YOUR story and share it with the world!Key elements to your story:1) Make it AUTHENTIC. It's easy yo be you. It's really hard to be someone else. People want authenticity,2) Make it PASSION filled. People need to know you're passionate about what you have to offer.3) Be VULNERABLE. People won't join because of the glitz and the glam, people will join because they know and maybe can relate to your struggles. The best success stories have struggles, which are the most compelling parts of the story!4) Make it RELATABLE. Being impressive is cool, but being inspiring is where the magic lies. People need to hear your story and feel like they can do it too.5) Be a VISIONARY. Your vision needs to be big enough for your prospects vision to fit inside of it.Our challenge to you is to develop and share your story, on social media and with people you meet and want to offer your opportunity to!Timestamps: [0:58] Your story is what pulls people in. [4:41] Don't compare your story to others'. [6:55] There is strength in vulnerability. [10:51] "If they can do it, why can't I?" [12:33] How Sandy would share her story. --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/

Wade is launching a brand today called BIG DAD ENERGY! The brand is a Men's, and specifically Dad's empowerment brand which will start as a brand to empower Dad's to wear their pride with Big Dad Energy apparel but Big Dad Energy will ultimately build community, put on retreats, online masterminds and coaching. Big Dad Energy core values are Health, Wealth and Love. Listen to the episode to find out more!Check out the DOPE Big Dad Energy merchandise at www.bigdadenergy.coGo give @bigdadenergyco a follow on instagram!!Timestamps: [0:58] Introducing Big Dad Energy. [4:30] What is Big Dad Energy? [8:50] Health, wealth, and love. --Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/

As you listen to this ep, gabrus and guests Mano Agapion, Nicole Byer, Mike Mitchell, Betsy Sodaro, and Nick Wiger are sleeping off their hangovers. So crack open a beer, or don't, either way, have a great Thanksgiving!Check out gabrus' other podcast, (Action Boyz.)Want some gross visuals to match the nasty audio? Hit this link for the next week to watch the stream. Shout out to Schedule35 & Athletic Greens for sponsoring this episode.Get 15% Off with code MIGHTY at Schedule35.coGo to athleticgreens.com/MIGHTY for a free 1 year supply of immune-supporting Vitamin D a 5 free travel packs with your first purchase.Advertise on High & Mighty via Gumball.fm.See omnystudio.com/listener for privacy information.

We've talked a lot on this podcast about the growing consumer awareness around climate change. Considering the scale of the problem, a lot of us feel like we're not doing enough, but also that there's only so much we can do. It's hard to know even where to start as a person, and it gets even harder at company or government level. But we are learning, and one of the biggest lessons that I think will define this decade is how our financial choices impact the planet. We choose to shop at a particular store, we choose to buy from a certain brand and we choose to eat what we eat. Same goes for the financial system – banks and financial institutions choose who to lend to, and they choose which sectors warrant investments. Studies show that when it comes to their bank, consumers do care about alignment with personal values – it was the second-most prized service by bank customers, right after higher interest rates on savings accounts. The majority of people want to know more about the environmental impact of how they spend their money and want their banks to help them take action and reduce their environmental impact. Moreover, consumers also want their banks to decarbonize, considering the financial support they've given over the past decades to the fossil fuel industry, for example. But in order to make the right choices - that is, the choices with the least negative impact on the planet - we need information, we need tools. This means data and technology at scale. I'm talking about this today with my guest Emma Kisby, UK & Europe CEO of Cogo - a company that provides carbon footprint management products that enable individuals and businesses to measure, reduce and offset their impact on the climate. There's lots to cover, so let's dive right in. To read the transcript of our conversation, click here: https://tearsheet.co/the-green-finance-podcast/the-green-finance-podcast-ep-10-tangible-steps-banks-can-take-to-help-their-customers-lower-their-carbon-footprint/

Guillaume Kendall is the Founder of Zedosh and Attention Exchange, which is working to build a safe place for advertisers, publishers, and consumers to all benefit from fair access to human attention. Chad talks with Guillaume about open banking, changing up who the beneficiaries of consumer attention and data are, and giving companies opportunities to advertise without interrupting consumers with ads. Zedosh (https://zedosh.com/) The Attention Exchange (https://attentionexchange.co.uk/) Follow The Attention Exchange on Twitter (https://twitter.com/attnexchange) or LinkedIn (https://www.linkedin.com/company/the-attention-exchange/). Follow Guillaume on LinkedIn (https://www.linkedin.com/in/guillaumekendall/). Follow thoughtbot on Twitter (https://twitter.com/thoughtbot) or LinkedIn (https://www.linkedin.com/company/150727/). Become a Sponsor (https://thoughtbot.com/sponsorship) of Giant Robots! Transcript: CHAD: This is The Giant Robots Smashing Into Other Giant Robots Podcast, where we explore the design, development, and business of great products. I'm your host, Chad Pytel. And with me today is Guillaume Kendall, the Founder of Zedosh and the Attention Exchange, which is working to build a safe place for advertisers, publishers, and consumers to all benefit from fair access to human attention. Guillaume, thank you for joining me. GUILLAUME: Thank you so much for having me. It's a real privilege. CHAD: If I'm not mistaken, you and I first met in person for lunch one time in London when I was visiting London in; I think it was...I went back and looked at my calendar. It was March 10th, 2020, if I'm not mistaken, either that or it was that Friday of that week. GUILLAUME: It must have been one of the last weeks pre-pandemic. CHAD: It was. I literally woke up on Saturday morning for my flight to come back to the U.S. to the headlines that all flights from Europe were being shut down. [laughs] And I almost dropped my phone until I realized, oh, that's the headline, but the real detail is I can get back. It's all the rest of Europe, not the UK, yet. That was the following week. I made it home, and then the world changed. GUILLAUME: I sure did, didn't it? [laughs] It's funny, isn't it? Because the two-year period in between seems to have flown by. It feels like just yesterday. I remember I think, even what I ate. CHAD: [laughs] And at the time, you were working on a new application, and we were talking about that. But I want to fast forward a little bit to today. Tell me more about Attention Exchange, and then we're going to rewind a bit to how you've arrived. GUILLAUME: So the Attention Exchange...by way of background, I come from the fintech space rather than adtech. And it really, ultimately, the Attention Exchange is a matching engine, using financial terms, that matches the right video content to the right consumer based on their spending data rather than their browsing data. So it's a matching engine. And it looks at rules that ultimately we're able to derive, or actually, I better use the phrase, we can bridge the gap between attention and intention based on our audience's spending patterns. And the reason we can access those is because they give us explicit permission. We have something called open banking here in the UK. It's actually across most of Europe now. But it enables the consumer to own their data and share it outside the bank if they so wish to with other regulated third parties. So we're such a regulated third party, and they share that data with us, as I said, to be matched with video content from brands that are relevant to their spending instead of their browsing. What it ultimately means is we're very well-positioned in this apparent post-cookie world that seems to be heading our way eventually because we don't rely on any other tracking technology to spy on our audience. They voluntarily give it to us. And I guess the kicker which is...people are probably asking themselves, why would they do that? That's because they get paid. So we put cash directly into the bank account or one of the bank accounts they've connected to our platform in exchange for their immutably valuable attention to that content. CHAD: So correct me if I'm wrong, but I feel like open banking has had a significant impact not only on the data sharing that you're describing but just on the banking ecosystem in general in the United Kingdom and now Europe. GUILLAUME: So I think if you were to speak to the purveyors of open banking, it hasn't had as big an impact as they felt it would have had. I think we reached earlier this year only to fact-check this, but about 6 million people in the UK now utilize open banking in one form or another. But I think what was very interesting is that the ecosystem that sprung up around it was mostly around changing the user experience for the end consumer to have a better handle on their financial health, which is a really important topic. And the reason that is is that before, it wasn't really in the bank's interests to tell you if you're about to hit your overdraft or go over your overdraft because they'd charge you an extra 20 pounds for an unplanned loan, and then you'd have to pay it. Your balances (This is going back a little. I'm showing my age. ) was always two or three days out of date, which was weird. So open banking; the first thing that sprung up around it is we'll connect your bank accounts. We'll give you this holistic view of your mortgages, your credit, your debit, your net worth really across various assets. And we've moved progressively towards more of open finance rather than just open banking. You can connect via APIs a lot of your financial identity to these open banking providers. But having said that, no one has looked at it in the way that we have, which is actually this is an advertising play, and it could be potentially a real change maker in the way that consumers benefit from this $400 billion industry which is advertising rather than all the fintech stuff that's been happening around open banking. But yes, so it's not to be sniffed at, you know, several million people are using open banking. But most people, I don't even think, realize they're using open banking. They open the Revolut app, and it says, "Do you want to see your Monzo balance inside our app?" You say, "Well, yeah, okay, that means I don't have to open Monzo." And lo and behold, you share that data. CHAD: Right. Yeah, that's a really good perspective. I think from my perspective; I was thinking it's sort of made it...there's a separation between the banking backends and the user experience, and I think that in part has given rise to these challenger banks and made it more possible for them to do that. GUILLAUME: Yeah, that's a very fair point. I think, certainly, if nothing else, it certainly forced the incumbent players, those that have been around for a few hundred years, to really buckle up their ideas and think about how to react to this new threat. At first, they thought, geez, open banking is going to cause us all sorts of problems, but I think as it's gone full circle. You find that, actually, most people are looking for that user experience, and the banks have been forced to provide it within their existing ecosystem. So now, most banking apps provide really super UI or UX, meaning that you don't have to go use third-party tools to get such a lens. And in fact, the most interesting one I've seen of late, which I think is definitely worth a mention, is a company called Cogo; and Cogo used open banking to carbon score your spending and let you offset it. So if you spent four pounds at McDonald's, it would guess that that's X kilos of carbon and give you several options to offset it. And actually, in the end, NatWest formed a partnership with them. This is a classic use case where actually, now the carbons offseter is available within that NatWest app, and you don't really have any idea it's Cogo. That's what you're seeing is ironically, those who have had success in innovative, exciting use cases have been pulled back into the ecosystem being offered because they still want the scale overnight. They had access to 8 million NatWest customers or whatever the number is. So, yes, I think; certainly, all banking apps have had to, even the banks themselves, have had to reorganize and rethink how they deliver technology to retail consumers who probably had had very little churn in the past because the options were very limited. CHAD: That's great. So tell me about the genesis for this idea and realizing that you could use open banking to view people's financial information and to develop a profile that could be used to opt into advertising. Where's the genesis of that idea for you? GUILLAUME: Sure. So actually, several threads came together very neatly in quite a tight timescale, the first of which is I spent a lot of money, relatively speaking, on a company called Patch Plants. And Patch Plants deliver plants to your house, [laughter] and they have quite a nice way to go about it. All the plants have got human names, and they come with little booklets about how to look after them. And I felt very positive about the relationship I felt I had with Patch Plants until for the three, maybe four months following that purchase, there wasn't a website, or a social feed that I was on that didn't have Patch Plants all over it. And I really took note of my sentiment towards them [laughs] where I thought, go away, Patch Plants. I'm a customer. Why don't you know better? With the amount of data that we provide to the web, you just assume...and maybe this is where it all starts to click into place that actually, it's not that smart. CHAD: The interesting thing is I think it is possible for companies to on target you once they decide to do it, but it seems like nobody does that. [laughs] And it's like, I've just bought a stove. Why am I seeing stoves all over the place? [laughs] I'm not going to buy another one. GUILLAUME: Yeah, again, I think it comes from the underlying infrastructure, which is basically this concept of cookies, which we accept on every single website before we can do anything with it. And you've probably got a number of unchecked-out stoves across the web. And it's not locking on to the fact you've got one checked-out stove. But of course, we're connected to the bank account. And so when we see that transaction, we see the counterparties. We know for a fact that that person has made that transaction with that vendor, and therefore, you probably need to change the message. And that goes from daily purchases right through to the massive, heavy items we can see when people started a car leasing agreement. Well, if you want to get them to think about considering your brand of vehicle in two or three years or three or four years, there's probably a journey that you should take that person on. But then again, once they've made the purchase, don't keep hassling them. So that's the first thing. If you saw my bank account...so I worked with open banking innovation [laughs]. I guess that's pretty important. CHAD: [laughs] GUILLAUME: So I was acutely aware of how the data could be shared and analyzed, so that's the first point. And then, pretty much at the same time, Netflix brought out this documentary, The Social Dilemma, really putting across that these social media applications were basically designed, maybe it's not a surprise, but pretty much as gambling apps. They're exceptionally addictive. And the reason they're addictive is because the longer you spend on them, the more advertising they can slide into; now, I think one in every four posts. And now that we've moved on to short-form video content, there's infinite scroll. We're all on these apps for hours a day. But the only way they generate revenues is through advertising, and the only way they get advertising is by you spending more time. And it sort of didn't sit too well with me, especially after we had the Euro Championship in football or soccer here. And there was a ton of racist abuse that went out to players across social media. Lots of brands and advertisers started pulling away from it for a very short period of time to express their protest. But I realized then that, actually, there is no alternative. If you want to attract attention, you have to fund social media or Google, and that's kind of it. Those are your options as a brand or an advertiser. And the former being social media is really not a very healthy place to spend time. Sure, some good comes out of it. But I would argue that the bad that comes out of it far outweighs any of the good that's come from social media, certainly in the last five years or so, I believe. It's at the center of some major divisions in our communities. But it's all funded through advertising revenue. So that was the second point is that there really is no alternative. And why should Mark Zuckerberg be the beneficiary of my attention, my data, my value whilst putting absolutely no effort in changing or being an arbiter of the content? They're keeping their hands up saying, hey, we're not a publisher. If that content is there, it's there. And it becomes a very complicated argument very quickly around free speech and all of this sort of stuff. But ultimately, there's a ton of really nasty stuff. And then we had a family friend, specifically, who really put herself in a lot of danger, a young girl. And that was a very real impact on human life close to us that was all driven from what she was able to access with alarming ease via Instagram. So those sorts of threads all came together. And then the more sort of...it's one of those things, right? Once you see a yellow car, you're looking out for a yellow car. You keep seeing them. But I don't think I was proactively looking out for it too much. But it seemed that every day almost, there was a new-new story in the front pages of the papers where Facebook was in some sort of trouble, and that obviously materialized last year with the Facebook leaks. And everything we've been just discussing now they've known about. They know about it. They're choosing not to make a difference. So we had a really powerful motivation to try and bring about a different mechanism for this $400 billion industry to operate. And rather than exploit our data, exploit our mental well-being, exploit our communities and everything else in order to drive advertising revenue, maybe the advertiser could have a more direct relationship, a fair and more transparent relationship with the consumer with whom they want a dialogue. And I think it's been the biggest learning curve for us is that brands and advertisers feel weird about paying consumers to pay attention. But we're saying we think it is weirder that you pay Google and Facebook to track these people all over the web and interrupt them everywhere they don't want to be spoken to. Why not just pay them to have a fair, transparent dialogue? I know you have money. I know you spend it with my competitors who are in my market. I want your attention, and this is what I have to tell you. There we go. So that was the sort of the kernel, the genesis. CHAD: I can totally see why advertisers are...scared is not the right word. Just, you know, it's just they've never had a relationship where they're paying the consumer directly for any kind of advertising that they do [chuckles] whether it be TV historically. There's always an intermediary. And the idea of paying people directly is not only different, but in some ways, I can imagine people view it as crude. Like, it's one thing if it's going through an intermediary and you're paying them, and advertising is being run, but it's another to just pay someone to pay attention to you. GUILLAUME: Yeah, but I think this is the point about the open banking. I completely agree with you; if you're paying somebody based on their cookies or any of the other data, the first-party data or third-party data, that's abstracted several layers from that pair of eyeballs that you know has a tendency to buy X on Y time horizon. That's never been possible before. And so through your television, it's scale. You're paying the broadcaster because they've got 3 million people watching Coronation Street on, I don't know, whatever. But it's always based on these tiny, tiny fractions of engagement, and that's always been the way it is. So you need the intermediary for scale. But I think what I'm hoping, what I've literally bet my house on [laughter], that's one thing that's going to change. I sold my house since we started to do this. All those marketplaces are completely saturated, and they are not getting less busy; they're getting more busy. And so okay, TikToks appeared, but the medium through which video content is provided to the consumer, you're lucky to get a quarter of a second or half a second with that person. And so you're right, but what is now the alternative to actually getting a minute, a minute and a half, two minutes with somebody where they're not skipping; they're not going past? You know they're a real person. You know they're human. All of our consumers have to have a bank account. They have to have transactions, and they have to have an income in order to be valuable and receive any adverts into their feed. So it's just never been possible before. The scale play, the intermediary, was always sort of, I think, accepted, and it still is today. There's going to be a bunch of fraud. I think there's like 15 cents in every dollar spent online digitally for advertising is lost. I think it's a $100 billion problem by next year. So I guess the point I'm making is the intermediaries historically and to today have existed because you need to reach millions of eyeballs in order to get a very low interaction rate. With our model, we're able to target thousands of people and achieve a 19.6% average click-through rate even after a minute and a half worth of content because they're engaged and you're not interrupting them. So we think it's a relatively elegant model for what is a saturated, noisy world where eventually also the very mechanism by which they do track and target you is going to be replaced at some stage by Google and Chrome. Mid-Roll Ad: When starting a new project, we understand that you want to make the right choices in technology, features, and investment but that you don't have all year to do extended research. In just a few weeks, thoughtbot's Discovery Sprints deliver a user-centered product journey, a clickable prototype or Proof of Concept, and key market insights from focused user research. We'll help you to identify the primary user flow, decide which framework should be used to bring it to life, and set a firm estimate on future development efforts. Maximize impact and minimize risk with a validated roadmap for your new product. Get started at: tbot.io/sprint. CHAD: You have this idea. It's really challenging the status quo. You're working in open banking innovation at the time. What did you start to do then, to try to bring your idea to life? GUILLAUME: So the first thing was actually my background is in sales and business development but within the fintech and open banking space. So I've worked with a lot of very smart people. And the first thing I really needed to do was quickly validate whether or not this is something. So a guy that we brought on...he's not so much a co-founder, but the other director of the business is a guy called Matt McBride, who's this global head of UX at a company I used to work for. And that was really the first thing is to try and rapidly prototype what the experience would look like and ultimately go out to our target audience, which was Gen Z here in the UK, and ask them whether or not this is the sort of thing they'd engage with. And the responses were actually really very positive. "Hang on; you're going to pay me to watch ads that are relevant to me? No-brainer, please do." And then, we were able to raise 100 grand, 150 grand, which enabled us to take that prototype and build it into something that, after a few obstacles with Apple in the App Store, we were able to get live. So that was really the first thing, I guess is, figuring out the way and the people that I needed to help me out to take this idea into something tangible and then tested it before I went much further with it. I was very fortunate, or I am very fortunate, that my partner is a corporate lawyer; my wife, sorry, now; we've been married since we started. [laughs] And so, actually, the mechanism through which we were able to raise the really earliest funds meant that we didn't have to give very much of the business away at such an early stage, which I think was a key learning point that I certainly share with other founders is you don't have to go give away 25% of your business for a little bit of money just to get it off PowerPoint. There are other ways. CHAD: So I think I remember what I told you when we met and talked. Do you remember what it was? GUILLAUME: You shared lots of very valuable insights with me. CHAD: My memory is that at the time, it was only advertisements in the app. And I think I said, "I get that people are going to want to be paid to look at these things." GUILLAUME: Oh yes, right. CHAD: "But if there's nothing else here, it's going to be really hard to bring people back to do that." And we had seen that in another client of ours that was paying people to browse. And what they'd do is they do it for a while, and they'd hit whatever monthly cap of return that they could get, an amount that they thought made sense. And then, they would switch back to their other browser because it was a better browsing experience. So they were only using it because they were getting paid. And as soon as that incentive went away, they would stop using it. GUILLAUME: Yeah, so I remember that. And you were right. And I guess there are a few things that came about from that, so the first thing is that Apple agreed. So we couldn't get the app onto the App Store if it was just a feed of adverts that remunerated the user to watch them, incentivized the user. So we put quite a lot of additional features, I guess more traditional fintech features, open banking features within the application in order to give the user insights into their spending, week-on-week analysis, and categorization of spend. And we also built this what we call the level up section where every week, you get refreshed pieces of content around, you know, very Gen Z-focused again, but what's the difference between a credit card and a loan? Is buy now, pay later a good idea? What's open banking? So we generate all this content, which they don't get paid to consume but is there, and they do. But more importantly, I think what we realized is that actually what we've got...this is the difference, I guess, between the Attention Exchange and Zedosh being the app; it's the plumbing and the matching that is the real value here. It is the models we're building that understand people's behavior and propensity or intent to buy something based on the data they're sharing with us. And so, actually, what we've built is a solution where you should be able to log in to any publisher that has the additional content, and experience, and value that you're speaking about there, places you ordinarily already browse and frequent. But if you want to, there's a separate tab where there are ads waiting for you that remunerate you, but you go into that tab. So we're trying to remove the interruption, you know, the pop-up even having to accept cookies from your user experience with the publisher moving into a separate, dedicated tab. And the reason the consumer is still going to go click on that tab is because they know that there's some content that's relevant and pays them, but they're still able to enjoy all the other benefits that the publisher provides. So it's kind of weirdly trying to flip this premium subscription model where you pay not to have ads. Actually, you're the first recipient of the ad income, and you share that with the publisher. CHAD: I think this is really cool, and yet I think it also rubs up against or hits up against something that is just so different than the status quo. The idea that companies would not interrupt you with advertising is probably so foreign [laughs] to people that I imagine you get reluctance to that. GUILLAUME: The last two years have been a steeper learning curve for us and all the advertisers and agencies, and players we've been speaking to. But what I'm grateful for is the fact that what we term the ad-pocalypse is coming. And so I was just at an event called MAD//Fest last week, which is basically all the advertising industry got together in London, the UK advertising industry. And every single panel discussion talk was about the post-cookie era. And all that most people are speaking about is how do we gather more data in other ways from the consumer in order to keep doing more of the same? And all of a sudden, when we're talking about the fact that our users give us their banking transactions, we see how much they earn and where they spend it and, therefore, can also attribute without the use of cookies, which is the holy grail of advertising. We started generating an awful lot of interest from really big players. So I think you're right; the status quo is having the rug pulled from underneath them, right? Look at Meta's share price this year. I haven't checked it this week, but last time I checked, it was down 52%. And that's because iOS app tracking transparency is stopping the ability to track and monitor and, increasingly, ultimately, the ability for the user to remain more private. And they all are doing it. Why would they want to be less private in order to benefit Meta? In our platform, they're opting into their most intimate data being shared because they stand to be rewarded fairly for it. So I completely agree; up to this point, "What? No way." This is how it works. And certainly, the thing that will probably remain true is to do more with less isn't of interest because agencies get paid a percentage of the budget. They don't want to do [laughs] the same with less budget. But my point remains that with iOS app tracking transparency...apparently, Android is going the same way, and Chrome is replacing third-party cookies. The status quo simply cannot continue. Something has to change. And so I think with this identity solution often is what we're building. The consumer stands a chance of being the first in line to receive a reward for their attention. And I'm very pleased actually we've got some competition as well since we last spoke, which is new. But this concept of rewarding consumers for attention, I think, will just...how else are you going to get their time? They're not listening to you on TikTok. [laughs] CHAD: I'm happy to hear that you're viewing competition as a positive thing. And I agree competition raises awareness that this is a thing and a potential, and most people will shop around or research it further. And that's a chance for them to discover you. GUILLAUME: I hope so. This company has done a big advertising campaign all over. It's on TV, radio, and the underground in London. And the amount of people who've reached out to me... "Is this company doing what you're doing?" And ultimately, they're paying users in a way for their attention to advertising. But they don't use open banking, and they don't have the data that we have. CHAD: That's an important distinction. One of the things that I've seen our clients worry about...and I saw it happen to one. Even though lots of people worry about it, I've only ever seen it happen one time, but it's still a risk, and that is when competitors come along. And unbeknownst to you, they dramatically over raise and therefore are just able to flood the market, saturate the attention, and build way bigger and faster at a loss than you are willing to do. GUILLAUME: Yeah, or able to do. [laughs] CHAD: Or able to do, right? Because they've raised 500 million [chuckles] or something like that. That's what happened with our client, who was in the group buying space at the same time as Groupon and LivingSocial. And so that's the only time I've ever seen it happen, but it's something that people are worried about. How are you...is that something on your mind? GUILLAUME: It's interesting. So they've raised 15 million Series A, and they've been around since 2012. So they've been around a long time. And it almost feels like they... [laughs] I'm not saying they did, but it almost feels like they landed on my LinkedIn. And we're very anti-social media. The message is really strong on anti-social media. But ultimately, they built an app. And so I think we've already matured past the point that in terms of our scaling and our ability to integrate with any platform, our strategy already goes beyond competing on a direct basis of an app that serves ads. In fact, if anything, at some stage, I'm hoping that they could plug into our engine and our pipes and add an extra layer of data and personalization to the adverts that they serve. So ultimately, when they came, and it was during the Champions League final that they had their first big launch because one of the backers is a football player, my phone just went berserk. Because it was like, wait, what? And at first, I was a bit worried but ultimately, no. I only really, really see it as a positive at this stage. But obviously, yes, they can advertise. They can speak to brands. They've got much more market presence. Everywhere you go on the underground, there are those posters. But we have a very clear, distinct proposition that is quite different. As I said, really, this pulling apart what Zedosh is and what the Attention Exchange is; the Attention Exchange is really potentially the plumbing, the rails for this post-cookie advertising model. CHAD: So that being said, you are doing some fundraising now. That's right? GUILLAUME: Yes. In fact, I don't think I've stopped fundraising [laughter] since this started. And certainly, that wasn't something I was anticipating despite the fact that...I mentioned I'm married to a corporate lawyer. She told me, "Your role as a CEO, as a founder, you're just going to be fundraising." I thought, yeah, well, I'll get some money in, and then we can focus on doing the stuff. But every time money comes in, most often you sort of have already spent it. It's allocated; it's gone. You need to look for the next lot. But yes, we are fundraising. Currently, we're still focused majoritively on angels. We're looking to prove our scalability model with this existing raise, at which point I think we'll be ready and looking for institutional funds. But we use something called EIS funding which is UK-specific but is so, so rewarding for UK taxpayers. Basically, they get 30% back off the tax amount of their tax return, which is a great incentive, and all the gains from the equity is free of capital gains tax as well. So it almost becomes a no-brainer for people who have money that they're looking to invest in early-stage risky businesses. They're already really risking. The capital risk is under 50% of what they put in because there's also an insurance element; if the company goes bust that you've invested, there's something called loss relief. CHAD: So it's really attractive to angel-level investors. GUILLAUME: Correct. So you have to be a UK taxpayer as an individual to benefit from this specific relief. Of course, I mean, we have had some non-UK people still invest through the same sort of advanced subscription agreement. But yes, it's very attractive for UK taxpayers. CHAD: And do you think...[laughs] you've already answered this question. But I guess when do you think you'll stop fundraising? GUILLAUME: We're looking to change the way the internet works. [laughter] CHAD: Right. GUILLAUME: And so if we're mildly successful even redistributing the 100 billion of ad fraud which is currently being lost out there, we're entering a very cash-rich market looking for solutions at this moment in time. So if we're to raise some cash that enables us to put in place the plumbing and the pipes that we're looking to connect to, then actually, we should be relatively profitable relatively quickly, at which point, I guess we'd no longer need to fundraise. But at which point we'd probably say, "Well, actually, the U.S. is now ready for this. Let's go." CHAD: [laughs] GUILLAUME: I don't think we're particularly a cash-thirsty business. It's all built on AWS. CHAD: And you're right. That's why I asked the question because if your model is working, if you're having the impact you want, there's a lot of money in advertising. And so you should get to the point where you're able to do that profitably. GUILLAUME: Absolutely. CHAD: And start being as big as Google, right? [laughs] GUILLAUME: Yeah. I read a book called Life After Google. I don't know if I shared that with you the last time we met. But it's weird. It was written five or six years ago, but it's coming true. I think this whole premise of Web3, and this decentralization of data, and the ownership of data, the profiting of data at the individual level, is coming to the fore. And I can think of no better way to bridge your value and identity online than having it connected to your real-world assets, income, and spending behavior. CHAD: I was wondering whether you are going to mention Web3. [laughs] GUILLAUME: Huh. CHAD: Because this decentralization of the advertising money directly to users is a very Web3 idea. GUILLAUME: I agree. CHAD: [laughs] So how much do you talk about Web3 in your pitch or when you're talking about it? It hasn't come up until now in this conversation, so maybe not so much. GUILLAUME: It's a double-edged sword, I feel, because I think most people think Web3. They think crypto. CHAD: Yes. GUILLAUME: And we're paying cash in fiat, and although there's every possibility we could have a token-based solution, we're not looking at that because the core immutable value of your attention is linked in your spending behavior on earth and online, but through real transactions with real merchants. 99.999% of transactions, I imagine, aren't crypto yet and don't live on a blockchain, so until that point, I think we steer clear of it. Whether we could have raised more money more quickly if we [laughs] had mentioned it more, I don't know. But for me, there are quite a few steps to go in our journey as I see it having matured from the app to the plumbing, the plumbing now going to more publishers, more publishers meaning more audience, more audience meaning more attention, more advertising. At which point, as I said, the U.S. will probably be there with open banking. There are a lot of things in Web 2.0 that could be resolved. And yeah, if we make it that far, I think we'll be in an awesome position to have an identity solution for Web3 or Web5. [laughs] CHAD: Well, I wish you all the best in that journey. And I really appreciate you stopping by and sharing with us. GUILLAUME: My pleasure. It's been real great and nice to hear from you again. And I hope our paths cross in the real world soon enough. CHAD: Yeah. If folks want to get in touch or learn more or get in touch with you, where are all the different places that they can do that? GUILLAUME: We have two websites, so zedosh.com is the consumer app, attentionexchange.co.uk is our other website. Otherwise, feel free to reach out to me on LinkedIn. And on Twitter, I'm @G_Zedosh. I'm not massive on Twitter. There are a lot of bots on that. CHAD: [laughs] I guess I'm not that surprised. So you can subscribe to the show, find links to everything that was just mentioned along with notes and a complete transcript for this episode at giantrobots.fm. If you have questions or comments, email us at hosts@giantrobots.fm. And you can find me on Twitter at @cpytel. I'm also not very active these days. This podcast is brought to you by thoughtbot and produced and edited by Mandy Moore. Thanks so much for listening, and see you next time. ANNOUNCER: This podcast was brought to you by thoughtbot. thoughtbot is your expert design and development partner. Let's make your product and team a success. Special Guest: Guillaume Kendall.

It's hard to track our individual carbon footprints. Most people have no idea what emissions are associated with a bag of groceries or last night's takeout. This type of information is hard to come by, which makes it even more challenging to make environmentally friendly decisions. Sustainability Data Service company, Cogo is trying to change that by empowering individuals and businesses to measure, reduce, and offset the impact they have on the climate.  Today's guest is Ben Gleisner, founder and CEO of Cogo.  On the show, we dove into the individual side of sustainability, behavioral science, and the climate tech behind Cogo. ClimateTech with Kentaro is produced by our incredible team at Persefoni and Hueman Group Media.  Learn more about Persefoni and our climate management and accounting platform by subscribing to our weekly newsletter!

Self-directed IRA: How to use in real estate, qualifications, and investment optionsThings that people should know about UBITHow Secured Investment Corp helps investors in funding deals and its value in the marketPerforming vs. non-performing notesMajor advantages of investing in non-performing notes The Life & Money Show Spotlight:Your Life & Money: What is one thing you're doing to live a meaningful and intentional life by design?Other's Life and Money: What is one life or money hack that you can share that will make an impact in others' lives right now? Life & Money in the World: What's the one thing you're doing right now to make the world a better place? ABOUT HEATHER DREVESHeather Dreves is the Director of Funding at Secured Investment Corp. She is a tenured employee that has worked in the Private Money Industry for over 15 years and held her Series 63 license. Heather has been directly involved in the sale of over 75 million dollars in Trust Deed Mortgages and raised over 10 million in Secured Investment Corps High Yield Equity Funds. She has had experience in assisting underwriting and managing the Cogo and Servicing team in addition to Investor Relations. CONNECT WITH HEATHERWebsite: Secured Investment CorpEmail: hdreves@securedinvestmentcorp.comPhone: 800-971-5988 (Ext. 1402) To connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook.To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club.Be sure to also grab your free copy of the Investing For Good book (just pay S&H)--Thanks for listening, and until next time, keep investing for good!

David Locke, radio voice of the Utah Jazz and Jazz NBA Insider, brings you the daily podcast Locked On Jazz.Today's Episode The Utah Jazz answer every shot from the Los Angeles Clippers What are we watching with Donovan Mitchell Rudy Gobert's defense is bending shot charts The Supporting cast makes plays The Clippers are pulling fire alarms The way the Jazz won is not sustainable and they will have to find a different way for next 2 wins Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Robert Williams has the skills to be the Celtics center of the future, but can he stay healthy enough to do the job? John Karalis is joined by Chris Forsberg of NBC Sports Boston to discuss how concerned we are about Williams' injury history, the amazing strides he's made to become so important, and whether now is the right time to try to lock him up with an extension.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

David Locke, Utah Jazz radio voice and Jazz NBA Insider, brings you the daily podcast on the Utah Jazz, Locked On JazzToday's episode is a Game 1 Re-Watch* 8 takeaways from Game 1 Utah Jazz v. Los Angeles Clippers Donovan Mithcells brilliance was better in the re-watch Bojan Bogdanovic had the game no one is talking about Royce O'Neale and Derrick Favors were outstanding Clippers are playing two defense and they want to stay in one of them but it didn't work Clippers offense has a yin and yang to it Rudy Gobert is affecting everything Was it fatigue or too much talent How to deal with Paul George The Clippers three pet plays Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The criticism of Marcus Smart got louder this season, but how much of that was really his fault? John Karalis runs through a rough season for Smart, why social media and sports talk radio may have fueled a lot of the noise, why the analytics show he should take MORE 3-pointers, and how Brad Stevens now holds the answer to the entire debate of Smart's value to the franchise.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

David Locke, radio voice of the Utah Jazz and Jazz NBA Insider, brings you the daily podcast on the Utah Jazz, Locked On JazzToday's episode* Donovan Mitchell is doing absurd things for a 4th year player* Rudy Gobert is bending shot charts* Brilliant games from Derek Favors, Bojan Bogdanovic, Royce O'Neale* 2 plays that changed the game, Bojan steals and the Challenge* Fatigue factor* Quarter by Quarter numbers What is the Clippers next move Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Boston Celtics are looking everywhere to improve their team. John Karalis takes a close look at how Aaron Nesmith and Romeo Langford could become the two most important players on this Celtics roster because their big leaps could make life easier for Jayson Tatum and Jaylen Brown.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

David Locke, radio voice of the Utah Jazz and Jazz NBA Insider, brings you the daily podcast on the Utah Jazz, Locked On JazzToday's epsidoe* 5 things to watch in game 1* What are the Clippers doing with Patrick Beverly and Zubac Can the Jazz find a way to win the math game What will the Clippers defensive approach be Joe Ingles has to be quick and electric with his passing Notice where the shots are coming from Then the show is joined by Clippers TV voice Brian Seiman. Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

One of the first orders of business for Brad Stevens is to figure out what to do with Kemba Walker. John Karalis runs through the options, what it would take to keep him, why trading him for nothing could be a sign of something bigger, and a few trade ideas for getting a useful player in return.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

There's a lot to unpack as Brad Stevens begins his tenure as President of Basketball Operations. John Karalis runs through a few, including the lack of a true interview process, the one potential sign that this might not be a long-term move, the addition of new coaching candidates over the weekend (and potentially another who Stevens might not be able to resist), and whether Stevens will get a pass to make moves that would have gotten criticism from Danny Ainge.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedLucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!StatHeroStatHero, the FIRST Ever Daily Fantasy Sportsbook that gives the PLAYER the ADVANTAGE. Go to StatHero.com/LockedOn for 300% back on your first play. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Josh Lloyd looks back at the 2020-21 season for the Oklahoma City Thunder and looks at how Aleksej Pokusevski, Shai Gilgeous-Alexander, Al Horford, and Luguentz Dort performed and what it could mean for the future. The Locked On Fantasy Basketball Podcast is brought to you by Basketball Monster.Join the Discord hereSupport Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedHeadspaceYou deserve to feel happier, and Headspace is meditation made simple. Go to headspace.com/lockedonnba for a FREE ONE-MONTH TRIAL with access to Headspace's full library of meditations for every situation.Lucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!Intro Music by Ben LloydInstagram Learn more about your ad choices. Visit podcastchoices.com/adchoices

Josh Lloyd looks back at the 2020-21 season for the Cleveland Cavaliers and looks at how Collin Sexton, Darius Garland, Jarrett Allen, and Isaac Okoro performed and what it could mean for the future. The Locked On Fantasy Basketball Podcast is brought to you by Basketball Monster.Join the Discord hereSupport Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you.IndeedGet started RIGHT NOW with a FREE SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/lockedHeadspaceYou deserve to feel happier, and Headspace is meditation made simple. Go to headspace.com/lockedonnba for a FREE ONE-MONTH TRIAL with access to Headspace's full library of meditations for every situation.Lucy.coGo to Lucy.co and use Promo Code LOCKEDONNBA to get 20% off all products on your first order, including gum or lozenges!Intro Music by Ben LloydInstagram Learn more about your ad choices. Visit podcastchoices.com/adchoices