Podcasts about Klarna

Welcome to Omni Talk's Retail Daily Minute, sponsored by Grocery Dealz and Mirakl.In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Walmart expands digital shelf labels to all U.S. stores, aiming to streamline pricing, restocking, and online order fulfillment across its entire fleet by year's end.Abercrombie & Fitch crosses the $5 billion sales mark for the first time, posting its 13th consecutive quarter of growth with Hollister leading the charge and plans to open 55 new stores in 2026.eBay and Klarna expand their embedded resale integration to six new markets, building on more than 1 million listings already generated through the Klarna app since December 2024.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights.Be careful out there!

Klarnas nya tjänst för återbetalning väcker förvirring och irritation. Hur länge får betaljätten behålla kundernas pengar? Lyssna på alla avsnitt i Sveriges Radios app. Proteinbars, proteindryck och till och med proteinglass – gör de någon skillnad och vem behöver ens extra protein? Hör vad bodybuildern och näringsfysiologen har att säga om trenden med proteinprodukter.Nya regler för den som har lån utan säkerhet – det här bör du ha koll på inför årets deklaration. Vi blickar också ut i världen och hör om landet man helst inte vill deklarera i.Går det att spara etiskt och samtidigt få god avkastning? Och hur blir man bra på att förhandla ner sin bolåneränta? Vi svarar på lyssnarfrågor. Programledare: Anna BergProducent: Linda Aktén

Affirm and Klarna are two leading players in the Buy Now, Pay Later (BNPL) space, both leveraging securitization and forward-flow agreements to fund their lending activities. Securitization involves packaging BNPL loans into asset-backed securities (ABS) or selling receivables to investors, allowing these companies to recycle capital, manage risk, and scale operations. This comparison draws on their 2025 activities, highlighting similarities in funding needs amid expansion and differences in delinquency trends and revenue models.

Dan Nathan and Guy Adami cover PPI, upcoming earnings, and this week's jobs report. They focus on mounting stress in the AI infrastructure and financing complex: CoreWeave's post-earnings drop, heavy customer concentration, funding challenges, and Jim Chanos' critique that its GPU-leasing model loses money and shows distress-level liquidity, alongside declines in Apollo, KKR, Blackstone, and banks. They contrast Nvidia's strong quarter and 60% growth outlook with stock stagnation, discuss Broadcom as a key AI barometer, and note ongoing software multiple and margin compression highlighted by volatile moves in Workday and Salesforce. Despite rising VIX swings, falling 10-year yields, and consumer-credit concerns signaled by AmEx, Capital One, Klarna, and Walmart trade-down commentary, the S&P remains near highs; they also discuss crude's rebound amid Middle East tensions and Bitcoin weakness pressuring MicroStrategy. After the break, Jen & Kristen join Dan and Guy live from the iConnections Global Alts conference in Miami to unpack an “AI panic” market day, why higher productivity could mean higher rates, and what private credit hiccups really signal for hedge funds and alts. They also explain how The Wall Street Skinny is turning arcane finance jargon into plain English for everyone from college students to the C‑suite, plus why there are no dumb questions when it comes to bonds, credit, and careers on Wall Street. Timecodes 0:00 - Intro 2:00 - CoreWeave & The Software Slide 17:30 - VIX, SPX & The Consumer 25:00 - Yields & Crude 28:30 - Bitcoin & Broader Market 33:20 - He Said, She Said

Europas grösste Fintech Aktie zum Ramschpreis? +30% Wachstum und war schon 10x teurer: Klarna Aktie

Onze analist van dienst stond al met zijn neus bij de etalage voor een paar aandeeltjes Klarna, toen deze op $30 noteerde. Als een kindje dat pruimen zag hangen, o, als appelen zo groot! Maar wat kan hij in zijn handjes wrijven, want de bodem was voor Klarna nog lang niet in zicht. Na de beursgang in september verloor de Zweedse fintech 70% van haar marktwaarde. Terecht, of is Klarna de kans van de eeuw? En Trump stort beleggers wereldwijd weer in de onzekerheid met zijn heffingenheisa. Goed nieuws voor Azië, waar de nieuwe heffingen lager uitpakken dan de vorige. In het VK zullen ze daarentegen minder staan te springen. Wat is er dit weekend nou precies gebeurd, en wat betekent dat voor jou? Ook daar is genoeg om uit te pakken. Verder in deze show: Box-3 voer voor hoofdredactie Washington Post Netflix bestuurslid moet ONMIDDELIJK ontslagen worden van Trump, terwijl ze middenin de overnamestrijd rond Warner Bros zitten McDonalds is het nieuwe goud Waarom de Zuid-Koreanen dol zijn op hefboompjes VEB wil dat de AFM onderzoek gaat doen naar handel met voorkennis in aandelen van InPost Te gast: Justin Blekemolen van online broker Lynx BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

Hvis den danske milliardær og bestseller-ejer Anders Holch Povlsen kunne spå om fremtiden, havde han nok ikke valgt at købe en stor aktiepost i betalingstjenesten Klarna. Selskabet, der blev børsnoteret i september sidste år, har nemlig haft en rædselsfuld start på 2026 og tabt over halvdelen af sin værdi på børsen - og det selvom, Klarna netop har præsenteret en rekord stor omsætning. Hør i denne Lyn-analyse, hvor meget Anders Holch har tabt på sin investering, og hvorfor investorerne ikke har tillid til Klarna. Gæst: Heidi Birgitte Nielsen, chef for finans og økonomi, Finans. Vært: Mads Ring. Foto: Thomas Lekfeldt. See omnystudio.com/listener for privacy information.

Klarna "AI-first", le High-Tech perce sur TikTok Shop et le séisme du SaaS.Dans ce 258ème épisode, Laetitia et Adrien décryptent la transformation radicale de la rentabilité : quand l'IA ne se contente plus d'aider, mais remplace et vend. Entre le pari fou de Klarna pour son introduction en Bourse et l'explosion des paniers moyens sur TikTok Shop, le retail bascule dans une nouvelle ère d'efficacité.Au programme de cet épisode :

Onze analist van dienst stond al met zijn neus bij de etalage voor een paar aandeeltjes Klarna, toen deze op $30 noteerde. Als een kindje dat pruimen zag hangen, o, als appelen zo groot! Maar wat kan hij in zijn handjes wrijven, want de bodem was voor Klarna nog lang niet in zicht. Na de beursgang in september verloor de Zweedse fintech 70% van haar marktwaarde. Terecht, of is Klarna de kans van de eeuw? En Trump stort beleggers wereldwijd weer in de onzekerheid met zijn heffingenheisa. Goed nieuws voor Azië, waar de nieuwe heffingen lager uitpakken dan de vorige. In het VK zullen ze daarentegen minder staan te springen. Wat is er dit weekend nou precies gebeurd, en wat betekent dat voor jou? Ook daar is genoeg om uit te pakken. Verder in deze show: Box-3 voer voor hoofdredactie Washington Post Netflix bestuurslid moet ONMIDDELIJK ontslagen worden van Trump, terwijl ze middenin de overnamestrijd rond Warner Bros zitten McDonalds is het nieuwe goud Waarom de Zuid-Koreanen dol zijn op hefboompjes VEB wil dat de AFM onderzoek gaat doen naar handel met voorkennis in aandelen van InPost Te gast: Justin Blekemolen van online broker Lynx BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

Nyheterna Radio 12:00

Where is Steve W seeing cockroaches? Find out on this week's PlayingFTSE Show!Steve D's portfolio has been running away with it, once again. At the other end, there's a tie for last place in this week's leaderboard – but between who or what?There are a lot of people who claim to being the next Warren Buffett, but Mohnish Pabrai has a closer connection than most. And he's got a new ETF that launched last week. It's not a closet index, but is it worth paying for? Steve D doesn't think so and Steve W thinks there's a big difference between the Wagons ETF and Berkshire Hathaway…The stock market didn't like Klarna's results and the share price is down in a big way. But are investors making a mistake and presenting an unusually good opportunity here?A key theme of the show in recent months has been paying attention to how companies recognise revenues. And Steve D is wondering whether this might be one more for the list.Molina Healthcare is a stock that's been attracting the attention of some high-profile value investors recently. As well as those guys, Steve W has been taking an interest.The company has been hammered through a difficult Medicaid situation, but it has a structural advantage over competitors. So at unusual lows, is it time to consider buying?Only on this week's PlayingFTSE Podcast!► Get a free fractional share!This show is sponsored by Trading 212! To get free fractional shares worth up to 100 EUR / GBP, you can open an account with Trading 212 through this link https://www.trading212.com/Jdsfj/FTSE. Terms apply.When investing, your capital is at risk and you may get back less than invested.Past performance doesn't guarantee future results.► Get 15% OFF Fiscal.ai:Huge thanks to our sponsor, Fiscal.ai, the best investing toolkit we've discovered! Get 15% off your subscription with code below and unlock powerful tools to analyze stocks, discover hidden gems, and build income streams. Check them out at Fiscal.ai!https://fiscal.ai/?via=steve► Follow Us On Substack:Sign up for our Substack and get light-hearted, info-packed discussions on everything from market trends and investing psychology to deep dives into different asset classes. We'll analyse what makes the best investors tick and share insights that challenge your thinking while keeping things engaging.You'll also find our new 10-week investing and research course available right now. It's completely free, with no sign-up required, no payment, and none of the usual BS. Don't miss out. Join us today and get stuck in.https://playingftse.substack.com/► Support the show:Appreciate the show and want to offer your support? You could always buy us a coffee at: https://ko-fi.com/playingftse(All proceeds reinvested into the show and not to coffee!)► Timestamps:0:00 INTRO & OUR WEEKS7:19 WAGONS FUND23:28 KLARNA47:14 MOLINA HEALTHCARE► Show Notes:What's been going on in the financial world and why should anyone care? Find out as we dive into the latest news and try to figure out what any of it means. We talk about stocks, markets, politics, and loads of other things in a way that's accessible, light-hearted and (we hope) entertaining. For the people who know nothing, by the people who know even less. Enjoy► Wanna get in contact?Got a question for us? Drop it in the comments below or reach out to us on Instagram: https://www.instagram.com/playing_ftse/► Enquiries: Please email - playingftsepodcast@gmail(dot)com► Disclaimer: This information is for entertainment purposes only and does not constitute financial advice. Always consult with a qualified financial professional before making any investment decisions.

In this episode of the FinTech Times News and Views podcast, Mark Walker interviews Samantha Yap, founder of Yap Global, at Abu Dhabi Finance Week. They discuss the explosive growth of digital assets and Web3, the role of stablecoins in cross-border payments, and the regulatory environment in the UAE.TakeawaysBitcoin hit all-time highs, indicating explosive industry growth.Stablecoins are becoming essential for cross-border payments.FinTechs are bridging crypto and traditional finance worlds.UAE offers a favorable tax environment for crypto companies.Regulatory clarity in the UAE attracts global crypto players.Yap Global focuses on the evolving crypto story.Stablecoins offer instant payments, beneficial for service providers.Klarna's stablecoin launch could drive mainstream adoption.Multiple stablecoins for different currencies are expected.Amazon might soon accept stablecoin payments.Sound bitesBitcoin hit all-time highs.Stablecoins are essential for payments.UAE's favorable tax for crypto.Regulatory clarity attracts players.Yap Global on crypto evolution.Instant payments with stablecoins.Klarna's stablecoin launch impact.Multiple stablecoins expected.Amazon's potential stablecoin use.Crypto and traditional finance merge.Chapters00:00:00 Introduction to FinTech Times00:01:00 Samantha Yap on Digital Assets00:03:00 Trends in Crypto and Web300:05:00 Stablecoins and Cross-Border Payments00:07:00 UAE's Regulatory Environment00:09:00 Yap Global's Crypto Journey00:11:00 Future of Stablecoins The Fintech Times News &Views Podcast delivers strategic insight into the trends redefining global financial services, with commentary from industry leaders and innovators. Discover more coverage, interviews, research, and partnership opportunities at thefintechtimes.com and follow The Fintech Times across all major social platforms.

Vi har varit på Cape Towns konstmässa, en riktig pärla. Samt ett par riktigt bra gallerier, som Stevensons och Lemkus. Men vi kan ju inte undvika Andrew, kungligheten tidigare känd som prins, som till sist svettas. Hoppar han av till arabland? Kanske kan han dela hus med Spaniens Juan Carlos. Men glöm inte hur politiserad den brittiska polisen är, som vi alla vet åtminstone sedan de struntade i de pakistanska våldtäktsgängen. Men Metoo förändrade en del — färre är naiva. Hela Epsteingrejen bara växer. Folk avgår, Trumpisterna klyvs och ingen annan fråga är så negativ för Trump. Kudos till Tina Brown, som var först på bollen och inte böjde sig. Och så en riktigt svensk historia i Expressen: den svenska prästen Anna i Karlstad som "tröttnade på män", anlitade en man som onanerade, inseminerade sig själv och nu har fem barn. Har inte svenskar någon känsla för hur absurda de är? Men många har inga hämningar att berätta om sitt privatliv offentligt. Hanna Hellquist till exempel. Och hur är det med Jonatan Unge och Cecilia Hagen? Bonniers håller på med ett språkprojekt — en "svensk språkmodell" — så illa formulerat att man inte är säker på vad det är, men antagligen handlar det om att låta AI stjäla riktiga människors skriverier. Vilken skam för en förläggarfamilj. Klarna rasar på börsen. Påminner inte Trump om Mörkrets hjärta och Apocalypse now. Vi lever i Joseph Conrads fantasi. Apropå det är Robert Duvall död. Läs Susanna i Fokus och ligg på för att Riddarholmskyrkan får tillbaka sin spira. Hosted on Acast. See acast.com/privacy for more information.

Feb 20, 2026: AI is already deciding who gets hired, promoted, and fired — and there are almost no rules governing how it does any of that. In this episode, I'm building those rules. I call them the Five Laws of AI in the Workplace, constructed in the spirit of Asimov's Three Laws of Robotics — rigorous enough to pressure-test, honest enough to admit where they fall short. We cover the Law of Transparency — why 30 million job applicants in 2024 were evaluated by algorithms they never knew existed. The Law of Human Primacy — why a human rubber-stamping an AI decision isn't the same as a human making one. The Law of Honest Attribution — why AI washing is one of the most underreported forms of corporate dishonesty happening right now. The Law of True Cost Accounting — why the real costs of workforce cuts don't disappear, they just move to taxpayers and communities. And the Law of Reversibility — the full Klarna story, and why 31% of companies that made AI-driven layoffs ended up worse off than if they'd never done it.

In der heutigen Folge sprechen die Finanzjournalisten Lea Oetjen und Nando Sommerfeldt über die Drohkulisse der USA, den Titel-Verlust von Walmart und das große Rätselraten, um die Lagarde-Nachfolge. Außerdem geht es um Airbus, Freenet, Flatexdegiro, Krones, Knorr-Bremse, Ares, Apollo, KKR, Blackstone, TPG, Blue Owl, Air France-KLM, Amazon, Deere & Co, Meta, Toto, Samsung, SK Hynix und Kioxia. Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Merz sympathisiert mit einem Social Media Ban für Kinder. Google holt sich mit Gemini 3.1 die Benchmark-Krone zurück. OpenAI raist $100 Mrd. bei bis zu $850 Mrd. Bewertung – Nvidia allein soll $30 Mrd. geben. Das virale Video der Woche: Sam Altman und Dario Amodei verweigern sich beim India AI Summit den Handschlag. Perplexity gibt sein Werbemodell auf und schwenkt auf Enterprise. Klarna verliert 27% nach schwachen Zahlen – die Kreditausfallvorsorge steigt schneller als der Umsatz. Die CFTC versucht, Prediction Markets der Bundesstaaten-Regulierung zu entziehen. Milliardärs-Steuersätze sind ein Problem für die US-Wirtschaft.  Unterstütze unseren Podcast und entdecke die Angebote unserer Werbepartner auf ⁠⁠⁠⁠⁠⁠doppelgaenger.io/werbung⁠⁠⁠⁠⁠⁠. Vielen Dank!  Philipp Glöckler und Philipp Klöckner sprechen heute über: (00:00:00) Social Media Ban für Kinder (00:19:45) Apple Event am 4. März: Brille und AirPods mit Kameras (00:25:21) Google Gemini 3.1 und OpenAI $100 Mrd. Runde (00:35:40) India AI Summit: Altman und Amodei verweigern Handschlag (00:51:25) Perplexity gibt Werbemodell auf (00:54:47) Accenture: Keine Beförderung ohne KI (01:59:40) World Labs $1 Mrd. und XAI Saudi-Investment (01:06:27) New York stoppt Robotaxis (01:10:42) CFTC vs. Bundesstaaten: Prediction Markets (01:19:40) X-Algorithmus verschiebt Meinungen nach rechts (01:22:37) Klarna und Figma Earnings (01:32:50) Freedom.gov: US-VPN für Europäer (01:39:20) Zuckerberg vor Gericht: Engagement war nie unser Ziel (01:48:14) Angermeyer | Palantir: DHS-Milliardendeal (01:58:05) WSJ: Milliardäre zahlen zu wenig Steuern Shownotes Garrison Lovely Dario Amodei Podcast - ⁠x.com⁠ Merz riskiert Streit mit Trump über Social-Media-Verbot für Minderjährige - ⁠bloomberg.com⁠ Apple intensiviert Arbeit an Brille, Anhänger und Kamera-AirPods. - ⁠bloomberg.com⁠ Apple kündigt überraschend "Special Apple Experience" an. - ⁠heise.de⁠ Google ist wieder führend in KI: Gemini 3.1 Pro Preview. - ⁠x.com⁠ OpenAI-Chef: Dringende Regulierung für KI erforderlich - ⁠heise.de⁠ OpenAI-Finanzierung erreicht über $100 Milliarden in aktueller Runde - ⁠bloomberg.com⁠ Nvidia OpenAI - ⁠ft.com⁠ Sam Altman and Dario Amodei refusing to hold hands - ⁠linkedin.com⁠ OpenAI Has Poached Instagram's Celebrity Whisperer - ⁠vanityfair.com⁠ Perplexity - ⁠ft.com⁠ Accenture - ⁠ft.com⁠ AI Pioneer Fei-Fei Li's Startup World Labs Raises $1 Billion - ⁠bloomberg.com⁠ Saudi-Arabiens Humain investiert 3 Milliarden in Elon Musks XAI. - ⁠bloomberg.com⁠ Aktivistischer Investor Palliser Capital schrieb an japanischen Toilettenhersteller Toto. - ⁠x.com⁠ New Yorks Robotaxi-Plan gestoppt - ⁠bloomberg.com⁠ Wir sehen uns vor Gericht - ⁠axios.com⁠ Elizabeth Warren kritisiert Trumps CFTC - ⁠x.com⁠ Gouverneur Cox - ⁠x.com⁠ Meta startet $65 Millionen Wahlkampagne - ⁠nytimes.com⁠ X's Algorithm Pushes Users to Lean More Conservative - ⁠gizmodo.com⁠ Klarna - ⁠ft.com⁠ Klarna-CEO: Belegschaft wird bis 2030 um 1.000 reduziert. - ⁠fastcompany.com⁠ US plans online portal to bypass content bans in Europe and elsewhere - ⁠reuters.com⁠ Mark Zuckerberg said he reached out to Apple CEO Tim Cook to discuss ‘wellbeing of teens and kids' - ⁠cnbc.com⁠ Philipp Kloeckner auf X: "Metas Zuckerberg ist voller

Ihr kriegt aktuell 25 € vom Scalable-ETF, wenn ihr ein neues Konto eröffnet und nutzt. Dazu unterstützt ihr auch noch diesen Podcast. Mehr Infos gibt's hier. Walmart verliert Umsatz-Krone an Amazon. Nestlé wächst wieder und verkauft Eis. John Deere sieht Agrarwende. Airbus hat Triebwerksprobleme. Klarna crasht 25%. Blue Owl stoppt Ausschüttungen. KKR verliert mit Fahrrädern. Steven Cohen macht 9 Mio. $ am Tag. Knapp 40 Mio. Menschen haben letztes Jahr Las Vegas besucht. Fast 10% weniger als davor. Ist Sin City am Ende? Oder gibt's eine Einstiegschance bei Vici Properties (WKN: A2H5U8)? Infineon (WKN: 623100) will beim nächsten großen Ding ganz vorne mitspielen. Der CEO sagt: Humanoide Roboter könnten für Infineon das werden, was KI-Server für NVIDIA sind. Diesen Podcast vom 20.02.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Investeringsprofilen John Skogman gästade Börsmorgon

Earnings results are flooding in from companies across numerous industries Some look great, some look ok, and some the market didn't like one bit. Today, we break down earnings results from several consumer companies to see spending trends, the gang gets into a spirited back and forth about insurance company Lemonade, and we try to figure out what spooked the market about Klarna's results. Tyler Crowe, Matt Frankel, and Jon Quast discuss: - Earnings results from Walmart, Booking Holdings, Etsy, and Ebay - Ebay's acquisition of Etsy's Depop business. - The bull and bear case on Lemonade - Klarna's big stock drop Companies discussed: WMT, BKNG, ETSY, EBAY, AMZN, LMND, PGR, KLAR Host: Tyler Crowe Guests: Matt Frankel, Jon Quast Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠megaphone.fm/adchoices⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Buy now, pay later company Klarna swings to a loss. And DoorDash is positioning for an AI-led future. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Scott Becker reviews sharp stock drops across Klarna, Avis, CarMax, and KKR, highlighting shrinking margins, weak earnings, and private equity headwinds.

In this episode, Scott Becker reviews sharp stock drops across Klarna, Avis, CarMax, and KKR, highlighting shrinking margins, weak earnings, and private equity headwinds.

US President Trump and his advisors have reportedly indicated that the USMCA could be scrapped, NY Times reports. Instead, the US could have bilateral deals with Canada and Mexico.European equities lower as Airbus misses on 2026 aircraft deliveries; US equity futures slip.Antipodeans gain following recent losses; DXY flat after Wednesday's advances.Bonds hold a bearish bias, continuing the pressure seen in the prior session due to various factors.Crude benchmarks and precious metals benefit from growing US-Iran tension, whilst copper lags on weak European sentiment and Chinese holiday.US President Trump is scheduled to deliver remarks on the economy at 16:00EST/21:00GMT on Thursday.Looking ahead, highlights include US Trade Balance (Dec), Weekly/Continuing Claims, Philadelphia Fed (Feb), Pending Home Sales (Jan), EZ Flash Consumer Confidence (Feb), New Zealand Trade Balance (Jan), Australian Flash PMIs (Feb), Japanese CPI (Jan). Speakers include ECB's de Guindos, Fed's Bostic, Kashkari, Goolsbee & Bowman. Supply from the US. Earnings from Walmart, Deere, Wayfair, Klarna, Opendoor, Newmont Mining, Southern & Constellation Energy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

APAC stocks traded higher following the positive handover from the US and with South Korea outperforming amid tech strength on return from the Lunar New Year holidays.FOMC's January meeting minutes showed a broad agreement to hold rates, but views diverged on the path ahead.US senior official told Axios that the round of talks with Iran in Geneva was "a hamburger stuffed with nothing" and is one of the reasons why Trump is close to making a decision on the issue of going to war with Iran, according to Axios's Ravid.US senior official stated that all US forces involved in the Middle East build-up should be in place by mid-March and that Secretary of State Rubio will travel to Israel to meet Israeli PM Netanyahu to discuss Iran on the weekend of February 28th.US President Trump is scheduled to deliver remarks on the economy at 16:00 EST/21:00 GMT on Thursday.Looking ahead, highlights include US Trade Balance (Dec), Weekly/Continuing Claims, Philadelphia Fed (Feb), Pending Home Sales (Jan), EZ Flash Consumer Confidence (Feb), New Zealand Trade Balance (Jan), Australian Flash PMIs (Feb), Japanese CPI (Jan). Speakers include ECB's Cipollone, ECB's de Guindos, Fed's Bostic, Kashkari, Goolsbee & Bowman. Supply from Spain, France & US. Earnings from Walmart, Deere, Wayfair, Klarna, Opendoor, Newmont Mining, Southern & Constellation Energy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Het lijkt wel andersom dag. Een chipmachinemaker die daalt, en juist een luchtvaartmaatschappij die scoort. Besi komt met het prachtige nieuws dat alle belangrijkste markten eindelijk weer aantrekken. Vier jaar hebben ze daar op gewacht. Maar beleggers zijn er allesbehalve van onder de indruk. Het aandeel wordt gedumpt. Waarom? Dat hoor je in deze aflevering. Dan hebben we het dus ook over die luchtvaartmaatschappij die wel de wind mee heeft. AirFrance-KLM is dat. Al is het niet dankzij KLM. Het Nederlandse onderdeel weet ondanks bezuinigingen geen centimeter vooruit te gaan als het over winst gaat. Hoe vruchtbaar is de samenwerking tussen die twee eigenlijk nog? Verder hoor je waarom de Federal Reserve opeens nadenkt over renteverhogingen. In de laatste vergadering blijkt daar best wel wat animo voor te zijn. En onze gast houdt een vurige betoog tegen de nieuwe box-3 regeling, want anders zou hij de uitzending gaan saboteren. Te gast: Arend Jan Kamp van Stockwatch.nl en de podcast het Beurscafé BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

Het lijkt wel andersom dag. Een chipmachinemaker die daalt, en juist een luchtvaartmaatschappij die scoort. Besi komt met het prachtige nieuws dat alle belangrijkste markten eindelijk weer aantrekken. Vier jaar hebben ze daar op gewacht. Maar beleggers zijn er allesbehalve van onder de indruk. Het aandeel wordt gedumpt. Waarom? Dat hoor je in deze aflevering. Dan hebben we het dus ook over die luchtvaartmaatschappij die wel de wind mee heeft. AirFrance-KLM is dat. Al is het niet dankzij KLM. Het Nederlandse onderdeel weet ondanks bezuinigingen geen centimeter vooruit te gaan als het over winst gaat. Hoe vruchtbaar is de samenwerking tussen die twee eigenlijk nog? Verder hoor je waarom de Federal Reserve opeens nadenkt over renteverhogingen. In de laatste vergadering blijkt daar best wel wat animo voor te zijn. En onze gast houdt een vurige betoog tegen de nieuwe box-3 regeling, want anders zou hij de uitzending gaan saboteren. Te gast: Arend Jan Kamp van Stockwatch.nl en de podcast het Beurscafé BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij BNR Zakendoen en de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

Klarna's popularity in the United States soars as the Covid-19 pandemic closes brick-and-mortar stores and online shopping surges. But Klarna also has a fresh wave of competitors. And as consumers find themselves sucked into vicious debt cycles, Klarna and other Buy Now, Pay Later services are forced to navigate a backlash and new government regulation. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Varför tar det en vecka att skicka pengar internationellt, när pengar bara är information i en databas? Och hur kommer AI-agenter betala varandra i framtiden? I detta avsnitt dyker vi ner i tokenization – en teknologi som kan revolutionera hela det finansiella systemet. Vi går igenom grunderna: Vad betyder tokenisering? Vad är stablecoins? Och hur löser blockkedjan "double spending-problemet", så att värde kan överföras digitalt? I veckans avsnitt medverkar: - *Jacob Bursell* - Monopol media - *Hampus Brodén* - Medgrundare & VD Stabelo - *Viktor Fritzén* - Styrelseproffs - *Johan Isaksson* - Privatinvesterare --- ## TIDSSTÄMPLAR **00:00:00** - Intro: Apple Vision Pro och skidfilm i VR **00:04:00** - Viktor: Frälst av Claude i Excel – AI som analyst **00:07:00** - Småbolagsarmageddon fortsätter **00:09:00** - Larry Fink om tokenization på Davos **00:12:00** - Vad är tokenization? Grunderna förklarade **00:14:00** - Internationella överföringar: Varför tar det en vecka? **00:17:00** - HTTP 402: Internets värdeprotokoll som äntligen används **00:19:00** - Double spending-problemet: Hur blockchain löser det **00:22:00** - Aktiehandel: Hur komplext är det egentligen? **00:25:00** - T+2 settlement förklarad **00:28:00** - Stablecoins: Vad är skillnaden mot Bitcoin? **00:32:00** - Circle vs Tether: Vilken är säkrast? **00:36:00** - Kan man ge ut krediter i ett stablecoin-system? **00:42:00** - Narrow banking och Riksbanksreserver **00:48:00** - Pengar skapas "into existence" – även med krypto **00:54:00** - Base money vs penningmängd förklarat **00:56:00** - Hur använder man stablecoins idag? **00:58:00** - Vad mer kan tokeniseras? Aktier, fastigheter, fotbollsspelare **01:02:00** - Real World Assets (RWA) och likviditet **01:06:00** - Trust i systemet: Vem garanterar vad? **01:09:00** - Varför finns inga europeiska stablecoins? **01:12:00** - Existentiellt hot mot banker och clearinghus **01:14:00** - Europa vs USA: Reglering som bromsklos **01:17:00** - AI + stablecoins = framtidens betalningar **01:20:00** - Svenska banker vågar inte ens röra krypto **01:22:00** - Investeringsmöjligheter: BlackRock, Coinbase och Circle-trojkan **01:24:00** - Klarna och Paypal lanserar egna stablecoins **01:26:00** - Perspektiv: M2 i USA vs stablecoin-volymer **01:27:00** - Avslutning --- ## ÄMNEN SOM DISKUTERAS • *Tokenization grunderna* - Vad är det och varför spelar det roll? • *Stablecoins* - Circle, Tether, och skillnaden mot Bitcoin • *Internationella överföringar* - Varför blockchain är 100x snabbare och billigare • *Double spending-problemet* - Hur kryptografi löser det omöjliga • *Aktiehandel bakom kulisserna* - T+2 settlement och alla mellanhänder • *AI i Excel* - Claude som finansanalytiker på tio minuter • *Real World Assets* - Tokenisering av fastigheter, aktier och mer • *Penningskapande* - Hur krediter fungerar i både traditionella och kryptosystem • *Narrow banking* - Ett alternativt banksystem • *Regulatory arbitrage* - USA vs Europa i kryptorace • *AI-agenter och betalningar* - Google och Coinbase nya protokoll • *Trust och säkerhet* - Vem garanterar vad i decentraliserade system? • *Investeringsmöjligheter* - BlackRock-Coinbase-Circle-trojkan • *Europas innovation-gap* - Varför halkar vi efter igen? • *M2 vs stablecoins* - Perspektiv på tillväxtpotential --- ## OM PODDEN Marknaden består av Jacob Bursell, Hampus Brodén, Viktor Fritzén, Johan Isaksson, Lars Jörnov och Petter Hjertstedt. Nu också på Youtube! Twitter: https://x.com/Marknaden_podd Kommentera och ge feedback – vi vill höra vad ni tycker! Mejla: jacob@monopolmedia.se --- #tokenization #stablecoins #krypto #blockchain #fintech #circle #tether #coinbase #ai #claude #finanssystem #investering #marknaden #podcast #svenska

Marknaden hatar osäkerhet och just nu bjuds det på fullt geopolitisk drama mellan USA och Iran. Vi pratar om vad som faktiskt kan trigga nästa stora rörelse. Är det här bara brus eller början på något större?Samtidigt laddar Klarna för rapport på torsdag. Vi dissekerar caset och varför det kan finnas läge för en ordentlig rörelse när siffrorna landar.

Sebastian Siemiatkowski is the co-founder and CEO of Klarna, the global digital bank with over 114 million global active users and 3.4 million transactions per day. Seb is one of the leading public company CEOs pushing the boundaries of AI.  AGENDA: 04:50 — The Real Threat to SaaS is The Switching Cost Coming Down 05:57 — What revenue multiple will software companies trade at in the future? 14:12 — Why you need to build your own customer service AI to win 23:51 — Klarna has two times the customer base of Revolut. They will beat Revolut 25:39 — How I lost a billion dollars not investing in Nubank 30:57 — Why Nubank are more likely to win the US than Revolut? 34:28 — We used to be 6,000 people. Now we are just 3,000 39:58 — When is a high valuation too high and can be dangerous? 42:45 — How we got Sequoia to invest and Michael Moritz to join the board 53:14 — If you are an investor today that is not building then you're at a fundamental disadvantage 01:11:43 — I have changed my mind on the adoption cycle... I think it will take longer than people think 20VC: Is SaaS Dead: Klarna Replaces 1,500 Internal SaaS Products | Why Systems of Record Will Die in an Agentic World | What Revenue Multiple Will Software Companies Trade At? | From 7,000 to 3,000: We Need Less People Than Ever with Sebastian Siemiatkowski

January may have looked quiet on the surface, but the Nordic fintech engine was very much running.In this Nordic Fintech Highlights episode, Ville, Pål and Janne unpack what actually mattered beneath the seasonal slowdown — where peer-to-peer payments, SME banking, and the future of merchant acquiring all collide in very Nordic ways.On the agenda:.- Klarna goes P2P. From BNPL to bank to sending money between friends, Klarna steps into an already crowded wallet space — starting closed-loop, with bigger ambitions ahead. We dig into ecosystems, cross-border logic, and why P2P always ends up being about much more than just P2P..- Lunar raises €46m and doubles down on SMEs. Fresh capital, sharper focus on business banking, and Moonrise as a platform play. Underserved SMEs return to the spotlight — this time backed by a proper war chest..- Loomis Pay and Android POS. Cash heritage meets programmable terminals as Loomis pushes deeper into digital acquiring. We explore why open POS platforms matter, how new payment rails complicate acquiring, and why instant payments still give merchants plenty of operational headaches.Naturally, the conversation takes a few familiar side roads: embedded finance, platform economics, gig workers, AI agents as future bank customers — and a shared realization that merchant acquiring has become one of the most quietly complicated parts of fintech.A calm start to the year, a surprisingly busy news cycle, and just enough skepticism to keep everyone honest.Episode hosted by Pål Krogdahl, Ville Sointu & Janne SalminenEpisode produced and edited by Fintech Daydreaming- Email us on Hello@FintechDaydreaming.com- Fintech Daydreaming home page - https://www.FintechDaydreaming.com- Fintech Daydreaming on Twitter - https://twitter.com/FintechDaydream- Fintech Daydreaming on LinkedIn - https://www.linkedin.com/company/fintech-daydreaming- Pål Krogdahl - https://www.linkedin.com/in/krogdahl/- Ville Sointu - https://www.linkedin.com/in/ville-sointu-54682b/

In the early 2000s, Sebastian Siemiatkowski identified a gap in Europe's burgeoning ecommerce market — consumers were hesitant to buy products sight unseen. Siemiatkowski's new company would front the bill and give consumers 30 days to pay. The concept caught on and helped kick off the modern Buy Now, Pay Later industry. And after conquering Europe, Siemiatkowski's Klarna set its sights on the U.S., determined to disrupt the credit card industry. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Glitch or fraud? Let's explore "money glitches" popularized on social media, and the consequences faced by people who used them. Resources:The Chase Money 'Glitch': How a Viral Fraud Scheme BackfiredWhat you need to know about "Klarna method" posts on social mediaRingleader sentenced in multimillion-dollar fraud operation which saddled victims with crushing debt Send us a textSupport the showJoin our Patreon to listen ad-free!

Statens roll utmanas när en lång rad privata banker och bolag börjar ge ut egna, digitala, kontanter. Det som driver boomen är den snabba AI-utvecklingen och Donald Trump. Lyssna på alla avsnitt i Sveriges Radios app. Agenter och blockkedjorSynen på pengar kan vara på väg att förändras. Snart kommer vår shopping skötas av AI-agenter som betalar med stablecoins, enligt branschbedömare.Donald Trump, som själv varit med och grundat kryptobolaget World Liberty Financial som står bakom USD1, menar att stablecoins kan bli den största revolutionen ”sedan internets födelse”.The Genius ActEfter att Trump infört nya regleringar på området har en lång rad banker och bolag startat egna stablecoin-projekt. Storbanker som Bank of America sägs ligga i startgroparna, precis som varuhusbolaget Walmart och nätjätten Amazon. Den svenska betaljätten Klarna planerar att ge ut en egen digital dollar senare i år. ”Utvecklingen går fort”, säger Johan Javéus, senior ekonom på SEB.Dollar-dominansHittills är nästan alla stablecoins digitala dollar. Men en större grupp europeiska storbanker har startat ett samarbete med målet att lansera en digital euro senare i år, kallad Qivalis.Den nya generationen stablecoins är till skillnad från exempelvis Bitcoin kopplade till en stabil valuta. Men - det saknas inte kritiker. Bland annat för att de nya privata kontanterna utmanar centralbankernas roll. Och frågan är om stablecoins verkligen kommer slå igenom på det sätt som vissa tror.Programledare och producent:Hanna MalmodinMedverkande och röster i programmet:Sven Carlsson, gräv- och teknikreporter EkotKnut Kainz Rognerud, ekonomikommentator EkotJohan Javéus, senior ekonom SEBErik Thedéen, chef RiksbankenChristoffer Malmer, finansdirektör SEBJens Henriksson, vd SwedbankDonald Trump, president USAMark Zuckerberg, vd Metaekonomiekotextra@sverigesradio.se

Welcome to Omni Talk's Retail Daily Minute, sponsored by Grocery Dealz and Mirakl.In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Lidl US loses another CEO as Joel Rampoldt exits after less than two years.Klarna launches after-purchase financing through "Swipe to Finance," partnering with Walmart-backed OnePay to let consumers convert completed debit card purchases into installment loans.BJ's Wholesale Club expands in-store digital advertising by deploying Looma interactive screens in wine and liquor aisles across all clubs with alcohol departments.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights.Be careful out there!

Black Friday rompió récord… pero a crédito. ¿La economía está bien o estamos en “modo parche”? Hoy me siento con Carlos Feliciano (CAF Investments) para aterrizar lo que está pasando: empleo, consumo, vivienda en PR, BNPL (Klarna/Affirm), 401K, IA (NVIDIA vs Google/TPU), Apple, data centers, China/EE. UU., tasas de interés y qué mirar rumbo a 2026.En este episodio:¿Estamos en recesión o por qué “se siente” así?Consumo vs. financiamiento: Black Friday y el boom de “compra ahora, paga después”Vivienda en PR: incentivos vs. cero inventario, tasas y pagos imposibles401K sin mito: por qué NO es scam, macheo del patrono y alternativas si eres por cuenta propiaIA y chips: NVIDIA vs Google (TPU), Apple, data centers y energíaStreaming y fusiones: Netflix/Warner/Paramount y regulaciónTasas, quantitative easing y señales macro que vienenVida real en los 30: metas, “Matrix”, balance y el concepto japonés IkigaiQué esperan los analistas para 2026Consulta gratis con CAF Investments: separa tu cita aquí y escribe “Café en Mano” en la nota ➜ https://calendly.com/cafinvestments/15minSigue a Carlos: IG/TikTok/Facebook: @cafinvestmentsMi podcast completo y clips: suscríbete y comenta CONSULTA si quieres el link por DM. Chinchorreo 8 años de Café en Mano – 28 de diciembre, 10 AMRuta, detalles y RSVP ➜ [enlace]

Is 2026 the year that AI hype meets reality? In a new mini-series from Tech Tonic, the FT's tech editor Murad Ahmed speaks with the paper's reporters about what they'll be watching.Do tech industry insiders think the huge amounts of capital that have driven the AI boom will continue? How will challenges to large-language model AI systems play out this year? And are chief executives expecting AI technologies to force job cuts?In this episode, we hear from the FT's venture capital correspondent George Hammond, AI correspondent Melissa Heikkilä and writer of the AI Shift newsletter Sarah O'Connor for their views on AI's financial faultlines, how the technology will evolve and what kind of disruptions to expect in the world of work.Free to read: SpaceX, OpenAI and Anthropic prepare to launch landmark IPOsComputer scientist Yann LeCun: ‘Intelligence really is about learning'The AI Shift: Agentic AI is coming for quantitative researchSubscribe to The AI Shift newsletter, an essential deep-dive into how artificial intelligence is reshaping the world of workThis series of Tech Tonic is hosted by Murad Ahmed and produced by Josh Gabert-Doyon. The senior producer for Tech Tonic is Edwin Lane. Flo Phillips is the executive producer. Sound design by Breen Turner and Samantha Giovinco. Original music by Metaphor Music. Cheryl Brumley is the FT's global head of audio. The FT does not use generative AI to voice its podcasts.A previous version of this podcast made a statement about Klarna's use of AI that the company has disputed. The reference has since been removed.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this episode, host Travis Chappell and producer Eric use a ridiculous on‑air nicotine experiment and some Kroger pickle‑jar banter to launch into a serious conversation about the power of saying no with your money. From friends asking to “spot me, bro” to sketchy investments, unpaid collabs, lifestyle upgrades, and sponsors that don't feel right, they walk through real scenarios where saying yes can quietly wreck your finances—or your brand—if you're not intentional.​ On this episode we talk about: Eric nearly puking on mic after trying a 6mg mojito ZYN, why “no” would have been the better choice, and how that sets up the theme of the episode.​ How Travis handles friends and family asking for money—why he almost always says no to “investment” pitches now, and how he decides when helping actually becomes enabling.​ When to say yes (and when to stop) with unpaid collaborations, speaking gigs, and local partnerships—plus the story of how saying yes to a low‑ROI volleyball promo still led to a profitable tournament relationship for AuraVela.​ Lifestyle spending boundaries: cars, first‑class flights, subscriptions, Klarna‑financed Chipotle, and how Travis finally justified buying a genuinely nice car after years of driving beaters.​ The importance of asking “Does this matter to me—or just to other people?” before dropping money on status symbols, upgrades, or brand‑driven purchases.​ Eric's recent decision to drop a meaningful podcast sponsor after loyal, long‑time listeners said it felt off, and why he chose long‑term trust over short‑term cash.​ The hidden risks of programmatic ads (like political spots or government agencies slipping in) and how both hosts have had to tighten ad category filters to protect their brands.​ Saying no to shady money: Travis turning down a $3,000 crypto‑related interview offer that required an NDA and looked like reputation rehab for a founder with bad press.​ Top 3 Takeaways Not every “opportunity” is for you. Saying no to friends' investments, high‑risk plays, or repeated bailouts protects your own financial runway and keeps you from funding other people's bad patterns.​ Your brand is worth more than a short‑term check. Dropping a sponsor or declining a stage when it feels misaligned can cost money now but preserves audience trust that's worth far more over a decade.​ Buy for your life, not their approval. Big purchases and lifestyle upgrades should be driven by your values, convenience, and experiences—not by keeping up with people you don't even like.​ Notable Quotes “For investments right now it's basically a no—if I don't have true ‘play money,' I'd rather put it in something more certain than somebody else's ‘sure thing.'”​ “If you're asking me for help the fifth time, at some point I'm not helping—you're just making bad decisions and I'm funding them.”​ “You can have the life you want now and later, but only if you stop buying stuff just to impress people and start asking if it actually matters to you.”​​ ✖️✖️✖️✖️

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Apple lizenziert Googles Gemini-Modell für Siri. Google kündigt das Universal Commerce Protocol an, ein neues E-Commerce-Ökosystem mit Walmart, Shopify und Target – Amazon macht nicht mit. Cloudflare bekommt eine 17-Millionen-Dollar-Strafe von Italien wegen des Piracy Shields und droht, alle Server aus dem Land abzuziehen. Andreessen Horowitz sammelt 15 Milliarden Dollar ein. Trump will Kreditkarten-Zinsen auf 10 Prozent begrenzen und Klarna freut sich. Sam Bankman-Fried wird nicht begnadigt, weil er die Biden-Kampagne unterstützt hat. Grok sorgt weiter für Skandale: UK, Australien und Kanada arbeiten gemeinsam an einem Verbot, während Apple und Google die App nicht aus ihren Stores entfernen. Unterstütze unseren Podcast und entdecke die Angebote unserer Werbepartner auf ⁠⁠⁠⁠⁠doppelgaenger.io/werbung⁠⁠⁠⁠⁠. Vielen Dank!  Philipp Glöckler und Philipp Klöckner sprechen heute über: (00:00:00) Alphabet über 4 Billionen (00:01:00) Apple lizenziert Google Gemini für Siri (00:03:30) Google Universal Commerce Protocol (UCP) (00:15:00) Grok in App-Charts trotz Content-Problemen (00:15:45) Polymarket-Regulierung (00:18:30) Cloudflare vs Italien (00:31:00) Trump begrenzt Kreditkarten-Zinsen auf 10% (00:36:00) Nico Rosberg & Andreessen Horowitz (00:45:30) Anthropic: Claude for Healthcare (00:48:00) Google AI Overview: Gefährliche Gesundheitsantworten (00:54:45) Trump begnadigt Sam Bankman-Fried nicht (00:57:30) Elon Musk Dinner mit Trump & Melania (00:58:30) Grok-Deepfakes: UK, Australien & Kanada planen Ban (01:09:30) Verbraucherschutzecke: Neo-Broker SMS-Scam (01:12:30) OMR Predictions & YouTube-Spam Shownotes Siri und Google Gemini - cnbc.com Ein gut getimter Maduro-Wetteinsatz auf Polymarket zahlte sich aus. - businessinsider.com Cloudflare erwägt Server-Abzug aus Italien wegen Blockade-Anordnung - arstechnica.com Cloudflare Italien - x.com Cloudflare Italien - x.com Trump sagt, Kreditkartenfirmen verstoßen ohne Zinsobergrenze. - bloomberg.com Nico Rosberg sammelt 100 Millionen für VC-Firma - bloomberg.com Wir haben 15 Milliarden Dollar aufgebracht. Warum? - a16z.news Google kündigt neues Protokoll für KI-gestützten Handel an - techcrunch.com Google introduces personalised ads - ft.com Anthropic expands into healthcare a week after OpenAI launched a similar product - businessinsider.com Dangerous and alarming: Google removes some of its AI summaries after users' health put at risk - theguardian.com Meta ernennt Dina Powell McCormick zur Präsidentin und Vizevorsitzenden - axios.com rumps Beitrag auf Truth Social auf X - x.com Keine Begnadigung für Sam Bankman-Fried - btc-echo.de Trump will mit Musk über Internet in Iran sprechen - reuters.com Musk's Grok AI in Indonesien und Malaysia gesperrt - bloomberg.com Grok UK- ft.com Steve Bannon plant 2028 MAGA-Kampagne - axios.com Energy crisis due to AI, OpenAI's downfall, Bitcoin comeback? - youtube.com

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Taking on the Fed. Chair Jerome Powell confirms the central bank has received grand jury subpoenas from the Justice Department — a dramatic escalation in President Trump's fight with the Federal Reserve. The president says he's unaware of the probe. Plus, Wall Street reacting fast, futures sinking and gold jumping to new highs. And later, the president's push to cap credit card rates and home prices. We speak with the CEOs of Klarna and Better Finance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dummies are falling for another "infinite money glitch" because people on the internet are incredibly stupid. Pez has been playing Megabonk which is so much fun and Court tells us about his experiences with Meta Quest 3 S! 

"We were close to closing the company two or three times. Every winter was like, okay, that's it. Goodbye company."Chris Erthel built Meller sunglasses from a Spanish side project into a brand that sells a pair every 28 seconds. Along the way, he helped scale HelloBody from €30M to €107M as fractional CMO before its €330M exit to Henkel. We talked about why US brands fail in Europe, the cultural quirks that kill conversions in Germany, and why Italy requires cash on delivery or you're dead on arrival. He's run 3,500+ A/B tests and shares counterintuitive findings that challenge everything you think you know about landing pages and ad creative.SPONSORSSwym - Wishlists, Back in Stock alerts, & moregetswym.com/kurtCleverific - Smart order editing for Shopifycleverific.comZipify - Build high-converting sales funnelszipify.com/KURTLINKSMeller Brand: https://mellerbrand.com/Weavy AI: https://www.weavy.ai/Rory Flynn (AI Content): https://www.instagram.com/_roryflynn_/Chris Erthel LinkedIn: https://es.linkedin.com/in/chriserthelDiscount Code: CHRISERTHEL (highest discount ever at Meller)WORK WITH KURTApply for Shopify Helpethercycle.com/applySee Our Resultsethercycle.com/workFree Newsletterkurtelster.comThe Unofficial Shopify Podcast is hosted by Kurt Elster and explores the stories behind successful Shopify stores. Get actionable insights, practical strategies, and proven tactics from entrepreneurs who've built thriving ecommerce businesses.

In this episode, host Travis Chappell and producer Eric dig into one of the most dangerous trends in personal finance right now: exploding consumer debt from credit cards and “buy now, pay later” services—and what it reveals about how people actually spend. Using fresh data on U.S. credit card balances and global BNPL usage, they unpack why financing sneakers and burritos is wrecking budgets and what to do instead if you are serious about building wealth.​ On this episode we talk about: Why total U.S. credit card debt has climbed to roughly $1.33 trillion and what that means for everyday households How global “buy now, pay later” balances have surged to an estimated $560 billion, mostly for low‑ticket, nonessential items The top BNPL categories: clothing/fashion, electronics, furniture, and a fast‑growing share going to groceries How big-box stores and delivery apps now let you finance everyday purchases at checkout Why using debt for shoes, hoodies, and gadgets is fundamentally different from financing an HVAC unit or medical bill The psychological impact of seeing 4,000–10,000 marketing messages per day and how that fuels overspending Why blaming the economy while financing lifestyle purchases is a losing combo Practical alternatives: thrift stores, discount retailers, and simply opting out of nonessential buys Top 3 Takeaways If you have to finance it, you probably cannot afford it. Outside of big essentials like housing, transportation, or critical repairs, using credit or BNPL for clothes, tech, or takeout is a red flag. BNPL is still debt, even if it does not hit your credit report (yet). Spreading $60 here and $120 there across Klarna and Affirm quietly piles up into a bill that kills your ability to build wealth. You cannot out-complain your way to financial freedom. The economy may be tough, but personal discipline—saying no to financed lifestyle purchases and focusing on increasing income—is nonnegotiable. Notable Quotes “If you are financing sneakers and handbags and complaining about your finances, you have no right to be complaining.” “Just because it doesn't show up on your credit report doesn't mean it's free money—you still have to pay it back.” “Our parents were dealt a different hand; this is ours. Complaining about housing prices while running up BNPL on clothes is not a strategy.” ✖️✖️✖️✖️

This week on Words With Wista, we're talking federal judges forcing the Trump administration to restore disaster funds to blue states, America living in the United States of Klarna while still spending like everything's fine, and holiday shopping numbers that don't match the economic stress everyone swears they feel. We get into Republicans quietly eyeing 2028, DHS offering cash for self deportation, lawmakers side-eyeing Pam Bondi over redacted Epstein files, and small business owners bracing for ACA subsidy fallout. Plus, we say goodbye to the NYC MetroCard, break down New York's new mental health warnings for social media, Nicki Minaj logging off after peak backlash, Tyler Perry facing another lawsuit, Charlamagne's $200 million podcast flex causing industry tension, and Timothée Chalamet marketing his way into a Christmas box office upset. A lot is happening, and none of it is subtle. IG: itswista Podcast IG/SubStack: wordswithwista

Can't wait until we have to Klarna pay in four our weekly water ration. Intro Music: Out Cold- Nothing Like You Submit music to demolistenpodcast@gmail.com. Become a patron at https://www.patreon.com/demolistenpodcast. Leave us a message at (260)222-8341 Queue: Fuck It, Feeble Minds, Gluskab, S.O.H., Occulted Death Stance, Look Away, Bloque, Modern Guilt, Jeremy Corbyn and the Labour MPs, Circle Five https://fuckitpunk.bandcamp.com/album/no-rest-2 https://feeblemindsfuckyou.bandcamp.com/album/demo-2025 https://gluskab.bandcamp.com/album/demo-2025 https://theseatsofpiss.bandcamp.com/album/s-o-h-se-asia-tour-2025-edition-tsopr-049 https://www.youtube.com/watch?v=9LdMzVD0Emc https://lookaway510.bandcamp.com/album/demo  

We've seen some sky high valuations among AI companies lately, and it appears that Anthropic wants to use investor optimism to go public as early as next year. Competition among Anthropic, OpenAI, and many other artificial intelligence companies is heating up and could have profound impacts on investing decisions. Tyler Crowe, Matt Frankel, and Jon Quast discuss: - Anthropic's IPO - The competitive landscape of the large language models - Klarna's Buy Now, Pay Later offering looking more and more like a credit card - Stocks on our radar Companies discussed: CRWV, FRMI, GOOGL, NVDA, MSFT, META, RIVN, KLAR, SEZL, AMEX, V, MA, KNSL, ALMU, BMI Host: Tyler Crowe Guests: Matt Frankel, Jon Quast Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Black Friday is coming, and you've got two choices: get trampled at 3 a.m. for a discount air fryer, or learn how the pros actually save hundreds without the drama. Joe Saul-Sehy and Neighbor Doug kick off Black Friday week with the perfect blend of strategy and sanity. First up: Australian comedian Josh Liston tries to make sense of American Thanksgiving traditions and why we consider waking up before dawn to fight strangers over discounted electronics "normal holiday fun." Spoiler: he's not buying it. Then Regina Conway from Slick Deals drops in with the actual playbook. Regina breaks down when to shop during Black Friday week (different categories peak on different days), how to stack coupons with cashback and gift card deals for maximum savings, and why subscriptions and memberships might be the smartest budget-friendly gifts you're not considering. She also reveals how the Slick Deals community spots hidden bargains before they disappear—and how you can do the same. But here's where it gets real: Joe, Doug, and Josh tackle Buy Now Pay Later schemes like Affirm and Klarna. They're everywhere this season, and they're tempting. They're also the financial equivalent of eating Halloween candy for breakfast—feels great in the moment, regrettable by lunch. You'll learn exactly when these services make sense (rare) and when they're just a trap disguised as convenience. Whether you're hunting deals or trying to avoid holiday debt, this episode is your survival guide for coming out ahead. What You'll Walk Away With: • Regina Conway's insider strategy for when to shop during Black Friday week (hint: timing matters more than you think) • How to stack coupons, cashback offers, and gift card deals to maximize every purchase • Why subscriptions and memberships make surprisingly smart (and budget-friendly) holiday gifts • Grocery hacks that actually save money during the most expensive shopping weeks of the year • The truth about Buy Now Pay Later—when it's useful and when it's just expensive debt with good marketing • How community-powered deal sites like Slick Deals help you find and vet bargains before they vanish • Smart strategies to enjoy the holidays without the January credit card hangover This Episode Is For You If: • You want Black Friday deals without the 3 a.m. wake-up call or the crowds • You're trying to save money this season but feel overwhelmed by all the "deals" • You've been tempted by Buy Now Pay Later but aren't sure if it's smart or stupid • You want to give great gifts without blowing your budget (or your sanity) • You believe there's a smarter way to shop than fighting strangers for discounted TVs What's Your Black Friday Strategy? Are you a doorbuster warrior, an online deal hunter, or someone who avoids the whole thing? Drop your approach in the comments—and if you've got a Black Friday horror story (or victory), the basement wants to hear it. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-save-big-this-black-friday-regina-conway-1765 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

(Note: A version of this episode originally ran in 2022.)Every time you shop online and make it to the checkout screen, you see those colorful pastel buttons at the bottom. Affirm. Klarna. Afterpay. Asking: Do you want to split your payment into interest-free installments? No credit check needed. Get what you want, right now. That temptation got shoppers like Amelia Schmarzo into some money trouble. Back in 2022, she maxed out her credit card after a month of buying now and paying later. She's not alone. Buy now, pay later is everywhere now. And you can finance almost anything with it. Your clothes, your furniture … even your lips. But if these companies don't charge interest, how do they make money? In short, people buy more stuff using these services and so sellers are willing to pay up. Which makes buy now, pay later, something of a threat to credit card companies. Cue the tussle for your impulse-buying clicks. Today on the show, we find out how the companies work, who's most likely to use these services and who's getting a good deal. And a warning: those little loans will soon be on your credit report. Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode was produced by Emma Peaslee, engineered by Josh Newell and edited by Molly Messick. Our update was reported by Vito Emanuel, produced by Willa Rubin, engineered by Gilly Moon and edited by our executive producer, Alex Goldmark.Music: Universal Music Production - "Retro Funk," "Comin' Back For More," "Reactive Emotion," and "EAT."Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy