Podcasts about Layaway

It's time for a Trapital Mailbag! We dive into hot topics like the Coachella's payment plan debate, Tubi's strategy under Fox, Meta vs the FTC, Lucian Grainge's tenure at UMG, and a special section on how we use AI tools at Trapital! 00:55 Coachella Payment Plans 07:07 Tubi's Long-Term Strategy 15:42 Lucian Grange's Impact on UMG 26:14 Meta and the FTC: A Legal Battle 29:47 AI Tools for Trapital Trapital Summit tickets here: early bird tickets until April 30! Want to be featured in the next partner spotlight? podcast@trapital.com Summit partnership opportunities: summit@trapital.co

Tonight Jimmy Butler returns with his new team, Golden State Warriors to the Kaseya Center for his 1st meeting against the Miami Heat. What will the reaction be towards the former Heat star? Will there be JIMVP chants? Or Will the pain of from the divorce be too fresh? e talk Panthers hickey as there is a report that newly acquired Brad Marchand can be here for a short time and can return back to Boston after the season. Cam Ward wowed at the UM Pro Day and seemed to lock down that #1 pick for the NFL Draft.

(March 25, 2025)Chris Merrill fills in for Bill this week. The parents of the one person in Texas who has died during the current measles outbreak are standing by their decision not to vaccinate their late daughter or her four siblings. In an interview posted on the website of the Children's Health Defense, the un-named mother and father insisted that measles is “good for the body” by reinforcing its defenses. President Donald Trump kicked off the process of dismantling the Department of Education by signing an executive order on Thursday. Under the proposal, initiated by council President Marqueece Harris-Dawson, audience members could be removed from meetings — or banned from attending future ones — for repeatedly uttering the racial slur known as the N-word or the sexist vulgarity known as the C-word. Buy-now-pay-later loans are often used to spread out interest-free payments for expensive purchases such as smartphones, furniture or appliances. Now hungry consumers can add another option to that list: food.

How many South Africans are willing and able to afford their dream holidays, be it going abroad or around the country? Well now South African leisure travellers have been given a new innovative platform to save money and plan for their dream holidays. Rennies BCD Travel have announced the launch of its groundbreaking Vacay Layaway programme. This innovative solution is designed to make dream holidays more accessible to the leisure travel market by allowing travellers to save on their desired trips. Lynn Howarth, Head of Leisure at Rennies BCD Travel.See omnystudio.com/listener for privacy information.

Santi Is MAD Over Lost Skis

Learn the pros and cons of layaway and Buy Now, Pay Later (BNPL) and how to choose the best option for holiday shopping. What is the difference between layaway and Buy Now, Pay Later (BNPL)? Which payment option is better for holiday shopping? Hosts Sean Pyles and Anna Helhoski discuss these two financing tools, how they work, and which might be the smarter choice for holiday shopping. Lauren Schwahn, a writer at NerdWallet who covers credit, debt, budgeting and money, joins Sean and Anna to break down the basics of layaway and BNPL, highlighting differences in payment timing, access to purchased items, and impact on credit. They also discuss when you'll receive your item, the repayment timelines, potential fees for missed payments. why BNPL appeals to Gen Z, and how either option can fit into a shopper's financial strategy. Plus: tips for avoiding pitfalls with BNPL, such as setting payment reminders and avoiding multiple loans. Then, Sean and Anna break down this week's money headlines, including the latest jobs report, the CFPB's crackdown on illegal junk fees, and the rise of market timing among investors. There are a lot of ways to invest money — high-yield savings accounts, CDs, bonds, funds and stocks are all options. To learn more, read NerdWallet's writeup on the best ways to invest money right now: https://www.nerdwallet.com/article/investing/the-best-investments-right-now  In their conversation, the Nerds discuss: buy now pay later, BNPL pros and cons, layaway vs BNPL, holiday shopping tips, budget-friendly shopping, buy now pay later risks, layaway payment plans, how BNPL works, shopping on a budget, avoiding holiday debt, payment plan comparison, layaway benefits, BNPL for Gen Z, holiday financing tips, budgeting for big purchases, holiday shopping savings, credit impact of BNPL, layaway financing, BNPL fees, installment payment plans, choosing BNPL or layaway, holiday gift financing, Klarna, Afterpay guide, Affirm payment plans, layaway history, BNPL for beginners, managing BNPL loans, credit card vs BNPL, smart financing options, how to use layaway, BNPL payment reminders, financing options for gifts, and understanding BNPL terms. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

This Thanksgiving-themed episode of Breaking Battlegrounds celebrates the spirit of gratitude by spotlighting remarkable individuals and organizations making a difference. We're joined by Julie Sullivan of Pay Away the Layaway, helping families in need during the holidays; Danielle Gletow of One Simple Wish, granting life-changing wishes to children in foster care; and Douglas McDermott of The Gift of Gratitude Foundation, honoring those who serve with courage and faith. We also welcome back bestselling author Richard Paul Evans, whose inspiring works, including The Christmas Box and the Michael Vey series, have touched millions of lives. He shares insights into his two newest releases, Christmas in Bethel and Michael Vey: The Colony, delivering messages of hope, love, and adventure. Tune in for inspiring conversations that remind us of the power of giving back and appreciating those around us.www.breakingbattlegrounds.voteTwitter: www.twitter.com/Breaking_BattleFacebook: www.facebook.com/breakingbattlegroundsInstagram: www.instagram.com/breakingbattlegroundsLinkedIn: www.linkedin.com/company/breakingbattlegroundsShow sponsors:Invest YrefyYrefy offers a secure, collateralized portfolio with a strong, fixed rate of return - up to a 10.25%. There is no attack on your principal if you ever need your money back. You can let your investment compound daily, or take your income whenever you choose. Make sure you tell them Sam and Chuck sent you!Learn more at investyrefy.com4Freedom MobileExperience true freedom with 4Freedom Mobile, the exclusive provider offering nationwide coverage on all three major US networks (Verizon, AT&T, and T-Mobile) with just one SIM card. Our service not only connects you but also shields you from data collection by network operators, social media platforms, government agencies, and more.Use code ‘Battleground' to get your first month for $9 and save $10 a month every month after.Learn more at: 4FreedomMobile.comDot VoteWith a .VOTE website, you ensure your political campaign stands out among the competition while simplifying how you reach voters.Learn more at: dotvote.voteAbout our guests:Julie Sullivan is the executive director of Pay Away. For over a decade, Pay Away has been paying off holiday and back-to-school layaway balances, bringing relief to unsuspecting families. Learn more here: https://payaway.org/-Danielle Gletow is the Founder and Executive Director of One Simple Wish. One Simple Wish grants wishes to kids who have faced abuse, neglect, and trauma, allowing them to experience the magic of childhood. Through their innovative platform, they've empowered thousands of donors to make meaningful connections and create brighter futures for foster children nationwide. Learn more here: https://www.onesimplewish.org/-Richard Paul Evans is the #1 bestselling author of The Christmas Box. He has since written 41 consecutive New York Times bestsellers and is one of the few authors in history to have hit both the fiction and non-fiction bestseller lists. There are more than thirty-five million copies of his books in print worldwide, translated into more than 22 languages. He is the recipient of numerous awards, including the American Mothers Book Award, the Romantic Times Best Women's Novel of the Year Award, the German Audience Gold Award for Romance, five Religion Communicators Council Wilbur Awards, The Washington Times Humanitarian of the Century Award, and the Volunteers of America National Empathy Award. Evans lives in Salt Lake City, Utah, with his wife, Keri, and their five children and two grandchildren.Find his books here: https://richardpaulevans.com/-Douglas McDermott is the founder of The Gift of Gratitude Foundation. The Gift of Gratitude Foundation recognizes veterans, peace officers, first responders and medical personnel who serve with honor and selflessness with works of art inspired by stories of faith, prayer, virtue and courage. Learn more here: https://www.giftofgratitudefoundation.com/ Get full access to Breaking Battlegrounds at breakingbattlegrounds.substack.com/subscribe

(00:00-18:45) We've got a big one today, and Doug's as surprised as anyone. Doug, tell us about scrums. Did you get ruined in Nashville? Jackson's freshly shorn. Five-year deal for JIm Montgomery. Hats off to Tim. Blues saw an opportunity to improve the situation and they took it. Rightsholder radio.(18:46-30:10) Big wins for Mizzou and Illinois on Saturday. Both squads 8-3. Illini took down Rutgers in an exciting finish. Penn State escaped a near-loss against Minnesota. Teams found out via Twitter that they were going to their conference championship games. Penalizing teams for losing in the conference championship. Drink got a little banty at the end of the Mississippi State game.(30:11-46:19) Jeremy Rutherford joins us to talk the firing of Drew Bannister and hiring of Jim Montgomery.(46:20-54:16) Tim's four-game parlay. Audio from down on the plains for the ending of Auburn/Texas A&M in overtime. Layaway on lam-buh. The college football overtime rule is a two-point conversion festival. Staring down the barrel of more chaos in tomorrow's CFP rankings. One loss Indiana's resume.  Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(00:00-18:45) We've got a big one today, and Doug's as surprised as anyone. Doug, tell us about scrums. Did you get ruined in Nashville? Jackson's freshly shorn. Five-year deal for JIm Montgomery. Hats off to Tim. Blues saw an opportunity to improve the situation and they took it. Rightsholder radio. (18:46-30:10) Big wins for Mizzou and Illinois on Saturday. Both squads 8-3. Illini took down Rutgers in an exciting finish. Penn State escaped a near-loss against Minnesota. Teams found out via Twitter that they were going to their conference championship games. Penalizing teams for losing in the conference championship. Drink got a little banty at the end of the Mississippi State game. (30:11-46:19) Jeremy Rutherford joins us to talk the firing of Drew Bannister and hiring of Jim Montgomery. (46:20-54:16) Tim's four-game parlay. Audio from down on the plains for the ending of Auburn/Texas A&M in overtime. Layaway on lam-buh. The college football overtime rule is a two-point conversion festival. Staring down the barrel of more chaos in tomorrow's CFP rankings. One loss Indiana's resume.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

 Down Right Sports: NFL Chaos, MLB Playoff Drama, and WNBA Finals Showdown! On this episode of Down Right Sports, Brent Reid, The Notorious Sports Critic, breaks down all the wild action from this week in sports!  NFL Week 6 Madness: What's going on with the Cowboys? Are they falling apart, or is it time for Jerry Jones to finally step aside and let someone else run the show? We'll dive into that, plus the Steelers' QB situation—should they stick with Wilson, or is it Fields' time to shine? And for those looking to make a move, we're talking NFL Buy, Sell, or Layaway—who's for real, who's a bust, and who needs more time in the oven?  MLB Playoff Fireworks: The Mets and Dodgers just gave us an all-timer of a series, and we'll break down why this one's going into the history books as one of the best. Plus, Giancarlo Stanton—has he quietly become the perfect Yankee? We're talking his legacy and what he's meant to the Bronx Bombers.  WNBA Finals Heat Up: Game 3 is here, and it's anyone's series. Can the Liberty figure out how to slow down Napheesa Collier and turn the tide against the Minnesota Lynx? We're diving into what needs to happen for New York to get back on track. It's all happening on this week's Down Right Sports! Subscribe now, and don't miss out on the hot takes, deep dives, and a little bit of everything in between.

First Home Layaway Program: A Family Path to HomeownershipIn this insightful episode of The Mr. Mortgage Show, Mark Eitel introduces a forward-thinking strategy known as the First Home Layaway Program, designed to help parents and grandparents pave the way for their children's future homeownership.This approach involves using equity from their own homes to purchase a rental property in a desirable area. The rent from tenants covers the property's expenses until the child or grandchild is ready to take over, at which point the property is sold to them with a significant gift of equity, often eliminating the need for a down payment.Join us as Mark breaks down the steps, benefits, and considerations of this family-focused investment strategy.Jen is in the studio keeping, woman-ing the anytime hotline and doing her best to keep Mark's ADD in check!Learn more about Mark Eitel, the team, and the Show at www.MrMortgageRadio.com for more information or call/text 1-855-462-7292 the anytime hotlineThanks for tuning in, and we'll see you on the next episode of "The Mr. Mortgage Show"Let's Connect! Feel Free to Call Text or Email Mark Eitel NMLS #1929005Call or Text us: 561-935-5474 (Main Office)Email: mark@mr.mortgage   or  www.MrMortgageRadio.com

✨The prosperity and material items we desire will be revealed in our experience once we begin to live our lives from the Divine energy of love✨

LIVE YO LIFE FOR YOURSELF!?!?!?!?! Follow, Like, Comment & Subscribe! #dayones Discount Codes Here: linktr.ee/latenitewnate​ Another week where we discuss the latest mess like Foozeball, ghosting and so much more! Give it a listen and tell us what you think!

Ben Maller talks about Shohei Ohtani deferring 97% of his Dodgers salary to 2043 and why the Dodgers agreed to it, the ripple effect it will have around baseball, Maller's Mountain of Money: Don Johnson Edition, and more!See omnystudio.com/listener for privacy information.

Who knew Lego could bring such holiday warmth? Join 5 Good News Stories as we dive into a heartwarming tale of a couple who transformed their living room into a seasonal Lego wonderland. Their love for the tiny interlocking bricks took a decidedly festive turn, and they even discovered an unexpected benefit - staying toasty in the winter chill just from the physical exertion of constructing their Lego masterpiece. But the cheer doesn't stop there, folks! We're also bringing you stories of kindness straight from Michigan, where a surplus Christmas tree sparked a chain of generosity that brightened the season for many. Then, brace yourselves as we follow the footsteps of a young aspiring paleontologist whose Christmas morning expedition turned into an extraordinary find. Our festive journey also takes us to a local Walmart, where an anonymous benefactor brought joy to shoppers by clearing all outstanding layaway balances. Finally, gear up for a gripping tale of a perilous journey home during a snowstorm, the stranger who came to the rescue, and the power of belief. It's all about embracing the spirit of Christmas and the incredible power of human kindness. So, are you ready to feel your hearts warming up a notch?This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5747537/advertisement

In this episode of "New Focus on Wealth," certified financial planner Chad Burton discusses various topics related to retirement planning and financial security. He starts by paying tribute to Charlie Munger, vice chairman of Berkshire Hathaway, who recently passed away. Chad then delves into the performance of Berkshire Hathaway over the years and highlights the differences between its A and B shares. He also provides an update on the overall market and discusses the importance of having a dynamic withdrawal strategy in retirement, taking into account factors such as tax planning, healthcare costs, and market cycles. Chad emphasizes the need to track expenses, consider long-term care insurance, and utilize health savings accounts (HSAs) for retirement planning. He concludes by stressing the significance of maintaining good health and staying active in retirement. Listeners are invited to sign up for a webinar on the seven steps for retirement readiness, hosted by Chad and Rob Black. Timestamp: [00:01:33] Charlie Munger's passing. [00:05:24] Value investing performance. [00:09:41] Layaway and credit card usage. [00:13:59] Medicare and supplemental insurance. [00:17:42] Retirement withdrawal strategy. [00:19:16] Endless travel for $2,500. [00:24:18] Running Retirement on Fixed Budget. [00:27:31] Long-term care costs. [00:30:10] Long-term care insurance policies. [00:33:33] Health Savings Account benefits. [00:37:21] A shocking dance floor accident. [00:41:13] The 4% draw rate. [00:45:09] The benefits of EP Wealth's software. [00:47:52] Seven steps to retirement readiness. Email your money question to chad@chadburton.com Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.ChadBurton.com

EP315 - 2023 Turkey5 Recap with Salesforces Rob Garf Episode 315 is a recap of Turkey5 (The five days from Thanksgiving through Cyber Monday) 2023 with Rob Garf, Vice President and General Manager, Retail at Salesforce. This is Robs' Six time on the show, having previously been on episodes 110, 248, 282, 299, and 313. Jason and Scot discuss the "Turkey 5" with their guest Rob Garf, VP and GM for retail at Salesforce. They analyze data from various sources to provide insights into the holiday shopping season. According to the U.S. Department of Commerce, e-commerce grew 7.75% in Q3, while total retail only grew 2%. Jason emphasizes the need for e-commerce to grow at least 7.7% in Q4 to stay on track. Adobe's data shows that Black Friday sales were up 7.5% and Cyber Monday sales were up 12.4% from the previous year. The speakers also discuss data from BigCommerce, MasterCard, and Salesforce, highlighting growth in online sales on Cyber Monday and Black Friday. Rob Garf adds his observations on retail industry trends, noting an increase in demand and robust pricing. He mentions a rebound in demand in Europe, excluding the UK, and highlights retailers' focus on profitability and inventory levels. The discussion then turns to Amazon's innovative advertising approach during a Friday NFL game, where shoppable ads were displayed via QR codes. Jason believes this strategy will benefit Amazon, as it monetizes viewership and reinforces the brand. Discounting played a significant role in driving demand during Cyber Week, with retailers offering an average of 30% off. Consumers were patient, waiting for attractive deals, while retailers managed their inventory and discounting strategies well. The luxury category, however, did not perform as strongly, with only a slight increase or even a decrease in sales. The hosts touch on the resale market and the growing popularity of Buy Now, Pay Later (BNPL) options and mobile wallets. They discuss the potential impact of mobile wallets on shopping behavior and note that BNPL resonates with new consumers and has replaced layaway. Finally, the hosts mention the passing of Charlie Munger and the filing of an IPO by Xi'an, encouraging listeners to support the show and announcing more holiday shopping data and reports on Salesforce.com. 0:00:46 Introduction to the Jason and Scot Show 0:05:04 Black Friday: First Sales for Vendors 0:14:06 Softness in Consumer Electronics and Toys Market 0:14:55 Black Friday and Cyber Monday Impact on Holiday Season Shape 0:16:32 Retailers' Inventory Management and Positive Growth Forecast 0:17:47 Retailers analyzing profitability and customer profitability. 0:18:29 Increase in Demand and Robust Pricing 0:22:34 Amazon's Innovative Advertising and Potential Profitability for Holiday 0:26:27 Discount rates over Cyber Week in comparison to previous years 0:29:04 Retailers' management of inventory and transparency in discounting strategy 0:31:52 Consumer behavior and the rise of Buy Now, Pay Later (BNPL) 0:33:32 Mobile wallets and the impact on checkout process and shopping experiences 0:35:26 Buy Now, Pay Later Growing and Replacing Layaway 0:37:22 Charlie Munger's Passing and Xi'an's IPO Announcement Throughout this episode make liberal use of real-time data from Salesforce Shopping Insights HQ, which tracks how 1.5+ billion consumers are shaping shopping trends. You can see a real-time holiday dashboard, powered by Tableau so you can interact with the data yourself on the Salesforce Holiday Insights page. Episode 313 of the Jason & Scot show was recorded on Tuesday November 28th, 2023.  http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot Show. This is episode 315 being recorded on Tuesday, November 28th. I'm your host, Jason Retail Geek Goldberg, and as usual, I'm here with your co-host, Scot Wingo. Scot: [0:39] Hey, Jason, and welcome back, Jason and Scot Show listeners. Vigilant listeners will remember that we promised you a delicious turkey five Introduction to the Jason and Scot Show [0:47] sandwich starring none other than Rob Garf, VP and GM for retail at Salesforce. And that's what we're delivering today. Rob was here way back on episode 313 on November 8th. And he is back here today to tell us what happened during the Turkey 5. Welcome back, Rob. Rob: [1:05] Thanks for having me, Jason, Scot. Always a pleasure and look forward to getting into some of this really fun data. Scot: [1:12] Yeah, this is your record sixth time. So your old hat here. Before we jump in, we do want to just kind of set the table, keeping with the post-Thanksgiving, theme with some leftovers. I saw what you did there. Yeah. And we, meaning Jason and his army of interns, have gathered a bunch of data from other sources. So we just want to give listeners that, and we know you have your own data, and we want to paint a complete picture. So, Jason, give us the quick and dirty rundown of other data that we've seen out there covering the holiday period so far. Jason: [1:46] Yeah, yeah, yeah. Let's do it. And side note, Rob, we're going to keep making you come back till you get it right. Rob: [1:50] I appreciate it. I'm here. Jason: [1:52] I'll do what you need. Awesome. So, super quick reminder, Q3 data from the U.S. Department of Commerce, e-commerce for the quarter grew 7.75%, over, the previous year. year, total retail only grew 2% from the previous year. And so if you take e-commerce out of total retail, brick and mortar in Q3 2023 only grew 1.08%, so lower than traditional. So when you come into the beginning of Q4 and holiday in particular, in my mind, e-commerce has to grow at 7.7% just to stay at par. And brick-and-mortar has to grow more than that one percent. [2:37] So, and I like to start with the lesser data and work our way up to the gold standard, very best data we have, which is, of course, the Rob Garth. So our friends at adobe which have a different data set but similar methodology and slightly different definition so you can't perfectly compare apples to apples, they said black friday sales were nine point eight billion in the us which is up seven point five percent from the year before so that would basically be right at that par i was just talking about, they said cyber monday was up to twelve point four percent and that was hot off the press so i wasn't able to do the math on what growth rate that was. They said for the whole month of November year to date, that they see November up 4.6% from last year. So kind of below that par. These are all numbers Adobe is giving for e-commerce. [3:26] And of particular note, and I know we'll talk about this more, they've seen a significant uptick in use of Buy Now, Pay Later services, and they've seen deeper discounting than we saw last year. Now, Shopify is really out there with a big news cycle. And I don't want to say they won up Salesforce, but they bought the sphere in Las Vegas and broadcast their data on the outside of the sphere, which visually is, is super cool. But their data isn't so useful because they don't report same store sales. They had a, you know, some unknown basket of merchants that sold a bunch of stuff last year, and they had some unknown basket of merchants that sold more stuff this year, and we don't know if the same merchants were here this year and last year or if they added a bunch of merchants or, or if this is true growth. So, so while the Shopify numbers are interesting, if you're investing in Shopify, they don't tell us a lot about what's happening in the e-commerce world. I did see a super interesting quote from Harley Finkelstein, who's the president of Shopify, and it's possibly, possibly that he just misworded this, but he was excited after Black Friday and he said 17.5, thousand. So $17,500. [4:41] Vendors made their first sale this Black Friday weekend. So I took that to mean, not that they launched on Friday just in time for Black Friday, but that this was their first Black Friday where they sold anything. So that's 17.5 thousand new merchants. [4:58] And then he said, in total, 55 thousand merchants set their all-time daily record on Black Friday. Black Friday: First Sales for Vendors [5:05] And while those two numbers sound impressive, if you kind of think about it for a second, you go, wait, the vast majority of merchants on Shopify that are B2C are going to sell their record. Cyber Monday hasn't happened yet, so take that out of the equation, are going to set their all-time record on Black Friday. So not surprised, you would expect the vast majority of all merchants to set their Black Friday record. And 17.5 thousand of them are new. So what that says is there's only 37 thousand merchants that are a year old on Shopify that sold more this Friday than last year on Black Friday. And that's, I guess, less than I would expect based on the usual reports we get from Shopify. So that, I'll just record that as a moment and our stock analysts that cover Shopify listening on the call can weigh in on that one. [5:58] BigCommerce, a slightly weirder data set. They saw an outlier, they saw 14% growth, but again, random, they're not trying to report at the industry, they're just reporting their clients. And then a particularly interesting one to me is MasterCard. I have a love-hate relationship with MasterCard. Unlike all the rest of you, MasterCard gets a set of data for stores and retailers, so they try to forecast what happened in retail, which is super valuable. Historically, I've seen some weird deviations from MasterCard that make me cautious about their numbers. But this year, they reported Black Friday, they did not report Cyber Monday. Their Black Friday number was up 8.5% year over year for eCommerce. [6:39] Which is at the high side of the mean for all these other datasets. And they reported that on Friday, total retail sales were up 2.5%. But if you back eCommerce out of that number, brick and mortar was only up 1.1%. So basically, I would call all those numbers par with our Q3 numbers. So, that kind of sets the table. Scot, take us through what we learned from Salesforce. Scot: [7:11] Yeah. So, a million questions, Rob. Let's start with, it seems like one of the biggest interesting battle royales is, A, why was Rob's face not on the sphere? And then B, it seems like one of the data sets is saying Cyber Monday is much bigger than Black Friday. And then in your pre-show, you had said you guys are seeing Black Friday exceed Cyber Monday. So let's start there. Which was bigger? Rob: [7:37] Yeah. Well, first of all, I lost the coin flip and Astro or Cody, which are critters in Salesforce world, won. So they got their faces along with Einstein on the sphere a couple of weeks ago during F1. So I'm still going for it next year, but we'll see what happens. But I digress. Let's get into the numbers. So yeah, we are seeing, you called it a battle royal. I appreciate any reference to 1980s wrestling, by the way. So thank you very much, but let's not go down that path. That could be a whole other podcast. But what we are seeing is, as you mentioned, a battle between Cyber Monday and Black Friday for supremacy. [8:19] And they are going back and forth. What we found in our data in 2019, Black Friday eclipsed Cyber Monday and has remained there, especially outside of the United States. And so we're seeing big growth and, you know, partly what's contributing to that is not only Alibaba, which has been in place for some time, but Timu and Xi'an, which I know you gentlemen like to talk about. So regardless what I think, two things based on all the data that you provide, and I appreciate the broad perspective that you share here, is people are actually buying. They might not be buying as much as they were in the past and throughout the pandemic, but But there is demand. And you know, I think that's important because when we look at our numbers and just to put it out there for Cyber Monday, and we can bounce around here wherever you'd like to go, is we chalked our number at 12.6. [9:13] Billion in the United States, and that's a growth of 3%. And I'll call it a healthy growth of 3%. And the reason being is, for the first time in five quarters, we saw growth being generated by increased consumer demand and not just merely higher prices, which is our indicator for inflation. And just to put it in perspective, let me talk about Black Friday here, because you mentioned the battle that's happening here. We saw 16.4 billion in online sales for Black Friday in the US, and that was up 9%. And so, as I mentioned, what this shows us is people are buying. What it's also showing is that there's a high concentration of online sales for those two days. And sure, you two gentlemen are laughing because that's been that way since Cyber Monday was coined in 2005, but there has been a smoothing out of demand, particularly around Cyber Week or cyber five for the last several years, but there's been a stark shift back to those two prominent days. Jason: [10:27] So interesting on the top line numbers, one of the, you mentioned that you're, you're seeing items increase, not just prices, right? Which kind of opens the whole specter of, of it's, we're not just seeing growth for from inflation, right? Are there any categories that you're like going into the holiday? It was like, hey, the growth was in essentials and food and things like that. And discretionary items like apparel and electronics and toys were not doing well. Did you guys see, like, are people opening their wallets on discretionary items or are sales continuing to be these kind of essentials and affordable luxuries? Rob: [11:06] Yeah, it's a mixed bag. And I do want to underscore your point, Jason, around. Growth being generated by more volume and not just higher prices. So that's exactly what we saw. 3% growth when you're seeing 9% increase in inflation is a tough equation to, be profitable and to work out in the consumer's favor. But in this case, we are seeing more demand. And the demand, as I mentioned, is a mixed bag. On one hand, we are seeing really nice growth in areas like makeup and health and beauty, skin care. We're also seeing nice growth in active apparel and active footwear as well. I categorize that actually as comfort. In uncertain times when consumers certainly are looking to really take control of their household balance sheets, oftentimes you migrate to comfort. You know, you can talk about comfort food, but this is just comfort gifting and comfort what you put on your body, both clothes and literally on your skin. And so we are seeing nice growth there where actually, if you think about it over the last 12 months, those categories have been hit a bit in terms of the growth curve. [12:20] And what you're seeing on the other side actually is luxury is softening a little bit, which which I think is important to note because for the last, I mean, gosh, through the pandemic and after, luxury was one of the most, no, not one of the most, was the most resilient categories. And we're starting to see a bit of breaking down, especially around the aspirational luxury side. So we're going to keep an eye on that. I will mention one other thing, actually, as it relates to categories that are doing well in the holiday and that is food and beverage and gifting, you know, in terms of. What people look to for comfort and experiences, they are gifting chocolate, they're gifting wine, they're gifting various gift baskets. We saw really strong growth, even starting, you know, the Tuesday before Thanksgiving and working its way through the entire holiday. Jason: [13:22] Interesting. One category or two categories that come up a lot, like coming into holiday, electronics had been in a pretty big swamp, like for the whole pandemic. And I'm curious, I've seen conflicting data about whether electronics are back or whether they're still soft. Traditionally, electronics would be one of the fastest movers for holiday. Rob: [13:43] Of course, of course. Yeah, I mean, consumer electronics, toys, right? Those two are still pretty soft. I think you really though need to put it in perspective in terms of the astronomical growth we saw on those categories over the last four years. I haven't done the math. You're really good at this, Jason. So I'm gonna put you to task maybe on your next LinkedIn post, but I am willing to wager, and I'm not a betting person, so I'm not really willing Softness in Consumer Electronics and Toys Market [14:07] to wager, but I'd love to see the CAGR of those categories over the last four years. I'm guessing they're in really strong, like high team growth, which any retailer would be happy with that on a given holiday time period. So there is a bit of softening, but I think it's really important to understand it in context with the growth that they've seen over the last several years. Scot: [14:32] Cool. Um, so, you know, with these good showings and Cyber Monday and Black Friday, what's that mean for the rest of the season? Are you guys like doubling your forecast, tripling or, and what's that mean for the shape? We talk a lot about the shape of the holiday. Any, any, any changes to your thoughts on those? Rob: [14:49] Yeah. The shape or the anatomy. I've been asked this by a lot of retail executives because they're being asked by their board, like, are you sandbagging us? Black Friday and Cyber Monday Impact on Holiday Season Shape [14:59] We need to really relook at this forecast. We crawled through the data over the last couple of days just to look through our model and see if we could see the data in different ways through different lenses. The reality is what we're seeing is that Black Friday and Cyber Monday were taking market share from the bookends of the holiday, from earlier on and later on, right before the shipping cutoff date. And so for the last five years or so, we have been seeing a smoothing out of demand for the seven days that we define as Cyber Week, Tuesday before Thanksgiving through Cyber Monday. And Thanksgiving became a really strong and important day, especially on the mobile device, especially as consumers. [15:47] Either being distracted or inspired, whichever you want to think about it, on the couch after Thanksgiving meal, looking at social. [15:54] But we've seen a snapback of the higher concentration of Black Friday and Cyber Monday. So it's not like there's incremental sales, and that's what I think you were getting at, right? I don't think there's incremental sales that we can now account for. We're still staying to our forecast of 1% growth in the US for November and December. That's how we define holiday and in the US and we're looking at 4% growth globally, really led by Europe. And I want to just put a caveat on this. Not only again, are we seeing that growth come from increased demand, but retailers have gotten smarter. Retailers' Inventory Management and Positive Growth Forecast [16:33] I don't know if it's smarter, but they were very deliberate going into this holiday starting six months ago about managing inventory levels and margins. So there's been a lot of talk about how are we going to handle shipping? How are we going to handle our return policies? And also, how are we going to think about our open to buys? And so I think most retail executives, especially on the merchandising side, are feeling pretty good because they're working their way through the inventory, which by the way, as you know, has been a big glut over the last couple of years, especially in 2021, when so many products were stuck in the port of LA. I mean, that just created this bullwhip effect that we're still just getting our arms around now and getting over the hump. And so that's my long way of saying is we're not reforecasting. We still feel positive with that 1% and 4% growth in U.S. and global, respectively, because. [17:24] Retailers are taking a very close look at overall profitability and this concept of customer profitability as well. Scot: [17:32] Yeah. You'd said, so it seems like the curve was kind of flattening out and now it's like steepening again it's like kind of coming in at the edges and in kind of like shaping up in the middle part of the bell curve which is like the that, Retailers analyzing profitability and customer profitability. [17:48] cyber week. Is that that's right. Okay. Rob: [17:51] That's really good. Yeah. It's kind of snapped back. Right. Yeah. Definitely. Yeah. Scot: [17:56] It's going to make that sound. Rob: [17:58] Where's the sound effects in turn? Are they there? Are they on call? Can we get that bullying? Jason: [18:02] I'll be adding that in post. Scot: [18:06] You had said something that kind of piqued my interest. You said people are kind of, you know, I may be rephrasing this wrong, but you said kind of demand is back. Like I knew it almost felt like you were saying before there was, you know, people were shopping, but it didn't seem like, you know, a new increase in demand. And now it is because you're seeing robustness in pricing and stuff. Is that say a little bit more about that? I'll make sure I understand what you were saying. Increase in Demand and Robust Pricing Rob: [18:32] Yeah, you got it. So yes. And I, again, and don't think retail executives are doing backflips and thinking that we're getting back to roaring double-digit, growth coming out of the holiday. But what this is an indication, and by the way, we're seeing this as a leading indicator in Europe, let's exclude the UK, which is probably in the same rebound curve as the United States and Canada, but you take continental Europe and who are about two, maybe three quarters ahead of us in terms of the rebound, we're seeing inflation settle, the average selling prices settle down and people are buying more. So we're seeing average orders volume higher. We're seeing slight uptick in units per transaction, only slight. But the order piece is super interesting. We're seeing traffic. We're seeing continued really strong traffic. People are just really being diligent and patient and shopping a lot and looking for the best deals. And we'll have to talk about that in terms of what discounting patterns we saw as well. So that's my long way of saying Scot is people are buying more, they're doing it. By still making trade-offs. So there is a sense of let's load up on some essentials while we're getting good deals. [19:57] Let's look for travel, entertainment, like experiences. And you have to also think of the adjacent categories like luggage, as an example, if you're going on a trip, do you need something new to put your clothes in? And though they are, again, increasing, as I mentioned. So as I think about the sentiment, even with a 1% in the US growth, 4% global is what we're forecasting for the full holiday, retailers are feeling good about that. They want to exit this holiday on a really good foundation of profitability, a really good foundation on inventory levels. And most every retailer I'm talking to has a growth mindset. They're thinking about customer acquisition, finding new ways to do that because customer acquisition costs are still off the charts, but also loyalty, finding new ways to create stickiness, looking for adjacent categories, adjacent services, looking for partnerships to supplement what they're doing organically. And I mean, this would take us down a whole other path, but they're leaning into data. They're leaning into AI to better understand who those consumers are and what they're likely to buy and making sure they're able to create profitable customers. How was that soapbox? I just rattled off too much, too fast. Jason: [21:13] So hopefully you were able to digest it. But you kind of, you glossed over what they're really looking at is just selling ads to brands. Rob: [21:18] That's fair. Thank you. I could have just said that. You're right. That's a very good point. And yeah, we could, I love your take actually, seriously, given that on Amazon's move for the football game on Friday. Jason: [21:31] Yeah. So that's a great point. And maybe just to catch up listeners that might not have followed it. Something very different and unique for this year is that the NFL, you know, normally they have a Thursday game and they have Sunday games and a Monday night game. On Thanksgiving, they have Thursday day games during Thanksgiving. This year, they added a Friday game for the first time. And the sponsor of that Friday game was Amazon. It was broadcast on Amazon Prime, and Amazon actually had shoppable ads via QR codes in the broadcast, all sort of innovative, cool, new stuff. [22:11] The early read is that the viewership was pretty good for the Friday game. There's no history, so we have nothing to compare it to. I would argue fewer people are going and standing in line at brick and mortar stores for door busters. You know, the little bit of data we do have on brick and mortar shows that, like, there wasn't a huge, huge spike in in-store shopping. I feel like Friday has become more of an online shopping day, Amazon's Innovative Advertising and Potential Profitability for Holiday [22:36] which means people are home more, which means there's an opportunity to watch a football game. I kind of don't imagine that the interactive ad formats, like, you know, we're high volume and really move the needle, but they're innovative. And I do think that that Friday game is likely to be a new tradition as the holiday shopping season goes from an omni-channel thing to an online thing. At least that's my POV. Rob: [23:03] Yeah, I am super interested in your point of view given how close you are to this. So I guess I'm gonna put you on the spot. Wow, look at me, I'm totally turning the table here, but this has been on my mind. And actually, interestingly enough, over the weekend at a party, somebody who's not in like retail, you know, he shops. That's the extent of it. He pointed out what Amazon did and thought it was really clever. So what did I hear? Like, did they spend a hundred million dollars for that? Regardless, do you think they made the money back going to your point, Jason, on selling ad space in there and kind of even if it's a break even and or they're gaining more prime members, it was a good day for Amazon? Jason: [23:42] Yeah, I am pretty confident it was a good day for Amazon. Like, one thing to remember is Amazon has a better model for monetizing eyeballs than anyone else, right? So, like, if you're Coca-Cola and you sponsor a football game, you're trying to get eyeballs and the only way you have to monetize those eyeballs is to get them to drink more Coke. Rob: [24:03] Right. Jason: [24:04] If you're Amazon, here's what you do. You get a bunch of eyeballs. You try to sell them something that you make money on. And after you do that, you sell ads to other people for more than you paid. And they try to sell something to that person, right? And so, you know, the combination of the ad revenue that Amazon generates and the top of funnel, and bottom of funnel benefit that Amazon gets, again, they're building their brand. Your friend that was just talking to you, he wasn't talking about a particular product he was shopping for. The brand he remembers is Amazon, right? And so you got that Amazon top of the funnel benefit, which is valuable and important. Amazon probably sold some stuff to people. So you got that Amazon bottom of funnel benefit. And then we know Amazon sold a bunch of ads, which is, you know, a huge, huge driver of incremental profit. So yeah, I definitely think we can call Amazon a winner there. I think when it all settles, we're also going to see that it was just a pretty good sales day for Amazon as well. Rob: [25:09] Yeah, I bet you're right. Yeah. The last point and then we can move on and by the way, welcome to episode one of the Rob Garf podcast, is the fact that I mean, knowing Amazon, those ads that you're getting are personalized in terms of them understanding who you are and even if it's a different size or a different brand or a different you know, whatever, even what they know about what's in your shopping cart, what you bought in the past. So anyways, it sounds like, as I would have suspected, you're pretty bullish about it and I am too. Jason: [25:37] So yeah, I do want to cover something just kind of fundamental. So, so we rebounded a little bit and we got bigger sales on, on Friday and Monday. Potentially we might've just pulled some sales in that were going to happen later in the month per your, your comments about not wanting to re-forecast. Did we partly pull those in by giving deeper discounts than we usually give? Like what, what did you see from a discounting standpoint and what does that say about potential profitability for Holiday? Rob: [26:03] Yeah, yeah. Yeah. So we actually looked at this going into the Holiday and we went back to 2019 and I have the team look at discount rates starting in November 1st for 2019, 2021, and 2023, what we had anticipated for this year. And what we saw and actually came true is we saw discount rates over Cyber Week hover just north of where they were in 2019. Discount rates over Cyber Week in comparison to previous years [26:31] Don't forget, 2021, there were the lowest discount rates that we've seen because the product just wasn't there. So retailers, it was the first time they won the game of Discount Chicken. The short answer is yes. Retailers did discount the heaviest they have all year, right around 30% on average. And I think that's important. It's on average. I mean, we've all seen discounts of 40%, 50%, really creative discounting strategies. And so that definitely drove demand. I mean, going back to the consumer, while they're buying more, they're making trade-offs and they were really diligent. [27:09] They were really patient and they waited and they waited and they ultimately saw the attractive deals starting in earnest on Black Friday. They weren't even that great on the Monday, Tuesday, I'm sorry, the Tuesday, Wednesday, and Thanksgiving, Thursday until Black Friday, and then they started to buy. So they held out and they ultimately purchased those attractive deals. In terms of margin, I think we're doing okay. And the secret here is when we looked at the data, given all the inflation that happened, And actually, consumers are still, even with these deep discounts, paying more than they were in 2019. The optics are there. They're feeling like they're getting a good deal, but the reality is they're still spending more. So I think they'll be okay. And there wasn't this protracted discounting that did happen. And because they manage their inventory well, the retailers, and their discounting strategy as well, I don't think they're going to be forced with the hail Mary discounts that you often see right before the shipping cutoff date. So I think that retailers actually managed it pretty well. I give them credit too, by the way, what we saw in our data as well is retailers were a lot more transparent around their discounting strategy. [28:23] Many were offering price match guarantees. If they saw, you know, the consumer saw the price for less, and they were also much more transparent around their return policies as well. So people felt a little more comfortable buying earlier, even if the prices weren't exactly where they wanted it. So the long of it is, or the short of it, whichever way I look at it, is there were healthy discounts. Consumers took advantage of them. I'm still feeling more positive, especially than I have from last year, about margins. Scot: [28:57] Cool. You said something I want to dig into, and then I want to pivot to be in PL. You said luxury was a little soft. What do we make of that? Retailers' management of inventory and transparency in discounting strategy Rob: [29:06] Yeah, and like I said, it's had a run, like I haven't seen before in any one category. I mean, don't get me wrong. Consumer electronics really strong and some other categories in the pandemic home looked really strong as well. But it continued after the pandemic, both in store and online. What we saw compared again, just to put in perspective, three percent increase on Cyber Monday in the U.S., nine percent increase in Black Friday in the U.S. [29:34] There was a tick low beyond flat for luxury. What it also showed is they started to. [29:41] Discount more than they typically do. You think of luxury, they're going to hold their really price and be sensitive around preserving their brand and their margins. And we were seeing that tick up as well. I think the ultra luxury is still alive and kicking, no problem. It's more of that aspirational luxury. One area that I think is really important to point out is the resale market. More and more luxury brands are playing in the luxury market game. I'm sorry, the resale market game, because they realize people are doing it anyways, and they might as well offer that in many cases on their own website. So like Coach as an example, Canada Goose as an example, have the capability to exchange product, which then allows existing customers to likely buy something at a higher price point. And then if the product is in good enough shape, they're able to resell it and allow for aspirational shoppers to actually access that brand and buy it where they might not have been able to in the past. So yeah, I'm not overly concerned about luxury. I mean, the brands are so strong and there's so much loyalty there, but it just does show that in the aspirational space, people are trading down to a degree. [30:55] You know, they're trading down for value in the resale market. In many cases, they're trading down for vintage. It's amazing to see how many, you know, sneaker brands and specific models are hot that we all remember from our high school days. And you know, even the younger generations like to save the world a little bit as well. Scot: [31:14] Yeah. So I guess what I'm getting at is, do we think the consumer's rolling over and that's kind of the BNPL question too, because one way to read BNPL increasing is people are under financial stress. So they're stretching out payments. Another way is, you know, seeing all this data and it's always sponsored by one of the BNPL providers. So I'm never sure how to take it, but it shows that, you know, millennials and Gen Zers like, they don't like open credit. And it's weird because my kids have this perspective too. I thought it was like, I thought it was totally made up and then they're like, oh no, I, you know, I hate having like these credit cards with big limits. And I'm like, well, if you don't use it, it doesn't matter. It just makes them Consumer behavior and the rise of Buy Now, Pay Later (BNPL) [31:52] nervous for some reason. And do you think it's a generational thing or is it a little sign of softness on the consumer? And maybe the luxury is another indication that it feels like the consumer is rolling over a little bit or you don't see that. Rob: [32:06] Yeah, I mean, I think it is a bit generational to your point. I don't have those data's points to substantiate what you're describing. But a lot of what I learned is from my 17-year-old and 14-year-old because they're right in the smack dab of purchasing and trends and so forth. Don't worry, we have a lot more data at Salesforce to back this up, billions and billions of shoppers. But in any case, the anecdotes definitely help provide a full commentary. But we saw an outpay later over Cyber Week increase 7%. So that's healthy. It's a little slower than we've seen in past. What we're also seeing, and it started last year, is it's on lower and lower price point merchandise. So that also speaks to the adoption as well. It's not just on the big ticket items. I think if I zoom out for a moment as well, mobile wallets were really strong. Mobile wallets were really strong. We saw about a 50% increase year over year in that. Now, of course, it's a smaller base than traditional credit cards and debit cards. But still, it's showing the adoption because it's really breaking down the friction in the checkout process. But we keep a close eye on buy now, pay later, because you're right. It could be an indication, especially as consumers look to buy lower price merchandise, that it might be a softening in the market. But we're not quite there in proclaiming that. Scot: [33:25] You said a mobile wallet. That is catnip for retail geek, so I'll get out of his way. I bet he has a million questions. Jason: [33:32] Yeah, no, Scot knows I love a good mobile wallet and I'm sure everyone's already heard this, Mobile wallets and the impact on checkout process and shopping experiences [33:37] but I have a hypothesis that some of the popular shopping behaviors we see in Asia aren't as popular here because we don't have as good a penetration of mobile wallets and that if you have mobile wallets, it makes certain experiences like shopping on social media and things like that easier because it only requires one hand instead of three hands. So I'd be curious, do you guys think you're seeing more mobile wallet users, or do you think you're seeing more transaction from the existing users, or do you have the ability to? To see between those two? I suspect I just asked you a question you're going to now have to go do research on. Rob: [34:17] Nick Neumann We may have that based on some of the primary research we do. We don't have access to personally identifiable information, so we can't see by user. But my thesis there is it's both. There are more people adopting mobile wallets because they see the convenience and the friction that's removed. And then once that happens, they're buying more. I think you go back to the Amazon example, part of why that's probably a home run for them is because it's a lot easier for somebody to buy in that form factor than let's say Roku or other Verizon user interfaces that you don't have a wallet associated with it. I didn't go through the shopping process on the Friday NFL game, but I can only imagine it was much easier than having to do it through other types of media. So I think that, yeah, I agree by the way, with your hypothesis that, you know, embedded commerce or shopping at the edge has been a bit stunted because, the wallet piece is not there or as accessible as it is in other countries. Buy Now, Pay Later Growing and Replacing Layaway Jason: [35:30] Yeah. Two things I'll just throw out there on buy now, pay later. I mean, I do, I think it, it legitimately resonates with the new crop of consumers. And so I think it's growing for all the reasons that the Buy Now Pay Later people claim it's growing. But I would, there's two accelerators that are just kind of convenient in there. Holiday used to be a big time for this payment method that the youngsters on the call wouldn't have heard of called the layaway. And almost no retailer that I'm aware of has brought back layaway, like they all retired it in the last several years, largely because Buy Now Pay Later has replaced it. And so, you know, layaway is most popular around holiday. So, you know, to the extent that buy now pay later is the digital version of layaway. It kind of makes sense that you would see a spike over a holiday. Also, digital is growing much faster than brick and mortar. Buy Now, Pay Later is disproportionately online. So that, you know, is another reason you would expect Buy Now, Pay Later to spike. One thing that's a little alarming slash interesting to me is that Buy Now, Pay Later gets used for a wider range of purchases and merchandise than LayAway did. Like, LayAway tended to be big ticket items, your kid's aspirational toys, but Buy Now Pay Later gets used for food and consumables and things that economically you would argue probably don't want to be financing something that you need to rebuy every month. Rob: [36:52] Yes. Jason: [36:53] So I'll just throw that out there on Buy Now Pay Later. We are coming up on our allotted time. I do have two other pieces of news that just kind of interrupted the Turkey Five news cycle. And one of them I'm super sad about, and it's actual breaking news that happened while we were recording this show, Charlie Munger just passed away at 99. Rob: [37:13] Oh, wow. Scot: [37:14] That's terrible. Jason: [37:15] Warren Buffett's partner, and I just, I feel like, very admirable person. I've learned a lot. He and Warren Buffett, like, are super generous with sharing Charlie Munger's Passing and Xi'an's IPO Announcement [37:23] all this thought leadership, and I just want to say best wishes to all his family and loved ones. Seems like you had an amazing life. Rob: [37:31] Yeah, I echo your sentiment. Jason: [37:33] Yep. And then in the middle of Cyber 5, you guys teased this a couple of times talking about Xi'an. and Xi'an disclosed that they filed an IPO. So that came out yesterday. It's a confidential IPO, so we won't actually see the prospectus until probably 2024 sometime. Okay. And the theory is that it's going to be, because of their not super transparent ownership structure and their Chinese ownership, it's gonna have extra regulatory scrutiny. And so the reason you'd file a confidential IPO is so you could start talking to regulators and negotiating what you're gonna do and what you're gonna disclose. And so they're probably working through all that stuff to then do the public IPO later. But it's, I'm excited for when that gets disclosed because there's a lot of speculation about how big Shein is and how profitable or unprofitable their model has been. And we're gonna be able to do away with all that speculation and get some real certified data. Rob: [38:38] I can't wait to listen to that show when you dissect that. It will be super interesting to see where they're allocating the investment and the capital. Beyond, obviously, hiring people, but what parts of the business. Jason: [38:51] I totally agree and that's going to be a great place to leave it because we have used up our allotted time. Rob, so grateful and congratulations on being our first six-time guest. And as per usual, if you enjoyed this episode or it was useful to us in any way, the two ways you can reward us are to do a giant enterprise contract for all your marketing services with Salesforce.com or, you can leave a five-star review on iTunes for Scot and I. So, you know, those are the two paths, choose whichever one makes most financial sense to you, but appreciate it if you do one or the other. Rob: [39:29] Yeah. And if I could say too, I know we're running up against time, but I want to give a big, sincere thank you. Obviously we just came out of Thanksgiving, so I want to show my gratitude. You know, it's amazing. Anytime I'm on the show, the people that reach out to me, not only talking about the show, but how much they've learned from you. And so for you to trust me and providing my perspective and Salesforce perspective means a lot and just thanks for being such good friends. Scot: [39:56] Robert Leonard Jason said, no, but I overrode him just so you know the history. I thought, you know, Jason's like, I'm the retail geek. We don't need any Garfies in here. Rob, remind us where could people go? You guys will be updating your data. I assume, you know, this is the last time you'll be on for this year, but I'm sure you'll be publishing more data as we get deeper in the holiday. Where do people go to see that? Rob: [40:19] Jason Cosper Yeah, we have our Shopping Insights HQ on salesforce.com. We will be updating the information. We'll do a mid-season report right around the shipping cutoff window, and then we'll do an all-wrapped-up just around the beginning of NRF. So keep an eye out. Scot: [40:34] Awesome. Well, thanks, everyone, and until next time... Jason: [40:38] Happy commercing!

Steph Wall talks about her fourth and latest album My Angels, released on September 15, 2023. Steph is a singer-songwriter who has learned her craft by ear with influence from the New Orleans tradition, being affiliated with a sub-community of Vancouver jazz expats there since the days of the Rossi Gang in the early 2010s. My Angels has a diversity of genres across its tracklist and features Stephen Nikleva on guitar, Joe Abbott on saxophone, Wynston Minckler on bass, and Nick James on drums – as well as more contributions from Allie O'Neill, Jeremy Parkin, Noah Franche-Nolan, and Noah Walker.Steph played release shows in Nanaimo at the Vault, in Victoria at the Layaway, and here in Vancouver at the Anza Club in support of the new album. She also has My Angels T-shirts and cassettes available for sale.Become a member for free today at rhythmchanges.ca.

The controversial 1973 commercial for the memory game Hüsker Dü inspired this episode in which we pepper each other with questions that all start with the phrase "Do you remember ....?" It's a rapid-fire round-up of random things that intrigue us but don't warrant an entire episode. We're talking about Rerun and doobies (or Doobies) and Mouseketeers and Gnip Gnop and our deep-seated fear that touching a Ford Pinto would blow up the world. That's just a small taste of the topics that popped up on in this conversation that could only happen amongst Gen Xers.

Logline: Left by their mother to fend for themselves, two siblings in Iowa learn to live by their own code, until a choice becomes a secret that tests their trust in each other. @kbusbee (instagram) www.kaitlynbusbee.com @bridgetfrancesharris @swanson.kai We are live, on-location at the TCL Chinese Theatre for the 19th annual Oscar Qualifying ⁠HollyShorts Film Festival⁠, as the official podcast partner. These shorter, special episodes are with selected filmmakers. You can also watch all HollyShorts interviews on our YouTube Channel Cinematography for Actors: https://youtube.com/@cinematographyforactors Can't make it to the festival in person? Watch the films at https://bitpixtv.com/programs/hsff-23-pre-roll-final-87100d and use code HSFF2023CFA for 20% off!  For our listeners, CFA has teamed up with ⁠We Make Movies⁠ to get you a discount on production management services, including access to comprehensive production insurance and workers' comp for your next shoot. Visit ⁠wemakemovies.org/insurance⁠ and use code CFA23 on your intake form for 10% off your quote. Follow us wherever you listen to your podcasts to keep up to date on new episode releases.  A huge thank you to our sponsors: Apogee, FilmTools, Rosco, Lightstone Rentals, Deity, Canon, and First Mile Technologies. Website: https://⁠www.cinematographyforactors.com⁠ Instagram: ⁠https://www.instagram.com/cinematographyforactors⁠ TikTok: ⁠https://www.tiktok.com/@cinematographyforactors⁠ ⁠Cinematography for Actors⁠ is a community aimed at bridging the gap between talent & crew through our ⁠weekly podcast⁠ & community events. Our weekly show supports the filmmaking community through transparent, honest & technically focused interviews with the goal of elevating the art of effective storytelling. Join the CFA Community, sign up to our newsletter: ⁠https://mailchi.mp/e27e1a2bc895/newsletter⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/cinematographyforactors/support

This week the fellas dive into Venmo and Microsoft, pizza scented controllers, the questions get OUT OF HAND and much much more! Articles: You can now Venmo new Xbox Games https://www.theverge.com/2023/7/26/23808367/venmo-xbox-microsoft-store-support Microsoft has created a pizza-scented Xbox controller https://www.theverge.com/2023/7/24/23805501/microsoft-xbox-pizza-scented-controller-tmnt-teenage-mutant-ninja-turtles PS5 Exclusive Ratchet & Clank: Rift Apart will officially Run on Steam Deck https://www.theverge.com/23807710/ratchet-clank-rift-apart-steam-deck-verified Game On: LeBron James Discusses His Collaboration with Playstation https://hypebeast.com/2023/7/lebron-james-playstation-5-controller-cover-interview-release-date Learn more about your ad choices. Visit megaphone.fm/adchoices

This week the fellas dive into Venmo and Microsoft, pizza scented controllers, the questions get OUT OF HAND and much much more! Articles: You can now Venmo new Xbox Games Microsoft has created a pizza-scented Xbox controller PS5 Exclusive Ratchet & Clank: Rift Apart will officially Run on Steam Deck Game On: LeBron James Discusses His Collaboration with Playstation

On this episode of the Harder Brunch Podcast, we talk with Aisha the Comedian (@bigbodyesha) about social media savvy, Donnie Bracso, and having sex before a show… Welcome to the Harder Brunch Podcast, where we blend the finest flavors of comedy and culture, dishing out engaging and entertaining conversations with a diverse array of personalities from across various industries. We invite guests rocking the worlds of stand-up comedy, food service, entrepreneurship, and beyond each week. Our podcast celebrates good vibes and the magic that unfolds when you gather people around a table. We treat our guests to a delicious five-course brunch and then dive into intriguing conversations that'll have you craving more. Each episode of the Harder Brunch Podcast features an exceptional lineup of guests, including comedians making their mark on the stand-up scene, passionate food truck owners, talented musicians, and innovative entrepreneurs. As we share a delectable brunch specially prepared for our guests, we dive into deep and entertaining conversations that cover a range of topics - from the creative process behind stand-up comedy to the challenges of running a food business and everything in between. The Harder Brunch Podcast nourishes the mind, body, and soul with its unique fusion of humor, culture, and insight. Whether you're a comedy enthusiast, a food lover, or simply someone who appreciates thought-provoking conversations, our podcast is guaranteed to leave you feeling inspired, informed, and thoroughly entertained. So, pull up a chair, grab a plate, and get ready to indulge in the most satisfying brunch experience you'll ever have - the Harder Brunch Podcast! Remember to subscribe and tune in every Monday for a fresh serving of food, fun, and fascinating discussions with the personalities shaping our world today.

You can become a Patreon and support more videos like this https://www.patreon.com/phillipmcknightKYG?fan_landing=trueHere are some other products from a dealer I trust and buy from onlinehttps://sweetwater.sjv.io/oejk7gKnow Your Gear Facebookhttps://www.facebook.com/Knowyourgear/My guitar set up tools https://stewmac.sjv.io/jWE9W6Want to have your product on an episode? Contact us herehttps://knowyourgearpodcast.com/want-a-review%3FPickinnputtinPickinnputtin-Music and golf with guests from both worlds. Weekly podcast featuring...Listen on: Apple Podcasts SpotifySupport the show

Time for a Friday Flight- our sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: getting paid to move, credit contradictions, more affordable mortgages, avoiding green loans, affordable used cars, RIP Bolt, small business 401k offerings getting big, poor stock picker performance, fortune tellers or financial advisors, free fixes for your broken stuff, gadgets to gift cards, blowing your budget on surplus food, Matt's beef with Frankie, and lasagna on layaway.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Join Tommy and Dani with special guest Nikia Porter, host of the Knowledge 2 Currency Podcast. New episodes of Lyfe n' Shyt premiere every Wednesday! Join Tommy and Daneyel Walker, a power couple and business owners, on their journey overcoming fears, boundaries, marriage, family, lifestyle, business, and any other shyt you can think of. They're two individuals who came together to create one unit, with one mind, and one goal. #podcast #lyfenshyt #tommywalker #daneyellewalker #fears #boundaries #marriage #family #lifestyle #business --- Support this podcast: https://podcasters.spotify.com/pod/show/lyfenshyt/support

From aeion7: Layaway Layaway More on http://songaday.netscrap.com

Keysha E. is here! We talk about Keysha being a technical nerd, but Keysha is no geek. Keysha is self described as a Motown baby. She is from Detroit. A rising star in Los Angeles comedy scene, and she even has her own show on the Kevonstage App called Black Card off Layaway. You can follow Keysha E on IG: @itskeysha.e Hosted on Acast. See acast.com/privacy for more information.

Rockies fans and players deserve more than they've received in recent time, so Patrick and Suzie discuss the ultimate gifts for Colorado during this festive time of year. What do fans feel the Rockies deserve? Has Colorado already received some literal coal? And what should ever prospect in the system receive? We also take a look at the Christmas birthdays and transactions, as well as whether or not Ezequiel Tovar is already the second-best shortstop in the NL West. Connor Joe's departure leaves Rockies fans with a void in their heart by Patrick Lyons BUY TICKETS HERE: https://gametime.hnyj8s.net/c/3442941/1410626/10874 TAILGATE WITH US: https://bit.ly/3fwCPha  Breck Brew Nice List Sweepstakes: https://www.breckbrew.com/blog/nicelistsweepstakes/ Visit https://dkng.co/DNVR to sign up for DraftKings Sportsbook using the code “DNVR” If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800- GAMBLER (1-800-426-2537) (IL/IN/LA/MI/NJ/PA/TN/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/KS/NH), 888-789-7777/visithttp://ccpg.org (CT), 1-800-BETS OFF (IA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), or 1-888-532-3500 (VA). 21+ (18+ NH/WY). Physically present in AZ/CO/CT/IL/IN/IA/KS/LA(select parishes)/MI/NH/NJ/NY/OR/PA/TN/VA/WV/WY only. $150 in Free bets: New customers only. Min. $5 deposit. Min $5 pregame moneyline bet. Bet must win. $150 issued as six (6) $25 free bets. Ends 12/31/22 @ 11:59pm ET. Stepped Up SGP: 1 Token issued per eligible game. Opt in req. Min $1 bet. Max bet limits apply. Min. 3-leg. Each leg min. -300 odds, total bet +100 odds or longer. 10+ leg req. for 100% boost. Ends 1/8/23 @ 8pm ET. See eligibility & terms at sportsbook.draftkings.com/footballterms. When you shop through links in the description, we may earn affiliate commissions. Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Learn more about your ad choices. Visit megaphone.fm/adchoices

Buy Now, Pay Later, Layaway, iPhone Update Plan, Recap Wraps, and more in the Time Sink Black Friday Numbers Black Friday Shoppers Buy Now, Pay Later Minecraft in Minecraft

Random acts of kindness spike during the holiday season, but make a commitment to continue random acts of kindness through the new year!Support me on Patreon!Twitter:  @elliottspeaksInstagram: @elliottspeaks

Today, our ladies are coming off of the high of another round of holidays. And yes - in their world - popular days known as “shopping days” because of their spectacular deals are holidays too! They talk about splurges, fancy technology, enunciation, nesting (yes, that's Shanea of course), layaway, book fairs and a whole lot more! It's another one for the books so settle in and enjoy! 

(11/23/22) The Big Conundrum for next year is, 'what's going to happen?' It's important to leave portfolios open to the possibility of Recession, even though, if so, it would be The-Most-Anticipated Recession in history. What will FOMC Meeting Minutes reveal, and what is the "terminal rate" that ends Fed rate hikes? The cost of Thanksgiving is going up, and Black Friday spending will be an economic "tell" for the future. Is the 60/40 portfolio strategy no longer viable? adjust portfolios to the data; on the "Millennial Investor Podcast," nothing is working. Losing money is part of the portfolio process. Black Friday preview: Toys for Boys & Girls; Saga of the Roberts' Kids: Getting speeding tickets. The Life360 tracker; Inflation for the holidays: Paying more for the same amount of stuff; earnings are still falling, just not as badly; Credit Cards vs Layaway; Needs vs wants. SEG-1: The Big Conundrum of 2023 SEG-2: Is the 60-40 Portfolio Dead? SEG-3: Black Friday Preview: Toys & Speeding Tickets SEG-4: Inflation for the Holidays - Needs vs Wants Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=nivvLPzvJQ8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2776s -------- Our Latest "Three Minutes on Markets & Money: "Buy Backs Continue Market Support" is here: https://www.youtube.com/watch?v=EXOwXtoCTXo&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1&t=4s -------- Our previous show is here: "Why The Fed Wants More Unemployed" https://www.youtube.com/watch?v=C228DvWAKb0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=3&t=14s -------- Articles mentioned in this podcast: "More Bearish Market Action Before The Bull Can Run" https://realinvestmentadvice.com/more-bearish-market-action/ -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #60_40Portfolio #Thanksgiving #BlackFriday #FederalReserve #FedPivot #Markets #Money #Investing

(11/23/22) The Big Conundrum for next year is, 'what's going to happen?' It's important to leave portfolios open to the possibility of Recession, even though, if so, it would be The-Most-Anticipated Recession in history. What will FOMC Meeting Minutes reveal, and what is the "terminal rate" that ends Fed rate hikes? The cost of Thanksgiving is going up, and Black Friday spending will be an economic "tell" for the future. Is the 60/40 portfolio strategy no longer viable? adjust portfolios to the data; on the "Millennial Investor Podcast," nothing is working. Losing money is part of the portfolio process. Black Friday preview: Toys for Boys & Girls; Saga of the Roberts' Kids: Getting speeding tickets. The Life360 tracker; Inflation for the holidays: Paying more for the same amount of stuff; earnings are still falling, just not as badly; Credit Cards vs Layaway; Needs vs wants. SEG-1: The Big Conundrum of 2023 SEG-2: Is the 60-40 Portfolio Dead? SEG-3: Black Friday Preview: Toys & Speeding Tickets SEG-4: Inflation for the Holidays - Needs vs Wants Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Advisor Danny Ratliff, CFP -------- Watch today's show on our YouTube channel: https://www.youtube.com/watch?v=nivvLPzvJQ8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=2776s -------- Our Latest "Three Minutes on Markets & Money: "Buy Backs Continue Market Support" is here: https://www.youtube.com/watch?v=EXOwXtoCTXo&list=PLVT8LcWPeAujOhIFDH3jRhuLDpscQaq16&index=1&t=4s -------- Our previous show is here: "Why The Fed Wants More Unemployed" https://www.youtube.com/watch?v=C228DvWAKb0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=3&t=14s -------- Articles mentioned in this podcast: "More Bearish Market Action Before The Bull Can Run" https://realinvestmentadvice.com/more-bearish-market-action/ -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to RIA Pro: https://riapro.net/home -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #60_40Portfolio #Thanksgiving #BlackFriday #FederalReserve #FedPivot #Markets #Money #Investing

Patreon- https://www.patreon.com/iwantmypodcast(ONLY $1) Check us out on: IG- @iwantmypodcast_studios - @MiguelPerezComedy - @MrEJEdmonds Email- iwantmypodcast@gmail.com FB- I Want My Podcast Venmo: @MiguelPerezComedy @MrEJEdmonds  Subscribe to our YouTube Channel- Youtube   - Mr. Mac is in Ukraine ready to meet Mrs. Mac - Debbie welcomes Tony to Las Vegas - Veronica goes out on a date - Tania is still married but not really but kind of - After 3 dates in the past 8 months Natalie rewards Josh with a kiss

recorded on 11OCT2022, Welcome aboard Flight 120 of the Squawk Ident Podcast - The Scram Jet is on Layaway On today's flight I am joined by Captain Roger, Rob D., and a special guest host, Captain Rob Cosand. Captain Rob first joined us on Flight 104 - The Speed of Heat. That is when we first heard about his aviation journey, his service to our country, and his families legacy. On Today's flight we explore the possibility of hacking into a commercial aircraft's PA system, the recent changes to minimum rest requirements for cabin crew members, and we ask the question “Who is the FAA acting head Billy Nolan?”. We also discuss the possibility of nuclear powered aircraft, the new financing options AA has set for student pilots, and the importance in knowing who the key players are in YOUR aviation industry. We hear from Captain Keith and we highlight the Stand Up 2 Cancer foundation. All this and more on this, the 120th episode of the Squawk Ident podcast. references: Moaning PA System link FAs Get More Rest link the Hyper Sting link Student Pilot Financing Options link AA Cadet Academy link Stand Up 2 Cancer link Please visit Av8rtony.com for more show content, audio archives, cover art, Squawk Ident gear, audio feedback, and more. Original music & cover art by Av8rTony and produced at Av8r Sound Studios of Southern California. Facebook, Instagram, Twitter & YouTube user just search Squawk Ident Podcast Copyright © Squawk Ident 2022, All Rights Reserved Copyright © Av8r Sound Studios 2022, All Rights Reserved Squawk Ident by Av8rTony is licensed under a Creative Commons Attribution - 4.0 International License --- Send in a voice message: https://anchor.fm/squawkident/message Support this podcast: https://anchor.fm/squawkident/support

People are being hoodwinked by paid influencers on social media. Clark shares how this often works with podcasting, unbeknownst to you, the listener. Also, Amazon Prime has a new option for payment that gets Clark's seal of approval - part of a trend of added perks for retail memberships.  Undisclosed: Podcast Influencers: Segment 1 Ask Clark: Segment 2 Amazon Prime Layaway: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best time and place to buy appliances A Simple Way To Help Your Kid Build Credit Amazon Layaway: A New Perk of Amazon Prime Amazon -Get Same-Day Delivery from your favorite retail stores Walmart deal with Paramount gives members streaming perks How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Do Not Give Your Social Security Number at These Places Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Innovations in the payments world continue with the advances in Buy Now Pay Later (BNPL). It's beloved by a new generation of online shoppers and big step from the layaway plans of old. Associate analyst McKayla Wooldridge joins host Eric Hanselman to delve into its appeal and look at recent study results that show both positive and negative angles for consumers and merchants. The latter want increased purchasing volumes, but the former are concerned about refund complexities and hidden costs.

Have you noticed websites using a new "layaway" option when you checkout?  Do you guys remember bargain clothing stores? You would always find snoop dog and Puff Daddy's clothes in there lol  Del Taco is better than Taco Bell... how is this a debate??    Have you guys tried a chocolate cake shot? ....I don't understand how it works, but its good. Make your GF order it for you lol  Thanks for your support! Cheers!   Email us: info@7125media.com   ARE WE DOING THIS RIGHT? @7125media | www.7125media.com | #AWDTR   Apple: https://podcasts.apple.com/us/podcast/are-we-doing-this-right/id1471479876   Spotify: https://open.spotify.com/show/6MFDXhFQQc7IuBo6nFkfD9   YouTube: https://www.youtube.com/channel/UCSB26NozHLOxuhdmz70UW7w/playlists?view_as=subscriber

Why aren't we there yet? Shouldn't our relationship be there yet? Why aren't we progressing at the same pace as everyone else? In marriage and in dating if you don't know where you stand with your loved one…well there's the first problem. Ask God what you should do…use your GPS (God positioning system) to discern through the Lord what's the next best step for your relationship.  If you don't like where your relationship is, God doesn't like it either! Step up and stop asking, “are we there yet?” and get there!Listen in as Elders Conell and Rhonda Hollins, Marriage officiant's, Relationship experts and Marital truth coaches help you figure out Are We There Yet!Download, Share and Subscribe today! Don't forget to hit the notification button to hear future episodes! Support the show (http://paypal.me/metowetalk) Support the showSupport the show

This week I'm joined by my friend Jay Cabrera to talk shit and catch up. We talk about the meat market (of men... and women) at Fresh Market, travel plans for the summer, and of course, DATING. We debate the question "Does salary matter?" in a relationship or pursuing someone new, and spending money on material items versus experiences. We shared updates on our professional lives and how our careers are impacting our personal lives. Follow Jay on Instagram for really great drink recipes! @91jach

I feel like everyone expects my significant other and I to get engaged soon, but I am having doubts. What do I do? (16:02- 28:33) In Luke 7, Jesus raises a widow's son. But what about all the people whose loved ones He didn't do that for? What is this story supposed to tell us? (28:27-40:04) There are areas of my life where I am not really even trying to improve right now. Is that okay? (40:07-52:58) Closing Song: Take My Life and Let It Be (Lee Younger) Ask A Question: saythatpodcast@gmail.com thebridgechicago.tumblr.com/ask (anonymous)

Welcome to Episode 163! The boys are back in full swing and in this episode you will hear: - Godzilla vs King Kong 2 update - Anthony discovers what Layaway is - Augie & Joe encounter a Walmart thief - Major Video Game News All that and more!

Miami in State of Emergency,New era for the Falcons - Matt Ryan gone, Gas on layaway, Atlanta TV Show back on air, Hampton giving free tuition, room, and board to Ukrainians and international student and more. Enjoy & Subscribe!

Video Version: https://crashdummiespodcast.com/ Join Our Patreon For Exclusive Content: https://www.patreon.com/crashdummies --- Send in a voice message: https://anchor.fm/crash-dummies/message Support this podcast: https://anchor.fm/crash-dummies/support

A TCR listener feels her ex owes her a WHOLE lot of money, Nicasio thinks PDA is ghetto, Serina says you can put gas on layaway, and Tino calls out Matt on his latest addiction..

New Week, Your Favorite Host back again with the news and conversations. Interesting voicemail sent in on black women who bash black men but still want protection, Rapper Latto having a tough time in the industry, Getting Gas on Layaway and more. Stream & Follow “Avalon Young”; she is extremely talented & dope. --- Send in a voice message: https://anchor.fm/johnathan-shultz/message Support this podcast: https://anchor.fm/johnathan-shultz/support

MUSIC MENU THIS WEEK THE CREW SAT DOWN AND TALKED TO @_JAZASU WHO SPECIALIZES IN BODY CARE PRODUCTS. THEY ALSO DISCUSS TOPICS SUCH AS DEAL BREAKERS, SUGAR AND GRITS?, COVID AND SATURATED INDIE JOBS PHONE INTERVIEW WITH CLEVELAND ARIST @APTERRY1 LISTEN LIVE EVERY THURSDAY ON THE FAM RADIO APP 8 PM EST FOLLOW US ON IG @TSA_PODCAST EE Nphew - Kry https://youtu.be/5Fs1iWfduOY AP Terry - My Story https://youtu.be/tcaaMc_Ep-Q Jalen Kelly - One Of Them Ones https://youtu.be/sCof8Ajv1dE

A listener thinks her man has too many female friends, Serina talks Adele's new Vegas residency, Tino has a terrible experience at an Apple store, Are You Smarter Than Nicasio, and Matt shares a struggling mom's story...