Podcasts about spending

You can scale your business fast with the right digital marketing partners and strategy.Partner with our Meta ads experts: https://www.tiereleven.com/apply Are you still betting your entire growth plan on Google? If you're treating search like the “engine,” you might be building demand everywhere else and giving it zero credit.In this case study, I break down four years of work inside one of the most brutally competitive niches we serve. Personal injury law. We took a Michigan firm from messy tracking and misaligned leads to a machine that consistently optimized for the only metric that matters: signed cases. Early on, we drove a 70% drop in cost per signed case to about $1,518 and still achieved roughly a 20x ROI. I'll walk you through the Meta and Google synergy, the tracking stack that made optimization possible, and the “signed case maximizer” framework we use to scale without drowning in junk leads. In This Episode:- Early wins: leads, CPL, and CPC improvements- The 1,500 CAC and 20x ROI math- Spending $2,900 per signed case for $55m in revenue- Case diagnosis: no avatar and conversion tracking- Prescription: installing Tier 11 Data Suite- Deploying the signed case maximizer framework- Using Google's 90-day conversion tracking window- Installing the digital strategy velocity engine- Combining Meta and Google ads to maximize results- Impressions and leads from optimized adsMentioned in the Episode:Tier 11's Data Suite: https://www.tiereleven.com/what-we-do/data-suite Tier 11's nCAC Calculator: https://www.tiereleven.com/ncac Previous Episodes On The Personal Injury Law Case: https://perpetualtraffic.com/?s=personal+injury+law Watch the Episode on YouTube: https://www.youtube.com/@perpetual_traffic Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram -

On this episode, Matt talks about one small tweak you can make with your marketing to help it perform better. WANT MATT'S HELP WITH MARKETING? https://www.serviceindustrycoach.com

On today's podcast episode, we discuss the three big questions surrounding Amazon right now: Can it maintain its ad revenue momentum in 2026? Is AI spending a problem? Is it ready for agentic commerce? And more. Join Senior Director of Podcasts and host Marcus Johnson, along with Analysts Marisa Jones and Rachel Wolff. Listen everywhere, and watch on YouTube and Spotify.   Subscribe to EMARKETER's newsletters. Go to https://www.emarketer.com/newsletters   Follow us on Instagram at: https://www.instagram.com/emarketer/   For sponsorship opportunities, contact us: advertising@emarketer.com   For more information, visit: https://www.emarketer.com/advertise/   Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode, click here: https://www.emarketer.com/content/podcast-amazon-maintain-its-ad-revenue-momentum-ai-spending-problem-more-3-big-questions-amazon-behi   © 2026 EMARKETER

About 4 in 10 U.S. adults today are almost constantly online with global screen time averaging over six hours per day A 7-month study of 1,490 German adults found that spending more time online — especially on mobile phones — was linked to increased stress Children ages 10 to 14 who use Instagram, TikTok, and YouTube had poor self-esteem, largely because they compared their own lives to those of others who looked happier or more successful online "Passively" scrolling through social media increased social anxiety in college students, especially women, while actively posting and interacting helped lower anxiety and supported healthier social confidence Simple steps like setting app limits, turning off alerts, creating screen-free days, and focusing on real-life connections can help you break the scroll cycle and protect your peace of mind

Host Dennis Scully and BOH executive editor Fred Nicolaus discuss the biggest news in the design world, including a high-profile hire, Williams-Sonoma's AI ad deal, and why the uber-affluent are spending big on home security. Later, Havenly CEO Lee Mayer joins the show to talk about her acquisition of design platform The Expert.  This episode is sponsored by Loloi and Morris & Co.LINKSThe ExpertHavenlyBusiness of Home

The ebb and flow of Patriots' spending

After celebrating their 30th anniversary of launching Angie's List, Co-founder Angie Hicks has evolved her business to Angi (@Angi_home) as a one-stop shop for consumers to find house project fixer-uppers, contractors and more. She discusses her perspective on the business adapting to housing trends and homeowner spending plans. Angie adds her company's recent survey indicating that homeowners are spending on average 5 years longer at home, with plans for major home projects. Later, she adds her company's use of AI when helping homeowners match up their problems at home with the best professionals on her platform. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Have you ever felt guilty for spending money on something small — like a coffee — even when you could afford it?You're not bad with money. You've just been taught that restriction equals responsibility.In this episode of Dare to Be Free, we explore why spending shame runs so deep, how restriction quietly becomes part of your identity, and why denying yourself pleasure actually slows your path to wealth and freedom. I share my own journey from hyper-restriction to pleasure-based wealth — and how learning to spend without shame became a turning point that accelerated everything.✨ Want to go deeper?Watch my talk “Why Pleasure Should Be in Your Portfolio” for a deeper dive into how pleasure accelerates wealth and financial freedom.And for weekly insights on wealth, pleasure, and freedom, join my newsletter at carriebradley.com.

Who Will Be King: NFC North Cap Cuts, Free Agents, and Combine Watchlist — An NFC North roundtable (Lions, Vikings, Bears, Packers) breaks down the early offseason between the Super Bowl and the NFL Combine, focusing on cap space, potential cuts, and key internal free agents. They discuss rumored Dolphins moves (Tyreek Hill, Bradley Chubb) and mostly pass due to cost/fit concerns. Team highlights include Vikings cap/free-agent notes (possible reworks, Harrison Smith retirement talk, Jalen Nailor, Ivan Pace Jr.), Bears potential cut of Tremaine Edmunds and decisions in the secondary plus DJ Moore cap-hit/restructure talk, Packers potential cap savings with moves involving Rashan Gary and Elton Jenkins and a cornerback priority, and Lions possible cap decisions (David Montgomery, offensive line, Brock Wright) plus re-signing priorities and bubble players. They preview the Combine (starting Feb. 23; on-field Feb. 26), name several draft targets (including safety and defensive tackle prospects like Oregon's Dillon Thieneman and Florida's Caleb Banks), and touch on Brian Flores' lawsuit moving forward and the NFLPA team-grades controversy before closing with show plug segments and the March 11 free agency date. 00:00 Offseason Hype Intro: Who Will Be King of the NFC North? 01:38 Welcome In + Weather Check With the NFC North Crew 02:59 Post–Super Bowl Cap Crunch & Dolphins Rumor Mill 04:05 Would You Take Tyreek Hill or Bradley Chubb? Quick Roundtable 08:01 Team-by-Team Cap Casualties & Free Agents: Vikings Outlook 10:51 Bears Cap Talk: Tremaine Edmunds on the Chopping Block 13:37 Bears Free Agents Deep Dive: Secondary, Pass Rush, and DJ Moore Money 20:37 Packers Cap Cuts & Key Free Agents: Gary, Jenkins, and the Young Core 24:47 Lions Roster Decisions: Montgomery, O-Line, Davenport & Internal FAs 29:16 Combine Week Preview: What to Watch, Coach Speak, and ‘Underwear Olympics' 32:16 Bears Draft Needs: Safety & D-Line Targets to Watch at the Combine 34:14 More Bears Names on the Radar: DT Caleb Banks & OT Monroe Freeland 35:35 Trade-Up Talk: Caleb Downs, Pick Cost, and Avoiding the Overpay Trap 38:15 Vikings Draft Outlook: DT Priority, WR Contingencies, and Waiting on the Combine 43:12 Packers & Lions Draft Priorities + Combine Prospects to Track 45:28 Around the NFL: Brian Flores Lawsuit and the NFLPA Team Grades Controversy 52:09 Ownership, Spending, and Big Rumors: Seahawks for Sale, RB Value, and Wild Trade Ideas 58:10 Wrap-Up: Upcoming Shows, Free Agency/Draft Coverage, and NFC North Sign-Offs FAN WITH US!!!  Follow us on Twitter ✖️ for more updates… Pay @TheRealPayday, host of Frustrated Chicago Sports Fan Channel, June @asgjune & M Foster @Mbrfosterchild, hosts of the Bleachers To Speakers [Lions] podcast, and Dave Stefano @Luft_Krigare, from @Vikings1stSKOL. This has been a joint podcast production partnered with Fans First Sports Network @FansFirstSN. ⭐️ Subscribe to us here! - Vikings 1st & SKOL, https://www.youtube.com/@vikings1stskol92 ⭐️ and here - Bleachers to Speakers, https://www.youtube.com/@BleachersToSpeakers-yq8tm ⭐️ and here - Frustrated Chicago Sports Fan, https://www.youtube.com/@FrustratedChicago ⭐️ V1&S on X can be found at @Vikings1stSKOL ⭐️ V1&S Discord at https://discord.com/invite/493z6mQXcN ⭐️ At Fans First Sports Network - https://www.ffsn.app/teams/minnesota-vikings/ ⭐️ Catch it here: https://youtu.be/PddH8jqk8lw Learn more about your ad choices. Visit megaphone.fm/adchoices

Self Created Valuation Boosts Apple Announces new Podcast push AI – A breakdown Playing them like a fiddle – Warner Brothers PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - A NEW CTP just announced - China releasing new AI models - AI - A breakdown - we are on overload - Big Employment news.... Markets - Self Created Valuation Boosts - Apple Announces new Podcast push - Playing them like a fiddle - Warner Brothers Quick Note - Going to rip up the playbook on something this week on TDI Podcast. Anyone who owns an annuity should listen to what is about to come on next Sundays show.....  No Agenda... Olympics - Anything to discuss? MONEY FOR ALL - The average tax refund is 10.9% higher so far this season, compared to about the same point in 2025, according to early filing data from the IRS. - The 2026 tax season opened Jan. 26, and the average refund amount was $2,290 as of Feb. 6, up from $2,065 about one year prior, the IRS reported Friday night. - As of Feb. 6, the total amount refunded was more than $16.9 billion, up 1.9% compared to last year, according to the IRS release. That figure reflects current-year returns only. - This is partly because there were excess-witholdings from last year on the rules changed and paycheck withholdings were not adjusted. This is a one time situation.. Emplyment - 4.3% - "Better" than expected payrolls number - A major revision was released last Wednesday. Overall 2025 job growth was much weaker than initially reported. The total net change for the full year 2025 was revised down from +584,000 jobs to just +181,000 jobs (seasonally adjusted) — an average of only about 15,000 jobs added per month instead of ~49,000. This made 2025 one of the weakest years for job creation in recent non-recession periods. - Employment levels were consistently overstated throughout 2025 by roughly 800,000 to over 1 million jobs, peaking around mid-year. For example: By March 2025, the level was revised down by 898,000. By December 2025 (preliminary), down by 1,029,000. - Monthly changes were also adjusted downward in most cases (e.g., August's originally reported -26,000 became a larger loss of -70,000; September's +108,000 became +76,000). - The revisions reflect normal annual benchmarking, but this one was unusually large (larger than the typical 0.2% average over the prior decade), likely due to factors like overestimation of business births or other data mismatches. - In short, the data reveals that the U.S. labor market in 2025 was significantly softer than the monthly headlines suggested at the time — job growth was overstated by a substantial margin, painting a picture of a much weaker employment picture for the year. AI Updates - While U.S. markets have been focused on the impact of Anthropic and Altruist's tools on software and financial services, China's tech giants have released AI models this week that have shown advancements in robotics and video generation. - Google is reporting that China's AI models are just MONTHS behind western models - However - is this progress? In a video demo, Alibaba showed a robot with pincers for hands that appeared to be able to count oranges, pick them up and place them in a basket. It was also shown taking milk out of a fridge. - Alibaba on Monday unveiled a new artificial intelligence model Qwen 3.5 designed to execute complex tasks independently, with big improvements in performance and cost that the Chinese tech giant claims beat major U.S. rival models on several benchmarks. - Zhipu AI — which trades as Knowledge Atlas Technology in Hong Kong said the model approaches Anthropic's Claude Opus 4.5 in coding benchmarks while surpassing Google's Gemini 3 Pro on some tests. - Shares of MiniMax also jumped Thursday after it launched its updated M2.5 open-source model with enhanced AI agent tools. Grok Update - Grok, Elon Musk's AI chatbot, has been gaining ground in the U.S. over the past months, data showed, even as it draws global censure and regulatory scrutiny after being used to generate a wave of non-consensual sexualized images of women and minors. - U.S. market share of the tool rose to 17.8% last month from 14% in December, and 1.9% in January 2025, according to data from research firm Apptopia. - Men are still the largest % users of Grok ~ 78% (down from 89% in April 2025) AI Market Share - ChatGPT's share slumped to 52.9% last month from 80.9% in January last year, while Gemini's grew to 29.4% from 17.3% over the same period. AI Market Share InfoGrapic and AI Understanding - Have we gone through this? - At its core, AI is technology that lets machines perform tasks that normally require human intelligence — things like understanding language, recognizing images, making decisions, or solving problems. - Modern AI (especially since ~2022) is dominated by machine learning — systems that learn patterns from huge amounts of data instead of being explicitly programmed rule-by-rule. - Inference is the "using" or "applying" phase of AI — when a trained model takes new input and produces an output / prediction / answer. Contrast with training (the "learning" phase): ------ Training ? Like a student studying for years: very compute-heavy, expensive, done once (or rarely) on massive servers/GPUs, adjusts billions of parameters based on examples. ------ Inference ? Like the student taking a test or doing their job: much faster, cheaper, runs on your phone/laptop/cloud, uses the fixed knowledge from training to respond instantly. - gentic AI takes regular AI (like chat models) to the next level: instead of just answering questions or generating text, these systems act autonomously to achieve goals with minimal human help. "Agentic" comes from "agency" — the ability to make decisions, plan, use tools, take actions, adapt, and even learn from results — like a smart digital employee rather than just a smart answer machine. AI Infographic Last AI Item - A shortage of memory chips is hammering profits, derailing corporate plans, and inflating price tags on various products, with the crunch expected to get worse. - The fundamental reason for the squeeze is the buildout of AI data centers, with companies like Alphabet and OpenAI buying up large shares of memory chip production, leaving consumer electronics producers fighting over a dwindling supply. - The resulting price spikes are causing concern, with some warning of "RAMmageddon" and others predicting that memory chip prices will go "parabolic", bringing lavish profits to some companies but painful prices to the rest of the electronics sector. Here is something: - Gallup will no longer track presidential approval ratings after nearly 90 years - Founded by George Gallup in 1935, the Washington, DC-based management company began tracking the president's job performance 88 years ago. - Gallup told USA TODAY it will no longer publish "favorability ratings of political figures," a decision it said "reflects an evolution in how Gallup focuses its public research and thought leadership." - Gallup said the ratings are now "widely produced, aggregated and interpreted, and no longer represent an area where Gallup can make its most distinctive contribution." - "Our commitment is to long-term, methodologically sound research on issues and conditions that shape people's lives," the company wrote, adding that its work will continue through the Gallup Poll Social Series, the Gallup Quarterly Business Review, the World Poll and more. - Seems like they are unable to SHAPE opinion due to social media etc.....? Apple Podcast Update - Big news! - Apple on Monday announced that it will bring a new integrated video podcast experience to Apple Podcasts this spring. - The move comes as video viewership continues to reshape podcasting. About 37% of people over age 12 watch video podcasts monthly, according to Edison Research. - The update brings Apple Podcasts more in-line with its competitors Spotify, YouTube and now Netflix, which have increasingly leaned into video podcasting. -“Twenty years ago, Apple helped take podcasting mainstream by adding podcasts to iTunes, and more than a decade ago, we introduced the dedicated Apple Podcasts app,” said Eddy Cue, Apple's senior vice president of Services, in a statement. “ - By bringing a category-leading video experience to Apple Podcasts, we're putting creators in full control of their content and how they build their businesses, while making it easier than ever for audiences to listen to or watch podcasts.” M&A - Texas Instruments Inc. has reached an agreement to buy Silicon Laboratories Inc. for about $7.5 billion, deepening its exposure to several markets for chips. - Silicon Labs investors will receive $231 in cash for each share of the company's common stock and the transaction is expected to close in the first half of 2027. - The transaction still needs to win approval by investors in Silicon Labs and shares of Silicon Labs surged by 51% to $206.48 after the announcement. Inflation - This helps - PepsiCo, will cut prices on core brands such as Lay's and Doritos by up to 15% following a consumer backlash against several previous price hikes, the snacks and beverage maker said on Tuesday after it topped fourth-quarter results. Miran - Moving - Federal Reserve Governor Stephen Miran is leaving his post as chair of the Council of Economic Advisers, CNBC has confirmed. - He joined the CEA in January 2025, but had been on leave from that post since last September when he filled the unexpired term of former Fed Governor Adriana Kugler.- He reamins on Fed board No Biggie???? - There are some astonishing cased being reported of Bad AI in the operating room - JNJ's TruDi Navigation System - Since AI was added to the device, the FDA has received unconfirmed reports of at least 100 malfunctions and adverse events. - At least 10 people were injured between late 2021 and November 2025, according to the reports. Most allegedly involved errors in which the TruDi Navigation System misinformed surgeons about the location of their instruments while they were using them inside patients' heads during operations. - Cerebrospinal fluid reportedly leaked from one patient's nose. In another reported case, a surgeon mistakenly punctured the base of a patient's skull. In two other cases, patients each allegedly suffered strokes after a major artery was accidentally injured. Cuba - The main airport has putt out a bulletin that they are out of Jet Fuel - Blackouts and lack of other fuels are creating big problems - No airlines have stopped running at this point, but many will as they cannot refuel - This is a bigger problem for cargo planes (supplies) that may not be able to risk flying to Cuba as they will not be able to get out. Dalio Warning -  Legendary investor Ray Dalio said on Tuesday the world was “on the brink” of a capital war. - He said central banks and sovereign wealth funds were already preparing for measures like foreign exchange and capital controls. - "When money is weaponized using measures like trade embargoes, blocking access to capital markets, or using ownership of debt as leverage." - “Capital, money, matters,” Dalio said Tuesday. “We're seeing capital controls … taking place all over the world today, and who will experience that is questionable. So, we are on the brink — that doesn't mean we are in [a capital war now], but it means that it's a logical concern.” - Could this be why gold and siver are being hoarded (physical assets over digital currency? - Is China's edict to banks to diversify away from US Treasuries a sign? Self Boosted Valuation - Waymo is aiming to raise about $16 billion in a financing-round that would value it at nearly $110 billion, Bloomberg News reported, citing people familiar with the matter. - Alphabet would provide about $13 billion to the autonomous driving firm while the rest would come from investors including Sequoia Capital, DST Global and Dragoneer Investment Group, the report added. - Soooooo - Waymo is a unit of Alphabet.... Alphabet providing 80% of the funding that boosts valuations..... Hmmmmmmmm Warner Brothers -  Warner Bros Discovery Inc is considering reopening sale talks with Paramount Skydance Corp after receiving its amended offer. - The Warner Bros board is discussing whether Paramount could offer a path to a superior deal, which may ignite a second bidding war with Netflix Inc. - Paramount submitted amended terms that addressed several concerns, including covering a fee owed to Netflix and offering to backstop a Warner Bros debt refinancing. Economics Coming Up - Short Week - plenty of Reports - Wednesday - Durable Goods, Housing Starts, Industrial Production, FOMC Minutes - Thursday - Philly Fed, Initial Claims - Friday: PCE, Personal Income and Spending, GDP for Q4 (3.6%) ----- New Home Sales, UMich Feb Final   Love the Show? Then how about a Donation? ANNOUNCING THE THE CLOSEST TO THE PIN for CATERPILLAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

AI Assisted Coding: How Spending 4x More on Code Quality Doubled Development Speed What happens when you combine nearly 30 years of engineering experience with AI-assisted coding? In this episode, Eduardo Ferro shares his experiments showing that AI doesn't replace good practices—it amplifies them. The result: doubled productivity while spending four times more on code quality. Vibe Coding vs Production-Grade AI Development "Vibe coding is flow-driven, curiosity-based way of building software with AI. It's less about meticulously reviewing each line of code, and more about letting the AI steer the process—perfect for quick experiments, side projects, MVPs, and prototypes."   Edu draws a clear distinction between vibe coding and production AI development. Vibe coding is exploration-focused, where you let AI drive while you learn and discover. Production AI coding is goal-focused, with careful planning, spec definition, and identification of edge cases before implementation. Both use small, safe steps and continuous conversation with the AI, but production code demands architectural thinking, security analysis, and sustainability practices. The key insight is that even vibe coding benefits from engineering discipline—as experiments grow, you need sustainable practices to maintain flexibility. How AI Doubled My Productivity "I was investing four times more in refactoring, cleanup, deleting code, introducing new tests, improving testability, and security analysis than in generating new features. And at the same time, globally, I think I more or less doubled my pace of work."   Edu's two-month experiment with production code revealed a counterintuitive finding: by spending 4x more time on code quality activities—refactoring, cleanup, test improvement, and security analysis—he actually doubled his overall delivery speed. The secret lies in fast feedback loops. With AI, you can implement a feature, run automated code review, analyze security, prioritize improvements, and iterate—all within an hour. What used to be a day's work happens in a single focused session, and the quality improvements compound over time. The Positive Spiral of Code Removal "We removed code, so we removed all the features that were not being used. And whenever I remove this code, the next step is to automatically try to see, okay, can I simplify the architecture."   One of the most powerful practices Edu discovered is using AI to accelerate code removal. By connecting product analytics to identify unused features, then using AI to quickly remove them, you trigger a positive spiral: removing code makes architecture changes easier, easier architecture changes enable faster feature development, which leads to more opportunities for simplification. This creates a self-reinforcing cycle that humans historically have been reluctant to pursue because removal was as expensive as creation. Preparing the System Before Introducing Change "What I want to generate is this new functionality—how should I change my system to make it super easy to introduce this one? It's not about making the change, it's about making the change easy."   Edu describes a practice that was previously too expensive: preparing the system before introducing changes. By analyzing architecture decision records, understanding the existing design, and adapting the codebase first, new features become trivial to implement. AI makes this preparation cheap enough to do routinely. The result is systems that evolve cleanly rather than accumulating technical debt with each new feature. AI as an Amplifier: The Double-Edged Sword "AI is an amplifier. People who already know how to develop software well will continue to develop it well and faster. People who did not know how to develop software well will probably get in trouble much faster than they would otherwise."   Edu's central metaphor is AI as an amplifier—it doesn't replace engineering judgment, it magnifies its presence or absence. Teams with strong practices will see accelerated improvement; teams without them will generate technical debt faster than ever. This has implications beyond individual productivity: the market will be saturated with solutions, making product discovery and distribution channels more important than implementation capability.   In this episode, we refer to Edu's blog post Fast Feedback, Fast Features: My AI Assisted Coding Experiment and Vibe Coding by Gene Kim.   About Eduardo Ferro Edu Ferro is Head of Engineering and Data Platform at ClarityAI, with nearly 30 years' experience. He helps teams deliver value through Lean, XP, and DevOps, blending technical depth with product thinking. Recently he explores AI-assisted product development, sharing insights and experiments on his site eferro.net.   You can connect with Edu Ferro on LinkedIn.

You say certain things make you happy. But what does happiness actually feel like to you? Show Notes In this episode of Shark Theory, Baylor shares a powerful question from a recent therapy session that completely shifted his perspective: What does happiness feel like? Not what makes you happy. Not what you're doing when you're happy. But what does it feel like? At first, Baylor listed activities. Walking his dog. Playing golf. Spending time with friends. But his therapist pressed further. Feelings aren't events. They're states. That distinction changes everything. Too often, people tie happiness to specific moments, roles, or achievements. Athletes tie it to performance. Professionals tie it to promotions. Parents tie it to milestones. When those events disappear or slow down, so does their perceived happiness. But when Baylor dug deeper, he realized happiness for him wasn't about the activity. It was the feeling of emptiness of thought. A quiet mind. No overthinking. No mental clutter. Just presence. That realization unlocked something important. If happiness is a state of mind, not a specific event, then you can experience it in far more places than you thought. It also means you can reverse engineer it. When you understand what happiness feels like, you can identify its opposite. For Baylor, stress and anxiety show up as mental overload. Too many thoughts. Too much noise. Too much energy wasted on things that don't matter. The lesson is simple but profound: you can't move toward something if you don't know what it feels like. Once you define your emotional state clearly, you can deliberately design your life around creating more of it. What You'll Learn in This Episode Why tying happiness to events limits your joy The difference between actions and emotional states How identity and roles can distort your sense of fulfillment Why defining the feeling of happiness matters How to reverse engineer your emotional state How awareness reduces anxiety and mental overload Featured Quote "Happiness isn't what you're doing. It's the state your mind is in while you're doing it."

Carl and Mike get back to some brief Braves talk as they share more thoughts on Spencer Schwellenbach and Hurston Waldrep now being out of the rotation to start the season as they both deal with loose bodies. As they discuss, they agree in believing there is a mindset to a degree in which Braves ownership "knows fans will show up" without having to spend heavily.

In this episode, we delve into the remarkable experiences of Steve Britt, an outdoorsman and adventurer who has spent years exploring some of the most remote landscapes in the country. From early encounters in the forests of Washington State to extended time deep in the mountains of southeast Oklahoma, Steve shares a journey shaped by patience, persistence, and repeated activity in places few people ever reach.Spending weeks and months on private land far from regular human traffic, Steve describes unexplained sounds, deliberate interactions with objects, and moments that suggest awareness and intelligence watching from just beyond the treeline. As his time in these areas stretches on, the encounters grow more personal, culminating in sustained observations that left a lasting impact on how he understands the natural world.Steve's account is thoughtful, detailed, and grounded in firsthand experience, offering listeners a rare look at what can happen when someone stays long enough to be noticed. Join us as we explore Steve's journey, the remote regions he traveled, and the mysteries that continue to draw him back into the wilderness.Buy Steve's book here: https://amzn.to/4trDd1Q (Amazon affiliate link helps support the podcast)Steve's Youtube channel - https://www.youtube.com/@oklahomaoff-roadadventure

Dutch lawyers say more than half of the AI-generated legal documents their clients bring in have to be thrown out, courts worldwide are handing down fines for fake citations, and one researcher tracking the problem says he's logging five or six new cases a day.PRINT VERSION (Includes full list of sources): https://weirddarkness.com/ai-law-advice/RELATED WEIRD DARKNESS EPISODES & ARTICLES:"The AI That Convinced a Man He Could Bend Time" — Weird Darkness (November 12, 2025):https://weirddarkness.com/ai-psychosis-lawsuit/"Can AI Lie? The Enigma of AI's Dysfunctional Deception" — Weird Darkness (July 1, 2025):https://weirddarkness.com/can-ai-lie/"Digital Discourse With the Dead: The Disturbing Rise of AI Séances and Synthetic Ghosts" — Weird Darkness (August 15, 2025): https://weirddarkness.com/ai-seances-digital-afterlife-griefbots/WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.#WeirdDarkness #WeirdDarkNEWS #AIHallucinations #ChatGPT #AILegalAdvice #FakeCases #AIFabrications #LawyersSanctioned #MataVAvianca #AICourtFilings #ChatGPTFakeCases #MikeLindell #AIChatbot #FakeCitations #AILawFirms #LegalEthics #AIDangers #GenerativeAI #AIHallucination #LawyersVsAI #DutchLawyers #AILegalSystem #FakeLegalAdvice #ChatGPTLies #AIFakeCitations #CourtSanctions #LegalTechnology #ArtificialIntelligence #AIGoneWrong #ChatGPTDangers

Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle. Cre fears that April's spending habits will lead to constant arguments and financial strain, especially with the prospect of marriage and inheriting April's substantial debt. April, however, doesn't see her spending as a problem, insisting she lives a good life and can always work more to cover expenses. Ramit helps them uncover the generational patterns influencing their financial behaviors and challenges them to reconsider their current dynamic. In this episode we uncover: • How Cre and April act as "granny and child" during money conversations • Why April feels micromanaged and hides purchases • The emotional pressure April uses to get what she wants • The significant disparity in their net worth despite April's higher income • Why April initially doesn't see a problem with her spending habits • The uncomfortable truth about April treating money like she's still poor • How April's family history of money management influences her • The shocking revelation about generational money patterns • Why April's daughter is following a similar financial dynamic • Ramit's direct challenge to April's “innocent doe” persona • Cre's struggle to set clear financial boundaries • How April reacts to Cre's direct financial expectations • Ramit's step-by-step plan for April to tackle debt and build savings Chapters: (00:00:00) Introduction (00:04:14) April's persistent questions about Cree's spending (00:07:49) The "granny and child" roles in their money talks (00:12:47) Why April fears marrying into debt (00:13:46) The core of their financial disagreement (00:23:05) A stark comparison of their financial numbers (00:26:08) April's disconnect from her serious financial situation (00:36:00) Cree's secret side income and resourcefulness (00:40:00) April's luxury basement renovation with zero savings (00:44:40) Unpacking April's extensive debt and spending habits (00:48:28) Generational money patterns in April's family (01:05:32) Cree's struggle to set clear financial boundaries (01:10:09) The pitfalls of "walking on eggshells" in a relationship This episode is brought to you by: LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Leesa | Go to https://leesa.com for 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Are you looking to retire in the next 5 years but wondering if you have enough saved? Apply to be coached for free on this podcast at iwt.com/apply

Most leaders think Reddit is just a forum for memes and debates. But what if it could be your secret weapon for growth and visibility inside AI models like ChatGPT and Gemini?In this live session, AI growth strategist Pietro Montaldo will walk you through a hands-on, step-by-step playbook on how to mine Reddit for insights, create peer-to-peer content that performs, and use it to boost SEO and get picked up by AI-driven answer engines.We'll show you how to:- Scrape Reddit for real conversations in your niche- Draft optimized, peer-style content that resonates in communities- Make sure AI tools like ChatGPT are surfacing your answers (and brand)Our guest Pietro is not just another growth guy. He's the founder of N-Force, a go-to expert for advanced AI tactics, and one of the most practical, sharp, and insight-driven minds in the space. Business leaders love his sessions because they walk away with actual results. Last time he spoke at our workshop, two clients reached out to him before the webinar even ended.About Leveraging AI The Ultimate AI Course for Business People: https://multiplai.ai/ai-course/ YouTube Full Episodes: https://www.youtube.com/@Multiplai_AI/ Connect with Isar Meitis: https://www.linkedin.com/in/isarmeitis/ Join our Live Sessions, AI Hangouts and newsletter: https://services.multiplai.ai/events If you've enjoyed or benefited from some of the insights of this episode, leave us a five-star review on your favorite podcast platform, and let us know what you learned, found helpful, or liked most about this show!

Guests Alex von Tunzelmann and David Brennan discuss peace talks in Geneva and the UK’s defence spending. Then: we remember civil-rights icon Jesse Jackson. Plus: how the Vatican will use AI to translate mass. See omnystudio.com/listener for privacy information.

In this episode of the Don't Waste the Chaos Podcast, Kerri Roberts — senior HR strategist, fractional CHRO, and podcast host — interviews Kelsey Thompson, entrepreneur and recovery advocate whose platform blends honest conversations about recovery with lifestyle, wellness, money, and ambition. Kelsey's core message is simple and hard-won: your beginning doesn't define your ending, but rebuilding requires intention, structure, and a willingness to confront your own patterns.Kerri and Kelsey explore the realities leaders rarely say out loud: not everyone deserves access to you while you're rebuilding, and your environment — inputs, relationships, routines — becomes either leadership infrastructure or silent sabotage. They unpack how discipline outlasts motivation, why small routines create stability in chaotic seasons, and how faith and gratitude can anchor the process without denying the hard parts.You'll also hear a real conversation about money, identity, and ambition — especially the difference between building a values-led life and chasing excess for validation. This episode is a reminder that sustainable growth isn't just a business strategy — it's a personal operating system.Key TakeawaysYour environment is leadership infrastructure. Who you allow close while rebuilding can accelerate transformation—or quietly delay it.Discipline is a strategy, not a personality trait. Morning and evening routines create structure that stabilizes decision-making under stress.Gratitude isn't denial — it's reframing with integrity. Learning to find meaning inside hardship becomes a repeatable resilience practice.Money reveals patterns. Spending can be a dopamine substitute; values-led wealth requires self-awareness and restraint.Healing doesn't require a single identity. Integrating joy (home, wellness, style) alongside recovery is often how wholeness is built.Guest Links / MentionsKelsey Thompson on TikTok: @livewelldresswellInstagram: real.livewelldresswellBooks referenced: The Comfort Crisis https://amzn.to/4qhNEClCan't Hurt Me (David Goggins) https://amzn.to/3Za64tUOura Ring Get 10% off the newest version of Oura ring with Kerri's link: https://ouraring.com/discount/789c29de22Rho Nutrition Get 15% off any product with Kerri's link: https://rhonutrition.com/kerriroberts If this episode resonated, subscribe to the Don't Waste the Chaos Podcast, share it with a leader who's rebuilding quietly, and leave a review — it helps more founders and executives find conversations like this through YouTube, Apple Podcasts, Spotify, and AI search.For fractional CHRO partnership, executive advisory, speaking, or leadership retreats, connect with Kerri here: saltandlightadvisors.com/contactSupport the show

With one tap, one swipe, or one click, you can buy almost anything instantly. Although  convenience feels normal, it's quietly changing how we relate to money.In this episode, I name something I see behind so much overspending, debt, and stalled savings. It's something I call frictionless spending, there's seldom a pause when we spend anymore because of how our money systems have become more convenient.Join in as I walk you through what frictionless spending actually is, how it fuels spending shame, and why so many people feel confused about where their money went even when they never considered themselves overspenders. I talk about how tools like credit cards, digital wallets, one-click ordering, and buy-now-pay-later remove the natural speed bumps that once provided us with spending pauses.In this episode, you'll learn how to add  intentional friction back into your spending so you can slow down, stay aware, and keep more money in your account.If you've ever felt frustrated by spending that seems to happen on autopilot, this episode will help you see what's really going on and how to interrupt the cycle without shame.Episode Highlights:[03:10] What frictionless spending actually means[06:55] How spending shame forms after the purchase[10:40] Why modern money tools remove natural pauses[14:25] The connection between frictionless spending and debt cycles[18:50] Why adding friction is not the same as restriction[22:30] Simple ways to slow spending without depriving yourself[27:10] How friction helps you save, pay off debt, and invest fasterTune into this episode of Money Files to learn how frictionless spending quietly drains your money, fuels shame, and how adding simple pauses can help you stay in control and build trust with yourself around money.Get full show notes and the episode transcript: https://wealthovernow.com/how-frictionless-spending-quietly-drains-your-bank-account/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending planMini ​Series ​​On The ​Four ​Reasons ​That ​You ​Are ​Stuck ​With ​Your ​FinancesJoin me Wednesday, February 25 at 12:00 PM ET to learn how to budget for the last time

European leaders and military chiefs make the case for increasing defence spending. A former head of the British military tells us investment is needed across the board, and that Europe is – and must be - able to defend itself without the US. Also in the programme: Israel's cabinet votes in favour of beginning a process of land registration in the West Bank, a move condemned by Palestinians as ‘de-facto annexation'; and a row breaks out over potential cheating in the curling - at the Winter Olympics.(IMAGE: Dutch Navy ship Johan de Witt heads to Arctic for NATO exercise, Den Helder, Netherlands - 16 Feb 2026/ CREDIT: Dingena Mol/EPA/Shutterstock)

NetSuite: Download the Demystifying AI Guide for FREE at https://netsuite.com/iced The League. Find someone in yours. Apply today. https://www.theleague.com/ Gusto: Try Gusto for FREE for 3 months at https://gusto.com/ICED ZocDoc: Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/ICED to find and instantly book a top-rated doctor today. Follow @JasonTheWeenie Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Apply for The Index Membership: https://entertheindex.com/ Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:30 - Making money in college 00:05:51 - Why he stayed in school 00:08:06 - Parents accepting his streaming career 00:11:48 - Did he always believe he'd succeed? 00:16:02 - Sponsor - NetSuite 00:17:22 - Is streaming harder than a 9–5? 00:28:07 - Mental toll of streaming 00:31:00 - Sponsor - The League 00:32:22 - Streamers vs YouTubers income 00:37:21 - FaZe business and fallout 00:44:19 - Major income opportunities 00:48:28 - Island stream expectations 00:54:59 - Income breakdown and biggest day 00:58:37 - Sponsor - Gusto 01:00:10 - Sponsor - Zocdoc 01:01:21 - When he felt rich 01:17:59 - Investment breakdown 01:19:26 - Confidence, dating, and insecurity 01:28:10 - Rapid-fire questions 01:33:08 - Would he quit for $20M? 01:34:52 - Streamer tier list *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hi Mamas, Download my free guide: ✨ ChatGPT Prompts Made Simple for Moms ✨ This week, we're continuing our mini money mindset series, and today's episode is all about awareness — not restriction, guilt, or perfection. If you've ever felt like money stress sneaks up on you… If you've ever opened your bank app and thought, “How did that happen?” If you've ever added things to cart when you were tired, overwhelmed, or just done… You are not alone. In this episode, we break down the quote: “You must gain control over your money or the lack of it will forever control you.” — Dave Ramsey And we talk about what that really means for busy working moms juggling careers, kids, and everything in between. In this episode, we cover: Why most overspending happens on autopilot How awareness creates control… without cutting joy Why money systems matter more than willpower The difference between being restrictive and being intentional

00:00 Four-Minute Offense 10:00 Happy Valentine's Day! 15:40 Doug's Big One Biggie-Sized by Wendy's = I Love the Game 23:00 Doug's Little One = All Kinds of Stuff 44:54 D-Backs Answer Tough Questions 1:31:30 UofA vs Texas Tech 1:51:08 Vs Vegas

I dig into the Kentucky Auditor's report that found over $133 million in questionable spending by the Beshear administration. The report found issues with:

Things spiral FAST on the Carton Show as Craig Carton and Chris McMonigle bounce from serious Mets talk to absolute chaos.

Things got completely unhinged on the Carton Show as Craig Carton and Chris McMonigle break down the biggest question in baseball…If Steve Cohen can spend like the Los Angeles Dodgers, why hasn't he WON like them with the New York Mets?

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Chris explains why foreign policy and government spending matter more than headlines about jobs or markets. From 9/11 and military spending to rising debt, inflation, taxes, and Social Security concerns, he breaks down how Washington's decisions directly affect your investments, purchasing power, and financial future.

SBS Finance Editor Ricardo Gonçalves speaks with Alex Pikoulas from Munjarra Capital about the day's market action including the latest profit results and the turn around in the tech sector; plus Anthony Walker from SP Global Ratings after the IMF warned Australian states to reign in spending.

In this week's episode, we take a look at five Instagram tips for writers, and we also discuss recent Facebook ad changes. This coupon code will get you 25% off the ebooks in the Ghost Night series at my Payhip store: CAINA25 The coupon code is valid through February 23, 2026. So if you need a new ebook this winter, we've got you covered! TRANSCRIPT 00:00:00 Introduction and Writing Updates   Hello, everyone. Welcome to Episode 290 of The Pulp Writer Show. My name is Jonathan Moeller. Today is February 13th, 2026, and today we're looking at five tips for Instagram marketing for writers. We will also have Coupon of the Week and an update on my current writing and publishing projects.   So let's first start with Coupon of the Week. This week's coupon code will get you 25% off the ebooks in the Ghost Night series at my Payhip store, and that code is CAINA25. The coupon code is valid through February the 23rd, 2026 so if you need a new ebook for this winter, we've got you covered.   And now on my current writing and publishing projects. I'm currently 91,000 words into Cloak of Summoning, which will be the 14th book in my Cloak Mage urban fantasy series. I am hoping to finish the rough draft in the coming week, and then it's going to need a fair bit of editing because I've decided to change things and move things around to improve it. So if all goes well, I hope that book will be out in the first week of March, assuming nothing comes up before then.   I am also 8,000 words into Blade of Wraiths, which will be the fourth book in my Blades of Ruin epic fantasy series, and I am hoping that will be out in April, if all goes well.   In audiobook news, Blade of Storms is completely finished and I believe as of right now you can buy it at my Payhip store, Kobo, and Google Play, and it is currently working its way through processing at all the other audiobook stores. Hollis McCarthy has finished recording Cloak of Titans, which is the 11th book in the Cloak Mage urban fantasy series, and if all goes well, my proofer should be able to listen to it this week and then hopefully the audiobook will be available to you sometime in March. So that's where I'm at with my current writing and publishing and audiobook projects.   00:01:51 Thoughts on Facebook Ads   Before we get to our main topic, I want to have a brief digression into another part of the Meta empire, specifically Facebook ads and my recent experiences therein. I've mentioned before that I stopped using Facebook ads in October since the Advantage Plus system, which is their AI targeting system, was giving me headaches.   For a brief summary of my experience with Facebook ads. I started using them in 2019, did really well with them in 2020, then Facebook randomly started banning accounts during this craziness of summer 2020. I got my account reinstated, used them less frequently more and more until October of 2025 when I stopped using them altogether because Advantage Plus made targeting so hard. Since then, I've relied mostly on Amazon ads and BookBub ads to good results. However, I've also read various blog posts from people who have been struggling with the Advantage Plus system as well, and they've been investigating it thoroughly as internet marketers tend to do, and they've uncovered something interesting that isn't mentioned at all in Facebook's documentation about the new changes, specifically that Advantage Plus uses the text content of your ad to target it.   Under the old system, it didn't work that way at all. You would select interests that match your ad, usually popular authors in the fantasy genre (like J.R.R Tolkien, Robert E. Howard, George R.R. Martin, Brandon Sanderson, and so forth) and then you wrote the text of the ad and supplied an image, which was usually called a creative. The creative was like 80% of a successful Facebook ad. You just needed a good picture, more or less. The Advantage Plus system by contrast targets according to the text in the ad. So while you still need a good creative, you need to be precise in the ad text. So for example, you need to write something like this: "Fans of The Lord of the Rings, Conan the Barbarian, Mistborn, and Game of Thrones will love this free epic fantasy available for Kindle readers." Now, I found the arguments in these blog posts persuasive, so I decided to give it a try. The results are on the better side of okay-ish, I will admit. I didn't lose any money and did make a bit of money. The results were definitely better than I expected, though the ad using Advantage Plus typically only has a shelf life of six to 10 days before it stops working. That said, the old system was still better because the interests were more granular and I could assign them more precisely. I used to be able to advertise Frostborn, Cloak Mage, The Ghosts, and Demonsouled all at the same time because I could target the ads so precisely and granularly. There's absolutely no way I could do that now because the Advantage Plus system is a black box. It basically boils down to "trust us, the AI will figure it out" when it very obviously can't.   So for the moment I will have one Facebook ad in the rotation until Meta changes something and everything breaks. There's no way I'll run as many Facebook ads as I did in 2020, when sometimes I had eight different Facebook ads going at once. Apparently in the last three years, Meta spent around 130 billion on AI, give or take, and what they got for that money is an ad targeting system that frequently doesn't work, and when it does work, doesn't work as well as the old system did. Spending unfathomable sums of money to replace a system that worked pretty well with one that intermittently doesn't work, and then when it does function, doesn't work as well as the previous system seems to be a pretty good summary of the "AI revolution" so far.   00:05:05 Main Topic: 5 Tips for Instagram Marketing for Indie Authors     Now onto our main topic this week, five tips for Instagram marketing for indie authors. Because I'm looking for new alternatives to Facebook ads for reasons I just discussed, I have just started using Instagram as part of my marketing strategy, and many indie authors, especially in the romance genre, have reported a lot of success marketing through Instagram so I wanted to learn more about it and share what I learned. In today's episode, I'm going to focus on marketing through your author account, not paid Instagram ads, which could be a separate podcast topic in the future. Here are five tips that might help you with running an author Instagram account.   #1: Find a strategy beyond book promotion. Like any other form of social media, if all you post is promotion for your books, it'll be hard to gain a following. Before you start posting regularly, you'll have to think about what else you have to offer your audience. Even if you want to keep your posts exclusive to writing, there are other types of posts you can make, like behind the scenes peeks, extra facts about a character, or using the poll/question feature to engage with your followers about the books. Follow other author accounts from writers in your genre to learn about their successes and how they engage with their followers. That said, a warning with that, spending a lot of time looking at posts from engaging with other authors creates a closed loop and doesn't further your goal of getting your books into the hands of your readers. Looking at other author accounts and engaging with them definitely falls into the category of what I've called writing adjacent activities that can easily give you the illusion of progress but not actual progress that I've talked about on this podcast before. Ideally, you should spend most of your time on Instagram with readers, not other authors.   It's also important to find the balance between providing personal content to make readers feel more connected to you and having it drift too far into being a personal account. Most of us have seen author accounts and social media accounts that post far too personal of relationship details or various long types of rants on various topics that I find it hard to believe help sell any books. The balance will be different for everyone, but always keep in mind that your primary goal on your author accounts is to be a space for your brand as an author. In that same vein, posting negative reviews of other books or negative comments about other writers is not a smart idea in the long run. At best, it looks like you're attacking someone else to make yourself look better, and at worst, you can end up as part of one of the many Bookstagram dramas that crop up with predictable and tedious frequency and in the process, you may make yourself some enemies for life. Nobody wants that.   Spamming your books by promoting them in other author's accounts, comments sections, or worse, DMing them is considered bad form and not even remotely effective in the long run.     #2: Your space, your rules. Don't be shy about blocking people or deleting comments, especially from spam accounts. Remember that it's your space, not theirs. The flip side of that is turning off comments altogether will limit your reach on Instagram. Although engagement with other accounts matters on Instagram, not every single comment or DM needs a reply, and it would be a waste of precious writing time to even try. Many authors find a compromise in liking non-spammy, well-intentioned comments instead of replying to each one. Although it's important to post regularly, putting out a public schedule for what you'll post is an invitation for people to get upset when you miss a day.     #3: Captions matter. Although Instagram is about images and video, substantial captions are important for helping people to find your content. The algorithm rewards decent size but not overly long captions with good hashtags, even if people don't read them. The more specific you make your hashtags, the more effective they will be. Broad ones like "writing" and "author" won't be as effective as "Arthurian Fantasy" or "Enemies to Lovers Historical Romance." There are also a lot of genre specific abbreviations, especially in romance such as "HEA" (which stands for happily ever after) or the pepper emoji to suggest that the romance is a spicy one (which is a euphemism for saying that it gets explicit). Take the time to learn these by following other authors or accounts in your genre because it'll help others find your posts.   #4: Try Instagram Reels. The algorithm for Instagram Reels (the short videos on Instagram) rewards interaction more than videos on TikTok. So it's best to watch videos in your genre, post regularly, and expect that you won't get a lot of views starting out or the views might come much later after the initial post than they would on TikTok. Some authors report that it took months of regular posting before they saw success, or that videos would take off weeks after posting. So keep on posting consistently, even if you're not seeing a lot of followers and engagement at first. Some authors use Reels for off topic things like memes and lighthearted content so their posts remain completely about their writing. Pick a strategy of things you can consistently post Reels about two to three times per week because the algorithm rewards frequent posting of Reels.   #5: Don't pay influencers or accounts to promote your content. If someone approaches you to pay for reviews or promotion, it is 99.9% likely that it is a scam. Delete and move on. When in doubt, assume it is a scam. Even if that person or account who wants to be paid to promote you is magically legitimate (which is, as I mentioned, very unlikely) the Bookstagram community is very savvy and distrustful of paid reviews. It's not good strategy. Real reviews from real, unpaid people take time, but the results are far more effective. You could try a raffle giveaway of your book to get reviews instead of paying an influencer or offering a special Smashwords coupon code just on your Instagram account.   Above all, Instagram will work if you're authentic, post regularly, and are patient in building up a following. Taking shortcuts like buying followers or spamming other accounts is not an effective strategy. Like so many things, there isn't a magic pill that substitutes for hard work over time, which if there was an overwhelming theme of this podcast over the last 290 episodes, I think that hard work over time is probably the lesson we want to take away here. So that's it for this week. Thank you for listening to The Pulp Writer Show. I hope you found the show useful. A reminder that you can listen to all the back episodes at https://thepulpwritershow.com. If you enjoyed the podcast, please leave your review on your podcasting platform of choice. Stay safe and stay healthy and see you all next week.

Episode 277-Three-Round Burst of GOFU’s Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Page – 1 – of 11 Gun Lawyer — Episode 277 Transcript SUMMARY KEYWORDS GOFUs, New Jersey gun laws, vampire rule, sensitive places, unlawful possession, pretrial detention, federal injunction, carry permit, gun transport, Second Amendment, gun rights, legal advice, gun ownership, gun regulations, gun safety, gun culture. SPEAKERS Speaker 2, Evan Nappen, Teddy Nappen Evan Nappen 00:17 I’m Evan Nappen. Teddy Nappen 00:19 And I’m Teddy Nappen. Evan Nappen 00:21 And welcome to Gun Lawyer. So, you know our show here, one of the things that is very, very famous about our show are GOFUs. And GOFUs, as my listeners know, are Gun Owner Fuck Ups. The idea with GOFUs is these are real cases, actual things that happened. They are expensive lessons that people learn, and that you, the listener, get to learn for free. And of course, we always do the GOFU at the end of the show, whatever this week’s GOFU may be. But suddenly I’ve been pounded with GOFUs, and they’re very important. And I said, you know what? We’re going to do a three round burst here of some really important GOFUs, including what I want to begin with by telling you about this actual case. It illustrates just how insane New Jersey is and what every law-abiding gun owner could, in fact, face. Evan Nappen 01:32 Of course, I’m not using any names, but this is an actual situation that occurred. And some things, looking at the situation that the, and not just necessarily a mistake that the gun owner did, but something that hit me as extremely important for every New Jersey gun owner to make sure they do. There’s a very simple thing that is very important that could be critical between whether or not they hold you in jail or release you. We’re going to get to that from this story so you’ll learn this secret, so that you don’t end up in this GOFU situation. Spending days or weeks incarcerated for nothing, because that’s what the Gulag does, as you know. This is a case that wraps it all up into that. Evan Nappen 02:39 So, here’s this guy who comes into New Jersey, and he’s at a mall. Now, as you may know, the mall is not, in and of itself, a sensitive place, right? Those of us who have familiarized ourself, which hopefully all of you have, with these “sensitive places”. A mall is not, per se, a sensitive place. Now, there can be rules regarding malls where they say, hey, no guns in the mall. We don’t want guns, you know. And any Page – 2 – of 11 private property, whether open to the public or not, can have a prohibition privately saying we don’t want any guns here. In the same way they could say, we don’t want any dogs. We don’t want any bare feet. You know, things like that. The property owner has certain control. But if there is such a sign, if there is such a statement by a property owner, then if you come on to that property and they don’t want you on that property for a reason such as that. They can’t say, hey, we don’t allow minorities on our property. You know, they can’t. You can’t have racial discrimination in a place open to the public. But you can have other restrictions. Evan Nappen 04:07 Now, I happen to personally think that firearms should be viewed as a civil right and in the same category as discrimination, because it is a civil right. But that’s not currently how the law is. So, if a private entity prohibits gun, says no guns, then if you still go on that property and you’re specifically told to leave and don’t, then you’re what’s known as a defiant trespasser. So, what we’re talking about is trespassing, but trespassing is not a sensitive place violation. Sensitive place violations are specific gun law violations that create a certain place that becomes a prohibited area under the law to carry a gun, even if you have a permit to carry. So, this person is in the mall and apparently gets approached by mall security, who has allegedly dogs that can sniff gunpowder. Believe it or not, they’re out there. Apparently, he’s approached and they say, we think you have a gun. Please leave. And he does. No problem. He was asked to leave, and he leaves. Evan Nappen 05:30 After leaving, while in his car, driving, he gets stopped by police. More than even one because, oh, there’s a gun, right? Because, obviously, security called it in, I guess, at some point, and he was stopped. He is stopped for violating, in their minds, the sensitive place prohibition under Section 24 under Chapter 58 of the sensitive places. And what is that? What is that sensitive place that they believe he’s in violation of? Oh, New Jersey’s version of the vampire rule. The vampire rule is that you need permission before you go onto any private property. That is the issue that’s before the United States Supreme Court. The Hawaii, you know, the Woolford case in front of SCOTUS. We’re waiting for a decision. Evan Nappen 06:43 Now, Hawaii had the law just like New Jersey. The only difference is New Jersey’s vampire rule case saying that you can’t go on to private property, whether open to the public or not open to the public, you cannot go on any private property in New Jersey unless you first have permission to carry your gun there. In other words, they needed to have a sign, you know, that says we love guns. You know, basically, guns welcome. You know, guns permitted. Essentially, a sign. Or you got specific permission from the property owner before you enter the property. Hence the vampire rule. You know, as long as you don’t invite the vampire in to your place. That’s where that comes from. Evan Nappen 07:34 Well, New Jersey’s vampire rule, to impose this, you need permission first, before you can go on private property, even private property open to the public, has been found and was found unconstitutional in the Koons versus Platkin case. In Koons. And in that case, as you may recall, Judge Bump found it was unconstitutional and put an injunction on that section, saying it is unenforceable. It’s Page – 3 – of 11 unconstitutional. That any private property that is open to the public, you’re allowed to bring your gun on unless it’s otherwise a sensitive place. So, you know, if you want to go into a 7-11 with your carry gun, you can. It’s open to the public, even though it’s privately owned by 7-11. Now, if you want to go to a private residence, a private place that’s not open to the public, then you do need advanced permission for that. If you go into even your friend’s house, your friend needs to be able to say, yeah, you have permission to have your gun at my house. But not open to the public. Evan Nappen 09:00 So, the mall is open to the public. The mall is not a per se sensitive place. Yet, in this case, the basis for stopping and arresting this man or woman, I won’t even tell you what the sex is, the basis for the arrest is an alleged violation of the sensitive place section for which there is a federal injunction against enforcement. Then because somehow there’s this belief that if you are in violation of sensitive place, you’re also unlawfully carrying even though you have a carry permit, which makes absolutely no sense. There’s no logic to that. He’s charged with unlawful possession of a handgun without a carry permit, even though he has a carry permit. And, of course, with those gun charges, off to the Gulag you go. So, you are arrested, and you are put in jail. Evan Nappen 10:16 Now, the Gulag kicks in, where there’s 48 hours in which the prosecutor gets to decide whether to seek pretrial detention. It is solely within the discretion of the prosecutor. And if the prosecutor decides to seek pretrial detention, you’re going to be held for another five days before there’s a hearing when we can actually argue to get you out. And with the new law that was just signed by Murphy, they can get an additional five days to make sure that the gun is operable, to get an operability report, which is irrelevant to the charges anyway. So, by this arrest, you actually have the opportunity to be incarcerated basically for two weeks, guilty of nothing. Evan Nappen 11:08 What happened? Well, luckily, I got a call very quickly. When this person was in jail, loved ones got a hold of me. And this is on a Saturday, my friends, on a Saturday. Yeah. They do these on Saturday. They just hired me in time that I was able to get onto the court hearing 15 minutes before that first 48 hour time period, for that very first hearing where there’s no argument. The prosecutor either is going to say we’re seeking pretrial detention or not, but at least I could get on. And, lo and behold, I get on, and the prosecutor, big shock, is seeking pretrial detention, which means he’s going to be held or she is going to be held another five days or so, to have that hearing. It may be longer if they’re going to go for the operability nonsense, too. Teddy Nappen 12:11 Doesn’t Bergen County always seek pretrial detention? Evan Nappen 12:16 Well, it’s not just Bergen. And let me say this isn’t necessarily even Bergen, by the way, Teddy. But most counties have a policy of just automatically seeking pretrial detention on most gun cases. So, that’s not a big surprise. But what happens is, in this 48 hour period here, we still have the court appearance. But there’s nothing an attorney officially can do, because the prosecutor is given the sole Page – 4 – of 11 discretion. The prosecutor says, well, it’s gun charges with the Graves Act. Because, of course, the seriousness of the charge is second degree. You’re looking up to 10 years in State Prison. You’ve got a minimum mandatory three and a half years with no chance of parole. So, because of the seriousness of that offense and the Graves Act and it’s guns, we’re going to seek pretrial detention. Evan Nappen 13:13 And the court says, you know, Mr. Nappen, do you have anything that you want to add? And I say, and here’s exactly what I did them. I said, look, I understand how much discretion the prosecutor has here. Normally, we just have to wait until the hearing in order to argue. But I have to say, and I make it clear here. I say, look, my client not only had a permit to carry and why the state can’t access it, you know, they took his wallet and he can’t get to his wallet. And for whatever reason, there’s some glitch in them trying to get it out of the State Police. I don’t know why, but the very basis for his arrest was for a law for which there is an injunction, a federal injunction, that’s been upheld even by the Appeals Court. So, you have law enforcement violating a federal court injunction and charging and utilizing a statute that is enjoined from being enforced. Evan Nappen 14:19 So, in complete violation of that injunction, I make it clear that that is what is going on here with someone who has a permit, who has the lowest scores on the PSA of a one, one, that’s the lowest you can get. The PSAs are your flight risk and danger risk that they calculate into whether you’re to be released. Now they’re looking to hold them for another five to 10 days to even try to get them argued out. And at that point, the court officer actually says, well, counselor, there’s no argument here at this level. You’ll have to argue, you know, at the hearing when it gets scheduled. And I said, look, I’m not arguing anything. I said, do you know what I’m doing? I’m putting the State on notice as to the civil rights violation taking place on my client. At which time, the prosecutor says, look, we haven’t even had a chance to talk, and I said, no, we haven’t. I just got hired and got on here 15 minutes ago. Well, let’s talk. I said, okay. Evan Nappen 15:24 We had a private conference, and when we came back, I’m happy to say that the prosecutor withdrew their motion for pretrial detention. My client got out of jail that day, and now we will fight these charges. I’m extremely confident in how that fight is going to go as well. So, folks, what are the takeaways? Look at the risk you’re running. Look at the utter and complete failure of the Attorney General of New Jersey to inform law enforcement as to the changes in the law by these court actions. Why are the police charging an offense which has been enjoined? Police should know better, but I’ll tell you what else. The Attorney General should be instructing, the way they’ve done so many other times on so many other things, to all law enforcement, explaining how that sensitive place has been enjoined. And how on public property, it is not a sensitive place where you need prior permission under the vampire rule. This hasn’t been done. So, you have what is essentially a false arrest taking place. Evan Nappen 17:06 You have a system designed to incarcerate gun owners. It is outrageous, and you need to know that this what you’re up against. So, what do you need to do to protect yourself? Where’s the GOFU aspect? Well, let me tell you something that would be really important. Here’s what everybody should Page – 5 – of 11 do. Make sure your carry permit, make sure your gun licenses, are also, copies are given to your loved ones. People you can count on. Because if you get incarcerated and your wife or your parents or your brother is calling me and if they can get me copies of your carry permit or gun license that you otherwise can’t access, I can get that to the prosecutor. There doesn’t have to be a dependency for somehow getting it out of the State Police in time. Or finding it in some wallet that’s been confiscated and held in evidence in some other place, in some other room, somewhere else. That can be of great assistance, immediate assistance, in addressing your arrest and avoiding further gulaging of you. So, make sure. The takeaway is to make sure that folks that care about you, that would be the people you would go to if you had a problem, that they can provide and have access to copies of your gun licenses. That would be incredibly important. The other thing is make sure you have an attorney that you can get a hold of right away. An attorney that can come to your aid, argue, to get you out on a Saturday where time is of the essence. Those are the takeaways that are critical from this experience. Evan Nappen 19:08 Let me tell you, the GOFU has taken on a life of its own, and I’m glad about it. I have here a listener who sent a GOFU that they wanted to make our other listeners aware of, and I appreciate that. They asked that I not use a name, but here’s the GOFU letter. It says, I have a GOFU for you. It’s important for people to know to do this, so please share it on your show. This past fall, I planned a trip to Western New York to visit my family. I have a New Jersey PTC, also a PA PTC. I really like to have my gun along on trips with the highway driving. So, I asked a few guys at the shooting range what I should do with the gun when I got to New York state line. They told me to stop at a rest stop before I enter the state, put the unloaded gun in a car safe, and I should be good. That’s what I did. When I reached my destination, I told my family I had brought it, since they like guns, and they absolutely freaked out. They told me, the police would arrest me. It was illegal to bring a gun into a destination in New York. I better bring it in the house and keep it hidden. And hide it really well on the drive back. They really got me worried. So worried, in fact, I couldn’t get to sleep. So, I checked New York gun laws, and sure enough, she was correct. I was scared and felt terrible. I was incriminating my family members. Needless to say, the gun and the safe box and its cable were very hidden on the way back. I was careful not to break any speed limits. You can sum it up this way, but my takeaway is you have to do your own research before you take your gun out of state. Otherwise, you might end up in jail, and I’m very thankful that I didn’t. Evan Nappen 20:50 This is very true. State lines mean something. Now, here’s where the GOFU was. The GOFU was not following Title, 18, 926A thoroughly. That’s the federal preemption that lets you transport interstate. You have to be going from one place where you lawfully can possess and carry to another place. Your end destination has to be a place where you can lawfully possess and carry. Since New York does not recognize New Jersey’s permit or Pennsylvania’s permit, and unless you have a New York non-resident permit, that will not cover you. So, bringing your cased and unloaded gun into New York, now you’re possessing a handgun in New York, and you don’t have the protection of federal preemption. That’s the problem. Page – 6 – of 11 Evan Nappen 21:42 And it is a GOFU. This person is absolutely right. Make sure you know the laws. Make sure you clear it with counsel, so that you do not end up a GOFU. Because if that person had been stopped in New York with that handgun while in New York, they would face dire consequences. So, know the gun laws. Know the state laws. Do your research. Best bet? Well, you can always ask me, that’s one thing you want to do. Get my book, New Jersey Gun Law. I’ll shamelessly plug my book right now, because right in my book is a chapter on how to properly interstate transport, right in there on transportation of guns. What you need to know. Go to EvanNappen.com and get your copy of my book, New Jersey Gun Law. It’s the bible of New Jersey gun law. That’s the kind of stuff you need. That’s the kind of information you must have. That’s what you need to do. You cannot take these things lightly, because the consequences can be dire, and we see it. So, I appreciate this GOFU. I appreciate it being pointed out. These are real people experiencing the horrors of gun laws that are designed to ruin people’s lives and to turn law-abiding citizens into criminals. To oppress our Second Amendment rights. That’s all these laws do. You’ve got to protect yourself, folks. Learn from these tips and learn from these cases so you don’t become the next GOFU. Evan Nappen 23:16 Hey, let me tell you about our friends at WeShoot. WeShoot is an range indoor range in Lakewood, New Jersey. The range where Teddy and I both shoot. We love WeShoot. Great training. Great range facilities. Great pro shop, and a great bunch of folks. This week they’re running some great specials. They have the Chiappa Rhino 60DS, which is a futuristic revolver with its low bore access design. It’s kind of cool. It delivers, you know, reduced recoil because of that and fast follow up shots. They’ve got a Mossberg Gold Reserve Sporting shotgun. It’s an over and under, built for clay and field. It has engraving, premium walnut, and it’s competition ready. It’s a beautiful gun. Check out the Mossberg Gold Reserve Sporting. They also have a Springfield Prodigy Comp gun, comp gun. A modern double-stack 1911-style performer. It has an integrated compensator, and it’s optics ready. It has serious speed for duty or competition. Check out that Springfield. And you can also check out Sarah Sablom. She is on the hunt for a perfect carry gun. You can check out one of these WeShoot girls there. Go to weshootusa.com for their great website with amazing photography. They’re running great deals. They look forward to helping you and making you part of the WeShoot family. Go to weshootusa.com. Evan Nappen 25:05 Let me also mention our friends at The Association of New Jersey Rifle & Pistol Clubs, who just recently, through my friend and colleague, Dan Schmutter, argued in the Coons case at the Appellate level. And we’re looking good. I’m cautiously optimistic. And that’s your Association at work in the courts, fighting the Carry Killer bill. They’re also fighting the assault firearm ban and the large capacity magazine ban. You need to be a member. Go to anjrpc.org. Make sure you belong to your state Association. They are the gun rights defenders for New Jersey. You’ll get a great emails of what’s going on. You’ll get the alerts. You’ll know that you’re part of the solution and helping to fight the gun rights oppressors in New Jersey. Go to anjrpc.org and join today. Teddy, what do you have for us today in Press Checks? Page – 7 – of 11 Teddy Nappen 26:08 Well, as you know, Press Checks are always free, and this is something I want people to understand. We cannot take our foot off the gas when it comes to fighting the good fight for our rights. Because, look, we have had a lot of great victories when it comes to Second Amendment, to the conservative movement, and to getting the word out there, thanks to Alternative tech. But the Left are slowly trying to crawl back their power. What do I mean by that? Well, our friends at Bearing Arms did an article. Cam Edwards says, NBC decided to give a platform to the anti-gun activists. (https://bearingarms.com/camedwards/2026/02/10/nbcs-today-show-gives-anti-2a-activist-platform-for-propaganda-n1231508) Oh, gee, what a shocker! Teddy Nappen 26:59 It was Nicole Hockley out of the Sandy Hook Promise. You know, another one of Bloomberg’s groups who called in to demonetize online influencers in the 2A space. You know, someone like you and I, Dad. You know, people like a Brandon Herrera or Grantham, Mr. Gunzing. You know, any individual who is a pro-gun influencer they want to demonetize. That’s their call to action. I love the framework that she abuses in this. Sandy Hook and the group called Untargeting Kids, a call for platform transparency, putting parents back in charge of firearm safety. You know, whenever I hear the Democrats try to say, we need to stand on parents rights, it’s always comes down to oh, when it comes to firearm safety. But, you know, when it is hardcore pornography being offered to children, oh, that’s fine. Or, you know, a drag queen story hour. Oh, that’s fine. But oh no, when it comes to firearms, we need to give it back to the parents. So, they were trying to, yeah, they were trying to run this experiment, testing YouTube accounts mimicking a nine to 14 year old. Evan Nappen 28:21 Wait. Are you telling me that the Left are hypocrites? Teddy Nappen 28:26 Oh, well, as the saying goes. Evan Nappen 28:28 I don’t know about that. Teddy Nappen 28:30 As the saying goes, they only have double standards, or they would not have any standards at all. Evan Nappen 28:37 Exactly. Teddy Nappen 28:39 That’s how it always is with them. Whenever you see the term parental rights, you can see in the very corner, TM. It’s their version. Not when it comes to gender ideology, not when it comes to abortion, not when it comes to any other thing, but parents rights, TM. That’s their abuse of the language. Did you ever hear the word Democracy, TM. Or Second Amendment, TM. That is their version. Not what we know to be fact and truth. It’s their version. But anyways. So, they ran this experiment, which, you Page – 8 – of 11 know, these experiments can easily be debunked just by the abuse of algorithms. But whatever. We will say, for the sake of argument, we will say this data is true. So, they ran this experiment, and then 14 year old received 1300 firearm-related video recommendations after watching video games and movies that included firearm content. So, you know, a kid watches a bunch of Let’s Plays on Call of Duty, and then all a sudden, he gets a breakdown of an unboxing of a ACOG scope or something stupid. It’s one of those where they’re trying to make this argument, this very weak argument, on saying, oh, these videos are being monetized to target advertising, targeting our children. So, if a kid is interested in firearms, what is the problem with that? Why? He gets bombarded with tons of movies on all forms of graphic violence that goes into that. Then all of a sudden, it comes up with ad on any other influencer regarding firearm breakdown, because that’s the goal. They want you to get engagement. That’s it. And then I love this one. 54% of boys from 10 to 17 report sexually charged firearm content. Now, they do not define what sexually charged firearm content is. Evan Nappen 30:40 What is sexually charged firearm content? What is that? Teddy Nappen 30:43 It’s called we made it up! Because they love to just define terms. Evan Nappen 30:52 They just threw sex with guns, and don’t define it. Teddy Nappen 30:55 Correct. It’s just, and by the way, they don’t list any of the materials that was reviewed by the bots. Evan Nappen 31:02 Wait, it sounds like ammosexuality. Teddy Nappen 31:05 I know. Yeah, it is the hopalosexual all over again. Evan Nappen 31:10 What is that? That’s really interesting. Teddy Nappen 31:12 Yeah, and they don’t list any of the video game content that was reviewed. It doesn’t list any of the movies reviewed or the TV shows. Oh, because they don’t want to show the sexually graphic material that is pushed by the Left. You know, that’s why, you know, ask them. Evan Nappen 31:28 They should list it. They should list all that so that we could carefully review it, Teddy. Teddy Nappen 31:32 Well, unfortunately. Page – 9 – of 11 Evan Nappen 31:34 All these sexual . . . Teddy Nappen 31:37 I know, right? I love, and then she goes on where they’re forming the sense of self-identity that the get, that getting, they’re getting content that is talking about firearms makes you powerful. Firearms makes you sexually attractive. Firearms are the way to solve your conflict. Firearms are used to solve very certain conflicts. You know, when defending yourself against a rapist or a pedophile. You know, in certain situations, it’s a very good solution. It’s not a magic wand, but it solves certain issues. But there’s more. They like to always equate, like, oh, why do you need a gun? Because your penis is small? Like, it’s one of the small ones. Like, it’s that. They always do that. We’re like, what does that have to do with the aspect of your rights to defend yourself? Like that is the goal that they always try to play. And then she goes off on this whole thing of, we need to demonetize this. We need to review this content and look at the algorithms of YouTube transparency on firearms. And there must be. We need to sense. It goes. This long-winded conversation is just, we need to have time to deletion for videos for unsafe handling of firearms. What’s unsafe? Oh, there’s a firearm in the video. It’s just that. It’s just we need it. That censorship is not our goal, though. Yes, it is. Evan Nappen 33:06 I’ll tell you what. Here’s where I’ll take them up on it. Before any movie or TV show where a gun is improperly handled, you know, shows produced by all these major media producers, just have a warning. Just the way they warn about profanity, and they warn about smoking. Put a warning that says “unsafe firearm use is in this movie”. Unsafe firearm use. Do you know how many times we’ll see that? Because the Left media is the largest actual demonstrator of unsafe and unlawful use of firearms. It’s not conservatives. It’s the opposite. And so, let’s see those warnings. That way people suddenly say, wow, look how many times firearms are abused, used improperly and used illegally in the movies? I mean, if you can warn about smoking, you should be able to warn about that. Just put it. Don’t, don’t, don’t suppress it. Don’t try to have prior restraint or ban it, the showing of any of these movies. Just put the warning up front, and let people see just what’s being promoted by Hollyweird. Teddy Nappen 34:33 Well, and also, Hollyweird promotes all the sexual deviancies, where they push it on children. Where you have, you know, children have access to now hardcore pornography all across the internet, thanks to YouTube. Thanks to social media. Like, the level of it’s so disingenuous. Making this argument that we need to protect our children. Except when it comes to the LGBTQAI+ in schools, when it comes to all the other things that they want to sexually groom children. But, oh, firearm content, that’s the issue. When you get down to it, this is what they want. They want the 2019, they want the Biden Administration censorship. Where, right here, out of the House Judiciary Committee where the chairman approves and shows, oh, Google was pressured by the Biden administration to censor Americans. (https://www.pbs.org/newshour/politics/zuckerberg-says-the-white-house-pressured-facebook-to-censor-some-covid-19-content-during-the-pandemic) Page – 10 – of 11 Evan Nappen 35:30 That’s right. This is a really good point. They went after our First Amendment rights, just like the Second Amendment, and we lived through a period of Government censorship attempts that, when you look back, it was, it’s absolutely disgusting, what they pulled and what they were able to accomplish, even in achieving it, Teddy. It’s just insane. You would never think that could happen in America, because originally, the Left was for free speech. The Free Speech Movement was the Left, and now that’s no longer the case. They want the opposite. They don’t want free speech. Oh, hell no. But it used to be part of what true liberals, not today’s progressive, totalitarian liberals want, so-called. No, the classic liberal was absolute free speech, true, and they’ve abandoned that. They’ve abandoned it. Teddy Nappen 36:41 Well, it comes back to the idea of what the Left always does. They have no moral framework. The idea of, oh, what feels good? What is the cultural shift? What is the shifting ideology currently? Where you now have these massive purity tests on the Left, and that’s why they’re in a shooting war against each other as to who controls the party. But to even highlight this fact, Mark Zuckerberg said and admitted to the White House, yeah, I was pressured by the White House to censor people during Covid, over Covid 19 content. Doctors admitting all the false information that was out there. Bring that up. Completely censored off of Facebook, off of YouTube, all these platforms. X. You remember, you remember the Twitter files. Musk is releasing them weekly, showing the insidious combination of Government and censorship on the public square. This is what the Left wants. They are so upset that they have lost their ministry of truth. You remember that push? Evan Nappen 37:51 And they want to, right, and they want to use the same techniques to oppress the Second Amendment. It’s all part of the game plan. Teddy Nappen 38:02 Yeah. Evan Nappen 38:03 Well, Teddy, I appreciate you pointing this out, and I’m sure our listeners do as well. Let me tell you, we had a three round burst for GOFUs, and we only got two of the rounds out. Let me end here with the GOFU number three. And again, we saw this in action. These are actual cases, actual realities. I had a fellow client give me a call and say, hey, they were in court and they didn’t have counsel. Their guns were taken in an allegation of a so-called domestic violence, in which everything got dismissed. But there was an outstanding criminal charge that’s unfounded and going to the court. The so-called victim does not want to proceed. Does not want to proceed. So, what does the prosecutor do? The prosecutor tells this person, look, we’re going to downgrade this to a noise ordinance. Okay? So, it’s no longer in the category of domestic violence. If it stayed in that DV category, it makes you the equivalent of a convicted felon under federal law, and you’re banned from guns. The prosecutor said this way, with it as a noise ordinance, you’re fine. You’ll be perfectly fine. This will not affect your gun rights. Page – 11 – of 11 Evan Nappen 39:52 Now, this is a person who doesn’t have a lawyer. Who’s listening to the prosecutor, who is telling them they can plead this down to an ordinance. When the State’s key witness does not want to proceed and knows that the allegations that were made were not true and knows that it needs to be dropped. So, normally, the thing is, dismiss it straight out, because the complainant, the complaining witness, is not going to be real good for your case here. Okay? We all kind of see that, and it needs to go. But instead, the prosecutor is trying to convince this person to take this ordinance and pay a fine, get an ordinance hit, and saying that it won’t affect their gun rights. Evan Nappen 41:02 Here’s the deal, folks. It does affect your gun rights. You see, when a prosecutor says it doesn’t affect gun rights, that prosecutor is not representing you. They’re representing the State. They’re representing the Government. And if you don’t have counsel to explain to you the actual ramifications and you try to believe this, you know, however well intentioned it may have been, they failed to mention here that, yeah, it’s not a per se disqualifier, meaning, like being a convicted felon or having a conviction for domestic violence, sure, where you’re just out of the box. You’re done. But the reality in New Jersey is that if you plead to even this dopey ordinance for noise, you now have a conviction for an ordinance that started out as a domestic violence charge. Then when you try to apply to get a new pistol purchase permit or renew your carry permit or do a change of address on your Firearm’s ID Card, they go, oh, public health, safety, and welfare. That’s what they’re going to use to deny your application. Public health, safety, and welfare. Based on character, temperament. You know, I call that disqualifier the all-inclusive miscellaneous weasel clause, because that’s where the abuse of discretion comes in. And if you were to fall for this, oh, plead to the ordinance, it won’t affect your gun rights. Wait and see. Because now that comes up on your record and it links to the original charges, those police reports and all. And you ended up taking a plea, which has this appearance that you were guilty of something, and that’s why you pled. It sure as hell can affect your gun rights. So, friends, the takeaway is this. The GOFU is when you’re dealing on any criminal charge, make sure you have counsel that understands the gun laws and don’t try to rely on what a prosecutor may be telling you about how your rights will or won’t be affected. Evan Nappen 43:20 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 43:30 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Downloadable PDF TranscriptGun Lawyer S5 E277_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1964: Steve Chou debunks the myth of relentless hustle by revealing his own "lazy" approach to launching a thriving online business. Through personal stories and practical mindset shifts, like spending money to create commitment and ignoring fancy equipment, he shows how progress is possible even without motivation, goals, or perfection. Read along with the original article(s) here: https://mywifequitherjob.com/the-lazy-mans-guide-to-starting-a-successful-online-business/ Quotes to ponder: "Most of the successful people I know aren't superheroes. They are just regular people who have made the simple choice to get up off their butts and start something without regard to failure." "Equipment doesn't matter. You and your content matter. You don't need anything else." "You might be shaking your heads that $200 isn't a lot of money but that's not the point. Spending money can do profound things to your psyche and often times this is how I get myself off my butt."

The Deal You Never Knew Existed. Subscribe to our Newsletter: https://theultimatepartner.com/ebook-subscribe/ Check Out UPX: https://theultimatepartner.com/experience/ In this deep dive, Jay McBain reveals the harsh reality of the “28 Moments” in a modern B2B buying journey, using a multi-million dollar SAP deal at AstraZeneca as a wake-up call for vendors. He explains how traditional marketing leads are failing in the “decade of the ecosystem,” where trusted partners like NTT and SoftwareOne are winning deals in “light blue” partnership moments months before a customer ever downloads an ebook. If you aren’t visible in the seven-layer stack or collaborating with the partners who hold the customer’s trust, you aren’t just losing the deal—you're losing the entire market. https://youtu.be/NO-P6X2dTAo?si=8e_sVesqvwaC0M-E Key Takeaways Most vendors lose major deals without ever knowing a transaction was even taking place. The average considered purchase involves 28 distinct moments of research and influence before a sale. Trusted partners often close the deal in the “middle moments” months before the money is actually spent. Traditional marketing leads (MQLs) are often too “flimsy” compared to deep partner-led relationships. Winning in the ecosystem requires being part of a “seven-layer stack” of integrated technology and services. Data-sharing platforms like Crossbeam and Workspan are now essential to seeing the “invisible” pipeline. If you're ready to lead through change, elevate your business, and achieve extraordinary outcomes through the power of partnership—this is your community. At Ultimate Partner® we want leaders like you to join us in the Ultimate Partner Experience – where transformation begins. Key Tags: 28 Moments, Jay McBain, Ecosystem Strategy, AstraZeneca SAP Deal, Seven Layer Stack, B2B Buying Journey, Partner Ecosystem, NTT, SoftwareOne, Channel Strategy, Buyer Intent, Informa TechTarget, Collaborative Selling, Crossbeam, Partner Tap, Workspan, Marketplace Tracking, Co-selling, Tech Integration, Revenue Architecture, Pipeline Growth, Trusted Advisor, Digital Transformation, SAP Optimization, Microsoft AWS Competition. Transcript: [00:00:00] Jay McBain: So if you’re a vendor trying to get into that seven layer stack and you don’t have that relationship, or you don’t have the knowledge that NTT or software one is going in, this will have been a deal that would’ve never hit your pipeline and you’ll have no knowledge. So you will have lost this deal without knowing there was a deal. [00:00:19] Vince Menzione: We’ve been talking 28 moments, but you have a slide. I thought we’d spend some time here because, you know, every conversation with you is about 28 moments, but you finally took the time to analyze one of your deals or one of the deals that was going on with one of your clients and come up with the 28 moments. [00:00:36] Vince Menzione: I thought we’d spend a little time here because this journey slide is a wake up call. Uh, it’s, it’s, it’s all around. Why, why we need to think about all of those. Points we need to think about communities and analysts and marketplaces and proof of concepts and architecture and everything else. I thought maybe you’d take us through this a little bit. [00:00:53] Vince Menzione: ’cause this was for a client, AstraZeneca, by the way. This was, uh, if you don’t know this, ICI Americas was the precursor of mm-hmm. AstraZeneca. It was the first SAP customer in North America. [00:01:03] Jay McBain: Nice. I did [00:01:04] Vince Menzione: not know that. That’s why Microsoft and SAP both headquartered. In that area, near nearby, that client. [00:01:10] Vince Menzione: That’s, uh, news, new news. [00:01:11] Jay McBain: And by the way, this is an SAP deal we’re looking at. Yeah. Uh, so two things here. One is that, um, while I was declaring the decade of the ecosystem, you know, spending time with you and Boca, in between that time we got acquired. Canals, which was Latin for channel, got acquired by oia, part of Informa TechTarget, part of this bigger informa company, which is a Fortune 100 company outta the uk. [00:01:32] Jay McBain: Fantastic. You know, we’re part of this massive organization that is really around buyer intent. How, you know, a tech target and, uh, running hundreds of magazines like Information Week and Computer Week that customers and partners read running hundreds of events, the biggest events on the planet. [00:01:49] Vince Menzione: Crazy [00:01:49] Jay McBain: in B2B, like Black Hat and all these things are run by [00:01:52] Vince Menzione: Yeah, [00:01:53] Jay McBain: informa. [00:01:53] Jay McBain: So it’s got this massive mountain of data. About the 28 moments. So when you start to think if you’re a CMO and you start to think about the early moments, you, you think about somebody reading an ebook or, um, going to a, a webinar or going onto a LinkedIn live just like this one. Yeah, going to a major event and getting a pair of socks from you. [00:02:13] Jay McBain: Um, but anything early in the journey. These are the m qls. These are the things that I need enough of them to be credible before I hand them over to my sales team. ’cause I don’t wanna be laughed out of the room. Hey, they read an ebook. They must, AstraZeneca must be buying millions of dollars of stuff. [00:02:27] Vince Menzione: Traditional marketing lead. [00:02:29] Jay McBain: Traditional marketing lead. So they’re a bit nervous about sharing that. And then later on, the sales motions, the demos and all the progression of the sales. This was the two decades before us, the decade of sales, decade of marketing. But the 28 moments, just to take a step back, if you haven’t heard, it is just a considered purchase. [00:02:46] Jay McBain: It’s about psychology, human psychology. When you go and buy a car, second most expensive thing that you will purchase you on average will go through 28 moments getting ready for that purchase. Some people go through two moments and they just drive to the Cadillac dealership to see Larry, who’s been selling Cadillacs to the family for 80 years. [00:03:04] Jay McBain: Yep. Some people spend 58 moments. That’s probably me. [00:03:07] Vince Menzione: That’s you, a, [00:03:08] Jay McBain: you know, going through all the depreciation, watching every YouTube video, you know, going to the end of the earth. But the average is 28. So you start to think about this, this is the same buying a car considered purchase, that you would buy a million dollars in software. [00:03:21] Jay McBain: From Microsoft or SAP. So when you look at these moments, you start to think, you know, how is you before you buy that car, downloading the invoice price, downloading this month’s backend rebates. Should I buy it in January? Should I buy it in February? All these decisions you make before you get to that dealership, you’re smarter than the salesperson, smarter than the sales manager. [00:03:39] Jay McBain: You know what 5,000 people bought the car for within 50 miles of you? I mean, you’re just so smart. You actually don’t need the dealership anymore. Just Carvana to me, hand me the keys. Exactly. But now in buying technology, hardware, software services, customers are getting this smart. And here’s all the moments they take to get this smart. [00:03:57] Jay McBain: But the thing we always had in mind in this decade of the ecosystem was the 96% there are trusted people. Yeah. Spending decades building that trust that come in in critical moments. They’re not marketing moments, they’re not sales moments. They are fully partnership moments. Yeah. And they’re on this slide in light blue. [00:04:15] Jay McBain: So if you were to look at this deal and, and somebody in marketing is finding these eBooks and webinars and they think there might be something, AWS got a direct hit on their website. So there’s something brewing at AstraZeneca. It, it might be in, it’s a big pharmaceutical company, so you’re probably spending millions of dollars if something’s brewing. [00:04:31] Jay McBain: Yep. But guess what? At the same time, in December on this six month journey. Partners come in with five different paid projects, consulting, advisory design projects, and in this case it was NTT software one, Yash and uh, ISV was there. Yep. But NTT won three different. Deals right at that critical stage. It wasn’t Accenture, it wasn’t Deloitte, NTT at this particular department of AstraZeneca had spent the decades building those relationships. [00:04:58] Jay McBain: So they were the one, and they won critical part of this. And so that’s when the deal is won. And it’s not at April when the money’s being spent. Yeah, it’s, it’s not in March when a couple more ISVs joined the mix, that seven layer stack that solves this particular problem, it was right there. So if you’re a vendor trying to get into that seven layer stack and you don’t have that relationship, or you don’t have the knowledge that NTT or software one is going in, this will have been a deal that would’ve never hit your pipeline and you’ll have no knowledge. [00:05:30] Jay McBain: So you will have lost this deal without knowing there was a deal, which makes up again, the majority of your tam. [00:05:34] Vince Menzione: Yeah. [00:05:35] Jay McBain: But what if I did have this agentic ability to see this deal coming, and I’m a cybersecurity company, I’m just competing for layer five of the deal, but I know that it’s all happening in December. [00:05:46] Jay McBain: So the two things that jump out on this particular slide is one, they don’t just show up in December. [00:05:51] Vince Menzione: Yeah, [00:05:51] Jay McBain: this went closed one in their Salesforce CRM in August, September, well, before the customer ever read an ebook. So now you’re not dealing with a flimsy MQL. You’re dealing with a couple of great, you know, top partner 1000 sized firms. [00:06:09] Jay McBain: One of them is a partner, 30 firm. [00:06:11] Vince Menzione: Exactly. [00:06:12] Jay McBain: That is absolutely going into and earning hundreds of thousands of dollars in services to guide the customer to a millions of dollars in purchase. And, and you can imagine in that boardroom. With A CMO saying, Hey, I got this stuff here. And the head of channels or partnerships saying, no, no, this is real. [00:06:32] Jay McBain: Here’s the names, faces, and places. Yeah. And here’s how it’s happening. And this is exactly, this is the Gantt chart, this is the show up, this is the project, this is the outcome. This is exactly how it’s playing out. Now if I could go back and the board and the C-suite should be asking us, well, how many more deals like this can you see? [00:06:50] Vince Menzione: Yeah. [00:06:51] Jay McBain: If our TAM is, you know, how many billions of dollars? Could you double our pipeline by seeing more of these middle moments? And if we got a couple of months to spend with these partners before they get in front of the customer, could they build more of our portfolio into the deal so we’re not just layer five, maybe we’re layer three and layer five. [00:07:10] Vince Menzione: This slide screams at me. Integr Tech integration Cha. A partner channel integration of tech, uh, whether it’s Crossbeam, whether it’s Partner Tap, whether it’s work span, or any of these other technologies, tackle any of these technologies that are tracking marketplace, that are tracking partner to partner, co-selling. [00:07:30] Vince Menzione: Getting the integration points. The only way to really understand the situation here, because this is a multinational company. Yeah. It’s being touched at all PO points around the globe. And to understand who’s calling who, who’s influencing who, and getting a real view, you know, a uber view of what that looks like is super important. [00:07:47] Jay McBain: It is. And you know, if I’m trying to sell like a cross beam or partner tab or work span or something into my executive team, I’m just showing them this slide. [00:07:54] Vince Menzione: Exactly. [00:07:54] Jay McBain: Would you like to know about this deal? Like you see, October is the start of the timeline here. Would you like to know about this deal in August, September? [00:08:00] Vince Menzione: Yep. [00:08:01] Jay McBain: Would you like to know about it automatically? Again, we’re not waiting for somebody, a human in a cubicle to go fill out a form. We’re not waiting for them to call somebody at our in, in a cubicle at our company. Yeah. We’re literally age genically sharing platforms, and so when this triggers that AstraZeneca and now triggers in our CRM system as well, our team on AstraZeneca gets notified and it gets notified in September before the 28 moments even starts. [00:08:27] Jay McBain: This, the power of this, of doubling, tripling your pipeline and then winning a bigger yield, a bigger percentage of that pipeline. This is the holy grail of our industry, and no one’s gonna get to a hundred percent. You’re not gonna have a hundred percent of your tam covered by your pipeline. No one’s gonna win a hundred percent of that. [00:08:43] Jay McBain: But again, we only have to be 10 or 20% better than our competitors and we need to start moving on this now. [00:08:50] Vince Menzione: So your imperative for the partners here, well everyone watching here today, I mean, this screams to me build your ecosystem strategy in such a strong and succinct way. What else would you say to them? [00:09:00] Jay McBain: I mean, the second thing that jumps out, you see two AWS direct touches here. This is something that this would be inbound. This AWS would see this deal in their pipeline. [00:09:09] Vince Menzione: Yeah. [00:09:10] Jay McBain: Because the customer came to them. AWS lost this deal. Crazy. So Microsoft won this deal. I, I mentioned Microsoft outgrowing AWS Yeah. [00:09:19] Jay McBain: ’cause in this particular case, NTT and Software One and Yash came in with Microsoft. Yeah. To solve an SAP optimization, Microsoft, and, you know, seven layer deal. So whether you’re in AWS, whether you’re in Microsoft, whether you’re anywhere else in this industry, you’re thinking like, you’re not gonna probably overtake what happens in December. [00:09:39] Jay McBain: These are the most trusted, smartest people in the room. And whatever happens in those projects is the seven layer stack the customer’s gonna buy in March, April. So I, I start to think about this and go, I need to win. ’cause NTT has a wonderful relationship with AWS. [00:09:55] Vince Menzione: They do, [00:09:56] Jay McBain: I mean, partner of the year level. [00:09:57] Jay McBain: I mean, they’ve got 10,000 people certified. I mean, there’s just a, you know, there’s no one at AWS that, um, you know, would take a, a loss here because it’s a wonderful relationship. And Software One, they [00:10:09] Vince Menzione: go back to Microsoft actually 30, 40 years though they do. They were Dimension data before that. Yeah. [00:10:14] Vince Menzione: And they have the long hit Legacy And Software One. Software one as well. You, [00:10:19] Jay McBain: you know, well Software one is Microsoft’s biggest reseller, uh, in Europe. And now with Crayon, you know, one of the biggest in the world. So I would be nervous if I was looking at this and saw Software one coming in with NTT and watching these things take place if I were able to see this back in September, October and work with these companies. [00:10:38] Jay McBain: That’s where kind of Microsoft came into the picture. And this never hit Microsoft’s pipeline. No Microsoft salesperson ever worked on it, but millions of dollars came to Microsoft. Yeah. Uh, out of this deal. So there are examples of where Microsoft gets touched and AWS wins the deal. So this isn’t meant to say that it happens in every case, but it’s meant to say data rules the future, and agent ai, the ability to plumb in these boxes. [00:11:00] Jay McBain: Working with Informa tech, target people that can plumb in the boxes for you with third party data, helping you with the light blue boxes. We gotta be obsessed over these light blue boxes. [00:11:11] Vince Menzione: It’s incredible. The Ultimate Partner Winter Retreat is gonna be here in the Boca Studio. This is the third year that we’re gonna be here in Boca. [00:11:21] Vince Menzione: This is always a favorite of our community members, our executive members, our sponsors and speakers. We’ll all be here in the studio, which is a really intimate setting. We can see upwards of 40, 50 people. Uh, we’ll be hosting an incredible dinner at the Boca Resort overlooking the golf course. That’s an incredible property and, uh, we’d love to have you join us. [00:11:45] Vince Menzione: Thank you for being part of the ultimate Partner community, and I hope to see you this year at one of our events. Thank you.

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The central development addressed is the disconnect between rising overall IT spending and the declining channel share for MSPs and IT partners. Dave Sobel, in discussion with an industry analyst, highlights a reduction in indirect channel participation—from over 75% to a projected 66.7% in 2026—primarily due to the concentration of AI infrastructure investment among the largest technology firms. These hyperscalers and their associated CapEx do not translate into traditional channel opportunities, restricting partner involvement to areas outside large-scale AI data center buildouts.Supporting data point to a technological industry projected to reach $6.07 trillion in customer spend, growing at 10.2%, compared to significantly lower world GDP growth. However, almost none of the rapid AI-related CapEx from companies like Nvidia and Google flows down to channel partners, who instead rely on client-facing managed services, advisory, and security service work. The increasing complexity of customer demand—such as the shift toward managed security (15% growth) and AI services (35.3% compounded growth)—further pushes MSPs to focus on services surrounding the core product, rather than on direct product resale or thin margin opportunities.A significant operational shift within the channel also emerges: the distinction between “influence” and “execution” partners. Vendor programs increasingly recognize partner contributions outside of transactional resale, such as co-selling, advisory contributions, and services attached before or after the point of sale. This trend is reinforced as platforms move toward “point systems” and indirect revenue attribution, redefining how MSPs measure channel health and partner value in a more complex, multi-partner environment.For MSPs, IT providers, and decision-makers, the key operational implications are clear. Traditional growth through seat expansion is less reliable as hiring softens, and managed services must focus on multiplier opportunities—profitable service revenue attached to each dollar of product sold. Capturing value requires adapting to changing program structures, emphasizing trusted advisor roles, and collaborating effectively with adjacent partners. Near-term investment in understanding and building pre-sales AI and security services, and tracking evolving vendor economics, is essential for navigating the new realities of partner participation, risk allocation, and long-term business health.

Is seeing somome for 3 weeks to soon to celebrate Valentines day together? Is your partner spending Valentines with somone else? We chat about this and much more in this weeks episode. 

Daniel Lam discusses the volatility in technology stocks, the interaction between capex spending and monetisation, and areas for investors to be focusing upon.Speaker: - Daniel Lam, Head of Equity Strategy, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3457: Jackie Beck reveals how impulse spending isn't just about shopping sprees, it includes any unplanned expense that can quietly derail your financial goals. By identifying emotional triggers and using practical strategies like delaying purchases, avoiding temptation, and planning for fun, you can stay in control of your money and still enjoy life guilt-free. Read along with the original article(s) here: https://www.jackiebeck.com/what-you-may-not-know-about-impulse-spending/ Quotes to ponder: "Impulse spending adds up, and keeps you from your real goals if you let it get out of hand." "Remember that a good deal isn't a good deal if you don't already have the money for it." "There's nothing quite so freeing as saying 'I've got $150 this month to spend on anything I want.'" Episode references: FTC Consumer Advice – Unwanted Mail, Calls, and Email: https://consumer.ftc.gov/articles/how-stop-junk-mail Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3456: Marjolein Dilven shares nine practical strategies to stay motivated and stick to your budget without feeling deprived or overwhelmed. From paying yourself first to using vision boards and rewarding progress, these tips are designed to help you build momentum toward your financial goals while enjoying the journey. Read along with the original article(s) here: https://radicalfire.com/stick-to-your-budget/ Quotes to ponder: "Pay yourself first. If you have savings or debt payoff goals, pay those things first." "If you're feeling deprived by your budget, you will be more likely to break with it." "Don't be the person that buys the cookies and tries to train their willpower attempting not to eat them." Episode references: You Need a Budget (YNAB): https://www.ynab.com Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm back with my friend and colleague Sabine Hossenfelder for another episode of “What's New in Science”. I think this is one of my favorite dialogues that we have had. Spending time with Sabine was a nice chance to step away from my physics lecture series for a bit. I know many of you have been enjoying the lectures, so don't worry, they'll be back soon. In this episode, we covered the kind of science news I like best: ideas you can argue about and results that make you recalibrate. Sabine opened with describing a clever proposal that future fusion reactors might double as axion dark matter factories, producing a flux of very light, weakly interacting particles through neutron-lithium reactions in the shielding. That led to a discussion about what people mean by “axions,” why particle physicists tend to be more particular about the term, and why I'm always more interested in dark matter candidates that were invented to solve an actual problem, not just to fill a cosmological gap. From there we jumped to quantum mechanics at the edge of common sense, with a Vienna experiment showing interference from a cluster of thousands of atoms, and a friendly disagreement about whether “collapse” is a real physical process or just the wrong way to talk about what quantum mechanics is doing.We also talked about AI and math, including the recent swirl of claims about machines proving famous open problems, what was hype, what was rediscovery, and what might genuinely be changing in how mathematicians search the landscape. Then we went from equations to extinction, with a fascinating new approach using space dust and helium isotopes to argue that life may have started rebounding after the Chicxulub impact far faster than people had assumed. Sabine brought a surprising example of string theory mathematics finding a practical use in modeling biological networks, and we ended with biology proper in two very different moods: a sobering study in mice suggesting lung tumors can hijack vagus nerve signaling to suppress local immune responses, and then a lighter result about dogs learning words from overheard human conversation at roughly toddler level. My dog Levi, who many of you have seen on the podcast, was asleep next to me while we talked about it, which felt like the right way to end.As always, thank you for your continued support, and I hope the changing of seasons brings you good time with friends and family.As always, an ad-free video version of this podcast is also available to paid Critical Mass subscribers. Your subscriptions support the non-profit Origins Project Foundation, which produces the podcast. The audio version is available free on the Critical Mass site and on all podcast sites, and the video version will also be available on the Origins Project YouTube. Get full access to Critical Mass at lawrencekrauss.substack.com/subscribe

Start feeling strong and healthy today- with 100+ of amazing women: https://brittany-pearson-0916.mykajabi.com/joinus-c314ce99-4585-4cae-b251-ccae6f397184/PERSONALIZED WORKOUT OPTIONS: found at the bottom of this page: https://www.healthycatholicmoms.com/services/Start losing fat NOW with this FREE guide: https://mailchi.mp/fbd438cb9e15/free-macro-downloadTry my FREE 3 Day Pregnancy Workout Challenge here: https://mailchi.mp/3544a2978243/threedaypregnancyprogramGet the FREE GUIDE to Exercising Postpartum!https://mailchi.mp/4e93de16eeaf/q047rmh7veMy pregnancy and postpartum programs are ALWAYS available right here:https://www.healthycatholicmoms.com/services/Shop Healthy Catholic Moms merch here! Mugs, shirts, and more...https://www.healthycatholicmoms.com/shop/Join my email list here: https://www.healthycatholicmoms.com/____________________________________________________________________________________Schedule a 30 minute coaching call with me here:https://www.healthycatholicmoms.com/services/____________________________________________________________________________For recipes, workouts, and tips- follow me on:Instagram: https://www.instagram.com/healthycatholicmoms/Facebook: https://www.facebook.com/healthycatholicmomsEmail: brittany@healthycatholicmoms.com

If there were no spending, there would be no need for investments. No portfolios. No Monte Carlo simulations. No withdrawal strategies. No Social Security timing debates. Because the entire purpose of money in retirement is spending. To find links and resources mentioned in today's podcast, visit SoundRetirementPlanning.com and click on Episode #468. When you work with Parker Financial, our advisors use the Retirement Budget Calculator — a powerful retirement planning tool developed by our firm — to design, test, and refine your retirement plan. It's now used exclusively within our advisory process to help deliver more precise and personalized outcomes. At Parker Financial, we build well-crafted retirement and investment strategies grounded in academic research and financial science — designed to give you clarity, confidence, and freedom as you move into and through retirement. Don't leave your future to chance. Take the first step toward a sound retirement. Schedule your complimentary discovery session today by visiting Parker-Financial.net. Let us help you make the most of your retirement years.      

HOUR 3 - We get back on track to discuss the Giants’ lack of major offseason spending and what it means for 2026. Then we dive into a heated debate: should you recline your seat on an airplane? Plus, don’t miss our reaction to the hilarious new NBA All‑Star Game commercial.See omnystudio.com/listener for privacy information.

When high earners ramp up their spending while low earners pull back, that's a symptom of a "k-shaped" economy. But what about middle-income households? New evidence shows the middle class is also struggling in comparison to the wealthiest Americans. It's sort of like a K shape within a K shape. After that: Newer firms are more likely to offer work-from-home options, Opera America has financial reasons for splitting from The Kennedy Center, and we check in with a few small businesses ahead of an upcoming inflation report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

When high earners ramp up their spending while low earners pull back, that's a symptom of a "k-shaped" economy. But what about middle-income households? New evidence shows the middle class is also struggling in comparison to the wealthiest Americans. It's sort of like a K shape within a K shape. After that: Newer firms are more likely to offer work-from-home options, Opera America has financial reasons for splitting from The Kennedy Center, and we check in with a few small businesses ahead of an upcoming inflation report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

In the spirit of Valentine's Day, we're talking about how to build a stronger financial partnership - from financial date nights and shared accounts to the subtle social norms that still influence modern couples. Today's guest is Dr. Emily Garbinsky, professor at Cornell's Johnson School of Business, whose work explores how couples make financial decisions, how pooling money affects relationship satisfaction, and what really happens when one partner earns more than the other. Learn more about Dr. Garbinsky's research here. Hosted on Acast. See acast.com/privacy for more information.

904. Laura reviews strategies to resist impulsive spending so you can save more money and achieve your financial goals faster.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kara and Scott break down the Super Bowl ads, and the backlash over Bad Bunny's halftime show. Then, they look at what's next for crypto, as Bitcoin and major tokens plummet. Plus, Amazon and Big Tech continue their AI spending spree, Trump throws his support behind the Nexstar–Tegna merger, and Kara has a message for Jeff Bezos. Watch this episode on the ⁠⁠Pivot YouTube channel⁠⁠.Follow us on Instagram and Threads at ⁠⁠@pivotpodcastofficial⁠⁠.Follow us on Bluesky at ⁠⁠@pivotpod.bsky.social⁠⁠Follow us on TikTok at ⁠⁠@pivotpodcast⁠⁠.Send us your questions by calling us at 855-51-PIVOT, or email Pivot@voxmedia.com Learn more about your ad choices. Visit podcastchoices.com/adchoices