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Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. Please subscribe now for as little as 5$ and gain access to a community of over 800 awesome, curious, kind, funny, brilliant, generous souls Check out StandUpwithPete.com to learn more 27:00 Bob Rice is one of the old show's all time favorites and for no main reason he hasn't been on the show is the Alternative Investment Editor at Bloomberg Television, where he appears daily on “Money Moves with Deirdre Bolton,” the only show on TV solely dedicated to Alternatives. Bob has been involved in Alternatives world for 30 years. He serves on boards of investment management firms with over $2 billion of assets under management, as well as Gust, the leading platform for seed stage companies and investors. After starting his career at the U.S. Justice Department, he worked on the early generations of derivatives as a partner at premiere Wall Street's law firm Milbank, Tweed. He then entered the private equity world via Wexford Capital, where he launched a 3D technology startup that later became the publicly traded Viewpoint, of which he served as CEO. In 2004, he founded merchant bank Tangent Capital, whose principals have raised and invested several billions of dollars for and in alternative funds and transactions. Bob appears regularly on dozens of major media outlets around the world, and frequently keynotes at major financial industry conferences. 1:09 Glenn Kirschner is a former federal prosecutor with 30 years of trial experience. He served in the U.S. Attorney's Office for the District of Columbia for 24 years, rising to the position of Chief of the Homicide Section. In that capacity, Glenn supervised 30 homicide prosecutors and oversaw all homicide grand jury investigations and prosecutions in Washington, DC. Prior to joining the DC U.S. Attorney's Office, Glenn served more than six years on active duty as an Army Judge Advocate General (JAG) prosecutor, trying court-martial cases and handling criminal appeals, including espionage and death penalty cases. Glenn tried hundreds of cases in his 30 years as a prosecutor, including more than 50 murder trials, multiple lengthy RICO trials and precedent-setting cases. Glenn's YouTube Channel Glenn's Podcast Check out all things Jon Carroll Follow and Support Pete Coe Pete on YouTube Pete on Twitter Pete On Instagram Pete Personal FB page Stand Up with Pete FB page
In our news wrap Monday, the military in the North African nation of Sudan seized power in an apparent coup, detaining the country's prime minister, deposing a governing council that included civilian leaders and cracking down on protestors. A new United Nations report revealed that emissions increased at a faster rate in 2020 than the annual average this last decade. Stocks surged on Wall Street. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders
In today's episode, we have John Hyre, a tax attorney sounding the alarm on what the law makers are doing to control YOUR retirement funds, covertly slipping in legislation that will affect your SDIRAs, IRAs, ROTHs, 401ks etc. You need to take action before it's too late. The Democratic House is looking to gut self-directed retirement accounts (especially IRAs, possibly 401(k)s and Solo 401(k)s), and they are attempting to do it very quietly and very quickly. You can stand by and do nothing…and pay the price, literally. Or you can fight. To protect your retirement (or the funds that feed your business if you raise money from SDIRAs/401(k)s), you will need to fight promptly and loudly. Procrastinators are useless in this fight. On “how to fight it” visit the sites listed below. Key Takeaways: [1:30] Homes sold BEFORE built [4:12] The World Housing Bubbles [6:20] A Brief Intro on our Guest [7:54] Housing Bubble Risk on VisualCapitalist.com [10:45] Rollercoasters, the Perfect Housing Metaphor [12:30] The Collective- an Invitation [14:14] Introducing John Hyre [15:02] The Tax Practice [16:16] Why Should We Be Concerned About this New Tax legislation [18:01] If It Passes, What Will Happen? [21:28] HandsOffMyIRA.com [25:28] Building a Berlin Wall Out of Paper [26:43] What You Can Do [27:35] Strategies Moving Forward [30:50] Sample Deal [32:51] What Peter Thiel did [33:44] The Broader Economic Impact [36:01] Ken McElroy Invites You to the Collective Mastermind Tweetables: A government that is broke becomes predatory on it's citizens. Jason Hartman The government is trying to force you off of Main Street into Wall Street. John Hyre They're building a Berlin Wall out of paper backed by guns. They don't care if you leave; but your money needs to stay. John Hyre You don't want the tax tail to wag the economic dog. John Hyre Websites: HandsOffMyIRA.com TaxReductionClass.com TaxReductionLawyer.com VisualCapitalist.com TheCollectiveMastermind.com The WEALTH TRANSFER is happening FAST! Protect your financial future now! Did you know that 25% to 40% of all dollars ever created were dumped into the economy last year??? This will be devastating to some and an opportunity to others, be sure you're on the right side of this massive wealth transfer. Learn from our experiences, maximize your ROI and avoid regrets. Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com Jason's TV Clips: https://vimeo.com/549444172 Asset Protection, Tax Savings & Estate Planning: http://JasonHartman.com/Protect What do Jason's clients say? http://JasonHartmanTestimonials.com Easily get up to $250,000 in funding for real estate, business or anything else http://JasonHartman.com/Fund Call our Investment Counselors at: 1-800-HARTMAN (US) or visit www.JasonHartman.com Guided Visualization for Investors: http://jasonhartman.com/visualization
“The North American development pattern, the way we build our cities, creates a lot of liabilities and not enough wealth, financially, to actually take care of those liabilities.” These are the words of today's guest Charles “Chuck” Marohn. Chuck is the founder and president of Strong Towns, as well as a professional engineer and land use planner with decades of experience. He is also the author of Strong Towns: A Bottom-Up Revolution to Rebuild American Prosperity and Confessions of a Recovering Engineer. In this episode, Chuck sheds light on how the way in which we build our cities has drastically changed since before the Great Depression and how the current North American development pattern creates towns and cities that lack the wealth to be able to maintain their critical infrastructure and take care of their own futures. Tuning in you'll hear how the problems of Ferguson, Missouri can be attributed to this pattern, how northeastern cities compare with southwestern cities based on their development since World War II, and why Chuck has more hope for the future of Detroit than the future of Phoenix. For an eye-opening conversation on how we need to adapt in order to build strong towns, tune in today! Key Points From This Episode: • Charles “Chuck” Marohn explains how Strong Towns is both an organization and a movement. • How the North American development pattern creates towns and cities that are unable to take care of their own futures. • Why Chuck believes that the way cities grow today has a Ponzi scheme-like aspect to it. • Thoughts on what percentage of the liabilities are covered by Wall Street capital versus state and federal. • How northeastern cities compare with southwestern cities based on their development since World War II. • Ferguson, Missouri as an example of a once affluent area that has aged and is experiencing this distress. • How the way in which we build our cities has drastically changed since the pre-Great Depression. • Why Chuck is excited about the neighborhoods in Detroit where they are reusing old buildings instead of tearing them down. • The concept of the Paris 15-minute city and what Chuck likes about it. • Thoughts on other countries that have copied the North American development pattern. • A comparison between the development styles of cities in the Netherlands versus those of Belgium and why the cities in the Netherlands are doing better. • What we can learn from Amsterdam transitioning from a car-centric environment to a pedestrian and bicycle-centric environment. • What we should expect southwestern American cities like Phoenix to look like in 30 years. • What Chuck would do if building a new town or a new city from scratch. • The lesson we can learn from the shift from the 20th century to the 21st century. • Thoughts on Manhattan's framework for development. • The concept of a “good party” and why the ratio of private to public investment is more important than the density ratio. • Chuck's thoughts on the YIMBY movement. • Insight into what became of civil engineering. • Thoughts on why the local Government has become so ineffective and so overburdened. • What it means to build a Strong Towns movement and what we can expect from it over the next 5 to 10 years. Links Mentioned in Today's Episode: https://www.linkedin.com/in/charlesmarohn/ (Charles Marohn on LinkedIn) https://twitter.com/clmarohn (Charles Marohn on Twitter) https://www.strongtowns.org/ (Strong Towns) https://www.amazon.com/Strong-Towns-Bottom-Up-Revolution-Prosperity/dp/1119564816 (Strong Towns: A Bottom-Up Revolution to Support this podcast
In today's show, Pancham interviews Dave Dubeau - an investor attraction expert, author of seven books, and owner of Results Enterprises, Inc. Active real estate investors tend to run out of capital quickly as they do deals. Fortunately, Dave has created a blueprint on how to get started with raising capital when you're actively investing! Starting from scratch, Dave had gotten into real estate investing in 2001 and has done various range of deals since then! In today's episode, we'll get the ultimate guide to raising capital and doing active deals as Dave shares how to connect with potential investors and how to keep the ball rolling! He'll also share beginner's mistakes, the challenge to raise capital, and the importance of consistent marketing so tune it until the end! Listen and enjoy the show! Quote: “My goal is instead of asking people for the money, what if we can get people to come into us asking about our deal instead?” Timestamped Shownotes: 1:36 - Pancham introduces Dave to the show 2:31 - His background and how he came up with “Money Partner Formula” 4:54 - On raising capital by partnering with people with close relationships 8:30 - How "warm-up campaigns" will help you gain connections 10:46 - Why should your presentations not be overwhelming with information 13:14 - How consistency in marketing helps in gaining more capital 18:00 - How failures in his business in Costa Rica set him up for later success 23:42 - Taking the Leap Round 23:42 - His 1st investment outside of Wall Street 24:15 - Overcoming his fears when he 1st invested 24:34 - His investment that didn't go as expected 25:27 - Why investors should get good education and good partners 26:46 - Where you can get a copy of his book, “Money Partner Formula” 3 Key Points: Novice investors who are raising capital often mistaken anyone as a good investor. It's best to raise capital with people who you know best, especially when you're still starting. When presenting your investing model, it should be simple as not everyone understands the different real estate terms. Most investors tend to stop marketing once they've gained capital. Continuous marketing is one key to success as we would want them to contact us when they're ready to invest. Get in Touch: Get a FREE copy of Dave Dubeau's “Money Partner Formula” at moneypartner@thegoldcollarinvestor.com The Gold Collar Investor Banking - https://thegoldcollarinvestor.com/banking/ The Gold Collar Investor Club - https://thegoldcollarinvestor.com/club/ Pancham Gupta Email - p@thegoldcollarinvestor.com
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Seguimos hablando de algunas de las mejores películas de los últimos 20 años. Hoy hablamos de El lobo de Wall Street. Muchas gracias por escucharnos, si quieres acceder a ventajas y apoyar este podcast hazte suscriptor premium en: www.hoyhablamos.com
This dual couple veterinarians, 7.5 years out of training, have a $2-4 million net worth depending on how you value their practice. They attributed their success to targeting debt aggressively and buying a practice. This couple has been able to get their income up but many would not consider veterinarians high income earners. Veterinarians share many of the same financial and life challenges faced by other medical professionals. And financial independence is still possible. https://www.whitecoatinvestor.com/financial-independence-on-a-low-income/ This podcast was sponsored by the Peak Housing REIT, a diversified single-family rental portfolio designed to deliver stable, passive income and appreciation while minimizing the impact of taxation. With a rare $25k minimum investment, this evergreen fund is breaking down the traditional barriers of investing in real estate with their strategy of building, acquiring and operating SFR properties in growing secondary cities. With a portfolio of homes totaling 1500 by the end of 2021, and a forecasted 10,000 homes by 2026, now is the time to invest in the Peak Housing REIT. Learn more at https://www.whitecoatinvestor.com/peak The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones Main Website: https://www.whitecoatinvestor.com Student Loan Advice: https://studentloanadvice.com YouTube: https://www.whitecoatinvestor.com/youtube Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter
Text LEARNERS to 44222 for more... Full show notes at www.LearningLeader.com Twitter/IG: https://twitter.com/RyanHawk12 Dr. Randall Stutman is a leadership scientist dedicated to exploring the behaviors and routines of extraordinary leaders. Labeled by Goldman Sachs as the most experienced advisor and executive coach on Wall Street, he has served as a Principal Advisor to more than 2,000 Senior Executives, including 400 CEOs. His work as an advisor and speaker has taken him to the White House, West Point, the Olympics, and the Harvard Business School. Randall is the founder and co-head of the Leadership Practice at CRA. and the Admired Leadership Institute. Notes: The three types of leaders: Result Leaders: People who achieve the company's goals Followers Leaders: People who are loved by their subordinates Admired Leaders: People who both achieve results and are loved by subordinates Admired leaders aren't just admired in the workplace, they're admired by friends, family, neighbors, and basically everyone they interact with... “It applies to everything. Leadership is leadership and it applies to every aspect of your life.” A great way to spread positively is through third-party praise. Say something nice about someone to another person and eventually, the positive comment will make its way to the individual mentioned. Excellence: Optimistic Persistent Focused Sound judgment Objective Learning machines Best coaching relationships: Created peer-like quality... You learn from each other The best leaders? It's not about them. It's others focused Leaders put other people up front. They lead from the back. Leadership is making people and solutions better. Anyone can lead anytime they choose. How does a 1:1 Leadership Coaching call go? Catch up personally and professionally Discuss critical episodes in the business Walkthrough situations Set agenda Register - Keep notes, send follow-ups Frequency of conversations with clients: Every three weeks Must be: A sounding board A deep listener Offer feedback Highly prescriptive - Need to make you better Admired leaders are: Someone that produces extraordinary results over time. Followership: People feel differently when engaged with them. They will do anything for them. Admired leaders are rare... Excellence in leadership: Show up in a crisis Admit mistakes Walk the talk Who coaches Randall? Feedback from clients Coaching clinics -- Gets together with other coaches 3rd party praise: Don't be "praise stingy" When you see excellence, tell a third party "There's no 'but' in it." What's something Randall has changed his mind about over time? "I initially thought leaders should be objective and fair. Then I studied Admired Leaders. They play favorites based on performance. They reward high performers.: Life/Career advice: Control what you can control Work hard at getting better "The best people bring passion to what they do."
It's easy for our identities to look like checkboxes: white and black, woman and man, young and old. How do we speak about the communities we belong to without the weight of entirely representing them? Lilah speaks with Jason Mott, author of the National Book Award shortlisted novel Hell of a Book, about race, identity, masculinity and more. Plus, we go sneaker shopping with style columnist Rob Armstrong to dissect the unspoken rules of men's fashion.Links from the episode:Robert's style guide on sneakers for middle-aged men: https://www.ft.com/content/7e2a31d5-b456-4e02-9b4f-9b80531f470e Rob's day job, the Unhedged newsletter on markets and Wall Street: https://www.ft.com/content/31374c59-deb0-4b62-a9b2-f56ecb78e4d8 The FT's video on the $6bn sneaker industry: https://www.youtube.com/watch?v=ez2cg-xo1L4 Jason Mott's novel, Hell of A Book: https://www.penguinrandomhouse.com/books/670375/hell-of-a-book-by-jason-mott/ For an exclusive 50% online subscription (and a discounted FT Weekend print subscription!), follow this link: http://ft.com/weekendpodcast The FT NextGen festival is back! This Thursday the 28th of October! It'll be full of great panels. Here's a promo code so you can attend for free. And if you're in London, there's an in person reception at the London Brewery. Sign up at www.nextgen.live.ft.com with promo code FTNextGenx2021Sound design and mixing is by Breen Turner, with original music by Metaphor Music. See acast.com/privacy for privacy and opt-out information.
DB-Oct22,2021: Former President Donald Trump's new social media company is skyrocketing on Wall Street, sparking speculation about whether this is the next meme stock. Meanwhile, current U.S. President Joe Biden backs away from hiking corporate taxes to fund his infrastructure and spending bill and is devising how to end the filibuster role in the Senate. Across the ocean in China, Evergrande is pulled back from the brink of default with a bond coupon, earning itself another week to pay its interest. And in the crypto world, Valkyrie launches its own Bitcoin Futures ETF today on the Nasdaq, but it sunk into the shadows of the ProShares ETF launched earlier this week. Jim Bianco, president of Bianco Research, joins to unravel this packed day in price action. Interviewed by Maggie Lake. Want to submit questions? Drop them right here on the Exchange: https://rvtv.io/3ngJqN7 Learn more about your ad choices. Visit megaphone.fm/adchoices
Caleb Maupin, journalist and political analyst, joins us to wrap up the important stories for the week. Iran and Venezuela push back against US sanctions as they deepen economic ties with a 20-year cooperation accord. Also, we discuss the kidnapping of Alex Saab, California's new gender-neutral toy law, and international support for China as the US tries to undermine the Pacific nation's legitimacy.Jack Rasmus, professor in economics and politics at St. Mary's College in California, joins us to discuss the economic stories for the week. The weekly jobs report is in, and Dr. Jack interprets the numbers in light of the current facts on the ground. Also, Congress wrangles with the numbers on major spending bills, and Senator Elizabeth Warren (D-MA) takes aim at Wall Street.Dr. Francis Boyle, human rights lawyer and professor of international law at the University of Illinois College of Law, joins us to talk about the US empire. Dr. Boyle discusses his Consortium News article about the current state of the US empire. Dr. Boyle argues that the "unlimited imperialists" that are currently running the US are, either wittingly or unwittingly, using the historical models of Rome and Nazi Germany as their ideological compass.Dan Lazare, investigative journalist and author of "America's Undeclared War," and Martin Sieff, senior fellow at the American University in Moscow, come together to talk politics. Russia has had enough of endless accusations as the Eurasian world power has elected to cut relations with NATO. Also, Clinton lawyer Michael Sussman hired Crowdstrike to investigate the DNC servers, and President Biden continues Donald Trump's vicious foreign policy.Jim Kavanagh, writer at thepolemicist.net and CounterPunch, and Margaret Kimberly, editor and senior columnist at Black Agenda Report, join us to discuss this week's important stories. Christopher Steele seems to be caught in a trap of his own making as he comically defends his infamous dossier. Also, the US empire continues to persecute Julian Assange, Joe Biden has kidnapped Venezuelan diplomat Alex Saab, and the new German owner of Politico openly admits that he will enforce pro-Israel and free-market propaganda.
US officials are warning about China's ambitions in artificial intelligence, saying that the country could come to dominate in the field, giving the country unprecedented military advantage. Chris Meserole, an AI researcher with the Brookings in Washington DC, explains the concern. Also in the programme, we'll have a check-in on the day's trading on Wall Street, from FHN Financial's Chris Low.
Where does our DeLorean take us this week? With Santos missing out on Wall Street, Freddie makes this film the next revisit. We also talk about James Bond, the Mexican version of Wall Street, and we cant tell time or do math. All this and more before heading Back to the Future. Join two Chicanos as they hop in their Delorean and travel Back in Time to revisit the movies, music, and moments of their past.
Earnings season is in full force. Join Investor's Business Daily news editor Ed Carson and Alissa Coram, IBD's multimedia content editor, as they discuss stocks set to capture Wall Street's attention and why market conditions are crucial when looking for the best stocks to buy.
Join us on Patreon for Part 2: www.patreon.com/whatslefttodo If Patreon isn't your thing, please join us in supporting this work with a contribution over at: www.whatslefttodo.com/support Julian LaRosa is a public banking activist, an oft overlooked area of contestation for the left. But before he became a Numbers Guy on the left, he was pretty apolitical in a family of conservative Republicans. He became politicized during his time in the military, when he was deployed to Iraq (he became an anti-war, Ron Paul guy). His journey left continued in college, as he began to study economics as a way to engineer society.
Be part of our community by joining our Facebook group: https://www.facebook.com/groups/thoughtbehindthings Exploring economic policies, global trends, and rising inflation with tonight's guest, Hamza Farrukh. He is the Vice President at Goldman Sachs and the founder of Bondh E Shams, the solar water charity. What has been his journey like since high school to date? Did he start working at Goldman Sachs right after graduation? How has he started Bondh E Shams? How he was able to get into Wall Street? Where does he see the global economy headed towards? Is the American financial system in recovery? What economic policies are being tested all this time? How does he see The US, China, and the new economic trends? Tune in to know more new geo-economic order, what countries like Pakistan can expect, the value of a dollar, and Pakistan of 2050! Connect with us: • https://www.instagram.com/thoughtbehindthings • https://www.instagram.com/muzamilhasan Hamza Farrukh's socials: Twitter: https://twitter.com/hamzafarrukh LinkedIn: https://www.linkedin.com/in/hamzafarrukh --- Support this podcast: https://anchor.fm/syed-muzamil-hasan-zaidi3/support
Out Top Stories: U.S. Home Sales Surge, Intel Disappoints and Wall Street Is Shrinking Learn more about your ad choices. Visit megaphone.fm/adchoices
Una codicia insaciable, dotes de líder carismático y una egolatría sin límites llevarán a Jordan Ross Belfort a buscar atajos para lograr el sueño americano con base en la trampa, el engaño y el cinismo. Sus escrúpulos no estarán disponibles para obedecer norma alguna y se embarcará no sólo por la manipulación del mercado, sino también de casi toda persona que se le pase por el frente. El lobo de Wall Street, la entrega de Martín Scorsese en 2013, ya se ha convertido en un clásico del cine y la comentamos en una interesante conversación con Jorge Velarde. Un intercambio que pasa por las finanzas, la economía, la política y la ética. ¡No te lo pierdas!
About this episode In this episode we'll follow how Canada fintech had to evolve because of the consumer needs and experiential expectations. The rise of Wealthsimple, Portage Ventures, Diagram Ventures and how Paul Desmarais helped make Wealthsimple possible. Due to high demand the Canada Fintech Forum was created. About this series The early 2000s ushered in the development of technological innovations and specialized talent. Over the following decades, the support to that ecosystem through government and other innovative programs cultivated a fintech evolution all across North America. In this series we'll follow the story of how it all started, how it's going today and what each player can do for a more expansive fintech of tomorrow. Join us and listen to the stories of the people who helped make fintech in Canada what it is today, people such as Paul Desmarais III, Dominique Ferst, Maor Amar, David Unsworth, Jan Arp, Michael Katchen, Stephanie Choo, David Nault, Matthieu Cardinal, Marcus Daniels & many more. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify, Amazon and iHeartRadio. About the host & producer of this series. John, is the host of the ‘Bank On It' podcast recorded onsite in Wall Street at OpenFin and the founder of the remotely recorded, studio quality standardized podcast production system ListenDeck. Follow John on LinkedIn, Twitter, Medium
Guy, Dan and Danny discuss Paul Tudor Jones' inflation warning (2:18), earnings pushing the market higher (4:41), the Trump SPAC (8:42), and the market set up through year-end (18:23). The co-hosts interview podcast host and former U.S. Attorney Preet Bharara and talk about his career as the top cop on Wall Street (25:05), crypto regulation (53:57), and Bruce Springsteen (1:01:25). ---- See what adding futures can do for you at cmegroup.com/onthetape. ---- Shoot us an email at OnTheTape@riskreversal.com with any feedback, suggestions, or questions for us to answer on the pod and follow us @OnTheTapePod. We're on social: Follow Dan Nathan @RiskReversal on Twitter Follow @GuyAdami on Twitter Follow Danny Moses @DMoses34 on Twitter Follow us on Instagram @RiskReversalMedia Subscribe to our YouTube page
Join Puck writers Peter Hamby, Matt Belloni, and Dylan Byers for an expert discussion about these topics and more: Netflix's ongoing Dave Chappelle damage control campaign, and the silver lining for trans creators in Hollywood Halloween Kills' big win at the box office — and in the App Store Ratings are up for live sports, but how long will they be tied to linear TV? If Dean Baquet leaves this year, who will take over the New York Times? The challenges facing Politico as Axel Springer comes in Why might Disney spin off ESPN? Puck's team writes about the inside conversation happening in Wall Street, Washington, Silicon Valley, and Hollywood. https://puck.news/subscribe/ (Become a Puck member) starting at $12.99/month or $100/year for daily articles and breaking news from Peter, Matt, Dylan, and more.
Eric and Andy discuss a message from a listener about working with subcontractors.
Law360's Pro Say - News & Analysis on Law and the Legal Industry
Cryptocurrency inched closer toward the mainstream this week when the first-ever exchange-traded fund linked to bitcoin was launched, opening up the world of crypto investing to essentially anyone with a brokerage account. So what does it mean now that everyone can bet on the hotly debated currency, and how are regulators working to make digital money safe for the masses? Law360 senior fintech reporter Elise Hansen joins the show to break it all down. Also this week the Justice Department indicts a former Boeing employee for duping federal safety regulators related to 737 Max jets; a New York judicial report rebukes Arnold & Porter attorneys for discovery abuse in opioid litigation; and another pharma company regrets making parody videos.
In this episode of the NFT QT Show, QuHarrison Terry and Ryan Cowdrey are joined by special guest Bennett Tomlin, co-host of the Crypto Critics Corner podcast. He's a data scientist that is fascinated by tracking down fraud in crypto-related projects. We cover topics including:– Spotting scams or fraud in crypto-related projects– Comparing / contrasting securities and NFTs– Relating the failures of early utility and governance cryptocurrencies with today's NFT projects– Bennett's take on NFT-related coins and SEC regulationFor more information on the topics discussed in this episode, head over to NFTQT.com
Experienced specialist with a deep knowledge and demonstrated history of working in all aspects of Corporate Finance and Capital Markets. Innovator, developer and marketer of new financial products converging technology with deep Investment Banking Industry expertise involving Equities, Fixed Income, Mergers & Acquisitions, Financial Restructurings and Strategic Alliances. Strong professional with a combination of Wall Street experience and entrepreneurial skills to initiate transformative changes for a positive and socially responsible impact.
Alexander Mercouris, editor in chief at theduran.com and host of "The Duran" on YouTube, joins us to discuss Hunter Biden and the strategic partnership between Russia and China. Familiar allegations arise as evidence appears that Hunter Biden tried to use his father's name to get pricey contracts with Alcoa aluminum. Also, Mercouris argues that the Russian and Chinese joint naval drills are a signal that the two military powers are working together at an unprecedented level.Dr. Yolandra Hancock, board-certified pediatrician and obesity medicine specialist, joins us to discuss Covid. There is a considerable conversation going on in the medical community regarding the mixing and matching of coronavirus jabs. The CDC is giving the green light for mixed shots. Also, the White House is unveiling a plan to vaccinate children ages 5-11.Scott Ritter, former UN weapon inspector in Iraq, joins us to discuss China. Scott has penned an article in RT in which he argues that "China has conducted a test of space launch technology that, if adapted for use as a nuclear weapons system, could nullify US defenses against Chinese missile attacks." Scott discusses China's reported test of a hypersonic glide vehicle that circled the globe and struck a target. Robert Fantina, journalist and Palestine activist, joins us to discuss Iran. A Responsible Statecraft article discusses the reasons that negotiations between the Biden administration and Iran have ground to a halt. Trita Parsi's article, flawed though it may be, strikes home when it posits that "a more reliable and stable Plan A is needed that both addresses the unsustainability of an agreement that the United States can exist without penalty and that delinks the revival of the JCPOA from legitimate desires to broaden the deal."Laith Marouf, broadcaster and journalist based in Beirut, joins us to discuss the Middle East. A US base involved in the illegal occupation of the Syrian oil fields was attacked by drones from an unknown source. International security observers expect the US to blame the attack on "Iranian linked" groups, as usual. Also, several Syrian soldiers were killed during a terrorist attack when explosives were placed on a military transport bus. Dr. Linwood Tauheed, associate professor of economics at the University of Missouri- Kansas City, joins us to discuss economics. Private equity firms have been making a fortune while hollowing out the hopes of everyday working-class Americans. Also, Senator Elizabeth Warren is leading a push for Wall Street reform. However, few observers expect a party led by a President with notorious connections to predatory credit card firms to support any major changes to the financial industry. Video journalist Ford Fischer from the News2Share outlet joins us to discuss the media. Fischer joins us to relate his recent experience at a protest against the environmental policies of the Biden administration. Observers found it conspicuous that mainstream media courses ignored the activity, as over 400 were arrested over five days. Nick Davies, peace activist and author of "Blood on Our Hands: The American Invasion of Iraq," joins us to discuss the effect of the neoliberal ideology. Author Nicholas Davies argues that "Americans should likewise demand that our government stop wasting trillions of dollars to militarize the world and destroy countries like Afghanistan and Iraq, and start solving our real problems, here and abroad."
Shares of WeWork closed up more than 13.49 per cent on Thursday after the company went public through a special purpose acquisition, more than two years after its failed IPO. We hear from Peter Eavis of The New York Times, who has been following the ups and downs of the company. Plus, the Austrian city of Vienna is known for its collection of art galleries and museums. But some of the exhibits, it seems, are a little too racy for some social media networks. So the tourism board is posting images on the website OnlyFans, the only social network that permits depictions of nudity. We hear from Norbert Kettner of the Vienna Tourist Board. Susan Schmidt of Aviva Investors, in Chicago, tells us about the day's trading on Wall Street.
Listen to Jim Cramer's personal guide through the confusing jungle of Wall Street investing, navigating through opportunities and pitfalls with one goal in mind - to help you make money.
Integrate Yourself Podcast | Integrated Fitness & Nutrition | Healthy Lifestyle & Personal Growth
The Rise of Plant Medicine in Modern Times is here... From academia to Wall Street, Burning Man to suburban soccer fields, the healing power of nature is spreading across the country. Not everyone can take off for an Ayahuasca journey in the jungle, but everyone can experience sacred medicine through the practice of micro-dosing. The beautiful, buzzy practice of micro-dosing is the daily practice of taking small, sub-perceptual doses of psychedelic medicines to promote healing, growth and transformation.Kayse Gehret - with over two decades in the healing arts - is the engaging, accessible founder of Micro-dosing for Healing. Her program is a nationwide virtual platform combining micro-dosing education and supportive community. The interactive group programs offer a unique, intimate community of individuals drawn to practice with diverse intentions... including physical healing, mental wellness, emotional balance and spiritual connection. Unlike pharmaceutical medications, natural plant medicines help us heal at the root cause and show tremendous potential for the healing of PTSD, trauma, adverse childhood experiences, depression and anxiety. The intention of the program is to introduce individuals to the beautiful practice of micro-dosing plant medicines, inspire a lifelong connection to nature, instill a reverence & respect for the medicines and create the conditions for healing inside a welcoming, supportive container.#microdosing #sacredplantmedicine #IntegrateYourselfPodcast #mushrooms #healingtrauma #plantmedicine #depressionandaxiety #transformation #personalgrowthConnect with Kayse here:https://www.microdosingforhealing.com/workwithkayseAccess show notes here:https://www.pureenergypdx.com/integrate-yourself-podcast/sacred-plant-medicineFour Sigmatic Order your Four Sigmatic medicinal mushrooms here and get 10% off with my code: INTEGRATEYOURSELFBuzzsprout - Let's get your podcast launched! Start for FREEEnlifted Coaching Certification Book a discovery call & mention you heard about Enlifted through Integrate Yourself w/ Allison PeloDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show (https://www.patreon.com/integrateyourself)
Wall Street keeps insisting that real investing will no longer work and that we must adopt their new ideas or perish. Wonder why? Be a bit more cynical.Plus, is it too late to invest aggressively?
In this episode of By Any Means Necessary, hosts Sean Blackmon and Jacquie Luqman are joined by Dr. Margaret Flowers, Co-Founder of Popular Resistance Director of the Health Over Profit for Everyone Campaign to discuss health insurance companies ending out of pocket cost waivers for people treated by COVID-19 in the middle of the pandemic, how this might exacerbate the pandemic as we head into the winter and other rollbacks on public health measures under the Biden administration, and the importance of an organized effort to fight for the interests of people who need medical access instead of believing the lip service of politicians.In the second segment, Sean and Jacquie are joined by John Kiriakou, Sputnik News correspondent to discuss Daniel Hale's absurd incarceration in a maximum security facility despite a suggestion to send him to a low-security prison that would have provided mental health treatment to him, the deeply isolating nature of the facility where Hale will be incarcerated, and the weaponization and inhumanity of solitary confinement, and the bipartisan nature of cracking down on whistleblowers.In the third segment, Sean and Jacquie are joined by Brian Mier, co-editor of Brasil Wire and author of Year of Lead: Washington, Wall Street and the New Imperialism in Brazil to discuss a recent report detailing the severe malpractice and mismanagement of the COVID-19 pandemic by the government of Jair Bolsonaro in Brazil, what political implications this may have on Bolsonaro's support going into the next presidential election, and the killing of Leuvis Manuel Olivero.Later in the show, Sean and Jacquie are joined by Richard Becker, author of “Palestine, Israel and the U.S. Empire” to discuss the anniversary of the assassination of Muammar Gaddafi and the toppling of his government in Libya, why Libya posed a threat to US imperialism and the demonization of Gaddafi in the run up to the war, the history of NATO and its role as the enforcer of imperialism, and hunger strikes in protest of mass incarceration in Palestine.
Google finally reveals exact details on the Pixel 6 and Pixel 6 Pro; Apple unwraps powerful new MacBook Pro models, 3rd generation AirPods and more; Samsung takes the wraps off a Bespoke edition of the Flip3; Bitcoin goes wild thanks to Wall Street.Listeners ask about the iPad Mini "jelly roll" issue, whether to buy AirPods 3rd gen or Pro, if the iPhone X will stop working in December 2021, how to take smooth walking video on a smartphone, adding tablets to an SUV, a recommendation for a good photo scanning app and if the Muama Portable Wireless Router is legit.LinksFollow Rich on Social Media!Google Pixel 6M1 MacBook Pro'sMacBook system reset in MontereyAirPods 3rd genHomePod Mini in colorSiri Apple Music PlanSamsung BespokeBitcoin crazinessRich's favorite smartphone gripCar tablet headrest holderPhoto scanning app from GooglePhoto scanning app from PhotomyneMobile hotspot Rich likesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Question: What does a packet of M&M's and your local veterinarian have in common? Answer: Both are owned by Mars Inc., the global candy monopolist. Since the 1980s, we've seen massive consolidations in industry after industry – from airlines to newspapers, the internet to candy. These monopolists run roughshod over consumers, workers, communities, suppliers, and our nation's commitment to the Common Good. And now the corporate attitude seems to be, “what the Hell, why not let monopolization go to the dogs?” This change has been led by “private equity groups.” They are corporate-takeover sharks that borrow billions of dollars to buy out, plunder, then sell off the remnants of established businesses. They target enterprises that can be grabbed on the cheap but have assets like a loyal customer base. Then the sharks raise prices on those customers while cutting staff and quality of service. This has been happening to thousands of local vet practices and hospitals, which have quietly been plucked by Wall Street entities bearing non-descript acronyms like IVC, JAB, KKR, and VCA. At first locals don't notice the takeover, because the corporate outfit not only buys your friendly “Dr. Barry Bones” vet service, they also buy the Doc's name. As an IVC takeover consultant confided: “People like to take their dog to local vets and not feel like it's a corporate machine.” But increasingly, it is. Solo practitioners who became veterinarians to provide friendly, community-based service now must answer to bean counters at headquarters – and, foremost, they must serve profit over animals. Veterinary Center of America (VCA), for example, is one of the most aggressive monopolizers, controlling access to and prices charged by 1,000+ vet facilities in 43 states. In 2017, VCA was taken over by Mars Inc. One feisty group battling monopolizers is the National Veterinary Professionals Union – Get info at natvpu.org.
Tony is trading a new underlying for the first time. Tune in for his Batman setup in KWEB.
Listen in this week as Michael Farr brings you another panel of experts and insiders to talk Wall Street, Washington, and The World. First up is Jim Lebenthal who says the equity markets are easing into another leg up -- but while he's optimistic, he reminds us that normal markets always face risk. Political analyst Dan Mahaffee discusses developments in China that have passed under the radar, and gives his insight into the continuing negotiations on Biden's social spending agenda. He says a deal is in the making. Michael is joined by special guest Lester Munson, whose insight into the intersection of diplomacy and politics has made him a Farr Cast fan favorite. Les gives an honest assessment of the stumbles, and strengths, of the Biden Administration's foreign policy, and the important issues they face next.
This is the first episode in our "Relaunchers in Senior Roles" mini-series. Lori Taylor is head of America's corporate lending and derivatives in Credit Risk at Goldman Sachs. She relaunched her Wall Street career by participating in Goldman's Returnship program in 2015, which she joined shortly after attending our iRelaunch Return to Work Conference in the Fall of 2014. Lori advanced from her Goldman Returnship to a Managing Director role in less than five years. Hear about Lori's experience at the Return to Work conference, the subsequent events that led to her getting hired for the Returnship program, her time during the program, and her career progression since then. Lori also discusses the valuable support she received throughout from her Goldman colleagues, family and friends -- including her best friend's perspective-setting advice that helped her make her return to work decision. https://www.goldmansachs.com/careers/professionals/returnship/
The Great Resignation is upon us! Are you one of the millions of Americans who recently quit your job because one or more factors just made continuing totally untenable? Whether you answer yes or no, there's never been a more exciting time to get your financial affairs in order! Shout out to all the independent ladies who got their financial lives squared away when this was originally released, and shout out to all the new Earbuds who will joining that club now. Keep an eye out for new episodes of Hannahlyze This! publishing on Sunday mornings.
In this session, Victor shares how his life has changed since starting training at Fidelity in their asset management division. We learn about his upcoming SIE, Series 7 and Series 66 exams, but one major piece of news looms large and may change everything.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this session, Victor shares how his life has changed since starting training at Fidelity in their asset management division. We learn about his upcoming SIE, Series 7 and Series 66 exams, but one major piece of news looms large and may change everything.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
After years of living like a CF in the Coast Guard, Jared landed on Wall Street—a radically different world with a radically different way of thinking about money. Want more tools for a richer life? It's no mystery how people get money. Don't leave it on the table: https://www.jareddillianmoney.com/go/JD000I0046/LIB Work. Save. Invest. Get started here: https://www.jareddillianmoney.com/go/JD012J0041/LIB Want to hear more from Jared? Sign up for his weekly newsletter here: https://www.jareddillianmoney.com/go/JD000I0002/LIB. Learn more about Wall Street iconoclast Jared Dillian and his 20+ years in the financial industry by clicking here: https://www.jareddillianmoney.com/about-jared-dillian Follow Jared Dillian on social media: Twitter: https://twitter.com/dailydirtnap Facebook: https://www.facebook.com/thejareddillianshow YouTube: https://www.youtube.com/c/TheJaredDillianShow LinkedIn: https://www.linkedin.com/company/the-jared-dillian-show/ Have questions? Email us at support@jareddillianmoney.com.
This episode was produced remotely using the ListenDeck standardized audio production system. If you're looking to upgrade or jumpstart your podcast production please visit www.listendeck.com. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify, Amazon and iHeartRadio. In this episode the host John Siracusa chats remotely with Dan Snyder, Co-founder & CEO of Lower. Lower is a full-stack lender, as well as a platform for buying, selling, refinancing, and insuring homes. Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify, Amazon and iHeartRadio to hear next Tuesdays episode with Pieter de Villiers from Clickatell. About the host: John, is the host of the ‘Bank On It' podcast recorded onsite in Wall Street at OpenFin and the founder of the remotely recorded, studio quality standardized podcast production system ListenDeck. Follow John on LinkedIn, Twitter, Medium
Today Richard Fetyko joins us to discuss how you can scan, analyze, and trade altcoins on Alfins. Richard is the founder and the CEO of altFINS. Previously, he worked 14 years on Wall Street in Equity Research at several investment banks such as Janney Montgomery Scott, ABR investment strategy. His research focused on Internet tech and media sectors and among his clients were asset managers in the U.S. He intends to bring his financial, analytical and trading experience into the crypto asset market. Project altFINS began out of frustration with a lack of high-quality tools to find trading ideas, create alerts, execute trading strategies, and monitor portfolio performance across exchanges. Richard decided to change it and started the project altFINS, the platform that enables coin screening and analysis using traditional technical analysis as well as alternative on-chain data, and trade execution across exchanges. The combination of trade idea discovery and trade execution is truly unique in the crypto trading space. Links Website: https://altfins.com/ (https://altfins.com) Platform: https://platform.altfins.com/ (https://platform.altfins.com) LinkedIn: https://www.linkedin.com/in/richard-fetyko-6765b63/ (https://www.linkedin.com/in/richard-fetyko-6765b63/) *Disclaimer. Richard Carthon is the Founder of Crypto Current. All opinions expressed by members of the Crypto Current Team, Richard or his guest on this podcast are solely their opinions and do not reflect the opinions of Crypto Current. You should not treat any opinion expressed by Richard as a specific inducement to make a particular investment or follow a particular strategy but only as an expression of his opinion. This podcast is for informational purposes only. ~ Put your Bitcoin and Ethereum to work. Earn up to 12% interest back with https://get.tantralabs.io/earn/?utm_source=cryptocurrent&utm_medium=display&utm_campaign=advertising-display-cryptocurrent&utm_content=lp (Tantra Labs). ~ New to crypto? Check out our https://bit.ly/394YKFw (Crypto for Beginners) Step-by-Step Guide to Crypto Investing! ~ Follow us on https://bit.ly/3CPwepn (Youtube), http://bit.ly/2TRIArp (Twitter), http://bit.ly/38yfrqo (Instagram), http://bit.ly/39DhpHi (Facebook), http://bit.ly/38wsXL5 (LinkedIn), & https://bit.ly/3yQ30Es (Tik Tok). ~ Want to make ~$25+ a month for FREE? Sign up to get a FREE https://www.emrit.io/?referral=cryptocurrent (emrit.io Coolspot today)! ~ Want to learn more about cryptocurrency? Check out our https://bit.ly/2CbaYzw (educational videos) today! ~ https://bit.ly/2TF3Gtb (Swan) is the easiest and most affordable way to accumulate Bitcoin with automatic recurring purchases. Start your plan today and get $10 of free Bitcoin dropped into your account. ~ Want access to cool crypto/blockchain projects that you can use immediately? Check out our https://bit.ly/3eZ8J1E (partnerships page)! ~ Looking to attend a cryptocurrency or blockchain event? Check out our https://bit.ly/2ZVCV8f (events page)! ~ Tune in on https://bit.ly/2CN9bl1 (Crypto Current TV) throughout the week for a 24/7 crypto stream on the latest action on crypto markets, news, and interviews with the industry's top experts! ~ Enjoying our podcast? Please leave us a 5 star review http://bit.ly/2Is3iJ9 (here)! ~ Stay up to date with the latest news in cryptocurrency by opting-in to our http://bit.ly/2xmkKfQ (newsletter)! You will receive daily emails (M-S) that are personalized and curated content specific to you and your interests, powered by artificial intelligence. ~ We were featured as one of the http://bit.ly/2vRAGGl (Top 25 Cryptocurrency Podcasts) and one of the http://bit.ly/33cnus9 (16 Best Cryptocurrency Podcasts in 2020). ~ Are you an accredited investor looking to invest in...
This episode we are answering all of your questions about insurance. We discuss group universal life insurance and go over the reasons that it is very likely you don't need or want it. We cover long-term care insurance, specifically as it relates to some new laws in Washington State. We also touch on umbrella insurance, and one of our favorite topics here at WCI - whole life insurance. Finally, we go into health insurance and review high deductible health plans and health savings accounts. This podcast is sponsored by Bob Bhayani at https://drdisabilityquotes.com. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time White Coat Investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://drdisabilityquotes.com today by email info@drdisabilityquotes.com or by calling (973) 771-9100 The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com YouTube: https://www.whitecoatinvestor.com/youtube Student Loan Advice: https://studentloanadvice.com Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter
Recorded - 10/17/21On this episode of the Almost Sideways Movie podcast, our three fearless hosts review the latest to come from the minds of Matt Affleck and Matt Damon before we get to our deep dive: a Wall Street thriller celebrating 10 years this year. Here are the highlights:What We've Been WatchingZach's Review: Bergman Island (8:20)Terry's Oscar Anniversary Review: Amelie (11:30)Todd's Review: Halloween Kills (15:50)Featured Review: The Last Duel (22:10)Deep Dive: Margin CallTrivia (43:30)Mt. Rushmore: 24 Hour Movies (1:01:50)Recasting (1:12:30)Highest WAR, Worst Performance, Minor Character (1:39:30)Stickman, Douchebag, Scene Gripes (1:53:50)LVP, MVP, Quote of the Day (2:13:30)Subscribe on Apple Podcasts, Stitcher, Spotify, YouTube, or Pandora!If you can't subscribe, listen here.Find AlmostSideways everywhere!Websitealmostsideways.comFacebookhttps://www.facebook.com/AlmostSidewayscom-130953353614569/AlmostSideways Twitter: @almostsidewaysTerry's Twitter: @almostsideterryZach's Twitter: @pro_zach36Adam's Twitter: @adamsidewaysApple Podcastshttps://podcasts.apple.com/us/podcast/almostsideways-podcast/id1270959022Spotifyhttps://open.spotify.com/show/7oVcx7Y9U2Bj2dhTECzZ4mStitcherhttps://www.stitcher.com/podcast/almost-sideways-movie-podcastYouTubehttps://www.youtube.com/channel/UCfEoLqGyjn9M5Mr8umWiktA/featured?view_as=subscriberPandorahttps://pandora.app.link/hfYGimTce8
As money floods into real estate from giant investment firms, what are the stark consequences of making housing out of reach for many of our fellow Americans? When will America wake up and do something about the explosion of homelessness? Plus- Richard Wolff on the latest turn of the world economy.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
EP278 - Adobe Holiday E-Commerce Forecast with Taylor Schreiner In Episode 277 we covered some of the early overall holiday sales forecasts, and the issues likely to impact this holiday season. In this episdoe we get the very first look at Adobe 2021 Holiday Shopping Forecast. This is a deep dive on digital shopping behaviors based on Adobe Analytics, which analyzes 1 trillion visits to retail sites and over 100 million SKUs. We break it all down with Taylor Schreiner, Director of Adobe Digital Insights. Episode 278 of the Jason & Scot show was recorded on Thursday. October 14th, 2021. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:24] Welcome to the Jason and Scot show this episode is being recorded on Thursday October 14 2021 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-hosts Scot Wingo. Scot: [0:38] Hey Jason and welcome back Jason Scott show listeners we are smack in the middle of October and for all of our retail listeners you know what that means it is go time for Holiday 21 way back in episode 277 last week we talked about the supply chain challenges I like to call that Supply pain and we shared the e-commerce retail forecast from Salesforce Deloitte and beIN but there was one notable missing forecast from that list and that's one of our favorites the Adobe forecast well in this episode we're going to fix that hole in the universe we're going to fill it and Adobe is releasing their holiday forecast here on the 20th which is when we'll be releasing this podcast and we are really excited to have with us today Taylor Schreiner he is the director of Adobe Digital insights and fun fact this is adobe's fifth time on the show Welcome Back Taylor. Taylor: [1:34] Thanks God do we get a free sandwich. Scot: [1:37] Sure if we were there together we would have a sandwich but we'll we'll do a virtual high five instead how about that. Jason: [1:44] Just to warn you Scott's character is like grilled into the sandwich so some people find that. Taylor: [1:49] Oh no I'll close my eyes this could thank you Scott thank you Jason it's great to be here we'd love talking to you guys and we love listening to you guys so it's a fun conversation to have. Jason: [2:03] We are thrilled to have you Taylor and I do want to Dive Right In to your methodology and then your data but before we do real briefly remind. Um the audience what your role is at at Adobe to sort of frame frame where your perspective is coming from. Taylor: [2:20] Sure so I run a group called Adobe Digital insights it's got mentioned and we are charged with, using aggregated and anonymized adopted in data to. Help the industry retail and other Industries as well understand the major trends that we see in the data that comes through Adobe analytics or adobe Commerce or any of the other. I could get it to Commerce and experience cloud services that we have. So so our job is to tell stories to make it take all that huge area did it and tell stories that help people understand their world. Jason: [2:59] That's awesome and so there's a bunch of different components of the the Adobe marketing cloud in the do Adobe Commerce Cloud but. Sort of Marque things Adobe analytics which a long time ago too many of us that are super old was Adobe was omniture, is a is a key component of the analytics suite and Magento is a key component of the marketing cloud and so you you get to see, an awful lot of, Commerce transactions across the web via those two products and the rest of the the Adobe stack and you get to use that anonymized data to sort of formulate this holiday forecasting this case is do I have that right. Taylor: [3:41] Absolutely and I really appreciate you calling me super old. Jason: [3:44] I didn't say you called it I'm not sure I said I. Taylor: [3:47] I remember I remember the under two days I do but yes. Jason: [3:50] I'm pretty sure there's like the URL for the analytics dashboard still says all mature. Taylor: [3:54] I think sometimes it does yeah now it's absolutely right face. Jason: [3:58] And then one important distinction some of the. Holiday forecast that Scott mentioned in the intro are actually overall retail forecast and one of the things that that is unique your forecast is slightly more focused you're focused on digital Commerce do I have that right. Taylor: [4:16] That's right we have we focused exclusively on digital Commerce and we're looking what makes us unique is that we are looking across, over a trillion interactions with retailers across thousands of retailers across over a hundred million skus with a boatload of AI behind that sort of categorizing and understanding it but you know the core of it I think for your listeners is weird. The where the group is actually looking at what people are buying in what quantity and what they're actually paying for it. It's ridiculous prices we're not doing surveys were actually looking at the the behaviors that we can observe a huge scale and using that to do both the reporting in this case are forecasting of the holiday season. Jason: [4:56] Yeah and that's super exciting to me because that I frequently rail against the value of stated preference surveys in our industry and and what we're talking about today is observed preferences lies actual data and consumer behavior that you're watching. Taylor: [5:11] Absolutely and it's gonna be fascinating. Jason: [5:13] Yeah so just two other minor precursors and we'll jump in because there is so much variability out there when you say holiday what date range are you talking about. Taylor: [5:22] Good point right now we're talking about the first of November till the end of the year although arguably make it into it you know some of the stuff is starting to creep into October 2 but when we talk about numbers were talking about November 1 to December 31. Jason: [5:34] Perfect we'll come back to that but yeah I think I think the the shoulders of that season are going to be more interesting than ever and then when you say, retail. Like approximately like what is in retail to you I could go US Department of Commerce restaurants and gas stations are in there like do you guys have a standard definition of retail just to kind of frame what we're talking about. Taylor: [5:56] We generally look at a thing where the transaction the Fulfillment are fully executed online we exclude from this things like travel which is a different industry or anything where it's simply a payment system online but you know any Commerce where you're doing your shopping, your your payment and your fulfillment online generally falls into into our space so not restaurants are delivery services but but the goods that you would normally associate with with retail shopping outside of that. Jason: [6:27] Awesome and so digital grocery than would be in there. Taylor: [6:29] Yes he's a digital grocery appliances apparel all that kind of thing. Jason: [6:34] Perfect okay well I think that's enough Preamble and we've done enough teasing what's what's the Top Line are we all going to get our bonuses this year or is it going to be bleak. Taylor: [6:43] It's your our data showing a good year or days showing a year where the story is really consumers want to shop consumers wanted to go buy online but it's going to be really different year for retailers and for consumers because of the supply pain that Scott was referring to earlier they're going to see a lot more out of stock they're going to see a lot, you know a lot higher prices frankly and that's I think it'll hold us back from having a incredible year. Now just keep in mind I'm talking about a 207 billion dollar, season which you know we don't have a great aggregate retail forecast that we based off right now but that's roughly $1 and for of all of all retailgeek. As far as we can see maybe a little more than that. And it's 10 percent up from last year which you know in the long run of historical growth rates is a little bit low but we're getting off of a 33% jump the year before so if you kind of look all the way back to 2019 we're still. Accelerated from where you would have expected us to be if you've been projecting from a prepaid nemec stance so it kind of depends on where you're looking at it from. But however you look at it it's going to be a big year. Jason: [7:58] Got it so in my mind I sort of think of it traditionally year of e-commerce growth for Holiday being kind of like pre-pandemic. We were kind of running in this like 10 to 15% a year sort of range, um and all of retail would be growing at like four percent a year so then last year the pandemic forces everyone online we have this monster year 33 percent and then this year you're looking for you're looking at 10% on top of last year's monster year. Taylor: [8:27] That's right that's right still going to grow it's still good grow significantly it's still good grow you know maybe as you stay at the kind of lower bound of what we used to see but it's a real real growth rate now they'll be some differences in what grows and how it grows you can get into that but it's going to be a good year. Jason: [8:44] And one of the thing that's always funny to me is I guarantee you when the the sort of superficial press get ahold of your forecast they're all going to write the story about how e-commerce has is slowing way down. Taylor: [8:58] Right yeah nobody wants to talk about two year growth rate or you know try and digest everything that's happened over over the course of the pandemic and fine and but I know, when you step back even a little bit e-commerce has transformed over the past 20 24 months I think the bigger story is people are shopping for their groceries people are shopping for their Furniture you know folks out here in Berkeley or buying compost online, the way that people engage with e-commerce has radically transformed over the course of the pandemic and that's here to stay and that's this the basis of that growth and that you know that's the part that really has accelerated over the course of cobit so if you want to look at a particular growth rate and say it's slowing down, fair enough, but I don't think for instance you know I want to make predictions in 223 but I don't think this 10 percent growth rate in 22 is telling you that 23 is going to be slow I think it's more of a balancing act between. 2020 and 2021. Jason: [9:58] And again like this still means e-commerce is almost certainly growing faster than brick and mortar. Filming the whole industry is still growing in a very disruptive year I do want to like maybe double-click on covid just for a second because this was the big open question when we were all living through, the first half of the pandemic was sure. Everybody's turning to e-commerce people don't want to go to the stores there's health and safety issues they're all they're all these open things so not surprising that it drove more people online a big question at that time was. Is this just an acceleration of a trend and this is going to be the new normal or will those people all be desperate to go back to the store and resume and back to the mall and kind of resume their pre-pandemic. Shopping behaviors and. My read of your data says no no we're locking in all those changes that happened last year and then we're we're growing at a pretty healthy clip from there is that a fair way to be thinking about it or am I wrong headed as got usually points out. Taylor: [11:02] No in this particular case you happen to be right the that's absolutely true if you look at the aggregate growth I think it tells exactly that story that it, it is we're banking all the gains that you got through covid and there were growing on top of that, I think another stat I think really tells the story is our buy online pick up curbside. Data which you know followed that trajectory you talked about Jason, getting up there as we got into the pandemic and retailers adjusted we have a we have a set of retailers we look at the median portion of their online purchase online orders that are fulfilled curbside and that ramped right up last year with all of its fulfillment challenges ranked right up right before Christmas you about 25% we thought that's a that's a high peak right we got into April of this year and it gone right back up to 25% people are still going and pick you up curbside that's a habit that they're in their shopping online and fulfilling next to the store and we expect that to hit a whole new record frankly as we go into this year so it's a it's a habit that people have gotten into and they're not letting go of. Jason: [12:10] Wow and if this is from memory but I want to say last year you guys said that well well e-commerce grew at 33% the dopest segments are the curbside pickup segment grew way faster than that it was like a hundred and ninety-five percent. Taylor: [12:25] Yeah I don't have enough time I have like it's something like that it was it was significant and this year's going to be. Going to be crazy and you know anecdotally you know there are a number of stores where I think hey I really like this I'm not going to set foot in number of those I'll shop with them but I'm against it putting them again for a while if I don't have to this is great for me. Jason: [12:47] Yeah you know it's maybe only partly analogous but I talked to a lot of Quick Serve restaurants. And you know they have the same thing right they sold they sold meals but it was all off Prem consumption and you know the restaurants that have the biggest intrinsic Advantage were ones with drug through. And I've talked to an awful lot of restaurant tours that are like if I could wave a magic wand and make my dining room go away and have a more robust drive through. I would do it because that's the customer that that appears to be the long-term customer preference. Taylor: [13:19] Yeah I think and I think a lot of retailers who have got good real estate or obviously having to rethink how much of this is a you know distribution center and how much of this is a shopping experience and you know it's gonna be different than it was two years ago for sure. Jason: [13:34] And then I guess the one other sort of observational thing I've noted is. Yeah so you know our store is going to get people to walk back in the store to pick up those digital orders are they going to continue to pick them up at curbside and you know one who knows but one clue. Um is pre-pandemic Walmart had these in storage lockers these robotic lockers this cool Tower and all their stores. Um and they d installed all of those towers and they're now doing a national remodel with a much more robust, curbside picking lot parking lot right so it seems very clear and Walmart's case that they're saying hey the. You know this isn't just a reaction of the pandemic this is a you know a permanent infrastructure change we're making two. To make to eliminate in-store pickup and make curbside pickup more. Taylor: [14:24] I think that's right I think that is likely the trend I think you know it there's a lot. A lot of the hassle of of shopping that you're removing with shopping online and pick you up at the store is, is that last not mile I mean the last you know a hundred feet hundred yards of going in there and getting in the inline or whatever if you can just sit with your app and check your email with some well so they put stuff in the trunk that's a lot of a lot of value add there so I would expect that to be continue to be the trend. Scot: [14:52] Bullets as I introduced I'm kind of keenly aware or following the supply chain stuff and I noticed in the front of your presentation one of the bullets is unprecedented out of stock levels if you guys can you share like you know what you think that's going to be and is there any way to put a number on that like you're numb your forecast would have been you know twice as big if it wasn't for this or you just guys are just flagging it as this adds risk to the holiday. Taylor: [15:21] It's a fair question something we think a lot about I mean it's really hard to characterize and we probably just need more more. Time with the with the day I met don't make time to think about it but time series data to really understand how out of stock. Alters people shopping behaviors whether they abandon or whether they take some to which they redirect themselves. I will tell you is that you're going into if you look at sort of 2019 isn't as the normal it was growing when people were getting more out of stock items more of stock hits over time maybe you know creeping up toward fifty or a hundred percent more even over the course of the year and the pandemic hits and people are five times more likely basically four and a half to five times more likely to get an out of stock message and that's today that's not necessarily going to Holiday where things could get more challenging. So that could go up where we see it often isn't most often is in apparel so again you know I think it's going to affect different categories differently out of socks in the Peril can be if you're looking for a particular stereo pair of sneakers or particular you know this is the 20th so what made you I was buying for my wife but something you know a vest or something right that is her birthday is on the 23rd so I want to tell her what's what I was shopping for, anyway the you know you might not get that. Scot: [16:46] Is your wife a listener. Taylor: [16:48] I really doubt it. But yeah you might get redirected to something else whereas in electronics for instance we see you know a lot of chips shortages but. But price is a bigger factor in some of that marketing and decision making and so you're able to see apparel prices creep up a little bit but a lot about a stock you see for instance Electronics prices creep up a lot from what we would have expected but that that has reduced the out-of-stock challenges that they faced. Scot: [17:24] So so it's hard to put a quantity quantify on at this point maybe you think after the holiday you guys will be able to. Taylor: [17:31] I think it'll be easy yeah I mean you know we have a clear estimate of what things might have looked like before I think after the holiday talk to us in January we can we will have a better sense of how this played out this holiday season one of the challenges that I think is out there is it's not clear yet how much out of stock consumers are really going to see this season, based on you know when retailers are running promotions how they're stocking us those promotions how they're managing their their portfolio of goods so. We'll have to see but it's something that yeah had Beyond in January we'll talk about. Scot: [18:09] Okay it's going to be more of a chess game because the retailer they have the only information about what they have and what they can expect and then matching that to the promotional calendar this year is going to be interesting and playing a little game of chicken with the consumer to because consumers should be reading about this a lot so it's going to be fascinating to watch watch how that plays out. Taylor: [18:29] Yeah I've been recommending to Consumers frankly to make two lists, say look you got one list of things where I know I want this for the holidays and you got to buy it early because you might worry about your your out-of-stock situation and then another set of goods were you think hey you know if this doesn't come through or if I don't get specifically the version of this that I want yeah if I don't get this TV but I get a different brand TV I'm okay and then those things you can really shop for on the big major sailed is but it's you know. It's going to be it's a lot of a lot of work for the retailers to figure out how this game is going to play out and frankly it's gonna be a lot of work for consumers to figure out how they're going to address it. Jason: [19:10] I guess one of the ways I think about this it's important to remember that out of stock does not automatically mean wah sales like a lot of times there's a. Customers first choice but the they'll make on the Fly substitutions are switches when they discover some things out of stock so we still capture that. That's a land it seems like all like you know all the people forecasting retail sales for this holiday are pretty robust numbers you're coming in with a pretty robust number, everyone saying we're not going to find, consumers first choice of goods so the sort of logical conclusion here is the consumers in a spending mood when I go to the store to get baby grow goo for Scott for Christmas and it's out. Um Scott's going to have to settle for some cool dune toy that I find. Taylor: [19:58] Hey didn't really cool the The Arc right and I think maybe the way to answer Scott's question directly is you know. In the face of this rapidly increasing out of stock, we're seeing at least you know up to the 5x of what we saw in 2018 we have still seen really impressive growth this year especially we're 2019 so so far whatever headwind it is is not. Super significant now I think you know the experiment that will be able to look at is if this starts to spike as we go into the holiday season if retailers have a hard time matching their inventory with with consumer demand then that might have a bigger impact in the they'll be saying we can look at more closely. Jason: [20:42] So you alluded to some of the categories and I have a feeling that. Um that both out of stocks and the impact of out of stocks could play out very differently in different categories right like if someone goes to the grocery store and we're out there out of your preferred brand of toilet paper. You're probably going to switch to another toilet paper but if there's a particular luxury fashion item or a particular toy that little Johnny is asking for for Christmas. Um you might be more inclined to hunt her harder for that product or defer that purchase and get it later or something like that right is does that make sense. Taylor: [21:16] Absolutely yeah and you know grocery out of stocks are not not at all infrequent with your particular Goods at a particular moment and then apparel is something I don't know about the rest of you but I've gotten. Pretty acclimated to the notion that I'm not necessarily going to be able to find the size and the color I'm looking for on the first try that it's quite quite possible I have to hunt around but you know there's a lot there a lot of style choices that go into that whereas I think you know if you're looking for a you know something specific as you say you know for particular. Particular toy your gift you might have to hunt them different retailers to go find it but you might be willing to do that exactly well. Jason: [21:58] So when you roll it out all that up are there any categories in your mind and end up being clear winners or losers for holiday. Taylor: [22:06] Well you know I think the it's it's a good question the the. [22:17] Clearly where we've seen growth is where we've seen the clearest growth in the holiday and in e-commerce in general has been in the things that are not holiday specifics of groceries apparel those kinds of things have really grown and we continue to see them grow so in some sense they are the Commerce winners because they've really absorbed the, I think what's going to be very successful early on are going to be these deals that get spread out around electronics and other gifts in an apparel we expect to see those went out very well I've got my eye though on non physical Goods things like downloadable games and things like that that happen the mic pop up toward the Christmas season is people who are looking to deliver something that is great experience especially for kids that isn't going to be constrained by shipping challenges and then. [23:18] I don't know where to put my bets this year because I've got my eye both on the demand that I see in a lot of things like gaming consoles that are looking great but also on you know there's a big question mark over over Supply challenges and how that will play out for them so I would be cautious in spread my bets but but electron you know the traditional gift areas are going to do really well and apparel seems to be continuing to take off very strongly in what we've seen so far. Jason: [23:48] So you the non-physical thing is super interesting ordinarily and holiday like as you get closer to the end of the year and you kind of hit shipping cut-offs and last year we talked about a lot about ship again I didn't, and you know bottleneck sit ups and FedEx and all of that you know retailers pivot to trying to sell. Intangible products pretty hard right and most notably gift cards so I imagine that with the the inventory situations this year that that's going to be more prominent than ever that you know if you can't find the, the toy you really want you know it might be an IOU you're getting, it holiday in the hopes of getting it in January or February but there is a new kind of intangible that kind of didn't exist last year and is having a little bit of moment and I have a feeling Scott's way more into it than I am but why. Does all do all of these out of stocks kind of play into the the the. In Ft kind of hate this year do you think that we could start to see some of them on the holiday wish list. Taylor: [24:52] I think I think in a few still have a ways to bleed into you know consumer experiences and consumer expectations that I see a lot of reading and not a lot of a lot of buying but if people can figure out how if retailers can figure out how to make. You're kind of cross that Chasm and figure out how to make it a real consumer experience and yeah I think there's a lot of opportunity there for that and you know and speaking of things that are not necessarily tangible and expire or unique you know we don't forecast travel into our into our data but we do look at travel and right now you know prices for. Plane tickets are about 13 percent less than they were on average in 2019 so you know depending on how. Vaccinations and mask mandates and travel restrictions all play out there may be a push if knock wood covid gets better for more experiential, experience driven options for people to give as gifts to. Scot: [25:49] One of the things that I've been really intrigued by and this is because some of the companies have gone public but this buy now pay later and I saw you called it out and I've seen a lot of the Wall Street analyst as a for my generation I look at it I'm kind of like, you know why don't I just put that on the credit card what's interesting is I've seen this whole generational thing where Millennials and gen Z years they're looking at it as they associate the credit around the item they don't like kind of having open credit and they want it to be around a specific item what what are you guys seeing as it relates to the be npl. Taylor: [26:25] We love new acronyms right be in PL no I have exactly the same experience you just got where I think exactly what you do this but we had two sources on this one is we looked at the actual data that we see flowing through our systems and we saw skyrocketing last year of buy now pay later Behavior we saw about 44 percent growth over the course of the year, weeks that slowed a little bit in percentage terms as we went through this year but you know as we get back into the holiday season I have every reason to expect that to re-accelerate, and you saw quite the distribution two of you know sources of this is some retailers got into this business a lot of financial institutions got certain play in this area so there's a lot more more options we saw those we saw the minimums for buy now pay later come down from those institutions and simultaneously we actually saw consumers spend more or put put bigger purchases on buy now pay later, and when we surveyed about it we, we saw what you were alluding to Scott this is a generational difference in the way that people manage and even think about what credit really is and was striking to me is that the top, category that folks told us that they were interested in using buy now pay later for was was clothing that they were making those kind of purchases and and Spring Meadow over time because they were, lumpy in their year and then they were spreading it out across their income without affecting their credit. [27:52] Electronics was obviously on that that set to you going to buy your television as televisions get bigger and more expensive or cheaper but bigger but what was the. [28:02] Third category that I thought was fascinating was groceries. And not again we dug under that that wasn't just people it wasn't generally people saying look I've got a week's worth of groceries and I spread the payments out over four weeks that's hard to make sense of but but more you know I'm throwing a party or having an event and I have a spike in my grocery budget no one at this I want to smooth it so it is a and then they were everyone was managing it sort of separately from this notion of having a lump of credit card debt they had a managed versus a purchase they had to think out and pay off those are two really different categories so it is it's a really different way of thinking about credit that's manifesting in buy now pay later and it seems to continue to be growing at a significant rate. Scot: [28:49] Yeah do you think. The pitch that a lot of these so that the two big companies are there's three there's a firm karna and after by and I'm sure there's more egg even like shopify's coming out with their own and what not, their pitch to retailers is it bumps up your cart size right do you think, is this going to be a factor this holiday in our is it going to bump up the ASP you think there are still too small to be a meaningful consideration. Taylor: [29:17] You know when we when you average across the enormous event that is the holiday season I don't think we're going to see average order value is our average basket, values go up significantly more noticeably are or more to the point me off trend of what we've seen in the past that said, you know I think. If these retailers are thinking about their customer base has more granularly and they're thinking well I've got a group of folks who I can actually juice where I can do sup there their basket sizes and their purchases by offering that I think that probably is true and, you know as with these kind of generational shifts it may make a difference in the longer term as you change consumer buying habits it may open up a door for that generation is incomes increase and time goes by so I think probably more of a long-term play when it comes to aggregate average order values but for specific audiences for specific customer bases I think it did make a difference. Jason: [30:18] Yeah it's going to be interesting you know there's a payment method that historically has been really popular holiday that you know. Rich people that listen to e-commerce podcast don't tend to think about but it's layaway. And I like one of the interesting Trends you know Walmart which does a very robust delay way business retired their layaway this year in favor of a buy now pay later service. Taylor: [30:44] Yeah I remember the I remember the Layla way shelves. Toys R Us when I was a kid and just sitting them seeing all these items sit there waiting for people to pay for them but if you can get the same effect. And both for the consumer on their credit and for the retailer in terms of getting paid then it's certainly more enticing for the customer to actually get the item rather than wait for it. Jason: [31:10] I know for sure I do like to sad things there was kind of a fun tradition because of away away some very kind people would often go into a retail store. And pay everyone's layaway. And it was kind of this like secret Santa thing and you know it would happen every year there would be lots of these cool stories so I worry we're going to miss out on that which you know probably isn't. Isn't hugely meaningful but it said to me but the other thing that worries me a little bit about holiday I do think like based on your growth forecast like this is going to be a bunch of consumers first experience with these buy now pay later services, and I would still say there's a lot of consumer confusion because like I look at the landscape of these services. And the spectrum is very broad there are you know some kind of thinly veiled payday loan operators that are you know charging like huge interest and late fees and all these things on one end and then there's there's some like. Really generous programs that are very popular in here that don't charge interest in don't have late fees and you know is sort of a. Very low cost and so it. I'm not sure consumers are going to be Savvy enough to differentiate all of those for this holiday I know Target in particular is offering two different buy now pay later options and. Consumers are going to have to learn how to shop for those vendors now. Taylor: [32:35] I think that's absolutely right Jason it's very hard you know it's sort of an unstructured product that can have a lot of different attributes and it's not like a credit card where you we serve reduced it to something like credit limit and interest rate right with some with some bells and whistles and it's also not, it's not even something that consumers know how to frame necessarily like I certainly didn't when I got into the space what is this what are these payments mean what is the penalty if I miss the payment you know what are my other options how are we going to communicate how you get paid what information do you need has if at my credit score it's a lot to think about and it's going to you know thinking has a lot of costs especially when consumers are shopping this quickly so you know I think we'll have a reckoning Reckoning but a moment to pause and. Reflect on how this all evolved we get to the holiday season it will see some things shake out I would imagine. Jason: [33:31] Next well let's pivot to something near and dear to my heart the we alluded to up top the shape of holiday so there's two. Parts of this that are super interesting to me, ordinarily when we talk about holiday we're laser focused on these five days at the end of November the turkey fiber that I think you guys caught the Cyber five. Taylor: [33:53] Yeah they're my wake up at 3 a.m. 5 so I have I hold them in a different regard but they are. You know the story that you know when we would talk to you guys before for the pandemic would always be you know hey this the the season is growing but these big days are growing faster retailers are concentrated you're competing and concentrating their deals on those days and we're seeing retail consumers follow suit and they're expecting those deals on those days that really flipped around last year we had a massive growth last year about 30 odd percent 33 percent for the season. [34:27] But the individual days were growing in the low 20s there are growing about 10% slower then the season as a whole and we expect that again this year we expect the season to grow at about 10% expect the big days to grow about five-ish percent. To be clear they're going to break records I mean we're going to have an 11 plus billion dollar a day on Cyber Monday we're gonna you know Black Friday is going to going to inch up close to 10 billion Thanksgiving is going to be you know over five it'll, level that we used to call Young used to be Black Friday of numbers it's going to be massive but both because, retailers are spreading out the deals for supply and fulfillment reasons and because consumers have really shifted what it mean what e-commerce means in other words they've established sort of water level of shopping for things that are not holiday and promotionally driven, those percentages are harder to move than they used to be so yeah it's going to be they're going to be big days they're gonna be huge that last hour before the end of Cyber Monday we're going to see $12,000,000 move through the system in a minute so, every minute so it's going to be big but it's going to be a different pattern especially the thing from the Retailer's perspective than we've seen in the past. Jason: [35:40] Interesting and do you have a feel for like how much it like I think you hit on the 2 reasons for it like one is the lot of large numbers there already huge. Huge numbers and and you know frankly in some cases quite you just can't squeeze more Goods through the. The funnels on those days and then the other one is changing consumer patterns and and just you know more General e-commerce consumption on every other day of the month and all those other things like it, I'm assuming it's a blend of both of those but but is is this year more prominent that people are going to be holiday shopping on other days or you think we've just. Taylor: [36:18] Yeah it's hard it's a hard call I think what's unusual about this year's really the retailer side I mean you could imagine a world where with fewer Supply constraints where retailers are more willing to put big sales on those big days and compete for eyeballs and four dollars so maybe a maybe there's a new normal where that changes but what I don't think is changing is that consumers are now permanently going to be in a state where Ecommerce is more and more available to them where you know be their home. Certainly their phone is is increasingly an easy place to go shopping and so all this concentration on these days is going to make less and less sense to them in terms of shopping behaviors if you go back out you know the origin of these days is really about sitting outside a big box and and can't be out and trying to get deals because you had to go in person but if you don't, if you if you if it's less and less the case that you actually have to go get things then it becomes easier and easier to spread out your purchases over time and if you're always shopping online you're not, you know just sort of the complete opposite of what you know going going to the office for Cyber Monday to go shopping which is what some of us used to do then you know you're much more open to these deals and opportunities that that retailers can offer you throughout the season so that part's not going away. Jason: [37:40] That's a great point so so then let's let's zoom out a little bit you guys are counting holiday is November 1 through December 31st a lot of retailers would, include January in there, holiday season again a lot of you know gift cards and returns and people you know come in with that return and they buy more stuff so January normally is a good month, and then this year the deals. Started in October right like Amazon Started Black Friday deals on October 4th time to get started on October 10th I think. Sort of boosted because of the supply chain concerns retailers are fighting really hard to start holiday shopping in October, and because all the stuff we really want is stuck on a boat off the coast of Long Beach we might not get it until January or February so with all of that supply chain squishiness. Like is there like what you know. Taylor: [38:39] What do we see. Jason: [38:40] Holiday in November and December but is it even a like the rate of growth is even bigger if you were to kind of you know redefine holiday as a October through February. Taylor: [38:51] Yeah I mean the way that shows up in our data is that we see a we so far I've seen a very strong October, we've seen very strong October in terms of overall e-commerce growth not not on par with you know the big holiday months but it's you know we're looking at you know roughly that ten percent year-over-year a little bit more for October so it's a good sign. [39:17] The what we're also seeing though is we're keeping a close eye on prices and as I said we're see we see. Data at the transaction level and it gives us a particularly unique view into into prices and we're going into your September are digital price index which is the of the basket of goods that we see purchased online through retail was up 3.3% over last year less than the CPI was up last month but still really significantly and for context up until the pandemic we had never seen digital inflation it always be always in prices going down on part about 5% order of about five percent so people are going into this season with higher prices there will be some discounts but we in October but I don't think they're going to make a dent in that inflation yet. And frankly from what we've seen historically over the other holidays of this year we expect to go in with higher prices for goods in general and we expect discounts to be, significant but a little bit shallower than they were at their last year their deepest point so consumers may be paying significantly more, this year on a Black Friday for a particular item than they were they would have been last year on that same date when you add all that up. Scot: [40:35] Nursing the so I know we're up against time so a little lightning around here it wouldn't be a Jason and Scot show if we didn't talk about Amazon any any tea leaves on Amazon. Taylor: [40:47] So we are we assiduously avoid commenting on particular retailers for a number of reasons but everybody's going to have a big year I would imagine this year. Scot: [40:56] My theory is if the supply chain matters Amazon Amazon Walmart and maybe Target are so dialed in on that but it was some a bit of an advantage and could hurt the small guy this year but we'll see how that plays out. Taylor: [41:11] What do you think the large versus small is a good good framing of that, you know bigger retailers in and out of stock in a world without of stocks have more options to to offer and complete a sale and then small retailers who may see their carts more likely to be abandoned I think that's a significant factor. Jason: [41:31] Okay so then the next lightning one is you talked a little bit about inflation you talked a little bit about like discounting not having to be quite as deep. How does that all washout in terms of profitability I do do retailers make more money on fewer sales this year or does do all these supply chain costs eat it up and, and it's you know thin margins. Taylor: [41:51] Yeah well so I think margin management is going to be a whole different game and retailers of already had to think a lot about that this year that you know the top line is going to be bigger per item so you're going to get more Revenue but I don't see that really being driven by some kind of margin maximization Behavior it seems to be largely driven by increasing increasing costs of goods and so you know I don't see a real Gap step open it up between increasing costs and and increasing Revenue to create a giant chunk of margin there. Scot: [42:28] How about anything on device Trends any news kind of done to be a bit of an old story that you know the smartphone is overtaking the desktop. Taylor: [42:37] There is a little bit of news it's kind of fascinating so we that's that's it if you looked at the share of Revenue that was doing through smartphones from 2014 till even into the pandemic you could have basically drawn a straight line I mean it was a it was a sort of, Early College regression experiment that we've been super easy for First Years to do that's changed a little bit smartphones are still gaining cheer don't get me wrong they're still growing faster than desktop in terms of the revenue is coming through them. Ever so slightly more slowly than than they used to and it may be an indicator that, in America at least we may be headed toward an equilibrium to looks more like a sort of 50/50 World between desktop and phones which is obviously really different than some other parts of the world where that it may be 80/20 or 90/10. [43:33] Right yeah I got two expense that so I can you know make it part of our part of our. Jason: [43:38] If we get our new app tops in time then we're all shopping on our laptops otherwise we're all shopping on our floor. Taylor: [43:42] Exactly. Jason: [43:45] But it wasn't a or we could talk all day I know you're in super high demand this this time of year and and you know quite frankly not in demand at all the rest of the year so I'm sure we'll talk again when. When you're less popular, but this was awesome we really appreciate your time as always if folks want to continue the conversation or have questions you can hit us up on, on the Twitter or the Facebook page, and as always if you got value out of this show we sure would appreciate it if you'd go on to iTunes and give us that five star Christmas review. Taylor: [44:19] That's what I'm going to do Jason. Scot: [44:21] Awesome we push it if that's aren't your gift to us and it's digital so we don't have to worry about Supply pain if I think in past years you guys have set up kind of a cool holiday news Hub is that something you're going to do this year and we're world where will we find them. Taylor: [44:37] It will be there I need to get you the URL we can put the URL in a link to this if you guys are watching this online I will make sure you guys have it before we got there but yes there will it'll be there. Scot: [44:47] All right we really appreciate the time. Taylor: [44:50] Right thank you guys I really appreciate Scott real patient appreciate Jason happy to do this anytime. Jason: [44:56] We appreciate you Taylor and until next time happy commercing!
Today's episode is an interview that I did on the podcast “Next with Novo” hosted by Mike Novogratz. Recorded only a few days after the Gamestop/Reddit event that shook Wall Street, we chatted about where we are as a society right now, focusing on how to make sense of the rapid changes occurring in the different corners of culture. We dive into our hot takes on everything from Crypto to Paris Hilton, trading cards, college, social media regulation, the stock market, and lots more. Enjoy! Let me know what you thought. Enjoy! Let me know what you thought. Tweet Me! @garyvee Text Me! 212-931-5731 My Newsletter: garyvee.com/newsletter Check out my new NFT project: veefriends.com Join the VeeFriends Discord: https://discord.gg/veefriends Checkout my new co-hosted podcast with DraftKing's founder--Matt Kalish on all things sports, business, and alternative investing: https://linktr.ee/propsanddropspod
Our favorite streak in Wall Street history ended as the era of Domino's domination closes. Instacart just made its biggest acquisition ever: It's a shopping cart so smart you'll think it's a Tesla. And Apple's big event revealed that it wants AirPods to replace iPhone as its future #ProfitPuppy. $DPZ $AAPL Got a SnackFact? Tweet it @RobinhoodSnacks @JackKramer @NickOfNewYork Want a shoutout on the pod? Fill out this form: https://forms.gle/KhUAo31xmkSdeynD9 Got a SnackFact for the pod? We got a form for that too: https://docs.google.com/forms/d/e/1FAIpQLSe64VKtvMNDPGSncHDRF07W34cPMDO3N8Y4DpmNP_kweC58tw/viewform Learn more about your ad choices. Visit podcastchoices.com/adchoices
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