Listen to top audio clips on $50

Tech Path Crypto

21:30 min | 7 hrs ago

A highlight from 1275. Ethereum ETF Launches! | VanEck Predicts $11,000 Ethereum

"All right, so let's roll into the ETF futures launch today. It has happened. This is going to be a big episode for you guys. You don't want to miss this one. If you're an Ethereum lover or maybe you're just trying to venture into crypto for the first time and you're finding out, hey, there's an ETF futures out there on this thing. We're going to teach you a little bit about that. My name is Paul Baron. Welcome back in The Tech Path. Let's talk a little bit about Ethereum, some of the projects it could affect, and also its future. That's what we're going to try to break down for you. I think you guys are going to like this. James Seaford, he's been on our show before, one of the ETF experts over at Bloomberg. He tweeted, updated version reflecting the change due to the end of the Kelly and Hashtag's partnership will just be the Kelly ETF's product. And he kind of breaks it down. But the point is, is you've got the ETFs that have launched here with VanEck leading the way right now. Of course, we've got a whole litany of these starting to roll out now. So this is going to get interesting around the ETFs as when it comes to the futures ETF for Ethereum. And we'll show some stuff on this and how this plays out. But very, very interesting. So further over here, here's kind of just the layout of the VanEck. Obviously the cheapest total expense ratio at about 0 .66. So one of the lowest fees out there in being able to get into an ETF for sure. VanEck also is starting to do a little bit of advertising. This is kind of interesting with them actually starting to promote an Ethereum ETF future. This is crazy. So truly, and this is obviously institutional finance, so good stuff out there. I want to play a clip of them talking about this. Let's go to that. Ethereum has emerged as the system for an age where connections are no longer bound by location or space. We're not just using the network. We are the network. So when you're ready, enter the ether. Now you can tap into Ethereum's potential with the VanEck Ethereum strategy ETF, EFUT. All right, there you go. Big, big news because that is mainstream advertising. And when you get into mainstream advertising, it means you're going to be getting into mainstream investing and investing is going to start to shift that. That's why ETH and this ETF is such a big thing. It's why we're seeing a little bit of movement on Ethereum itself. VanEck, of course, their Twitter account says, what sets the EFUT apart? Typical ETF setups don't give futures, good tax benefits. C Corp is set up now designed to have potential for better performance after taxes for people who invest in a long time. So there are some apparent tax benefits here that VanEck, of course, is touting. So if you are in that case, make sure and, you know, investigate it. Let me know what you guys think. Further into this, just to show you where you can get this, now you can invest through your brokerage account in Robinhood, SoFi, Charles Schwab, E -Trade, Fidelity, pretty much anywhere you can buy EFUT. So easy to do and easy to get into. I want to go to this next clip right here that kind of breaks down a little bit further into what VanEck is trying to do with Ethereum as a whole. And this is Mr. VanEck himself What do you see coming in the crypto space that you thought it was important enough to get your firm that was established in the 50s moving towards this new area? Talk about Ethereum and there was CryptoKitties and all the potential of the blockchain. It felt like a lot of talk back then and a lot of PowerPoint presentations. But over the last three years, especially this year, I mean, it's just amazing how many software projects are not only coming to the market, but also upgrading in a very significant extent. And that includes Ethereum. I see three major areas of finance being potentially disrupted. One is the banking and brokerage. The second is payments. And the third is banking and lending. I think the larger point is that Ethereum is the leader and Ethereum is making enhancements, if you will, to its software. And so it's getting better over time. I like the fact that we're starting to see real business people recognize what's happening because this is one of those things that happens in those early curves. And that I think VanEck is obviously all in. But there's many of them that are all in on this. And that's including companies like Fidelity. You look at what ARK and Cathie Wood has been talking about in terms of Ethereum growth. So where is Ethereum going as a whole? Well, here is a report by VanEck talking about Ethereum's price prediction. And this was $11 .8K by 2030. Now, I want you to think about that because Ethereum right now trading around $1 ,700. And look at that kind of growth in a very short period of time. We're talking about 2023, end of right now as we're recording this video. That's an accelerant that's pretty heavy. Let me go through a couple of things they highlighted in the report. So it's revenue rising from an annual rate of $2 .6 billion to $51 billion in 2030. Big move. ETH takes a 70 % market share amongst smart contract protocols, which implies a token price of around $11K by 2030, which we discount to around $5 .3K today. So that's what they think the core value is. And then we value Ethereum by estimating cash flows because they're kind of treating the chain much like a business would be treated in terms of revenue and et cetera. A couple of points here that they look at here in their revenue price targets. You see the base case, bear case, and then the bull case. $11 .8K right there on the base case. $3 .43K on the bear case 2030. And then a $51K bull case. That's $51 ,000 per token right there on the bull case. So a lot in terms of confidence around what this is in terms of Ethereum as a whole. There was a We introduced a novel revenue item called security as a service, which is interesting, which is going to help businesses will be utilizing security through the ETH ecosystem to enhance, obviously, security around businesses themselves. So another big advantage there. Since ETH is a bearer asset, ETH can be locked behind some businesses or protocol guarantees to act honestly. So it's another way for how blockchain is permissionless. And it makes it easier for so much of what we see in Web2 to be completely revamped in Web3, which is what Van Eck was talking about there around blockchain and what Ethereum is doing in the banking space, the investment space, tokenizing a lot of things that we typically have to have these intermediaries to be talking to. Further into this report, we assume that 5%, 20%, and 10 % of the finance, metaverse, media, and tech infrastructure activity will move on chain. And what they're looking at is the base case, bull case kind of scenario that plays into finance, metaverse, and media, which is kind of an interesting mix between those. But media, we've talked about one of the reasons we do what we do. We believe that media is going to be moving on chain in the future. Further into this, let's see, we have one more couple of points here. Yeah, all right. Base case 2030 price target $11 .8 to Dermot valuation today's dollars. And then we find today's discounted price to be around $5 ,300. So not a bad value if you're looking at the overall on this. Let's go over to another clip here. And the other clip I want to get into is Matthew Siegel and kind of how they got to this level. Listen in. We're seeing a base case for 5 % or so of revenue banking is applied in some way to crypto and public blockchain. So that'd be the base. And so we dial it up a notch to 10%. Likewise, we do the same thing with each of the other categories, metaverse infrastructure, the bear case, we pull that down to 1%, 5%, 1 % respectively. And the idea behind that is that we see regulatory climate or adoption curve failing in each of those from the bear, hyper bear scenario. Not only is like the end markets not using blockchain, but Ethereum has a very small market share. Our assumption in the base and in the bull case is there's thousands of interchangeable L2s that don't have any real way to differentiate themselves. And so in that kind of scenario, you can see the cut rate that Ethereum can take of those settlements would be much, much higher or the underlying businesses. In our base case, we assume that Ethereum will take 70 % market share of all open source blockchains. And when we do our models on Solana, like that, our base case is that Solana takes 70%. And then we see what type of upside we get when we put in those assumptions. And we look at owning each of these tokens is basically we're owning a bunch of call options that each protocol will become the dominant protocol, even though it's impossible that they all could do so. And then we manage our position size based on what type of upside we see. Most of our deep dives have been on either layer ones or application specific. We have not done one of these models for L2s. And I think there's just more uncertainty around how that's going to play out. All right. So those were the VanEck analysts breaking this down that were part of that report that we just showed just a minute ago. So both of them kind of indicating that obviously ETH in a very bullish case, also Solana in a very bullish case. So another thing that is happening within VanEck, which is kind of interesting, is this right here. So they announced, let me kind of zoom in on this for you guys, that they intend to donate 10 % of our ETF profits into Protocol Guild for at least 10 years. So Protocol Guild obviously designed to help the ETH ecosystem develop, prosper, build on new Ethereum projects that are really kind of growing the ecosystem. So that is a pretty big statement, but it's also kind of investing in the infrastructure. It's interesting because you didn't really see that happen during the evolution of Silicon Valley, which is kind of where I case what's is we're in that kind of zone. They talked a little bit more about it. I'm not going to buy ETH Futures ETFs, but if I was, I would buy VanEcks mainly because they're doing what they should be doing, and that is supporting the industry and supporting where the growth is going to come from. So that's always benefited. I think the interesting thing there is that the space likes it. Here's Eric Balshunis, and they're off. ETH Futures Derby underway. VanEck is in slight early lead. Although it looks like a few of them are not necessarily out of the gate. We'll post updates as we go. VanEck, of course, leading the way right there and you've got Valkyrie coming in with a little bit of activity as well. VanEck with their low fees and what they're doing as an overall strategy might be the winner here. Remember, they were the first one. So it goes back to first mover. If you look at the current ETH Fut, of course, it's very early trading, but you can kind of see the big boom and then a little bit of a slight down where they are holding right around $16 .91. So interesting stuff. Let's go over to this next clip. This will break down a couple of things, I think, when you really consider what the store of value argument is around Ethereum. Let's just play this next clip. You'll get what I'm saying. So the whole exercise of the store value discussion is a little bit, you know, I really have to put a big caveat in there because what I'm really doing is mind reading. I can't point to a statistic and say, people, there was no poll that says I bought Bitcoin because it's a store of value. Things could be built on top of Bitcoin as well. And maybe they're just saying, oh, no, actually, I think Bitcoin's the best smart contract software. So I'm not a mind reader. So these are kind of generalizations and best guesses based on the narrative. And if you look at the transactions, on -chain Bitcoin transactions are about $400 ,000 a day. And that hasn't changed a lot over the last several years, which I think is interesting. But if you look at Ethereum, the Ethereum transactions, the total amount of transactions on the Ethereum blockchain is in the trillions annually now. That's a big number. Ethereum is the most famous. Solana has performed really well this year. I actually think that will continue next year. That category of digital asset tokens has been the best performing this year. We think that's kind of accessing the blockchain and that's the space that we're most interested as a firm. All right. Well, it's good to know. I mean, because I think they hit on both the tokens that we like, which is Solana and ETH. And if you do look at Bitcoin's transactions that it was mentioning there, and I meant to say Bitcoin transactions, but this is the one year and if you just go out to the three year, there has been a little bit of an uptick here. But I think some of this has been the idea of where all of this is going, because just in the essence of what is happening in crypto in general, it's starting to accelerate in a big way. And what he mentioned there, meaning Van Eck mentioned, is that the explosion has been happening around Ethereum. Of course, if you look at Ethereum's transactions, almost same period of time, you see the kind of movement that we're talking about here all the way back from 2019 right there into 2020, all the way to where we are right now, which is in the depth of a bear market. We are in the depth of a bear market when all this is happening. And when NFTs are dead and all those kind of things that really cause pain in the ETH that's ecosystem, the kind of transaction levels that we're continuing to see. Now, other things that are driving this, there's been a couple of projects that have launched here recently. One, of course, is Pudgy Penguins. We did a full report on this, but Pudgy Penguins ran a live shopping experience on TechTok. And there are some interesting things within this that is going on. And what I want you to think about is just forget that it's Pudgy Penguin, I just want to think about retail in general, because retail in general is going to start to implicate. Now, obviously, a Pudgy Penguins project, they're very native to what's happening in crypto. But the cool thing is, is direct sales, they have some key insights. Let me zoom in on this for you. Direct sales showcase products, increase discoverability, audience engagement, global reach. Any retailer out there, especially direct consumer, etc., would love those kinds of insights coming out of something in terms of a digital campaign. So, big deal. A couple of things that came, they did a pin appeared, allowing viewers to add the featured toy to their cart and then check out directly within the app. Remember, this is the digital version of the NFT. And then Pudgy Penguins received over 33 ,000 likes. TechTok Shop recently launched in the U .S. It was available through parts of Asia and the United Kingdom. And then live shopping is expected to reach around $235 billion in sales this year in China. That's insane. And then Pudgy Penguins obviously is a unique position to leverage TikTok Shop to expand their brand. This will grow globally for them, but I think what you're going to see is more retail and also more projects that understand how to leverage all of this. Remember, this is all riding on Ethereum. So, it plays right into the hands of think of what's happening here. So, it's not all friendly Penguins. Now, we've got the Swiss bank UBS launching tokenized money market fund on ETH. And I think this is just one of those things. They're doing an exploratory initiative, but they are going to go through traditional financial institutions, fintech providers, etc. Further into this, you get Ethereum applications from the New York Stock Exchange to the SEC. All of this riding on Ethereum. This is the point that I talk about often, and that is this whole adoption curve. Many people think it's that slow curve, and then all of a sudden it's just straight up. I don't know if we're there yet, but what I am thinking is that there's so much activity in this space and the timing through this bear market has been so suppressive of some of these digital assets that we could be right there on the cusp of an explosion. Now, obviously, there's a lot of other things that have to happen. Some of the things that could happen to cause that kind of explosion are things like this. Is BlackRock's next to file for a spot ETF? That would be huge. If BlackRock said, we're going to go the Ethereum route as well, absolutely massive for the ETH ecosystem. So, for sure. Now, this was an interesting statement. Ripple effect of grayscale decisions is massive. SEC would have faced similar legal challenges for denying ETH futures and ETFs. By approving ETH futures, ETF, now the SEC is effectively conceding that ETH is not a security. This will no doubt impact the Coinbase and Binance litigation. All of that starts to play into this. You start to get a picture of this global reaction that is going to happen within this ETH ecosystem. And I think this is the kind of thing that starts to put you in a position where you can really start to leverage against these. Now, it's not all beautiful, but this was Dave Levine. He talks about this whole ETF futures thing as a scam. I want to play a clip for you. Listen to what he had to say. Do not be fooled by the news that there is an Ethereum ETF. There is an Ethereum ETF, but it's not buying Ethereum. In other words, Bitcoin went up 35%. It's a pretty big game. But if you bought the fake ETF that is not buying Bitcoin, you only went up 14%. So where did that other, where did 50 % of your gains go? They're lying in the pockets of the bankers. Again, it's supposed to be protecting investors. You know, that's why I call these ETFs a scam and they use the name Bitcoin to say what you're buying and it's not what you're buying and it's guaranteed to underperform. I mean, what is the definition of a scam, right? He is a hired gun to do that stuff, right? And the, and the court ruled on it. They said that the SEC loses on all counts because its case and its, and its, uh, its arguments are capricious and incoherent. And there is this risk that, you know, ETH goes up so much, so fast. The Wall Street bank that is trying to track the price because they don't actually own ETH can't actually track it because whatever they're holding doesn't go up anything close as much. And then they go bankrupt because they can't meet the obligations. Believe me, if some Wall Street bank goes bankrupt because ETH goes up or Bitcoin goes up so much because they were playing games and they got exposed, they're going to blame crypto, not their shenanigans. So the whole thing stinks. Coinbase has a thing, it's called stand with crypto click. It tells you who your Congress person is, gives you a little script. I went off script and gave them an air full. Do it. All right. So he hits on a few things with point with these future ETFs is it happens in all markets. This is, this is just one of many out there that are non crypto related. It's obviously being crypto related. So I would dispel the fact that these are scam. These are yes, they're high fee scenarios. There are other ways to invest in these assets, but people look at this in a different way. Mainly this is mainstream investors wanting to go in on these assets and they're not ready to open an account with Coinbase or other things like that. But he did mention something at the end and that is stand with crypto. Listen, this, if you're not already doing it, you should be doing it. Go out and just hit stand with crypto. You can call your Congressman, email your Congressman and it helps you kind of go through the process of letting people know where you stand on all of the 16 ,000 contacts right now at the Congress. So huge, huge movement here. 150 ,000 crypto advocates. This is going to be a big part of next year because next year we are talking about an election year. So it's going to be huge. So definitely. Now if you are interested in buying ETH directly, you can actually do this in a traditional finance way right through the Fidelity app. So check it out if you're not a Fidelity customer. They're not a sponsor, but we've used it, we've tested it and it's fantastic. So that's another way to go. All right guys, we're going to wrap that one up from here. One thing to remember, and I'll leave you with this, this is Mr. Patrick McHenry hitting it in right there home. And that is SEC Chair Gensler refuses scheduled commission vote to provide Congress with requested documents. They are talking about the first subpoena to the SEC ever. That would be huge in the way of who knows what they'll find. What would we see in the way of bipartisan, you know, enforcement that we've seen the FCC pretty much put at will to go out. This may play its course right now with Patrick McHenry. He's not playing around anymore. We'll see how it all plays out. But you guys know what to do and that is join the diamond circle so you can follow what's playing it out. Not only the legislative side but also taking a look at some of the projects that we break down and of course some of our additional content including our Web3 podcast over there with Kyle. We do a We'll leave a link down below if you guys want to catch me on Twitter. It's out there at Paul Baron. We'll catch you next time right here on Tech Path.

"Welcome to the Crypto Show. Your podcast for everything around crypto, blockchain, bitcoin and more. Here is your host, international blockchain expert, serial entrepreneur and investor, Dr. Julian Hasp. September is over. Are we going to see an October or is it going to be an October where we're going to have some bearish movement? Hey and welcome to today's video. My name is Julian. On my channel, it's all about making you crypto fit. I discuss the beautiful world of decentralization, blockchain, cryptocurrencies, much, much more. I try to put different views on all these topics. Obviously, on the one hand, as the CEO of Cake Group. Obviously, as an entrepreneur, business owner, very different views as a personal investor. Sometimes you want to take a risk off the table, on the table and then obviously from a regulator side as well. I work with a lot of governments and regulators and so different spins to all these various topics. Now, September is over. A lot of people expected September to be bearish and I want to be very fair, that included me. I was way more bearish on September. At the end, it turned out that the candle was slightly green, which was actually the exception. Most of September's are red historically in crypto. Now, why was it relatively bullish? Difficult to kind of say. I think probably two reasons. First, despite the Bitcoin spot ETF getting delayed, there is very strong consensus right now that we may see the Bitcoin spot ETF in January. So, a lot of people sitting there saying, look, this was kind of the plan in the first place. Anyways, everyone had expected it to happen next year. Who cares if it comes right now or in Q1. And I'm not going to sell because of that. So, I think that was the first reason. The second reason is what's happening today. Ethereum futures are starting. Ethereum futures ETF are starting today. So, that should drive some positive sentiment. Yes, I know that historically it has always led to a sell -off. But I don't really see this in this case because we didn't really see much of a run -up. Again, I don't think we're going to see a 50 % pump here and then a 50 % dump or in this case like a 33 % dump to kind of equalize it. But I think we're just going to see some positive sentiment and I think that's the key thing. We have to be clear with if we think that something is bullish or bearish in this kind of market. And then obviously, Saylor bought $150 million worth of Bitcoin in September. We don't know exactly the time span, but kind of in September. And so, yeah, I think that was a very strong kind of support. Now, this is very contrary to the stock market. The stock market got slaughtered in September. It was actually the worst month of the entire year. This is something that I've been talking about on the channel for so long that you have to be careful with stocks, especially after this really strong first half in the year. So this is just something that to kind of keep in mind and this is just something to really watch out for. So no surprises there. To me, the surprise was more that we actually had a very constructive September in crypto, less so that the rest of the market was more on the bearish side. I think surprising also to see how strong oil stocks are doing. I mean, oil is, well, pumping. So yeah, on the one hand, no surprise. And then on the other hand, going up. So that's kind of September. And I mean, that generally weak Q3, which in general, like this has nothing to do with crypto, this is the general markets, generally weak third quarter is over.

Julian January Cake Group Next Year 33 % 50 % First October Second Reason $150 Million Two Reasons Today First Reason Julian Hasp September Q1 Third Quarter Saylor First Half First Place

Stephanie Miller

00:05 min | 5 hrs ago

Fresh update on "$50" discussed on Stephanie Miller

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Real Estate Coaching Radio

14:10 min | 1 d ago

A highlight from Real Estate Market (Crashing)? Price Reduction Scripts & Systems

"Welcome to Real Estate Coaching Radio, starring award -winning real estate coaches and number one international bestselling authors, Tim and Julie Harris. This is the number one daily radio show for realtors looking for a no BS, authentic, real time coaching experience. What's really working in today's market, how to generate more leads, make more money, and have more time for what you love in your life. And now your hosts, Tim and Julie Harris. And we are back. Now we're going to be really drilling down over the next five podcasts on pricing listings to sell, but also getting price reductions. There's a lot of technique to the things we're going to be sharing with you guys. A lot of scripts, a lot of systems. It's very important that you use the notes that are below. Obviously we try to, I think almost always put all of our notes, right Julie? In the show description below. So scroll down, all the notes are there and we're going to be really getting into the weeds with all of you so that frankly you can start pricing your listings to sell. If you have listings now that are overpriced, then you can get them repositioned on the market so they correctly reflect the market's expectations. That was a script. Did you write it down? Snuck that in on them, didn't you? I did. And when your hunting expires, as all of you will be doing, you're also going to be knowing how to get the prices adjusted accordingly so the properties will sell. So this week is very intense, really focused on pricing properties to sell because it is going to become very, very tricky in many markets. Now I'm going to start out with a little bit of, we need to I think have a common understanding of the difference between value and price. And I'm reading your notes and I see what you're about to talk about so I think this will fit in perfectly. It's a good intro. Right. Well, we'll see. Back to you. Yeah, exactly. So I was thinking about this last night, how to explain. So Julie and I, when we socialize with people and go to parties and just talk with all of you guys, just run across everyone. People make the mistake constantly of saying there's some sort of or alluding to or believing that there's some sort of big price or value erosion that's going on. Value erosion, not price erosion. Value versus price. That's where I'm going with all this. Because back in 2007, 8, and 9, there was value erosion. The values of the properties actually dropped below what people paid for them. So there's a difference between pricing and value. So get this clear in your head and then I think it'll give your mind room to be open to the thoughts that we're going to be sharing with you in a second. So if you have, like I'll give you an example, Julie and I had, let's say if we had a car for sale and let's say we put the car for sale for 50 grand and even though the market tells us that the car is worth 30 grand, like every single comp, every single thing that's out there is telling us that car is not worth 50, it's worth 30, right? You guys with me so far? And then we eventually, in order to get the car sold, we have to adjust the price down to 30. Did we lose 20 grand or did we just finally price the house correctly? Do you guys get the difference? And so what a lot of people are believing is because they have to price their properties correctly that the properties have lost value. No, they didn't. They lost value maybe in your head, right? They didn't actually lose value. The difference between, so for example, if we'd bought that car for 30 grand, let's say, and we were selling it for 15 grand, then yeah, we lost 15 grand. That's like what was happening in 2007, 2008, 2009, well, mostly seven and eight. The definition of a short sale, you're selling it for less than you owe. Well short sale, you're selling it for less than you owe, or exactly, assuming you owe like you just said. So yeah, so that's the whole moral of the story here. So please don't think this is anything like the previous market, which I'm teeing you up perfectly. Exactly. As we have said, pricing is the hot topic all week because it's a big hairy topic. We'll take a look at the factors causing price reductions, what to do from a listing agent's perspective, as well as what to do when you're representing a buyer. And we're going to dive into some price reduction scripts and give you the confidence you need to navigate the changing market. So let's first take a look at what's happening to prices right now. And no, by saying that, we are not talking about the market crashing. Just as Tim said, the market is not crashing, it is simply normalizing. So here are the facts, hot off the presses. Nationwide, one in every 15 listings had a price reduction in the past 30 days. That's about six and a half of active list, six and a half percent of active listings in the country. However, some markets have seen 50 % of active listings get a price reduction in the past 30 days. So let's compare those two. Nationwide, it averages out to six and a half percent of actives got a price reduction last month. But there are many markets that it's quite a bit more severe. But so what this is, when you see this kind of statistic, we've seen this before. Julie and I have been doing this for decades. And what this is kind of a, I don't even want to, I don't want to be overly critical, but this is essentially sellers who have unrealistic expectations as far as what their homes are worth. We call it aspirational pricing. And frankly, this is evidence of agents that don't know how to actually properly price properties. In other words, they're just taking the listing at an elevated price. Maybe they don't know how to go about setting the price correctly in the first place, or maybe they don't want to, they don't have the skill set being blunt to get the property priced correctly in the first place. So when you see these kinds of widespread statistics and especially something like 6%, which is a pretty meaningful number, honestly, when you see numbers like that, that is essentially the market still adjusting to the new reality. That's the sellers adjusting to the new reality. And that's also the agents having to learn how to adjust to the new reality. And then, you know, doctor filling their sellers, you know, learning how to write exactly this, this type of information. When you see these types of statistics, this is 100 % proof that the market is still very much adjusting. Now, also taking the time, you know, take when you're considering all this, what time of year it is, what's the, you know, what's interest rates are doing. And so these types of things in a cyclically adjusting market, the numbers will go up and down pretty radically pretty fast. So just adjust accordingly. This information is as of two days ago. That's right. Now, the five metro areas with the highest percentage of listings that got price cuts, this is the percentage of listings that had a price reduction. When I give you these stats, these percentages, that doesn't mean they're coming down by that percent. That's just the percent of overall actives that had to have a price reduction. So that's Wenatchee, Washington State, Idaho Falls, Idaho, Carson City, Nevada, and Austin, Round Rock area, and Waco, Texas. Those were all in the 50 to 54 percent of active listings came down. Again, that doesn't mean they came down by 50 percent. It just means half of the actives had a price reduction. Now she took that sort of sampling because obviously price reductions were happening all over the country, but she was using that to show the fact that it's happening in these completely different unrelated markets. That's right. So unlike before, you know, when the market was super hot for several years, kind of the whole country moved about the same way. We were all going rapidly up in price. We all had multiple offers basically on anything. All it had to do was be available. Well, now we're seeing markets kind of stretch apart, and what's happening in the ones I just rattled off is different than, say, Florida, which still is pretty strong. So you have to know your actual market. Now, this is all happening, all these price reductions are all happening at the same time that prices are still up by at least 3 percent this year and are expected to end up averaging about 5 percent higher by year's end. This figure shows you that we are normalizing, not crashing. A crash would not have price increases. Okay, so that's worth, we really need to drill down on that. So listen to what Julie just said, be very, very clear in your head. There were no price increases, there were no value increases that were happening, it was value basically, that were happening during 2007, 2008, quite the opposite, right? Properties in some markets dropped by, you know, 40 plus percent. That is not what we're experiencing. Year over year, what Julie just explained to all of you guys, is that in many markets prices went up, values of properties went up by at least 5 percent. So despite what the headlines and all the click -baity things on all the news channels and all the rest of it are leading you to believe about real estate, guess what? If you own a home, it went up by probably at least 5 percent this year. Exactly. Okay, now, remember, again, we're proving the point that we are adjusting and normalizing, not crashing. Remember this, at $52 trillion, the total value of homes in the U .S. is up, get this, 49 percent since before the pandemic. That truly is insane. Yes, 49 percent. So these price adjustments won't be catastrophic to most sellers. We're a very long way away from short sales, so don't go thinking the sky is falling. Okay, so again, worth drilling down. Prices are up by almost 50 percent in the last... It's since 2019. Now what you're seeing now with the price adjustments or the price reductions essentially that many markets are now experiencing, remember that you still had 5 percent increase in value in the last 12 months. So you're looking at properties in many markets that have increased by at least 50 percent since 2019? Yeah, since pre -pandemic. Okay, so that is a substantial massive increase. Now, the value of those properties, there's no reason to believe, and it's incredibly important you're really clear in your head about this, that the values of the homes are going to somehow regress back into say 2019 values. And I read that sometimes from people that are, I don't want to come off overly negative, but they really piss me off because they don't use any real factual information. No, they're only using their thought that, well, you know, prices were going really high in and 2006 5, and so then there was a crash, and since prices have gone up, there must be a crash. That's not based on any underlying factors. It's just basically, well, that's what it did before, that's what it's going to do now. It's basically yo -yo thinking about, you know, there's going to be another bubble that's going to burst. There's no reason to believe that's true. The same people who've been predicting that since, again, 2019, they've been wrong year after year after year after year, and they're going to continue to be wrong because nothing is the same as it was back in 2007. Well, that's why we're facting them, right? Okay, so look at the runway, though. Okay, so a 49 % increase since pre -pandemic, and you know, the average, and not every single listing is having a price reduction, but when they do, they're still only coming down by less than 5 % on average, so you've got that remaining, you know, 44 % left to go before you're even Steven with 2019. There's just so much runway there. Now, are there isolated instances where people refinanced, took a bunch of equity out, didn't have a very big down payment in the first place, and maybe are behind on payment, and that makes them even very, very, very randomly, literally less than, I think it's like 3 .5 % of the market of closings were even short sales. So along those lines, again, you'll have this memorized because that is what you do. Possibly. We'll see. No, she will. You watch, listeners. So what percent of all home inventory is distressed? almost It's like 4%, but it's less than 4 % overall. Which is a record low for what period of time? Forever. Yeah. Literally forever. It is a record low since they started recording it, I think back in the 80s. You remember when all the - And actually, it's gone down. It was a previous low, and it's actually gotten lower in the past quarter. Remember when all the naysayers were saying, well, when the COVID - Forbearances. Forbearances. There was going to be a foreclosure wave. There's one thing after another, after another, after another. Okay. So the forbearance naysayers, there's going to be this awful backup of foreclosures due to forbearances. Well, they also said there would be a silver tsunami when all the baby boomers just had to sell their houses all of a sudden. And they also thought there would be an Airbnb bust. And now the new thing is, as soon as somebody has to make their student loan payments, well, that means they're going to miss their mortgage payments from one drama to the next, but not based on facts, which we like to sprinkle upon you. Again, the reason that we're so adamant about you guys getting these facts and the reason that we spend so much time on this podcast and our coaching program to make sure you have the actual information is because if you operate with bad information, you're going to then pass that bad information along to your customers. You're then going to, you know, it always comes down to the same thing. If you don't believe that tomorrow is going to be better than today, you're not going to take the actions today that would have made tomorrow better than today. In other words, if you believe the sky is falling, you're sure as hell not going to do what you don't want to do when you don't want to do at the highest level, you're not going to learn to price properties correctly. You're not going to learn how to get prices, you know, lower prices on homes. Why would you bother after all tomorrow? It's going to be, you know, some sort of, you know, locust apocalypse, so you're never actually going to make tomorrow better than today. So that's really the reason that you want to purge from your mind all of these naysayers, all of these snake oil salesmen that are trying to sell you into the belief that there's any sort of anything other than frankly, amazing things that are going to happen in the real estate markets. And here's a little foreshadowing, and we're working on a podcast about this. If you look purely at the demographics of what the United States is experiencing over the next 20, 30 years, it's extraordinary and it's going to do nothing but maybe even increase the demand for housing by something like five to seven X. So that's how many home sales and how much new construction is going to have to be built just to meet demand and it's going to be built and that demand will be met and you are going to be a beneficiary of that provided that you are taking the right steps now to, you know, stay relevant in the real estate. That's right. And provided that you make it through this next three to six months because it is going to be more challenging than you're used to. That's why we're talking about price reductions because we've seen, you know, we've gotten texts, we've seen videos online, we've seen stuff on social media where agents were losing their minds over having to do price reductions, hearing about price reductions, having to ask a seller to come down.

TIM 3 .5 % 2007 Idaho 44 % 50 % 2009 2008 Julie Harris 49 Percent TWO Austin 50 Percent 6% 100 % 4% Nevada Julie Idaho Falls Washington State

News, Traffic and Weather

00:03 min | 17 hrs ago

Fresh "$50" from News, Traffic and Weather

"Places like movie theaters and high speed trains. The French transport minister promising to convene a meeting with transportation providers this week to explore possible actions. Others are calling for the formation of a task force to tackle the spreading infestation. A recent study found one in 10 French households have already had to deal with bed bugs. Ines de la Quaterra, ABC News, Paris. Tonight's Powerball grand prize is over $1 billion. ABC's Daria Albinger talking with some ticket buyers. The average federal student loan borrower owes more than $37 ,000 in debt payments ranging between 200 and $300 a month. A big toll on borrowers like Michael Lopez in Anaheim, California, already struggling with stubbornly high inflation and rising interest rates. It makes it a moving target when we're trying to adjust our habits in the face of paying these payments and having a kid. Not only do you have to figure all out of that, but now you need to do it while the cost of everything is low. For Derek Dennis, this is ABC News. And this is Northwest News Radio 1000 FM 97. We check your traffic every 10 minutes on the fours. Here's Natalie Melendez from the High Performance Homes Traffic Center. Well, above each other, the traffic well, is slowly clearing out on South 405. You're looking at a six minute delay and Federal Wayo crash on I -5 North is on the right shoulder approaching Highway 18 and traffic here is minimal. This report is sponsored by compassion international families in poverty are facing a global food crisis. $50 provides a food kit to feed a family for a month. Just text the word radio to 97646. Our next hope is traffic at 714. Come before Shannon O 'Donnell checks our forecast brought to you by Northwest Crawl space services. Either everybody has soggy Monday night still persistent but light precipitation

The Bitboy Crypto Podcast

03:33 min | 1 d ago

A highlight from How to Turn $3.2K to $313k with Crypto (Altcoin Degen Tales)

"A trader flipped $3 .3K up to $313 ,000 in just 19 days. This is crazy money, and ex -user dealer .eth shows us how they made it happen. Watch until the end for how I plan to integrate this strategy into my trades. Let's discover crypto. These trades were insane, and they were all in meme coins. It's the Vegas casino of crypto where you either get rich or get wrecked, and there are only a few people who really know how to do it. This trader got in early, and I think the reason they were able to do this is they were watching live pairs for new coins, doing some easy research and just simply buying early. Now, no one is sure, but this seems to be the most likely way this person was able to make a 1000 % gain in just over two weeks. So what happened? It started with a big buy. Six billion fined tokens on the second day of listing, making five purchases totaling about $30 ,000 that ended up netting him just under $149 ,000. This mega swing trade took about seven days to make a huge profit. They sold and then bought another fine specimen of blockchain tech called Real Smurfcat. This one they bought within its first hour of listing. It 3Xed $18K into well over $50 ,000. Real Smurfcat went on to do another 150 % move to the upside from there, but this trader had already moved on to greener pastures by then. This shows you you don't have to time the exact top or even close. They then bought $8 ,000 worth of Super and $15 ,000 worth of Curve NU plus a few extra random meme coin tokens. A few of them popped while some of them went back down to the gutter they crawled out from. These are meme coins, so as always, the wins can occasionally be huge, but the mini losses are generally bigger. The token Curve NU generated 150 % gain while Super or Supermarket price, it fell flat. The action in meme coins is light right now, but there are gains to be made and, of course, heavy losses, too. Now, this trader is an outlier because it's almost all losses in S -coins. The huge wins are the glory stories, but the losses can leave you reeling. So back to it. The rise of Pepe was the last mega meme coin pump, but sh** coin groups are still out there pounding the pavement trying to find the next big win. Now, this is not financial advice. You should know that already. I personally don't really trade meme coins unless the meme's power is just undeniable. Like I said, most people that buy meme coins at the very least get wrecked and the price goes down. Sometimes they even get honey potted and can't sell once they buy or even click the wrong approval and get their wallet drained of crypto and NFTs. It can happen, trust me. If you want to go to the crypto casino, many traders just go to dextools .io, live new pairs tab, but rest assured 99 .9 % of them are going to zero, so be careful. Trading new live pairs is like touching a live wire. It's basically paying the ETH gas fees to try your luck on a new token that just hit the Ethereum blockchain. Almost all of them are scams, but it is possible to find a good one that has an active community, committed devs, a website, and social channels in place to drive up the price. Looking at this wallet, I'm guessing that's how they turn $3 ,000 into $300 ,000. But the size of the bets is telling me they knew they picked coins that had a chance of winning. Whether that's from doing research or being part of a meme coin community is speculation, but live pairs is definitely the way to get in early. And again, in case I haven't driven this point home enough, it's also the way to get wrecked. So, yeah, it's a mean world out there, but occasionally there is serious money to be made. Crypto is full of possibilities. Look, that's all I got for now. I'll see you at the top.

99 .9 % $300 ,000 $3 ,000 $3 .3K $8 ,000 $15 ,000 150 % First Hour $18K Five Purchases Zero Vegas Second Day About $30 ,000 Over Two Weeks 19 Days Dextools .Io Under $149 ,000 Over $50 ,000 About Seven Days

VUX World

14:54 min | 1 d ago

A highlight from Customer journey analytics with Tim Friebel

"Hello there, ladies and gentlemen. Boys and girls, welcome to Vuex World. I'm your host, Cain Sims, and today we're going to be talking about customer journey mapping, analytics rather, customer journey analytics, I should say. There is a massive gap right now in the field of conversational automation and customer experience automation in general. A huge gap when it comes to analytics, in my opinion. Every single thing we work on, always you can't work on any conversational AI initiative without analytics, both interaction analytics as in what is this conversation successful? Is it achieving the goals that the business and customer needs? But there's two other layers that I don't think many are looking at. There is the customer journey layer, which is where are people coming from? When they're in that conversation, are you actually resolving the issue? Are they calling back four days later? Are they switching channels and trying to do something else on another channel? Is this the first time they're talking to you in a period of time or have they spoke to you every week for the last three weeks? There's a whole load of stuff that goes into understanding whether your efforts of improving customer experience are actually having an impact on you, so you've got to understand the customer journey. And then the level above that is the business. Is this thing actually contributing to the business? Is it generating revenue? Is it streamlining processes? Is it saving money? Whatever your goals are, you need to be able to measure it, quantify it, and tie it back to the conversations that you're having. These are the areas where I think there's huge gaps in many organisations' understanding and also their active implementations. People are beginning to get better at understanding the interaction level, understanding your NLU confidence scores, understanding turn -based analytics, looking at that fallback report. People are starting to get there. But the other two layers of journey and business analytics couldn't be further away. And so an expert in customer journey analytics is Tim Freewell from Genesys. He's currently the global experience transformation lead. He's got a wealth of experience in this kind of stuff, and he's going to join us today to walk us through some of the key considerations, some of the benefits, and also maybe some of the challenges that you might have in trying to implement all of this stuff. So without further ado, please welcome Tim Freewell to the UX world. Tim, welcome. Thanks, Kate. Pleasure to be here. Pleasure to have you here. Thank you for joining me. I know it took us a little while to set this conversation up, so I appreciate your patience and yeah, excited to get into it today. So where abouts are you going in the world? So I'm in St. Louis, Missouri. St. Louis, Missouri. Right in the middle of the United States. Most people, or some people, especially in Europe are like, where is that, right? So yeah, middle of the United States. Nice. That sounds good. That sounds good. And so how long have you been at Genesys for? So I've been at Genesys about five years. A number of different roles. Started as a business consultant, really focused on artificial intelligence for the contact center, focused on conversational AI for a couple of years. And then we actually acquired a customer journey analytics software called Pointless about a year and a half ago. And coincidentally, prior to Genesys, I worked in the customer journey analytics space for a little over a decade with a company that was kind of at the forefront of that. Frankly, we're too early to the market. The company was called Click Clocks. It's not really around anymore. But obviously, whenever we made that acquisition, it made sense for me to kind of slide over and help that team as well. So now really focusing on helping customers understand where they start from their AI strategy, but also how do we apply customer journey analytics to understand business impacts of these things that we're implementing. Nice, nice. So when you first began, then, the whole process with what did you call it? Click Fox. What was the situation then? What were the sort of like, I suppose, best practices quite a while ago now looking at your LinkedIn profile, like what was some of the best in class sort of like technologies, I suppose, at the time? And what did journey analytics look like then as compared to what you have now with Pointless? Yeah, no, it's a good question. I'd say the problem statement is still the same. We started with a perspective of, we actually had a product called customer experience analytics, right? And then through partnering with some of the big management consulting firms out there, the journey term started to take flight. So we latched on to that. And so you had, like I said, the problem statement is still the same. You still had analytics tools out there that were focused on maybe one piece of the journey. It was like, for example, Omniture, who was ultimately purchased by Adobe, was focused on the web and mobile customer journey piece of it. They're usually focused on the sales funnel. And then you'd also have people that were kind of doing reporting in the contact center. You'd have the voice of the reset, NPS, that type of thing. And really weren't connecting those things together. Fundamentally, it's hard to do, right? Because you have data coming from many different data sources that you're trying to connect together. So the problem statement was largely the same, is that how do we really see what customers are doing across all these channels and across time? So instead of it being just looking at one piece of the journey that's occurring within a couple minutes, potentially you're looking back six weeks or even six months. What's this customer experience as they're onboarding, things like that. So the problem statement is largely the same. The approach that Pointless took to it is very similar. Obviously, technology has evolved a lot to make the data collection piece easier, running in the cloud, all those kinds of things. So the how change involved, but ultimately the business problem statement was still the same. That makes sense. Yeah. And I suppose even today, perhaps the challenge is still kind of there, isn't it? I mean, if you look at something like Google Analytics, for example, or you mentioned Adobe Analytics there, like those analytics tools today are pretty good at focusing on one channel, web analytics, mobile analytics, and they can map a journey from the perspective of, okay, a customer comes from a search engine. They then go on this page, that page, this page, click this button, scroll to this depth, fill in this form, and then that's it. So I suppose when it comes to, especially when it comes to conversational AI, tying a conversation that might happen in an IVR system over here, or a chat bot on your website here, or a WhatsApp conversation over there. And those interactions are not just the only interactions that customers have. Maybe they start on your website, then call your contact center. Maybe they call your contact center and then try WhatsApp later. So in this sort of like omni -channel world, I suppose, would you think, would you agree with that actually it gets more complex to actually track the customer journeys in its entirety? Yeah, 100%. And because of all the systems that you mentioned, they kind of have all their own unique identifier for the interaction. So if you think about what, how would we identify the connectivity between these things, right? The contact center is going to have like a call ID or whatever the term is that you want to use within contact center platform. For the interaction itself, you're going to have the same thing with maybe a cookie ID on the website, as well as an interaction ID, et cetera. When customers authenticate, you get additional pieces of information, right? You might get their account number, their phone number, their email address, whatever. So there's all these pieces that are there, but sort of the secret sauce is being able to tie those things together across channels and have a cohesive view of what the customer's doing across the channels. Yeah, absolutely. We have some customers that we actually ingest like greater than 50 different data sources. So you're thinking about connecting together, billing data, potentially, I mentioned kind of voice of the customer, CSAT data, et cetera, even declines, ATM things like that. So you're really looking at a really granular level of the events that are occurring across all these systems. And then putting the business lens on it is what's this customer in the process of doing or trying to do? Are they trying to pay a bill? Are they new? Are they onboarding or trying to add a product? And those things, again, can take over time. Those things can take maybe a couple of weeks, depending on what type of journeys you're talking about, right? So you got, so it's not only the data connectivity piece, but it's also looking at it from the lens of the business to say, customers typically have, our customers, I mean, not the end customer, but typically have 10 or 15 core journeys, like what are the core things you can do with a brand? Like I mentioned, paying bill, onboarding, et cetera, et cetera. And so it's a different mindset of thinking about how do we actually run our business by that concept? Like how good is our onboarding journey, understanding that a customer might sign up for a new product online, maybe they need to go and create an online profile, then they've called the contact center, et cetera, over the course of those six weeks, right? So it's really kind of a different perspective to think about how are we looking at this customer experience. Yeah. And so do you tend to look more at analytics for exploratory purposes or or diagnostics analytics for measuring impact? Because suppose you could do this, you could do both, couldn't you? And that picture you were painting there of you've got 50 different data sources all plugged into one place. That seems to me a little bit more kind of exploratory and diagnostic based, like let's just ingest it all. Let's try and find the patterns. Let's try and find the issues. Then we can resolve something versus we've implemented something. Let's measure the impact of it. Like I'm wondering if you can give us a bit of a flavor for based on the customers you work with, where is most of the activity that you find that you're working on? Yeah, it's a really good question. And the perspective is it depends on where you're starting. And we always see, say the enterprise customers that have kind of grown to think about it as like enterprise journey management, they usually started with a specific problem and then added data sources over time because the questions they want to ask changes, right? So maybe where you start is probably the most common thing is let's look at what web pages or mobile pages are most likely to drive a customer and make a phone call at the end of the contact center or chat with the phone because then you're looking at upstream to say, are there areas to optimize that experience in the web and mobile channel that are actually going to reduce those interactions to the contact center because the customer was probably trying to self -serve anyway. But then over time, so to start that, you're starting with web and mobile data, maybe some contact center data. But then the next thing you might do is say, well, how was that experience on the web and mobile channel actually impacting CSAT? So let's pull in the voice of the customer data so that now we can start to look backward. And then from a, to use your word, a diagnostic standpoint, if we think about bots in the VUX context, I am a regular listener, by the way. If you think about conversational AI and bots, like that's one step in the experience. So inside of those tools, you have tuning and training tools. How do we actually make the bot? How do we optimize the bot? Did it do what it was supposed to do? But then taking a step back and seeing what impact to our business did that bot experience have? Like if we put a new intent in and we built out the fulfillment capabilities for that bot, did it actually reduce cost to the contact center? Did it positively impact our customer satisfaction, et cetera? So it's, you do have the diagnostic sort of in -channel focus from an analytics standpoint, but then you also want to take a step back and see, did it actually have the impact on our business that we expected it to have? Right. Absolutely. Yeah. What are kind of some of the challenges that, are the challenges the same today as you were alluding to earlier on in terms of kind of setting some of this stuff up? Cause you mentioned there, for example, you might start with website data and then you might try and put an intervention in on the website that then tries to reduce contact on the, in the contact center, but then you might pull in voice of the customer data. The challenge that I can sort of see there is these, I suppose, what's the word I'm looking for? These kinds of like numbers that you see on the website data, cause you might not necessarily be able to tie it to a specific individual. You've just got data, but then you've got voice of the customer data. And so it's tied that together, isn't it? To say, okay, this group of people on the website here had this impact on the CSAT. And it's the challenge for me seems to be like tying it all together. Cause you need to tie it to a customer level, something record in order to aggregate it, you know, to understand it at high levels. Are those challenges still challenges that you see? Yeah, absolutely. You know, so, and that is kind of the, you know, secret sauce. So whenever, you know, I talked about how the problem statement is the same that we've been looking at for, you know, nearly two decades to date myself a little bit, is the same, but you know, method that you're doing, you're doing that connectivity across the channels has changed and gotten a little bit easier. One of the kind of the proprietary things inside of the Pointless platform that was different, you know, is really what we refer to as dynamic identity resolution. So you're essentially building a living profile of the customer. So any ID that we might connect, collect from any channel we're adding to that customer profile. So that when we go do analytics in real time, like whatever we know of the customer at this time, we can use that and almost think about it as like, you know, not to geek out and talk about, you know, writing SQL queries, but you know, if you think about it as a join condition, right, depending on the analytics that you're doing, you might want to look at it from a different lens. So if I have, if the customer is authenticated in the, you know, in the mobile channel, in the IVR, et cetera, we're also probably going to be able to tie the account ID together with the voice of the customer data. And that's one lens is to say, let's use the account ID as the join here. But we also might want to look at it a little differently. You know, I could also maybe look at it by phone number, because that could be different people potentially.

Kate Tim Freewell Europe 10 100% TIM Genesys Cain Sims Adobe Vuex World Six Weeks Six Months Both St. Louis, Missouri Four Days Later Linkedin Greater Than 50 Different Data NLU United States Two Layers

"That's Why You're Single"

04:30 min | 1 d ago

A Man's Intuition Is On a Whole Different Level

"Have this thing called a gut feeling when something's about to go wrong. For example, right? And they call that women's intuition. Women's intuition. I'm about to say women's intuition. But men have it in a whole different level than women do. For example, my wife and I, we went to the Big E, right? She puts on the GPS and she's following the GPS turn for turn, ending up in traffic. Me being a bus driver and me in my occupation, I kind of have a feeling of how the routes are ways to go. I did one thing where I took one right turn away from traffic just to go around and still end up on the highway. And she's like, how did you do that? Because you're a man. That's all. That's all I'm saying. I'm a man. That's all. I'm just saying. Women, they have this thing where we think about the big picture where women, they could be very narrow -sided. I'll say that. Nice way of putting it. And where I'm pretty sure you guys - I can take that. I like that. I'm pretty sure that you guys, being men who were in relationships, who were like, all right, this is due. This is due. That's due. This has got to get taken care of. And she's, oh, I got all these 50 million bills. This, that, and the third. And you're like, all right, you know what? We're going to take care of this. We're going to take care of that. That's okay because it's going to be late by two weeks, but it's okay because we've got money coming in next month. And we good. We just think faster. We think clearly. We look at the bigger picture. We don't get overwhelmed like women do. We take a step back. We look at the big picture. Women, they're splendid. They're mighty. That's all I'm saying. That's all I'm saying. Scatter brains. Scatter brains. We have to be the rock. Exactly. In all of that thinking and all of that stuff. That's why we have to make the last decision. What? Okay. So this is what I don't get. You guys, long term marriages, what are you talking about? You don't have feelings. You don't worry about it. Your feelings. What is that? You can't. I was married and I had my feelings. She knew about my feelings. And that's why you're single now. Jesus. Probably Jesus. No, no, no, no. But you didn't say it was time to hit the nail on the head. Happily single. No, happily is happily single. April fools. Shit. That's what it is. It's like shit. Gotta. Gotta. Gotta. Gotta get done. Shit. Gotta get done. It don't matter if you hurt. It don't matter if you mad at this motherfucker. It don't matter if the kids is bad. The sneakers. You still gotta buy them sneakers. She still need things too. My wife need shoes. My kid need clothes. Come on, seven. What is that? I'm sorry. I'm going through it. What is that? What is that? Happy wife, happy life crap. Yes. What is that? It means you gotta make sure she's happy enough. What about you? Let me explain. You gotta make sure she is happy enough. I'm a 27 year old nigga that's just getting into a relationship. It's telling me. Let me explain. I'm trying to put you on. I'm just listening. I'm just listening. Dude, my teacher. Wait. Do you understand our certainty? I just listen. How long have you been married? It's about nine years. Nine years. How long did you marry? I don't know. It was quick. I'm going on 22. I'm over two decades, brother. Mm -hmm. I'm just listening. Go ahead. I'll tell you my idea behind it, right? I have to make sure that my fiance is happy so she can get out of my hair long enough for me to do the things I want to do so I can be happy. For example, she likes to house clean. Something like you were saying. You know? For example, she likes to house clean. She likes certain things done a certain way. She likes the toilet seat put down. She likes... You know what I mean? I don't need to... So are you cleaning the house and putting the toilet seat down? No. I said... What is she doing? What is she doing? She's keeping it clean. She's maintaining it clean. She's doing all the things that she wants to do and all her womanly needs and all that good stuff is taken care of.

Jesus Nine Years Next Month Two Weeks Seven Third Big E About Nine Years 50 Million Bills One Thing Single 22 ONE Over Two Decades 27 Year Old April

Awards Chatter

07:30 min | 1 d ago

A highlight from Tim Burton - 'Wednesday' [LIVE]

"Hi everyone and thank you for tuning in to the 507th episode of the Hollywood Reporters Awards Chatter Podcast. I'm the host Scott Feinberg and my guest today is a filmmaker unlike any other. With directing credits dating back some 40 years including 1985's Pee Wee's Big Adventure, 1988's Beetlejuice, 1989's Batman, 1990's Edward Scissorhands, 1994's Ed Wood, 2003's Big Fish, 2005's Corpse Bride, 2007's Sweeney Todd, 2012's Frankenweenie, 2014's Big Eyes, and most recently in 2022, half of the eight episodes that comprise the first season of Netflix's giant hit drama series, Wednesday, for which he is personally nominated for two Emmys, Best Directing for a Comedy Series, and as one of the show's executive producers, Best Comedy Series. The New York Times has called him a visionary artist, noting, quote, he has developed a singular if not easily pinned down sensibility. His style is strongly visual, darkly comic, and morbidly fixated, but it is rooted just as much in his affection for monsters and misfits, which in his movies often turn out to be the same thing. He all but invented the vocabulary of the modern superhero movie, brought new vitality to stop motion animation, and has come to be associated, for better or worse, with anything that is ghoulish or ghastly without being inaccessible. He may be the most widely embraced loner in contemporary cinema, close quote. His most frequent collaborator, Johnny Depp, who he has directed in 19 films, said that he is, quote, a filmmaker I admire, but he's much, much more than that. Without embarrassing him, he's a true artist, which is something I wasn't sure was possible in today's cinema. But he's the real thing. He's a visionary, an auteur, totally uncompromising, close quote. He's talking, of course, about Tim Burton. Over the course of a conversation in front of a large audience at the Burbank International Film Festival, including two of Burton's most celebrated and longtime collaborators, the composer Danny Elfman and the costume designer Colleen Atwood, the 65 -year -old and I discussed his complicated childhood and how it led him to pursue drawing and attracted him to characters regarded by others as freaks, how he wound up working at Disney Animation and then making his feature directorial debut with a live action film, the challenges of getting films made even with hits under his belt and what ultimately led him to TV for Wednesday, plus much more. And so, without further ado, let's go to that conversation. Hello, everyone, and Tim, thank you so much for doing this. Great to see you. I normally begin every episode of this podcast asking our guests where they were born and raised, which I think we have addressed, but I do want to get into it a little bit more because, you know, over the years, you have expressed that sort of what you just alluded to, that, you know, you were very shaped by Burbank. For better or worse, there were elements that were great, elements that were complicated. Can you talk about, but one thing that you've always said is that without Burbank and without those childhood experiences, the filmmaker we know today would not exist. So just break it down. Well, I mean, you know, I keep reading that I hate, you know, like the press has a way of sort of taking what you say and take out the nuance and subtlety and, you know, like go right to the core. But I think, you know, and when I said about whatever I said about Burbank, it had more to do with my own psychological state of mind than it did with the actual city of Burbank. You know what I mean? So and that's a bit too complicated and psychological to go into now, but in the sense that, you know, you grow up in feeling a certain way, Burbank helped shape me because, you know, there was like my first film school was the Cornell Theatre. There was this amazing theatre that was torn down, I think, in the late in the 80s. I don't know when it was, but, you know, they would for 50 cents, you could see a triple feature. Like, I saw one amazing, I saw War of the Gargantuas, Monster Zero and Destroy All Monsters in one go, you know, 50 cents. So that's where I learned my love of film and that really, so there was amazing places and it was incredible. There was like five movie theaters, Burbank at a certain time, and then they all got sort of taken away. But for me, that place, especially that theater was very, very special to me. And you've said that during your years in Burbank, which I think up until 12, you're living at, was it Evergreen Street? Is that where you were? Yeah, right down the street. Just down the street here. You can all walk over there after this. Yeah, we'll do a little. Check it out. Then you moved in with your grandmother also in Burbank, right? But as a bit of a loner, as a kid, you were kind of thinking about things, dreaming about things in everywhere from some of the cemeteries in town to... Yeah, the one right next door here, you know, I used to play around there, you know, that was, yeah. Yeah. You know, and I could look out my window, the thing that freaked me out, I looked out my window at Disney and this was like the weird, called the Bermuda Triangle of Burbank. Because I could see where I was born at St. Joseph's and then I could see the cemetery where everybody, all my family was buried. And I was, so it was like a weird Bermuda Triangle that I had to escape at a certain point because it was just too scary. Now, you've also said that as a kid, you were, you know, not only a bit of a loner, but sort of not particularly communicative, verbal with other people. You lived in your imagination, which manifested itself through drawing. Can we talk about how that entered the picture? And as was noted, I mean, to the extent that it was, you were talented enough that in Burbank, your work, anti -littering art was on the back of every garbage truck. I wanted $10, and at that time, that's probably like about a million now. Right, right, right. But drawing was an outlet for you. What kind of things were you drawing as a kid? Posters for trash trucks, I don't know, I mean, whatever. But also, I mean, the movies that you were drawn to, and I believe maybe therefore some of things the you were drawing were things that other people might find frightening or scary, but that you actually, in a way, related to, right? Like what are we talking about? Yeah, but I mean, like, you know, I didn't feel that different. It felt like, you know, I love famous monsters. I wait for that magazine to come out. I love monster movies. I live near a cemetery. You know, I mean, you use what you have, you know what I mean? Yeah, yeah, yeah. So it was good. Totally. And I think also, too, growing up in Southern California, where you don't really have seasons, I think that's why I kind of got into, you know, like things like Nightmare for Christmas or Halloween, just because it gave you a sense of occasion, a sense of season that you didn't get through the weather, you know, I mean, to experience, like holidays, you had to go like to the main, like, at Save On and look at the holiday displays to kind of experience.

Danny Elfman Scott Feinberg Colleen Atwood Tim Burton Johnny Depp $10 Monster Zero TIM 2022 19 Films War Of The Gargantuas Disney Animation 2007 50 Cents Southern California 2005 First Season 2014 2003 1985

Demo 1 - NaviLens

02:05 min | 2 d ago

Disney Plus Streaming Sets 'Artemis Fowl' Premiere Date

"Disney set the streaming -only premiere date for live -action sci -fi fantasy Artemis Fowl on its Disney Plus service worldwide, hoping it gives more juice to the subscription VOD product while all of the theaters are closed. Artemis Fowl, directed by Kenneth Branagh, will be exclusively available on Disney Plus beginning on Friday, June 12th. It had originally been set for a May 29th theatrical debut. Based on the best -selling book by Irish author Ian Culfer, Artemis Fowl follows the journey of a 12 -year -old criminal mastermind as he desperately tries to save his kidnapped father. Artemis must infiltrate an ancient underground civilization of fairies and track down the Oculus, the fairies' most powerful and coveted magical device, to pay the ransom. In a statement, Branagh said that Artemis Fowl would be as proud as I am that families around the world will now be able to enjoy his first amazing screen adventures together on Disney Plus. Artemis Fowl stars newcomer Ferdia Shaw in the title role, alongside Laura Macdonald, Josh Gad, Tamara Smart, Nonso Anozzi, Josh Maguire, Nikesh Patel, and Adrian Scarborough, with Colin Farrell and Judi Dench. Branagh and Judi Hofflin are producing, with Angus Moore Gordon and Matthew Jenkins serving as executive producers. Connor McPherson and Hamish McCall wrote the screenplay. Amid the COVID -19 crisis, Disney has postponed nearly every one of its forthcoming movie releases, including Black Widow, Mulan, The New Mutants, The Eternals, Jungle Cruise, and Indiana Jones 5. The media conglomerate is betting that Artemis Fowl will draw more subscribers into Disney Plus, which surpassed 50 million paying customers worldwide in its first five months of service.

Ferdia Shaw Adrian Scarborough Colin Farrell Judi Dench Matthew Jenkins Josh Gad Judi Hofflin Josh Maguire Kenneth Branagh Ian Culfer Branagh Hamish Mccall Nikesh Patel Tamara Smart Laura Macdonald Nonso Anozzi May 29Th 50 Million Friday, June 12Th Angus Moore Gordon

The Eric Metaxas Show

07:43 min | 2 d ago

A highlight from Neil Mammen

"Ladies and gentlemen, looking for something new and original. Something unique and without equal. Look no further. Here comes the one and only Eric Metaxas. Folks, welcome to the program. I am so excited right now. I could burst almost literally, but not literally. I have on a friend, Neil Mammon, who is involved in something that I've been talking about for some time. It's really exciting. So before I tell you all about it, why don't I just say welcome, Neil Mammon. Thank you, Eric. Good to be here again. Okay. We're going to be talking about something. I can't believe it exists. I feel like I dreamt it up, but nobody would ever execute such a thing. But you and Roger Elswick have made this a reality. This is a big deal. This is an answer to a real problem we have. I say everywhere I go that folks, if you're going to a church that is not dealing with the issues in our culture, that is unwilling to face this and that is whistling in the wind, that is fiddling while Rome burns, you need to find another church. I say this over and over and I beg people, God will judge you for sitting in a church that is shrinking from its duty before God to speak to these issues. And then the question is, people say, well, where would I go to a church? So, Neil, tell us. Well, the problem is really, really obvious and I get that all the time. I go around speaking, people go, oh, do you know a good church in this area or that area? Well, it turns out that more than that, it turns out 1 .7 million people look for a new church every month. 1 .7 people look for a new church. A billion. A billion. And now if you assume that's a family unit here or there, that's about 5 million people looking for a new church every month. 5 million. Most of them, turns out, it's Sunday morning. So I wanted to do some research on it, so I went on, you know, the source of all information is Google's Bard Artificial Intelligence. And I said, tell me what sort of churches these people are looking for. And Bard comes back with, oh, they're looking for progressive, more loving, more accepting churches. That's what Google's Bard said. And I said, really? Is that true? I don't believe that. So I said, give me the information. Give me the evidence of that. By the way, before I start, I should mention this. I have a statistic. I want a statistic. I want your readers. I don't want you to guess because you'll know the answer. Here's a quote. Only 17 percent of Americans go to church. The interest in religion is minimal. And in New York, single women are more likely to be sexually active than attend a church. Worse, 33 percent of all pregnancies in New York are out of wedlock. Now, I ask people, what decade do they think that is? And they always say, oh, oh, that's 1990s, 2000s, whatever, right? You know, actually, this is 1990s because today is probably a lot worse. But we'll come back to that. But so so I asked Bard, I said, what what since you think that these are people looking for progressive churches, can you give me a list of the growth rate of progressive churches? And Bard said, OK, so it gives me this rate and it's you know, it shows me this list of people of churches and like the UMC. They've dropped like 50 percent, the Presbyterian, the USA, you know, the liberal Presbyterian Church, they've dropped by 38 percent. And so I go down that list and I ask I ask I say, well, give me the list of all the progressive churches and how they've grown in the last 20 years. So from 2000 to 2020. So in 2000, the progressive total people going to progressive total was about 18 .7 million. And today it's about 16 .8 million. So they've dropped by 10 percent total. There's no surprise people going to these ridiculous, you know, quote unquote progressive churches that have veered away from biblical doctrine. I'm surprised anybody goes to those. Exactly. I mean, the the Presbyterians, they've dropped. The Presbyterians were the ones that dropped by 50 percent. The UMC has dropped by 15 percent. Yeah, because why go to a church like that when you could go to to like a local, you know, Neil, where are you going? What's the punch line? Because I'm getting confused. Are you? I know there's my assumption would be that most people who actually care about church are trying to find a conservative church, a church that teaches biblical doctrine, but also that speaks to the issues that people like because many people can go to these ridiculous mega church or whatever, where they they're avoiding the hot button issues that everybody has to deal with when they leave that church, their kids are dealing with it, everybody's dealing with it. What's going on in America? So the idea is, how do you find those churches? So I know that's where you're heading with this. So I turned the bar and I said, OK, now give me the conservative churches. I'm on board just looking for liberal churches, progressives. I said, give me the conservative churches. And it gives me things like, oh, the Orthodox Presbyterians, they have grown by 50 percent in the last 20 years. The Orthodox Russians have gone by 29 percent. Independent Baptists have grown by 33 percent. The conservative. And so I did I said, what about the Calvary church? The Calvary churches have grown by one hundred and fifty percent. And then the you know, even the Southern Baptists who's stuck in the news all the time, they've grown by seven and a half percent. OK, but conservative total have grown from sixty seven million people in 2000 going to these conservative churches to ninety two million going to these conservatives. So they've grown by almost thirty seven percent in the last 20 years. Now, what's interesting about this and this is the kicker here. This is all pre covid data. It didn't have any data for twenty one, twenty two, twenty three. This is twenty twenty. And as you know, and you're going to be preaching in my church in Santa and in in San Jose and sometime in your future Calvary Chapel, San Jose, right. They grew from three hundred people to three thousand people over covid. Why? Because a couple of things is very important here. Pastor Mike said, I'm not going to let the state determine what I'm doing. I'm going to be legislated, be active with voter guides. We had candidates coming in who's fighting the state. Remember, we say we're the finest church in all of America because we have four million dollars in Calvary Chapel, San Jose, because we wouldn't shut down for covid. So churches like these have been exploding all over the nation. So just these numbers are three years old and I can't seem to get the twenty twenty three numbers. So, no, the people who are looking for church. And so I went back to Bartlett said, well, this is the growth rate. Our people are really looking for more progressive rates. And, you know, I always say, well, I'm really sorry. I apologize. Yes, you're right. They must be looking for conservative Bible believing fundamentalist churches is what it comes back to. So it actually says, oh, yeah, you're right. You were correcting me on it. Right. So the issue here is then why? How do we find these if five million people are looking for churches every single month, how are they going to find these conservative churches? OK, this is this is a very long way of getting to the punch line, because this is such an exciting punch line, Neil, that I am just at the bit to get to this. We started. I know what I mean. I just want to say.

Eric Neil Eric Metaxas Neil Mammon Roger Elswick San Jose New York America 29 Percent 10 Percent 38 Percent UMC 2000 15 Percent 50 Percent 33 Percent 5 Million 1 .7 People Seven And A Half Percent 2020

Simply Bitcoin

10:32 min | 3 d ago

A highlight from $17.7 TRILLION IS COMING FOR YOUR BITCOIN | SB Originals

"I've recorded at least a couple of videos at this point talking about not selling your Bitcoin to BlackRock, how the institutions are coming, Fidelity, BlackRock, ARK, etc. The big players are coming and they want your Bitcoin. And I get the impression that many of you don't really appreciate why Bitcoin is so special, why the institutions do want your Bitcoin and will pay you whatever price they can to get it, and why selling it is the absolute last thing that you want to do. This article from Forbes is titled a fast growing 17 .7 trillion, that's T, trillion, Wall Street crypto earthquake is suddenly hurtling towards the Bitcoin and Ethereum price. Let's ignore that latter part, the Bitcoin price. Bitcoin has been thrust into severe uncertainty in recent months. Okay, first off, no, it hasn't. Maybe uncertainty if you don't understand Bitcoin, but this is baby sleeping time. This is not a time of uncertainty. These don't times matter in the grand scheme of things. The price dip and change from this to that is all irrelevant. It's all going to zero. And Bitcoin, on the other hand, is going up forever. So for the next little bit of the article, it talks about how the price has rose and dipped. And it's just a kind of a bunch of nonsense. But then it down here talks about Franklin Templeton. Franklin Templeton filed with the U .S. Securities Exchange Commission, the SEC, this week for a spot Bitcoin ETF, joining a flurry, that's an understatement, of applications that was kicked off by the world's largest asset manager. That's right, BlackRock in June and includes Fidelity, Invesco, Galaxy, Wisdom Tree, who between them manage 17 .7 trillion worth of assets. You have to realize that that's not really what matters. It's not that amount of money going into Bitcoin. It's what that signals to everyone else, because that 17 .7 trillion, yes, is under control by those asset managers. Yes, but you know what else happens when the big boys do things? Everybody else pays attention. So you get all these family offices going, wait a second, I'm sorry, BlackRock did what? They put what where? Oh, so, OK, I guess that's what we should do. This happens in every arena around the world. You can see it in literally everything. If a movie does something, other people try and copy it. If a technology does it, iPhones, for example, everybody else tries to copy it. So when BlackRock and Fidelity and Invesco, when they do move into the space and it is coming, they wouldn't all be filing for this just to do something to do because they're so bored. No, they're doing this because they want a piece of that. And why do they want a piece of it? Let's cut to something that seems completely unrelated. Post Malone has bought Magic's two million one ring card. And this is from the guy that found it. I believe he was in Toronto, Canada. When I found the one ring, the first person who came to mind was Post Malone. I have played Magic since I was a kid, and obviously it would be amazing to keep this card. But for a guy like me, being able to sell it is a life changing. I just really hoped it would go to someone who would appreciate it as much as I do. This is my dream come true. Meeting Post Malone and him buying the one ring from me is literally a moment straight out of a fairy tale. Post Malone, at Magic the Gathering, you have changed my life. Things like this don't happen to people like me. I guess it's Magic. I am forever grateful. In the past few months, Post Malone was on with Joe Rogan, and Joe Rogan asked him about that. And Post Malone was like, yeah, I did spend that much money on a card, and Joe Rogan doesn't get it. But here's why he did that, because it's the only one that will ever exist. And you might say, yeah, but Dell, you can go over to TCG player and get one for here. Look, with the 37 bucks right here, the borderless one, here's a different version for 60 bucks, 50 bucks, whatever this one, 100 bucks. So you don't need to spend two million dollars on it. Okay, no, you don't to actually have that card in your deck and can play with it. Sure, you can spend 50 odd whatever bucks on it and get it. But to get the exact one that Post Malone spent $2 million on, the one of one, that exact version, no, you do need to spend $2 million to get it or whatever Post Malone is selling it for now. If you've ever experienced a banking kerfuffle, to put it mildly, like I have, then there's a really good chance you already know the importance of Bitcoin. But you might have other questions. Maybe you don't feel quite as secure with your self custody setup as you would like to. Schedule a free 30 minute consultation call and they will help you solve whatever it is that you have about Bitcoin. Don't let a question keep you up at night. Call the Bitcoin way. At this point, I imagine you're wondering at least two things. Those are, what in the world happened with the banking story? What is Magic the Gathering have to do with this at all? And number three, so why in the world does Fidelity and BlackRock, why do they actually want that? Let me go through these. First off, why does BlackRock and Fidelity and all the big players, why do they want Bitcoin? Here's why they want Bitcoin. This one's from at BTC salvation. He says owning one Bitcoin is rare. How rare is it rare than the Magic the Gathering card? No, it's not quite that rare because there's only one ever in existence of that. But here's how rare it is. It's like owning roughly 25 pounds of gold or 107 acres of land in the US or roughly 1754 acres of land in the world or roughly 6 .7 houses in the US or roughly 109 houses in the world. And what has BlackRock been buying? It's homes. What has Bill Gates been buying? It's farmland. What do the people in power, what do these large players in the financial space want? They want, ladies and gentlemen, if you haven't figured it out by this point, I'm not sure what to tell you, but I'll tell you, they want scarce assets. They want the things that there is only a limited amount of. And what will there only ever be 21 million of? Bitcoin. That's right. There will never, ever, ever be more than that. What if somebody else forks it and they make a whole new thing called Bitcoin too? They've done that. It's trash. It's garbage. It's going to zero. It's all going to zero. You can only find perfect digital scarcity once. It's not possible to do it again. Anything else that's a copy of it is, oh, I already told you what it is. It's a copy of it. That's what it is. There is, you can't do it again. Bitcoin is true digital scarcity and anything else that comes along after it is a copy. So now what does this have to do with magic, the gathering and rarest things and scarce things? And well, let's jump over to something else that seems completely unrelated. I've had hedge fund managers, like, reach out to me on LinkedIn to be like, hey, like, could you talk to us about TCGs? Like, we want to know how they work. Like, that's an experience that I'd never had before. Do you see it yet? Are you starting to understand? Am I painting the picture clear enough for you that the power is to be how much of the pie they want? They don't want the tin. They don't want the crust. They don't want that nice top with the different funny shapes cut into it. They don't want the juicy filling. They definitely don't want the bottom. No, they want the whole damn pie. Every crumb, last every single little iota of the pie. If that includes card games, hedge fund managers are going to call card game designers and ask them, how can we get it on that pie? They want all of the pies, every last one. They're going to show up to the marine calendars and just give me the pie. Every last one. They definitely want the Bitcoin pie, every single one. So if that means contacting old Gary Gensler and saying, hey, get this approved, don't do that. If it means contacting drone pal and Janet Yellen saying, hey, print us all of the money ever so that we can entice these goons out of selling every last Bitcoin that they have so that we control and not they because they're just peons. They're just silly people. They don't know what to do with their money. They're clueless. They don't know. We know that's how we got here. Clearly, we're the best players in the room. We know what we're doing with the money. We're the ones in control. Let us have all of it. Print us as many Chuck E. Cheese prize tickets as you possibly can. All of them. Trillions of them. It doesn't matter. Who cares what the debt is? It just goes up and up and up. It doesn't matter. Give us more so that we can buy the Bitcoin off of them. They keep on kicking the can down the road and behind them, the road is crumbling. And where's the new road come from? They're just laying it as they go. And at some point they will stop to catch their breath and everything will come crumbling down. But guess what's under that road? Bitcoin. That's where everything falls to. Everything falls onto the shoulders of Bitcoin. And Bitcoin has some real strong shoulders. Let me tell you what. So where does my story end? My story ends with my banking crisis being averted. I finally talked to somebody that had since they knew how to solve the problem. They said, yes, let me actually get you to the right department. I don't know why those three other people didn't do that. Got to the right department. I was helped by a lovely woman who got me back access to my bank account. So that was a harrowing few hours of that morning. But I eventually did get access to my bank account. But for those few hours, it was a sobering experience to realize that I could be completely cut off from all financial access. I couldn't pay anything that I wanted. Rent was coming due, couldn't pay that, got bills due, can't pay those. Forget about buying a coffee, which might be nice to have or a sandwich or whatever like that. That's irrelevant. But when the bills start going, hey, you owe us this. And then we start turning off the electricity and you don't have Internet and then you can't do this and you can't do that. It's a real big problem. So, yes, the crisis was averted. But there is a global crisis looming, an absolute catastrophic world shattering, meteor impacting the world style event coming to the monetary system. And if you don't have some heavy shoulders to fall upon, I don't know where the road goes when the road crumbles. And if you have nobody to catch you, I don't know what's under there. I think it's just an abyss that falls forever. That's not a place that I want to be. Is it a place that you want to be? No, I don't know. But here's what I do know. If you're here on Simply Bitcoin, the chances that you don't want to be in that precarious situation is pretty good. So get subscribed, learn about Bitcoin, understand how important it is, and the answers will fall into place. And you, ladies and gentlemen, might fall upon the shoulders of Bitcoin. And like I said, this is not the first time I've talked about this. So check out this video right there where I go over in another way the institutions coming for your Bitcoin, because they are. Ladies and gentlemen, they are going to try and get it from you. Guaranteed they want it.

Janet Yellen Gary Gensler Joe Rogan 21 Million Bill Gates 107 Acres United States 50 Bucks U .S. Securities Exchange Comm 100 Bucks One Ring Fidelity ARK Invesco June 37 Bucks $2 Million SEC Toronto, Canada 60 Bucks

Discerning Hearts - Catholic Podcasts

00:58 sec | 3 d ago

A highlight from DC11 St. Jerome The Doctors of the Church: The Charism of Wisdom with Dr. Matthew Bunson Discerning Hearts Podcast

"Discerninghearts .com presents The Doctors of the Church, the Carerism of Wisdom with Dr. Matthew Bunsen. For over 20 years, Dr. Bunsen has been active in the area of Catholic social communications and education, including writing, editing, and teaching on a variety of topics related to church history, the papacy, the saints, and Catholic culture. He is the faculty chair at the Catholic Distance University, a senior fellow of the St. Paul Center for Biblical Theology, and the author or co -author of over 50 books, including The Encyclopedia of Catholic History and the best -selling biographies of St. Damien of Malachi and St. Kateri Tekakawisa. He also serves as a senior editor for the National Catholic Register and is a senior contributor to EWTN News. The Doctors of the Church, the Carerism of Wisdom with Dr. Matthew Bunsen. I'm your host, Chris McGregor.

Chris Mcgregor St. Paul Center For Biblical T Bunsen The Encyclopedia Of Catholic H Over 50 Books Matthew Bunsen Catholic Distance University Over 20 Years Ewtn News Discerninghearts .Com The Doctors Of The Church, The St. Kateri Tekakawisa DR. Catholic Register St. Damien Of National Malachi Catholic

Crypto Banter

09:46 min | 3 d ago

A highlight from This Project Is Solving One Of Crypto's Biggest Problems...

"In today's video I want to dive a little bit deeper into a crypto project which is solving one of the biggest problems in crypto right now and is also offering some of the most attractive yields in the market allowing its users to access incredibly high APRs via a custom algorithm that allows users to earn passive income. Today I'm going to be covering Smartdex which is a leading innovation for liquidity providers and traders who want to stay ahead of the game. I'm going to run you through the unique features of the protocol and unpack why their technology may be game changing in the crypto sphere. For full transparency Smartdex is a sponsor of the show and we do thank them for sponsoring the channel as well as this video. Let's get straight into it. So if you've ever used DeFi before you may be familiar with the term impermanent loss. Impermanent loss is something that happens to liquidity providers when providing liquidity on an AMM DEX where price of one of the assets that you've paired with each other in order to stake and earn yield moves against the price of the other asset on a relative basis which creates a spread which can result in an impermanent loss of your total LP size. So let's say you have $100 in ETH and $100 in USDC. Because USDC is fixed if Ethereum moves up or down in price that liquidity pool has to balance to keep equal value of both parts of the pool. So essentially what it's going to do is sell some of your Ethereum and buy USDC to make sure things are balanced if Ethereum pumps and if the price of Ethereum dumps it will do the opposite. Your USDC balance will go down in order to replenish your Ethereum balance but this happens automatically that's an oversimplification when you provide liquidity into a pool which is pooled with a variety of other people's assets. So impermanent loss is quite annoying because even if you're earning crazy high APRs like 50, 60, 70, 100 % you can still actually end up losing money because if you have volatile assets especially if you're staking altcoins they can move against each other in price and make it extremely difficult to not only monitor your positions but also maintain profitability even in the face of extremely high APRs. Well SmartX has come up with a solution to this problem and in my belief it's the only DEX product that's been able to solve this problem in crypto using a proprietary algorithm and what they're essentially doing is with a fine -tuned algorithm transforming impermanent loss into impermanent gain. I'm going to show you some mathematical examples to show you exactly how this works. As you can see SmartX compared to your typical AMM like Uniswap actually performs very well in this instance of the Ethereum liquidity pool versus its counterpart when Ethereum fluctuates in price and despite the Uniswap pool actually going down in value the SmartX pool over this period actually gained in price because it was re -pricing in accordance to their fine -tuned algorithm. I want to give you some examples now using real simulations from SmartX to show you how it can impact price but firstly let's talk about how this actually works. Essentially what SmartX does is it concentrates liquidity on selling when price rises and on buying when price drops. This essentially mimics what a professional trader would do when managing an active position. As a result this reduces the impermanent loss over the long term and sometimes as we just saw in the example before leads to impermanent gains. I'm going to show you now a simulation table which shows this in action and actually shows SmartX has across this example an average gain of plus 21 percent versus a typical DEX where they experienced an average loss of minus 21 percent. So a huge difference here and you can see in a variety of examples here with varying start dates the SmartX performance with the LP position actually outperformed the normal DEX by a magnitude of difference. You can see here in the ADA example SmartX made 80 percent while the normal DEX lost 0 .02 percent and you can see the token price variation and how SmartX responds in accordance with a normal DEX and across most examples SmartX was able to handle the fluctuations in price much better when it comes to LP positions and this is due to their custom algorithms. So it increases the peace of mind when it comes to stakers on the platform knowing that their assets are at least going to be safer by and large than staking on a typical DEX in terms of the negative effects of impermanent loss and that's the real selling point and the cool unique feature of the DEX that's different from all other DEXs. You can see in front of you these are real examples if we click on it we'll take the ETH USDT pool as an example and look at SmartX versus Uniswap, Uniswap v3 as well and you can see here that in this instance across this pool SmartX has maintained an impermanent gain of 7 .1 percent whereas Uniswap was only able to maintain a gain of 3 .18 percent and actually after fees and rewards they ended up net negative at minus two percent whilst SmartX averaged out at plus 1 .27 percent and Uniswap v3 performed even worse close to minus four percent and I can go through a bunch of examples on Arbitrum. The Arbitrum USDC pool on SmartX performed much better than the Uniswap pool coming in at an impermanent gain of three percent versus an impermanent loss of minus 0 .2 percent in the case of Uniswap v3 and this is pretty much consistent across most pairs across the major AMMs are Wrapped ETH USDT, Arbitrum USDC, you can see the example on Matic USDC as well and USDT BNB as well and these are some of the primary networks that are offered on the SmartX exchange. So what can you actually do on the SmartX exchange? Well it's a couple cool features but one of the main awesome things is the crazy yields that it is paying out to users and these aren't fake Ponzi yields of course there are some emissions on the platform but it's not like a Ponzi scheme like Olympus DAO, this is a real AMM with real functionality and they're able to offer extremely high APRs due to their algorithm so I want to show you some of the features and what you can do on the platform. The first thing you can do is swap just like any AMM of course liquidity providers enable the functionality of swapping on the platform so I'm in the Arbitrum network right now I can swap from Ethereum into a variety of assets on the platform as well I can hop into the Ethereum network I click switch network here and now I can swap you know my USDC for other Ethereum ERC20 tokens SHIB, APE, SAND so just like a normal DEX you can do swapping here and of course they have very competitive rates across some of the major DEXs in the space but here's where it gets way more interesting in the liquidity tab here you can create a new position in order to stake your LP in their farm tab so if you click on farming you can see here across their networks they have many different LP pools that enable you to earn very attractive yields with big multiplier bonuses so for example their wrapped Bitcoin ETH pool is paying 10 % their STX TET pool is paying 9 % their STX ETH pool is paying 25 % but as we go into some of the layer 2s the yields get even better if we go over to the Arbitrum network which is a popular layer 2 network you can see the Arbitrum USDC tokens paying 17 % their Bitcoin STX tokens paying 30 % if we go into the BNB chain we can see USDT BNB is paying 14 % ETH STX 42 % USDT STX 50 % and of course you have to work out whether you want exposure to the STX token I can't work that out for you if you like the token and you're bullish on it then of course it can make sense to stake take advantage of the crazy multiplier and earn those ROIs but it all depends if you're bullish on the token if you don't like the token you don't have to stake it you can stake with any assets that you do hold for example you know you can pair your Ethereum you can pair your BNB you can pair your Bitcoin as well it really depends what asset you do want to pay you can see there's an ETH USDC pool here paying 20 % on base so some of the most competitive yields in the space considering yield overalls dried up the ability to earn passive income is super strong on the SmartX platform for some of the reasons we talked about before and if you do want to add liquidity it's as long as you have ETH and USDC in your wallet for this example on the base network you go over to liquidity you click on new position you add ETH and then you add USDC as well you add them together you click add liquidity then you go back into the farming section of the platform and you stake your tokens there to earn yield now not only can you earn yield on the platform but SmartX and Crypto Banta have actually teamed up together to give a very special offer to Banta users if you stake a minimum of $50 worth of liquidity across any of the layer 2 networks so that's Polygon, Arbitrum, BNB or base then you enter the running to win a $200 airdrop which we are issuing to five random people each week and we even did a one Ethereum giveaway a few weeks ago so we're constantly varying the prizes each week but if you want to be in the running for these prizes then you need to submit liquidity using the link below and provide your wallet address in the Crypto Banta form that is also linked in the description below so once again $50 worth of liquidity into any of these pools allowing you to earn passive income and also enter the potential giveaway to win $200 which five people will get and as we vary the prices we may change that to one ethereum or more in the future so if you were thinking about staking that is a little cool competition that we're running in partnership with SmartX.

25 % $200 7 .1 Percent 0 .02 Percent Three Percent 30 % 20 % 14 % $100 17 % 9 % Five People 10 % Today 80 Percent Crypto Banta $50 Both Parts 50

Unchained

16:34 min | 3 d ago

A highlight from The Chopping Block: Which DeFi Metrics Are Still Useful in a Bear Market? - Ep. 550

"Token economics can do way less than the industry on the whole has claimed that it's able to do and so for the most part I Sort of consider token economics to be a little bit of a dirty word today compared to how I saw it two years ago It's a tale of two fun. Now. Your losses are on someone else's balance generally speaking aircrafts are kind of pointless Anyways, I'm into trading firms who are very involved DeFi protocols are the antidote to this problem Hello everybody Welcome to the chopping block every couple weeks the four of us get together and give the industry insiders perspective on the crypto topics of the day So quick intros first we got Tom the DeFi Maven and master of beams Next we got Robert the crypto connoisseur and czar of superstate then we've got to ruin the giga brain and grand poobah at gauntlet And finally, I'm a seed that had high mana dragonfly So we're early stage investors in crypto But I want to caveat that nothing we say here is investment advice legal advice or even life advice Please see chopping blocks at XYZ for more disclosures Alright, so it's been a crazy couple weeks. There's been a lot of conferencing going on I think most of us minus Robert were at token 2049 in Asia I guess Tom and to ruin you guys are back in the States. There was also main net in New York What's been the vibe? Give me give me the brain dump of what conferencing has felt like in the last few weeks The u .s. Is dead as a doorknob for crypto It seemed like the u .s. Conferences had less attendance than they normally do amongst other things Whereas the Asia conferences were crazy like I just didn't think there were 12 ,000 people who wanted to go to a crypto conference in 2023 and clearly there was much more in Singapore Singapore was insane Yeah, I think token 2049 had more people than East Denver. Like it was it was pretty wild I mean it is like the premier event in Asia and it's sold out. Yeah It was gigantic venue, right? One of the I mean obviously if Denver was a very large venue as well, but it was it was it was absolutely massive Robert you were at permissionless. How did permissionless feel? I mean compared to prior years permissionless Felt, you know pretty quiet really high quality group of people, you know The conference goers that were showing up to a conference in Austin, Texas during a relatively hot week in September We're not totally like broad retail audiences. Most of people that were closer to industry closer to Happening in this space and a little bit more informed than you know, I've seen elsewhere so Small like token 2049 pulled a lot of people last -minute from permissionless I think a lot of people were planning to go and then decided like oh shit This seems like there's so much happening in Asia. I gotta I gotta go out there So I think the timing was a little unfortunate for permissionless, but there was a clip of Eric Voorhees Giving I guess what was like the keynote. It was pretty amazing. If you haven't seen it, I would strongly recommend watching it It's got like a couple million views or something and it's essentially just like a rallying cry Just sort of a credo of hey, you know screw the government Like we're trying to build a decentralized alternative financial system and it really kind of plucked to the heartstrings I don't know. Do you see that live? I did not see that live I actually had to take off right before that speech, but I was able to watch it online afterwards It reminded me a little bit of a his debate with SPF. I think like a year ago It was almost like it was like a month right before FTX collapsed and it was similarly kind of getting back to kind of the core Religion ethos of crypto is very we gotta get him on the show at some point He's definitely he's a very good bear market in a bull market I always feel like Eric is a little too centered and like too grounded bull markets They kind of demand a bit more craziness and levity but in a bear market I feel like he's got this gravity that is very clarifying You know, I really I really appreciate the role that he's come to play as like the elder statesman of the industry Any other takeaways from token 2049? I mean we were out in Asia for a couple weeks the videos have just started going up for token 2049 and I did one panel that I moderated with a bunch of l1s and It was actually probably the most entertaining panel I did I did I did several panels while I was out there But most of them were you know, they were great but this one we had it was Aptos we Avalanche and near all of whom were on stage and Goon who's been on the show a couple times Goon was just like he just basically was ready to pick a fight and so they just got on say they were scrapping they were like interrupting each other and getting super aggressive and It was honestly the most entertaining panel. I think I've ever moderated just from how angry everyone was on stage So any other any other highlights or anything that stood out to you guys while you were giving talks or or moderating? How about being on stage but I'll say there was a bit of a bizarro world moment with them token for 2049 too Where obviously a lot of high quality projects a lot of good representation throughout the industry and then there were a lot of random products I'd never heard of that had these like massive, you know Sort of neon lit up boots that they clearly spent a bunch of money on I believe Islamic coin was one of the large sponsors I am a not an Islamic coin expert, but there was another sort of meme floating around They're doing a public crowd sale for Islamic coin at reportedly a 30 billion dollar f .d .v I think it's like 60 million dollars raise a million dollars wait, so it's Yes, but they went on on Twitter to explain that this is a 100 year f .d .v And so in reality the the near -term f .d .v. They're nothing into is not near -term f .d .v So, um, you're the more than the near -term market cap I think we need we add we need to add some extra f .d .v Numbers in into coin gecko just so we can start the near -term f .d .v long -term f .d .v You know, I think an interesting thing related to this That's a tiny deviation but important to note is the history of finance Actually has had a lot of things where the introduction of a new met financial metric as a form of reporting Completely changes company structure like EBITDA, right? like why does EBITDA exists like earnings before income tax depreciation depreciation amortization and it's like Because it was this some company that was losing money and they started reporting EBITDA instead of like true profits But that kept them afloat for long enough to raise financing and then EBITDA now became like the accounting standard over time Right, so I kind of think that these f .d .v games We're gonna just see this like war of all these metrics and whichever metric is like the market wants will eventually be the standard and everyone Will just try to optimize that. Yeah, this is 100 % what happened to TVL Yeah TVL in principle makes sense as a number right, but how do you count TVL? Do you count your own token? Do you count wrap versions of your token if somebody wraps your token and puts it back in your protocol? Is that double the TVL like, you know? DeFi llama just decided how TVL gets counted and then the rest of the world just warped around the way that you know These metrics decided to get reported and you of course you saw that on Solana where like all these people were recursively Kind of putting TVL from one protocol back in another one back in another one Now I think we've gotten better at not double counting triple counting But you know back in in 2021 when DeFi was in full thrust It was just whatever goes like that's TVL the other chart crime that exists is that I really irks me is when people show cumulative charts instead of like instantaneous charts it I just like kills me I Will say as a VC let this be like a little one -on -one lesson as a VC. We absolutely hate cumulative charts We understand that cumulative charts look good So for those who don't understand a cumulative chart normally when you have a chart you look at look Here are the number of transactions every day, right? cumulative chart is here is the total number of Transaction volume ever if you add it all together and the nice thing about cumulative charts is that they look like they're going up Into the right always no matter what because they're adding, you know It's like the number of how many trades have been acting positive number. Yeah, exactly The problem is that it is useless to look at as a VC We as a VC and you look at a cumulative chart What I assume is that your actual chart looks like dogshit and that's why you're showing the accumulative chart So in general don't show cumulative chart. However, if it's a chart with multiple dimensions shown if it's a cumulative chart and a daily or time period flow Together then it's cool. Is it? You know, I'm already doing the first derivative Okay, let's say let's say you have a daily chart and it's like net inflows We're like some days are positive. Some days are negative. Some days are positive. Some days are negative You don't know the total you find that that's a net chart not a cumulative chart So if you're netting, you know gains and losses and you're getting like P &L or something like that We're net inflows and flows that's not a cumulative chart. That's very different because that does not go up into the right I agree. No, no, I think Then it's well Complimented with a cumulative on the other access behind it. I Net and cumulative are two different things. I did see it. I agree. That's just a U .M. We should have a chart crime episode The truest of VC true crime it was inflows prefer for friend tech, but they didn't take out the outflows So it was literally just any deposits in a friend tech added to the chart And so of course you assume you're gonna be looking at a net chart And in fact, it's any sort of deposit, you know adds to the overall chart, which is kind of a useless metric chart crime chart crime Any other any other chart crimes that come to my lungs are on the topic? I think these like feed accumulated ones where they're like people who are like trying to annualize I think people annualizing certain types of fee accrual and crypto sometimes makes no fucking sense because it's very event driven like oh Like there's a ton of fees from one event and then like zero forever But they always like choose the right time scale so that they can say like we have at least X of fees Like I understand how integrals and derivatives work and you're just trying to play with the boundary conditions Yeah, I mean I saw a lot of this in 2021 when a bunch of people like a bunch of businesses that had a bunch of random core businesses but almost all of them had tokens on the balance sheet and those tokens went up and they counted that as revenue and So they're just like, oh, you know, I had 50 million of revenue this year And if you charge that forward, you know another 50 next year and it's gonna ramp this much I'm like dude your core business made like 3 million and 50 million just came from tokens going up on your balance sheet. Like that's not your business, you know, so that I mean It's kind of charty. I don't know if it's a sharp crime per se but it's like EBITDA, right? Like I think crypto still is so nascent and the idea of like what should count and what shouldn't and what flows are it's still Kind of an open thing of like what the accounting should be, right? So I kind of think I'm kind of curious what EBITDA like the thing that becomes a like meme that sticks That's not TVL and that that's not just like fees What do you think you guys think it is because I do feel like this bear market My prediction is this bear market will end when we have invented what that is like the last bear market ended when TVL started becoming a metric and then people started monitoring it and like not gaming it as much and It was just kind of going up slowly. I feel like the Solana stuff came to even more where it was like, oh Here's the metric that everything's measured on So what if we come up with these crazy ways to like that's usually the end of a bubble, right? Like like once when it goes not the creation of a little baby That was like that was like the kickoff of the book I know I don't know but my point is like once you start getting kind of a shelling point around a particular metric It doesn't get gamed for a little while Like there's like a certain amount of time where it like it becomes a good real standard bearer But then someone eventually realizes that it's the thing to game and then you get this like kind of capital bubble around that So like AI you're having that happen with tokens per second right now Which is also a fucking useless meaningless thing because like the choice of architecture means the tokens aren't really the same There's not fungibility of them. Sure. I think it feels like right now There's a more and more fixation on revenue. And so you're seeing like, you know token terminal if you're looking at there's just revenue There's annualized revenue. There's price to sales price to earnings. So it does feel like we're sort of Morphing more closer to traditional revenue and underwriting metrics, which is a good sign However, these metrics aren't totally normalized in the sense that you know, for example for Uniswap Does Uniswap have revenue like obviously the token holders aren't capturing anything so the revenue is flowing entirely to You could say like cost of goods sold is like 100 % because all the revenue is going to the liquidity providers I would say, you know One of the biggest issues is that you have like protocols that are not businesses and people are trying to strap like business metrics or accounting metrics on them and they're just not like Ethereum Bitcoin like people are like, oh like, you know fees paid like is that revenue? No, it's not revenue, right? Like I don't think anyone thinks that like the transaction fees on Bitcoin or revenue. Are they on a theorem? No, but like I've seen platforms that like talk about That alongside something like Uniswap and it's like none of these really makes sense It's just like someone trying to build not to knock anyone particular company But someone trying to build a company about standardizing data is like, oh great Let's like standardize how we look at everything and I don't think it fits personally I don't think these protocols living on top of blockchains are necessarily businesses or need business metrics. I don't think it's that helpful I think like projects and For success like how many people are you know doing X Y & Z and like it won't always translate to the thing What do you think are metrics that should be adopted in lieu of? You know revenue or price of sales or whatever all the stuff that people are doing to try to account for You know particularly in defy I think for layer ones. It's a little more nebulous I think it comes down to exactly like what the protocol is, right? So like a great example is even taking two things that like seem like there's the same Let's say like Uniswap first like synthetics Well, both of them are for trading like, you know, one of them, you know is for trading spot tokens And one of them is more like derivatives, right? So like would you say like total notional traded like that might look crazy, you know to use that as comparison like I guess my point is like even two things that look the same are gonna be vastly different when you think about how you judge them or measure them and so All I'm trying to say is like, you know, let's slow down and not trying to come up with one size fits all metrics I don't think there is some like EBIT type But they will love defy broadly it trying and and when people get any shelling point on one of those That's when you see capital formation happen because it's like hey look there's this metric we can optimize it we see the growth curve right like growth implies you have a number or a set of numbers and a derivative like a gradient and The gradient can go up and you're like, yes or more money in it and I do feel like there's like a Psychological human behavior element to this and crypto somehow plays with that in a lot of ways and that that's some of its beauty Is that the fact that it kind of plays with these I think the revenue thing also is like a good I agree like it's really difficult to sort of compare across different types of companies, but generally it's a good heuristic for Understanding like product market fit and desirability just showing willingness to pay right like you can't fudge it because I'm literally burning money I'm spending money to use this this protocol saying something with like, you know net dollar retention at revenue retention overall It's like user retention Like yeah like it I think that's generally sort of a good heuristic because it's showing that if people are actually using these things consistently because they want to use it not because ideally you sort of you're tying out the I'm inclined to agree with this is that although it is an abuse of nomenclature I think you're better off thinking of protocols as products and thinking about like if you can just applying very kind of dumb Simplistic like yeah, they don't work perfectly, but they're way better than just like finger in the air What's TVL and kind of how do I feel like the vibes are trending for this particular protocol? I think it at the very least it keeps you honest if you look at the era Pre when people had concrete metrics that they were looking at like protocol revenue and things like that There were just a lot of things that had you know, take for example, then you have and you had 4chan economics Whatever was posted on 4chan was the truth totally totally and also like not looking at like net of emissions Looking at like willingness to pay net of emissions Like you just end up with this crazy town where it's like Oh, there's basically like a negative cycle where people are making money by using your product You're like, wow, I've parked my good fit There was basically an entire year where every hot product in crypto was that it was people it was being like wow Look how much adoption this is getting when it's really just people clicking a button that pays them every second to be very fair That is it's like it's so funny enterprise SAS bubble also had the same thing It was just the way the capital is distributed.

New York 50 Million Singapore 3 Million 2021 100 % 12 ,000 People Asia 2023 Austin, Texas Eric Two Years Ago This Year A Year Ago 100 Year Next Year Two Things Eric Voorhees Robert 60 Million Dollars

The Dan Bongino Show

01:52 min | 4 d ago

Prediction: Dems Will Stop Calling for Removal of Sen. Menendez

"But enough about that there's because a lot to talk about today so of course right before we got on the air the news broke through you you know sadly not that surprising I think everybody expected it maybe not today but Senator Dianne Einstein who was 90 years old passed I've read it appears have been last night of course a Democrat senator from California so she was 90 and she was obviously struggling with her health so I woke up before the show and that kind of throws the Democrats a little bit of disarray you know I mean let the funeral and everything happen but it doesn't there's politics you just can't avoid you know the Democrats are now down to what a 50 Menendez 49 split is in trouble senator Menendez a Democrat from New Jersey obviously is looking at it a bunch of serious criminal charges right now I'm I'm gonna make a prediction and I'm gonna dispel one too I'll call it the gym prediction the Jim Verde predict cuz I don't I think it's crazy but if you're free to throw it out throw it out there I'm gonna make a prediction that all the calls now for Menendez to step down you can flag this right now they're gonna all stop because now if he steps down now they're down an additional senator and now it's 49 49 now granted Gavin Newsom is gonna of course appoint a Democrat it's not gonna be that long but you watch you think I'm messing with you they're all of these calls from Menendez to step aside are all gonna mysteriously go away why because it's never about principle or with the Democrats it's it's about power they did they wanted Menendez to step aside because of these corruption allegations why because the New Jersey off -cycle elections are coming up and they didn't want Menendez's name near anywhere the

Gavin Newsom California Dianne Einstein Jim Verde New Jersey 90 Senator Today Menendez 90 Years Old Last Night 49 Democrats 50 Democrat

Thinking Crypto News & Interviews

06:51 min | 4 d ago

A highlight from Congressman Warren Davidson Interview - Crypto Regulations, SEC Gary Gensler Hearing & Subpoena, Bill Hinman Ethereum, CBDCs

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