40 Burst results for "200 M"

Guest Host Rich Zeoli on the COP28 Climate Summit in Dubai

Mark Levin

02:15 min | 12 hrs ago

Guest Host Rich Zeoli on the COP28 Climate Summit in Dubai

"To Dubai. It's like the entire thing. We'll host you. We'll we'll take all the money. We'll go on about how we'll get we'll serve paper straws like I'm sure they're gonna have paper straws. probably And they won't know bags or anything like that. They'll show all their fleets of green vehicles, battery powered vehicles, which don't tell anybody will have to be charged and the electric grid there's will be run by oil but don't tell them just zip it and they'll do all those things will have recycled cocktail napkins for all the fancy drinks from all the fancy people who fly to the climate climate conference tomorrow on private jets and yachts and get chauffeured around in private cars like a lot of cars a lot of big SUVs you got to look like a baller you these things don't want to show up and really get out of a Prius you want to look like a baller so there's going to be a lot of emissions spewed during the climate change conference obviously and look you could make an argument could we not just do this over zoom i mean do all these people have travel to to dubai to talk about how to save the world from climate change couldn't they just i don't know log on their computer but that's beside the point these are superheroes you see these are people going to the to dubai to tell us how to live and i'm so excited for their recommendations aren't you i can't wait to tell us the latest bug recipes they come up with maybe we can do when i was a kid i loved the chocolate grasshoppers they were cookies but maybe it'll be real grasshoppers with chocolate on them i think that might be a recommendation from the climate change summit also they can come up with more things like how to make mosquitoes engineered to bite us so that we become tolerant to meat as they tell us to stop eating meat oh it's going to be a lot of fun the biggest hypocrites on the planet gathering in an oil -rich nation with eyes on more petroleum to tell us how to live our lives in the name of destroying under capitalism this phony climate change propaganda nonsense it's been an honor to fill in for the great mark one within follow me on twitter at rich zeoli and i will be back very very soon with i hope you good night greg kelly here get a 200 discount on your new york state concealed carry course when you

Dubai New York Tomorrow Greg Kelly Prius 200 Discount Climate Change Conference Climate Climate Conference Climate Change Summit Twitter Lot Of Emissions Rich Zeoli
Fresh update on "200 m" discussed on Bloomberg Daybreak

Bloomberg Daybreak

00:10 min | 2 hrs ago

Fresh update on "200 m" discussed on Bloomberg Daybreak

"Yes, I think the most salient reservation expressed by members is he has not been convicted of anything. Now, the criticisms of him from Michael Guest, the chair of the Ethics Committee, were a major step forward toward having another expulsion vote. There certainly could be a lot of votes to expel, but if you're trying to figure out if there are two -thirds in favor of expelling him, the drawback one for that is he has not yet been convicted of a crime and is that a point of hesitance for someone like the Speaker. Let's talk about the spending fights that are really still underway and more to come maybe into after the year. new What's the latest on that, Jack? Well, the Freedom Caucus has softened its demands a bit. There was such chaos as the House tried to vote on own its appropriations bills with 5 of the 12 failing either in failed votes or they pulled the votes on a few of them before actually holding the vote. And a large reason for that was the Freedom Caucus and the hardline conservative wing was pushing for about $20 billion in cuts below the level outlined in the summer's debt limit deal, which was to supposed be a bipartisan agreement on how much they were going to spend. The chair of the Freedom Caucus, Scott said yesterday. They realize those additional cuts are not going to happen. So it does appear any sense. I think where a little of the money money they have to spend the $1 .59 trillion agreement on in spending discretionary seems like it's the go -to. And if everybody can agree to stick to that, that would make it much more easy to strike an actual funding deal by the deadlines on January 19 and February 2. All right. Well, we'll see how that goes as we get closer to those deadlines. Thanks, Jack. As always, Jack Patrick of Bloomberg Government covering Congress for us in the nation's capital. Read much more on Bloomberg .com or on the Bloomberg Terminal and get more Bloomberg on your dashboard. The new Bloomberg Business app with Apple CarPlay and Android Auto. Downloaded from the Apple App Store or Google Play. Presented by our sponsor, Interactive Brokers futures moving higher this morning. This is Bloomberg. Get the news you need. Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 %. Rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds and bonds on 150 global markets. Great subject to change. Learn more at ibkr .com slash Bloomberg .com. The story. You get the story behind the story. How your EVs battery may not be as green as it seems. Why a decrease in global of

Hamas Releases Some Hostages, But No Americans

Mark Levin

02:26 min | 5 d ago

Hamas Releases Some Hostages, But No Americans

"Well protesters shouting free Palestine as Joe Biden walks through Nantucket Massachusetts after saying he doesn't have any clue when the American hostages may be coming home Biden also saying this about Hamas earlier as he got irritated in Nantucket at his press conference listen since trip to my Israel last month I've been focused on accelerating the delivery of humanitarian assistance to Gaza in coordination with the United Nations and the Red Cross I just spoke with my special envoy for the Middle East humanitarian issues David Satterfield for an update and I've asked him to monitor our progress hour by hour and keep me personally informed from the beginning we put in place mechanisms to prevent Hamas from diverting these supplies and we're continuing that effort to make sure aid gets to the people who need it more than 200 trucks arrived at the crossing point in Egypt into Gaza today these trucks carry food and medicine as well as fuel and cooking gas the fuel will be used not only to power the trucks delivering this life -saving supplies but for desalinization for water wells for hospitals and for bakeries and hundreds more trucks are getting in position as well ready to enter Gaza over the coming days to support the innocent Palestinians who are suffering greatly because of this war that Hamas has unleashed. Hamas doesn't give a damn about them doesn't give a damn about Let's get to your phone calls and see what you think about this the number 1877 38 11 1 8 7 7 3 8 1 38 11 get some of your reaction to the president's word words they're saying quote Hamas doesn't give a damn about the Palestinian people I agree on with him that he also said over the next few days we expect dozens of hostages will be returned to their families now that also is good news the problem is we don't know anything about Americans at this point that is very frustrating Biden also saying this a when asked question listen mr. president you said you were hoping to get cooperation from Eric leaders what are you hearing from them when

David Satterfield Biden Joe Biden United Nations Egypt Last Month Red Cross 1877 38 11 1 8 7 7 3 8 1 38 11 More Than 200 Trucks Israel Hamas Dozens Of Hostages Today Nantucket Eric Palestinian American Gaza Hundreds More Trucks Middle East
Fresh update on "200 m" discussed on Bloomberg Law

Bloomberg Law

00:00 min | 11 hrs ago

Fresh update on "200 m" discussed on Bloomberg Law

"You're imagining the future now you're creating this vivid picture of what the future looks like and to the extent that you're really certain what that's saying to me is you're risking being delusional both if you're certain it's going to be unicorns and rainbows or if it's going to be the in the depths of hell. So when you're making an investment decision it's okay to plan and for the future that you imagine but you need to be prepared for the future that you can't imagine but to appreciate that you're making a decision in an environment confidence. Hear the full conversation on the latest edition of the Masters in Business podcast. Subscribe on Apple, Spotify, and anywhere else you get your podcasts. Plus listen anytime on the Bloomberg dot com. The big take. Interactive brokers charges USD margin loan rates from 5 .83 percent to 6 .83 percent. Rated the lowest margin fees by stockbrokers com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Great subject to change. Learn more at iHeart .com slash compare. Download the DraftKings Sportsbook app now and use code IHARD. New customers can bet $5 on the NFL Thanksgiving action to score 150 instantly in bonus bets. Only on DraftKings Sportsbook

Mike Agugliaro: To Scale a Business You Have to Scale YOURSELF

The Greg McAfee Show

03:57 min | 2 weeks ago

Mike Agugliaro: To Scale a Business You Have to Scale YOURSELF

"So what would you, what do we tell the company that the business owner who's been doing, you know, somewhere between two and four million and he's capped out and he's burned out and he's not charging enough. What kind of advice do you understand it? He's good at what he does, but he doesn't understand a lot of the business side. What kind of advice do you give that guy? Well, I mean, the first thing everybody should write down, that's listening to this to, to scale anything, you have to scale yourself. And I think people don't spend enough time investing in improving themselves. They, they carry these belief systems that they've been programmed with. Like my dad, you know, he, he told me when I was a kid, he programmed me with money doesn't grow on trees. And after I was doing about 20 million in business and just anybody listening, I went from under a million to 32 million in less than 10 years. So I had 165 service trucks on the road all over New Jersey. You know, we, we did 40 ,000 customers a month. So we did a fair amount of customers, 200 employees, double digit profit. And what's that? What year? That was 2017. And I sold it in 2017, which feels like yesterday to me, I sold it for a sign my name and walk away deal at one of the highest multiples, not compared to what's happened through this last roll up, but one of the highest multiples, I was like the cat's meow, you know, and my dad, I went to him and I said, dad, you were right about one thing and wrong about another. And of course, my dad's a big Italian guy. He wants to know what he did wrong, right? I said, first, you told me money doesn't grow on trees. I said, but if I had lemon trees and apple trees, I could pick that and sell it for money. And he said something to me that changed my life forever. He said, you know what, son, I only told you what my dad told me. And in his dad told him, I started to question myself, how many people struggling in business in the world today for whatever they want to do, because they keep following beliefs that might have some value, but may not have what you need today. So then, of course, Greg, you're probably wondering, my dad's like, oh, well, at least what did I tell you that that was true? I said, well, you told me you didn't own the utility company, shut the damn lights off. And I said, you were right. You still don't own you still don't own the utility company. And then I became just like my dad, my kids, my whole life telling them shut the lights off, right? I don't own the utility company. So I think that's part about business owners today is to sit there and say, hang on, maybe I don't know. The next one, I'd say probably number three here is I am such a believer in coaching. Not because we do forms of coaching. I've had seven coaches is the most I had at one time. I had spiritual coach, relationship coach, marketing coach, business scaling coach. I have seven. I am a big believer that you're investing in solving your most immediate problem. And you probably heard this phrase. Everybody heard it like success leaves clues. But like who has time to be like when my daughter was little, she used to watch Dora the Explorer for anybody that knows that like who has time in life, Greg, to go run around and play Dora the Explorer and look for a clue. I want someone to give me the clue right now and say, look, here's what I want you to consider. If you do this and this, you're probably going to get that. And we've proved that over time. So those three, those couple things there can change everything for everyone.

Greg New Jersey 2017 40 ,000 Customers Seven 165 Service Trucks 200 Employees Less Than 10 Years Dora The Explorer Yesterday Today About 20 Million Under A Million Seven Coaches 32 Million First One Time Couple First Thing Four Million
Fresh update on "200 m" discussed on News, Traffic and Weather

News, Traffic and Weather

00:08 min | 11 hrs ago

Fresh update on "200 m" discussed on News, Traffic and Weather

"97 7 your you're formation station listening to northwest news radio here's kim shepard the ceasefire is holding in gaza as hamas continues its daily hostage releases and israel continues to send palestinian prisoners home but the peace could be broken at any moment if those exchanges come to an end abc's jordana miller is joining us on the northwest news line so is there any chance that we could see another extension to the ceasefire well we are hearing there's a very very very good chance they will in agree fact qatar and egypt have already said the main outlines have been agreed on and israel essentially though there won't be some major announcement uh they've said if they get a list with 10 israeli names on it more women and children to be released they will automatically extend ceasefire the which would end otherwise at 7 am thursday morning but if if they get a list they'll extend it and they'll do that again for another day remember the original agreement had had a five -day extension built in we've already done two so israel would be willing to do another two or three now beyond that i think uh that's a decision that israel has not taken yet that is likely under discussion what would it take to get out for example some of the israeli men who are in captivity this deal only included the release of girls and boys under the age of 19 and mothers their mothers and then you know any senior citizens that were women and what about the hostages who are still being held in gaza we talked about the red cross possibly checking on their conditions do you know if that has happened or if there's a plan for that well everyone's calling for that the israelis the united states world leaders but it seems highly unlikely the red cross is going to get any kind of access to visit the hostages who are being held by hamas and their allies and they are not interested in giving away any of their locations or dealing with any of the criticism of what would be probably the very subpar conditions i mean all the hostages most of them have come out in decent condition except for one senior citizen in her 80s she's and she's improving but she came in you know hanging in the balance for couple a days but they've all come out malnourished they all have lost a lot of weight they in the sun a lot obviously especially those that were in tunnels they had a lot of skin they weren't allowed to shower i mean if the red cross had access to any of these it would only out badly come for hamas so they're not going to allow it i don't think and how about the aid going went into gaza has that continued to flow it has and you know it's about 200 trucks a day trucks of fuel and cooking gas and it is all good news is it enough no it's not i mean before the war gaza got about three to four hundred trucks of aid a day remember about two -thirds of gazans depend in one way or another on some kind of handout from the UN and that's in times of peace so here we are a war you have 1 .6 million gazans displaced there are thousands of people in the streets there's some just crowded into other UN shelters or parts of buildings and the needs now are so much greater that 200 trucks just you know it doesn't doesn't cut it but it is better than during the war when there were maybe 50 trucks getting in abc's jordana miller on the northwest news line from jerusalem that's northwest news news kim shepherd meanwhile a u .s military aircraft has crashed in the pacific ocean off the coast of japan killing at least one person on board it was an osprey that went down that is the aircraft that has a tilt rotor so it can fly like a fixed wing airplane or land vertically like a helicopter this osprey went went down in broad daylight on a clear day near a small japanese island in southwestern and japan's defense minister saying there were reports of an engine on fire before the aircraft craft made what they called an emergency water landing the osprey has a troubled past in just three marines were killed in an osprey crash during an exercise in australia and last year nine nine marines were killed in ospreys five in a training mission in california and four others in during nato exercises clearly something that the military will be taking a much closer look at after this overnight crash that's abc's martha raditz reporting your stock charts dot com money updates on news radio 1000 fm 9077 we check your money news 20 and 50 past each hour here's jim chesco the stock market failed to hold earlier modest gains finishing wednesday session narrowly mixed the dow jones industrials edged up thirteen points but both the s &p 500 and nasdaq closet fell slightly that's your money now i'm jim chesco northwest news radio you may have heard of the nfl's my cause my cleats campaign so what are the seahawks doing bill swartz has that after traffic and weather next stay with the team that more people trust for fast fair and accurate news coverage connected stay informed news radio 1000 fm 9077

The Difference Between a Financial Cost and an Economic Cost

The Dan Bongino Show

03:26 min | 2 weeks ago

The Difference Between a Financial Cost and an Economic Cost

"Dispensation here it matters for this segment I'm fascinated by economics because it marries the two things I love business and psychology and I did both an MBA and a graduate degree in psychology and economics is kind of a symbiote of those two those two things why do people try to rationally maximize their own life and make the economic decisions they do it's fascinating me then people call it the dismal science it's not dismal at all I find it to be the most fascinating one and what I really find fascinating about economics is how easy it is and how overcomplicated even some Republicans tend to make it overcomplicated there is a there's a thing in economics and it's very simple to understand if you understand this you'll understand ninety percent of economics it's called an opportunity cost there is a difference between a financial cost and an economic cost they're not the same thing I'll give you a quick example it's going to apply to what just happened up in New York how liberals how when it gets bad enough is when economics kicks them in the junk and it hasn't yet but it's starting up in New York there's a difference between a financial cost and an economic cost if my wife Paula a who is very talented database web developer she can make a lot of money hundreds of dollars an hour designing websites she doesn't anymore she manages my business but she used to if my wife were to forfeit that career and go out and say become a barista nothing wrong with that value and work I'm not knocking anyone but the pace far less correct say the pace $20 an hour financially my wife is better off right if she works two hours she made $40 she's not economically better off though those are not the same thing a financial your financial situation in the economic one are not the same thing economically she's worse off because if she can charge 200 an hour and to she make chooses coffee for $20 an hour she's actually losing economically $180 an hour that's called an opportunity cost the cost of a foregone opportunity liberals do not understand this at all or they pretend not to the communists just don't care about but the useful idiots genuinely don't understand that Eric Adams is just a useful idiot he's just dumb if you are going to tax New York City residents to death you need to understand they are some of the highest tax residents of any municipality in the country if you live in New York City people at the upper end of the income scale in New York City are paying upwards fifty of percent of their income forty to fifty to the government for almost nothing in return for streets dirty drugs that being just garbage everywhere you're paying for nothing they're paying up to fifty percent of their income and the Liberals are living under this illusion that you can continue to take money to people and just dole it out to union benefits police department's fire department sanitation department's social welfare programs SNAP programs illegal immigrants public shelters beautification projects community empowerment you understand they don't understand the concept of an opportunity cost that when you give money to illegal migrants in New York City it has to come from a another opportunity

Eric Adams $40 New York Paula Two Hours Ninety Percent New York City TWO Two Things Both Fifty Fifty Of Percent 200 An Hour Forty $180 An Hour Up To Fifty Percent Hundreds Of Dollars An Hour $20 An Hour Fire Department Sanitation Dep Lot Of Money
Fresh update on "200 m" discussed on Bloomberg Daybreak Asia

Bloomberg Daybreak Asia

00:04 sec | 11 hrs ago

Fresh update on "200 m" discussed on Bloomberg Daybreak Asia

"History with the cold war the vietnam war uh his role in opening up china there was a the major pivot while he was in power i think people associate those changes with him yeah john thank you john lew bloomberg executive editor uh in beijing with us live here on the program ten minutes before the top of the hour again kissinger passes away at the age of 100 this is boomer interactive brokers charges usd margin loan rates from 5 .83 to 6 .83 rated the lowest margin fees by stockbrokers .com their clients can also earn extra income by lending their fully paid shares of stock join interactive brokers clients from 200 plus countries and territories to invest in options stocks futures funds and bonds on 150 global markets rate subject to change learn more at ibkr .com compare

Monitor Show 15:00 11-14-2023 15:00

Bloomberg Radio New York - Recording Feed

01:54 min | 2 weeks ago

Monitor Show 15:00 11-14-2023 15:00

"I don't like you, because you can prescribe yourself. Oh, wait a minute. They're going to get up again. Hold the mic. You have time. This is what the American people are seeing today instead of an effort to fund the government, which apparently also will happen before this day is over. Yeah, about an hour and a half, Joe. 420. Is there another one? There was a third one, right? That's the vote. Yeah. We'll talk about it on Balance of Power later. Meet Kayleigh and I, Balance of Power, Bloomberg TV, five o 'clock, because Bloomberg Business Week starts right now. Broadcasting 24 hours a day at Bloomberg .com and the Bloomberg Business Act, this is Bloomberg Radio. This is Bloomberg Business Week, insight from the reporters and editors who bring you America's most trusted business magazine, plus global business finance and tech news as it happens. Bloomberg Business Week with Karol Masur and Tim Stenebeck on Bloomberg Radio. And a very good afternoon, everybody, live from the Bloomberg Interactive Brokers Studio on YouTube and Bloomberg Originals, Karol Masur, Tim Stenebeck, Tuesday, November 14th. Everything is totally awesome. Yeah. I mean, as long as CPI comes in just a tenth of a percentage point below what analysts had expected, Karol. But everybody was expecting another maybe, you know. Then it's all good. I know. It's all good. Hey, listen, check it out. I mean, S &P 500 rally on track for its tenth day to close above its 200 -day moving average markets and a Fed that could be possibly, maybe, let's ask, Alice in Wonderland could be done. I don't know. But it's top of mind this Tuesday. We're going to get into the trade in just a moment. One thing, though, Tim, worrying global investors or has certainly been on the minds of U .S. investors, maybe everybody, is U .S. bonds and the U .S. fiscal house specifically. So on that, we are expecting a U .S. house vote on a temporary funding plan later today. Folks, we're not done yet.

Tim Stenebeck Karol Masur Tuesday, November 14Th TIM Karol Tenth Day Bloomberg Business Act JOE 200 -Day Today Bloomberg Interactive Brokers 24 Hours A Day Kayleigh Tenth Third One Bloomberg Radio One Thing Youtube Bloomberg Tv America
Fresh update on "200 m" discussed on Bloomberg Daybreak Asia

Bloomberg Daybreak Asia

00:09 min | 12 hrs ago

Fresh update on "200 m" discussed on Bloomberg Daybreak Asia

"Ahead of tougher regulations. So that's another factor that's really affecting the loan dynamic in terms of supply and demand. One of the things I learned during this turmoil in the regional banks earlier this year was there's a lot of regional banks out there. Is the expectation that maybe this industry can consolidate a little bit. And so what would be a catalyst. Yeah I think that's something that a lot of folks are thinking about. Maybe not in the near term but over the longer term horizon maybe two three four five years. We talked earlier about profitability being squeezed by regulation. And so one way to sort of create some scale and deal with the regulatory issues is to To partner up and some banks have talked about that. That there are certain thresholds if you get near a hundred billion dollar assets then maybe it makes sense to clear that tougher regulatory threshold by a wider margin than just growing through that level organically. Hear the full conversation on the latest edition of that. intelligence podcast subscribe on apple spotify and anywhere else you get your Plus podcasts listen anytime on the Bloomberg Business App and Bloomberg .com Interactive brokers charges USD margin loan rates from 5 .83 percent to 6 .83 percent. Rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join interactive brokers clients from 200 plus countries and territories to invest in stocks options futures funds and bonds on 150 global markets rate subject to change learn more at ibkr .com slash compare our website at ibkr .com. financial

A highlight from Bitcoin Bull Market & Beginner Q&A with Tone Vays, D++, and Ant - November 14th, 2023

The Café Bitcoin Podcast

12:38 min | 2 weeks ago

A highlight from Bitcoin Bull Market & Beginner Q&A with Tone Vays, D++, and Ant - November 14th, 2023

"Hello, and welcome to the Cafe Bitcoin Podcast brought to you by Swan Bitcoin, the best way to buy and learn about Bitcoin. I'm your host, Alex Dancic, and we're excited to announce that we're bringing the Cafe Bitcoin conversation from Twitter Spaces to you on this show, the Cafe Bitcoin Podcast, Monday through Friday every week. Join us as we speak to guests like Michael Saylor, Lynn Alden, Corey Clifston, Greg Foss, Tomer Strohleit, and many others in the Bitcoin space. Also be sure to hit that subscribe button. Make sure you get notifications when we launch a new episode. You can join us live on Twitter Spaces Monday through Friday, starting at 7 a .m. Pacific and 10 a .m. Eastern every morning to become part of the conversation yourself. Thanks again. We look forward to bringing you the best Bitcoin content daily here on the Cafe Bitcoin Podcast. Good morning. What is up, you Cafe Bitcoiners? What up? Hey, Alex, can you hear me? Yeah, man. Damn, the service is amazing. It's fantastic. I was going to have you co -host today, but if you have terrible interwebs, then we'll have to do it again a different time. Yeah, I'm sitting solid right now, but it's my last day in El Salvador, so it's touch and go, but it feels good right now. It feels real good. I people hear laughing and enjoying themselves in the background. Man. Yeah, that's Blake just got out of the surf, and now the homie Paul's taking my fish out, got a session in. I mean, this place is next level, but don't come here, the surf sucks. How you been, man? How's everyone doing? I know I've been off for a little bit, but keeping track of everything and saw that the SEC got dealt another, what looks like a little legal blow. Their legal department is, are they even batting 500 at this point? I don't know. I didn't hear anything. What are you talking about there? I thought I read some about Binance getting granted a confidentiality ruling that basically blocked a bunch of information from the grasp of the SEC for clients. I don't know. I just headlined Reddit, so don't quote me. Didn't dig a lot into it, but saw that that had occurred. Yeah, I didn't hear that. It would suck to be Gary Gunzler right now. Yeah, dude. They're sporting like city attorney type numbers, just getting mopped up, but I don't know. What do you mean? I'm sure he's gotten a job offer for BlackRock. He's sitting pretty. Oh, that's a good point, actually. Anybody want to take odds on Peter's thought there? I think Peter's probably right. I would say the likelihood of that is probably fairly high. That's a hell of a trifecta there. You should take that with Joe Carlos, sorry, Peter, like a ETF still within 2023 on top of a BlackRock job acceptance from Gensler thing. It's got to be like a hundred to one. Yeah, the theta on that is pretty high right now, so no. Yeah, that's like Buster Douglas numbers. It's wild. You know, we were joking in here the other day. Joe came in and we were talking a little bit about the ETFs and Joe was like, I don't understand why we're not seeing an ETF where you can see the actual addresses for the ETF you can verify on chain and then you have redemption directly to shareholders from the trust. And I was joking. I was like, man, somebody is going to do it. We should do it. Me and you, Joe. Let's do this thing. So people were tweeting at me like, is Swan going to do an ETF now? And it's like, dude, I was totally freaking joking about that. That's classic. Where's American HODL this morning? He was caffeinated up on fire yesterday. Dude, he was cracking me up and that guy is funny as hell. I was trying to hack a coconut up in El Salvador and I almost chopped my pinky off. Mickey Koss, good morning, Shelly. Good morning, Terrence. Good morning. Good morning. Good morning. So we're going to have a pretty chill day today. We're going to be doing some beginners Q &A. We have a couple of news items to discuss. There's a lot of Bitcoin mining rigs getting plugged in apparently. Also, we're going to revisit. It's fun to, you know, the Internet's an amazing thing. You can come back and revisit stupid shit people said about Bitcoin. You know, Bitcoin is dying. This is dying. That's dying. Bitcoin is going to boil the oceans, all that. There's some interesting comments from Dave Ramsey that we're going to bring back up. Apparently, the central bank over in England wants all systemically important stablecoin firms to back their issuance with non -interest bearing central bank deposits. I mean, that's like a full on lizard move, in my opinion. We'll discuss that a little more too. But yeah. All right. Let's do the intro to the show. You're listening to Cafe Bitcoin. Welcome to Cafe Bitcoin. This is episode 476. Shout -outs to supporters on Fountain Nosterness. Our mission for the show is to provide signal in a sea of noise, teaching the other seven billion people on this planet why there is hope because of this bright orange future that we call Bitcoin. Today is November the 14th, Tuesday, 2023. Man, we're on our way to the next halving. It's coming up. Where's Ant when I need him? Here he comes. Yeah, man. I think, Ant, I'm going to just like lead off right with you if you're ready. I don't know if you can hear me right now, but we should start with some stats. Let's get some orientation. We haven't done stats in a long time. So let's begin with the stats and get an idea of where we are. Ant, are you there? Are you ready? Yeah, I got some stats. I got time chain stats up right here. Let's go. Taco, talk to us about this impenetrable freedom force field. What's it at? Current USD price, $36 ,587. We are at block height, $816 ,745. Current hash rate, seven -day moving average is around 435 exahash per second. Let's see, mempool transaction is still full a little bit. We got $211 ,000 climbing. The fastest fee right now is around 79 sats per v -byte. Good news, we got 161 days about to the halving, and we are currently up 25 % on the 200 -day And right now, let's see, sats per fiat dollar, is that how you say it? It's 2 ,732 sats per dollar right now. The last block was found by Antpool, and the total subsidy and fees was just over 7 Bitcoin. And I think it was around 10 % of that block was fees, so very interesting. We're 88 % into the halving. $23 ,254, we just hit a block. Block's left. And that's pretty much it for now. I think that's it. Sats per dollar. You can buy 2 ,734 sats per dollar. I didn't hear you if you said that, so I'm just saying it. That's okay, it moved. Technically two different data points. And we have also, there is also 93 .05 % of the total supply of Bitcoin that will ever be mined in the history of mankind has already been mined and distributed. So you might want to get some just in case this thing catches on a little bit. Hey, Ant, if you're in a stable situation, let's get you up as a co -host, my man. Okay, I'm going to switch networks. Okay, you let us know when you're ready. D++, good morning. Thank you for joining us. I know it's super early for you over there on the West Coast. Good morning. I have a huge smile on my face because I'm actually driving over to Club Lab here in Austin, and I feel like I just got the weather report. I felt like I was experiencing the future in real time for a minute there, hearing all of the stats on what Bitcoin's up to. I want that every morning. It's so good. Isn't it cool? You know, to me, it's like an orientation thing. It's useful to know where you are to figure out where you're going. You have to know where you are to figure out where you're going or how you're going to get to where you're going. But it's also really useful because when I started hearing stats like this when I was a newbie Bitcoiner, I didn't know what they meant. I was like, you guys are saying all these words that I don't know the meaning to. And it caused me to look them up, which forced me to learn about it, which was awesome. Also, 435 ExaHash is crazy. Last I checked, it was 420. And it's just so crazy to me how the hash has completely decoupled from the price. I mean, going on for probably a couple of years now, ever since we left China, it's just wild. But the big news for me today is I am driving to PlubLab. As you guys know, it's the Bitcoin startup accelerator and community accelerator in Austin. You have to come through if you're ever in town. And what I'm so excited about is I am enrolled in Nifty Lisa Nye's Taproot class. So I'm taking her Taproot class. She's pretty much one of the only people on the planet that can teach it because what we're doing is we're taking the spec, which is to say the BIPs, and we're implementing them, which is to say we're creating our own library that makes Taproot happen. And she's one of the only people that can really do this because she's one of the only people who can translate from the BIPs into the code because there are certain things that are kind of missing or glossed over. Obviously, it's all in there, right? But it's pretty hard to take the BIP and to just translate it into creating your own Bitcoin library. So it's so fun. It's very challenging. Definitely, this class is for experts only. But if you ever wanted to learn how Taproot works, I highly recommend taking her base 58 class.

Dave Ramsey Tomer Strohleit Greg Foss Gary Gunzler JOE Alex Dancic Lynn Alden Corey Clifston Shelly Alex 93 .05 % $211 ,000 Joe Carlos Michael Saylor Peter Terrence El Salvador $36 ,587 Antpool $816 ,745
What Inspired Ciara Lynch to Transition From Marketer to Dairy Farmer?

Recipes for Success

03:51 min | 2 weeks ago

What Inspired Ciara Lynch to Transition From Marketer to Dairy Farmer?

"So learning a little bit about your background Ciara I know that about four years ago now you've made that career transition away from being like I said in marketing in corporate this big kind of glamorous high -flying life you were in client services and you know even traveling globally for work and then you transitioned into being a full -time dairy farmer and I suppose I just love like it's not a pivot I suppose that a lot of people maybe make so I just love to understand what were some of the influences that led you to make that change. I suppose there's there's I suppose multiple influences the first the most important one is my husband is a dairy farmer I suppose I would see him in the mornings kicking up his heels and kind of jumping across the hedge to go to work while I sat on the m50 for the back part of you know an hour an hour and a half each way I was like there has to be an easier way to do this life and I suppose I just kind of got quite frustrated you know you're you spend eight nine ten sometimes twelve hours a day outside of the house that you're working to pay for I think this is just this is madness so there's a bit of that going on there you know see something else and then I suppose the level of the career that I was at I wasn't sure if I could find something like that closer to home but up and down the m50 it seems fine when you're it's all easy when you're in your 20s but kind of the older you get there's more slides than this but yeah I suppose my husband I just loved his whole attitude to life he loved work he always felt kind of never felt like work and then the other side of the thing is I just started to burn out I was exhausted even listening back to your your very act of my career I am I loved it I absolutely loved it until I just didn't love it anymore I was just knackered all the time I worked for an amazing and amazing company they were a husband and wife team I learned so so much from them and it was it was probably one of the hardest decisions I've ever had to make was supposed to leave that job because you know we were really good friends as well as you know really good colleagues and I just said I can't take this anymore I was I said there was actually at one point I had stayed with my parents one night and my dad was traveling to Galway that next morning and we both left you know her house at the same time and my home house and my dad got to go away before I got to you know exit 13 and 15 like this this is insane like this is insane absolutely so yeah so I suppose between the kind of the exhaustion and then you know is there another way that we could do this and I just said okay let's let's go for it let's jump into it you know what would that look like what was how would we go about it and I suppose the influence on that then as those kind of another units came up you know there wasn't a gun to be able you know you can't just kick your fingers and go I'd like a job in your dairy farm please so a second unit a second dairy farm came up for us that we could leave and we sat down and we talked about it and we looked at us and actually a really interesting thing to do is if you look at what it actually costs you to get to work so we well he ran the numbers on it he's the numbers guy and it would be realized it was costing 10 grand a year just to get to the office so that was including you know diesel and diesel was a lot cheaper back then so that was like diesel like depreciation tax like my tolls used to be kind of 150 200 so like it's really really interesting actually just when you sit down you look at it going okay well hang on if you think you know a wage cut somewhere you know where do you really really be saving yeah it's a really really interesting exercise to do for anybody who's trying to you know write out that pros and cons list about will I make the change so for that that was a huge one for me like that is absolutely it's like that's you know you're cutting time off your salary the agency they're looking at how it actually you're you're getting to work

Ciara Galway 20S Second Unit One Night First Twelve Hours A Day 10 Grand A Year An Hour An Hour And A Half Both Next Morning Each Way Eight Nine Ten One Point About Four Years Ago Second Dairy Farm Exit 13 ONE 200 15
A highlight from Is Solana The Next Ethereum Killer

The Bitboy Crypto Podcast

08:39 min | 2 weeks ago

A highlight from Is Solana The Next Ethereum Killer

"Can a Solana overtake Ethereum? We're seeing a lot of metrics that have a lot of people, their heads are spinning. They're surprised. They don't know what's happening. They don't know why Solana keeps continuing to pump, or we're seeing a lot of positive numbers. We're seeing active users skyrocketing. And also we're getting listed on Perpetual's futures on a very major exchange. You're going to want to check this out. This is Discover Crypto. Thank you for joining everybody. Welcome back, Rodney. We're talking about some altcoins. And now we're not going to talk about ranked 8 ,000 meme coins. Is that okay? We're talking about Solana. I guess we could talk about... Everybody's talking about Grok, I thought. That's right. Grok. Well, yeah. It was like, what? Maybe a top 200 at this point. Hit $186 million market cap. I just saw Kyle Chasse tweet, or Chasse tweet. He's like, I bought the top. Ah. You know, so it happened. As they do. Did you get in on Grok, Rodney? I did not get in on Grok. I faded Grok at 20 million. Sorry. Excuse me for not buying a meme coin. You know. It went up to 150, right? So you missed out on about a seven and a half X. It's still sending, yeah. All right. So you're only missing out on a 10X so far. So far, it's a 10X. But Rodney, you just got in last night, correct? Yes, sir. Yeah. How was that? How was it flying into the Atlanta airport? I heard it's... My fiance, she has Follow Atlanta now, and they're shutting down the whole airport. Apparently, it's like, you know, entire hallways are like two foot wide. What was your experience? Well, I actually drove here from Charlottesville, Virginia, so it was an eight hour drive, but very nice. Got to listen to Joe Rogge on the way here. Some of my favorite cryptocurrency channels. Okay. Yeah. All right. Well, speaking of cryptocurrency, let's just get right into the stories here, folks. We are going to talk about Solana in a bit, but first, let's look at the crypto market. We have Bitcoin down about 1%. Let me go ahead and hit refresh just in case we're getting a little bit fresher. All right. Bitcoin down 1%. But Ethereum is up about 2 % right now, XRP down 2 .5%. Solana is cooling off, folks. Solana is almost down to 5 % along with Cardano, but both of them had a positive week. Solana just had a 10 times better week than Cardano there, 38 % to a 3 .8 % pump there. So if you're holding Solana over Cardano, you're feeling pretty good. If you're holding both, you're wondering, you're looking at your Cardano bag, poking it with the stick, like the meme, come on, do something, do something. It'll happen eventually, folks. Just trust me. Then we have Chainlink down to 5 .5 % as well, but Matic is up. But we look, look at Celestia, Tia, Tia is up. We were talking about Tia, Tia is up 25%, 125 % for the week. Now, TJ, did you see any Tia actually, you saw Celestia? I mean, I know it's Drew's wife's name, so he's been big on it, but he actually, I think was talking about Celestia. Yeah, we did a short on it a while back. We noticed it when it very first popped out. Obviously it's strong in some of the Asian markets, a competitor, so to speak, coming out of nowhere. We're seeing, we're moving up very quickly through the top 100. I think it's ranked 65, 68, something like that right now. I mean, it was under 100 a week or two ago when we first covered it. Definitely something to keep an eye on. And this is something that's important that I wanted to mention on today's stream. As we're getting into a new bull market, there's a lot of different ways to look at different altcoins and value different things. When you're building out your portfolio, there's something to be said for projects that have been around for a little while that you know are going to perform into the bull market. Again, we've looked at them a lot. They're in the top 20s, top 50s, the Maddox, the Mutables, the avalanches, the Solanas, kind of the big performers of the last cycle. However, the ones that tend to have the most explosive gains can be the things that are launching around this time, the newer things. It'll be interesting to see if that trend proves through in this cycle. But Tia, Celestia would be one of those ones that it looked like tech had been around for a while, the team had been around for a while, and they were waiting for the right time to launch to really capture attention in this bull market. So watching how those perform over the next few months, I do think is going to be key. We're going to be doing a deep dive on Celestia coming up in the next week or so. I have some of that going into the works. But watching layer ones, layer twos in the narratives, obviously, in this cycle, I think is going to be a good strategy if you're looking to make those gains. All right. But speaking of gains, we also have the other side of the coin, and that's the losses, folks. The biggest loser is Rollbit for the day, down 10 percent and then Kronos. But if you look at the week here, the biggest loser is Trust Wallet and then followed by XRP. Oh, no. XRP was the number two loser for the week, folks. So it's just interesting to see a top five coin be one of the biggest losers right there. Nio, Nio as well. Nio is down now. Nio is on a video I'm working on right now, the top five coins out of Asia, everybody. And Nio is one of the five. So that might be one. All right. I'll be joining in in a second here. But I think it's time for us to talk a little Solana here. Now, Rodney, what are your broad thoughts on Solana as a sign in real quick? Yeah, well, I think that could be one of the bigger comeback stories of this next run, because really the reason why it dumped down so much, because look at everything dumped during the bear market. But the reason why it dumped down significantly was the negative association it had with Almeida Research, Sam Beckman Fried and stuff like that. But now that we're putting all that stuff behind us, it's probably going to recover. I mean, beside what the occasional network outage is, it's actually a pretty solid project. So a lot of people bought that dip understanding that the reason why it was down wasn't because of function. It was because of the negative publicity. Just like Elon Musk going on Joe Rogan's show, smoking some, you know, green and then dumping Tesla stock. Yeah, I always talk about that podcast. I saw that podcast and I remember thinking, oh, wow, this guy is incredibly bright. I would want to own Tesla stock. A lot of people say, oh, yeah, let's dump it. Well, Solana is overtaking Ethereum by active users after a 70 % spike. Everybody let's look at some of the numbers here. So this is according to Arnimix, they had 356 ,000 unique users on Saturday beating Ethereum's 330 ,000. So beat them by 26 ,000 right there. The milestone was driven by a sharp uptick with the network hosting only 200 ,000 just one week ago, less than a week ago. So it was $100 ,000 less. For comparison, ETH consistently holds around 300 to 350 with two brief spikes above 400k in a surge of more than 1 million wallets. But the price of Solana has plummeted. Is it still more than 96 % from 2021 high of 250 bucks? Does that sound right? I don't know about 96%. Yeah, no, no, that's not right. At one point, at one point when it fell to $10 in January, active addresses on the network shrank 85 % from over a million, 1 .28 to around 200 ,000 this September, according to the block. But Solana refused to stay down and now it is up 145 % just in the past four weeks. So everyone holding on to the profit feel good. And then some analysts have been quick to pronounce that Solana has flipped Ethereum by active users due to the recent uptick. However, the ecosystem has expanded beyond its base layer with the majority of ETH activity now taking place on layer two. So Solana may surpass Ethereum, but there's a giant asterisk because if you want to incorporate little activity, two well, Ethereum, the EVM as a whole greatly surpasses Solana there. But TJ, what do you think about Solana ever surpassing Ethereum as far as, you know, being the number one chain? What odds would you, would you put it less than 5%, less than 1 %? No, I think what you just said really matters there by what metric, right? You know, so you've got transactions, you've got daily active users, you've got a market cap, you've got volume, you know, there's so many different metrics to measure a chain by. So I could see it passing it in transactions one day. That's what it's designed for, right? If you get some good, if you get some good games running on it, you could see it hit higher active users, higher transaction or, you know, but volume, probably not, you know, like DeFi is going to most likely live on Ethereum for the foreseeable future. We talked about that a little bit last week. The ecosystem really matters there. And so I think what we're seeing right now in price gains in the short term, sure, it could, it could outperform there. And I think part of what we should talk about here today is why we saw all that price movement happening over the weekend. And I think, I think you've got my screen here, BJ, you can pull it in here, but some of the factors that came up on this article on Cointelegraph, why Solana Price woke up this week, it really has to do with, you know, obviously FTX getting reopened back up. A lot of people thinking there's less likely for Alameda and what's held on the FTX balance sheet, less likely to dump.

Rodney $10 Drew 70 % $186 Million Saturday 3 .8 % Chasse Joe Rogge January Eight Hour 2021 85 % Tesla 38 % Atlanta Kyle Chasse 20 Million 26 ,000 330 ,000
A highlight from Crypto News Updates: Solana, XRP & ADA Pumping!

The Bitboy Crypto Podcast

06:46 min | 2 weeks ago

A highlight from Crypto News Updates: Solana, XRP & ADA Pumping!

"Are we back? Altcoins are pumping, stablecoins are getting an upgrade, and the NFT community is joining hands. I'm Hannah and I'm going to fill you in on this week's events in cryptocurrency. Chainlink is up 34 % this week and the hype surrounding LINK is something to pay attention to in my opinion. The Grayscale Chainlink Trust, GLNK, has been trading at a 200 % premium to the spot price of Chainlink, LINK, indicating strong institutional demand for the cryptocurrency. This is the highest premium that GLNK has ever traded at and it suggests that institutional investors are bullish on the long -term prospects of Chainlink. The fact that GLNK is trading at a premium to the spot price of LINK suggests that there is more demand for shares of the trust than there is for Chainlink tokens themselves. The strong institutional demand for Chainlink is a positive sign for the cryptocurrency overall as it suggests that institutional investors are becoming more and more interested in investing in digital assets. And they think that Chainlink is a valuable one. XRP surged nearly 10 % this week and surpassed Binance Coin BNB to become the fourth largest cryptocurrency by market cap. This pump was likely due to two key announcements from Ripple, including approval to operate in Georgia. The National Bank of Georgia selected Ripple to develop its central bank digital currency or CVDC. This is a major win for Ripple as it shows that governments are increasingly interested in using Ripple's technology. Ripple also received approval to offer its services in Dubai. This is another major win for Ripple as Dubai is a global hub for financial services and crypto. These two announcements show that Ripple's technology is in high demand and this is likely driving the recent surge in XRP's price. Ripple is also facing a number of positive legal developments which is further fueling investor confidence. Overall the outlook for XRP is very bullish at the moment and I think XRP is worth paying attention to. Cardano has also pumped 10 % over the past seven days and this is due to a number of factors including a recent conference, the Cardano Summit, that was held in Dubai. Circle, the issuer of the popular stablecoin USDC, has recently announced a new upgrade to the USDC and EURC smart contract. This upgrade, known as V2 .2, includes a number of improvements that will make USDC and EURC more efficient and user -friendly. One of the most important changes in V2 .2 is the addition of support for EIP -1271. This will allow smart contract wallets to authorize transfers of USDC and EURC which will improve support for account abstraction and make it easier for users to pay network gas fees in USDC and EURC. Another important change in V2 .2 is the optimization of the block listing check. This will make it significantly cheaper to transfer, transfer from, transfer with authorization, receive with authorization, burn, and mint USDC and EURC. These improvements are likely to boost the adoption of USDC and EURC, especially among developers and users of Layer 2 blockchain solutions. The Layer 2s that are used by USDC and USDT, such as Arbitrum, Optimism, Base, and Matic, are likely to be the most relevant. Okay, so how will this impact the further adoption of stablecoins into the geopolitical landscape? This is likely to be accelerated by the improvements in V2 .2. This is because stablecoins offer a number of advantages over traditional fiat currencies, such as speed and efficiency, low cost, and transparency. Overall, the improvements in Circle's USDC V2 .2 upgrade are a positive development for the stablecoin industry, and these improvements are likely to boost the adoption of USDC and EURC, especially among developers and users of Layer 2 blockchain solutions. The co -founder of Yuga Labs and board ape yacht club Gordon Goner on X is single -handedly saving NFTs. This guy is a Chad. He mentioned in his bio that he's taking a break for health reasons from Yuga Labs, but he still claims to be an ape until he dies. Now that Gordon has parted with Yuga in some ways, he's decided to show love to the NFT projects that have been building during the bear market. Gordon posted photos of his newly acquired NFTs over the past week, and some of the projects include CryptoPunks, Pudgy Penguins, Sappy Seals, Goblin Town, and many more. Shoutout Gordon for bringing good vibes and a sense of community to crypto Twitter amongst all of the chaos. Grok is a new AI assistant developed by Elon Musk and his company X. It is designed to be able to answer questions in natural language, even about complex topics. Grok has access to real -time information via the X platform, which might give it a significant advantage over other AI assistants. Grok is currently available as part of an X premium subscription service that also includes other premium features on the app. However, Musk has said that he plans to make Grok available to everybody for free in the future. Musk has said that he envisions Grok being used as a general -purpose AI assistant that can help with a wide variety of tasks. Grok is designed to be witty, funny, and sarcastic. Elon Musk has said that he wants Grok to have a personality and to be able to interact with users in a fun and engaging way. For example, when asked for a step -by -step guide to making cocaine, Grok responded with a tongue -in -cheek answer that included suggestions such as obtain a chemistry degree and set up a laboratory in a remote location. I've been seeing a lot of screenshots of Grok interactions on my timeline, and it's cracking me up. Grok is still under development, but it has the potential to be a powerful and versatile AI assistant in the future. OpenAI engineers have allegedly come out stating that Grok is mocked in machine learning and AI communities and is analogous to a third -grader CS project. Would you place your bets on Sam Altman's ChatGPT or Elon Musk's Grok? Let me know in the comments below. The Simpsons is a popular animated sitcom that has been running for over 30 years. The show is known for its satire humor and its ability to predict the future. Over the years, the show has made a number of predictions that have come true, including the rise of Donald Trump to the presidency and the COVID -19 pandemic. In their 2023 Halloween special episode, The Simpsons predicted the rise of NFTs. In the episode, Bart Simpson becomes an NFT artist and his creations become incredibly popular. The episode also parodies the NFT community, showing how it can be full of scams and hype. Does this mean that NFTs are about to go parabolic, die, or does it mean nothing at all? Place your bets in the comments below. The Grand Theft Auto 6 trailer is coming out next month, confirmed by Rockstar Games on November 8th via X after announcing that Rockstar Games is turning 25 years old in December. We have been waiting for the Grand Theft Auto 6 trailer for nearly 10 years since GTA 5 was released in 2013. This announcement has everybody on X very excited. Which blockchain will Grand Theft Auto partner with first to bring the metaverse to the masses? Could GTA be the catalyst that onboards traditional gamers to Web3 or is there no possibility? Finally, I have a question for you guys. If you had 10k to spend right now and you had to pick one, would you rather put it in Chainlink, Solana, Cardano, or XRP? Comment down below. If you watched this whole video, I appreciate you. Please hit the like button if you haven't already and subscribe to the channel to be notified when we post a new video. I'll see you all next week.

Yuga Labs Musk 2013 Bart Simpson November 8Th Dubai December Yuga Georgia Hannah 200 % Rockstar Games Elon Musk Two Announcements Next Week Donald Trump Cardano Grand Theft Auto 6 Two Key Announcements The Simpsons
A highlight from Aim to be above your business

The Maverick Paradox Podcast

26:20 min | 2 weeks ago

A highlight from Aim to be above your business

"In this short talk episode I speak to Jonathan Jay about his experience in buying and growing businesses over the past 25 years. Jonathan bought a total of 53 businesses over the course of six years with five being before the pandemic and 48 during the pandemic. In this conversation he shares the top five mistakes entrepreneurs make when buying a business and the importance of identifying game -changing acquisitions based on the financial numbers, knowing when to sell business at its peak and the value of not being emotionally attached to the business. I create clear thinking and decisive leaders who can amplify their influence. Contact me to find out how I can help you or your organisation. And today our guest is Jonathan Jay. How you doing Jonathan? I'm very good thank you Judith, thank you for having me on. No thanks for coming on board. Now tell me, what's your favourite thing ever? I was expecting this to be a question about buying a business. My favourite thing ever? Oh my goodness, that's such a broad... my daughter, there you go. Can't get better than that. No you cannot, I bet she's gorgeous when she smiles. Even when she's grumpy she's fairly gorgeous. Brilliant. Jonathan tell us a bit more about you. Well this coming year, 2024, is my 25th anniversary of doing buying, selling, owning, growing and all those sorts of things in business. I've actually been in business longer but my first business was sale in 1999, so coming up to the 25th anniversary and it feels like yesterday in some ways and it feels like a very long time in other ways and I'm going to take it a lot easier from next year onwards, spend a little bit more time doing things other than businessy things. Interesting, so when you buy these businesses do you onboard a management team or do you become the CEO for a while or what do you do? Well it's an all depends answer on the different situations. I'm not particularly interested in operations and I'm not very good at it either. I'm not really the people person that's required to do that sort of thing so I always prefer other people to do that. Okay it's always good to know so many CEOs, founders as well they sort of get trapped into running it when they're not the right person. Well yes that's right because at the beginning you do everything yourself don't you? You are the business in every way possible so it takes quite a mind shift change to say that's not going to be me and there aren't any rules about when it stops being you. Does it stop being you after 12 months or 24 months? There's no rule so it just ends up being you all the time because at the beginning you can't justify anyone else being involved. You can't afford anyone else usually but it is a trap so the work on your business rather than in your business, massive cliche now but when Michael Gerber wrote The E -Myth over 35 years ago I think, it was quite a revolutionary change in people's thinking and he encapsulated it so well with that phrase work on rather than in and now I say to people work above the business so you become the investor rather than the doer or just the owner. And how easy is it to do that? I've never heard of anyone talking about being above the business. How easy is it to get there? Well there are very few things in business that are easy because everything takes discipline, effort, hard work, dedication and all of those things but I think it's important because if you do get dragged into the day -to -day you become the bottleneck in your own business and the growth of your business is going to be throttled by your time and your energy and to have boundless energy in our 20s and 30s past the age of 50 maybe the energy level is not quite what it used to be and we look forward to an early night and a good night's sleep so therefore capturing the energy and enthusiasm of other people allows you to do far more than if it was completely dependent upon you. Okay that makes sense. So in the last three years you've bought 48 businesses so tell me about that journey. Yes it's more than that actually, 53. So yeah I did a buy and build in 2019 which is what's that like that was five years ago actually five years back that I've been thinking about for a year prior to that so it really goes back about six years and I bought five of these businesses before the pandemic, 48 during the pandemic and it was stressful at times. I've got to admit that it wasn't plain sailing, very few people I've ever met have done that. There's only one person I can think of who's done it that aggressively and I ran out of energy. I was helping my daughter with her spelling homework and she was reading through the words for her spelling test that coming that coming week and one of the words was unhappy and she looked at me and she said that's you. Wow. And I said oh okay okay I let it go and the next day I said why did you say that and I said what makes me unhappy and she said work and I thought I've just suddenly become a very poor role model and at one point I was hospitalized. I'm not trying to put people off buying a business, I'm trying to put people off buying 53 businesses in like it was actually two and a half years. The stress started to get to me so no amount of money or no obsession with business is worth your health, your relationships, your family and all of those things and I think that early on in our careers we put everything behind our business and our career and then I think again when you tip into maybe when you tip into your 40s then you tip into your 50s you realize that you've got to get your priorities right because you start saying life is too short way too many times you've only yourself repeating that again and again life is too short life is too short so I think it's getting that work -life balance again yeah that was a kind of a new phrase 20 years ago and now it's work -life balance this that and the other but it's but it is very important. So you risked your health doing what you did but why did you do that? No one had a choice to be fair it kind of crept it kind of crept up at me I wasn't intentionally doing that. I had these stomach pains that wouldn't go away and one particular night you know I just didn't sleep the entire night I was just such agony and I was googling appendicitis and that was actually on the other side so it wasn't appendicitis I thought I couldn't figure out what it what it was I always thought my stomach was kind of in the middle and it's not actually it's to the to the side so I figured it was my stomach so I went to the doctor which I don't you know not something I've ever done on a regular basis and the next day I was having a colonoscopy which is not my favorite medical procedure out of all the medical procedures there are available a colonoscopy is not my most favorite one and they couldn't find anything which was good in some ways but what what was causing these the the stomach pains and it was all stress related so that was when I decided I've got to make a bit of a life lifestyle choice here and however big the pot of gold at the end of the rainbow if I'm not here you know because I'm as long as possible and I can't risk um you know I can't risk my health sort of suffering because of something which is let's face it financially based so um so yeah yeah it's a very common trait though isn't it entrepreneurs pushing themselves far too far um because I suppose you just get used to it and then it makes then it becomes harder to let it go oh I mean I I I have been and to a certain degree even now addicted to my phone I mean it's like it's like I get uncomfortable if it's not in my hand or I can feel it in my pocket which is bizarre I mean I shouldn't be looking at my emails at the weekend should I I mean it's like what's happening at the weekend nothing's happening at the weekend so so why am I even looking um so so it's but but I but I also remember the very very first day back in I think it must have been the mid -2000s when someone showed me how I could actually get emails on my phone and it was like oh my goodness I don't have to sit at my desktop to get my I can actually get them on my phone and you think that um you know if you if you again if you go back 20 25 years where we didn't have Facebook and we didn't have social media we didn't have um phones of any description but we still managed okay actually this is going back 30 years we still managed okay and we managed with a fax machine and uh you never hear anyone saying they make more money now than they did back then because they've got phones and technology yeah it it it is meant to improve communication but I don't remember anyone ever saying communication was was bad it was just you worked with what you've got and you didn't expect an instant yeah people these days you send them a whatsapp message and you don't reply instantly it's like a it's it's it's considered to be rude um where you know no one ever got upset when you faxed them and you didn't fax back immediately had it changed for the better not necessarily yeah why did you buy all those businesses in such a short period of time and it was in opportunity um that uh it was an opportunity to grow a grow a a pretty sizable group the fourth largest in the sector um within a short space of time and the pandemic was good in some ways business -wise bad in other ways um and one of the ways it was good it was because there were we just went for it um what it was it was just opportunistic that's all what type of businesses are they are these were all uh child care oh wow okay that made do you do you still have those no well my my business partner took over when I I I decided like I said the pot of gold at the end of the rainbow was not was not as enticing as I thought it was going to be so she took over um uh and and she was the child care expert I I was just the guy with the idea so my contribution was I had the idea and I knew how to do the deals and get the deals done um apart from having a child I I don't really know anything about uh how to run a child care business it's all highly regulated and you know I'm not qualified to do that anyway okay that makes sense so how did you know which of those businesses were good businesses to buy next to other businesses that you didn't buy uh because I looked at 500 so I looked at 500 first and it was kind of like a one in ten um of the of the 500 uh despite that you know some of them were better than others because they're not all created equally um and and some had some inherent cultural issues uh some had reputational some issues had financial issues uh you never get a perfect business right every business something that isn't appealing to someone else um maybe as the owner you live with it but to a new owner they wouldn't think it was um a good thing uh so so yeah so so the the bottom line was having choice of looking at looking at 500 in quick succession so if somebody was sitting there and they were thinking I need to I want to buy a business yeah is there any key things other than the fact that obviously you know the financials if you take the financials out is there any key things that people should be looking at well it is actually the financials the largest part because you want a business that's that's making good money and if you're going to buy a business why would you buy a business making 50 000 a year when you can buy a business making 500 000 a year with the same level of effort um as actually is easier to buy the larger business and the smaller business the larger business is going to be a better business than the smaller business um so they're uh yeah so the financials actually are are absolutely critical uh it's got to have enough staff enough people because you always get some when you buy a business you always get some people you want something that if you've if you've got a business with five members of staff and two leave you've got yourself a big problem uh if you've got a business with 50 members of staff and five leave or six leave it you know you don't notice yeah sometimes they were surplus to requirements anyway uh you've got to have a business that's big enough to be able to afford some good people to run it because you don't want that if uh it if it if it's you and you just bought yourself a job uh and even though it might be a well -paid job yeah we've kind of created that bottleneck that we were talking about earlier yeah and how did what sort of weight do you put on things like the culture of the organization well the that's the hardest part so you know if you buy two businesses one has a nine to five you know you walk in at one minute to nine you leave at one minute to five and then you've got the other which is work hard play hard and you know we're on call we're available anytime we'll do what's required to grow this business you try and put those two groups of people together and they won't mix so that cultural match is is really difficult and getting the staff on side is really important and that you know we did it really well and we did really badly yeah so and everything in between and sometimes it's practice slightly outside of your control as well so um you know you you might have a seller who who is a reluctant seller and some for some reason doesn't want the buyer to be successful and definitely doesn't want the buyer to be more successful than they were doesn't want to show doesn't want to be shown up so they they spike it a little bit with the staff and it's amazing how many people sell a business and then keep in touch with the staff and want to know everything that's going on they can't let go oh i suppose after 20 years of ownership i get that i understand that but uh that that makes things a little bit tricky so the the people aspects are typically the hardest okay thank you that's really that's really a good point so what are you doing now then um i go on holiday a lot and i take my daughter to school i pick her up from school um i watch uh dancing uh uh shows uh gymnastics competitions the other night last night and uh and i i do that i i i fill my day um helping other people buy businesses and benefiting from my experience over the last 25 years so uh these are either business owners already who want to expand by buying another business or they're entrepreneurially minded people quite a few property investors recently are not getting a very good return on property um and uh and see an opportunity in business so it's a it's a combination of all of uh all those different types of people and i i have sort of groups of business owners and entrepreneurs who come together and i guide them through the business buying process so they don't make all the mistakes and there's a lot of mistakes you can make and i've made all of them so i can help people avoid them that sounds really good so is there a top five mistakes that entrepreneurs make when they're trying to buy a business yeah um this is in no particular order because it's off the top of my head but uh definitely uh letting uh emotion rule the decision so ahead so it you turn into a motivated buyer you want to buy it and therefore you've got to make the deal work even though the deal shouldn't work it actually would help you if the deal didn't work um buying a business that's too small so you end up um getting involved because you have to and the business can't afford anyone to replace the exited owner um another mistake is using your own money you should never use your own money when buying a business why would you do that um you know we can we can finance the the acquisition without you having to reach into your own pocket and that's why people can buy multi -million pound businesses without being a multi -millionaire uh you don't need the money to to do that you just need the knowledge and the three mistakes that people make uh mistake number four um is that uh let's see um they uh get the numbers wrong so they don't do sufficient due diligence to understand exactly how much profit the business makes uh what the business will continue to make under the new ownership you know they rush the deal they rush this part of it because it's not very exciting due diligence um it's a little bit like waiting for the house survey to come back when you've already want to buy the house and even if there's a hole in the roof and you're gonna buy that house so people ignore the due diligence or skimp on it that's four thing four mistakes that people make i've done a video i've done actually done a video series of 12 mistakes that people make uh and uh so let me think of one of those for number five for you um so i i think going into an acquisition without enough knowledge of what to do so feeling as though you can make it up as you go along you can pick up bits of information of the internet i mean goodness me if you spend enough time on the internet you'll you'll be so confused because people say different things what you need is a process you need a system to follow you need to say like this is the first thing i do this is the second thing to the third thing and every time i see someone follow the system they get the result if they don't follow the system they don't get the result and it becomes frustrating or it becomes expensive or they end up just not doing it so i think it's really important to follow that process follow that system so there you go there's five mistakes that people make they're really good ones actually and they're things that you don't automatically think of and that i like the idea about not being a motivated buyer because you make mistakes because you just need and like you say you just need to buy it when it's been going on for ages so it's just like i've put i've already invested x amount of time so now it's i might as well just do well it um yes or i've spent x amount of money and yeah i feel as though i i have an obligation to follow through uh which is just not some not a good idea uh at all you you are looking for a motivated seller you're looking for somebody who wants to sell because if they don't want to sell why you know what you're going to do you're going to try and persuade them to sell to you does that sound like it's ever going to be a good deal so you want someone who wants to sell and you'll find that the more they want to sell the better the deal for you so out of all though millions of businesses out there i think you're probably better off finding someone who really is motivated to sell rather than someone who doesn't want to yeah and i suppose the other thing to think about is if you've got another business or other businesses is how does this one adds to the portfolio or does it distract from the portfolio i guess another one isn't it exactly and and it becomes a distraction it becomes a bad distraction if it's small and it sucks up time but doesn't give you anything back uh it's a good distraction um if it's a game changer acquisition and that and that's what uh um that's always what we're that that is a game changer or just something that you want to do how do they how can they tell the difference uh it's usually down to the numbers right okay to give an example a father and son duo who just bought their first business recently with my help um eight million of revenue 1 .1 million of pre -tax profit that's a game changer deal where you know you buy a business 20 that makes 000 pounds a year well that's never going to set the world alight right it's just like why put the effort in you might as well go and buy the bigger the bigger business okay and do you have any thoughts about knowing when to sell when someone should be thinking about it's time to sell yeah when things are going well but no one wants to sell when things are going well because i say well why would i sell things are going well now that's when you get the um most value and things don't go well forever no business goes up and up and up and up and up and up and up every business you know it goes up and down it's like a roller coaster so you need to know when you're going getting up to the top of the the peak and when you're going up to the top of the peak that's when you sell when you reach the top the only way is down and that's when you get the worst value and that's when you become seriously motivated to sell you should be motivated to sell because the business is doing well not motivated to sell because the business is doing badly. That makes a lot of sense and I guess you need to not be emotionally attached to the business because that's when it's difficult to sell. You get the best value if you're not emotionally attached. If you are emotionally attached your value goes down every single time. This is really useful. Thank you so much for that. Before we finish is there anything Jonathan you want to add or leave with the audience? Can I give a plug for my YouTube channel? Yeah go ahead and do it. If you type my name Jonathan J J A Y into YouTube I've got over 200 videos on buying a business and all interviews with my clients who've done it, me doing presentations to groups of people, all different types of videos and there's some free training videos there as well. If anyone's interested in doing this check out the Jonathan J YouTube channel. Brilliant and I think that will help as you said it's always good to have a bit of a template a bit of a process and an idea of what to expect rather than getting super excited and go I've got some money I can do something. Yeah and keep your money in your pocket don't use your own money when buying the business. Brilliant thank you so much for coming on the show. My pleasure thank you Judith. You're welcome and thank you out there for tuning into the Maverick Paradox podcast. I'm Judith Germain your host and thank you very much for listening to us today. The Maverick Paradox. Judith Germain is an author, speaker, consultant, mentor and trainer and the leading authority on maverick leadership. She is the founder of the Maverick Paradox which supports organizations to enhance their leadership capabilities and to help business owners develop and grow their businesses. Judith enables individuals, business owners and organizations to improve their impact and influence. She is also HR Zones leadership columnist and her expert opinion has appeared in national, international and trade press.

Michael Gerber Judith Judith Germain Jonathan 1999 53 Businesses 50 Members 2019 Jonathan Jay One Minute Five Members 48 Businesses Five 24 Months Today Three Mistakes Next Year 12 Months Multi -Million Pound 12 Mistakes
A highlight from 196 - 10 Timeless Lessons for Crypto Investors With Morgan Housel

Bankless

11:58 min | 2 weeks ago

A highlight from 196 - 10 Timeless Lessons for Crypto Investors With Morgan Housel

"Look, I'm a very optimistic guy, but the answer is no, there's absolutely no hope whatsoever. I would bet so heavily that 100 years from now we're going to have bubbles that would look exactly like they did in 1999 and exactly like they would have during the housing bubble. Pick your bubble 100 years from now, 200 years from now, that's going to be the case. Welcome to Bankless, where we explore the frontier of internet money and internet finance. This is how to get started, how to get better, how to front run the opportunity. This is Ryan John Adams, and I'm here with David Hoffman, and we're here to help you become more bankless. Guys, a lot has changed in crypto throughout the cycles, but some things haven't. We're here to talk about the things that haven't changed. We've got timeless investing wisdom applied to crypto from writer and investor Morgan Housel on today's episode. So a few different things you need to know for different parts of the cycle. We've got lessons for the bear market, lessons for the bull market, and lessons for the apathy market. A few takeaways for you. Number one, why the bear market was painful, necessary, and yet good. Number two, why those that survived the bear market now have an advantage. Number three, how to manage your brain during a bull market when things get frothy. Number four, how to actually be happy no matter how much wealth you have. Number five, the traps that you're going to fall into during the bull market, unless you know how to spot them well in advance. Number six, optimism versus pessimism, how to balance them to become a better investor. David, I could have been like listed 10 more of these because I feel like the insights per minute on this episode today were absolutely off the charts. We put in the title 10 timeless lessons for crypto, but the truth is there's probably like a hundred here. There's like too many to count and we didn't really count them. What's the significance of this episode for you? I think the most significant thing about this episode is the timing in which Morgan's book just happened to come out along with all of the bullishness that's coming out of the crypto space. We are about to enter a time in which the bull market beer goggles are on and we need advice like this to merge into our brain and have deep understanding of as we navigate that bull market because this is when the time in the market in which this advice is the hardest to follow, yet it is going to have the most ROI if you can follow it. This is like trying to flex your brain muscle, your diligence, your own discipline as an investor. And so like listen to this episode, write notes, listen to it twice, do something that you need to do to merge this information into your brain because it will save you multiples of your portfolio as you navigate the bull market. It is timeless wisdom. It's wealth generation strategy is wealth preservation. And it's also, I would say just like the perfect Ryan and David episode, one part investing, one part psychology. Like I said, just the timing of it all. I think it is perfect. Yeah. The wise investor wins. The disciplined investor wins. I think this is even truer in crypto than it is in traditional markets, actually, David. And so we hope you enjoyed this episode with Morgan Housel. He'll be right on. We're going to begin in a minute, but before we do, we want to thank the sponsors that made this possible, including the venue in which you could practice all of this timeless crypto wisdom. That's Kraken, which is our number one recommended exchange for 2023. If you don't have an account, what are you waiting for? Go create one. Kraken knows crypto. Kraken's been in the crypto game for over a decade and as one of the largest and most trusted exchanges in the industry, Kraken is on the journey with all of us to see what crypto can be. Human history is a story of progress. It's part of us, hardwired. We're designed to seek change everywhere, to improve, to strive. And if anything can be improved, why not finance? Crypto is a financial system designed with the modern world in mind, instant permissionless and 24 seven. It's not perfect and nothing ever will be perfect, but crypto is a world changing technology at a time when the world needs it the most. That's the Kraken mission, to accelerate the global adoption of cryptocurrency so that you and the rest of the world can achieve financial freedom and inclusion. Head on over to kraken .com slash bankless to see what crypto can be. Not investment advice, crypto trading involves risk of loss. Cryptocurrency services are provided to US and US territory customers by Payword Ventures EEC, PVI, doing business as Kraken. Metamask Portfolio is your one -stop shop to navigate the world of DeFi. And now bridging seamlessly across networks doesn't have to be so daunting anymore. With competitive rates and convenient routes, Metamask Portfolio's bridge feature lets you easily move your tokens from chain to chain using popular layer one and layer two networks. And all you have to do is select the network you want to bridge from and where you want your tokens to go. From there, Metamask vets and curates the different bridging platforms to find the most decentralized, accessible and reliable bridges for you. To tap into the hottest opportunities in crypto, you need to be able to plug into a variety of networks and nobody makes that easier than Metamask Portfolio. Instead of searching endlessly through the world of bridge options, click the bridge button on your Metamask extension or head over to metamask .io slash portfolio to get started. Arbitrum is accelerating the web three landscape with a suite of secure Ethereum scaling solutions. Hundreds of projects have already deployed on Arbitrum one with flourishing DeFi and NFT ecosystems. Arbitrum Nova is quickly becoming a web three gaming hub and social dapps like Reddit are also calling Arbitrum home. And now Arbitrum Orbit allows you to use Arbitrum's secure scaling technology to build your own layer three, giving you access to interoperable, customizable permissions with dedicated throughput. Whether you are a developer, enterprise or user, Arbitrum Orbit lets you take your project to new heights. All of these technologies leverage the security and decentralization of Ethereum and provide a builder experience that's intuitive, familiar and fully EVM compatible, faster transaction speeds and significantly lower gas fees. So visit arbitrum .io where you can join the community, dive into the developer docs, bridge your assets and start building your first app with Arbitrum. Experience web three development the way it was always meant to be secure, fast, cheap and friction free. Bagel station. Morgan Housel is a writer and investment partner at the collaborative fund. We had Morgan on a year ago to talk about the principles in his book called the psychology of money. I got it right behind me on the bookshelf. I don't know if you could see it guys. It's one of the best investing books that I've read in the last decade. And that episode is my recommendation for one of our top 10 must listen to episodes for crypto investors, particularly if you're starting on the bankless journey. But today, Morgan brought some new timeless advice for us because he's just published a new book. It's called the same as ever. And this is a guide to what never changes. It's a series of 23 punchy stories, timeless truths about people, societies and how to live. This, my friends, is important wisdom as we go into the crypto bull market. Morgan, welcome to Bankless. Welcome back, I should say. Yeah, Ryan, David, thanks for having me. Looking forward to it. I mean, let's start with the theme of this book. Why are you focusing on stuff that's the same? Isn't the same stuff boring? Like, why not new things? It is boring, which is why we don't pay attention to it. But that's always at our own detriment. So I've been a financial writer for going on 18 years now. And a big part of that journey and what I've written about was just how like frustrated, cynical, disgruntled I became at how bad the entire industry was at forecasting the next bear market, the next recession, like anything, no matter what it was. I mean, here's one little example of this that I was thinking about this morning. I remember I'm pretty sure it was in Fortune magazine. It was one of the big business magazines. They published an article in 1999 that was 10 stocks for the decade ahead. It was like 10 safe blue chip stocks that like you can count on for the decade ahead. And I swear it was Enron, AIG, Kodak. It was like go down the list of the companies that went out of business. This is one like everyone knows how bad the community is, not just the media community, but economists, financial advisors, analysts, portfolio managers, and predicting what's going to happen next. So there's two things you can do with that realization. You can become even more angry about it and just a fatalist and say, nobody knows anything. Don't even try. Or you can say, what does never change? We have no ability to predict what is going to change. That's probably too blanket of a statement, but it rounds to that for most people. But if you look across economic history, and not just economic history, but a lot of history, it's the same behaviors over and over and over again. It's like how we respond to greed and fear and risk and uncertainty that never changes. And if you read about financial crises from 100 years ago, 200 years ago, it's the same thing. It's the same thing over and over and over again. So then I was like, well, let's just focus on that. Let's just focus on what we know is never going to change. I have no idea when the next bear market is going to come, but I know exactly how people are going to respond to it and what they're going to think about it and how they're going to feel, because that's never changed. So that was kind of where it came into play for me, was just starting with a frustration and then saying, okay, well, what's the positive way out of that observation rather than just becoming more of a cynic? Morgan, if I can make a prediction about the content that we were about to discuss, there's that old quip of one fish swims past the other and says, how's the water? I think the fish replies, what's water? Implying that there are so many things that happen so frequently that we just can't identify it. I think the Bankless version of this was like our first few episodes was about identifying money because it's such an invisible force that we never really approach and attack head on, that when you do, your brain opens up and all of a sudden there's a world that's expanded to you. I feel like that's about what we're about to get with you in a variety of different lessons. There are so many fundamental about truths the way that the world works that we just are not awoke to because of how like default they are, how common denominator that are. That's my prediction about this. And here's what I love about this. I've been pretty open. I'm not a crypto investor. I'm not a crypto, you know, completely negative. It's all going to hell. It's all a joke. I'm not that person either. But here's why I think that doesn't matter in this. And this is the same for psychology and money. The overlap between the behaviors among a crypto investor versus an index fund investor versus a mutual like a municipal bond investor. There's a lot of overlap there. How people respond to greed, fear, risk, uncertainty, it's all the same. And so much of what I've loved about the kind of research that I get to do is I'm a financial writer, but actually don't read or research that much about finance. I love reading about all kinds of different history, all kinds of different fields and recognizing when those behaviors in medicine or military or like physics or take any field and seeing how they respond to these topics applies perfectly to investing. Morgan, so another thought I have, you were talking about your frustration. You decided to channel that frustration with all of the, you know, noise in the finance industry into a book, The Psychology of Money, and now kind of this book. I still predict that people like you, people like me, maybe people like David, people who are listening to this advice and this wisdom and actually applying it will still continue to be frustrated because I think we are still in the minority of people who are actually applying these lessons. So I'm zooming out. Crypto is probably about to enter a next bull market. And Morgan, I guarantee you, we are going to make many of the exact same mistakes we made in the previous bull market and we're going to do it over and over and looking at this and you're like, it's going to happen again, isn't it? We're going to do the exact same thing. Is there any hope in this book of breaking us out of that cycle or is the hope only at the individual level that an individual can kind of wake up and be like, Hey, I don't have to do this. I can see all the other dumb humans repeating the same mistakes, but I don't have to do it. Or is there hope that we could actually break this cycle as kind of a society, as an industry, as a, you know, a market? Look, I'm a very optimistic guy, but the answer is no, there's absolutely no hope whatsoever.

David 1999 David Hoffman Enron Kodak United States Morgan AIG Ryan John Adams 10 Stocks 18 Years 23 Punchy Stories Today 200 Years Ago Twice Kraken First App 100 Years Ago Hundreds Of Projects PVI
Monitor Show 19:00 11-13-2023 19:00

Bloomberg Radio New York - Recording Feed

00:28 sec | 2 weeks ago

Monitor Show 19:00 11-13-2023 19:00

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A highlight from EP148 Decoding SaaS Security: Demystifying Breaches, Vulnerabilities, and Vendor Responsibilities

Cloud Security Podcast by Google

29:33 min | 2 weeks ago

A highlight from EP148 Decoding SaaS Security: Demystifying Breaches, Vulnerabilities, and Vendor Responsibilities

"Welcome to the Cloud Security Podcast by Google. Thanks for joining us today. Your hosts here are myself, Timothy Peacock, the Senior Product Manager for Threat Detection here at Google Cloud, and Anton Chuvakin, a reformed analyst and senior staff in Google Cloud's Office of the CISO. You can find and subscribe to this podcast wherever you get your podcast, as well as at our website, cloud .google .com slash podcasts. If you enjoy our content and want it delivered to you piping hot every Monday, please do hit that subscribe button. You can follow the show, argue with us on the rest of the Cloud Security Podcast listeners on our LinkedIn page. Today is a special episode because it was originally live streamed. If you'd like to follow our live streams in the future, do follow the page. You can get the video content on our YouTube channel as well. Anton, we are talking about. Caspi 2023? in No, we are really not. We're not, we're not. What are we talking about? We are not. We are talking about securing SaaS. That sounds like Caspi. And I was deluded by claiming that securing SaaS is really just Caspi. And suddenly I think you are trying to troll me a little bit and flip the positions and pretend that you believe that securing SaaS is all about Caspi. You would never do that. Me? Troll you? Never. I would never do that. No, no, no. Okay. No, no, no. But it is a securing SaaS episode. And it is. And I think that there's a whole universe of things. And the strange part, there would be like a one particular surreal bit today. Most people who use software service assume that securing SaaS is about configuring security. Yes. And at the same time, most people correctly point out that the chance of a SaaS vendor being breached in some particularly nasty manner is really not high for the top tier vendors and that it can be handled through paper security contracts, questionnaires. And is that the truth? Is this not a year where we've seen counter examples of that though? I think that's the year where we've seen counter examples to put it mildly. Yes. Yes. Yes. Okay. Well, maybe with that teaser listeners, let's turn things over to today's guest. All right, listeners. Welcome to another live stream of the Cloud Security Podcast by Google. Thank you for joining us today. Our guest today, Adrian Sanabria, Director of Valence Threat Labs. Adrian, thank you so much for joining us today. Delighted to have you here. You are, of course, somebody who has also cool Legos in their background. So already you're doing great on the show. I want to start us off by centering us on SaaS. Spent a lot of time on the Cloud Security Podcast talking about cloud security for Azure and AWS and some other smaller cloud. I think that's called GCP, but there's this whole other world of cloud services that is SaaS and where users access an app like Salesforce or Workspace or O365, depending on what kind of credential they've stolen that day. So how do we think about securing SaaS as opposed to securing, say, the three infrastructure clouds? Well, it's a blurry line, right? Like how do you access those infrastructure clouds? That's also SaaS. It is, yeah. If you're using console .aws .com or whatever the GCP equivalent is or Azure equivalent. So, yeah, it's really interesting because it is kind of a blurry line. And we do find ourselves somewhat overlapping with infrastructure protection and stuff like that. Okta was a big supported platform. Also, the SaaS interfaces of security tools like CrowdStrike. We support SentinelOne and CrowdStrike as SaaS consoles that we secure because that's how everything works today is through a web browser, through an interface in a web browser, through some kind of SaaS interface. But wasn't it not like that in the past? Because you're a former analyst as well, right? And I do recall my former analyst years when there was this whole secure SaaS, you know, buy CASB, do the classic SaaS stuff. And there was on the left people who lived and shifted VMs and treated IaaS as kind of a colo, sadly. You know, we may rant about it, but it happened. But it sounds like the two worlds were further apart in the past. Yeah. Am I hallucinating it? No. Or is there something to that? No. And I think where it changed is behind the scenes quite a bit. A lot of it's we went from these monolithic web apps to API first dumb interfaces, which maybe have a little bit of JavaScript now, but there's a lot less heavy lifting by the JavaScript and a lot more done behind the scenes through the API. It used to be you'd run a search somewhere and it would pull the entire dataset, like the actual query in your browser tab and just use a ton of memory to do that. Now that that happens behind the scenes so that it's a much lighter lift, much quicker on the front end. Also, all these applications integrate now. Like before the pandemic, Zoom was just a dumb meetings app. Now it's this whole platform overnight, almost it seemed it had hundreds and hundreds of integrations. And a lot of these integrations work like if you had some kind of an inline tool like a SASE or a CASB or something like that, that's depending on looking at inline traffic, you're not going to see this because it's SaaS vendor to SaaS vendor where these actions are taking place, whether they be scheduled. But is it a customer problem? If it's a SaaS vendor to SaaS vendor, sometimes customers don't even see that stuff going on. So that sounds tricky. It is. I mean, shared responsibility, just like the public clouds. Right. And sometimes it's not clear where that line is, where that shared responsibility begins and ends. You know, like, for example, turning on logs, like I remember running an investigation years and years ago, they were using Office 365 and it was a case where somebody had gotten access to their email and we got in, we started investigating and it was clear they were on the inside because they were able to send convincing looking emails as other employees trying to change the bank accounts for large seven digit commercial real estate payments. And none of the logs were on by default. Like, we had no way of knowing when they got into the system, how long they had been in there, the extent of what they had access to. So during the investigation, we were the first one to turn on email logging. But that's sort of like so, okay, should I say so 90s? Well, none of this stuff existed in the 90s. So it's almost like it's just so sad 90s mistakes. Our job is just Groundhog Day, Anton. It's just Groundhog Day every day. But it's a Groundhog as a service. Yeah. Okay, fine. It's just supposed to be more funny than it helped. The Groundhog has moved. We still see 90s problems so often. Like, how often do we see some new fancy DevSecOps tool where there's a port exposed or default credentials or something like that? Like, we see these same issues popping up again and again because a lot of the people engineering this stuff are a new generation that didn't live through those times. And maybe we elder security folk didn't do a good job of passing down our lessons learned. Oh, that's for sure we didn't. I think you're supposed to invite Adrian because he's such a positive person and he would like shine the beautiful blue light. And now I'm more depressed than normal. So probably we should switch topics. How about incidents in the cloud? Oh, wait. Yeah, that's different, too. So what do we know from the actual breakage? I saw somebody post on LinkedIn the other day. Do we need CVEs for like cloud and SaaS? And didn't make a whole lot of sense to me because to me, a CVE is something you have to fix in your environment, like it's fixed once by the vendor, fixed many by the customer, whereas SaaS and cloud infrastructure is the opposite. The stuff we constantly see, like now it's these research teams working for vendors, for CSPM, SSPM vendors, they're out trying to find vulnerabilities and issues in these services. But once the vendor fixes it, it's fixed for all customers all at once. Right. So it doesn't make sense to assign that a CVE, right? I think that might be a limited view on what a CVE is for. No, no, I'm with Adrian. No, no, no. Hear me out. Hear me out. Wait. Okay, go. Okay. So sure, a CVE is definitely a statement that, hey, I have to go install some patches, but it's also a signal that something was vulnerable and I was at risk for a period of time from disclosure to patch. A CVE in the cloud or a CVE in a SaaS could reasonably serve the purpose of I need to investigate whether that was used against me while it was vulnerable and unpatched. And without a mechanism like CVE, how do I as a user know that my cloud provider or my SaaS provider might have lost my shit? I'm not arguing there shouldn't be a mechanism. There does need to be a mechanism, but I think it's confusing to lump it in with CVEs. I think it needs to be a separate database, a separate acronym. Yeah. And the most evident client facing, the client face inside is probably a misconfiguration. So it also wanted the CVE type. It is the defunct CCE or whatever they tried back in the day. In theory should have helped, but ultimately misconfigured SaaS would get you. And that's something you need to fix. Yeah. And just like with traditional vulnerabilities, we do need to understand the type. Like a lot of these issues we see in the cloud, you know, it's unclear if the researchers were the first ones to find it. And some of them are cross -tenant vulnerabilities. Like I remember one where if you knew the disk ID of a disk image in Microsoft in Azure, you could mount it. There were no access controllers. That's the early days. That's very early days. That's like 2013, maybe 14, right? No, it was like two years ago. Yeah. What year is this? It's 2023. Last time I checked. Thank you. Holy cow. We talked about it on Enterprise Security Weekly, and I've only been running that podcast for two years. So it was in the last two years. That's wild. Wild. Yeah, it was wild. Wow. Yeah. And you can imagine people taking screenshots that would show that ID or uploading things to GitHub where they would still have the, like, I wouldn't think to treat that image ID as a secret, right? Of course not. Why would you? You would think there's access control on it. Yeah. So again, shared responsibility, a very blurry line here with SaaS and cloud. And so we rely on a lot of researchers to say, hey, did they, did they build it? Like, surely not, you know, but you got to go and test it. This is why I think CVEs and cloud are important. How else would you as a, and again, it could be some other mechanism. Sure. Right. But I think structured vulnerability disclosure is important because if I'm a buyer and I want to decide, oh, man, is that system trustworthy? Does that system have these kinds of things? How else am I going to figure that out? Other than a database of the history of stuff we've discovered about it, maybe listening to podcasts. Yeah. And there are some now. There is a cloud vulnerability database. I forget what it's called. Yeah, it's launched by one of the cloud security, what we call a third party vendor, I think. Yes. There are actually two or three attempts at the cloud vulnerability database as a service protocol. We'll add them to resources. Yeah, that's great. OK, so I want to shift gears a little bit away from the again. We got back to Azure for a little bit. Tell me about the recent O365 SaaS breach. What's that? Is that a breach? Is that a cloud breach? Is that something else? Where does that land? Well, first of all, they rebranded. You got to keep up with the rebranding. If I try to keep up with Microsoft rebranding, I will. There's no more Office. What is it? Microsoft 365, M365. M365? And everything's defender, except for the things that are not defender. OK, fine, whatever. The email service in the cloud that's not workspace, that got breached. Was that a cloud breach? So there were several in the last couple of months. Are we talking about the AI data leak one or are we talking about the one where a bunch of government agencies broke into their emails? That one? Yeah, the storm. The 26 agencies that got popped because of bad token health and bad access key signing security. Yeah. So that was an interesting one because we don't know how it happened. We know that a Microsoft engineer lost access to this key at some point, but they're either not sure or they're not telling how that engineer got compromised. If you look at the wording, they don't even necessarily connect the engineer getting compromised to the rest of the attack. So it could be a red herring. I'm not sure. Maybe I'm reading into it too much, but there's going to be a government investigation into that. So there's a subsidiary of CISA that just does these investigations. And I predict in about 12 months, we'll have a much more detailed report telling us what happened there. But certainly access tokens played a role. Wait, is this one of the first real big NTSB cyber investigations we're going to see? No, I think the first one. What was the first one? Log4j. Yeah, Log4j was the first one. Yeah. So but wait a second. I'm getting this surreal vibe from all of that. So back when I was an analyst, I'm not going to joke about back when I was younger because it wasn't that far into the past. When dinosaurs roamed the earth and Anton was an analyst. Yeah. When the gas cloud, I kind of think gas cloud first, not before dinosaurs. Many people sort of assume that the infrastructure and a bunch of other stuff is taken care of by a SAS security vendor. And then the other Gartner wisdom, about 99 percent of cloud breaches being customer fault applies. So it's almost like my mind wants to naturally go back to the world where SAS providers, at least the top tier ones, are pretty secure, pretty well done. But customers kind of screw up configurations and then they cause issues. But we are seemingly in the world where SAS providers screw up and not the client. So like bring me back to the familiar, because now I'm getting even more nervous and I want to like unplug my computer from an Internet or something. The SAS vendors, you know, it doesn't grow your SAS revenue to build in the security or more security than your competitor. You want to reduce friction. You want to increase adoption. You want to increase spend. And none of that is done by making people jump through extra hoops when they authenticate, making them do step up authentication, making them spend a bunch of time checking their configuration, making sure the configuration is correct. So there is some pressure for the SAS vendor to pick a configuration, get it right. And typically they don't. That's not the top priority. So the customer bears the brunt of that. So a great example of that is how we handle external data sharing today. So by default, overwhelmingly, at least from my research, the number one use case for data sharing is I'm about to jump into a meeting. I've got a file I need to share with somebody. We're going to discuss this file during the meeting. We shared a file to prep for this podcast, right? Like the very common use case. But what's the expiration on that? Why isn't there an expiration on that data sharing? In many cases, that data share no longer needs to exist the moment that meeting ends, right? Sometimes it's a little bit longer. Maybe you're working with a contractor, maybe it's three months out, but there's no lifecycle. There's no full governance on that data share. And the same thing with integrations, the same thing with a lot of identities in SAS, very optimized for getting you in the application, creating the integration, creating the data share, but little to no focus on cleaning it up afterwards. So you end up with this big mess. And we find on average, here's a stat we got from our customers. Ninety one percent of data shares have not been touched in 90 days and can just be closed. This certainly rhymes with kind of the material security thesis of let's lock down all your old email and make you put in a different password to get access to it. So I totally buy that this is how information works in our presence. But what we're finding is like CISOs will say, well, nobody's touched it in 90 days. What's the worst case? They have to reshare a file like just remove all that, just clean it all up, just sweep it all away. Attack surface gone. Well, I think Googlers who are coping with our changes in access control might take issue with what's the worst that happens. They have to wait for a reshare. But I can see how a lot of reasonable people would come to that conclusion. Yes. And it also sort of reminds us, by the way, it also this whole ghost of IAM barges into our conversation and roars. Sorry, I'm mixing ghosts and dinosaurs, but the point is that ultimately these are permission problems and I'd watch that movie. Yeah, it's not about bad SaaS vendor or bad customer. It's about over permissioning and not having the right IAM culture or access management culture, whatnot. So it's back to almost every cloud problem has an IAM problem behind it somewhere. Right. And a lot of it is just simply UX. Yeah. Huh. When I go to share a file, where's the option to share it for a day? Why isn't share it for 24 hours the default option? Why don't I have an option to share it for seven days, share it for a month? That's a profound thought. Expire after my calendar with this share, tie this share to a calendar event and expire an hour after it. Did we just give somebody a cool startup idea to build that and get rich? That's a feature, not a company. Right. That's what analysts say. Yeah. Yeah. Yeah. Fair point. So privacy engineering is already focused on this when just managing the performance of your mobile devices, your iPad will unload and shove over to iCloud your mobile app data to save space if you run out of space, rather than just saying you can't install this new app because you're out of space. Or if you haven't used an app for four weeks, five weeks or something like that, your Android might say, hey, it doesn't look like you're using these apps. Would you like to clean them up? So this idea of cleaning up unused stuff isn't even so much for security implications or privacy implications. It's just for performance on mobile devices. And I think that maps over pretty well to enterprise SaaS and cloud as well. Like Google. Google will do that. The first time I used GCP to run a workload, it told me you over provision this. You're not using nearly as many resources. You saw I am recommend you could save some money by choosing a smaller instance. I was like, that's the only cloud that's ever told me, hey, you're spending too much. We're not paying him to say this, right? Tim, just to confirm this is very organic. Very organic. But he's also not paying us to mention the balance, right? Like it's all kind of very fair. Yeah. Balance is up. Or he didn't pay us to mention his podcast either. Oh, that's right. Yes, exactly. It's all kosher here. I want to shift back onto the SaaS world and maybe ask if I'm a director and I'm bringing out a new SaaS vendor, what are the things I'm least likely to understand about securing it when I first start using it? And what should I do different? I think number one is understanding how the business is planning to use it. But I think there's an assumption in what you just said there that might not even be true. Maybe it's already been in use for three months when the IT team finds out that it exists or three years or something like that, right? Like sometimes SaaS is owned completely outside of IT and security IT are unaware of it. Who are the Salesforce admins? In many cases, they don't even work for the company. You hire like a third party group of Salesforce experts to set up your Salesforce and run it for you. First of all, you need to understand how the business is going to use it to understand how it needs to be secured. Because Salesforce, just rolling with that example, I think there's well over 200 different configuration options. And then you could extrapolate that to more if you take in all the options within options. So the least understood aspect here is that ultimately, when you say, hey, let's secure SaaS because you're onboarded it, you may then realize it was onboarded three years ago. It shouldn't be not understood in 2023, because again, I vaguely recall this whole people whipping up a credit card and buying SaaS going back maybe 10 years ago, maybe more. So it's a little strange how we are misunderstanding it for 10 years. It's more that it's been deferred, I think, by most security teams than that it's not well understood. Well, and it's not well understood because it's been deferred for so long. You'll have teams say, well, let's figure out patching first before we moved on. I was talking to an old friend of mine and he was telling me the other day he had to teach the Linux admins how to turn on patching in Red Hat. There was no repo enabled for updating software. What century is that? Yeah, I know. I shouldn't even say what year is this? Like, what century is that? Yeah, Red Hat Enterprise and no enabled repos, no way to apt update or apt upgrade anything. So that's where we're living where SaaS seems like, okay, like that's something I'll tackle in the future. But the problem is, most of our business stuff has moved there already. Workloads moved in two directions. The custom in -house stuff moved to cloud and then everything else moved to SaaS. And you have to have a really good justification to not use SaaS. Like, let's stand up this internal HR platform or are we going to use Workday or Bamboo HR, something like that. You're going to go the SaaS route. So if you're structured to top three misunderstood aspects of SaaS security, I guess maybe I'm going to reserve the number three for CASB just does it. So what are the other two? One of them is that they're all unique. There's no standards for SaaS configuration. Like in one SaaS, maybe all the security options you want are there. In another one, half of them are there. And in another one, you have to pay extra for the security features. Yes, exactly. You just had to make it even more depressing, Tim. Sorry. Yeah, my bad. So one of them is just the uniqueness of each one. Each one is a snowflake, pardon the pun, and you have to learn each one from scratch. On some platforms, for example, MFA is the one step process. You just enable MFA for an identity. And in another, you have to both enable and enforce it. And if you forget that second step, then you haven't actually done MFA correctly. What? Yeah, it's also Microsoft. Sure. I can see that. Maybe MFA is something you enable and then users have to configure it if they want it, or you can enforce it. I get it. I understand some poor PM who couldn't migrate all his users or her users or their users. That sounds awful. And it leaves us with this kind of situation. And there's different layers of enforcement. When I log into a lot of services, I get an option that says, don't make me MFA again for 30 days, or maybe ever. Once I do it once on this device, just give me an OAuth key that lasts indefinitely. And that's where we see cybercrime taking advantage of that. And there's a special kind of malware called info stealers that do nothing but sweep up all your SAS OAuth keys and sell them on a black market or use them to get into a company and deploy ransomware. So wait a second. I feel like we haven't talked about CASB enough. And the reason why we did an episode on podcast on SAS security and which we'll link in the resources. But the thing is that I was very skeptical. And again, maybe it's my old garden of brain or something. I was like, yeah, why are we talking about this new platform for securing SAS? CASB does it. And then, of course, now we have SSPM. So we have the CASB bucket. We have SSPM bucket. SAS security posture management. People, our audience have been beating on us a little bit for not explaining all the acronyms. CASB, I'm not going to explain. Acronym is kind of too embarrassing. Cloud access security broker. Tim Wood. Fine. That counts. But I'm not sure that explains it. It's meant to be software that helps you use cloud stuff securely. But it's the only security acronym with a B. So that's already kind of a little disturbing. Yes. Broker is a weird word to have in an acronym. Yeah. I mean, I think broker ended up in there because a broker helps you use other stuff. Right? It kind of makes sense. Anyway, go on, Anton. Sorry. So the question is, Adrian kind of quietly implying that maybe there's another category of SAS security tech that we need to have. So how does it all fit with securing SAS? Do you have CASB, SSPM, or other? Early on, long before I joined Valence, I referred to the new SAS security companies as CASB v2. And I largely saw CASB as a failure in what it tried to do. It pivoted a lot during its very quick and hot burn that it went through before they all exited. Isn't this too harsh? This is harsh. CASB as a failure is too harsh. I'm sorry. I'm not offended, but I'm like surprised. So I don't think we've yet seen us live alongside of CASB, but we do replace them. And we see this all the time in security. We see a category that's largely defined by one or two vendors, and then all the other vendors follow that model. And it's the wrong model. It's not a model that has market fit, that lands with customers. And then we see the next generation come in and try a different approach. You know, NT malware didn't take the wrong approach initially, but the adversaries switched. And if you didn't pivot quickly enough to the next gen approaches, when we got CrowdStrike and Silence and all that, you were kind of dead in the water. And we saw a lot of companies directly impacted by not moving quickly enough. And so CASB, I think they did start to pivot towards more API models than forward and reverse proxy. They were very excited. And I was very excited about the idea that I can adopt SAS, but not this feature. And I can add this feature, but the idea that they're taking away JavaScript and injecting JavaScript on the fly, I can do step up authentication where it doesn't exist. The SAS vendor doesn't give me that. Like I want to change somebody's payroll or change where it direct deposits. Maybe I want my CASB to require step up authentication for that. And you could do that with a CASB. Or I want to use Yammer, but I want them to use Slack for chat or Teams for chat. I don't want them to use the built in chat within Yammer. So you take away the chat box using an inline CASB. And just turns out, even if they said they wanted that, nobody took the time to set it up. So most of the customers I talked to, the use cases they would get around to that they would have time for were much more basic, much more simple. And I think the other thing that kind of killed it is the CASBs were very focused on shadow IT and discovering as much as possible, which became very overwhelming. We just talked about how each of these SAS needed though, right? Well, but it created a problem. We just talked about how every SAS is a unique snowflake and you have to study and understand each one to be able to configure it correctly. So now I just told you, you have a thousand. I discovered your entire long tail of SAS use within your organization. Where do you start? Whereas now you look at this current gen of SAS security companies like ours, it's very much more focused on Microsoft 365, your Google workspace. There's a lot of work to do there already. And it's much more of a hygiene governance focus than discover all your shadow IT and lock it down. So much more business enablement, much more like, hey, we're going to let the business continue using the SAS, but we're going to give you the visibility you need to go in there and without disturbing them, without killing productivity, going in there and fixing things up as you go, rather than come in as blockers. Well, Adrian, this has been a fascinating and wide ranging conversation. We are unfortunately at the time where I have to ask our closing questions. One, do you have a tip to help people improve their SAS security? And two, do you have some recommended reading for our listeners? Yeah, so the tip, I would say integrate identities as much as you can. Don't let people use the native stuff. Then you don't have to worry about a lot of the built in SAS settings like MFA and stuff like that. If you push everybody to Okta or push everybody to Google or Microsoft, you can rely on the configuration you've already done there and get the benefit of scale from that. So take advantage of single sign on and integrations like that, that take some of that work off your hands. What was the second question? Recommended reading. Well, so recommended reading, we do have a report that goes through a lot of the stuff that we're talking about. It's got examples of breaches. So if you look for the 2023 Valence State of SAS Security report, it has examples of breaches to go along with. A lot of the stuff that we've talked about goes through the different use cases that we see in SAS security. We kind of break it down into the different components, misconfigurations. We talked about identities. We talked about external data sharing and also integrations, those SAS to SAS integrations that you wouldn't see in line and then has all the data that we pulled. I got to play with the data that we actually got from our customers. And I mentioned that 91 % stat. There's a whole bunch of interesting stats in there that are in that report. And then we give recommendations and predictions. And one of my predictions was that AILM will lead to an explosion of new SAS. So there'll be more than ever to deal with. Got it. Adrian, thank you so much for joining us today. Listeners, thank you for joining us on the live stream. I see lots of fun comments. I want to thank everybody for the engagement. And Adrian, your fellow podcaster in the security space, Rafal Los, is calling you out on some of your comments about exits and the CASB space. Well, he has a podcast too. So you know what to do, Raf. Raf knows what to do. We'll all get together and argue about CASB. It'll be great. God, I was going to say that'll be a great time. I don't know about that. All right. Thanks, folks. Depends on your perspective. Yeah, sure does. With that, thank you all for joining us today. Well, thank you very much. I appreciate it. And now we are at time. Thank you very much for listening and, of course, for subscribing. You can find this podcast at Google Podcasts, Apple Podcasts, Spotify, or wherever else you get your podcasts. Also, you can find us at our website, cloud .withgoogle .com slash cloud security slash podcast. Please subscribe so that you don't miss episodes. You can follow us on Twitter, twitter .com slash cloudsecpodcast. Your hosts are also on Twitter at Anton underscore Chiwaki and underscore Tim Pico. Tweet at us, email us, argue with us. And if you like or hate what we hear, we can invite you to the next episode. See you on the next Cloud Security Podcast episode. Bye.

Timothy Peacock Anton Chuvakin Tim Wood Adrian Sanabria Anton Adrian Rafal Los 30 Days Tim Pico Seven Days Cisa Four Weeks 24 Hours Ailm TWO Ipad Five Weeks Valence Threat Labs One Step ONE
Monitor Show 15:00 11-12-2023 15:00

Bloomberg Radio New York - Recording Feed

01:49 min | 2 weeks ago

Monitor Show 15:00 11-12-2023 15:00

"Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 % rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Great subject to change. Learn more at ibkr .com slash compare. 24 hours a day at Bloomberg .com and the Bloomberg Business Act. This is Bloomberg Radio. This is a Bloomberg Money Minute. WeWork's bankruptcy filing is rattling the market for office space. These property owners, it's the last thing they needed. Ruth Kolpaver is CEO of Wharton Property Advisors. She says WeWork's filing allows it to walk away from some leases and renegotiate others downward. These properties are going to be reprised and some of them won't make it. The economics just won't make sense. The leases, where a new tenant is willing to lease the space, won't cover the building's operating expenses and real estate taxes. Kolpaver also says this could mean the end of the road, especially for some older, more low -tech buildings. WeWork often rented for the co -working spaces it then leased out to others. They'll go back to the bank and who knows what will happen to them. I mean, some of these buildings could really, could be demolished and they'll start from scratch. Meantime, real estate analytics firm Green Street says even before the WeWork bankruptcy filing, office prices had tumbled 21 % in the past year. Denise Pellegrini, Bloomberg Radio. Melissa from Michigan. I work an extra part -time job serving lunch at my child's school, but I still can't afford to put food on our table.

Denise Pellegrini Ruth Kolpaver Michigan 5 .83 % Melissa Wework 150 Global Markets 6 .83 % Wharton Property Advisors 21 % Bloomberg Business Act Ibkr .Com 200 Plus Countries Interactive Brokers Green Street 24 Hours A Day Bloomberg Radio Past Year Kolpaver Stockbrokers .Com.
Monitor Show 14:00 11-12-2023 14:00

Bloomberg Radio New York - Recording Feed

00:28 sec | 2 weeks ago

Monitor Show 14:00 11-12-2023 14:00

"Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 % rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Great subject to change. Learn more at ibkr .com slash compare.

5 .83 % 150 Global Markets 6 .83 % Ibkr .Com Interactive Brokers 200 Plus Countries Stockbrokers
Monitor Show 07:00 11-12-2023 07:00

Bloomberg Radio New York - Recording Feed

00:28 sec | 2 weeks ago

Monitor Show 07:00 11-12-2023 07:00

"Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 % rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Great subject to change. Learn more at ibkr .com slash compare.

5 .83 % 150 Global Markets 6 .83 % Ibkr .Com Interactive Brokers 200 Plus Countries Stockbrokers
Monitor Show 00:00 11-12-2023 00:00

Bloomberg Radio New York - Recording Feed

00:28 sec | 2 weeks ago

Monitor Show 00:00 11-12-2023 00:00

"Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 % rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Rate subject to change. Learn more at ibkr .com slash compare.

5 .83 % 150 Global Markets 6 .83 % Ibkr .Com Interactive Brokers 200 Plus Countries Stockbrokers
Monitor Show 23:00 11-12-2023 23:00

Bloomberg Radio New York - Recording Feed

00:28 sec | 2 weeks ago

Monitor Show 23:00 11-12-2023 23:00

"Interactive Brokers charges USD margin loan rates from 5 .83 % to 6 .83 % rated the lowest margin fees by stockbrokers .com. Their clients can also earn extra income by lending their fully paid shares of stock. Join Interactive Brokers clients from 200 plus countries and territories to invest in stocks, options, futures, funds, and bonds on 150 global markets. Rate subject to change. Learn more at ibkr .com slash compare.

5 .83 % 150 Global Markets 6 .83 % Ibkr .Com Interactive Brokers 200 Plus Countries Stockbrokers
"200 m" Discussed on Talking Tesla

Talking Tesla

04:07 min | 2 years ago

"200 m" Discussed on Talking Tesla

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Apple Tesla thousands new york apple Sean This week march twelfth Julie two hundred michael tesla itunes two scenarios twenty October of twenty five seven two one march
"200 m" Discussed on Talking Tesla

Talking Tesla

05:13 min | 2 years ago

"200 m" Discussed on Talking Tesla

"We talking about. Some sort of why we're not zone. Hor the observers of the sport like the super bowl tracks one hundred thousand people. And if you're at twenty five thousand stalls man there'd be one for every one for four people. That'd be awesome okay. So we're twenty five thousand bathroom stalls in a football stadium okay. You didn't do that well. I'm just going to throw that it's just it's user error user listening right now please ryan and no one's listening listening it doesn't matter so electrify america. Volkswagen penalty. money has now done absolutely nothing since the last show. The numbers are still zero. Added exactly the same. Yeah probably because the only update once a month. Because they don't have much to do all right let's move onto potpourri when does electrify america become a problem for the rest of the world. What do you mean it's never well. The lack of them. Oh it's already a problem people. Just don't see it by your f. One fifty and drive to nowhere tip home then sue but doesn't what we want. We want we want you to tell me what you meant. 'cause we've been kind of funny. What do you mean about being a problem. The problem with all of these cars coming up volkswagen's ford reince not having access to the twenty five thousand tesla's stalls which we all know is still at all time still problematic. A tesla level three stalls. Whatever probably around here more when does it become. When is it an issue like. When did they already need to be at twenty five thousand in sort of hopes of the mar- like where all the mach and the f. one fifties gonna charge if they start to produce them in hundred thousand volumes per year. I think the great hope great white. Hope if you will really is going to. I can't believe he is the I think a great hope is maybe the funding that might come along to bring whatever we have..

twenty five thousand ryan one hundred thousand people Volkswagen volkswagen one four people zero once a month hundred thousand volumes f. One fifty twenty five thousand stalls twenty five thousand bathroom f. one fifties electrify america level three super bowl tracks tesla reince
"200 m" Discussed on Talking Tesla

Talking Tesla

04:07 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Alright to half speed for lord. We already do letters except we didn't do reviews super charger. Update so mel. How many new superchargers have opened since the last show which you know was only what know six days ago. Yeah well case six times for so alive. He's the favorite. My is thirty five in six. That'd be wrong. It's not thirty five you to go next. I'm going to go with eleven eleven looking number thirteen thirteen days since he says thirteen off. Mike yes which means no one heard. Does it get you that again. No one heard him go under. did i ask you. you didn't ask to move over the The number over give him. Yes one say. Wow ooh ten. Which is an amazing number. Six days. six days. I was closer. We know but without going over yeah. That's a fucking rule. You just made up. The middle of the price is in california. Isn't it every good. That's the rule and your joy love in california so we got canada norway germany four in the united states austria israel and the fourth for the united arab emirates and joe will do every single one of those accidents right now. United states okay. That's my germany. Need.

california Mike six Six days six days six times united states six days ago canada United states fourth austria ten thirteen four germany thirty five norway joe thirteen thirteen days
"200 m" Discussed on Talking Tesla

Talking Tesla

05:38 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Like we talked to say frappes shakes what we call them. Now when you say. New england do you mean. England like salute cry. You go two blocks from here that that big thing on which all the cars are driving the turnpike anything about the highway or the freeway. Yeah there's stuff. What was the question about gigafactory back. Already the gig. I want to know they just going to always be thirty percent done like they are in nevada but that appears to continually be thirty percent done because they just cannot staff right like. That's still the issue in nevada is they cannot staff it. I don't know why they can't get the the solar the roofs at least fully. But that that's what it sounds like. It's all about supply strained at the tesla giggle evidently from the prices in the rental rates in austin texas. There are a lot of people going that way in anticipation of work. Not just from tesla. But i think microsoft is building. Yeah there's a lot of nearby there's but this gigafactory is giant. I'm going to give a shout. To joe tech meyer. Who puts out a video like every third day and it's amazing. He was flying around almost inside. The gigafactory on this picture is like an alley between two of the. I think this is at the northern end of the property. Between these two buildings he flies the drone straight up that alley and And actually just today or yesterday. I saw a tweet from somebody inside the factory showing how much rain was coming down. It was like a waterfall off the unfinished roof. It was crazy. So i guess they've had a lot of rain there and that's kinda slowed things down. Wasn't there also what was alien going on about. He was pissed off at berlin. Because they're slow to build this thing because of issues to revisit. What was the issue with the issues. Well he was he was upset with the and this is when we were on hiatus. But this was when this was like in april. Marcus right dave. When it's us with the slowness of approvals so that they get certified to be in the building and he just sort of went off a little bit on them just a. I'm guessing probably tactically to put pressure on them to like start moving faster and since then maybe like two weeks ago. Three weeks ago he was there and they had a combined moment and said. Hey everything's working fine. We're happy.

nevada thirty percent yesterday microsoft today april Marcus Three weeks ago two weeks ago tesla berlin England two blocks New england two two buildings third day austin texas gigafactory tech meyer
"200 m" Discussed on Talking Tesla

Talking Tesla

03:42 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Ribian is delaying. Its reveal or launch or delivery of its first vehicles. They say a month but in this article from electric. When i hear that. I kind of think it's been a hard day's night when you hit the spring through sorry. I didn't have my headphones. Mel's here by the way to see you know to say something funny. So ribian has confirmed that the are won. T is going to calm a monthly or not this month june but in july. They're going to make their first delivery but no significant deliveries until twenty twenty two. So i guess they're gonna trickle them out the pulling tesla on us and they have three battery packs. It sounds like they're going to be doing the same thing. As tesla delivering the four hundred plus mile. And the three hundred plus mile versions. Those have one hundred and eighty kilowatt-hours and hundred and thirty five kilowatt hours respectively. And i mean it's a great truck i'd love. I'd love to go camping in that thing. I'd love to go camping period. But i would definitely love to go camping in the region. That's pretty sweet. I guess it would just depend on. Where again if we're talking about what is its capabilities are people are going to be moving taking suspension out i. I don't know what it just camping camping like normal forest road camping. Not like over landing type campings overlending peop- people are very excited about ribian and i hope they do well. They all need to do well right. That's the whole point. And that's why i asked the question. About how many vehicles tesla can make because washington is replacing. The fleet cars is thirty million vehicles a year. Thirty million vehicles per year general for cars will last longer though so you have to start shaving that down a bit. Hopefully yeah. we'll figure it out. But i mean i think that's the benefit of electric as they might be less over time and then autonomy there might be less overtime. God we're not gonna talk about stop. You brought it up. I can see the look on your face. Don't look at me like that. Okay what are you doing. You're in the room. Okay all right. Oh my thing else about the riviera. I mean yeah. It's it's exciting. But like how delayed is the ribian winded we go. When did i break the review in a bit launch event up at the griffith park observatory. He was like at least two years ago. Twenty nine hundred before the twenty thousand nine l. a. auto show november. Like something like that. Yeah snap. I can still hear it. Oh my god like the just my brain like when it happened. I was like oh my god. I can't believe. I groped truck. I guess a handed. You missed that one so i can recap it. So we went to the the riviera event at the griffith observatory and they were like. Don't touch the truck but people were touching drunk and they're all kinds of thing and they had the franck of the trunk open and had these little metal hooks in it after. I don't your your garbage bag. What shopping time. But i was like. What's this for. And i like flipped on open and it just went and like the. It was basically like a grocery hook in like a plastic enclosure and just snapped the whole thing out. It was all like three d. printed like prototype and the auto show is literally the next day and the.

Thirty million vehicles july first vehicles four hundred plus mile first delivery two years ago three battery packs hundred and thirty five kilowa three hundred plus mile june next day this month thirty million vehicles a year one hundred and eighty kilowat november Twenty nine hundred riviera event griffith park observatory Mel ribian
"200 m" Discussed on Talking Tesla

Talking Tesla

03:15 min | 2 years ago

"200 m" Discussed on Talking Tesla

"The high end of the the would call that When you do a whole bunch of stuff at once. Cdl scale yeah. It scaled up completely. And so the only reason i think they're not giving it to. You is because they don't need to. The cars are selling so fast they can barely keep up but when there's no longer any battery constraint and it's time to drop the axe the rest of the way they could just say everybody gets full self driving for sure but there's also they're leaving potentially leaving money on the table because they could be charging mel five thousand for all of those other features and putting fasd in the in the bank right for later like they did when i purchased my car all the margins in the in fasd or all the other autopilot features. So i think they're going to try to melt that for all it's worth battery wise. Yeah i mean. I don't know if they're a super cheap than you know they're going to figure out. What the rangers. Everybody wants and they'll just have that as the rain number for cars. Yeah well. I can't imagine show don't know what to do so neyla question is here's the question i've got the question. Nobody else has a question. I've got the question. What's the wait. Hold on wait meller. You are about to ask us the question. What's the deal with leasing full self driving because most of the time. I don't need any of that stuff. Because i'm just driving around town. You know doing nothing. But every now. And then i want to go on us and i might want some of that stuff. They by the day of the week the l the month i mean i give you the answer to that question right now. The answer is no you buy it or you don't have it. But he said leasing is coming. Okay okay next week. Potentially essentially next week day week month out. That's interesting pay a month and is it going to be leased to own. It's probably to know it's least delays. I would do at least to own which means like if let's say you bought it for a month and it was two hundred and fifty dollars that goes towards your ten grand. It's going to be a lot if it's gonna be fourteen if they're gonna increase it to fourteen thousand and you sort of even amateurs it over three is. It's going to be like three hundred bucks a month. It's a lot of money. I did the numbers. So they're about to announce a price increase again. Why do they keep doing this. Long thing. that he doesn't exist it you ask any amount of information and exist anyway. Zero divided into that number is infinity. So just ask whatever you want. It doesn't exist but it doesn't make any sense. I don't can somebody. This is look this thing. That doesn't exist is ten thousand dollars but don't worry because two weeks from now when it doesn't exist fourteen thousand should get the ten thousand one that doesn't see so simple mind going to go up and if so can somebody in this room. Lend me five k. I wanted eventually. I think i think do i've heard numbers like two hundred bucks a month. I don't i don't buy fourteen two hundred bucks. A month is twenty four hundred dollars year. You'd have to leave that thing for six plus years about six years..

ten thousand ten thousand dollars five thousand fourteen thousand next week six plus years twenty four hundred dollars five k. fourteen two hundred bucks ten grand two hundred and fifty dollars two weeks three hundred bucks a month fourteen Zero next week day neyla two hundred bucks a month over three a month
"200 m" Discussed on Talking Tesla

Talking Tesla

04:37 min | 2 years ago

"200 m" Discussed on Talking Tesla

"You know. That's why i didn't know if i heard the whole question just in case that's why i'm going to so we're talking about taking away sort of aura pilot features in the new autopilot which is not fully. So if i were to spend right now. If i were to spend in my particular car the five thousand dollars to upgrade the things that they're saying exists are have you that out that i have the initial like enhanced. Self-driving paid five thousand dollars for but not the full self driving upgrade. because of. i'm in a weird spot. I'm a very nici spot but it includes so what would what they're saying would come. Would be navigate on autopilot. So that's not included in in your vehicle is navigate on autopilot doesn't exist in the in the extra era about to lease auto lane change also doesn't exist in the vehicle that you're about to lease auto park doesn't exist in the vehicle that allowed to leave some in doesn't exist in the vehicle you're about to leave traffic light and stop sign. Control doesn't exist in my car but also won't exist in vehicle that you're about to lease and the last bit that's coming soon. According to this upgrade is auto steer on city streets so my car has every single one of those things except for traffic light and stop sign control which is something that was created after way after i purchase my vehicle anyways. So it's just it's really more about what they've added versus what they've taken away in general as the sort of what we wanna call it. The the the auto pilot program has mel would you. Would you get it once. Yeah once it looks good There's a couple of things that actually do use sorts of wife's cow so she doesn't use a lot of that stuff but the auto packing on a on a bad poker. I think we established that on episode one backing in the order lane change even not the much order was the semi or i were mike..

five thousand dollars mike episode one every single one of those things couple of things
"200 m" Discussed on Talking Tesla

Talking Tesla

04:57 min | 2 years ago

"200 m" Discussed on Talking Tesla

"A market here for these delivery. Vans this e. transport only has like one hundred and twenty five miles of range. You have a tech take you all the way across britain which for sure but even further the average post office might guess. They're not doing that kind of mileage. Every just for the coin because it's the royal thing insist point. Yeah that's it. it's just the coin. That's funny the queen trying to say wayne coyne clean clean give. That's actually not bad. I mean we're talking relative to the last s horrible horrible on the plane made was no talent was no talent and you survived. You must've had the volume turned way down at two x that this is cool like this article is great. There's photos their nice red trucks. They look like the and they have a lot more internal capacity. My guess is because they don't they don't have any ransom issues so they can carry the the larger volume of packages. But i think you know. I see tons of these amazon. You know vans which are based on the sprinter to laugh forms so my first comment is does. This mean the postman doesn't get bit by. The dog is much because a dog doesn't even know he's showing up. That silent van is coming and pair. Dog doesn't even rests. they'll asleep. He tries so hard in the postman tiptoes up and delivers the mail. And the dog. So i think the more extra get bit more often. don't talk. don't second question is does the amazon delivery guy. Get bit or the fedex delivery person get bit. Mine doesn't because they held that thing from about fifty to talk about the door. Dashers and the uber. Maybe because of all of the dilution of delivery people the post men and women are like i mean. We are so much better now. I'm gonna take door desk. I go in i..

amazon uber first comment fedex wayne coyne second question one hundred and twenty five mi two x about fifty
"200 m" Discussed on Talking Tesla

Talking Tesla

05:32 min | 2 years ago

"200 m" Discussed on Talking Tesla

"That can figure out a couple of places so it's not a big deal but ultimately still infrastructure is key and that's why ford pressed on saying that they have the biggest one because there's a lot of folks out there that don't know what that means yet so A friend. We'll call him ryan. We'll call him ryan because that's and he wanted to get a new car and he's like should i get an electric car and we went through it and ultimately i said no don't bone electric. Why because he goes into deep sierras and backpacks and goes way of greeting often goes for ten days at a time and unlike was talking strategy. Could you understand so. I think the people like that still the charging network. Even for tesla. There are places in california which is more tesla's a more charging stations. Anyway where it's really hard to go into the deep duck outback and feel confident that you can drive all the way in the and stay for ten days and drive all the way back with the current infrastructure. I don't know where ryan is going. But if he's back packing a that doesn't take any charging right so he's somewhere but what you've got to drive in there and then you park and maybe two hundred miles range and it's really cold and you know that you can have a significant amount of vampire drainage while intend and that's anxiety producing and most people like i don't want to deal with it now into the cyber truck though with the big solo bid that could put up to forty miles a day in it. That changes the game. Yeah but i guess. I wanna do some follow up like what we're ryan's options like so a model y with three hundred plus miles wasn't it wasn't it wasn't that riven getting close if it got five miles but it's an audit yet so he decided to get a hybrid fennell and then nixed 'cause i told him off talking to ill on an island is going to get a six hundred mile card for this. I spent a fair amount of time in the deepest parts of year. That you can actually get to you. And i just don't see the range thing i see access drive drive there. Yeah i drive my truck there but because of the roads not because of the range the type of road not because of the range. I want to be very very specific about that. If i had a model y and i wasn't going in like heavily rutted and rocked out roads. i would take the model. Why because there's plenty of range joe from bishop into where i go. It's it's not a lot of miles and we're gonna talk. We're going to do a cyber truck Article next at some point if we ever change to another friend we'll call him. Joel coen joe. Because that's his name and.

five miles california two hundred miles six hundred mile ryan Joel coen joe three hundred plus miles ten days tesla forty miles a day of folks miles places
"200 m" Discussed on Talking Tesla

Talking Tesla

03:50 min | 2 years ago

"200 m" Discussed on Talking Tesla

"It's it's hard you can't necessarily charge in your in apartment building apartment building that is still a huge barrier and if that could be fixed that would be less of a barrier and the only way to fix things seem like mandating needs to happen like somebody needs to mandate that that is allowed. Like if you're willing to put that money into your building that you live in. They should allow you to be able to do that in a longer. Extension cord won't fix it but not like the the biggest so there are these like four major spiked since june. First in the sort of ev conversation. Yes in general that was part of this article and one was tesla model. S was the first av to achieve four hundred million plus on a single charge and i assume that was one hundred percent just mel very excited that something hit over four hundred miles and just searching searching searching constantly just refreshing his twitter and then the next one and this one is the second biggest was bts talking about hyundai vs and beats yes. Is the korean k pop band. Boy band is that's what bt s so they came out with hyundai. And i think they did a commercial and they were talking about and that really drew a lot of traffic overall on social media towards that and again the there was another one where bt as again talked about the ionic and they presented the ionic and that gave it a little bump but the biggest bump of the last few months since june first of twenty twenty was when president biden announced the replacement of state vehicles with the ev. So this shows that that sort of leadership really has a major impact on the overall conversation right and it's all outside of this talking tesla nation bubble. It's outside of the electric bubble outside of the evening news. Specialty news bubble. And that's the another point that i wanted to make was that. So many of us live within this bubble that we don't know that some k pop k pop band is changing the media landscape over vs. So i think this is one of the places that alon i hope because he listens to the show. We'll take note that advertising putting tesla on the nba finals. There is a reason for it. It does bring people to electric vehicles to consider because they said that when gm announced the hummer and ford announced the f. one fifty and there was one other that those are big big spikes in interest or at least looks at electric vehicles. I know tesla has got like a free ride when it comes to You know advertising so to speak. But i think that they could step up. They.

one hundred percent twitter four hundred million june june first hyundai First first over four hundred miles korean second tesla one president biden single charge last few months f. one fifty gm ford nba
"200 m" Discussed on Talking Tesla

Talking Tesla

04:58 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Let's let's talk. Let's talk tesla. Instead of letters to talking tesla we're going to start with a electric vehicle growth. Robert put this little Story in here from pulsar platform And it's basically about how public opinion. How the ev. The world of ev is more on people's minds. Well that kind of what. The gist of this article is in european sort of it. Sort of represents the paradigm shift so when ford and general motors were battling it. Out in the sixties and seventies it was about print advertising and maybe getting some really cool looking people to sell their cars on television and the whole paradigm has shifted just like the same paradigm of how transportation has shifted towards your electric vehicles and and high end focus on engineering to make your.

Robert sixties seventies european ford tesla
"200 m" Discussed on Talking Tesla

Talking Tesla

05:51 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Who would not have actually none of whom have ever turned a wrench in your life not true not true not true not true or even any tuning to talk tuning. Aluminum co covers trumpet. That's i can. I can do a mean toon. So i'm gonna. I'm gonna say he's not rate just about that i. I think he's talking about cartooning. We listened to it several times thinking that we had missed some context for your assertions. How many times did they listen to it. Several times. That was awesome. That was a one hour and forty minute show time or maybe just listened to that one part where we we shit about sandy and by we. Let's be honest we're talking about joel and it was really me. We're smart enough to not show up for that episode. Let's see you've scraped into some sort of greed base gumri at sling mud. It's my axel community. Tesla needs right now. We need this right now. We need sandy monroe. We need slinging ryan surge forward In its latest projects. There's a long way to go yet. Tesla and actually those tesl a the stock stock symbol. So there's a long way to go for for the tse stock. I guess away from yourself center. Yuppie angst the newest crap. How many tesla's have you guys got literally torn apart and evaluated and then offered a set of evaluations papers for producers consumers to study none but you have said something about how sennheiser audio products related a related. Ingrate de i said something heiser mike. Okay and i saw. Let's get to the point of this. Is you guys talk about sandy. And this young person gentlemen whoever it is could be a woman i said person okay. Es one nine one one somewhere. That's the guy's name all over all over the place. Usually whoever doesn't much matter like wasn't very happy with what you guys had to say about. Zanny monroe okay. Fair enough but weird just weird in general like the whole thing about like us being greedy because we said something about another person so actually tried. Commodore them like look. I think he misunderstood. We all love santa monroe where you think he's really important and and so i sent that out there. I'm like so. I think there's a misunderstanding. It and response. The response is great. Gutter the response to that was mel. Herbert what was said is on record. You can spin it but you've already lost any credibility as people of any sort thank. God thank god beyond musketeers. That's fine but it's interesting to see how you see. You see brains. That means you see branston calibrated breath a message into art of war. Good luck your done. First off not done yeah. He didn't even make this comment on the podcast channel. He made it on youtube which wasn't related to the chip any who. Yes you guys said some things about sending monroe being a a interviewer okay. You're entitled to your opinion..

Zanny monroe Tesla santa monroe one hour youtube tesla Herbert joel First Ingrate de sennheiser forty minute sandy monroe one part sandy branston Several times axel mel nine
"200 m" Discussed on Talking Tesla

Talking Tesla

05:14 min | 2 years ago

"200 m" Discussed on Talking Tesla

"Talking tesla hawk has. I'm not sure if i should be on the free or the sellers. Each put ratings on. It must be some sort of geometrical algorithm there know. I'm sure this math. So spacex excuse the deal landing On a drone ship is charter. China an expected to drive a car without our pilots charter. China chano could hug a tough. I'll be the first minute. I think that this is a company that has grown by superbeets holy cousin east to because this kept that you've got a model eggs seen the future and it is life. Pull charge. I wouldn't call it a screw up. Do you like your model at go. Hey people here. It's time for episode. Two hundred visit huge. This is big and this is love. Just tell you. The one thing is quite a lot of language in this episode.

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"200 m" Discussed on Podcast RadioViajera

Podcast RadioViajera

03:20 min | 2 years ago

"200 m" Discussed on Podcast RadioViajera

"Podcast. To and second hour so is simple for you. The local level of venture capitalists can anyone in the nato. He entered the until you natal. Biddle but if i were to attempt banta mediocre podcast a move one about a multimillionaire bible. Just the the apple. Podcast when i gotta than they got equatorial concer- dondo l. finale ten three d. c. Mambas as soon is not can be companion civil north central hippie. Your after mass tagus fantastic were fairly sita's cns but the middle and take it s the deal you support at the point. Mukasey son to go out to tackle. Listen know mutism as key. Anthony quinn tunnels. Don't look into the way Forgot to leave. It'll also kosovan into the santa.

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"200 m" Discussed on Podcast RadioViajera

Podcast RadioViajera

02:27 min | 2 years ago

"200 m" Discussed on Podcast RadioViajera

"Three seattle docomo voluntary achey a yeah but oughta rattle mercy. Eta remember north accident. They learn about the movie and brower. I'll i'll let i'll let you said in on the us llc and take the obama. And i'll go passer in three that. Then they lemus preliminary king on a permanent and they're an integral canedos a a initial loonier saw in all says in a center fast and one guy relatively that joel cryonic lead. I'll go a key dima disease. Look your body body mobile. They don't need then. Long career lagoon guessing the bengochea. Either neal's who that ski get more candle daily s qantas catheter. Nadia did a restaurant sabbath till the it to the manatee matica they one but look at the movie and key suspects all into something that they to say in an hour hero. Nato's they the me going on able candlelit seminar. Lisa's y'all mauvais veil on the e. l. initial universal he signed contract to gain but mueller the super duty l. Super kid incorporeal will eat. Put allow a job. When i came some holy sarah huckabee not applicable alison on cuba. Also located of nearly one dollars on some with women come out with it the komo komo now in panel not solomon the poverty tallec from the thousand okay as sia gone on the horizon mcleod. Lose good okay. Even casa interest in local eastern nato. Cally sunday at three other neutral on the e one combined with eloquent associated career. You look you getting unit podcast. Moot angry with but at the moment meant me. Gay my komotini mobile to near the internet theralac persona guitar..

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"200 m" Discussed on Podcast RadioViajera

Podcast RadioViajera

03:43 min | 2 years ago

"200 m" Discussed on Podcast RadioViajera

"New got into the podesta. Your comparison vacate look too low simply the lead fundamental zinc unto lola Via telephone annoyance in three. Go putting the korean telepath. Senate leader enor- for laremy. Untapped paramedic expense genesee leader in a sector. Went there in a latigo villanova salmon. Soon elbrick fundamental by editor mental could immune to those as joe knock rayo de esto to they the conflict. Oh i yeah. It took sally novel our look. At justice john doe komo owned by iskhanov in deduction ciancia komo teela carlotta cinema pedal. They think the former the neom though etape reject oh callapollo looking cantata regla again to predict about it okay super normally heinous sedate ihnassiya so pretty made up one mentally there but can cause for the nato but you happen though i keep up the majority of the holidays but i said at the volcano mhlangana looking three. Now say see we don romania or throw or pursue docuseries ceremony gibo brigade the nematollah tormenta several a segment saleo bagel. Not okay. Well known secret. Who beta guy. Golic tokyo savvy. He di say kick. It would also bring it y- because american duncan process met with the gift consequential that the conflict of forgive buff kikkan it. Dr phillips and harvard delayed extended to predict it board birthday conflict to mattila. No looks fica. Foil could see when you look all day but a vincula political antonio dominica the logan new granola cycles as ending list to bid on lead dull day high supernova team asia it Aided al lupita contol liuqiu as though in through a persona q. And asset but the echo here on on alumna caveat. Them books towel nash. Meet get hoven elliott. It had the big toe board toa a luma cucumber kitchen. It and says he will vote to elevated to s toyland revival of that does bob kitchenette sabbath your immunity tyron into photo i said motto. Memento the fica unimportant this sector in the six thirty percent medicine center under medina key dog but he won't they say gotta though nuggets biden episode or in the middle of toss. And we the aussie but an assorted Maybe one day seventeen. Douglas also coming in incumbent foot. Laterano mia let me go on but poco sanyo's dacuda into an expansion acela. You'll likud him into us. On the heath is the undivided abreu need l. proxima can be league mass allure. They wanna say this my inaugur. Pundit gate was on the heat's not uncomfortable..

iskhanov Douglas Senate six thirty percent seventeen korean bob volcano mhlangana one day john doe komo harvard phillips genesee three lola medina key dog american duncan process romania dominica regla
"200 m" Discussed on Podcast RadioViajera

Podcast RadioViajera

04:30 min | 2 years ago

"200 m" Discussed on Podcast RadioViajera

"Maybe it'll be fanciest. I thought galaxies gaining control lowering him in either nba valid and lead in control at the wanna. See parrella fe thus is alumina. See the the bladder into famous easter. You went in three komo. Vaccum beyond over unity. Impulses thirty analysts interns. This location rita levied for food i mean barra likud immune of the lack sponsoring the universe. Do compagno unpredictable. Antono low gone. Lagace on delayed in woman looking concerned predictable antonio low s case sarah supposedly saddam sympathy supernovae supernova. People are get dna in today. Lv jaw maximo allusion day. Lonzo ball noah and submit. Golly ravalomanana is somebody sir by because he region is anita to al d. Thousand in those so really so if you're mainly does a galaxy louisiana's gifford on implantable. Oem they said cynthia to work in their see us. Data's antonio's locate supreme. Anton dangled three perc- get in. Get an tarallo about the woman. Told khan cosimo psycho me come. Mcphillips compatibility look Super nova's their way too. Low low complex photographic us kato marlon. Black avai- grasso granville. Cielo la la la allow a latino. Our impo boost k. Iverson tiago follow your don say keyboard or designer lutfullah. Lou a marina vishnevsky hubadoo it only give sauna llanelli sawan either somebody that in iran super noah's gwen of character so get syndicate will assemble and weather here. Cecilia the asya boga. The they lie anther simple the loose cosimo via la lewis hamilton. Ponce amartya internal in contrast with noah. Saying we're gonna kill the end. Somebody said the debatable. See it again. The land fallow via's eon the lottery seattle. That won't let me think. Noah i said pastula put it the activity. Saddle could went rookie. So pretty until the caridi character salvanto super north people nor donatello a parameter in a moment ago boy year. Cuando me confidence that sort of thousand. What those who kneels coordinator for bob kitchenette e solo. No armories danila. The vegas people. The disaster would not bonar gonna metal matagorda khalid assumed but apple literally ounces shuttles million crossover us it more than what they already go get supervision pero nothing that endorses castiglia rogun amodio compared with that does that. Also the mutcherson. You'll down a little. No teak or Will allow further ahead alone. Hosmer e heidi sin control over not the either our marathi debris got noah eve even civilian sidley saccomano. Guglielmo stunner candle. osamu villa thunder when went goto labor. Tarlov that does gave it hoi in persona the divide may and don't libertad key novel the ascending colorado. But i get you ready. Forgotten a sutra mathematical ulama. Perfect on the mighty and we will not let your connector that does give us all of the hidden owning curricula of that maloka perfect game. Apu leaker here. You might not know. Yeah okay. I want it to what they hit an attic. Combat cecil commerce center conversation. Mario me who only keyboard the whole dabbler politica nordisk salga league but k. a..

Cecilia danila matagorda khalid Guglielmo stunner today Anton thirty analysts lutfullah noah Ponce amartya pastula Tarlov marathi Noah Hosmer e heidi k. Iverson sidley saccomano louisiana Lonzo solo