1 00:00:01,280 --> 00:00:03,520 Speaker 1: This episode is brought to you by P and C Bank. 2 00:00:03,920 --> 00:00:06,680 Speaker 1: A lot of people think podcasts about work are boring, 3 00:00:06,880 --> 00:00:10,719 Speaker 1: and sure they definitely can be. But understanding of professionals 4 00:00:10,800 --> 00:00:14,040 Speaker 1: routine shows us how they achieve their success little by little, 5 00:00:14,440 --> 00:00:18,040 Speaker 1: day after day. It's like banking with P and C Bank. 6 00:00:18,560 --> 00:00:21,360 Speaker 1: It might seem boring to save, plan and make calculated 7 00:00:21,400 --> 00:00:24,479 Speaker 1: decisions with your bank, but keeping your money boring is 8 00:00:24,520 --> 00:00:27,840 Speaker 1: what helps you live a more happily fulfilled life. P 9 00:00:27,960 --> 00:00:32,800 Speaker 1: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly 10 00:00:32,840 --> 00:00:35,479 Speaker 1: Boring since eighteen sixty five is a service mark of 11 00:00:35,520 --> 00:00:38,760 Speaker 1: the PNC Financial Service Group, Inc. P and C Bank 12 00:00:39,159 --> 00:00:41,360 Speaker 1: National Association Member FDIC. 13 00:00:43,159 --> 00:00:46,200 Speaker 2: We have to talk about Apple. The rumors of its 14 00:00:46,200 --> 00:00:50,600 Speaker 2: decline have been greatly overrated. Today when the market was down, 15 00:00:50,720 --> 00:00:55,080 Speaker 2: Apple headed a fifty two week high. Yeah, it is 16 00:00:55,920 --> 00:01:03,280 Speaker 2: back on track two hundred and eighty three. So Apple 17 00:01:03,680 --> 00:01:09,120 Speaker 2: quietly is having a having a stellar year again and 18 00:01:10,840 --> 00:01:18,080 Speaker 2: it is quietly moving up the mountain risk off. 19 00:01:18,280 --> 00:01:20,080 Speaker 3: And for the record, I never took it out of 20 00:01:20,120 --> 00:01:23,640 Speaker 3: t tech rad panded yes and no see or no, 21 00:01:24,600 --> 00:01:26,959 Speaker 3: never never took it out. I just said Tim Cook 22 00:01:27,000 --> 00:01:30,360 Speaker 3: should be replaced and said you were doing but I 23 00:01:30,440 --> 00:01:31,200 Speaker 3: never left them. 24 00:01:31,959 --> 00:01:32,960 Speaker 4: I never left. 25 00:01:33,080 --> 00:01:35,800 Speaker 3: And then they reported that he's going to leave. And 26 00:01:35,920 --> 00:01:40,960 Speaker 3: today Apple's head of AI steps down. So two things 27 00:01:40,959 --> 00:01:42,680 Speaker 3: can be true at the same time. If you listen, 28 00:01:42,680 --> 00:01:43,680 Speaker 3: not gonna make you money. 29 00:01:44,040 --> 00:01:44,959 Speaker 4: So but the. 30 00:01:45,200 --> 00:01:48,000 Speaker 3: Bigger theme for right now I put this in telegram 31 00:01:48,040 --> 00:01:54,720 Speaker 3: for Stop Club before we started. Risk is off and Microsoft, 32 00:01:54,760 --> 00:01:58,720 Speaker 3: Apple and Google are going to act like a safety haven, 33 00:01:58,880 --> 00:02:02,120 Speaker 3: like a bond because no one wants our American debt anymore. 34 00:02:02,760 --> 00:02:05,840 Speaker 3: So the projector returned for Apple over the next four 35 00:02:05,920 --> 00:02:08,080 Speaker 3: years is supposed to be twenty five to thirty three percent. 36 00:02:09,120 --> 00:02:11,200 Speaker 4: That would effectively replace the bod market. 37 00:02:11,600 --> 00:02:14,680 Speaker 3: So the big money is going to flow to places 38 00:02:14,720 --> 00:02:16,920 Speaker 3: where it can get a return and not have to 39 00:02:16,960 --> 00:02:20,400 Speaker 3: worry about a twenty five or sixty percent decline and 40 00:02:20,440 --> 00:02:21,360 Speaker 3: then markets like this. 41 00:02:21,400 --> 00:02:22,680 Speaker 4: I think they're going to do a hell up a 42 00:02:22,680 --> 00:02:23,160 Speaker 4: lot better. 43 00:02:23,280 --> 00:02:25,560 Speaker 3: But do they still need to fix their AI strategy 44 00:02:26,200 --> 00:02:26,840 Speaker 3: for sure. 45 00:02:28,040 --> 00:02:30,799 Speaker 1: I think when we had this conversation it was kind 46 00:02:30,800 --> 00:02:32,560 Speaker 1: of one of those things they remember. 47 00:02:32,600 --> 00:02:33,880 Speaker 4: I was like, yeah, I think we're looking at this. 48 00:02:33,960 --> 00:02:36,200 Speaker 1: Maybe they're looking at this a little bit differently than 49 00:02:36,200 --> 00:02:38,240 Speaker 1: how we were seeing it in the sense of like 50 00:02:38,280 --> 00:02:40,200 Speaker 1: everybody's rushing out to see what the product is, what 51 00:02:40,200 --> 00:02:41,840 Speaker 1: the product is, and everything was kind of let's sit 52 00:02:41,880 --> 00:02:42,919 Speaker 1: back and see what happens. 53 00:02:43,240 --> 00:02:45,200 Speaker 4: Unless trust the regional approach that. 54 00:02:45,080 --> 00:02:46,880 Speaker 1: They said that they were going to take with going 55 00:02:46,919 --> 00:02:49,760 Speaker 1: into India trying to get China sales for the first time, 56 00:02:49,800 --> 00:02:53,640 Speaker 1: they now passed they number one back in China. The 57 00:02:53,760 --> 00:02:57,320 Speaker 1: iPhone seventeen beat all the sale projections and this seems 58 00:02:57,320 --> 00:02:58,720 Speaker 1: to be up to for twenty twenty six. 59 00:02:58,800 --> 00:03:01,960 Speaker 4: And then quietly nobody was like talking about this. 60 00:03:02,160 --> 00:03:07,000 Speaker 1: They they're in talks to you know, use Intel, which 61 00:03:07,040 --> 00:03:10,840 Speaker 1: which why when we saw Intel temper sett and so 62 00:03:10,880 --> 00:03:13,640 Speaker 1: that AI strategy should be interesting, right, Like you said, 63 00:03:13,760 --> 00:03:15,480 Speaker 1: the head of AI stepped down. 64 00:03:15,520 --> 00:03:17,200 Speaker 4: But if we watch how. 65 00:03:17,040 --> 00:03:21,600 Speaker 5: Google rolled out their approach to AI, I feel like 66 00:03:21,639 --> 00:03:24,000 Speaker 5: something similar is happening here right where it was like 67 00:03:24,040 --> 00:03:26,760 Speaker 5: it was GPU, g PU GPU, Like what's Google going, 68 00:03:26,800 --> 00:03:27,720 Speaker 5: What's what they're gonna do? 69 00:03:27,720 --> 00:03:29,040 Speaker 4: When oh, here comes TPU. 70 00:03:29,639 --> 00:03:33,760 Speaker 1: Oh okay, this is this is different, like how we 71 00:03:33,800 --> 00:03:35,560 Speaker 1: are going to maneuver in this environment? 72 00:03:35,600 --> 00:03:35,720 Speaker 5: Now? 73 00:03:35,760 --> 00:03:38,680 Speaker 1: I feel like Apple has been positioning themselves still haven't 74 00:03:38,720 --> 00:03:39,560 Speaker 1: acquired anything. 75 00:03:40,480 --> 00:03:43,640 Speaker 4: Yeah, right, I phone is still the product that is right. 76 00:03:43,800 --> 00:03:46,560 Speaker 1: They have expanded in the in the regions that they 77 00:03:47,240 --> 00:03:50,440 Speaker 1: once dominated, their back dominating, which is why we're seeing 78 00:03:50,480 --> 00:03:54,760 Speaker 1: this right. But the intel play tells me that, all right, 79 00:03:55,400 --> 00:04:00,120 Speaker 1: there's something coming from this right the government has the 80 00:04:00,160 --> 00:04:02,320 Speaker 1: government has been involved one and now you have Apple 81 00:04:02,400 --> 00:04:05,000 Speaker 1: and talks. There's something here that we have to do 82 00:04:05,320 --> 00:04:06,080 Speaker 1: a deep dive into. 83 00:04:06,160 --> 00:04:09,240 Speaker 3: It's like an arrangement marriage that Trump put together to 84 00:04:09,280 --> 00:04:13,280 Speaker 3: get return back on it. To be very clear, and 85 00:04:13,360 --> 00:04:15,960 Speaker 3: I'm not talking to the normanies. I'm talking to the exceptional. 86 00:04:16,560 --> 00:04:19,680 Speaker 3: I never said take the Apple stock club, yes or no? 87 00:04:20,080 --> 00:04:23,119 Speaker 2: And yeah, I don't know what happened to the stock ticker. 88 00:04:23,520 --> 00:04:26,200 Speaker 4: We were just next week. 89 00:04:27,680 --> 00:04:33,520 Speaker 2: Yeah, let's just I see the comments disappointment. I'm not 90 00:04:33,560 --> 00:04:35,080 Speaker 2: sure what happened to the stock ticker. 91 00:04:35,640 --> 00:04:38,240 Speaker 3: They're disappointed that we don't have it this week. Listen, 92 00:04:38,279 --> 00:04:41,919 Speaker 3: when you chef well, to have a masterpiece like you 93 00:04:41,920 --> 00:04:44,880 Speaker 3: guys had on Thursday, it takes time because if it 94 00:04:44,880 --> 00:04:45,919 Speaker 3: looked ugly, then it would be. 95 00:04:45,920 --> 00:04:50,320 Speaker 4: Like, oh this jack came up with so patients patience. 96 00:04:54,200 --> 00:04:57,040 Speaker 2: But what I do know, like I said to take 97 00:04:57,080 --> 00:05:00,080 Speaker 2: two index, Apple has been a state stock club for 98 00:05:00,760 --> 00:05:06,720 Speaker 2: the inception eight years. And with that being said, shout everybody. 99 00:05:06,720 --> 00:05:10,120 Speaker 2: I took advantage of that market. Monday's Black Friday sale, 100 00:05:10,720 --> 00:05:13,640 Speaker 2: that bundle pack that we put together, it is officially 101 00:05:13,720 --> 00:05:17,120 Speaker 2: sold out. You will be getting your information about in 102 00:05:17,240 --> 00:05:21,760 Speaker 2: Vidia in the next week or so. But yeah, everybody 103 00:05:21,800 --> 00:05:24,440 Speaker 2: that took advantage of that, that's lifetime access to stock Club, 104 00:05:24,480 --> 00:05:28,720 Speaker 2: lifetime access to Ewy University twenty twenty six. UH investments, 105 00:05:28,839 --> 00:05:33,680 Speaker 2: VIP ticket impertson Mastermind and Washington d C Capitol Hill 106 00:05:33,720 --> 00:05:37,680 Speaker 2: tour in Capitol Hill, like in the Capitol Hill, meet 107 00:05:37,720 --> 00:05:41,120 Speaker 2: with high level politicians, uh, the Queen of AI, myself, 108 00:05:41,200 --> 00:05:46,400 Speaker 2: Ian Troy, in person Mastermind, and then the exclusive trip 109 00:05:46,440 --> 00:05:52,200 Speaker 2: to Nvidia campus talk with Nvidia executives going over the 110 00:05:52,279 --> 00:05:55,560 Speaker 2: latest product deliverings. 111 00:05:55,920 --> 00:05:58,480 Speaker 4: Oh yeah, yeah, yeah surprises. So that's major. 112 00:05:58,720 --> 00:06:00,400 Speaker 2: So, like I said, we'll be getting in mation to 113 00:06:00,440 --> 00:06:02,480 Speaker 2: you guys soon as far as that in video situation 114 00:06:02,600 --> 00:06:05,560 Speaker 2: and the in person Mastermind. But kudos to everybody that 115 00:06:05,560 --> 00:06:10,480 Speaker 2: took advantage of that. You're one step closer to you know, 116 00:06:10,600 --> 00:06:14,920 Speaker 2: hitting that hitting that mark now Cyber Monday. For anybody 117 00:06:14,920 --> 00:06:17,560 Speaker 2: that was not able to take advantage of that Black 118 00:06:17,600 --> 00:06:20,000 Speaker 2: Friday Deal. Maybe the price point was a little too 119 00:06:20,000 --> 00:06:23,640 Speaker 2: steep for your pockets, is you know, difficult times. Right now, 120 00:06:24,160 --> 00:06:28,600 Speaker 2: we are doing a cyber Monday deal, five year access 121 00:06:28,640 --> 00:06:33,000 Speaker 2: to Eyo University, five year access to stock Club, fifty 122 00:06:33,000 --> 00:06:37,320 Speaker 2: percent off of the price that was the Black Friday deal. 123 00:06:37,480 --> 00:06:41,719 Speaker 2: So the Black Friday was for a certain demographic of people. 124 00:06:43,120 --> 00:06:45,520 Speaker 2: But if you were not able to take advantage of 125 00:06:45,680 --> 00:06:48,640 Speaker 2: the Black Friday deal, you can't take advantage of the 126 00:06:48,680 --> 00:06:53,400 Speaker 2: Cyber Monday offer. Five year access to stock Club, five 127 00:06:53,520 --> 00:06:59,200 Speaker 2: year access to Eyo University. Market Monday's Deal dot Com 128 00:06:59,240 --> 00:07:02,240 Speaker 2: Market Monday days with an s market Mondays Deal dot 129 00:07:02,279 --> 00:07:06,800 Speaker 2: Com forty eight hours only. This will end by blackout 130 00:07:06,839 --> 00:07:08,760 Speaker 2: on Wednesday, forty eight hours only. 131 00:07:08,920 --> 00:07:12,200 Speaker 4: First day serve stock Club. 132 00:07:12,760 --> 00:07:15,680 Speaker 2: You get the prices, you get the weekly calls, you 133 00:07:15,720 --> 00:07:19,360 Speaker 2: get the targets Eyo University, amongst other things. You get 134 00:07:19,400 --> 00:07:22,200 Speaker 2: Troy's options class where he actually goes over his portfolio, 135 00:07:22,360 --> 00:07:24,400 Speaker 2: talks about different trades. We got the app, we got 136 00:07:24,440 --> 00:07:27,080 Speaker 2: the community, We got the real estate home Buyers Blueprint 137 00:07:27,680 --> 00:07:31,920 Speaker 2: VUYAME one volume, two monthly financial planning calls, regional groups. 138 00:07:32,160 --> 00:07:32,880 Speaker 2: A lot going on. 139 00:07:33,000 --> 00:07:35,080 Speaker 4: Let's just say that market Monday. 140 00:07:34,800 --> 00:07:36,360 Speaker 2: Still dot com if you want to take advantage of 141 00:07:36,360 --> 00:07:39,520 Speaker 2: it forty eight hours only, stock Club y University bundled 142 00:07:39,720 --> 00:07:40,960 Speaker 2: two together. 143 00:07:41,840 --> 00:07:44,760 Speaker 3: Yes, and for those of you accent, I'm not individually 144 00:07:44,760 --> 00:07:47,960 Speaker 3: doing nothing now or Christmas or Rosashana. 145 00:07:48,240 --> 00:07:54,000 Speaker 2: So no, no, this is Macha, this is Masha. 146 00:07:54,120 --> 00:07:56,240 Speaker 4: Ladies and gentlemen, Ernest, what's up? 147 00:07:56,360 --> 00:07:58,840 Speaker 1: You ever walk into a small business and everything just 148 00:07:58,960 --> 00:08:02,160 Speaker 1: works like the check out as fast their seats are digital, 149 00:08:02,680 --> 00:08:05,840 Speaker 1: tipping is a breeze, and you're out the door before the. 150 00:08:05,800 --> 00:08:06,640 Speaker 4: Line even builds. 151 00:08:06,960 --> 00:08:11,240 Speaker 1: Odds are they're using Square. We love supporting businesses that 152 00:08:11,320 --> 00:08:13,960 Speaker 1: run on Square because it just feels seamless. Whether it's 153 00:08:14,000 --> 00:08:17,000 Speaker 1: a local coffee shop, a vendor at a pop up market, 154 00:08:17,200 --> 00:08:20,040 Speaker 1: or even one of our merch partners. Square makes it 155 00:08:20,200 --> 00:08:23,560 Speaker 1: easy for them to take payments, manage inventory, and run 156 00:08:23,600 --> 00:08:27,200 Speaker 1: their business with confidence, all from one simple system. One 157 00:08:27,280 --> 00:08:30,280 Speaker 1: of the things we love most is seeing neighborhood businesses 158 00:08:30,360 --> 00:08:33,720 Speaker 1: level up. Business West Indian spired writing our community that 159 00:08:33,800 --> 00:08:37,240 Speaker 1: started with a small takeout counter. Now with Square they've 160 00:08:37,280 --> 00:08:40,080 Speaker 1: been able to expand into a full sit down restaurant 161 00:08:40,160 --> 00:08:43,920 Speaker 1: and even started catering events across the city. That's the 162 00:08:44,000 --> 00:08:47,360 Speaker 1: kind of growth that inspires us, and it's powered by Square. 163 00:08:47,760 --> 00:08:50,480 Speaker 1: Square is built for all types of businesses, from the 164 00:08:50,559 --> 00:08:53,600 Speaker 1: corner bagel shop that turned into a local chain, to 165 00:08:53,679 --> 00:08:56,880 Speaker 1: the specialty market with thousands of unique items, to the 166 00:08:56,920 --> 00:09:00,720 Speaker 1: stylist who's been holding you down for years, business owner, 167 00:09:01,000 --> 00:09:04,360 Speaker 1: or even just thinking about launching something soon. Square is 168 00:09:04,480 --> 00:09:06,560 Speaker 1: hands down one of the best tools out there to 169 00:09:06,600 --> 00:09:10,559 Speaker 1: help you start, run and grow. It's not just about payments, 170 00:09:10,920 --> 00:09:13,560 Speaker 1: it's about giving you time back so you can focus 171 00:09:13,600 --> 00:09:16,319 Speaker 1: on what matters most Ready. To see how Square can 172 00:09:16,360 --> 00:09:21,160 Speaker 1: transform your business, visit Square dot com backslash, go backslash 173 00:09:21,240 --> 00:09:25,400 Speaker 1: eyl to learn more that Square dot com backslash, go 174 00:09:25,840 --> 00:09:30,040 Speaker 1: backslash eyl. Don't wait, don't hesitate. Let's Square handle the 175 00:09:30,080 --> 00:09:32,600 Speaker 1: back end so you can keep pushing your vision forward