Earth Will Have A Mini Moon & Microsoft Is Making A Digital Friend!? | Biz To Biz Podcast

You are now watching the Biz to Biz Podcast with Allen and Justin. Yo, what's up everybody? It's Justin live from B2B Vault, the Biz to Biz Podcast sponsored by Nationwide Payment Systems, hosted by this guy, the Isaac Newton of payment processing himself, Allen Kopelman. What's up, Brody?

Not much. Didn't Isaac Newton— did he get hit in the head with an apple?

I thought that was Ben Franklin.

I don't know, somebody got hit in the head with an apple.

Johnny Appleseed.

Johnny Appleseed making apple cider. I don't know, there's a lot going on in the world today. You want to know what's crazy?

Outages.

There's been like today, uh, the Bank of America thing. Yeah, Bank of America had an outage the other day. Verizon was out for hours on end. And on Monday, and still barely correcting itself today, the gamers are upset because PlayStation had an outage.

Oh, the PS Network was down too.

Yeah, yeah, that's kind of crazy.

Blame it on the second moon.

Yeah, I was— look that up. So it said today in the news, Earth's moon will soon have company, a mini moon. The mini moon is an asteroid about the size of a school bus. Is that what you're talking about?

It's the mini moon.

Oh, well, that's what they're talking about. They said it's, uh, 33 feet, 10 meters.

I can't believe you're just now finding out about it.

And it's going to whiz by Earth on Sunday. It'll be temporarily trapped in our gravity and orbit the globe.

My question is to the scientists out there: how in the fuck— excuse me— If it gets stuck in the gravity, how is it going to get unstuck? You just riddle me that, uh, because when there's a satellite in Earth's orbit, yeah, it doesn't get unstuck, right?

It comes down to Earth, or it comes down to Earth, right?

So I mean, 33 feet, I, I don't know if that's big enough to start like this Second Ice Age.

I mean, that could smush my car.

I don't know, I don't know.

But you don't know? 33 feet, that could knock a car out.

By the time it hits the Earth, I don't know if it'll even be 33 feet.

Oh, that's true. It's gonna get—

it's gonna— it's gonna burn. That's what I'm saying. I don't know, I don't know how that works. I also seen they found a, a diamond the size of the moon.

Really?

In, in outer space.

Wow, that's crazy.

Yes, that's, that's just—

now that would be pretty cool if it landed in your backyard.

I don't know. Yeah, until your neighbors see it and you got a bunch of people running out in your backyard with AR-15s.

I don't know, everybody wants to get a piece of diamonds.

Yeah, for sure. Yeah, the, the Mini Moon thing is, is I don't know.

They're calling it 2024 PT5, and it was first part spotted in August. So that's recently by astronomers at some University of Madrid with a powerful telescope located in Sutherland, South Africa. So this is recent. How could they not see it coming? Only saw they didn't see it coming.

Okay. Are you shitting me? They just didn't want to cause— you just— they just had the movie Look Up.

Look Up? Oh, I didn't see that.

You didn't watch it?

No. Where is that on?

On Netflix. What is it called, Sean?

Look Up?

Don't Look Up.

Oh, Don't Look Up. Oh, I saw that.

Yeah, yeah, yeah. So, I mean, right?

Yeah.

So the government at first didn't say shit.

Right.

And then they said, you know, it's inevitable. Right.

Well, it's like Armageddon.

I mean, Armageddon. Yeah, I mean, I don't know, like, so would the government say anything if they knew a giant asteroid was potentially gonna catastrophically crash into Earth? I don't think so, because it would cause mass hysteria on Earth. Yeah, people would kill each other. There would just be total— wrong—

you know, what was the other movie besides Bizarre shit would hit. Oh, Deep Impact. Deep Impact, that was the other one.

Yeah, I'm— yeah, you know, I grew up in the sci-fi, like, like when it was going. And man, damn, that movie sucked. What, to me, which when I was a kid, all of them, because they were just underwhelming and shit. Like, you know, like, I mean, Terminator was awesome and Terminator 2 was Like, it was like, holy shit, this dude just turned into liquid.

Yeah, that was crazy.

So I mean, and then, you know, like all the other stuff, it was just like, for me, the outer space and shit was always very underwhelming. And I never—

I like—

I thought they could always do better.

I liked outer space movies. Martian, you ever see that one? No. Matt Damon, he gets stuck on a planet.

My dad loves that shit, and I just can't I can't. I just can't.

I don't know why.

I just can't.

I like outer space movies.

Yeah, not my thing.

Okay, okay. Now here's something weird, talking about weird shit. Microsoft is focusing on turning its chatbot into your digital friend to be comfortable, fun, and familiar. Would you want to have an AI companion, Justin?

No, I have real companions.

I know, but I'm just saying, like, isn't this weird?

I would have a— I wouldn't mind having like someone at work and shit, like, hey dude, do all these tasks, blah blah blah, set this up, make these appointments on my calendar, right? Book these meetings.

I mean, like, tomorrow.

Essentially. Okay. I mean, right now you could do this shit. You could set it all up, right? It's just more than one platform that you would have to use, right? You know what I mean?

I get literally my inbox on LinkedIn is full of this every day.

Yeah, exactly. It's just, it's just sitting down and implementing it, right? Like, but I wouldn't mind that. It would I wouldn't care.

What if you had an AI?

I just haven't sat down and did it, to be honest.

Oh, and what then? All of a sudden AI is doing—

then I could have a second job.

Oh, you could have a second job during the day. Well, you can always do that too. You can hire some guy for $3 an hour in the Philippines. There was, there was a guy that did that. He had like 5 jobs.

I know a lot of guys that do that, bro. I mean, that's pretty much—

I don't—

never mind, I don't want to get Loose lips sink ships, buddy.

But I'm just saying, it's kind of— and I see a lot of apps coming out where you can have an AI companion wake you up.

And yeah, there's tons of that. It's been around.

I know it's been around.

It's just getting really popular. So, uh, the AI assistant thing is going to boom here real soon, you know, like, not saying like tomorrow, you know what I mean, because you know, you need someone to answer the phone.

Right.

Right. Because that's different.

Yeah. But people want to— I get people all the time. Oh, you don't need anyone to answer your phone. You can implement AI.

Yeah, you can. But, you know, at some point, you— I feel like as a business owner, it's going to be up to the business owner to where it draws the line. Right. How much are you going to let technology take over control of your company? This goes into even the longshoremen shit. The real reason why they're striking is because of automation. And that's why they're talking about a 77% increase over the next 7 years, not tomorrow, you jackasses. Do please do your— I don't even want to talk to anybody about this shit. I've been seeing people post on Facebook and people are so misinformed, bro. They do zero research on their own and all they're doing is listening to whatever right-wing or left-wing radio station that they're dialed into, and it's just all bullshit, bro. Please, man, I wish that everyone would sit down and go form an opinion for themselves.

I heard they got offered— heard they got offered like a 50 or 55% increase, but they—

that's not even— they don't care about the money, bro.

I know they don't care about the money. They're fighting this whole thing against automation. Yeah. I was reading up on it and I was like, wow, this is—

did you see how the, the, uh, California, how it went in Cali? There's like 3, uh, ports in Cali that are fully automated.

Yeah.

And the people that work there were making more money than the year before because they were working so much overtime, right? So does it really automate the, the process that well? I don't think so, bro. In Japan and China Yeah, they got that shit down pat. You ever seen how that shit works over there? That thing is like, it's like when you were a kid.

It's like robots, man.

Yeah, that's what I'm saying. Like when you were a kid and you were playing with the building your train track, it's just amazing to watch. You know what I'm saying? Like it's that interesting to see that there's a room full of guys and women on computers where there's a bunch of people on, on their computer and they're literally— it's all like remote control, bro. It's really cool. I mean, I get it. And, you know, I don't want to be like against automation, okay? Because technology is here and it's, it is, and it's here to stay. It's going to get better.

Listen, look at Auto Workers, right?

They same shit happened to them though, right? The same thing happened to them.

They were building cars now. If you go look at an auto factory, there's robot arms moving, move, putting everything in place.

I mean, there's the same concept and the same thing as that's— that happened to those people that worked in the automotive industry is going to happen to this, you know, those same people who work on the docks, right? Crane operators, you know, truck drivers, forklift operators.

Well, I don't know if we're going to get to the point where trucks are driving by them. That's what they know, literally, bro.

They're on this, just a flatbed. Yeah, it is amazing. No, I've seen it. And at the end of the day, what I was saying is, as far as automation and American people, this is just another example of like, this is something like goes back as far as when I was in my late 20s and my father was telling me, he said, son, yeah, you have to embrace technology, bro. Like, he was— I was super— well, you know, in my past life, I was— I didn't want to be on internet. I didn't want to be on camera. Allen, you know, I had none of this stuff, right? And so, um, you know, I just didn't care about the internet. I didn't have an email address, none of that shit. But then one day I just sat and I was looking around and I'm like, holy moly guacamole, am I so behind. Because I'm not in it. I'm not connected. I'm not plugged into the matrix, right?

Right.

So my point is, like, this is an example of how people get very stuck and comfortable in life, and they don't learn new skills, and they don't adapt to the times. And this is what happens. This is why people get left behind. And it's super unfortunate, but I think it is even more important for the people to understand how important it is to educate themselves now to prepare for the future, because the next 10 years are going to go fast.

Yeah. When you look at like the speed of— so I'm born 1960, right? Now, I remember probably when I was in elementary school, they go, oh, by the year 2000, You're supposed to be flying cars already. There's going to be flying cars 2025 for sure.

I remember like whatever book I was— it 2024, The Odyssey of 20—

I don't know, I can't even— no, they were saying like in 2000 flying cars for sure. And you know, that didn't happen. But when you look at the level of—

we're close.

When you look— no, but when you look at the level— when you look at the amount of technology that's moved from 1960 to now, to 2000, then from 2000 to 2024. I mean, every year it's moving faster and faster and faster and faster.

Can you imagine the next 10 years? It's with AI.

Yeah.

At the helm of things, right? So now AI is working out problems that the engineers and the scientists couldn't figure out forever, right? They're putting together mathematical equations that these geniuses can't solve, right? So, I mean, Yeah, I think it's going to be cool. Again, I just think it's like really important for people to take this as, you know, as a warning, you know, it's like a wake-up call rather. Like, I think that it's like, get, get certified in, in things that are going to be relevant over the next 5 years.

Well, definitely you got to look at education, and the education system needs to look at You know, hey, what do kids need to learn?

You know, and what are they programming? Coding, right? Like what the engineering part, uh, designing, architecture, all the things that are lost.

Yeah.

In America right now, manufacturing in general, bro. Like I was listening to Joe Rogan this morning and he was saying how, uh, I agree. He was saying that, uh, that— and I agree with him— that, that he would pay more for his phone, for his iPhone, if it was manufactured in America.

I get it.

And, you know, it's— it would take— his point was it would take a while to reboot all these, you know, manufacturing facilities.

There are—

the infrastructure is already here, right? Right. I mean, we have everything. Steel processing, everything that you can think of, it's just vacant. It's literally just sitting here getting turned into co-ops and food halls and fancy condominiums. And unfortunately it's still being used for all the other dark and grimy stuff. But yeah, I mean, I really think that you could, I'm sure it would take a couple years, but you could get that stuff up and running.

But you know this other thing you're not thinking about with the longshoremen? I mean, what does the mafia have to say about that?

Bro, I would not want to be working for the companies that are in shit. I mean, you see the guy who runs the thing looks like he's a mafia don, like a boss.

Yeah, Sopranos.

He had Cartier glasses on. He had a gold rope. He had a Rolex watch. Like that dude, I would—

Did he have a nugget jewelry? The nugget jewelry? I didn't see his hands. That's the guy that he used.

When a guy, you know, he was just talking. I will cripple you. I was like, oh shit. Like this dude is serious.

Yeah, because who runs the docks? I mean, when you watch like crime movies, right? That's where all this shit.

Where do you think all your, the shit comes from on Canal Street in New York? The hell you thinking about?

Exactly, that's what I'm talking about.

Dude, like every stolen car, every, yo, Oh, when they say the phrase, "The shit fell off the truck." Right. That's what they mean. It fell off the truck in the shipping yard.

Exactly.

Like, yeah, bro.

Like, who's running the show down there? I'm sure there's no automated mafia yet, but they gotta figure it out.

Can you imagine the Yakuza?

Yeah.

In Japan on the ports? Like, I bet you half of the people who work there Work for the Yakuza, you know what I mean? Listen, hey, I love you guys. I have much respect for the Japanese culture. Um, mafia, I have—

I don't drone. Don't—

we don't need to be assassinated. I heard Trump's got 5 kill teams from different countries running around America trying to assassinate him right now. That's crazy to think this is— I don't want to get political. We're not talking political. But the fact, to put it in your head, that there is 5 separate countries with a team of assassins, assassins, trained killers, running around America with one mission, and that's to eliminate, unalive Donald Trump. That shit blows my mind. The fact that, If it's real and really true, it's just crazy to think. It's like, it's just stuff that you see in the movies.

They got him behind like bulletproof glass now when he's talking. Everything, yeah.

I mean, he's got the military running around with him now.

Oh yeah.

The government, you know, even Joe Biden said we can't have people taking shots at our presidents.

You know what I mean?

Right. Gun violence, people are sick as hell. For anyone saying that they, They're sad that he missed anything. I don't want to get— anyway, you guys are sick. You obviously never had somebody in your family get shot and killed, so relax.

No, but it's crazy. Listen, it's like Trump's going to open up— they're afraid he's going to be president and all of a sudden he's going to open up Pandora's box.

And I'm not pro-Trump, but yeah, I don't want anyone to get shot and killed, bro.

No, but it's crazy. When you watch mafia movies, Every mafia movie always involves the ports.

The docks. The docks. That's where all crime starts.

All crime. That's where all the crime is.

The black market starts at the ports.

They're shipping out guns.

It's going through the dock.

They're getting guns going through the dock. There's a bomb inside the dock.

The cocaine is on the dock in shipping container 444B.

Human trafficking is on the dock. Stolen cars are on the dock.

The rotten potatoes to throw the snuff the dogs off. Like, bro, like, yeah, man, everything's happening on the dock.

Or there's like some crazy Steven Seagal Lord of War, remember that movie? Yeah, yeah, moving all the guns, moving through the docks in New York. Who's taking care of that? The longshoremen.

I mean, some of them, I'm sure, you know. I mean, the whole crew ain't on up enough.

Well, these longshoremen guys, you know what, the whole crew ain't on the take.

You know what they need to do?

They need start recruiting some people out of like MIT and all that to come work for them.

You don't think they— if you think for one second the mafia doesn't already— isn't on top of that shit, you're tripping.

Well, they— they—

I don't want to talk about that. Organized crime has nothing to do with me. I'm—

that's our conspiracy theory for the day. Tony Soprano is upset.

I can imagine the Italian mafia. They run the Russian mafia.

Everybody, all of them are involved.

Everybody.

It's all crime, everything from the Miami Mafia.

You're talking from the Maine to Texas.

Right.

So I can only imagine the drug prices are going to go through the roof. I'm sorry. I don't need to. I don't. But you guys are in for a long— There's one thing I do have to say about this. Yes. That's all in all seriousness and shit. The fact that people are already running to the stores and buying everything.

Oh yeah, I heard like Costco's running out of toilet paper.

You're falling right into the trap.

Exactly.

And you're creating supply and demand. This is, if you've ever been to college, this is Economics 101.

Definitely.

It is guns and butter. This is, this is, they are creating, they're creating a false market.

Exactly.

And now people are buying shit out and you know, it's really setting us up for, oh, we're paying $8 for a carton of eggs. Well, guess what? Now you're paying $20 because you said you would, you already went and did it.

So, you know, like during COVID people were going to Costco No, the lines are outside the door. No, no, I'm saying they're buying like— not here yet, but I'm saying like buying tons of toilet paper, paper towels, cleaning supplies and all that. Then you couldn't get it. Then these people had too much of it. Then they're trying to return it to the store. I had a neighbor that looked like a grocery store of dry goods in their garage. They had like 3 freezers in there full of stuff. And it was funny, like the other day I saw that neighbor And I was like, yeah, you still got food and all those. Yes. He goes, yeah, he goes, I've been going through all that. He goes, I mean, he has enough food in there to last like a whole nother year. He said, is he buying good though? Who knows? I'm just saying, like huge chest freezers he bought. He was buying like tons of food.

That's just—

had all stocked up and he had like 50 things of toilet paper in his garage.

Yeah, I don't know, man.

No, I'm just saying, like, you know, people shouldn't do that. Like make a run on the store. It's like out of control.

Yeah, you know, and it just— yeah, because it's artificial, you know, like it's artificial because you don't know shit yet, right? It's been a day.

But also there's a lot of stuff made in America, right? So there is a lot of product that's made in the US that nobody buys because it is marked up 50%, bro.

Well, right now the way that— I mean, if you buy a made in America t-shirt, right? This shit is like $25.

I know, it's crazy.

So, and I do try to support it as much as possible.

No, I do too.

But most of the time, and it's really messed up because most of the time you end up getting it, you know, especially when you're ordering online and you finally get it in and it'll see, you know, when it was manufactured in Guatemala or something.

Yeah, it's messed up. So they pack it, they put it in the plastic bag.

I don't know, did you see, uh, the DOJ is on Visa's ASBRO?

Oh yeah, they're all over Visa right now, dude.

I would— and what? I don't got them, huh? They got them, they got them on this one, bro.

What did they get them?

So when I was reading the article, yeah, they don't even care about the monopoly they've created, right? They're going after the fact that they created agreements and basically strong-armed, uh, like PayPal Um, which ones? What are the big ones?

Stripe.

So they forced them into these partnerships, right, by threatening them with higher rates if they don't— if they don't— if instead, if like, if they would have chose MasterCard instead of them, right? So if they wanted—

well, no, they both— they take both. None of those platforms—

I'm saying, as I understand what you're saying, but like, they just like the way that they put on their apps and shit pre, you know, it's Visa already, you know what I'm saying? Like the partnership that they forced these people into with—

I don't know.

They're really fucked up.

They're trying to tie it back to the Durbin Amendment, which is in 2010. We're 14 years past the Durbin Amendment. The Durbin Amendment, you know, wanted somebody, magic person to come up with a competitor to Visa and MasterCard. It's been 14 years. Okay.

Yeah, but that's not what the DOJ is talking about. I understand that, but— This latest one, it had nothing to do with the terminal.

That's— they mentioned part of it in the article that I read. They mentioned like, oh, where there's no alternative network for payment, and we're not going to see an alternative method for payment. It's not going to happen until somebody builds it, right? Until somebody builds it. Well, you know, nobody's built it. And nobody's figured out how to build it. So, and then they—

well, that's the point that the DOJ is saying in this latest lawsuit, right, is that it basically stops its competitors who are on the verge.

Well, they bought— they buy competitors all the time.

Exactly.

Well, they could— listen, when that happens, Congress has the ability to stop partnerships and stuff like that, but they don't.

It's funny you mentioned it because I started I wanted to start doing the Googles and seeing who was really invested in Visa. Right. Who works for Congress.

Yeah. Nancy Pelosi.

Well, is one for sure.

And I'm sure there's a whole list of them.

There's— I guarantee you. So, you know, this shit gets sticky. I bet, you know, the DOJ is on some with this one. I don't know. It's going to be interesting to see.

I think Visa is going to come back and go, if somebody wants to build it, let them go try.

You see, and last thing I was going to say, Pfizer and Wells Fargo are ending their partnership in April of 2025.

Oh, you mean FIS and—

no, you mean Fiserv.

Fiserv. Yeah. And Wells Fargo, the credit card processor. Yeah. Yeah. They're ending their partnership, which is crazy.

But Pfizer is about to get like—

what did I have written down?

$400 to $600 million when it—

yeah, they buy them out in April. Yeah.

But I guess they're keeping They're— I don't know, he's still gonna—

processing. No, they're gonna keep the relationship going, but now the breakup of who gets the residual is gonna be different.

Okay, okay, that makes sense.

So there's gonna be a different thing.

But now I wonder why, why aren't they renewing that partnership?

Because Wells Fargo is probably going to come out with something like a Stripe. Looks like Chase did. Chase has WePay now. Oh yeah, like a Stripe. So you're gonna probably see them come out with something They probably already have it in the works. Well, that's the pod.

Yeah, I mean, yeah, rest in peace, John Amos. That shit was sad.

It keeps happening every day.

It does. There's someone else too, man. Well, I mean, yeah, that was the 5-minute mark, sir.

Okay.

So I don't know where you're off to. You got a hot date or something?

No, I got a meeting.

Oh. Sorry. Oh, word. Well, that's the pod. See you later.

Peace. Peace out. Carpe diem.