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Fanatics Sportsbook Promo Code FOXNEWS350: Bet $20, Get $350 on Devils vs Oilers

November 3, 2026 MMN Editor Filed Under: THE NEWS

Connor McDavid and Leon Draisaitl head to Newark on Tuesday night to take on a Devils team that suddenly has one of the best goalies in the world. It’s the marquee game on an 11-game NHL slate, and with the NBA off for Election Day, it has the spotlight to itself. Fanatics Sportsbook is offering new users promo code FOXNEWS350 to bet $20 and get $350 in FanCash on Devils vs. Oilers.Hellebuyck vs. the best duo in hockey. Connor Hellebuyck has been as good as advertised in New Jersey, opening 2-0-0 with a 1.50 goals-against average and a .923 save percentage. He’s built his career on stealing games against elite offenses, and McDavid and Draisaitl are the toughest test he’ll get all month. If he holds them in check, the Devils are in great shape at home.Edmonton’s goaltending gap. Tristan Jarry gives the Oilers a 4-1-2 record and two shutouts, but his .901 save percentage is a red flag against a Devils team that can push the pace. Edmonton can survive a shaky night from its goalie when its stars are rolling. It’s much harder when the other team’s goalie is standing on his head.The special teams battle. McDavid and Draisaitl together on the top power play is the most dangerous unit in the league. New Jersey has to stay out of the box. If the Devils keep this game at five-on-five, they can lean on their structure and their goalie. If they hand Edmonton chances on the man advantage, the Oilers’ price at +135 starts to look like a bargain.The last time these teams met, New Jersey won 2-1 in January. The books have priced the under at -125 for a reason. Hellebuyck’s numbers so far point to a low-scoring night, and the Devils’ best path to winning is keeping the game tight and grinding out a one- or two-goal result. Even if Edmonton’s stars break through once or twice, it would take a goaltending collapse on both ends to get to seven goals. Bet $20 on the Under and collect $350 in FanCash once it’s graded, no matter how it lands.Oilers vs Devils OddsOdds are subject to changeElite goaltending against the most dangerous one-two punch in the sport, with the hockey world watching. New users can bet $20 on Devils vs. Oilers and get $350 in FanCash with Fanatics Sportsbook promo code FOXNEWS350.

BetMGM Bonus Code FOXNEWS: Unlock $1500 in First Bet Cover for Tonight’s NHL Including Devils-Oilers

November 3, 2026 MMN Editor Filed Under: THE NEWS

With the NBA off for Election Day, hockey has Tuesday night to itself. Eleven NHL games are on the schedule, and the best of them puts Connor McDavid and Leon Draisaitl against Connor Hellebuyck in Newark. BetMGM is offering new users bonus code FOXNEWS to unlock up to $1,500 in First Bet Cover. If your first wager loses, BetMGM refunds your stake in bonus bets.The books have New Jersey as a home favorite, and the reason is in net. Hellebuyck is 2-0-0 with a 1.50 goals-against average and a .923 save percentage since joining the Devils. Edmonton’s Tristan Jarry has two shutouts and a 4-1-2 record, but his .901 save percentage leaves less room for error. New Jersey also won the last meeting 2-1 in January, and the under is priced at -125.That’s the case for the Devils. The case for Edmonton is simpler: no team in the league has two forwards like McDavid and Draisaitl. They run the top power play together, they can split up to stretch a defense across two lines, and they can turn a quiet game in a matter of shifts. Hellebuyck can steal games, but he hasn’t faced this kind of firepower yet in a Devils sweater.A protected first bet is the right tool for taking a plus-money underdog with this kind of upside. Bet $100 on Edmonton to win and you collect $235 if the Oilers get it done. If New Jersey holds on, BetMGM refunds your $100 in bonus bets. With the two best players on the ice wearing orange, getting them as an underdog is a number worth taking.Odds are subject to changeThe defending Stanley Cup champion Hurricanes visit Nashville at 8 p.m. ET, and Nikita Kucherov, last season’s Hart Trophy winner, leads Tampa Bay against Detroit at 7 p.m. ET.7:00 p.m. ET7:30 p.m. ET8:00 p.m. ET9:00 p.m. ETBack the Oilers, trust Hellebuyck or take your first bet anywhere on an 11-game slate. New users can unlock up to $1,500 in First Bet Cover on tonight’s NHL action with BetMGM bonus code FOXNEWS.

FanDuel Promo Code: Get $200 When Betting $5 on the NHL, NBA and College Basketball Over 4 Days

November 3, 2026 MMN Editor Filed Under: THE NEWS

The next four days are loaded. The NHL has an 11-game slate tonight, college basketball is in its first week, and the NBA heads into the second Friday of NBA Cup group play. FanDuel is giving new users $200 in bonus bets by betting $5 a day for four days, with no promo code required.The NBA takes Election Day off, so hockey owns Tuesday night. The best game on the board is Edmonton at New Jersey at 7:30 p.m. ET. Connor McDavid and Leon Draisaitl run into Connor Hellebuyck, who has been excellent since arriving in New Jersey at 2-0-0 with a 1.50 goals-against average and a .923 save percentage. Edmonton counters with Tristan Jarry, who has two shutouts but a .901 save percentage.That goaltending gap is why the Devils are favored at home. Edmonton at plus money, with the best one-two punch in hockey, is the kind of number that gets underdog bettors interested. The Devils won the last meeting 2-1, and the under is juiced at -125.Odds are subject to changeElsewhere, the defending Stanley Cup champion Hurricanes visit Nashville, and Nikita Kucherov’s Lightning host Detroit.College basketball tipped off Monday, and the first week is when the market knows the least. Rosters have been reshaped by the transfer portal, freshmen are playing their first real minutes, and lines are set more on projections than results. Your daily $5 bet doesn’t need to be on a marquee game. Some of the best value in November comes from teams the public hasn’t watched yet.The NBA is back Wednesday, and Friday brings the second night of NBA Cup group play. Every one of these games counts toward the regular-season standings and the race for a knockout spot:Philadelphia at Cleveland is the headliner, with LeBron James back in Cleveland for a reunion game in the toughest group in the East.Hockey tonight, college hoops all week and the NBA Cup on Friday. Bet $5 a day for four days with FanDuel and collect $200 in bonus bets.

Betr Promo Code FOXNEWS: Get $200 in Bonuses and Four Free Picks for Tuesday’s NHL Slate

November 3, 2026 MMN Editor Filed Under: THE NEWS

Tuesday’s NHL schedule runs 11 games deep, with eight puck drops at 7:00 p.m. ET and a marquee matchup in Newark at 7:30. That’s a lot of players to choose from on the pick’em board. Betr is offering new users promo code FOXNEWS to get $200 in bonuses and four free picks for tonight’s slate.Four free picks, four places to start, one massive NHL slate. Connor McDavid points (higher): Edmonton visits New Jersey at 7:30 p.m. ET, and McDavid is still the most reliable point producer in hockey. Even when the Oilers have a quiet night, the offense usually runs through him. He’s the anchor for any NHL entry tonight.Connor Hellebuyck saves (higher): Hellebuyck has been excellent since arriving in New Jersey, going 2-0-0 with a 1.50 goals-against average and a .923 save percentage. Facing McDavid and Leon Draisaitl means facing a lot of rubber. If Edmonton controls play the way it usually does, Hellebuyck’s saves line is in play.Leon Draisaitl points (higher): The Devils will likely put their top shutdown pieces on McDavid’s line, which can leave Draisaitl with easier matchups. He also runs the top power play alongside McDavid. Pairing the two is a simple way to bet on Edmonton’s top end breaking through.Nikita Kucherov points (higher): Kucherov won his second Hart Trophy last season, and Tampa Bay hosts Detroit at 7 p.m. ET. Home games against a Red Wings team still building toward contention are exactly where Kucherov tends to pile up points.New Jersey is favored at home largely because of the matchup in net. Edmonton’s Tristan Jarry is 4-1-2 with two shutouts, but his .901 save percentage trails Hellebuyck by a wide margin. The Devils won the last meeting 2-1 in January, and the under is priced at -125, so the books see another low-scoring game coming.Odds are subject to changeThe defending Stanley Cup champion Hurricanes visit Nashville at 8 p.m. ET, and Anaheim at Vancouver closes the night at 9 p.m. ET.Eleven games and four free picks to spread across them. Sign up with Betr promo code FOXNEWS to get $200 in bonuses and four free picks for Tuesday’s NHL slate.

Underdog Promo Code FOXNEWS: Play $10, Get $50 on Tonight’s NHL Slate Including Devils-Oilers

November 3, 2026 MMN Editor Filed Under: THE NEWS

Tuesday is one of the busiest nights of the NHL week, with 11 games on the schedule and a 7:30 p.m. ET headliner in Newark. Edmonton visits New Jersey, and the spotlight falls squarely on Leon Draisaitl. Underdog is offering new users promo code FOXNEWS to play $10 and get $50 in bonus entries on any game tonight.This game comes down to the best offensive duo in hockey against one of the best goalies in the world. Hellebuyck has been excellent early in his Devils tenure, going 2-0-0 with a 1.50 goals-against average and a .923 save percentage. Edmonton counters with Tristan Jarry, who is 4-1-2 with two shutouts but just a .901 save percentage.That gap in net is why New Jersey is favored at home. It’s also why the Oilers are interesting at plus money. Edmonton doesn’t need many chances to score, and few teams can match the speed and skill McDavid and Draisaitl bring to the top of the lineup. The Devils won the last meeting 2-1 in January, and the total sits at 6.5 with the under juiced at -125, so the books expect another tight one.For pick’em, McDavid is the starting point. His point line is the safest way to get exposure to Edmonton’s offense, and even a quiet night for the Oilers usually runs through him. On the other side, Hellebuyck’s saves line is worth a look. If Edmonton controls the puck the way it usually does, he’ll be busy.Odds are subject to changeThe defending Stanley Cup champion Hurricanes visit Nashville at 8 p.m. ET, and Anaheim at Vancouver closes the night at 9 p.m. ET. Earlier, Nikita Kucherov and the Lightning host Detroit in one of eight games at 7 p.m. ET.7:00 p.m. ET7:30 p.m. ET8:00 p.m. ET9:00 p.m. ETIt’s a loaded NHL slate on Tuesday night. McDavid and Draisaitl against Hellebuyck, plus 10 more games around it. Play $10 on Devils-Oilers or any game tonight with Underdog promo code FOXNEWS and get $50 in bonus entries.

Fanatics Sportsbook Promo Code FOXNEWS350: Bet $20, Get $350 on Tonight’s NHL Action

November 3, 2026 MMN Editor Filed Under: THE NEWS

Eleven NHL games are on the board Tuesday night, starting with a nine-game 7:00 p.m. ET window and running all the way to a late puck drop in Vancouver. Fanatics Sportsbook is offering new users promo code FOXNEWS350 to bet $20 and get $350 in FanCash on any game tonight.The Carolina Hurricanes raised their second Stanley Cup banner on opening night, and Tuesday they visit Nashville in the lone 8:00 p.m. ET game. Every team gets up for the defending champions, and the Predators get the Canes in their own building. Pyotr Kochetkov is slated to get the start between the pipes for the ‘Canes, and he is off to a record-setting pace. With Kochetkov in the crease, the Hurricanes have one ten straight as he has recorded a blistering 1.50 GAA to go along with two shutouts. Tampa Bay hosts Detroit at 7:00 p.m. ET with Nikita Kucherov, who won his second Hart Trophy last season, leading the way. He’s still one of the most productive players in the sport, and the Lightning at home are always a tough out. There have been rumblings that Kucherov may want out of Tampa, which would be massive news in the NHL world. Ironically, Detroit is one of the list of teams that have reportedly already inquired about the Hart Trophy winner. 7:00 p.m. ET7:30 p.m. ET8:00 p.m. ET9:00 p.m. ETWith the league moving to an 84-game schedule this season, there’s hockey almost every night, and Tuesday is one of the busiest of the week. New users can bet $20 on any NHL game tonight and get $350 in FanCash with Fanatics Sportsbook promo code FOXNEWS350.

The Second Meal Effect: Your Lunch Begins at Breakfast

November 3, 2026 MMN Editor Filed Under: THE NEWS

The Second Meal Affect explained by GoldCare Health & Wellness
Most people think of meals as isolated events. You eat breakfast, your blood sugar rises and falls, and by lunchtime your body starts over.
But what if your breakfast is still influencing your blood sugar five hours later? Or what if tonight’s dinner affects how your body handles breakfast tomorrow morning?
This phenomenon is called the second-meal effect, and it reveals something important about metabolism: Your body remembers what you ate, even after the meal has been digested.
The question is how long that effect lasts, what causes it, and whether you can use it to improve your blood sugar control.
The evidence
In a 2006 study, ten healthy adults ate one of three different breakfasts. Five hours later, each ate the same lunch, containing 93 grams of carbohydrate. 
The researchers wanted to know whether the composition of breakfast would affect how the body handled an identical lunch several hours later. It did. Despite eating exactly the same lunch, participants had different blood glucose responses depending on what they had eaten for breakfast.
The phenomenon was first described about a century ago and was later investigated by David Jenkins, who developed the glycemic index, in the early 1980s.
Repeated spikes in blood sugar after meals are associated with increased cardiometabolic risk, meaning a greater likelihood of developing conditions such as type 2 diabetes, heart disease, and stroke. If changing breakfast can improve the body’s response to lunch, it offers another way to manage blood sugar without necessarily changing lunch itself.
But why would a meal eaten five hours earlier still matter?
The mechanisms
Several biological mechanisms help explain the second-meal effect.
Free fatty acids. Between meals, adipose tissue (body fat) releases free fatty acids (FFAs) into the blood to fuel the body. Insulin suppresses that release after you eat. Elevated FFAs impair glucose uptake in skeletal muscle. A breakfast that keeps FFAs lower for several hours may therefore help your muscles process glucose more efficiently when lunch arrives.
Fermentable carbohydrates. In the 2006 study, one breakfast consisted of a rapidly digested, high-glycemic cake supplemented with lactulose, a fermentable carbohydrate. Lactulose works much like certain fermentable fibers found in beans, oats, onions, and bananas. Many of these fibers are also known as prebiotics because they feed beneficial gut bacteria.
Instead of being digested in the small intestine, lactulose travels to the colon, where gut bacteria break it down. This process, called fermentation, produces compounds that can help regulate blood sugar.
Despite the breakfast’s high glycemic index, participants had a better blood sugar response to lunch five hours later. Researchers linked this improvement to bacterial fermentation in the colon and lower levels of free fatty acids (FFAs) in the blood. High levels of FFAs can make it harder for the body’s cells to absorb glucose, so lowering them helps the body control blood sugar more effectively.
In other words, fermentable fibers eaten at breakfast may still be influencing how your body handles blood sugar hours later.
Hormonal priming. The first meal can also influence how the pancreas and digestive system respond to the next one. In adults with type 2 diabetes, breakfast appeared to prime the hormonal response to lunch: insulin and GIP, a gut hormone that helps stimulate insulin secretion, rose higher after lunch than after breakfast.
These mechanisms show why blood sugar regulation depends on more than just the content of your next meal. What you ate earlier can also influence the result.
Does protein have the same effect?
Protein is an important part of breakfast, but its benefits need to be distinguished from the second-meal effect.
When eaten with carbohydrates, protein can help moderate the glucose response to that meal, depending on the amount and composition of the food. But those benefits don’t necessarily carry over to the next meal.
In one trial of twelve adults with type 2 diabetes, a high-protein breakfast lowered post-breakfast glucose. It did not change lunchtime glucose compared with a high-carbohydrate breakfast. 
Protein still belongs at meals. It increases satiety, supports lean mass, and improves the immediate glucose response. But the evidence for a second-meal benefit is weaker than the evidence for certain fermentable fibers and slowly digested carbohydrates, like lentils, chickpeas, beans, barley, and steel-cut oats. 
Fat also affects how the body processes carbohydrates. It slows the rate at which food leaves the stomach, delaying carbohydrate absorption and often reducing the initial glucose spike. However, it can also prolong the glucose response, sometimes causing blood sugar to rise several hours later, particularly in people with diabetes.
Like protein, fat’s effects on the current meal don’t necessarily translate into better glucose control at the next one.
Can the effect last overnight?
Five hours is one thing. But can what you eat tonight influence your blood sugar tomorrow morning? Research suggests that it can.
Studies have found that certain low-glycemic evening meals, particularly those containing slowly digested or fermentable carbohydrates, can improve glucose tolerance at breakfast the following morning.
The mechanisms overlap with those seen during the day. Slowly digested carbohydrates and fermentation in the large intestine may influence free fatty acid levels and glucose metabolism long after dinner is over.
That suggests that the metabolic effects of a meal can persist for up to 16 hours, and sometimes longer, depending on the food and the interval between meals.
However, that does not mean every meal has a predictable 16-hour effect. The duration depends on the type of carbohydrate, the amount consumed, individual metabolism, and other factors.
The important takeaway is that your metabolism doesn’t necessarily reset when you go to sleep.
Should you skip breakfast?
The second-meal effect describes how one meal influences the body’s response to the next. It isn’t limited to breakfast and lunch. After all, it’s called the “second-meal effect,” not the “breakfast-lunch effect.”
The lesson isn’t that breakfast is mandatory; it’s that meals are metabolically linked. 
If you practice intermittent fasting, which is eating within a compressed timeframe such as 11 am-7 pm, these findings are completely consistent. What you eat at one meal influences your glucose response not just for that meal, but for the next meal. 
The bottom line
Most people already know the importance of limiting excess sugar, choosing carbohydrates carefully, and paying attention to blood glucose levels.
The second-meal effect adds another useful tool: understanding that what you eat at one meal can influence how your body processes the next.
Research has demonstrated this effect five hours after breakfast and even across an overnight fast. How much longer it can last, and under what conditions, is still being investigated.
Have a question for the GoldCare HealthDesk? Let us know here.

Richard Amerling, MD is Academic Director at GoldCare Health & Wellness. A longtime academic nephrologist at Beth Israel Medical Center and Associate Professor at Mount Sinai, he taught clinical skills at St. George’s University until 2021, when he was placed on leave for declining an experimental treatment. He then served as Associate Medical Director for America’s Frontline Doctors. He has written and lectured extensively against evidence-based medicine and rigid clinical guidelines, advocating independent clinical judgment.

The post The Second Meal Effect: Your Lunch Begins at Breakfast appeared first on The Gateway Pundit.

Your Retirement Portfolio Needs a Fire Drill Before the Next Market Drop

November 3, 2026 MMN Editor Filed Under: Money.com, SUCCESS

Are you prepared for the next stock market correction? If not, you could be tempted to panic sell, which can be especially harmful to retirees.
That’s because seeing red in your investment portfolio can lead to heightened emotions and stress, which can in turn lead to poor investing decisions. If you sell during a downturn, you’re not only locking in losses but also taking away your portfolio’s opportunity to take advantage of the market recovery. Retirees can use a simple “fire drill” exercise to test if they can withstand a prolonged correction before it occurs.

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Why retirees need a different kind of market plan
No long-term investor likes it when the stock market drops, but it can be an especially scary moment for retirees who need to withdraw from their portfolios to cover living expenses. Retirees don’t have a steady paycheck that can help out with ongoing expenses.
They also deal with a special type of risk known as the sequence-of-returns risk, which is the danger that a market correction early in retirement could require a retiree to sell more investments to generate cash, leaving them with a smaller nest egg for the duration of their retirement. It will take longer to recover what they lost since they must continue to withdraw to cover living expenses, and that can force some people to live on less or get a part-time job.
It’s important to know how much risk you can tolerate and what amount of cash you should have on the sidelines.
How to run a retirement portfolio fire drill
The first step of the drill is to review your current portfolio mix to see how you have allocated capital across stocks, bonds, cash and other assets. Then, test a hypothetical drop. For instance, assess how your portfolio and withdrawal strategy would change if your stock portfolio lost 20% or 30% of its value.
In that situation, it’s good to have a large cash buffer that can cover monthly living expenses, so you don’t have to withdraw from your portfolio as much. Income sources like Social Security, a pension or gig work can also make you less reliant on portfolio withdrawals.
It’s also a good idea to review your portfolio’s concentration in specific sectors and stocks. Some investors rely too much on a single stock or industry, which can result in additional losses if their favorite stock or sector enters a significant correction.
This drill also lets you determine how you would respond in this type of situation. Did you feel a sense of panic at the thought of a 30% drop, or did you feel confident in your ability to navigate that scenario? Investors who felt some panic may want to rebalance their portfolios.
What to fix before the next sell-off
Trying to time the market is risky, especially for retirees who are depending on their portfolios to cover their everyday essentials. You can rebalance your portfolio to build a sufficient cash reserve so you don’t have to sell investments during a downturn. Assessing income streams and expenses will also help you determine the gap you have to cover with your portfolio and cash reserves.
Many financial advisors recommend that retirees keep enough cash available to cover one or two years of expenses. Then, you could invest money in fixed-income assets to cover shorter term needs and growth-oriented assets like stocks to help ensure you don’t run out of money deep into retirement.
You should also plan how you will withdraw funds from various retirement saving accounts to minimize your tax impact. Tax treatment is different for Roth plans, traditional plans and brokerage accounts. A tax professional or a financial planner can help you coordinate your withdrawals to trim your taxes.

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SAFE vs Convertible Note: Which One Costs You Less of Your Company?

November 3, 2026 MMN Editor Filed Under: Addicted2Success, SUCCESS

In the SAFE vs convertible note decision, the SAFE usually costs you less of your company: it is not debt, it charges no interest and it has no maturity date that an investor can use to reopen your terms. A convertible note is a loan that converts into equity, so accrued interest turns into extra shares and the maturity date hands investors leverage if your next round runs late. Use a post-money SAFE by default, and only take a note when the investor, the timing or your country’s norms genuinely call for one.
Here’s a moment I’ve seen play out more than once. A founder has two documents open on the kitchen table at 11pm. One is a five-page Y Combinator SAFE. The other is a convertible note from an angel who says it’s “basically the same thing.” Same $1 million. Same $10 million cap. The founder figures the difference is paperwork, signs the note because the angel moved first, and doesn’t think about it again until two years later, when the cap table shows they gave away more of the company than they ever agreed to.
They are not basically the same thing. The conversion math is similar. The leverage is not. That’s what this guide is about: not which document is more popular, but which one costs you less of your company.
Startup attorney Brett Cenkus gives a clear plain-English overview of both instruments here, before we get into the numbers:

What a SAFE Is (and Isn’t)
SAFE stands for Simple Agreement for Future Equity. Y Combinator introduced it in 2013 and rewrote it as the post-money SAFE in 2018. An investor gives you cash today, and in exchange gets the right to receive shares later, usually when you raise a priced round like a seed or Series A.
The important part is what a SAFE leaves out. It is not a loan. There is no interest. There is no maturity date. If you never raise a priced round, nobody can knock on your door and demand their money back on a deadline. In a wind-down, SAFE holders generally sit behind creditors, which is exactly why investors accept a cap and a discount as their reward for that risk.
And the market has voted. On Carta, SAFEs made up roughly 93% of U.S. pre-seed rounds in Q1 2026, while convertible notes fell to a record low of about 7% of rounds, according to Carta’s State of Pre-Seed Q1 2026 report. When nine out of ten founders are signing the same instrument, investors know it cold, and that alone speeds up your raise.
What a Convertible Note Is
A convertible note is debt. It’s a loan to your company that is designed to turn into equity at your next priced round instead of being paid back in cash. Because it’s a loan, it carries three things a SAFE doesn’t:

Interest. Typically 2% to 8% a year. You don’t pay it in cash; it accrues and converts into more shares for the investor.
A maturity date. Often 12 to 24 months out. If you haven’t raised a qualifying round by then, the principal plus interest is technically due.
Seniority. If the company is sold cheaply or shut down, debt gets paid before equity, including founders and any SAFE holders.

Most founders never get a repayment demand. But the maturity date doesn’t have to be enforced to cost you. It just has to exist. When it arrives and you’re still not ready to raise, the conversation becomes “we’ll extend, if you lower the cap.” That’s the hidden price of a note.
The line I want every founder to remember is this: a SAFE is a bet on your future, a note is a loan against it.
SAFE vs Convertible Note: Side-by-Side Comparison

Feature
SAFE
Convertible note
Who it favors

Legal form
Contract for future equity (not debt)
Debt that converts to equity
Founder (SAFE)

Interest
None
Usually 2% to 8% a year, converts into shares
Investor (note)

Maturity date
None
Yes, often 12 to 24 months
Investor (note)

Valuation cap
Common (post-money on the YC form)
Common (often pre-money)
Depends on the number

Discount
Optional, often 15% to 20%
Common, often 15% to 20%
Investor

Liquidation position
Behind debt
Senior to all equity
Investor (note)

Paperwork
Standard YC template
More negotiated terms
Founder (SAFE)

Typical use in 2026
Default for pre-seed
Bridges, debt-minded investors, non-U.S. markets
Situational

Notice that the conversion engine is the same. Both use a valuation cap, a discount, or both. The difference is everything bolted on around it, and almost all of it leans toward the investor.
The Terms That Actually Decide Your Dilution
Valuation cap. The maximum valuation at which the investor’s money converts. A $1 million check at a $10 million cap buys roughly 10%, no matter how high your Series A is priced. The cap is the single biggest number in either document.
Discount. A percentage off the price new investors pay in the priced round, usually 15% to 20%. If an instrument has both, the investor gets whichever gives them more shares. A 20% discount only beats a $10 million cap when your round is valued below roughly $12.5 million, so in a strong round the cap does the work.
Post-money vs pre-money. This is where founders get surprised. On a post-money SAFE, the investor’s percentage is locked in, and every additional SAFE you raise dilutes you, not them. YC’s own explainer puts it bluntly: five $100k SAFEs at a $5 million cap means you sold 10%, not 2%. A pre-money cap spreads later dilution across existing holders, investors included, which is cheaper for you at the same headline number but much harder to forecast.
MFN. A most favored nation clause, common on uncapped SAFEs, says that if you later issue a SAFE with better terms, this investor can take those terms too. It’s fair for an early believer, but it means your worst future deal becomes everyone’s deal.
A Worked Founder Dilution Example
Numbers settle arguments, so here’s a simplified teaching example. It’s illustrative, not a real company, and it ignores option pools and pro rata rights to keep the math clean.
The setup: Two founders own 100% of the company through 10,000,000 shares. They raise $1,000,000 at a $10 million post-money cap. Eighteen months later they raise a $4 million seed round at a $20 million pre-money valuation ($24 million post).
Option A: post-money SAFE. The SAFE converts at the cap into exactly 10% of the company before the seed money comes in, so the founders hold 90%. The seed investors then buy 4/24, or 16.7%, which scales everyone else by five-sixths. Founders end at 75.0%.
Option B: convertible note, same cap, 6% simple interest. After 18 months, the $1,000,000 has grown to $1,090,000 with accrued interest, and all of it converts. That’s 10.9% instead of 10%. After the seed, founders end at about 74.3%. The interest alone cost them 0.75 points of the company. On a $200 million exit, that’s $1.5 million that never shows up in anyone’s pitch deck.
Option C: the note matures before the round. Now the seed slips. At 24 months the note is due, the founders can’t repay $1.12 million, and the investor agrees to extend in exchange for dropping the cap to $8 million. At 30 months, $1,150,000 converts at an $8 million cap, which is about 14.4%. After the seed, founders end at about 71.4%. That’s about 3.6 points more than the SAFE, and none of it was about the business. It was about the calendar.

Scenario (example only)
Converting amount
Investor stake before seed
Founders after seed

A. Post-money SAFE, $10M cap
$1,000,000
10.0%
75.0%

B. Note, $10M cap, 6%, 18 months
$1,090,000
10.9%
74.3%

C. Note extended, cap cut to $8M, 30 months
$1,150,000
14.4%
71.4%

One honest caveat: a note with a pre-money cap can be cheaper for founders than a post-money SAFE at the same headline cap, because later money shares the dilution. So compare effective ownership, not labels. Ask your lawyer or your cap table tool to model the exact conversion before you sign anything.
If you have a co-founder, run this alongside your founder equity split, because every point you sell on a SAFE or note comes out of the same pie you just divided between you.
When a Convertible Note Still Makes Sense
I’m not anti-note. There are real situations where it’s the right tool:

The investor insists. Some angels, family offices and corporate investors are only allowed to hold debt, or simply won’t sign a SAFE. If the check matters, a fair note beats no round.
A short bridge with a known finish line. If a priced round is already in motion and you need 60 to 90 days of runway, a note with a 12-month maturity carries little real risk.
Geography. SAFEs are a U.S. creation. In some countries, notes or local equivalents are what investors, accountants and courts understand, and swimming against that costs you time.
Investor-friendly terms are the price of a better cap. If a note gets you a meaningfully higher cap, it can still win on dilution. Run the numbers.

One structural warning from YC’s SAFE vs convertible note guide: if you issue a note after SAFEs, your SAFE investors automatically sit behind it in line. Pick one instrument for your early money and stick with it.
And remember the third option. If your revenue can carry the growth, you might not need either document yet. I’ve written about how to bootstrap a startup to $10M, and the founders who do it keep every point of that 75%.
How to Choose Between a SAFE and a Convertible Note

Default to the YC post-money SAFE. It’s the market standard, investors recognize it, and it removes interest and maturity from the conversation.
Model total dilution before you sign. Add up every SAFE and note at its cap. Post-money SAFEs stack, so the percentage you’ve sold is the sum of investment divided by cap.
Negotiate the cap, not the document. The cap moves your ownership more than any other term. A higher cap on a note can beat a low cap on a SAFE.
If you take a note, defang it. Push for low interest (2% to 4%), a long maturity (24 months or more), automatic conversion at maturity rather than repayment, and no optional cash-out.
Watch MFN and side letters. Know which investors can copy future terms, and which have pro rata or information rights attached.
Keep one instrument per round. Mixing notes and SAFEs creates seniority fights and messy conversions.
Get startup counsel to review it. A few hours with a lawyer who closes these every week is the cheapest insurance on your cap table.

This article is for education only and isn’t legal, tax or investment advice. Every round has its own facts, so have a qualified startup attorney review your documents before you sign.
Here’s the way I’d sum it up. Popularity isn’t the reason to pick a SAFE. The reason is that it lets you spend the next 18 months building the company instead of watching a maturity date. Protect your ownership like it’s the last thing you’ll ever raise money on, because for a lot of founders, it is.
SAFE vs Convertible Note FAQs
Is a SAFE better than a convertible note for founders?
Usually, yes. A SAFE has no interest, no maturity date and no debt seniority, so it gives investors fewer levers over you. A convertible note can still win if it comes with a meaningfully higher valuation cap or a required investor.
Does a SAFE have to be paid back?
No. A SAFE is not a loan, so there is no repayment deadline. It converts into shares at your next priced round or pays out in an acquisition. In a wind-down, SAFE holders usually rank behind creditors.
What interest rate do convertible notes usually carry?
Convertible notes typically carry 2% to 8% annual interest. It is rarely paid in cash. Instead it accrues and converts into extra shares for the investor at the priced round, which quietly increases founder dilution the longer the round takes.
What is the difference between a pre-money and post-money SAFE?
A post-money SAFE locks in the investor’s ownership percentage, so every additional SAFE dilutes founders only. A pre-money SAFE shares later dilution with investors, which can be cheaper for founders but makes the final ownership much harder to predict.
What happens when a convertible note reaches maturity?
At maturity, principal plus interest is technically due. Most investors extend instead of demanding cash, but they often ask for a lower cap or better terms in return. That renegotiation, not repayment, is the real cost of a note.
The post SAFE vs Convertible Note: Which One Costs You Less of Your Company? appeared first on Addicted 2 Success.

ABC Fears Trump to Steal Midterms, Hint He’s Behind Thick NY Ballots

November 3, 2026 MMN Editor Filed Under: Commentary Culture Investigations

ABC via SnapStream

It’s Election Day and ABC’s purported “bona fide news program” The View was desperately trying to scare voters to the polls with unhinged conspiracy theories that President Trump was going to try to steal it. During this conversation, Sunny Hostin shared that her New York ballot was suspiciously unable to be scanned. They tried to have their cake and eat it too as they praised Democrats for being ready to confront anything Trump would try.“I’m worried about their fooling around at the polls,” co-host Joy Behar proclaimed. She said that she received a call form Senate minority leader Chuck Schumer (D-NY) yesterday and he reassured her Democrats were ready:So, I got a call from Senator Chuck Schumer yesterday. I said, ‘chuck, baby, what’s hanging,’ you know. And he told me that the Democrats have it covered. That they are going to have thousands of people at all of the polls and that made me feel a lot better.Recalling their interview with Hillary Clinton and Kara Swisher from the previous day (where they claimed the election results could be hacked and altered, and that Social Security Numbers would be used for mind control), Hostin also boasted that Democrats were standing by:You know, Hillary Clinton was on yesterday and she gave me a lot of hope as well. She said they are meeting, the Democrats are meeting in war rooms all over the country and thinking about what is the craziest thing that Trump and the Republicans could do to mess with the elections, and they have a plan to address the craziest things. Because when you think about President Trump, you got to think about the craziest things. The View tries to walk back the election theft conspiracies they were pushing yesterday (results being hacked and mind controlling voters). They now tell viewers not to worry because “Democrats are prepared” and “have a plan to address the craziest things.” pic.twitter.com/UyEvRDBkxd— Nicholas Fondacaro (@NickFondacaro) November 3, 2026 “And so, I think Democrats are prepared if there is going to be any sort of election shenanigans, I hope there won’t be,” she added.However, moderator Whoopi Goldberg wasn’t so optimistic. “I believe that lots of things could happen and I’m hoping for the best,” Goldberg said before looking to Hostin to explain her voting experience in Westchester County, New York that morning.Hostin ominously recounted how, after she had filled out her ballot, “I was told to put — to fold my ballot and put it into an orange bag because that voting machine wasn’t working. And so, I asked what about this one? What about this one? What about this one? And apparently none of them were working.”“You need to report that,” Behar exclaimed. During a conversation about Trump trying to steal the election, The View brings up how Sunny Hostin had difficulty voting that morning in Westchester County, NY. The juxtaposition of the conversations seems to suggest they were blaming President Trump for New York’s Westchester… pic.twitter.com/M5hPrQeBO7— Nicholas Fondacaro (@NickFondacaro) November 3, 2026 Alyssa Farah Griffin had to tap the breaks. “And so, they’re reporting that it has something to do with the thickness. It’s been covered widely in the news that it’s the thickness of the paper the ballots…” she tried to explain.“Honestly, the ballot felt like every ballot that I’ve cast in the past 20 years in Westchester County,” a skeptical Hostin added. She provided no evidence of something nefarious or explanation of how Trump could be responsible for ballot thickness in Democrat-controlled New York.Farah Griffin didn’t like where the rest of the cast were trying to leave things on Election Day:I think it’s super important with people going out who haven’t voted yet to know, do trust the process. I understand being skeptical because of things that we’ve seen but states administer elections, local officials administer elections. And even in the past when President Trump in 2020 tried to challenge the results, 60 courts knocked them down. Republicans in Michigan refused to give into it.If there was any question about which way the ABC News program wanted the results to go, Goldberg closed out the show by proclaiming: “keep your fingers crossed for a better tomorrow.”The transcript is below. Click “expand” to read:ABC’s The ViewNovember 3, 202611:09:17 a.m. Eastern(…)JOY BEHAR: I’m worried about their fooling around at the polls. So, I got a call from Senator Chuck Schumer yesterday. I said, ‘chuck, baby, what’s hanging,’ you know. And he told me that the Democrats have it covered. That they are going to have thousands of people at all of the polls and that made me feel a lot better.HOSTIN: You know, Hillary Clinton was on yesterday and she gave me a lot of hope as well. She said they are meeting, the Democrats are meeting in war rooms all over the country and thinking about what is the craziest thing that Trump and the Republicans could do to mess with the elections, and they have a plan to address the craziest things. Because when you think about President Trump, you got to think about the craziest things.BEHAR: The crazy ones you’re talking about also as she said the other day, Whoopi they project what they’re going to do.HOSTIN: They say the quiet part out loud. And so, I think Democrats are prepared if there is going to be any sort of election shenanigans, I hope there won’t be.GOLDBERG: Listen, I – I believe that lots of things could happen and I’m hoping for the best. But I think the country is prepared for exactly what you’re talking about.HOSTIN: Yeah.GOLDBERG: And, you know, you tried to vote. What happened today?BEHAR: What happened?HOSTIN: I live in Westchester County and I tried to vote very early this morning before 7:00 a.m. And I got there and I filled out my ballot and I took it back to go to the ballot machine and I was told to put — to fold my ballot and put it into an orange bag because that voting machine wasn’t working. And so, I asked what about this one? What about this one? What about this one? And apparently none of them were working.ALYSSA FARAH GRIFFIN: And so, they’re reporting that it has something to do with the thickness -BEHAR (interrupting): You need to report that.FARAH GRIFFIN: It’s been covered widely in the news -HOSTIN: It’s been reported.FARAH GRIFFIN: – that it’s the thickness of the paper the ballots are accepting -GOLDBERG: That’s because they probably had them in their back pocket and got washed and got fat.HOSTIN: Honestly, the ballot felt like every ballot that I’ve cast in the past 20 years in Westchester County.FARAH GRIFFIN: I just – I think it’s super important with people going out who haven’t voted yet to know, do trust the process. I understand being skeptical because of things that we’ve seen but states administer elections, local officials administer elections. And even in the past when President Trump in 2020 tried to challenge the results, 60 courts knocked them down. Republicans in Michigan refused to give into it.(…)

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