Podcasts about anso

La II Semana de la Memoria de Ansoáin une cultura, historia y montaña para honrar a los fugados del Fuerte San Cristóbal

Esta medida busca "anticiparse a los posibles efectos negativos de la proliferación de pisos turísticos, como el incremento de dificultades en el acceso a la vivienda de personas residentes"

This week, Béla chats to Sydney/Eora based experimental musician, AnSo. AnSo is the artist moniker of producer, songwriter and performer Soie An. Their latest album It’s Myself That I Crave was voted in at number 5 on last year’s Wettest 100 album countdown.AnSo joins Béla in the studio to talk about how performance informs their work, experimenting with found sounds, and dancing in public fountains.See omnystudio.com/listener for privacy information.

PART 2 : Dans cet épisode de Peause Podcast, je reçois Carole Ballerini, du compte instagram Thecleanjuncky, chimiste et experte en cosmétique, pour répondre aux questions que nous nous posons toutes sur les actifs et les produits qui composent nos routines skincare. Avec son expertise scientifique, Carole démystifie les ingrédients phares et partage ses conseils pour les intégrer efficacement.Au programme de cette deuxième partie :C'est quoi un peptide ? Quel est sont rôle sur les rides ?Comment fait-on des tests cliniques en cosmétique ?Les acides de fruits, les différencier Quel acide de fruit pour les tâches pigmentaires ?Quel acide de fruit pour les imperfections ?Une bonne routine skincare quand on a 35 ansOù retrouver Carole ?Son compte instagram--

Conocemos la Receta Deportiva y Social de Berriozar, así como los grupos de actividad física para personas mayores y hablamos con los responsables de las Recetas Deportivas de los Ayuntamientos de Ansoáin y Noain, de sus experiencias en estos proyectos de salud local

Our former employer points us to a dwarf named Anso who needs someone to reclaim cargo that was…not not stolen from him by some very reasonable smugglers. A few dead bodies later and it seems like the crew has been had. What's really going on here? Special thanks to Redd Spinks for our amazing logo as well as to Miracle of Sound for the song Age Of The Dragon, which we use as our theme music. Check out this week's Fandom Corner: OctoBabe You can find the show on Twitter, Instagram, Tumblr, Bluesky and Facebook! Please rate and review us on Apple Podcasts! Rate us on Spotify! Wanna join the Certain POV Discord? Click here!

El próximo 25 de mayo el patio del colegio Ezkaba acogerá una fiesta para celebrar el Día Internacional de África

Es liegen aufregende Monate hinter dem Team der 1. Frauen des FC St. Pauli. Diese begannen vor einem Jahr mit dem erstmaligen Gewinn des Hamburger Pokals und der damit verbundenen Qualifikation für den DFB-Pokal. Es folgte ein Nervenkrimi in Altona gegen Magdeburg, ein Derby vor knapp 20.000 am Millerntor und nach überschaubarer Hinrunde jetzt doch noch der souveräne und frühzeitige Klassenerhalt. Über all das und noch viel mehr sprachen wir mit AnSo, Hechti und Zawadi. Nebenbei wurde auch noch ein Karriereende verkündet, weswegen Ihr unbedingt am 26. Mai zum Spiel gegen Werder in die Feldarena kommen solltet. Der Termin für das Pokalfinale am 2.6. sollte ja eh schon im Kalender stehen.

mit AnSo, Hechti und Zawadi Es liegen aufregende Monate hinter dem Team der 1. Frauen des FC St. Pauli. Diese begannen vor einem Jahr mit dem erstmaligen Gewinn des Hamburger Pokals und der damit verbundenen Qualifikation für den DFB-Pokal. Es folgte ein Nervenkrimi in Altona gegen Magdeburg, ein Derby vor knapp 20.000 am Millerntor und nach überschaubarer Hinrunde jetzt doch noch der souveräne und frühzeitige Klassenerhalt. Über all das und noch viel mehr sprachen wir mit AnSo, Hechti und Zawadi. Nebenbei wurde auch noch ein Karriereende verkündet, weswegen Ihr unbedingt am 26. Mai zum Spiel gegen ...Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen? Dann schaue auf www.kostenlos-hosten.de und informiere dich. Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.Gern unterstützen wir dich bei deiner Podcast-Produktion.

mit AnSo, Hechti und Zawadi Es liegen aufregende Monate hinter dem Team der 1. Frauen des FC St. Pauli. Diese begannen vor einem Jahr mit dem erstmaligen Gewinn des Hamburger Pokals und der damit verbundenen Qualifikation für den DFB-Pokal. Es folgte ein Nervenkrimi in Altona gegen Magdeburg, ein Derby vor knapp 20.000 am Millerntor und nach überschaubarer Hinrunde jetzt doch noch der souveräne und frühzeitige Klassenerhalt. Über all das und noch viel mehr sprachen wir mit AnSo, Hechti und Zawadi. Nebenbei wurde auch noch ein Karriereende verkündet, weswegen Ihr unbedingt am 26. Mai zum Spiel gegen ...Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen? Dann schaue auf www.kostenlos-hosten.de und informiere dich. Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.Gern unterstützen wir dich bei deiner Podcast-Produktion.

Die erste Folge komplett auf Englisch. Wie sonst auch freue ich mich über Feedback um den Kanal und die Folgen stetig zu optimieren und zählt natürlich auch für diese Folge! Auf YouTube findet ihr die Folge auch mit Untertiteln! Viel Spaß! When thinking about elegant and gentlemanly knives, what name comes to your mind? For me it's Jens Anso! Designs like the Casino, Aros or the Sheepsfoot really stand out in their elegance and sublety. But it's not only knives, there are also diverse tools like the Astra. Need a small fork or a prybar? The Astra has your back, just switch between two different blades, a fork or a prybar! If that isn't enough, just check out GiantMouse Knives, where Jens is also part of the masterminds, here you can find a knife for every taste! Let's take a closer look at his current midtech models in the Aros and the Sheepsfoot, maybe there is also something new on the horizon? •Has EDC always played a role in your life? •How did you first get into contact with designing EDC gear? •The Sheepsfoot - the backbone of Anso of Denmark? •Who would you recommend the Sheepsfoot to? •How did you come up with the design of the Aros? •The Aros and the Sheepsfoot share the same blade shape – why would you consider a sheepsfoot blade for EDC? •Could both knives be a “one and done”? •How do you come up with new ideas? Where does your inspiration come from? •Will there be more semi-custom/midtech knives like the Aros and Sheepsfoot in your shop? •What kind of products do you design? •Is there something like a favorite design? •Anything you can tease for us? •What is Anso of Denmark and GiantMouse to you, personally? A dream come true? •Your personal highlight in your career! •Anso in three words! Links: Instagram: https://www.instagram.com/anso_of_denmark/ Homepage: https://anso-of-denmark.com YouTube: https://www.youtube.com/@jensanso

Jens Anso is a world class knife maker and designer as well as a long time friend of the pod. He was an obvious choice for our first ever guest. Patreon: patreon.com/user?u=87729999

Bonjour à tous ! C'est Richoult, me revoilà avec un trailer pour vous annoncer un nouvel épisode, hors saison certes, mais un nouvel épisode quand même de La Mémoire Arrangée ! Quoi, comment ça vous ne savez pas encore ce que c'est que ce podcast ? C'est une fiction audio mais au format soapcast (Soap : programme télévisuel basé sur une narration perpétuellement ouverte, style Plus Belle La Vie), un concept créé par François Descraques. Aujourd'hui je ne vous annonce par une, mais deux dates ! Prenez vos agenda !Pour commencer, nous allons jouer sur scène l'épisode 3 de La Mémoire Arrangée lors du Festival d'Ostara à Derval (44), le samedi 23 Mars à 18h30 ! Dans cet épisode, vous pourrez voir jouer Richoult, AnSo, Whaza, Foxy, Torakh. Ainsi que Cha et Arbassin de Critical Play ! Exceptionnellement, lors de cet évènement, vous pourrez aussi tester le JDR La Mémoire Arrangée, masterisé par Gary ou Richoult. Nous jouerons aussi sur scène l'épisode 4 Hors Saison de La Mémoire Arrangée, lors du festival Angers Geekfest (49), le dimanche 7 avril, à 10h30 ! Dans cet épisode, vous pourrez voir jouer Richoult, Simon, Boris, AnSo, Foxy et Torakh. Ainsi que Pen of Chaos, le créateur du Donjon de Naheulbeuk. Un jeu de société “Le Donjon de Naheubeuk” dédicacé par POC, d'une valeur de 45€ sera à gagner en tirage au sort dans notre public. Pour cette occasion, on fait gagner 8 invitations (4 sur Instagram et 4 sur Youtube) pour venir nous voir lors d'Angers Geekfest ! Si ce format vous plaît, je vous demande de commenter et partager à fond la vidéo Youtube. Parlez de ce podcast autour de vous si vous souhaitez qu'on continue ce projet, c'est important !Et si jamais vous souhaitez une saison 2, je ne peux que vous recommander de nous soutenir financièrement sur Tipeee ou Patreon. Pour plus d'infos à ce sujet, je vous redirige vers l'édito de l'épisode 10.Et puis s'il y a des utilisateurs de Tiktok, n'hésitez pas à prendre des extraits de La Mémoire Arrangée pour les jouer et nous notifier (@teamjavras ), j'adorerais voir vos interprétations ! Allez, je vous laisse avec l'épisode !  Hors saison - épisode 03 et 04 - Trailer Découvrir la série : La Mémoire Arrangée https://www.youtube.com/watch?v=K-tTlHtRZHU

You've probably heard of BTS and Blackpink but there's more to Korean music than just K-pop. With the spread of Korean culture around the world, Korean music is having its moment in the spotlight. Beyond the catchy tunes and cute dance moves that make up the K-pop industry, discover the world of K-indie, K-rap and more. Joined by emerging Korean-Australian musicians AnSo and JYLPO, Shona and Harry delve into how Korean music impacts Korean-Australians.

“En la montaña con ellas” es el título de la semana organizada por Antsoaingo Mendi Eskola para visibilizar la presencia de las mujeres en esta disciplina deportiva

At the age of 11, Jose was sent on a 2,000-mile, month-long journey through three countries to come to America. He left behind the only family he ever knew to escape conscription in the Nicaraguan military and have a chance at a better life. This is one of those stories that illustrates why I started this podcast. It's about overcoming immeasurable odds and making things happen no matter what life throws at us. Lieutenant Colonel (LtCol) Jose L. Montalvan, originally from Nicaragua, enlisted in the Marine Corps in 1995 from his adopted home of Hialeah, FL. He graduated from the Broadened Opportunity for Officer Selection and Training Program in 2000. Upon graduation, he was selected for the Marine Enlisted Commissioning Education Program. LtCol Montalvan attended Florida State University as part of the Naval Reserve Officer Training Corps, where he obtained his Bachelor of Science in Criminology. LtCol Montalvan was commissioned as a Second Lieutenant in 2002.As a company grade officer, LtCol Montalvan served as the Motor Transport and Assistant Logistics Officer for the 3rd Battalion, 2nd Marines, where he deployed to support Operation Iraqi Freedom. He subsequently served as the Executive and Operations Officer for Recruiting Station Albuquerque, NM. As a field grade officer, LtCol Montalvan was the Expeditionary Branch Officer-In-Charge at the Marine Corps Logistics Operations Group. He then completed his Joint tour at Joint Functional Component Command for Integrated Missile Defense, United States Strategic Command, where he served as an Integrated Missile Defense Watch Commander and later as the Global Ballistic Missile Defense Training, Education, and Exercise Director. Upon completing his Joint tour, LtCol Montalvan served as the 6th Marine Corps District Recruiting Operations Officer. LtCol Montalvan is currently the Assistant Chief of Staff G-4 for Marine Forces Japan.He is the recipient of numerous awards and volunteers himself in countless civic organizations, most notably the Association of Naval Services Officers, where he is currently the President and Marine Corps service representative.More on Jose and ANSO - https://www.ansomil.org/Visit my website: https://thehello.llc/THERESACARPENTERRead my writings on my blog: https://www.theresatapestries.com/Listen to other episodes on my podcast: https://storiesofservice.buzzsprout.comWatch episodes of my podcast:https://www.youtube.com/c/TheresaCarpenter76

El Ayuntamiento de Ansoáin impulsa la celebración de una semana especial centrada en el comercio local, del 11 al 17 de diciembre, bajo el lema "Ansoáin te enlaza". Esta iniciativa tiene como objetivo principal fomentar las compras en los negocios locales durante la temporada prenavideña, promoviendo así el desarrollo económico de la localidad 

When Alan Weedon met multidisciplinary artist Angie Pai, they were uni students taking their first steps in the adult world. He was struck by Angie's ability to have fun, youth-fuelled, messy adventures whilst retaining a closeness to her family and traditional values. It's a dynamic that Angie explores in her practice to this day, often with the involvement and input of her mother, Shu-Ling Huang. In this episode, Angie recounts the events which inspired her short film Listen to Mama (2019) while Alan describes the experience of viewing it and the resonance it's had in his own life.Angie's current exhibition is called Why You Like This? It runs until 21 May, 2023. Details can be found here.Download a copy of the transcript here:CreditsWritten, cut and hosted by Lisa DivissiSupervising production, sound design and mixing by Jon TjhiaFact checking by Mell ChunTheme music by Marcus WhaleAdditional music, including original compositions by AnSo and Marcus WhalePublished by Leah Jing McIntoshExecutive production by Lisa DivissiSpecial thanks this episode to Angie Pai, Shu-Ling Huang, Alan Weedon, Leah Jing McIntosh and Panda Wong.Shifting Subjects is a Liminal podcast and a proud member of the Broadwave podcast network. It is supported by City of Melbourne Arts Grants and Creative Victoria.Links and further reading, listening, watching:Podcasts:* Lulu Wang's film The Farewell (2009) got a mention when interviewing Angie. Wang originally told this story on radio as part of an episode of This American Life, titled What You Don't Know. Both versions are great.Art:* Last year I was lucky to catch Allison Chhorn's installation Skin Shade Night Day at ACE Gallery in Adelaide. It shares a sense of nostalgia and longing with Listen to Mama (2019). It's an immersive piece documenting the daily routines and rituals of her family, such as gardening and cooking, created with projected film and soundscape. Even simply closing your eyes and listening to the audio will transport you. You can also read an interview with Allison in Liminal Mag here.Film and TV:* I watched Kāinga (2022) at the closing night of the Melbourne Women in Film Festival earlier this year. Made by Asian filmmakers, it's a portmanteau film depicting the experiences of Asians making homes in Aotearoa New Zealand. There were a couple of moments, relationships and characters I kept thinking about whilst working on Angie's story. Kāinga is the third film in a trilogy produced by Kerry Warkia and Kiel McNaughton. If the chance comes up to see it, you must.* Everything Everywhere All At Once (2022) I know, I know, you've seen it already …rewatch?Read:* An interview with Angie Pai by James Robinson in Liminal (2018)* Why You Like This, co-produced by Eliza Jung, guest edited by Panda Wong. I was fortunate to read some of the writing in this collection ahead of its release. This is a perfect place to learn more about Angie's art. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit shiftingsubjects.substack.com

Tertulia y charleta sobre los retos a los que nos enfrentamos al escalar agencias y empresas de servicios. En este episodio participan Yolanda Ansó (Solid), Miguel Sanz (Bisiesto) y Corti (Product Hackers).NOSOTROS

Tertulia y charleta sobre los retos a los que nos enfrentamos al escalar agencias y empresas de servicios. En este episodio participan Yolanda Ansó (Solid), Miguel Sanz (Bisiesto) y Corti (Product Hackers).

Terça, 7 fevereiro 2023

Teresa Tran Discusses Shaw Floors' Updated Anso Colorwall by Floor Focus Magazine

Instagram: https://www.instagram.com/anso_sworldofart/Youtube:https://youtube.com/user/ansoish1Mail: ansogalex@gmail.comSupport this podcast at — https://redcircle.com/the-b-a-r-podcast/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Fobi AI (TSX-V:FOBI, OTCQB:FOBIF) CEO Rob Anson joined Steve Darling from Proactive to share news the company has agreed to a key referral partnership with FanMaker. This company is the largest provider of athletic team loyalty programs in the US and Australia. Fobi telling Proactive the app from FanMaker builds loyalty apps and websites for teams in the NCAA, NFL, NHL, NBA, MLS and MLB teams. Fobi now adds powerful real-time engagement and mobile commerce capabilities that will make FanMaker even stronger. Anso said Fobi will build and integrate advanced real-time data analytics which will enable teams and venue operators to automate and segment their operational and fan data.

What's With Those Strange Texts We've Been Getting? PLUS Hackers Using Deepfakes to Get Jobs Autonomous Taxis Block Intersection This New Law May Make Your Medical Care Cheaper and Better Even the NSA is Being Spied On Do You Use the Best Search Engine? What's the deal with those weird, wrong number texts. This is kind of a really big deal, frankly, when we get right down to it, because we are getting scammed, there's even a special name for these types of scams. and I don't even know what to start with this, cuz it's absolutely crazy. [Following is an Automated Transcript] [00:00:18] This is I'll follow on to a scam. Again, if you've been on the internet for a while, you're familiar with the Nigerian scam. You remember that? where there was a Nigerian prince. And of course there's a lot of variations of this scam, but he needed to get his money out of Nigeria. And the only way he could really do that is by using a us bank account. [00:00:43] And, you know, if you had a us bank account, you could really help him. And sure enough people would respond because he said, Hey, listen, I I've gotta wire some money out in order to gain access to it. And you can keep some of that money. And that amount kind of varied. And most of us kinda looked at that and with, uh, kind of crossed ice and said, what the heck? [00:01:08] How could this possibly work with anybody? The grammar was so bad. So much of it was just so out of reality, frankly, And really here here's the bottom line. It worked because it was poorly written. people kind of expected, oh my, this is a foreigner, right? You wouldn't expect someone that doesn't speak English as kind of their native language to be able to write really, really well. [00:01:36] And then when it comes to the whole concept behind it, again, they were looking for people who were kind of on the gullible side that weren't thinking it through all of the way. Well, we're at that spot again, and this is now using text messages and what's. And it's, it's been a pain, right? Uh it's it's annoying. [00:01:59] So what are they doing and why are they doing it? Well, they're going after you and me in this case, this isn't, uh, let's get tens of millions of dollars from this huge company. It's what can we get from the little. Quite literally, and you know, maybe some small businesses, because those are the people that are most likely to make some mistakes here. [00:02:24] So what they're doing is sending a text message, trying to get you to engage. So it, it might be a text message. Hey, uh, remember me? Right? There's an example. And, uh, you know, this is so, and so's, uh, doctor's office and checking up on your appointment. I'm looking right now at my, uh, at my WhatsApp list here. [00:02:52] I'm I'm not a WhatsApp fan, if you want some private communications use signal, but we use it for one of my masterminds. So here you go. This is, uh, Picture of a very pretty young lady and it says, hello, how are you today? Jason? Long time. No, see how's your family that came to me. Right? Course my name's not Jason. [00:03:13] I know that you know that, but apparently whoever this is, doesn't know that here's another one. Uh, even pretier girl, uh, Dr. David, my puppy moves very slowly and doesn't eat dog food. Can you make an appointment for me? So here we go. That was from, uh, air code 9 0 1 as though that's legitimate. Here's another one you are invited to join the Bitcoin discussion group. [00:03:39] Reply with the number one click to join another one. Oh, the same message. Different, different, uh, place. Here's another one. Are you Kevin? these, these are all coming into my WhatsApp and I I've been getting some similar ones on my phone, regular one here's one, it says, hello. And I said, hi there. And he said, hello. [00:04:06] International one, there it's, uh, going on and on and on. And there's a great article from subs stack that I shared this last week. If you have my insider newsletter, you have a link to this article and you can see some of the text messages in there. Now, this is from max Reed. Hi Tony. Remember me? It's been a long time since our last charity gala ended. [00:04:30] Mr. Wine, sorry for the traffic jam on the road. I may be 10 minutes late. Jason, my aunt tomorrow, I go to the airport to pick you up. You can tell me notes and flights. I have not been able to contact your phone. Uh, Duran, can you tell me how your handmade meatballs are made? It is so delicious. Hello, which is one of the ones I got here. [00:04:53] And the, and max said, sorry, who is this? Aren't you Kevin? Sorry. I think I added the wrong person. I'm not Kevin. Yeah. You got the wrong number. I usually have a lot of business partners. Maybe the secretary said Kevin's number wrong. I hope you don't mind. No worries at all. I see he was a kind person. [00:05:10] Acquaintance is fate. Where are you from? You see what happens? They like engaging another one. Hello. Nice to meet you. Who is this? I don't know why I have your number in my address book. Do we know each other? It is my business partner or broad. Who are you? I love traveling. Maybe we met in a certain city. [00:05:30] Maybe it is a kind of destiny that makes us similar to each other. now you must be a fan of travel. No look at the blue sky and white clouds behind your head. A good day starts in the morning. Good morning. Good evening. The guy sent a few hours later. This is called pig butchering, which is kind of a sad name for this considering the poor victims. [00:05:57] Um, I had one, I had a call from a radio station down in, not in a television station down in Florida. because one of their newscasters had received a message kind of similar to this. And it was an email and it was sent by someone else in the TV station and it had a phone number embedded in, it said, Hey, you know, text me here. [00:06:24] We're gonna have a party. I need you to do something for me. So the email came in, looking like it was from the station manager. So, what are you gonna do at that point? Well, so they figured, Hey, listen, uh, I'm gonna ask a station manager. And he said, no, no, I didn't send that email, know what's going on. And I have seen that a lot lately, uh, people who have been faking my email address. [00:06:49] They use a reply to header in the email in order to kind of fake that it's me. And so they called me up and said, Hey, Craig, uh, we're having an issue down here at the TV station. And could you help us out a little bit? And maybe we can do a story about it, which they ended up doing a story. So I started talking to this person and I used a throwaway phone number on my part. [00:07:18] So I wouldn't just get. Hassled all the time. So off we go and I respond and their English again was pretty poor, but they said, Hey, listen, we wanna have a party. And I want to get gifts to everybody. And I said, okay, so what's what you want. They said, oh, I I'm thinking what we'll do is we'll get gift cards for everybody. [00:07:39] So we went through, there was probably two dozen different messages back and forth, and it was pretty obvious that I was messing with them. If. Spoke English I guess, or spoke it. Well, I don't know how much to script these guys are running off of, but they wanted me. To go down to the late, the nearest drug store and buy a couple of dozen $50 gift cards. [00:08:05] And the idea was, we'll give those out to the other people in the TV station here as we have a little party. And I, you know, I thought, well, okay, where are these guys going with this? Because, uh, that's weird. So they kept asking if I had picked up the gift card yet and I kept making up excuses. Oh no, I had a hot story. [00:08:22] Come in. You know, we, we got this thing tonight. We gotta make sure it's on the six o'clock news and we kept going back and forth with them. And I finally said, okay, so I'm, I'm heading on out now, um, to buy them. And then, then what do you want me to do with them? And I said, okay, well, take a picture of the front of the cards, each one of the cards. [00:08:43] And then on the back, scrape off the number. And take a picture of that as well. So you could immediately see where they're going, right? Yeah. This isn't for any sort of a party. They're not giving them away. They want these gift card numbers so they can use them and cash them in. It, it, to me, it was just amazing that they were doing this. [00:09:02] It was so obvious. We kept. Playing with them there. There's another one called the romance scam, which is another one that, uh, kind of follows along the same lines it's got. So in this case, what they do is try and romance you, and it could be a lot of, uh, older people, right? They're lonely nowadays, a lot of younger people, a lot of divorces going on. [00:09:26] So they kind of romance you and it, it can take weeks or months, and then they hit you up that a family member of theirs. Corps or something else has to happen. Hey, I'd love to fly to the United States and meet you, but I just don't have the money. And then ultimately you offer to help a bit and send them a few grand so they can come to the us and you guys can meet. [00:09:50] And won't it be wonderful or yeah, you wire them the $20,000 for the operation. For their relative, which of course, none of which is really happening. None of it's true. Now this is called Shajuan or pig butcher, and it has been a very big deal in China because they string the victim along for weeks, for months before the swindle actually takes place. [00:10:19] So the idea behind the. Pig B train is that you, the pig are being fated for slaughter. Isn't that just something. So most of the time it ends with people depositing money into gold trading, four X, right? Uh, fake cryptocurrency platforms, kinda like the one I was reading earlier with the cryptocurrency stuff and the common enough in and around China that there's Chinese language YouTubers who stock in trade is identifying and publicizing. [00:10:58] The scam. So be very, very careful about this stuff. Look at the newsletter I sent out on Tuesday morning, this week, follow up a little bit, read this article from subs stack and be smart about responding or better yet not responding to these scams. [00:11:16] It's hard enough to get a job nowadays, even with all of the supposedly open jobs and there's reasons for that, we should discuss it at some point. But right now the FBI is saying that bad guys are using deep fakes to apply for jobs. [00:11:33] Hey, and thanks for all of your notes guys. FBI. This is quite the little article, this particular one's on Gizmoto again, it was in my insider show notes that you should have received Tuesday morning. [00:11:47] This is a free service of the Craig Peterson show, and it does keep you up to date. It's all the show notes I send off to the radio stations and I use for my radio show on the weekend and you can get them right there@craigpeterson.com. Just sign. There, and I'll be glad to send them to you. What's happening here is I think very clever. [00:12:14] Now I've used deep fakes before you've heard me play them here on the radio where I have somebody's voice. And I, I use it in order to, uh, you know, either myself as my voice or it's somebody else. Here's an example. Just so you know, this isn't really me. This is a deep fake that I generated using a special software program. [00:12:38] So I didn't spend any time editing that, you know, I could fix the tempo, obviously that deep, fake speaks more quickly than I typically do. I used to speak pretty fast like that, but I've slowed down and it is easy to do that. Just took me less than a minute to put. All together that that's how bad it's gotten or, or good it's gotten here. [00:13:02] Here's another one you've reached the voicemail for Craig Peterson. He's on the road or out of the office right now. So please leave a message and I'll be sure to pass it along. Now that's actually my voicemail. If, if I don't answer the phone or I can't answer the phone and that's not a real person that that's even better than the deep fake of my voice, which I, you know, I had to feed it some audio in order to train it. [00:13:27] And I had done that a long time ago, but that's just a stock voice that is not a real person. And I can have her say whatever I want. And there are sites out there that'll have, uh, a hundred or more of these. Deep fake voices that you can use. Male voices, female voices, et cetera. So what the FBI is warning about right now is that people are applying for it, positions that are bad guys. [00:13:58] Real bad guys, like North Korea type bad guys. So the, in in fact I saw an article that said, uh, good luck hiring that new it guy. It might just be somebody from North Korea. So you're used to asking them questions, right? What's your worst quality. Tell me about a problem that you resolved at. Or probably you had with a, a coworker and you know, it's a little bit of a problem here because if you are talking to somebody on nowadays, a lot of people use zoom. [00:14:31] I try not to. I use WebEx, we have a secure version of WebEx. Uh, we could go into this. I, I talked about it before, how zoom was being routed through China. But I, if the perspective higher kind of sneezes or coughs and doesn't move their lips, or they are not responding the way you'd think they should be responding, it could really be that they're actually not. [00:14:58] Real. And we've seen stuff like this before. Have you ever seen the movie Simone and it's a simulated woman who was an actress? I, I think we're heading towards that by the way where ultimately the actors and actresses on movies that we watch are just pretty generic. People who are using a face that is owned and copyright copyrighted by the movie studio. [00:15:25] I, I don't have any doubt about that. That'll be coming at sometime fairly soon right now, but the FBI put up on its internet crime complaint complaint center, just this last week that it's received complaints of people using stolen information and deep faked video and voice to apply for remote. Tech jobs. [00:15:49] Now that's a pretty big thing to have to say, uh, when you get right down to it here, according to the FBI's announcement, and this is from an article in gizmo. More companies have been reporting people, applying to jobs, using video images or recordings. The are manipulated to look and sound like somebody else. [00:16:11] These fakers are also using personal identifiable information from other people. In other words, stolen identities to apply for jobs at, in it programming database and software firms. Now many of these companies have access to sensitive information, things like customer data that can be used so they can steal your customers some of your intellectual property. [00:16:41] it goes on and on. Just think about what they could steal from you. Of course, even cash, frankly. So I it's really not clear how many of these fake attempts at getting a job were successful versus how many were caught and reported. You never really know. Um, But, you know, how far did they get that? They start taking paychecks, et cetera. [00:17:04] It's uh, it's a fascinating problem. So what do you do? Uh, the FBIs among several federal agencies. That's warning now of. People working for north Korean government who are applying for these remote positions. So be very, very careful about that. And it's not as easy to detect a fake videos as you might think. [00:17:28] And that's particularly true if you're not looking for it. Artificial intelligence that is designed. To detect fake video. These deep fakes has accuracy from 30 to 97%. They have set up AI that compete with each other. One makes deep fakes. The other one tries to determine if it's a deep, fake or not, and they get better and better and better both sides over time. [00:17:56] But there's ways that you can detect the fake video. And there are some visual glitches that you can keep an eye out for, like shadows that don't behave like. They should skin texture. That doesn't seem right the hair. Right. You might have noticed that in movies before, it's a kind of a, a, a glitch, if you will. [00:18:18] Uh, water is a big one, but you're not gonna see that in a, an interview for someone looking for a job, but just like any other. Crime. If you see something like this online, if you are scammed and I'm helping a, a young lady, actually, a couple of different people right now that I think of it. Uh, who are I in the process right now of trying to recovers? [00:18:44] Monies that were stolen from them. And one of them is actual cash that was stolen. The other one was cryptocurrency that was stolen. And the first thing you should do is go online, which is IC three.gov IC. three.gov. And this is the internet crime complete complete center. And you can file right there. If you think you've been a victim of an internet crime, you can also file on behalf of someone else you think has being a victim. [00:19:19] And it has a lot of information that's asking from you. It has a whole form online they're they. The name of the victim address, telephone number, email, of course, financial transaction information, et cetera. The reality of it is they are very unlikely to do much about your individual case. If it's over a hundred thousand dollars involved, then they'll probably pay a little bit of attention to it. [00:19:48] What they'll do is try and see if there's other people that have. Conor had stuff stolen from them in much the same way so that they then use that in order to put together a bit of a bigger case. But there are so many, so many of these things out there. Uh, but anyways, that's the way you want to go. Is I see three.gov. [00:20:16] Keep that in mind because, uh, right now half of us are likely to become victims this year. That's how bad it's gotten. Make sure you get my weekly newsletter. My insider show notes. The free newsletter has so much great information to help you out. Craig peterson.com. And if you have a question or there's something you'd like me to talk about on the show, email me. [00:20:42] me@craigpeterson.com. [00:20:44] I'm sure you know about Tesla and their automated systems for driving assist. Right? Well, cruise Chevy cruises are out there on the roads in San Francisco. And have we got a story for you? [00:21:00] If you have any questions, drop me an email. me@craigpeterson.com. We have in some states seen a lot of active autonomous vehicles. [00:21:14] I'm sure you heard about the accident that happened out in New Mexico and a lady with a bicycle was hit and killed a. By one of these autonomous vehicles that are being tested. Yes, they are out on the road and it is really in limited cities and states. No question about that one, as they try and figure out how can they make these things be reliable? [00:21:39] Cause that's ultimately what we want here. When I'm in my eighties, I would love to have an autonomous vehicle to show for me around heck I'd love it when I'm in my twenties. Right. Uh, it just makes a whole lot. Sense, but that technology is not here yet. It's kinda like all of these government programs that are trying to make our electric vehicles, et cetera, be the wave of the future, which is true. [00:22:05] They probably will be, but we're talking, uh, I'm really not in my lifetime. If not in any of our lifetimes, this will take decades to get this all done. We gotta build a whole new grid. We've gotta make sure we have reliable sources of electricity. And that might mean we need new battery technology. What some companies have been doing is for instance, out in Las Vegas. [00:22:30] It's cheaper to get electricity at night, which makes sense because you and I are asleep and businesses for the most part, industrial and otherwise are, are shut down. So here we are at nighttime having a good nap. So what do some of the, uh, casinos other places in Vegas, or are there hot areas around the country? [00:22:50] Do well, some of them have installed a massive. Pool of water with chillers in it. So at nighttime, they go ahead and freeze all of that water. And then in the daytime, they use that ice in order to cool the air. So they're saving money. It's it's one way of storing energy. Another way that we've seen around the world is they use a. [00:23:18] Now, you know about that, you know, you've got the water pressure and it drives a turbine that then drives a generator, an alternator, and then that produces electricity. Well at nighttime, they run them in reverse. What they're doing is they take water and they pump it up into the reservoir when the electricity is cheap or the demand isn't as high. [00:23:43] And then during the daytime, when the demand goes up, they reverse that process. And the water now behind the dam just goes through the normal method of creating electricity behind a dam. So that's another way to store. Electricity or to store power. Neither one of those ways is particularly efficient, but it is efficient enough that it's cheaper than having to buy a peak demand, electricity. [00:24:13] So we could talk about this for a long, long time, but we're talking right now about this cruise system failure. There were, what was it like four or five cars? I'm looking at an, a, uh, article that was in my weekly insider show notes on Tuesday morning. that you can get for free@craigpeterson.com. Just sign up right there. [00:24:39] And this one is from the last driver license holder. Dot com kind of a cool name for somebody that follows these autonomous vehicles and these vehicles are all quite amazing cuz they're using the right technology, frankly. I'm not convinced that Elon Musk and Tesla are using the right technology. They are from a cost standpoint, right? [00:25:04] It's way cheaper to have some cameras and have a couple of high speed computers on board. But it is not as effective as what's happening here, where they're using LIDAR, which is a laser radar, as well as in some cases using radar, they all have cameras on them. You should see the setup on the top of these cars. [00:25:26] It it's probably 50 grand plus worth of sensors. On the car. So you're more than doubling the, the value, the cost of the car. So crews had a system failure and it is a problem. Now we've been saying Chevy Cruz. I'm looking at it right now. I don't know that it's the same guys. I'm thinking this is not Chevy. [00:25:51] This is a different company. Okay. Sorry about that. But, uh, there's, there's two vehicles in this family. There's the poppy. And, and, uh, there is another one out there. I'm trying to remember what they called this thing. Uh, let me see if I can find out on the website anyways. A couple of cute names. Oh yeah. [00:26:11] Poppy and the toda. And they've got others that are ready to roll that are ready to be out there on the streets. okay. There's another one called burrito. So they're out on the streets. They are driving themselves in the they're cabs. There's in fact, uh, lots of them on the streets in San Francisco and a dozen of them just over a dozen robot. [00:26:36] Cabs that blocked an intersection in San Francisco for two hours before cruise employees were then able to arrive and drive them away manually or remotely in some cases. Uh, so Cruz gave this rather vague information or press release. They said we had an issue earlier this week that caused some of our vehicles to cluster together while it was resolved and, and no passengers were impacted. [00:27:06] We apologize to anyone who is inconvenience to anybody, trying to get through the intersection. However, in further reports, it's clear, this is not the first time it's happened, nor is this type of behavior by vehicles. Something that's completely unknown. We saw one a couple of weeks ago or a couple of months now actually. [00:27:28] That I, uh, talked about on the radio, where there was one of these autonomous vehicles, the police were trying to pull it over. It finally decided to pull over in an area, uh, right at the side of the road and the police car, I guess the car was expecting the police car to just pass it. Right. It was trying to get somewhere it wasn't trying to pull me over. [00:27:51] And so they, it stopped. The police officer did not pass the car. It got right behind it and got, he got out of the car and walked up and looked in. There's no driver. And then all of a sudden the car took off on him again. And then the car was apparently looking for a safe spot by the side of the road. So it drove up the road a little bit. [00:28:14] To where there was a, a, a nice kind of pull off area and it pulled over and stopped. Now the same type of thing happened here that on the display were the following sentences on. So you looked in the window, these people were looking in the window of these cabs that were pull, blocking this intersection over a dozen of them in San Francisco, and just said, pulling over to a safe stop. [00:28:40] And then it also said something happened on your trip. A support specialist will explain what to do next. And of course it just didn't show up. There's also a telephone number for emergency responders to call in order to help rectify the situation and the number then also states the self-driving mode has been switched off and I'm, I'm looking at it right now. [00:29:03] It's got kind of a. Grid and these messages on it, first responders should contact crews at, and it gives a toll free phone number. And it says a crew support specialist is on the way to help in person. And as it turns out they were, but it took a couple hours for them to show up. And it says we parked the car while the issue is resolved. [00:29:24] So in other words, the cars got kind of confused, trying to figure out what to do. They were at a, an intersection and I don't know if they lost connection to the internet or what, but having a dozen of them failed at the same time makes me think that it was something outside of the cars that made this, uh, happen, frankly. [00:29:43] So expect this to happen more and more. I'm glad it's happening in San Francisco and not in my hometown, frankly, but there've been cases where the primary and backup services have been down. So there's no way to communicate with the vehicles, get any information. It. Specifically and directly violates the terms granted by the DMV. [00:30:07] Interesting stuff stick around will be right back a lot more to talk about here, about health insurers and a new law. [00:30:19] The internet promised us a whole bunch of transparency information access. While as of July 1st health insurers and self-insured employers are now required to do something that should have been around a while. [00:30:36] This is a moment that is going to be remembered by a lot of people, particularly in the medical healthcare business. [00:30:45] I've been just shocked sometimes at how much. We get charged for some things. I'm also just amazed at what great medical care we have here. My family, most of them live in Canada and I have horror stories from pretty much every member of my family in Canada, about how terrible socialized medicine in Canada is. [00:31:13] I mean, Terrible. Now you might know that I was a volunteer EMT. I D P uh, you know, basically a paramedic for about 10 years in my hometown. And we took care of a lot of people. I was, as I said, volunteer, it wasn't a call department. We didn't get paid a dime. We had to provide our own equipment and transportation, everything else. [00:31:37] Right. So true volunteers. And I got to see some interesting sides of medical care here in the us. And as I kind of an exchange program, got to see some of it in Canada, as well as talking with people and the, the horror stories I can tell you about my family is just incredible. My, my brother was using a table saw and the wood kicked back and ripped off one of his fingers. [00:32:09] This is in Toronto Brampton to be exact, just one of Toronto's many suburbs. And so here comes the ambulance and he sat in the back of the ambulance. They were driving from hospital to hospital. They couldn't even reach the hospitals beforehand to find out who might take him. And he was holding his severed finger in his hand for three hours, driving around in the back of the hospital before they could find somebody to re a hospital to reattach his finger or do something right. [00:32:44] He actually says he wishes they hadn't reattached him. You, you wouldn't believe what they did to him and, and his finger. Uh, my father had a heart attack. Right there, Toronto, right? The biggest city in the country. And, uh, he has a heart attack and he's driving around for hours in the back of an ambulance before anybody will bother to have a look at someone who is in the midst of a heart attack. [00:33:11] Now we're, we're lucky he didn't die. My grandmother, they would not give her medication for her atrial fibrillation. My grandfather. They had called and told his doctor, my mother did this when she was visiting him, that his foot was, uh, looking really bad and she was worried it would get gang ness. So they set up, uh, an appointment six months out. [00:33:36] She said, no, no, no, no, no. No, it it's go it's gang us. Uh, you know, pretty soon here we gotta do something. So since it was an emergency, they, you know, they set it up for six weeks out and he ended up having to have his whole foot amputated. Um, so don't ask me about socialized medicine, unless you want to hear even more. [00:33:54] Horror stories it's really, really bad. And just like, uh, schools, public schools in most states costing somewhere around $12,000 a year per student, and yet private education costs a fraction of that, like less than half in almost every case. Uh, You know, which is, which would you rather do send your kid to a private school that, uh, you know, education's probably better. [00:34:22] I don't know. It's cheaper, so it's probably not as good as public school education. He said with his tongue firmly planted in his cheek, or do you wanna send him to the public schools? Anytime you get government involved or any big organization efficiencies start dropping, but particularly with government cuz they don't have competition and they will point guns at you. [00:34:47] If you don't do what you're told ultimately right. As you get arrested. So, uh, what's happening here I think is a plus a very, very big plus I am a member of a health share. And so what we do is instead of having health insurance, we help each other pay our medical bills. So one of the things we're supposed to do when we go in there is ask for a self pay discount. [00:35:16] So, this is a kind of an interesting thing, because what I have found is that the self paid discount shaves off. Typically at least 50% of the cost. If you look at what Medicare will reimburse hospitals, For, or doctor's offices again, it's a fractious way, less than half of what they want to bill you for. [00:35:40] So they, the hospitals in other places will take people who don't have insurance and you can charge, uh, it'll charge you a whole lot less. It's kind of the bottom line here. So what does that mean to you and me, if you can tell in advance. What the costs might be. And I'm looking@thisarticleherefromkchan.org. [00:36:08] And they're talking about one of these people who needed to have some, uh, medical care here in x-ray. And you saying that you can see that you can do it for 250 at the hospital, but if you go to the imaging center down the road, it's 75 bucks. or a specialist might be able to do it in their office for 25 bucks. [00:36:32] What a difference, say a 10th of the cost and that is not abnormal. So what this law is now requiring. As of July 1st is that health insurers and self-insured employers must post on websites pretty much any price they've negotiated with providers for healthcare services item. By item. But the only things that are excluded from these price lists are prescription drugs, except for those that are administered in the hospitals or doctors' offices. [00:37:09] So this is now federally required data release, and I think it is going to affect future prices because even if you have health, Insurance looking at these numbers is going to ultimately save you money because your monthly health insurance premium could be less. If the health insurance company isn't having to pay as much for all of this stuff, right. [00:37:32] You, you see how that works. So it's to everyone's advantage. And when you start doing the math. you're talking about trillions of records that are gonna be published. Every physician in network, every hospital, every surgery center, every nursing facility, and every last charge that they have, this is gonna take a little bit of time. [00:37:57] Isn't it? And the federal government is going to be imposing penalties for non-compliance. And they are going to be Heier than penalties that many hospitals are facing. If you are a small provider, uh, basically insurers self-insured employers could be fined as much as a hundred dollars a day for each violation. [00:38:23] So let's say you have hundreds of procedures that you could potentially do a hundred dollars a day for each one of those procedures that's not listed or properly priced. Yeah, this could be millions of dollars, very fast for individual organizations, you know, per usual, right. Government is, is just power and they don't consider everything. [00:38:46] They well, we had a hearing on, well, really you think everybody can attend a hearing that might be affected by this it's it's anyways, I'm not gonna get into that anymore. Right? It's not one of those days. Um, but these databases are gonna be enormous. Most people are gonna find it very hard to use the data in ways that are really going to help them or affect them. [00:39:09] At least at first here, ultimately I think it's going to be something that we can use certainly is gonna be something that these, uh, PPOs and HMOs are going to be using to figure out where you should go in order to get. Something done or to buy something. And the biggest value of this July data release may well be to shed light on how the different insurers are able to negotiate prices with their providers. [00:39:46] No. That's interesting. This article on K hn.org is saying that a recent study by the Rand corporation shows that employers that offer job based insurance plans paid on average. I hope you're sitting down here. Okay. This is employers. What do they pay? 224% more than Medicare for the same services. [00:40:10] Fascinating. Isn't it. Tens of thousands of employers who buy insurance coverage for their workers will get this more complete pricing picture, which I think is really good. There's a whole lot of information here. If you want to find out more about it, just look at this, week's a newsletter, the insider actually show notes. [00:40:29] I've got a link to this article. There is a lot of detail here. If you are a medical provider of any sort, if you work in a doctor's office, you are going to want to make sure you peruse this. I know most people I've spoken to in the medical business just aren't even aware of this yet. Although I think a lot of the hospital to the bigger organizations are aware of it, but. [00:40:53] This is, uh, this is gonna be interesting. Uh, the people ultimately you make your medical choices based on money, or maybe it's based on who the doctor is and the bedside manner, and maybe the manner of their staffs. There's a lot of reasons other than price that people choose different medical providers. [00:41:17] And, uh, and this is going be interesting. So check it out again as in my newsletter this week, uh, K hn.org. Great little thing. Uh, there's also a problem right now with attacks on routers. This is really bad. It's called zero rat. It's a remote access Trojan and it's probably a sophisticated nation state, and it's very, very bad. [00:41:47] It, it is affecting these routers, these cheaper ones, net gear, SES. There's. Cheaper, Cisco ones, uh, day tech, many others, but what they do is they take over that router, the edge of your network, and then the malware takes full control of connected devices or running windows, Mac OS. And Linux, according to researchers, just within the last couple of weeks, high level of sophistication. [00:42:18] Hey, make sure you get that insider show notes that I mentioned here a few times today, Craig peterson.org or com, I should say Craig peterson.com. And also if you have any questions, just email me, me, Craig peterson.com. And I will try and get back with you. Take care. [00:42:39] You're worried about surveillance. Hey, I'm worried about surveillance and it turns out that there's a secretive company out there that to prove their mustard hacked the NSA yeah. Fun thing. [00:42:56] This is a company that is kind of scary. We've talked before about a couple of these scary guys. [00:43:03] There's this Israeli company called NSO group. And this is ANSO group is absolutely incredible. What they've been doing, who they'll sell to these. Guys are a company that sells cell phones, smart phone exploits to its customers, and they alleged to have sold their software to a variety of human rights abusers. [00:43:34] We're talking about NSO group coming up with what we would term kind of a zero day hack against iPhones against Android phones against pretty much anything out there. So in other words, a hack that no one's ever seen before, and then use that in order to get into the phone and find information. They've used things like the, I think it was WhatsApp and video that was sent and use that. [00:44:03] To hack Saudi Arabian phones. You might remember Khashoggi this, uh, so-called journalist, I guess he kind of was who apparently was murdered by them. Right. Big, big problem. So this Israeli group. Yeah. Yeah. They sell to anybody that's willing to pay. At least that's what the allegations are. I've never tried to buy their stuff, but yeah, they're assisting government with hacks with. [00:44:32] Ultimate in surveillance. Another one clear view. We've talked about them on the show before this is a company that has done all kinds of illegal stuff. Now, some of it's, uh, technically not illegal. They're against the terms of usage, what clear view has done. And now they've gotten involved in this Russian Ukrainian. [00:44:56] War that's been going on here. They've gotten involved with a number of legal cases in the us. What they did is they said, okay, well, great. Let's do something. Well, you remember Facebook, right guys. You've heard of that before. And how Facebook got started muck Zuckerberg. muck, uh, went ahead and stole the pictures of the women that were in Harvard's catalog. [00:45:26] Right now when I say catalog, okay, this isn't like a catalog of women, you know, order one male order type thing. We're talking about their index, their contacts, right. There is a catalog of all of the students that are there in the school. So Zuckerberg goes and grabs those against policy. Okay. Maybe it wasn't strictly against policy at the time. [00:45:48] And then he puts up something. Called the Facebook where people can look at a picture of a girl and decide whether or not she should get a five or a 10 or a one. Right? Yeah. That sort of stuff, abusing people that that really is abuse. I, I can't imagine. The way people felt had seen their ratings by people that didn't know them, that somehow their Def definition of beauty really defined who they are. [00:46:18] It's it's crazy what the stuff he did. Right. So he started his business by stealing stuff. Microsoft started his business by what. Well, by going ahead and misrepresenting, some would say lying to IBM about what he had as far as an operating system goes right. A again and again, and again, we're seeing dishonest people getting involved, doing dishonest things to get their companies off of the ground. [00:46:44] And I have a friend who's an attorney who says, and Craig, that's why you will never be wealthy because you just wouldn't do any of that. So clear view is another example of these types of companies. In this case, clear view, went to Facebook and crawled any page. It could get its little grubby crawlers on. [00:47:07] So it found your public fab, Facebook page. It went all. Over the internet. There's a number of websites. Some are outta business now, but that you upload your pictures too. You people can rate them, can share them. You can share them. Hey, you got your own photo gallery here that you can share with friends and a million other people, right. [00:47:29] That that's what ended up happening. That's how those guys made the money. Right? They're selling you on, Hey, you can look at how convenient this. And you can have your own little, uh, photo gather gallery and you can take that full photo gallery and, uh, share it with your friends. And then if you read the fine print, it's Hey, and we'll make money off of showing your pictures and showing ads. [00:47:51] Well, Clear view went and scanned every website. It could get its grubby little scanners on crawled through the mall, downloaded pictures of any face that it could find. And then went ahead and digitized information about people's face. So it spent years scraping and then it put together its technology, facial recognition technology, and went to the next level, which is, Hey police department, get my app so you can get the clear view app. [00:48:31] And you encounter someone, you can take a picture of them and upload it, which now gives them another face. Doesn't it. And then once it's uploaded, it'll compare it and it'll say, okay, found the guy here he is. So with the Russia Ukrainian war, what they were doing is taking pictures of, of dead and injured, Russian soldiers, running them through this database online of all of these faces found out who they were and went so far as to use other. [00:49:04] Stolen data online. Now this is war, right? The whole thing is crazy, but the stolen database online found out who their mothers were, the phone numbers for the mothers and have people all over the world. Sending text messages to mom about their dad's son. . Yeah. Okay. So Clearview sells it to police departments. [00:49:29] They sell it to, um, pretty much the highest bidder they say, Hey, listen, we don't do that. Come on right now. There's other data brokers. And I've had a few on my show in the past who are using harvested information from phone apps to provide location data. To law enforcement so that they can then circumvent. [00:49:54] What, what, well, you have a right to privacy. Don't you it's codified right in the bill of rights, those first 10 amendments to the us constitution. And it was also. Uh, defined by the Supreme court's carpenter decision. So we have protections in the constitution, natural rights that were confirmed by the Supreme court that say, Hey, the federal government, you cannot track all of the citizens. [00:50:26] You can't track what they're doing. You can't harvest their information. And yet at the same time, They go to the data brokers that have put together all of these face pictures, figured out who your friends are, you know, you know, you sign up for Facebook and it says, Hey, you want me to find your friends? [00:50:45] See if they're already on Facebook, just, just hit. Yes. Here, not blow your contact list. So up goes. Facebook says, oh, look at all your friends. We found isn't this exciting. And in the meantime, in the background, Facebook is looking at all of this data and saying, ha, we now know who your friends are. And so many people have wondered, well, wait a minute. [00:51:07] I didn't talk about, um, I, I didn't do a search for product X online, and yet I'm getting ads for product X. Well, did you mention it to a friend who might have done a search for it? Because these search engines, these companies like Facebook know who your friends are, what they're interested in, and they'll sell ads to people who are going to promote to you the same items they're promoting to your friends. [00:51:33] Right? It it's absolutely crazy. So this company. It's called a six and they're very, very quiet, very low key. The website doesn't say anything at all, but they took their software. That's pulling all of this data together and compiling it and. And a six pointed all of this technology towards the national security agency and the C I a and Jews, their own cell phones against them. [00:52:08] Now, why did they do this? They didn't do it to prove something about how, you know, you shouldn't allow this sort of thing to happen and they didn't do it to prove that man, we gotta have tighter controls because look at what we can do if we can do what other people can do it. No, no, no, no. According to audio, visual presentations and recordings of an Asics presentation reviewed by the intercept and tech inquiry. [00:52:37] Asics claimed that it can track roughly 3 billion devices in real time. That's equivalent to a fifth of the world population. You're not gonna find anything out about a six it's called anomaly six. Good luck online. If you find it, let me know me@craigpeterson.com. I'd love to know more about these guys. [00:53:00] The only thing on a website for them is email address and a six anomaly six in that presentation showed the nation spooks. Exactly what a six knew about. All right. Uh, apparently a six is also ignoring questions from journalists and will only respond to emails from people in upper levels of federal agencies, which means, and maybe this is a supposition from our friends over at tech dirt. [00:53:36] I don't know. But there, what that means is they're looking to sell your information in real time. To the feds to get around the carpenter decision and the constitution just absolutely amazing. Hey, go online right now. Craig peterson.com. I'll send you my special report on passwords and my two other most popular Craig peterson.com. [00:54:03] Stick around. [00:54:07] Have you ever wondered about search engines? Which ones should you be using? You're not alone. It's probably the number one question I get from people. What should I use? Well, Google is falling behind, but we're gonna talk about the top engines and the whys. [00:54:25] Google has been an amazing company moving up. Of course, you know, we were just talking about the cheats. [00:54:33] So many companies have taken over the years and Google has certainly had its share of cheats. I haven't seen anything about them just doing completely underhanded things to get started. I think. They were pretty straightforward. They had a great idea back in the beginning, where they were just looking at links, how many sites linked into this one particular site? [00:54:59] And that gave this concept of a page rank. Very simple, very easy to do, of course of problems with that. Because you would end up with pages that are older, having more links to them, et cetera. And they have over the years really improved themselves, but we also have some other problems right now with Google. [00:55:24] If you do searches on Google for a number of different top. Uh, and you'll, you'll see that really Google search quality has deteriorated in recent years. We've talked before here about some of the problems with Google and elections and how they have obviously gone out of their way to influence elections. [00:55:47] There a study down in done in orange county, California, or at least about orange county, California, and an election down there showed that Google had a major influence on that election and also tilted it a certain way on purpose. Absolutely amazing. So that's one way Google has kind of fallen behind, but you can. [00:56:10] at all kinds of searches and hope you're gonna get a great response. And you don't have you noticed that it's gotten worse and then on top of it, you're starting to see more ads squeezed in it is not great. Uh, I have used it. A course for programming. In years past, before that I liked altar Vista, which was a digital equipment corporation product altar Vista was pretty darn good. [00:56:38] And you could use boo and logic with it. Google says, well, you can use bullying with us, but it it's not the same. It's Google's is very, very simple. But at any rate they have not made any. Leaps here going forward. It it's been absolutely amazing. So let's go through the search engines. I'm gonna give you right now, the pros and cons to some of these search engines out there. [00:57:04] So we started with Google. It is the 800 pound gorilla. And in case you didn't know this number two overall search engine is YouTube. Okay. But let let's stick with straight searches, not video searches. So what is great about Google? Well, one of the big things is they like fresh content. So if you're looking to do search engine optimization for your business, you are best off having some Keystone pages. [00:57:37] So having these pages that are. Kept up to date. So you might have a page on whatever it might be hacking VPNs, right? Uh, and you make sure you update it. Cuz Google does favor the fresh content. They rank blogs and. Services, which is really nice and they're accessible in any device. They have apps. They work well on a browser and I'm I'm right now, I'm looking@anarticlebylifewire.com on the best search engine. [00:58:08] So you'll see some of this information there. What. They don't like about it is the same thing you don't. Right? Which is, it collects all kinds of data on you. They also have hidden content that, that, uh, might damage your ranking as a business or someone who has a website and the search deliver. Too many results, you know, you see millions of results. [00:58:37] Well, yeah, there probably are millions of results for a single search, but what I want are the really relevant ones and Google learns over time. What kind of results that you want, which is kudos to them, but they are tone deaf sometimes, frankly as well. Okay. Our number two on our list of top eight. Is duck dot go. [00:59:00] Now I've been talking about them for quite a while, and some people have been kind of disparaging duck dot go lately. And the, the reason is they say, well, those search results maybe are a, a little wrong, right? They are, uh, maybe student little. Cing not as much as Google does, but some, well@firstduckdotgo.com is where you'll find them online named after that kid's game. [00:59:30] Is a privacy search engine. So it is not tracking or storing any information about you. That's a very big one. Their searches are very fast, but their backed, the actual backend search engine is Bing. Which is Microsoft. We're gonna get to that in a couple minutes here. That means that if Microsoft is deciding to do some waiting on search results, based on their political views, then that's gonna show up in duck dot go. [01:00:03] But it's nowhere near as bad. And I've talked about it on the show before we've done some examples. So it is also now giving you the option to restrict your searches to the last month worth of results, which is really nice. That keeps a little more up to date. They also aren't graded image searches, no personalized results, and it is free, which is nice. [01:00:27] You might also wanna look at quant Q w a N T. If you're looking. A private or privacy browser quant is a French company, but it, it does English as well. Okay. English results. They like the older and well-established web pages, they rank home pages. They do not rank blogs. They crawl all kinds of hidden content and non hidden, equally, unlike Google, which is really great. [01:00:59] Uh, Bing is not great at forums. As I mentioned blogs, they're not as fast as Google. And they have some seriously heavy search results, screened dog pile they've been around for quite a while. You might want to check them out. They have something called fetches and favorite fetches. So you can have a home screen when you go to dog pile and you'll see right there. [01:01:26] Uh, your favorite searches and they're right there for you. You can just keep going to them. They use multiple databases so they can get broad results, multiple backend search engines, and there's no home screen personalization available with it. And lots of sponsored results, which isn't a real big deal, but you'll find them online@dogpile.com, Google scholar search. [01:01:50] I've used this a number of times. If you are looking for scholarly articles, it is really good. You can get citations and various styles. If you are working on your master's PhD, whatever it. Be, and they're imposing a style in the document that you're writing, so you can put it into the bibliography. And, uh, they, they got a lot of great stuff. [01:02:14] Google scholar you'll find online@scholar.google.com. Web EDIA search. It focuses on technical terms and applications, which is kind of good, friendly to non-tech users. And it is only searching weed's 10,000 word and phrase database. So that's pretty good. To, uh, to understand too Yahoo search, they have a home screen has news trending topics I I've used Yahoo of course is not what it used to be, but it does have everything right there. [01:02:52] Even your horoscope. And the ads are not marked out clearly. And then there's the internet archive search. This is actually a site that I fund. I, I donate money to them every month and you'll find them@archive.org, but it is really, really cool. You can search based on timeframes again, if you are doing papers, if you are a journalist, et C. [01:03:19] You can find what was the internet like? Or what was this webpage? Like? What was it like around hurricane Katrina in 2005, right there. We'll find it online@archive.org. Hey, stick around. We'll be right back. [01:03:37] You already know that hackers are coming after you we've talked about how they are out there, scraping web pages, putting together stuff. Well, I wanna bring up again, the Ukraine, Russian war and Russia leaking data like a S. [01:03:54] Hi, if you've ever wondered who I am. I'm Greg Peterson. We met before. I'm your chief information security officer, well, Russia, Russia, Russia. It, it is of course in the news again, it seems like it's been in the news for how long now, six years, maybe longer in this case, we're gonna talk about what the hackers are doing because they're not just doing it to Russia. [01:04:22] They're doing it. us. And it's a problem. We're gonna explain why you've heard of doxing before do XX. I N G to docs someone, which is basically to find documentation about people and to release it. That that's really a part of it, frankly. So you've seen some political operatives who have gone online and, and docked people. [01:04:50] For instance, uh, one of them is libs of TikTok. You might have heard of that one, and this is where they take all of these crazy things, that crazy people, uh, on TikTok, go ahead and publish and just put excerpts of them together. They don't like cut it up to make them look crazy. No, no, no. They let them be crazy. [01:05:12] All all by themselves and put it online. So some libs decided, Hey, we don't like this. And, uh, a so-called journalist who had been complaining about doxing before that shouldn't be done and it's unethical. It should be illegal. Yeah. What does she do? She goes and docks. The lady that was running libs of TikTok and I, I, it just, it blows my mind here. [01:05:44] How can these people be so two faced? They really are just crazy, crazy two-faced. So she went ahead and did what she said should never be done. And I'm sure she had some form of justification for it and put it out online. So, uh, online comes this lady's home address her name. Kinds of stuff and that's available online right now. [01:06:10] Now you might wanna try and do something that I've done before, which is, if you go to one of these data brokers, you see ads for these things, right? Like a, do a search for yourself with us. And have a look at how accurate that information is. When I looked last time I looked cuz I had a few data brokers on the radio show. [01:06:32] I would say less than a third of the information that they claimed was information about me was actually accurate less than a third, frankly. And I don't think that's a particularly, what's the word I'm looking for, but. unique situation. Let me put it that way. I don't think it's unique at all. I think they get a lot of it wrong because remember, they're trying to piece together this piece together that and put it all together. [01:07:03] So you, you can't a hundred percent rely on any of that stuff. And as I said, for me, it wasn't particularly accurate. Well, now let's move into war. Ukraine has claimed to have docked Russian troops, as well as FSB spies. You remember them from the Soviet union, they still exist. Right. And activists actually have official scheduled meetings and are leaking private information from various Russian organizations and Russian people. [01:07:39] So we're talking about things like their names, birth dates, passport numbers, job titles, and the personal information that they have released about these Russian companies. And people goes on for pages here. It looks like frankly, any data breach, you'll find a great article about this that I'm referring to in wired.com, but this particular data. [01:08:04] Can change personal information on 1600 Russian troops who served in BKA a Ukrainian city, that's been attacked by Russia. And by the way, you've probably seen these things. There were all kinds of, uh, accusations here of multiple potential war crimes. What was going on over there? So this data, set's not the only one. [01:08:29] There's another one that. Allegedly contains the names and contact details of 620 Russian spies who are registered to work at the Moscow office of the F S B. That is Russia's main security agency. Now this information wasn't released by hackers in North Korea or hackers in the us or Russia, because we already know Russian hackers. [01:09:02] Don't attack Russia. They're not stupid. Okay. They don't want Booton coming after them, but this was published by Ukraine's intelligence services. So all of these names, all of these personal details, birthdates passport numbers, job titles, where they're from all kinds of stuff. Uh, freely available online to anyone who cares to look now, Ukrainian officials wrote in a Facebook post that as they published the data that every European should know their names. [01:09:36] So you've got to bet there are a lot of people kind of freaking out over there. Absolutely, absolutely freaking out, uh, in Russia that is. Since the Russians invaded Ukraine, there have been huge amounts of information about Russia itself, the Russian government's activities and companies in Russia. These are all the GARS that are over there and it's all been made public. [01:10:02] So it's very interesting, cuz these are been closed off private institutions in the us. Yeah, we do do some hacking of potential adversaries, but they don't release it. All right. Uh, not at all, but there's really two types of data here. First of all, you've got the information that the Russian authorities are publishing. [01:10:25] Their allies are publishing, and then you've got the activists, these companies, these groups, I should say, like, Anonymous hundreds of gigabytes of files and millions of emails have been made public, including some of the largest companies within Russia. I mean the big guys, oil and gas companies, uh, or lumber companies, et cetera, cetera. [01:10:51] So there's a former British Colonel in the military intelligence. Wired is quoting here, his name's Philip Ingram. And he said, both sides in this conflict are very good at information operations. The Russians are quite blatant about the lies that they'll tell we're used to that aren't we, and much of the Russian disinformation has been debunked, but they. [01:11:19] They have to make sure that what they're putting out is credible and they're not caught telling outright lies in a way that would embarrass them or embarrass their international partners. So it it's really quite interesting. We've started seeing the stuff coming out in March 20, 22, of course. Right. [01:11:39] and it's hard to tell how accurate the data is. It looks probably pretty accurate. It has been scooped up. As I mentioned on the show before. uh, some activists, one of whom has put together an app that anyone can download and allows you to send text to this mothers of Russian soldiers, some alive, some dead, and it automatically translated into Russian. [01:12:08] I, I assume it's kind of a crude translation, but whatever. Right. So you can. Harass some poor, uh, babushka over there in Russia, whose grandson is out there fighting. This is just incredible. We've never seen anything like any of this before, but doxing very toxic online behavior. And when it comes to war, the gloves are off. [01:12:34] Right. And by the way, these groups that I mentioned, these hacktivists have official meetings, Tuesday mornings on telegram, and they talk about who the next target is. Absolutely amazing. Make sure you visit me online. Craig, Peter son.com. And don't go anywhere because we've got more coming up here about organizations in general, here in the us breaches are up stolen. [01:13:03] Data are. And the number of bankruptcies are up because of it. [01:13:10] Hacks are up now, you know that we've, we've known that for a while, but did you know that that is not necessarily the number one reason businesses are suffering breaches? So we're gonna talk about that right now. What else you have. [01:13:26] We've talked before about some of the websites that I keep an eye on. [01:13:31] One of them is called dark reading and they've got a lot of good stuff. Some of this stuff I don't really agree with, but you know, who agrees with everybody or another person? Just one, even a hundred percent of the time. Like no one. Okay. So in this case, we're talking. Organization suffering a breach. And the stat that they're quoting here is that more than 66, 0% of organizations have suffered a breach in the last 12 months. [01:14:04] That's huge. And the breaches have gotten more expensive. Global average breach cost is $2.4 million. And if you are unprepared to respond to a compromise, that price tag increases to 3 million. Yeah. That's how bad it is. That's what's going on out there right now. But the point that really they're trying to make here at dark reading in this article, by Robert Lemo. [01:14:36] Is that our organizations are focused to narrowly on external attackers when it's insiders third parties and stolen assets that cause many breaches. That's what this new study is showing from Forester research. Now I've had them on the show a few times in the past, you might be familiar with them. They are a research company. [01:15:02] That charges a lot for very little information, but you know, they've, they've got the research to back it up, right. They're, they're really one of the leading, if not the leading research company out there. So last month they came out. with the 20, 21 state of enterprise breaches report. And they found that the number of breaches and the cost of breaches varied widely, depending on where the organization is based. [01:15:33] And. The big one that you have control over is whether they were prepared to respond to breaches. Now, companies in north America had the largest disparity between the haves and have nots. Listen to these numbers. They're bad for businesses. These numbers and're worse for individuals. The average organization required 38 days. [01:16:00] 38 days over a month on average to find eradicate and recover from a breach, but companies that were not prepared for security challenges took 62 days. Now the good news here is that this is down. It used to take nine months on average, and now we're down to two months, but here's the big question for you. [01:16:30] Can you, or can a company survive 62 days or is it gonna be out of business? Right? Do you have enough money to make payroll for the next two months? That's where the problem. Really starts to come in. That's why small businesses that are hacked small businesses that are using things like Norton or some of the other real basic software without having a, a good firewall and, and good security practices. [01:17:02] Uh, and same thing with individuals here. Uh, you are going to be out of business odds. Right. That's what they're showing right now. And your insurance policy that you have for cybersecurity insurance will not pay out. I did a presentation for an insurance industry group. Uh, this was in Massachusetts and it was a statewide group. [01:17:29] And we talked about how. Are not paying out the companies. Aren't right. And why, and if, if you are not prepared, if you are not doing the right things and I can send you a list of what you need to be doing, if you'd like, just email me@craigpeterson.com. Be glad to send it to you. Me, me at Craig Peterson, P E T E R O n.com. [01:17:54] and just ask for it and I'll, I'll respond to you or we'll get Mary or someone else to forward it to you because I've already got it. Okay. This

Conversamos con Koldo Pla - miembro de Txinparta, una de las asociaciones que ha trabajado por la memoria histórica de Navarra. Sobre este aniversario que tendrá lugar el 22 de mayo. En el año 1988 se hizo el primer recuerdo a los presos del fuerte, un acto sencillo que se leían unos poemas, los dantzaris bailaban en la carretera que era el único sitio llano que había por aquel entonces. En el año 2000 se creó en Ansoáin una sociedad cultural y de ahí salió Txinparta. Se empezó a mover con presentaciones de libros, realizar investigación sobre el fuerte y lo que hay paso. Los presos del fuerte eran de toda España, a través de la asociación se empezó a ir contactando con los familiares de ellos para recopilar la máxima información de los que por allí pasaron y fueron asesinados en la fuga. Que se sepa solo 3 llegaron con vida a Francia… Os recomendamos que escuchéis esta entrevista por la importancia histórica de los hechos que se detallan en ella. La entrevista fue realizada por nuestro colaborador Javier de Miguel, profesor de historia. Prohibida la extracción total o parcial de los audios y videos de Radio Rebelde Republicana en cualquier otro medio privado o público, sin nuestra autorización expresa por escrito.

El doctor, José Gurrea, de Clínica Ansoáin, habla sobre la objeción de conciencia y la nueva ley del aborto.

Danish designer and knifemaker Jens Anso joins us to share his knife making journey and some insight into how he developed his unique style and approach to design.  Jens background is both similar and different than many of our previous guests and as you'll hear in the conversation, that leads each of us to a different place.  A fascinating and fun discussion that we think you'll enjoy.  Find us at our Patreon and follow us on Instagram @markofthemaker or join our discussion group on Facebook for more conversation.

Janosh. Pasakos „Ansas Galinčius“ ir „Anso Katriukė“. Skaito aktorius Vytautas Rumšas.

In this episode of the High Ticket Online Course Podcast, our guest is Kevin Anson. He is an entrepreneur from San Diego, California. He was laid off from his corporate job at 30 and started his own successful video marketing agency. He is a video marketing expert who helps companies profit wildly through organic and paid video and has helped his clients generate tens of millions of dollars using his unique video formulas. Today, he shares some tips on how you can work with the people you want to work with and his secrets to creating a profitable online course. The Video Producer [1:22] Kevin has been producing videos since about 2004 and has produced over 10,000 videos. He had the unique opportunity to get hired by Russell Brunson. They developed a relationship where Kevin was making videos for him and their company. [2:17] He had the opportunity to work with Grant Cardone, Brendon Burchard, Frank Kern, Dean Graziosi and Tony Robbins, and many others. How to Land Rockstar Gigs [3:32] Kevin's advice is that if you are trying to get clients or work with certain people in the industry, offer yourself free. Kevin has done that countless times where he would approach somebody he wanted to work with and offer himself either a discount or for free. [4:54] Kevin's point is to let him prove himself first because he wants his clients to like him and his words. People couldn't say no to that so that what he did. It didn't matter how much he charged at that point. [5:26] If you are trying to get clients, just starting out, or if you've been doing this for a while, then approach people and have more of a giving heart than somebody who's looking to put your hand out and get money. The Secret to Creating a Profitable Online Course [6:54] It took Kevin a while to come out with a successful course, but it's all about diligence. Not giving up is the biggest advice that Kevin has to say. If you launch your course, and it doesn't work, it doesn't mean that's your only chance. You get more than one chance to make a successful course. [7:25] It took Kevin a couple iterations, researching the market and figuring out what people really wanted. He spent a lot of time on Facebook and networking with people and figuring out what their struggles were, what their pain points were. It's just figuring out who you want to work with. [8:06] Kevin tried to launch a course where he would sell it to video people but it just didn't take off, and they didn't respond well to it. He was trying to teach them how to grow their video business, and the biggest friction point he had was the cost, so he went back to the drawing board and figured out who he really wanted to work with. [9:02] Don't give up. Model after what other people are doing in your industry who you've seen make a successful online course. What is their funnel look like? What are the videos that they're making look and sound like? Model after some of that stuff and don't be afraid. [9:55] If you're afraid of getting started, hire somebody that can do it for you and has done it before. Follow Kevin Anson on: The Video Formula: https://lddy.no/ttf0 LinkedIn: https://www.linkedin.com/in/kevinanson Facebook: https://www.facebook.com/kevinansonHQ/ Youtube: https://www.youtube.com/channel/UCbIipdoqa9Ex4TDvaDl1LGQ Instagram: https://www.instagram.com/kevinanson/?hl=en

En las últimas semanas hemos escuchado mucha información sobre la vacuna covid en madres lactantes de grupos de riesgo, como por ejemplo las madres lactantes sanitarias. Aquí tienes la url de la publicación: https://www.nadiecomomama.com/podcast/vacuna-covid-en-madres-lactantes/ Todo comenzó a mediados de Diciembre y desde ese momento hemos visto diferentes pronunciaciones al respecto. Cambios de opinión, Comunidades autónomas que recomendaban cosas diferentes... Eso creó incertidumbre e inseguridad en nuestras madres lactantes. Por eso hoy vengo muy bien acompañada por Edurne Ciriza, Pediatra del centro de Salud de Ansoáin y Coordinadora de la iniciativa Centros de Salud IHAN (Iniciativa para la Humanización de la Asistencia al Nacimiento y Lactancia). No te pierdas el podcast de hoy, y si tienes alguna duda, tanto Edurne como yo estaremos encantadas de responderte.

Enero es un mes de propósitos, pero también de balances. Dejamos atrás un año en el que la iniciativa ciudadana Okupas Motorizados, nacida en 2018 en Navarra, no ha dejado de publicar imágenes de usos ilícitos de plazas y de tarjetas de aparcamiento reservadas a personas con discapacidad. Ni el confinamiento ha persuadido a los okupas: Los colaboradores "compartieron fotografías con irregularidades el 75% de los días que duró el confinamiento" asevera su impulsor, Juan Larreta. El mensaje de OkupasMotorizados va calando en la sociedad navarra con la contribución de los ayuntamiento que se han sumado a la campaña de sensibilización “Ponte en su lugar NO en su sitio”. A los consistorios de Zizur Mayor, Orkoien, Pamplona y Villava se unirán en breve los de Ansoáin y Huarte. ¿Y el principal reto para 2021? Avanzar para que Navarra tenga un registro único de tarjetas que permita controlar mejor su utilización y reducir el fraude.

Entrevista con Ander Oroz, alcalde de Ansoáin, en SER de la Comarca, espacio de Hoy por Hoy Navarra en el que nos acercamos a diferentes localidades cercanas a la capital. Hablamos sobre las no fiestas de Ansoáin, vuelta al cole y proyectos de movilidad en el municipio.

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I spoke to the chief economist of PwC in Nigeria Andrew Nevin. We had a conversation on taxes, central banking, and economic reforms in general. Andrew also explained his preferred measure of economic progress as opposed to GDP, and whether we should be more like China or India. I thank Andrew for agreeing to share his views with us.You can always listen or download right here on Substack or do the same on Apple Podcasts, Stitcher, TuneIn, and Pocket Casts. There is also a transcript below. You can rate us on any of these platforms, this helps others find the show.TRANSCRIPTTobi: Hi everyone. I am on today with Andrew Nevin, the Chief Economist of PricewaterhouseCoopers in Nigeria. It’s great to have you, Andrew.Andrew: Great to be here, Tobi. Thank you so much.Tobi: I will like to start about taxes. Oil prices have collapsed, and along with government revenue, so naturally, the government is looking towards taxes as a way to buffer the government’s revenue source. What I just want to ask is, how realistic is that plan, especially in the current economic climate? Andrew: Well, I think that we all understand by now that Nigeria collects a small amount in tax compared to other countries. I think the number is about 6 percent of GDP, very small. So for the last few years, there's been this narrative from the government: we need to bring people into the tax net, people need to pay more taxes, more tax compliance, that I think we've all seen. And now of course with the collapse of oil revenue there's essentially no tax revenue coming from oil for the next few months, at least, and maybe longer. So, of course, the government is in a very difficult fiscal position. So naturally, they're going to say "we now need to increase our efforts to bring people into the tax net to increase the tax revenue". There are two problems with that. The first problem and we've highlighted this over the last four-five years is: it's very difficult to increase taxes when people feel like they're not getting services. So if we think about the social compact in Nigeria, certainly over a decade that I've lived in Lagos, the social compact is simple: the government doesn't really tax you very much but it also doesn't provide services. So people provide their own security, their own electricity, their own healthcare, their own education, their own infrastructure, and that has been the social compact. It’s not ideal, but that's the way it’s worked. Now the government comes along and says, well, we want to bring you into the tax net, we want to increase taxes, the rates, the number of taxes, and people say: hold on a minute, this social compact doesn't work unless I'm getting some services. So that's one challenge. The second challenge that we’ve talked about over the years and is really now quite a huge pressure is, [it’s] very hard to raise more taxes while the economy is not growing. Over the years from the 2015 recession we still had very low growth, 1-2 percent, a little over 2 percent in 2019. So [economic] growth has been below population [growth], which means that incomes have been going down, which means it's hard to take more money out of people. So both of those things remain challenges, we now have this confluence of events where effectively half of the revenue or more than half of the revenue going into the federation accounts collapsed and yet it’s very difficult to take taxes from other places. Tobi: It’s interesting you talked about growth because I was looking at data from the IMF a few days ago and per capita income in Nigeria has basically stagnated in the last four to five years. So basically people are not growing their income and it's very difficult to raise taxes. But there is another argument that I would like you to explore with me, which is that, is it also about capability for government? I mean, there is no national database and that is not cheap. How significant a barrier is that to expanding the tax base?You asked on a general level, on a general level, if we don’t get investment up, we won’t be able to bring people out of poverty. - ANAndrew: Well, I think that there has been a lot of progress on that, certainly in Lagos where I live. The electronic record of the LIRS [Lagos Inland Revenue Service], the ability to bring people into the tax net, the [indistinct words] that they have, those things have got[ten] stronger and stronger over the last few years and they've made progress on that. But I think that what you raised, Tobi, is a really...is a general point. I think there is a lot of capabilities, certainly the Federal Government, the Lagos government which I know best, and other States. But I think sometimes the problem is the capability is spread too thin. We have so many MDAs at the Federal level, so you have a pool of very talented civil servants and people [who] come from the private sector...to cite a couple - Dr Jumoke, Yewande Sadiku at the NIPC, Engineer Chidi over at the concession group...I mean you have some very high-quality people, high-quality staff, but we'll get so many MDAs, sort of create complexity and then there are pockets where the Federal Government or the State Government don't necessarily have enough capability. I think also at the state level, it's a real challenge. Many states as we know have very small IGR [Internal Generated Revenue], they haven't yet sort of got their records or their system in place to raise internal generated revenue from the businesses that do exist in the states, but the states are trying on that... but I think you highlight a really...yes, a very critical issue.Tobi: Still on income growth, what do you think has to change for per capita income to start growing in Nigeria? There are a few hypotheses that we are going to explore as we talk along but just your general view, what would it take, what has to change?Andrew: Well, I think the perspective we’ve had over four or five years is pretty simple. People talk about this program, and agriculture, it’s small business, and concessionary financing, all of these little pieces...but when you ask in general what the issue is? We need to grow. We’ve said for years that the country needs to have GDP growth of 6 to 8 percent a year to reduce poverty and alleviate unemployment. Why? Because we have population growth that is probably almost 3 percent a year, so if we're growing at 6 to 8 percent, per capita income will be 3 to 5 percent growth per year. So that starts to be meaningful over a few years. But more than just GDP growth it needs to be inclusive. I think the period from 2010 to 2014, there were lots of GDP growth but it was not shared evenly or not shared appropriately throughout the country. So we need to grow 6 to 8 percent. Now, how does that happen? At the very basic, almost mathematical or physics level, to grow requires investment. So how much investment? When we look around at the economics of this in some other countries, the investment needs to be close to 30 percent of GDP which in Naira terms, say, in 2018-2019 come in with, maybe, a 150 trillion Naira...so 30 percent is 45 trillion Naira of what economists call gross capital formation. We are only getting a little more than half of that, maybe 25 trillion roughly. We cannot grow 6 to 8 percent when there is not enough investment. So then that leads to a very simple question, why is there not enough investment?I lived for ten years in China. I went to China the first time in 1983 which was the beginning of their economic transformation and they have lifted 500-600 million people out of poverty, they’ve grown 8 to 11 percent, 8 to 12 percent, 6 to 10 percent for forty years almost now, and how do they do it? Well, you have to invest. So we have to invest in Nigeria. Then the question is, given that Nigeria is probably the number one economic story on the planet right now for potential, why are people not investing in Nigeria? Why are Nigerians not investing enough? Why is the diaspora, who have resources and know the country not investing enough? And then if those two groups invest, then foreign investors, direct investors will also invest but they are not investing. So that's the question we’ve posed to the Federal Government. You asked on a general level, on a general level, if we don’t get investment up, we won’t be able to bring people out of poverty. But why are people not investing? If we want to explain it very simply, what we say is: right now, it’s too complex and too costly in Nigeria to do business. Despite the incredible efforts of Dr Jumoke [Oduwole], a national heroine over at PEBEC, it’s still too hard. Too many agencies, too many costs, too much complexity, so people choose not to invest. I was talking yesterday to the CEO of a major Nigerian company, very successful company, and he was talking about one of the global giants that I won’t name here but who is evaluating between South Africa and Nigeria for coming into the country and they made the decision... they’ll eventually come to Nigeria, but they made the decision, for the moment, to go to South Africa. He said it was very simple, they just found it too complex dealing with too many agencies, too many taxes, not just the level of taxes but the complexity of taxes. So until the Federal Government and the State Governments are serious about wanting to make it an attractive...and I said this, sorry, let me also add, Tobi... I say this not as just the Chief Economist. My main role at PwC is I oversee our financial services practice, so I am out-serving clients, I run a business - PwC. I also have two technology companies that I have helped found in Nigeria, so, you know, I'm doing this I'm not just speaking about it and I can tell you - it is not easy in Nigeria. So we have this incredible opportunity, we have incredible entrepreneurs both Nigerians in Nigeria and in the diaspora and yet it’s not been tapped quite yet.It may be distressed, but I prefer democracy and Nigeria's democracy is a work in progress but it's a democracy. - ANTobi: That's interesting. You mentioned China, so let's explore that. Everybody would love to copy the East Asian model, right? But in Nigeria, it seems, at least to me, that we are still doing import substitution industrialisation rather than exports and oriented manufacturing that lifted Asia out of poverty. Now, I'm asking at a conceptual level, what has to change in policy circle for us to see the distinction between those two models?Andrew: Well, I think to begin with, I said I’ve lived ten years in China and I think there are some positive things we can take from it but the truth is, China is not a democracy. It's an autocratic, one-party state and I'm not sure it's a great model. Maybe, in the end, that would win out economically. It may be distressed, but I prefer democracy and Nigeria's democracy is a work in progress but it's a democracy. I think that we've advocated over the last one or two years that the right...and of course people come all the time, I go to conferences and people say Rwanda, Singapore as models for Nigeria, we said very clearly, we think: look, if you're going to take one country as the model for Nigeria, that we have the most lessons to learn from, it's actually India. And why? India is a large, diverse country. It has religious differences, it has cultural differences, it has geographic differences, it has very different topography and no one can argue that Nigeria is more complex than India. They are both complex. India, like Nigeria, is a messy democracy, a work in progress. But despite that, they have made a lot of economic progress in the last twenty years, really unlocking things starting in the beginning of the ‘90s. Then when you go to the economic model, what unlocked it for India was not exporting goods (physical goods), it was exporting services... particularly around IT. Many countries have a diaspora but the thing about the Nigerian diaspora is, they are at the top end of the income ladder. - ANSo one of the things that we are starting to say is, like, should we be focused so much on exporting physical goods because if you think about where we're at, a couple of things are going on. One, of course, is, to export a physical good, it just requires a real improvement in the infrastructure that we have - port infrastructure, road infrastructure to bring down the cost to be competitive. Secondly, where are we going to export to? If you think about what's happening in the world, the population in Europe is shrinking population, the population in North America is basically flat, are we going to be able to export into a shrinking market into Europe? There are already people that export physical goods into Europe, can we displace them? I'm not sure that we can that easily. Can we export to India? Well, they already have their own manufacturing. Can we export to China? Well, they’re sending their manufacturing here. So I'm starting to think that we should kind of leapfrog and actually go back to the lessons from India and export Nigerian brains without exporting the people. If we go back for a minute to the way the economy works here, the biggest source of FX is actually diaspora. So Nigeria, unlike many countries...I mean, many countries have a diaspora but the thing about the Nigerian diaspora is, they are at the top end of the income ladder. They are the best-educated group in the United States, they earn above the average American which is an amazing accomplishment for a new immigrant group. We are exporting Nigerian brains and then a lot of the money falls back. Now, we then ask the question, can Nigeria export people but without people leaving Nigeria? So that they are working in Nigeria but they are earning foreign exchange, they’re being paid at the global level or a little bit below because that's what people bid from the demand side, and it’s starting to happen. I want to highlight on this show one incredible woman, incredible Nigerian heroine, and [her] company. This is a company called Outsource Global which is based in Kaduna and Abuja and it outsources to global companies for different kinds of support - call centres, but also…the other support is not necessarily voice to voice but task, legal task in some cases. It has over a 1000 seats on there and it’s founded by this amazing woman Amal Hassan, and it's growing in the Covid-19 because people need more remote work. So think about what's happening here, we now are exporting Nigerian brains, very high value-added, they are not physically leaving Nigeria and this is starting to happen. If you look at some of the global companies like Microsoft, for example, they are putting more and more of their development into Nigeria. So what is that? Again, that's an export of Nigerian people, of Nigerian brains. So I'm starting to think that rather than advocating for trying to follow the East Asian model (that model is gone historically), we should follow more the Indian model, companies like Webpro, Infosys that has turned into giants now. They employed millions of people in India. Tek Experts is another one in Nigeria that is exporting Nigerian brains. To me, that's a higher value-added path at the moment.Tobi: My follow-up to that would be: that requires a relatively high level of human capital and the distribution is unequal and the ability to take advantage of that opportunity will be unequal as well. Maybe it will be different for Lagos, Kaduna, as opposed to Kebbi or...so now my question is do we really have to adopt a distributed, varied development strategy at the sub-national level?Andrew: Let me just go back to the point you made about exporting people being high end... absolutely. Remember, you want to export very high value-added things, that doesn't mean it's the whole economic strategy, so in terms of domestic sectors, we said for four years now the number one sector is real estate. Why? Because, first of, there's a housing deficit. I don't want to give the number because the number that's being repeated, very large number is not very accurate, we don't have that many homeless people in Nigeria but a lot of people live in substandard housing and there is a housing deficit. We need more housing not for the high end but for the middle-income people, lower middle-income people, and that drives employment domestically. So we are not exporting housing but we're doing housing, that is the biggest sector for us. The reason to our employment is every time you build, you need local building materials, you need carpenters, electricians, plumbers, labourers, caterers come on site. And once the place is sold, the family that moves in, they want to furnish it, [and] over time that drives other industries so that's one domestic industry. Agro-processing, we are very keen on as well, we've written a lot on it. But, again, it may not be for export. Some of it could be for export - cashews, maybe eventually palm oil will export but, of course, we have such big domestic uses of... just the domestic use of that is huge. So I don't want to say that exporting brains is the whole economic strategy [be]cause you're right, but it's so high value-added that if we had, I don't know...if we had a hundred thousand educated Nigerians exporting their brains but sitting in Nigeria will have a massive impact on the economy because they're earning good salaries. Now, they're spending the salary, they're buying homes and that's important to labourers, you get the normal, sort of, knock-on effect. So we need [the] export strategy and we also need, kind of, the domestic strategy. Now your question about sub-national, yes, we've said for a long time that one of the major issues in Nigeria is the imbalance of economic development. We have Lagos 30-40 percent of the formal economy in Nigeria and yet many people who are in Lagos that come to work but they don't want to be in Lagos. All of us who live in Lagos are aware of the challenges with the traffic, with the infrastructure. And if you talk to some of the senior political people in Lagos, they will say the biggest problem we have in Lagos is every time we address something, we get more people coming in. So we need development across the country, we need it in Cross River, we need it in Sokoto, we need it in Niger, we need it in the North-East as well. But I think that what's happened over the last two years is it’s not just us saying it, I think everyone recognises it. Domestically people are doing this and you start to see the emergence of some really incredible governors who have taken responsibility for their states. To name a few that I am familiar with...His Excellency Governor el-Rufai in Kaduna working very hard to move the state forward. Governor Makinde in Oyo State. Governor Obaseki, I mean, obviously there are some critical challenges in Edo State but he is very focused on the right things. So I think that's a great movement forward and the Federal Government recognises this too. So, again, we talk about PEBEC and Dr Jumoke, we talk about the National Investment Promotion Council with Yewande. Those groups are now working at the subnational level, I think that's a major step forward for the country and we're going to start to see the fruits of it. I think most governors recognise they themselves have to be out and getting this investment I talked about earlier and are making real efforts. So I think we should be encouraged by that but it's got to accelerate, we have to take the pressure off Lagos, we have to give young people, in particular, a reason to want to stay in their state, or not necessarily move to Lagos [but] to move to some other commercial center where they can find opportunities.Tobi: Deindustrialisation: how plausible is it an hypothesis for slow growth in Nigeria? I mean, services is growing really fast and in terms of value-added it has a higher share of the economy, and agriculture has also a large share but industry has shrunk over the last few decades. So how plausible is deindustrialization as an hypothesis for slow growth?Andrew: Well, I think that we all understand the challenges that industry...talk to MAN (the Manufacturers Association of Nigeria), for example, all the members there understand just how difficult it is to operate and of course you have power issues, you have infrastructure issues et cetera. But before commenting on that, one thing that is important to remember is sometimes the statistics are difficult to interpret. So if you look at the division in the country between services, agriculture, manufacturing get certain numbers... but if we have a tomato paste processing plant, does that get classified as agriculture or manufacturing? So I'm not so worried about, kind of, the statistics [be]cause it is very arbitrary which is what's happening on the ground. But in terms of the manufacturing side of things or the agro-processing which I think is a big component of it that should grow, (and) of course, it already happens...we have companies that do agro-processing. We have Flour Mills, UAC, Dangote...they do a lot of these. But of course it's been difficult. As I said before people have to build their own infrastructure, their own power situation et cetera. So MAN said, we’ve said, others have said...it's so obvious that [the] precondition to moving forward for more value-added manufacturing in any sector is obviously power. We've struggled with it with the privatization that happened 2013, but it seems sensible “oh, privatization, hopefully that will lead to a better power situation” but the truth is it's got[ten] worse and I think now the whole country, everyone recognises that. But I'm quite hopeful on the power situation. Again, first of, there has been [an] admission by everyone, every government, every private citizen that we’re in a power emergency. Two, you’ve got one of the leading figures/leaders in this country stepping up to lead the new super committee that is looking at power and I expect they’re going to come out with some...sorry, let me also say that I'm very very happy that Governor el-Rufai has recovered from the Covid-19 virus, it makes you realise how everyone at every level of society is vulnerable. Thank God that he recovered. But Governor el-Rufai I expect that committee comes out with its recommendations to do some radical things on that, recognising, obviously, we need a cost-reflective tariff, we need a way the bottom of the pyramid can get access to some power. We also need some, probably, decentralization because there are so many technologies for power, and so many decisions to be made it's difficult to make them all at the center. But I do think that would unlock a lot of these issues over the next few years, so I'm very hopeful on the power situation. Tobi: On the power issue, if you have to come up with, say, three things that would really need to happen for that sector to see the needed to change, what would be on your list?Andrew: I'll give you one thing. So we did put out a paper that suggested actually that we should focus the power that we have, uninterruptible power, to manufacturing [and] charge them more for it if they're willing to pay for that, but that's one idea. But the big idea that we put out for three or four years is simply decentralisation. If you look around the world...so I'm Canadian, I think most people who follow me know that. We often on Twitter have discussions about immigration to Canada from Nigeria, but in Canada, power is a provincial issue. So you have Nova Scotia which is a province of about a million people and I think it has (I'm just guessing) probably between 200 and 400 thousand customers between residential, commercial, and industrial and it's a provincial matter. As far as I know, I don't even think there is a national regulator of electricity in Canada. The provinces sort out their own electricity, there's lots of different models - some privatisation, some state/public-sector lead pieces of it and it works fine and then, of course, the provinces sell power between themselves, they sell power to the United States. The power from Niagara Falls which is a large (I am sure people have seen pictures of it, also not far from where I grew up) which [has a] massive hydroelectric dam there, sells its power to New York State and the Federal Government doesn't get involved. So if you wanted to put one big idea out there, it's decentralization. Today, the decentralisation is even more critical because there are so many technologies to produce power on a smaller scale than we had before. If you go back to when I grew up in the sixties, you had this image of big power plants, big thermal plant, big hydroelectric plants, big nuclear plants...now power can be produced in situ where you are at a smaller scale. If you take gas power for example, the scale economics aren’t that strong so if you have gas, you could produce power locally for local needs. So, in answer to your question 3 big ideas, let me put one big idea which is let’s decentralized the power decisions. And I think if you told States "get on with your power situation", they would find local solutions to their own situation to make sure that they had power, that their manufacturers had power, that the bottom of the pyramid had access to some power, maybe subsidized rates, but those decisions can only be sorted out locally.Tobi: Interesting. Decentralisation seems like the solution to a lot of problems in Nigeria.Andrew: Well, people say to me, why do you stay in Nigeria? You’ve lived all over the world, you can be anywhere. I say this is the future. I mean, as we know, the population projections having us come third largest most populous nation, hopefully in my lifetime we’ll see that. It's the biggest economic opportunity, people are incredibly entrepreneurial in tough conditions. So how do you unleash that energy? It's just easier to let people get on with it at the local level. I'm not the only one or PwC is not the only one saying it, except there is now widespread recognition that things have to happen at the sub-national level. I mean, of course, one powerful idea you want to see in any country is, a state has a great governor, I mean Governor Makinde focused on health care, focused on education, focused on continuing the projects of his predecessor rather than abandoning [and] wasting those resources. If the Governor in the next State is not doing it, people are going to say "Oyo is moving forward" and they are going to hopefully elect someone. But that goes back to what we discussed earlier, it's an imperfect democracy but all we need to do is push forward.Tobi: I would want to talk about the Central Bank, how Central Banking is being done in Nigeria. Now, take the power situation, the Central Bank Governor has been on a tour the last couple of years that, oh, this sector, textile, whatever, so they say power is the problem and this is what we are doing to finance power provision. My question is should that really be the remit of the Central Bank?Andrew: I think I will just go back in history a little, a short-term history. What brought me to Nigeria was the financial crisis in, well, the developed world in 2008. I moved to Nigeria in 2009 and my first client in Nigeria was the Central Bank of Nigeria when Governor Sanusi who, of course, became the Emir of Kano (and now is no longer the Emir of Kano) was running it. And he in 2013...I was at the bankers’ committee strategic retreat in Calabar in Cross River and that was his last bankers’ committee retreat. So CNBC came to the meeting and they asked him this... and we all watched while he was interviewed...it was sort of live interview with us in the room, bank CEOs, and people like me, advisory people, sitting in the back and the sides and they asked him exactly that question seven years ago (cause he started intervention programs and, in fact, some of the work that we did with him earlier was what encouraged his interest in agriculture because we pointed out that agriculture was 35 or 38 percent of the economy but had none of the lendings, so that got him thinking about that). So he said, look I get you, you can look around at different Central Banks around the world and they don't do things [like] what we're doing here. And he said but the reason I’m doing it is if we don't do it, who else is going to do it? [The] Central Bank has always been the Federal Government’s MDA that has the most capability, very talented people, high-quality organisation, so they've sort of stepped into the breach. That said, given your question, I guess we've sort of said...look, we're asking too much of the Central Bank in Nigeria.  Sometimes I go on television, and the monetary policy committee will be meeting and the next day or the next week they will be asked: should they cut rates, raise rates 13 percent, 12 and a half, 13 and a half? And I say, look, I don't even think that question is that important because the issues that we have in Nigeria the Central Bank can't solve that way. We have, I won't even call it fiscal issues, we have structural issues that can only be solved by the executive and the legislature at the federal level, at the state level working together, for example, on the real estate... to unlock the real estate sector. So we ask too much of the Central Bank, I wish it wouldn't get so much attention. If you look at developed economies, if I take Canada, for example, I don't think most people can name the Central Bank Governor. He does his part on that, adjust interest rates to some monetary policy intervention. Basically the economy works because it's structurally sound and I can give you an analogy. The Central Bank Governor of any Central Bank in the world is a racecar driver and if you give him a car from the 1920s, it's only going to go as fast as the car from the 1920s goes. If you give him a car from the 1950s, it's only to go as fast as a car from the 1950s. And if you give him a car from 2020, Ferrari (F1 Ferrari), it's going to go that fast. So the issue [is] that people should not be putting so much pressure on the Central Bank in Nigeria to fix our economic and social challenges. It's going to be fixed elsewhere.Tobi: Forgive me, Andrew, this leads me to a sort of question about institutions generally. Yeah, Sanusi started this and maybe, just maybe, he had the sense to know where the limits are, the extent of the capability of the Central Bank to actually solve what you have also said are structural problems that should be fixed at [a] political and fiscal level in Nigeria. Now, we've had some situation in the last couple of years where the Central Bank itself has been the source of domestic economic distortions, in terms of prices and exchange rate. I was reading a paper a few days ago by the former World Bank Chief Economist where he clearly said that there is some evidence, as much as we know what evidence are in economics, that there is some evidence that Central Banks in developing countries would generate a lot less distortions if they adopt some kind of rule-based intervention in the market as opposed to discretions. What I want to ask you is this: is it time for some kind of rule-based regime at the Central Bank? Some kind of legislative oversight over what the Central Bank is allowed to do so we don't have a situation where central banking will only function according to the disposition of the personnel in charge.If we wanted to have a more rules-based approach to monetary policy, absolutely, that would benefit the country, but it also requires the other pieces of the national leadership to do their parts so this will be part of a comprehensive whole. - ANAndrew: I think I would agree with that but the way I phrase this is, we need to take pressure off the Central Bank. I mean, the legislative and the executive arms need to say, okay, we get it, there's a limit to what the Central Bank can do. Obviously Central Banks need to be involved with questions around the currency, interest rates, stability of the financial sector, let's simplify the role here and you can do that and we will create rules that send positive signals to people involved in the economy and investors to do that. That would be great, but then the legislative and the executive arms then need to take on the task of doing what needs to be done to fix the economy structurally. In a way, what's happening is the Central Bank is intervening in tomatoes, intervening in SMEs, intervening in cultural things, in the power sector because the other arms of government have not stepped up to their responsibilities. So, absolutely. But it will have to be part of the whole package. It wasn't like the Central Bank was entering into terrain that was being already done, they enter in because there was a vacuum. If we wanted to have a more rules-based approach to monetary policy, absolutely, that would benefit the country, but it also requires the other pieces of the national leadership to do their parts so this will be part of a comprehensive whole. Tobi: Okay. Another question I want to ask you on that is, I spoke to Nonso on this show a couple of weeks ago. You know Nonso Obikili and one point he raised is that over the last ten years or so, there's been not too many economists at the Central Bank. Bankers have, sort of, exerted a lot more influence on the Central Bank. What I want to ask you is should we separate banking regulation from monetary policy? Would that be a useful way to go, like they did in the UK, for example?Andrew: It's a good question. Canada where I [am from]... everyone knows I'm Canadian...those functions are separated. The Central Bank of Canada is effectively just doing monetary policy. Regulation of the banks themselves, and we have five big banks, some other banks and, of course, the larger financial sector is regulated by any other group, works perfectly fine for us. So I think it's certainly an option. One of the things people may not realise, just for historical reasons, if I remember right two-thirds of the banks are supervised by the Central Bank and one-third supervised by the NIDC. Just for historical reasons they use the same standards, as an example. So we already have supervision done by [a] non-CBN group there, so I think both models can work but I think it's probably, you're right, easier in a leadership sense if the Central Bank can just focus on the core issues of monetary policy, exchange rate policy, interest rates and some other group does the supervision. But I think that issue in the context of our overall problem is probably a secondary issue for the moment.Tobi: Let's go out of that orbit a bit. The creative industry, Nollywood, music and all, how much of a growth potential does it have? Netflix is now in Nigeria and there's a lot of excitement.Andrew: It's massive. We've done some work in the creative industries, how to get funds to them. Even though there are lots of barriers, you'll still see the incredible success of the music industry and now the Nollywood industry around the world, and of course it's massive domestically. But to make it grow more we need to have a little more structure in the industry, particularly people that are creative, that create these incredible products need to be able to get the fruits of their labour. I mean issues around piracy and distribution. But I think enough people have recognised this now, as I said we've done some work...there are people, groups with money outside of Nigeria who now recognise and want to invest in this industry. And again, as we're saying earlier, Outsource Global, Tek Experts, Microsoft...they are exporting Nigerian brains and earning FX for the country increasingly. Nollywood and the music industry as well are earning FX for the country, big exports. And of course, it's not just Nollywood, it's also fashion, for example, it is a big part of African fashion, people around the world are listening. Last night after dinner we listened to Nigerian music, it's just... that's what we do now. It's fantastic, and I think it is also a fun industry. One of the things that Nigeria does better than any other place that I have ever really lived is events. I mean it's just incredible when you sort of see some of it...and of course, it's tied together and night clubs, parties, all of that is tied together with the entertainment industry is a great part of Nigeria.So I think it should get a lot of attention. Now, one of the things that is critical to it, of course is, again, financing. What's happened over the last few years is the banks have become a little more specialised in what they support. Five years ago you never heard of this but now there are some banks, I won't name them here, that are focused on the entertainment industry. The way it works in banking or financial industry is, you really need sector expertise. So if you look at, say, for example, Sterling Bank they have a public strategy, health, education, agriculture, renewables and transport. They really go deep in those sectors. FCMB has come out very clearly says it's going to be agriculture-focused and then some other banks as I said now focused on Nollywood and the music industry. To the extent they've got [the] expertise, they have better ways of channelling money into it. So I think we'll see it develop rapidly and that should be encouraged. Again, it's a service industry but it has great potential to generate value for Nigeria.Tobi: Let's talk about the tech sector. You are an investor and also an entrepreneur in that sector, what is the current state? I'm asking this because, of course, this is going to be a bit controversial... I have a few friends who think that the way things are currently is still a bit overrated...Andrew: The tech sector. The tech is overrated?Tobi: Yeah.Andrew: I think the thing about the tech sector you have to remember is... I meet so many young entrepreneurs, I always make time, someone reaches out on LinkedIn, I'll read the business plan...and, you know, the energy level of the entrepreneurs is just fantastic and just the sheer courage to try something. But the truth is into these, sort of, startup tech things, most of them are going to fail. Sometimes the young entrepreneur is absolutely convinced of his or her success which is fantastic, you need that energy. But the point is you might have fifty fail, but if you have three that succeed in a big way that makes a difference to Nigeria, that is what we want. I don't want us to focus on the failures, what I want us to focus on is how do you create something that works in the Nigerian condition? If we take two areas or three areas, so we take edtech, healthtech, and cleantech/energy. So, health and education - we have said it's basically impossible for Nigeria to duplicate the models that were built 150 years ago in these areas in developed countries. So if you think of medicine, you have physical doctor, physical nurse, you have one doctor for every 500 people on that. We can't mathematically ever get that many doctors in the right location, so there has to be some technological/healthtech kind of breakthrough to deliver. And I know lots of people working on it, we should encourage that and there will emerge out of that some successful ones that find the right models to put things together. In a way, Nigeria has spent its money and in many cases not getting anything for it. - ANSimilarly in education, particularly with Covid-19, people have started to realise they can learn remotely, they can interact with people remotely. Now, how do we solve it for education for Nigeria? But, again, the local conditions are so critical. I've seen some people trying to bring solutions from developed markets, but we don't have the power, we don't have the bandwidth and then your solution fails. What I want to encourage our young entrepreneurs is to try to find things that work under the Nigerian conditions and can piece together these challenges and solve it. Cleantech, as I mentioned, [is] exactly the same thing. Even if we build out the grid, we'd still have, I think estimated for Africa, if the grid was built out economically we would still have 400-500 million people who are not connected to the grid in Africa in 10 years. So the only way to deliver power to them is in situ, like, where they live the only way to do that is obviously through solar. Because if you have to deliver them some kind of fuel, one that pollutes but too, it's just the same problem as the grid, it doesn't really solve the issue. Again, what are the solar solutions that are coming through? Lagos is actually the centre of solar technology around the world, small-scale solar right now. We have so many companies trying so many different things. Some will fail and many will fail, some will work. What I will say about the tech industry is, yeah, there's a lot of hype, one of the areas that I'm not so convinced about is AI (artificial intelligence) you're always hearing about it, what does it really mean? But out of that hype, there's going to be people that build organisations and companies that solve real problems for Nigerians.Tobi: How significant is the talent gap in that sector? Jumia has their engineering staff in Portugal, I know a popular fintech that has their [it’s] engineering staff in Turkey, and is that a function of our low investment in education?Andrew: Well, I think as we know, when Nigerians are given the opportunity, they are incredible learners. We said before, the diaspora has gone and done great things in many countries when they get the education. But in answer to the question, Tobi, yeah, the country is underinvested. People are not getting enough education, resources are diverted to the wrong things, so we started to say the only thing that public money should be spent on are education, health and to some extent some infrastructure, particularly roads. Toll roads are quite inefficient so it makes more sense for the public to finance the roads, but not the port, not the airport, not Ajaokuta Steel, not refineries. In a way, Nigeria has spent its money and in many cases not getting anything for it...it has wasted its money the wrong way. The way we put it is, the only thing that [the] government should be investing in is the Nigerian people. Invest in Nigerian people, [the] economy is going to improve. [If] what you just described doesn't happen, we get programmers in IT people who are domestic, we get some of that exported through these kinds of companies I talked about, some of it go to the diaspora and we get a flow back. But, yeah, we need to invest in people, it's that simple. So if there is one message that we as PwC would like to give the country is if public sector resources are invested in people, the country will thrive.Tobi: Let's close out with coronavirus, the pandemic. The conversation in Africa and, of course, Nigeria has been about how affordable are the economic cost of this, weighed against the public health measures that are being taken - the lockdown, and everything...what some are calling a Keynesian supply shock that has caused even a larger plunge in demand and margins are down for a lot of companies. What I want to ask you is this, if you are in the room with the presidential committee or task force that is responding to this, what are the things that we need to do to have the right balance between the economic cost and the public health measures right now?Andrew: Well, Tobi, I'm not sure I'm wise enough to know the answer to that. I think we all grasp just how difficult the situation is and I really...as you said, the health unknowns, the economic challenges. Six or seven weeks ago, we said the two things that countries need to focus on are: one, getting resources to the bottom of the pyramid and, two, keeping the food supply chain intact. Why is that? Because we understood a lot, you know, in the beginning of this...what would happen is if you have a lockdown, all the people who are in the informal economy or even the formal economy that are effectively earning daily income, daily wages, they are going to lose her job. We've had tens of millions of people in Nigeria lose their source of livelihood in a very short space of time. Everyone needs to eat, so getting them resources is the most important thing and, of course, it doesn't work if the food supply chain isn't intact. The issue with the food supply chain is you actually need some movement [because] where food is grown is not the same place as where it's processed which is not the same place where it's consumed. I think the government has done a good job of focusing on those two fundamental issues, it's imperfect, we don't really have a great system for getting resources to the bottom of the pyramid on that, but I think that between the government, civil society, private sector...people have recognised this issue and they've really been doing the best they can. And, of course, individuals - every individual that's doing well in Nigeria is connected to people who rely on their daily wages and to the extent that they can, many I know are supporting people who have lost their livelihoods. So in the short-term, that's what the country needs to focus on and I think that the Federal Government has done a good job. That said, it's just so complex...it complex from a science, health perspective, we don't know everything about Covid-19, the transmission, asymptomatic people, how many people have it... it's challenging from a testing viewpoint in a place like Nigeria. Testing is being ramped up but still, we haven't tested in a lot of the population. So I don't know the trade-off, I think the Federal Government agency/taskforce is doing the best job they can but we're also seeing cracks with the coordination with the state level Governors, they are under pressure. We all see what's happening in Kano, what the Governor is saying about relaxation during Ramadan (Kano lockdown), yet, there are 100 new cases, over 90 in Kano. How many real cases are... I'm not second-guessing the government, I think they've done all they can in a very difficult situation and I think we're in for, at least, a few months of real challenges in Nigeria. And I want everyone listening to stay safe, keep as many people safe as you can, it is not easy.Tobi: Finally, Andrew, it's kind of a tradition on the show...what's the one idea that you would like to see everyone either in Nigeria or globally adopt?Andrew: We, and I, personally, have started to advocate in Nigeria that we don't measure GDP, that we measure the progress of Nigeria by the progress on the Sustainable Development Goals. The relationship between GDP and human welfare is not that strong and as I said in the 2010 to the 2014 period GDP grew a lot, but the benefits were disproportionately distributed. SDGs are very clear - no hunger, no poverty, good education, clean water access to healthcare... those are things that actually really matter to the welfare of Nigerians. So the one big idea we have is rather than every day we stand up and talk about GDP growth 2.1 percent, 1.6 [percent], 5 percent, whatever the number is, I would like to have a scorecard across the country in every state [of] how is the state doing on their SDGs and have a way of gathering. So people like me can stand up and say" Kwara State is doing fantastic on these dimensions that really matter to people, Cross River is doing great, this other state is doing not so well, Lagos is making progress". I want the language, let's call it the "lens" to shift from a GDP lens to  Sustainable Development Goal lens in Nigeria. That's my one big idea for the day.Tobi: That's interesting. Thank you very much, Andrew, it's been fantastic talking to you.Andrew: Thank you, Tobi. This is a public episode. Get access to private episodes at www.ideasuntrapped.com/subscribe

Voici enfin venu le moment de partager une de mes plus belles rencontres de cette année. En juillet, après plusieurs échanges d'e-mails, j'ai enfin rencontré Anso. Sous un ciel belge clément, je me suis entretenue avec elle dans une librairie, au rythme des sons de cloche de l'église voisine. Ainsi, elle m'a parlé, entre autres, de son enfance, de ses racines, de son rapport à sa négritude et comment sa redéfinition et sa réappropriation ont radicalement changé son art. Voici l'épisode 5 avec Anso aka Anne-Sophie Opara. Bonne écoute & un très beau week-end à tous.tes!

Альберт Тогобицкий / Albert Togobickij

Konferensrummet Avsnitt 1: Ansökan Vårt första avsnitt i podden behandlar ämnet ansökan till konferens såväl ur den blivande föreläsarens, som ur arrangörens perspektiv. Hur kan ett nytänkande ansökningsförfarande se ut? Hur kan arrangören använda en ansökan för att säkerställa ett bra framförande på scen? Vi utgår ifrån den traditionella formen call for papers, vad den innebär och hur den kan utvecklas vidare. Vi pratar om videoansökan och diskuterar vad som är viktigt att tänka på och ger samtidigt lite praktiska tips! Slutligen landar vi i samtal om den urvalsprocess som följer efter ansökan, vad vill vi se på scen och vad är viktigt. Ni kommer höra, Nova Norell, Madeleine Jostedt Ulrici och Pedro Pauta Alvarracin. Jingel gjord av Arvid Löfvenhamn. Varmt välkommna till konferensrummets första avsnitt: Ansökan.

« Manger en pleine conscience est l’une des pratiques les plus essentielles. Il est possible de manger comme si l’on retrouvait le biscuit de son enfance. » – Thich Nhat Hanh Dans cet épisode de la rubrique Lecture méditative, découvrez un texte de Thich Nhat Hanh tiré de son livre La Sérénité de l’Instant. Écouter Manger En Pleine Conscience Extrait Voilà aussi une interview sur comment bien manger avec Jérémy Anso. Pour tous les articles inspirés par l’enseignement de Thich Nhat Hanh, c’est ici. Retrouvez tous les épisodes Lecture Méditative.

Welcome to the latest episode of On the Air with Palantir, a long-form (ad-hoc) podcast by Palantir.net where we go in-depth on topics related to the business of web design and development. In this episode, Allison Manley is joined by Juan Daniel Flores of Rootstack, and Juan dives into the Drupal world of Latin and Central America. TRANSCRIPT Allison Manley: Hi, everyone. Welcome to On the Air With Palantir, a podcast by Palantir.net where we go in-depth on topics related to web design and development. I'm Allison Manley, Sales and Marketing manager. Today, my guest is Juan Daniel Flores of Rootstack. Juan spent some time with me a few months back telling me about all the exciting things happening with Drupal in Latin America. Here we are at DrupalCon Baltimore 2017-   Juan D. Flores: That's right. AM: ... in the convention center at the corner of Pratt and Charles Street. I am sitting with ... JDF: Juan Flores from Rootstack from Panama. AM: From Panama. You came all the way from Panama. JDF: Yes, sunny, tropical Panama. Yeah. The temperature is quite a good a change for me. AM: Is it? JDF: I was born in Colombia, in Bogota, actually. The temperature is more or less like this. I really miss the cool temperature, because in Panama, sometimes it gets really, really hot. AM: Well, we're welcome to give you a nice, rainy break, so ... JDF: Yeah, I appreciate it. AM: Is this your first Drupal Con? JDF: Yeah, this is my first personal, my first Drupal Con in the States, but we have been attending Drupal Con like, since five years ago. We are three partners, and they do most of the traveling. AM: Okay. Excellent. How long have you been involved in Drupal? JDF: We have been involved with Drupal like from seven years ago right after college. We graduated, and we got our degrees, and we started the company. We started with Drupal right away. We learned about Drupal, actually, by a friend in the college. It was like we saw the tool. We saw all the things that you could do, and we were like hooked up, like, "We have to do this. We have to use this." It's been quite a long time. AM: Wow. That's great. Were you self-taught or ... JDF: Totally self-taught. In the university, they teach you certain things, but to be, to thrive in this world, you really have to be very proficient in learning by yourself. You have to be active. You have to be checking what's going in the world. Thanks to our desire to know more, we picked it up and here we are seven years later. AM: And here you are. Glad to have you. You call yourselves the Drupaleros, sort of jokingly. JDF: Yeah, that's the term we use for Drupal. That's in Spanish. It's a term that we use in general. AM: Universally. JDF: Yeah. Universal. AM: So that's not just the Panamanian- JDF: Exactly. Exactly. AM: Okay. I feel like there's a presentation next year for just the Spanish-speaking Drupaleros. I feel like there's some sort of presentation you should make around that and what's happening in Latin and Central America. JDF: That will be interesting. Even though like I feel that we're a little bit late to the party, in terms of doing stuff, there has been a lot of work that has been done by Latin developers. For example, there's Jesus Olivas, which is ... Well, and the team from We Know It, that they have been working hard with the Drupal console project, which is picking up, really, a great amount of fans. He gave a talk yesterday. He's from Mexico. There's another guy. His name is Omers. He's also from Mexico. The other guys, Anso and Kenya are from Costa Rica. AM: How many would you say there are total between Latin and Central America, you know, that you keep in touch with on a regular basis working in Drupal? JDF: It's hard to tell to know a certain number because, unfortunately, the community there is like a little bit shy. But I can say that, for example, if I can measure events that we have gone to, for example, the DrupalCon in Costa Rica, or the DrupalCon Central America that we did a couple years ago, I would say we could see around 400, but it's hard to ... They show up for events. There are a lot of people that show at events. It's the the building the community that's hard. AM: How did you start out? Tell me about the beginnings of your business, then. JDF: We were in college. One of the partners approach to us. He told us like, "Hey, I think we should do this. We should make a company for our own." We are good, each one, in our own stuff. For example, one of the partners is very good at business development, organizing. The other one is very good at developing. He's a very strong skill set. I'm more like the creative one in terms of design, in terms of implementing the science. We're sort like a match in terms of our skills. We started that in 2010, and we slowly grew. We recruited guys fresh out of college from our own university. Then, we started to build the team. One of the things that I have heard here is that it's hard to find Drupal developers. Which if it's hard for you, it's harder for us. It's been years of finding good people that we think that can be a good fit and training them. I think there's a value in that, in home-growing the developers. Because if they aren't there, you have to make them. AM: Right. How big are you now? JDF: We are 25. AM: Oh, so you went from 3 to 25 in just seven years. JDF: Yeah. AM: Wow. JDF: We have 18 developers. Then marketing sales, designers, so yeah. We hope to keep growing, and yeah. Basically, the objective is to be bigger, to go for more services. Even though we started as a Drupal shop, now we're doing more stuff. We're doing automations. We're doing mobile development. We're doing interesting projects in terms of challenges. For example, last year we did a project for a company here. Basically, we did a mobile app in Ionic that you could turn on, turn off, set the temperature of your spa machine. They sell spa machines that have a wifi antennae. You could be in your office, and you say, "Oh, I'm going home." You start the spa. You set the temperature. When you get there, there it is. AM: That's excellent. JDF: Yeah. AM: That's quite a range of services that you do provide already, even if you feel like you want to add more. JDF: Yeah, yeah. It is to find projects that are challenging and interesting. That's the what we're looking for. AM: What would you say is your main client base or what vertical? JDF: Basically, companies that split in two, in terms of half the company works with agencies here in the States providing Drupal services, so back-end, front-end development, and the other half of the team works with local clients. In terms of local and regional clients, our main verticals are government, banks, certain industries, like ... You have big clients like supermarket chains, people that are looking for very complex web projects, or automations, or yeah, that kind of solutions that we can provide. Yeah, that's what we are ... The companies, like two companies in terms of what we focus on. AM: Fair enough. Your first DrupalCon, what do you think so far? JDF: It's been great. I mean, the level of the sessions have been great. I really like the fact that people are very open to talk, very friendly. I know that in our conferences that, for example, I have been, it's harder to meet people, to find a point of conversation where you can start. But here, it has been great. The parties have been great, also. They provide a good space for talking. For example, yesterday, I was with the guys at Lullabot. They were super friendly, super fun. We have a lot of fun. Yeah, I really like. It's right what they say about the Drupal community. It's very open and very ... Well, even though what has happened recently, I think the people here are very good people, you know? AM: I would agree with that. JDF: Well, I hope that you go next year to Nashville. AM: I will be there in Nashville. I would love to go to Costa Rica if I could swing it, but- JDF: Yeah, so there in August. It's super fun. There's a good vibe always. We always do some, like after the camp, we always do like a trip to an island, or a beach, or- AM: Forest. Something. JDF: Yeah, very relaxing. AM: Sounds amazing. JDF: You can add your vacations and you do a- AM: Any others to look forward to or ... JDF: That's the ones I think right now the top of my head. AM: All right. JDF: I think Mexico is organizing one, too. AM: Fantastic. JDF: Yeah. AM: Look forward to it. JDF: Yeah. AM: Thank you so much, Juan. JDF: Yeah, look forward to seeing you. Thank you. AM: Thanks for listening. Follow us on Twitter at Palantir or read our blog at palantir.net. Have a great day.

Disclaimer: All statements regarding the character of individuals or corporations are intended as satire and not statements of fact Welcome to the first episode of the Knife Nuts Podcast! Our guest in this episode is Brian Nadeau of Sharp By Design. Topics discussed: Strider Knives restructuring, Anso of Denmark, Sharp By Design Edit: To clear up any confusion we might have caused, Eugene at Olamic has confirmed that the Wayfarer 247 only has basic machining performed in Italy and everything beyond that is done in their shop in Visalia CA by the same crew who make their handmade customs. References: Jared West plane incident -www.ocregister.com/articles/passen…ong-flight.html and player.tout.com/dailynews/qdhviu Chris Reeve/JDavis altercation - www.reddit.com/r/knifeclub/comme…the_heat/cl4did3/

The enigmatic Dani Filth makes us work hard for our money on this week's episode: we talk about the upcoming Cradle of Filth record, how imagery can shape the outcome of an album, creating good artwork, how he keeps the Cradle sound intact with a rotating cast of band members, and why you shouldn't illegally download music. Senior MS Editor Anso DF stops by to bring some of the latest news stories into perspective. How do the stories of Cobalt's new lead singer, Morbid Angel's embarrassing public split and Inquisition getting picked for Knotfest all tie together? Anso helps us sort it out! Songs:Cradle of Filth - "Deflowering The Maidenhead, Displeasing The Goddess"Ramming Speed - "Don't Let This Stay Here"

L’alimentation affecte notre santé physique et mentale. Apprendre à manger d’une manière équilibrée va jouer sur notre niveau de vitalité, sur notre capacité de concentration et par extension sur la qualité de nos méditations. J’ai invité Jérémy Anso pour qu’il partage avec nous les bases d’une bonne alimentation. Il est l’auteur du blog Dur à Avaler qui en moins de 3 ans est devenu l’un des sites de référence sur la nutrition dans le monde francophone. Chaque mois, plus de 120 000 personnes visitent Dur à Avaler pour y découvrir les clefs pour une alimentation saine. Comment bien manger? Dans cet entretien Jérémy ‘ Il nous parle aussi du jeune intermittent ‘ Jérémy nous dit aussi à quoi doit ressembler votre assiette (ratio légumes / autres aliments)

Artisten Anso Lundin aka Min Stora Sorg säger själv att hon kräver mycket uppmärksamhet. Är det kanske därför hon tackat ja till att vara gäst hos Lilla LAF? Kommer hon försöka sno all hans glans? Hon har varit musiker sen hon var en tonåring. Så småningom, efter flera bandkonstellationer och europaturnéer, bestämde hon sig för att göra musik på egen hand. I oktober 2012 släppte hon sin första EP som Min Stora Sorg och sen dess har det egna musikskapandet varit i full gång. Som artist har Ann-Sofie Lundin, som hon egentligen heter, alltid varit starkt präglad av den hiphop hon lyssnade på som ung. Det är kanske inte så överraskande att hon samarbetat med bland annat rappare som Silvana Imam och Simon Emanuel. Förra året kom det första fullängdsalbumet Mvh Anso M$$ och för Lilla Al-Fadji berättar hon om vikten att jobba även visuellt som artist och att kunna förmedla en stämning som verkligen går in hos lyssnaren och varför det var avgörande för henne att ha ett artistnamn som kändes mäktigt och betydelsefullt. På ett lite mer personligt plan, har Lilla Al-Fadji fått reda på att Anso är en person som lätt blir svartsjuk samt att hon åtminstone en gång i tiden kunnat spela piano. Detta har den fläshigaste programledaren lovat att utreda närmare!

I Klassresans 33:e avsnitt får ni Ann-Sofie Lundin känd som artisten Min Stora Sorg. I ett långt och fint avsnitt om musik och klassresor. Ni får följa med på Ansos resa, där vi pratar om allt från uppväxten i Gävle, julen, att vara skilsmässobarn, musiken och debutplattan, P3 guldnomineringen för årets pop, Stjärnfamiljen och självklart snackar vi klassresor. See acast.com/privacy for privacy and opt-out information.

This week Chuck and Godless bring in MS Senior Editor Anso DF to discuss 2014's biggest news stories. Some things you might remember, others you might not; who the newsmakers were and who they should have been; and remembering several of our fallen comrades. There might be a couple of predictions for the new year packed in there too. Doc Coyle stops in to "Reject The Sickness" and tell us why Christmas Metal is total bullshit and needs to stop before it even gets into your playlist. Songs:Babymetal - "Doki Doki ☆ Morning"Dio - "God Rest Ye Merry Gentlemen"

Ice T is our special guest this week: Axl gets to chat with the actor, rapper and frontman for Bodycount, the latter of whom has their first album in eight years coming out soon. Ice and Axl talk about making the new record, the state of race in metal, working with Jamey Jasta and more. Chuck and Godless invite MetalSucks Senior Editor Anso DF to talk about upcoming changes to the site including a new feature called "Friday Five" that will debut on June 20th. We also discuss the toxicology report on Dave Brockie's death and how it made us all disappointed and sad. Songs:Body Count - "Talk Shit, Get Shot"Opeth - "Cusp of Eternity"