Podcasts about Automatic

Please support our sponsors because they make the show possible!Get Opteo for free for two months - https://opteo.com/pspJason Rothman - https://rothmanppc.com/Chris Schaeffer - https://www.chrisschaeffer.com/Links:About the Google tag - https://support.google.com/tagmanager/answer/11994839Simplifying measurement with the Google tag - https://blog.google/products/ads-commerce/simplify-measurement-with-google-tag/ Show Notes:Chris recently came across a couple of articles about the new Google tag that discuss some of the exciting changes you can take advantage of for tracking conversions. In this episode, he and Jason discuss where Google tag is available, how to set it up, and what features you can expect.(7:40) The importance of setting up conversions on new Google Ads accounts(11:05) What is changing with the new Google Tag?(14:17) Where is the New Google Tag available(18:42) Automatic event detection is coming with new Google tag(20:20) Cross domain traffic is coming with the new Google Tag(23:44) User-provided data is coming with the new Google Tag(28:33) Combining tags with the new Google Tag(33:45) Centralized sitewide tagging with the new Google Tag(35:56) Setting up conversions is easy with the new Google Tag We need your help! Please help us grow the show:If you don't mind, please leave us a rating and review where you listen to podcasts and share the show with friends because it helps us grow the show and create more content. Send us your questions here - https://paidsearchpodcast.com/contact-us/Subscribe on YouTube - https://www.youtube.com/c/ThePaidSearchPodcast First 100 Episodes - https://paidsearchpodcast.com/archive/   Adventures by A Himitsu https://soundcloud.com/a-himitsuCreative Commons — Attribution 3.0 Unported— CC BY 3.0Free Download / Stream: http://bit.ly/2Pj0MtTMusic released by Argofox https://youtu.be/8BXNwnxaVQEMusic promoted by Audio Library https://youtu.be/M 

"If I gave you $1,000 to track 3 habits for one day could you do it? Everyone knows that they could!" Martin recaps seven notable and common mistakes people make when trying to develop new habits. #1) They forget IT'S A PROCESS! Unfortunately, many believe habit tracking is an ALL or nothing proposition! "It doesn't matter if you've failed 163 times, you are experimenting—keep trying!" #2) They simply put a dot next to the habit and move on! When it comes to habit tracking, do NOT do what 99% of habit trackers recommend...simply put a dot and move on. Don't do that! Search: "P.A.R.R. Plan, Act, Record & Reassess and The Habit Factor" #3) They focus on THE NEGATIVE HABIT. Put your energy and focus into cultivating the NEW habit! Put more time and attention on the new habit that should replace the old one. #4) They do not understand what a "Tracking period" is. People do not understand the significance of "Tracking Periods" and exactly HOW LONG THEY SHOULD BE TRACKING! How long do you think you should be tracking? #5) They do not add notes to their tracking! When it comes to tracking, besides adding a dot (which is very weak), they don't add comments! Adding notes to your tracking reaffirms your commitment and your intention! #6) They think bursts of energy are important. The cultivation of habit rests upon consistency over a period of time. Daily bursts of energy do not facilitate habit development. It may feel good to give yourself many dots in one day, but it's not valuable relative to habit development. #7) They underestimate the influence that the environment has on cultivating habits.   Personal mastery is simply a one-day-at-a-time 'event'. If you can "win" today, you can do "win" tomorrow. Do that more days than not, and you'll compile a remarkable life! It begins with habit tracking the RIGHT WAY! ; ) For more info: just google P.A.R.R. and The Habit Factor!

This solocast is all about considerations for high-piled storage fire protection. We take a deep look at section 3201.3 in the International Fire Code. Don't miss this episode if you want to know what questions to ask for your next project.                                        Transverse and longitudinal flue example https://www.agcs.allianz.com/content/dam/onemarketing/agcs/agcs/pdfs-risk-advisory/tech-talks/ARC-Tech-Talk-Vol-5-Why-Rack-Flue-Spaces-Are-Important-EN.pdf            Transcript:   [00:00:00] Hello. Welcome to the solo cast of fire code tech in these episodes. It's just gonna be me, your host, Gus Gagliardi. There's gonna be a range of topics, but I'm gonna talk about specific technologies, installation, standards, codes, and how they work as well as some other interesting topics that don't neatly fit inside of the context of a normal interview. Hello. Welcome to episode 41 of the solo cast series of fire code tech. On this episode, we're talking about high piled storage. Yes. This is the second solo cast episode. That's talking about high piled storage in episode number five, we spoke about some of the preliminary fact. For analyzing a project for high piled storage requirements in this follow up solo cast, we're going to discuss what the code defines is required. Provisions for implementing a high piled storage permit and construction documents. Don't forget to subscribe. So you never miss an episode and follow us on social media. Owen. If you wanna support the podcast, please go give us a five star review. On apple podcasts, let's get into this show. So what are some important factors for analyzing your facilities? High powered storage needs. In this episode, I'm going to speak to some of the required pieces of information in the international fire code. In regards to storage, configurations and high piled storage. We're gonna be talking. The international fire code chapter 32, but more specifically section 32 0 1 0.3, construction documents. This section reads at the time of the building at. This section reads at the time of the building permit application for new structures designed to accommodate high cloud storage or for requesting a change of occupancy slash use. And at the time of application for storage permit. Plans and specifications shall be submitted for review and approval. In addition, the information required by the international building code, the storage permit submittal such shall include the information specified in this section. The construction documents shall include all of the following. So this section tells you exactly when you need to think about a high piled storage permit requesting a change of occupancy slash use at the time of application for storage permit. during the design process, new structures that are anticipating storage requirements. There are a variety of different situations in which you might be performing management of change and working on a facility with existing storage, configurations, or installing or permitting new facility. High piled storage implications. This section one more time. That's 32 0 1 0.3. Construction documents details. A good list of starting questions for a building owner. If you are a fire and life safety professional, that's trying to help them navigate the requirements in the fire code and building code in the United States. This list has 14 different items and they might not all be applicable to your project, but it is a good sanity check for you to run through these items. If you have a project that is incorporating high piled storage, or if you think. They might be near the thresholds for high piled storage. If you're not sure about what the definitions or some of the beginning terms are for high piled storage, go back and take a listen to solo cast. Number five, number one on the list in 32 0 1 0.3 is floor plan of the building showing locations and dimensions of high powered storage areas. This information is really critical because a facility can have a variety of different high pile storage areas and a mixture of commodities throughout the facilities. These areas need to be clearly marked and delineated within the facility. And it plays a huge part in understanding the severity in the specific areas of the facility by designating these different storage configurations. So you have a area in a shop where you want to store tires, but you don't want to have a fire sprinkler system with that great of density for your entire facility. Well, if you can ACC. The storage [00:05:00] configuration and provide a way to delineate in the facility like draft curtains and higher hazard sprinklers over the tire section, but lower the commodity hazard severity in the rest of the facility. Then you can manage storage in a more. Potentially cost effective way. The second factor that is listed in 32 0 3 0.1 is height of the storage usable height for each storage area is how the section defines. This point of information. There's a good reason for this information being required. The height of the storage configuration is one of the primary determinants for how severe the hazard will be and how the nature of the fire protection system demand. Number three on the list is number of tier in each rack. If applicable number four is. Commodity clearance between top of storage in the sprinkler deflect. Of each storage arrangement. This is important because there is a minimum distance from the sprinkler deflector to the top of storage. And this distance can be as low as 18 inches. And as large as I believe, three feet for storage, sprinklers, like CMSA and ES F. Storing commodities in a configuration that does not give adequate clearances something that you'll see frequently, especially in office buildings, you know, not in specific to high powered storage, but any type of storage, which obstructs clearance to the deflector of the sprinkler is an. Number five is Ile dimension of each storage array. If you're familiar with the tables in N FPA 13, that speak about the different demand requirements for storage sprinklers, you'll be aware that. The closer the aisle width, the more severe the hazard. So a four foot aisle has a larger demand than an eight foot aisle. So this is a good thing to keep in mind when analyzing your storage array. It might not be the first thing that comes to mind when you start asking questions about storage, but you should keep it in your tool. Number six is maximum pile volume for each storage or array. So there is a neat table. We talked about it a bit in episode five of the solo cast originally on high storage. So if you wanna hear a little bit more about the table in the international fire code that has different fire protection and life safety features, depending on the volume of the storage in your facility. Go check that. Number seven location and commodity classification in accordance with section 32 0 3. Commodity classification is a very intricate subject and a lot of fire protection engineers in the industry. Especially some of the professional societies will counsel engineers to not even try to classify commodities, to rely on the owner and, uh, scientists or engineers who specialize in this process to classify commodities because of the liability involved. I'm sure I will do a whole podcast about this in the future. Number eight. If commodities are encapsulated or banded. So this is a commonly missed feature for high cloud storage. Maybe you have fairly non combustible commodities, but they are stored in boxes that are encapsulated in plastic. So this can be something that will greatly increase the hazard of your commodity that you're storing. Not only is it wrapped in a petroleum product, but it is not allowing the sprinklers to discharge onto the C commodities. So it increases the hazard number nine, location of fire department access. Doors. So when you reach the high piled storage threshold, you have to have additional, uh, egress and fire department access. So this is something that they want noted on the permitting plans is do you have the fire department access required for high piled storage? Number 10 in this section is type of fire protection systems. This one's fairly explan, self explanatory, you know, do you have a storage sprinklers? Do you have advanced detection means of detection? You know, is it a what system or a dry system? Um, you need to know these factors when, uh, [00:10:00] permitting or evaluating a response to a fire. So it's a. Fire and life safety determinant to have all the information about the system available. Number 11, location of control valves, controlling main sprinkler riser valves, and in rack sprinkler riser valves. This is something they want designated on the plans. And this is important for emergency response. And with Iraq, sprinkler systems, you get a lot of extra evolving and components added. So they want this to be displayed in these construction documents, number 12 type location and specifications of smoke removal, and curtain board systems. So. The smoke removal systems are a firefighter. Feature in the facility and there are a couple of different ways you can accomplish this, um, feature you can have vis in the roof that are on fue links, or you can have a, uh, uh, Automatic or manually operated system that utilizes air handling units that are rated for the discharge of heat. He smoke. Obviously the fue links are going to be a more cost effective means to provide this smoke and heat removal. But some owners prefer to go the route of the dedicated air handling unit for the evacuation of smoke and heat. This is not for. The response to a fire. This is really for, um, post incident evacuating, fire, and smoking heat from the building. So it's a little bit of a strange requirement, but, um, good to know about, because it can be expensive if you miss this requirement and then find out that you have to incorporate roof penetrations and expensive equipment like fusible. Heat and smoke removal, vents, number 13, dimension and location of transverse and longitudinal flu spaces. So rack sprinklers are really confusing and I still don't claim to be anything close to an expert on in rack sprinklers. The, if you go take a look at NFPA 13, there are diagrams for where to locate the sprinklers. Well, in regards to the positioning of the racks and the different annual spaces in between the racks for N rack sprinklers and so transverse and longitudinal flus are. Industry terms for the different spaces length and widthwise between the racking systems. So, um, I'll try to find a snippet from NFP 13 for you to get some idea of what these spaces look like. If you don't know, but go check the show notes. Number 14 is additional information regarding the required design features, commodities storage, drain measurements, and fire protection features with the high powered storage area. Shall be provided at the time of permit, we required by the fire code official. So this is just an all encompassing note for the official being able to require and need the approval of any fire and life safety feature. They would like, um, I've worked in occupa or not occupancies, but jurisdictions like Houston, where there is a definit. Uh, emphasis on this high piled storage permit. So you want to, um, really be aware of the different jurisdictions you're working in and what kind of different permitting authorities you're going to have because they will carry much more scrutiny than some other jurisdictions. That's gonna be it for now. Thank you guys so much for listening and we'll see you next time on fire code tech. Thanks for listening. Everybody. Be sure to share the episode with a friend, if you enjoyed it, don't forget that fire protection and life safety is serious business. The views and opinions expressed on this podcast are by no means a professional consultation or a codes and standards interpretation. Be sure to contact a licensed professional. If you are getting involved with. Fire protection and or life safety. Thanks again. And we'll see you next time.    

Part 2 of our round table conversation on Financial Freedom is here! Grace, Lacy, Jessica and special guest– financial advisor, Melissa Abbott (Grace's mom!) – continue the discussion around the current financial landscape, investing, manifesting abundance, getting out of debt and the energetics of lack mentality. Walk away with concrete tips on investing, retirement and savings– plus, get an inside look at Lacy's personal investment and real estate journey. We're all in this together, so we've created a special thread in the community group where we can keep each other accountable and share resources. After you listen, comment one action step that you are going to take this month to become more financially aligned!Missed Part 1? Go back and listen to episode 208! Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast In This Episode We Talk About:Part 2 of our roundtable conversation about how to create financial freedom!Concrete tips on investing, retirement and savingsHow to get started in the stock market and maintain consistencyManifesting abundance and authenticity!Advice from Grace's mom and financial advisor Melissa AbbottMutual funds vs. ETFs, Roth vs. Traditional IRA accountsThe importance of living below your means and getting out of debtEnergetics of lack mentalityLacy's personal investment journey!How she bought her first property and gained profits from itFinding and focusing on your true passionHow to build passive income through real estate Resources: Text Us: +1-213-423-5226 - (texting is only for US, Canada, & Puerto Rico)Alexis Smart x TBM EXPANDED Flower RemedyTBM Manifestation Journal - NEW DROP AVAILABLE NOWTBM Coaching Sale is now live for the Month of August! Take $100 off with code SUMMER100In The Episode:Bon Charge - 15% off with code MAGNETICBlue Light Blocking Glasses ComputerBlue Light Blocking Glasses EveningBlue Light Blocking Clip LightBlue Light Blocking Lamp Expanded Ep 72 x Andy Mant of BLUbloxExpanded Ep. 36 x Andy Mant BLUbloxBeekeeper's Naturals - 25% off your purchase with code TBMB.Powered Super Food HoneyB.Better Cough SyrupB.Fueled Bee PollenExpanded Ep. 137 x Carly Stein of Beekeeper's Naturals Unblocked MoneyAuthentic Money Code Unblocked DI Expanded x Ep. 89: Ramit Sethi on Navigating Finances During Challenging Times Part 1Expanded x Ep. 96: Ramit Sethi on Creating Your Rich Life Part 2Ramit Sethi - I Will Teach You To Be Rich (Book)Robert Kiyosaki - Rich Dad Poor Dad (Book)Expanded x Ep. 208 - How To Create Financial Freedom Part 1 with Lacy, Jessica & GraceExpanded x Ep. 175 - Learn Your Manifestation PatterningExpanded x Ep. 157 - Best In Class: MoneyVanguardYahoo FinanceRobin Hood AppMrs. Dow JonesMint App Where To Find Us!@tobemagnetic@jessicaashleygill@agraceabbott@xoamandablairDisclaimer - This podcast is for entertainment purposes only and is not meant to be taken as direct financial advice. Please consult your own financial advisor and do your own research before making any financial decisions.Our Offerings:Looking To Start Your Membership? - Use code EXPANDED for $20 off your first month of The Pathway or $20 off any a la carte workshop.A La Carte - Not ready for a membership? Try an individual workshop with 3 months of access.The Basics Bundle - How To Manifest, Unblocked Inner Child & Unblocked ShadowUnblocked Inner Child Unblocked Shadow The Love Bundle - Unblocked Love & Relationships Reflection Mini-WorkshopUnblocked MoneyThe Pathway - 12-month all-access membership includes ALL of our a la cartes + more!How To Manifest, Unblocked Inner Child, Unblocked Shadow, The Love Bundle, Unblocked Money+ The Daily Practice includes our Deep Imagining Library with over 18+ DIs+ Unblocked Boundaries + Unblocked Full Moon+ Uplevel - 3 in 1 includes Rut, Rock Bottom & Next Level workshops+ Monthly Supported Class+ Community Group to connect with fellow manifestors+ Automatic access to any new offering or DI that becomes available as well! Free Offerings to Get You StartedThe MotivationFree Clarity Exercise - Journal prompt + 1 Deep ImaginingExpanded Podcast - Manifestation 101  SubmitSubmit to Be a Process Guest  

Yes it really did happen Dana Cortez has apologized to her husband DJ Automatic! Plus DCS talks about driving angry, The Rock wants what from Megan the Stallion and QR code tombstones. 

"Habits and goals, by design, complement each other."   Oh, the irony. When The Habit Factor® was published in 2010, the idea of using habits to achieve goals as a process for goal achievement was unheard of. The Habit Factor's subtitle demonstrates its originality at the time: An Innovative Method to Align Habits with Goals to Achieve Success. Due to its predominantly negative connotation, all of the prior goal achievement best practices excluded habit entirely. Processes like S.M.A.R.T. goals did not mention habits. Even scientific research papers that studied the relationship between habits and goals missed this important concept: The cultivation of habits, when aligned to a goal, will help you to achieve your goal more quickly. Fast forward to today, and it's almost like the exercise where 10 people line up to pass along a message. As the message moves from one person to the next, it becomes bastardized.   The same can be said for The Habit Factor's original message. Somewhere along the way, habits have somehow become "better" than goals. This is erroneous and dichotomous; they complement each other.   In this episode, MG reviews a few distinct qualities about each and how they work together. Enjoy the show! More "tweener" episodes are on the way. Stay subscribed, and be sure to check out the new YouTube Channel. Grab your H2G ALL-TIME Top Download PDF! https://podcast.thehabitfactor.com/habits-to-goals-best-practices-pdf/ It's time to make your goals "Automatic!" https://automaticgoals.com **** Feedspot's "Top 10 Habit Podcasts You Must Follow in 2021" New listeners, visit to get your free template and get up to speed immediately on the world-famous Habit Factor process! thehabitfactor.com/templates. Feel free to share the episode and leave a review on iTunes! Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh ***** Subscribe iTunes here! Subscribe: Android | RSS ***** TOOLS/BOOKS WE RECOMMEND: Bucket List PRO (iOS app) iTunes Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh The 3 C's of SucCcess (Mitch W. Steel) The Psychology of Achievement (Brian Tracy) The Power of Positive Thinking (Norman Vincent Peale) The Magic of Thinking BIG! (David Schwartz) Think & Grow Rich (Napoleon Hill) The Success Principles (Jack Canfield) Getting Things Done! (Allen's Great Book!) TRELLO! **HABIT FACTOR RESOURCES!!** The New HabitXP Planner! (FREE! The Habit Factor's Tracking Template) The Habit Factor® (website: BLOG, tips, tools, and other resources) The Habit Factor® Book (Amazon Kindle) The Pressure Paradox® Book (Amazon Kindle) The Habit Factor app (iOS, Android) The Pressure Paradox™ **WEBINARS** Get Unstuck Course  Habit Mastery: (FREE) Learn the process to Master Habit, Enhance Discipline and Strengthen Willpower: The 28-Day Breakthrough!

Despite lawmakers' decision to scrap tax relief measures in the final days of the Massachusetts legislative session, taxpayers will likely get some money back.

Photo: No known restrictions on publication. @Batchelorshow #Solomons: #PRC: Beijing's police trainers with automatic weapons. @CleoPaskal FDD https://www.abc.net.au/news/2022-08-01/china-trying-to-buy-solomon-islands-port-australia-urged-to-stop/101277348

You can find Chef Adam on Instagram @AutomticSeafood or at www.AutomaticSeafood.com Music by Suaze - You can hear more from him on iTunes and www.suaze.soundcloud.com. Follow us on Facebook,Instagram, and Tik Tok at Eating Alabama.  You can also find us at www.eatingalabama.net. Contact me by email at Nick@eatingalabama.net     

Wow! 4 years of the Expanded podcast. What a fun, growth-filled and expansive journey it's been. Today we are celebrating our anniversary with one of our audience-favorite “ask us anything” episodes! Lacy & Jessica share everything from lifestyle tips, daily routines, motherhood, manifestation, personalizing the TBM work, and more. Make sure to listen to get Lacy's read on the current manifestation energetics that we're experiencing as a collective. What was your favorite tip from the episode? Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast In This Episode We Talk About:Celebrating our 4-year podcast anniversary with another Ask Us Anything episode!Lifestyle questions from the TBM community for Lacy & JessicaDaily routines and morning rituals Current practices for motherhood, manifestation, DI work and self-helpLacy's skincare routine and product recommendations!Lacy & Jessica's current manifestation lists and their approachesUnderstanding the current manifestation energeticsBalancing motherhood with personal self-careThree keys to conscious parentingNavigating the discomfort that can come with an uplevelLacy & Jessica's tips for their past selves! Resources: Text Us: +1-213-423-5226 - (texting is only for US, Canada, & Puerto Rico)Alexis Smart x TBM EXPANDED Flower RemedyTBM Manifestation Journal - NEW DROP AVAILABLE NOWTBM Coaching Sale is now live for the Month of August! Take $100 off with code SUMMER100 In The Episode:Spirit DaughterExpanded x Ep. 128: Jill Wintersteen (Spirit Daughter) on The Astrology of 2021Forever Conscious - current astrologyBean ProtocolExpanded x Ep. 75: Healing Through Food with Nutritionist Karen HurdSun ChlorellaBeekeeper's Naturals Bee Pollen - Get 25% off your purchase with code TBMRainbo 11:11 Formula - Get 15% off with code TBM15Skin CareSoothSayer Serum - Living Libations - Get 15% off with code MAGNETIC15Open Sky Eye Serum - Get 15% off with code MAGNETIC15Bon Charge - Ice Roller - Get 15% off with code MAGNETICBon Charge - Mini Red Light Therapy Device - Get 15% off with code MAGNETICCelluma PROExpanded x Ep. 208 - How To Create Financial Freedom Part 1 with Lacy, Jessica & GraceSafe DIUnblocked DIGrace Day in Rock Bottom WorkshopDr. BeckyJuliette of the Herbs (documentary)Alexis Smart - First Aid KitBook A Session With JanelleExpanded x Ep. 193 - Finding Your Empowered Voice - The Process With JanelleExpanded x Ep. 197 - EXPLAINED Divorce and Relationships w. LMFT Janelle Nelson Where To Find Us!@tobemagnetic@jessicaashleygill Our Offerings:Looking To Start Your Membership? - Use code EXPANDED for $20 off your first month of The Pathway or $20 off any a la carte workshop.A La Carte - Not ready for a membership? Try an individual workshop with 3 months of access.The Basics Bundle - How To Manifest, Unblocked Inner Child & Unblocked ShadowUnblocked Inner Child Unblocked Shadow The Love Bundle - Unblocked Love & Relationships Reflection Mini-WorkshopUnblocked Money The Pathway - 12-month all-access membership includes ALL of our a la cartes + more!How To Manifest, Unblocked Inner Child, Unblocked Shadow, The Love Bundle, Unblocked Money+ The Daily Practice includes our Deep Imagining Library with over 18+ DIs+ Unblocked Boundaries + Unblocked Full Moon+ Uplevel - 3 in 1 includes Rut, Rock Bottom & Next Level workshops+ Monthly Supported Class+ Community Group to connect with fellow manifestors+ Automatic access to any new offering or DI that becomes available as well! Free Offerings to Get You StartedThe MotivationFree Clarity Exercise - Journal prompt + 1 Deep Imagining Expanded Podcast - Manifestation 101  SubmitSubmit to Be a Process Guest

In Episode 12, we discuss Owen's latest revelation & his development of the ultimate golf practice routine. We debate the top accessories for the golf course. We then debate whether we would be automatic on putts that are 12 feet and in OR bomb 300 yard drives. We also shoutout Jon Sherman's (Practical Golf) Four Foundations of Golf book. Social Media Twitter: @BAGsGolf Tik Tok: @BAGsGolf Instagram: @bags.golf We are sponsored by Travis Mathew. Enjoy 20% of your first order when you use our link: travismathew.pxf.io/gbVMBO We are partnered with Callaway Golf. Shop Callaway & support by the BAGs Team: https://prf.hn/l/PkYbm9p We are partnered with OGIO. Shop OGIO & support the BAGs Team: https://prf.hn/l/kgJALNb

"Automation and technologies can enable adherence, but true change happens when physicians and pharmacists work together in collaborative teams to achieve common goals: Better managed chronic conditions, fewer complications, and improved experience for patients and physicians." Tony Willoughby is a health care executive. He shares his story and discusses his KevinMD article, "Automatic refill and 90-day fill programs don't improve medication adherence." Did you enjoy today's episode? Rate and review the show so more audiences can find The Podcast by KevinMD. Subscribe on your favorite podcast app to get notified when a new episode comes out. Click here to earn 1.0 AMA PRA Category 1 CME for this episode. Also available in Category 1 CME bundles. Powered by CMEfy - a seamless way for busy clinician learners to discover Internet Point-of-Care Learning opportunities that reward AMA PRA Category 1 Credit(s)™. Learn more at about.cmefy.com/cme-info

"Everything is difficult before it is easy." ~Thomas Fuller Resistance comes in many forms. The wind is a terrific example. It turns out that without any wind trees cannot grow strong and will topple over. The same is observed in our life. If we are without resistance—if there is no pressure—how can we grow stronger? Pursing goals and ideals provides ample resistance to grow, learn and become stronger. Lifting weights, as an example, proves resistance makes us stronger. The wind offers other clues. MG happens to notice that even boats lying at anchor, FACE THE WIND. This is analogous to us facing our problems as opposed to avoiding them. Jen shares a story of finally facing a business banking issue after avoiding it for a long time. The result: She was relieved and all that anticipated pain was way overblown. She was even able to be of service to the banker. The moral of the story: Most of the time, facing our challenges is our best course of action. The wind teaches us how we can grow and become stronger! Enjoy the show! More "tweener" episodes are on the way. Stay subscribed, and be sure to check out the new YouTube Channel. Grab your H2G ALL-TIME Top Download PDF! https://podcast.thehabitfactor.com/habits-to-goals-best-practices-pdf/ It's time to make your goals "Automatic!" https://automaticgoals.com **** Feedspot's "Top 10 Habit Podcasts You Must Follow in 2021" New listeners visit to get your free template and get up to speed immediately on the world-famous habit factor process! thehabitfactor.com/templates. Feel free to share the episode and leave a review on iTunes! Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh ***** Subscribe iTunes here! Subscribe: Android | RSS ***** TOOLS/BOOKS WE RECOMMEND: Bucket List PRO (iOS app) iTunes Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh The 3 C's of SucCcess (Mitch W. Steel) The Psychology of Achievement (Brian Tracy) The Power of Positive Thinking (Norman Vincent Peale) The Magic of Thinking BIG! (David Schwartz) Think & Grow Rich (Napoleon Hill) The Success Principles (Jack Canfield) Getting Things Done! (Allen's Great Book!) TRELLO! **HABIT FACTOR RESOURCES!!** The New HabitXP Planner! (FREE! The Habit Factor's Tracking Template) The Habit Factor® (website: BLOG, tips, tools, and other resources) The Habit Factor® Book (Amazon Kindle) The Pressure Paradox® Book (Amazon Kindle) The Habit Factor app (iOS, Android) The Pressure Paradox™ **WEBINARS** Get Unstuck Course  Habit Mastery: (FREE) Learn the process to Master Habit, Enhance Discipline and Strengthen Willpower: The 28-Day Breakthrough!

Will and Chris discuss new releases by Beach Bunny, Automatic, and Kamikaze Nurse, plus a live report and bonus songs.

In part one of this two-part podcast series, Claudia Martorell and Christina Kelley discuss a host of issues that affect noncitizens who want to travel outside of the United States. The speakers address COVID-19–related concerns, including how COVID-19 restrictions impact obtaining visa stamps abroad, automatic visa revalidation, I-94 documents, and visa validity periods. Stay tuned for part two of this travel series, which will cover travel while an H-1B petition is pending, travel while in the green card process, emergency advance parole, and more.

Big question: Is salvation automatic or available? God so loved the world (John 3:16a). Believe read more... The post “Automatic or Available?” John 3:16 first appeared on Harvest Raleigh Church.

Are you planting seeds of faith or seeds of fear? When we heard there was someone who “channels christ consciousness” from our friend Elise Loehnen – we had to learn more. If your interest has been piqued too, meet today's guest Carissa Schumacher. She has the unique ability to connect with spirits, light frequencies and higher levels of consciousness– and is sharing her gifts with us on today's episode of Expanded. Strap in for a deep dive into the significance and healing powers of Yeshua, energetic forecasts for 2022 & 2023 and Lacy's consciousness journey.Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast In This Episode We Talk About:All things spirit channeling with our guest, Carissa Schumacher!Carissa's ability to connect with spirits, light frequencies and high levels of consciousnessHer neuroscience background and how that informs her workHow she initially discovered her intuitive giftsA deep dive into the significance and healing powers of YeshuaShadow and how it interacts with the egoEnergetic forecasts for 2022 & 2023Lacy's personal journey through this workChrist consciousness, transcendence, redemptionThe power of purpose, authenticity & presence! Resources: Text Us: +1-213-423-5226 - (texting is only for US, Canada, & Puerto Rico)Alexis Smart x TBM EXPANDED Flower RemedyTBM Manifestation Journal - NEW DROP AVAILABLE NOW In The Episode:BITE Toothpaste Bits - 20% off your first order with code TBMToothpaste BitsBamboo ToothbrushMouthwashDental Floss Seed- 15% off your first month's supply with code TBM15Seed DS-01™ Daily SynbioticSeed IG Post on Taking Probiotics Regularly  The Freedom Transmissions: A Pathway To Peace - Carissa Schumacher Freedom Transmissions Book WebsiteThe Spirit TransmissionsCarissa episode on Elise Loehnen's Podcast Pulling The Thread  Where To Find Carissa!The Spirit TransmissionsThe Freedom Transmissions: A Pathway To Peace - Carissa Schumacher   Our Offerings:Looking To Start Your Membership? - Use code EXPANDED for $20 off your first month of The Pathway or $20 off any a la carte workshop.A La Carte - Not ready for a membership? Try an individual workshop with 3 months of access.The Basics Bundle - How To Manifest, Unblocked Inner Child & Unblocked ShadowUnblocked Inner Child Unblocked Shadow The Love Bundle - Unblocked Love & Relationships Reflection Mini-WorkshopUnblocked Money The Pathway - 12-month all-access membership includes ALL of our a la cartes + more!How To Manifest, Unblocked Inner Child, Unblocked Shadow, The Love Bundle, Unblocked Money+ The Daily Practice includes our Deep Imagining Library with over 18+ DIs+ Unblocked Boundaries + Unblocked Full Moon+ Uplevel - 3 in 1 includes Rut, Rock Bottom & Next Level workshops+ Monthly Supported Class+ Community Group to connect with fellow manifestors+ Automatic access to any new offering or DI that becomes available as well! Free Offerings to Get You StartedThe MotivationFree Clarity Exercise - Journal prompt + 1 Deep ImaginingExpanded Podcast - Manifestation 101  SubmitSubmit to Be a Process Guest

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Photo: No known restrictions on publication. @Batchelorshow #Bots: Robot dog slings and fires an automatic weapon. Tyler Rogoway, The War Zone, The Drive https://www.thedrive.com/the-war-zone/this-submachine-gun-equipped-robot-dog-goes-full-john-wick-at-shooting-range

Interview with Soraya Alexander, COO of Classy.  We discuss the Classy State of Modern Philanthropy and dig through the data. Get the report: https://donationtrends.classy.org/    Rough Transcript   [00:00:00] George Voice Dub: I have known about this particular fundraising platform for quite some time. I'm excited to have none other than Soraya Alexander, the chief operating officer, the COO of classy. How's it going for you today ? [00:00:14] Soraya: It's going great. Thanks for having me. I'm so happy to be. Yes. [00:00:19] George: Yeah, you pop up, you know, as a definite provider of services, but also a lot of content. I see a lot of educational resources being churned out, which I, as a, as a consumer and creator myself deeply appreciate. And always I'm more interested generally in platforms that can look at their own data. [00:00:40] And so you've recently created this report, but before we get into there, how do you describe in your words, uh, what class he. [00:00:47] Soraya: We've got, um, a fancy brand proposition, but at the most basic level, we do digital fundraising for nonprofits. So the whole suite of, you know, main donation forms to events, to peer, to peer, um, anything that your donors, wherever your donors are going online, we're [00:01:03] George: It's such a competitive landscape. I, when I, you know, 12 years ago I started whole whale. I was like one thing I will never, ever do donation platforms. It just strikes me as like an impossible field to, to kind of grow in. So how has, how has it been over at classy? [00:01:19] Soraya: Oh, it's been great. So I've been a classy for four years. And I think where we get really excited is that, you know, we've got several thousand customers and they are honestly, the sector is made up of the most innovative, ambitious people. And generally. They're totally under resourced to match their ambition, right? [00:01:38] Like that is the definition of the sector. They don't have the resources. I don't know how many, how many, you know, the resources you would need to solve the world's greatest problems, but the sector definitely doesn't have them. And so we really see a lot of promise in technology overcoming that gap. [00:01:52] Like how can technology accelerate your efforts, amplify your efforts, get more fun, city, more good. Um, and so we're really not cynical about, you know, what we, what we do. We see. How technology can transform the work of the sector. So I, I completely love it. The, the pace of innovation, um, the way that we engage with donors, um, has been changing a lot. [00:02:15] So it is competitive, but that also just means we have to be better. And I think the sector deserves that. Um, so I really, it's been a lot of fun. [00:02:22] George: You know, it it's good to hear. And certainly like under resourced is the, is the sad mantra of what's going on and great that you're able to provide the sort of frictionless way to get more money into more good hands. You have come out with the state of modern philanthropy. I was hoping maybe you could pull out what that is first [00:02:45] Soraya: Yeah. Yeah. [00:02:46] George: what do, what do what's the state? [00:02:48] Are we [00:02:48] Soraya: , I don't know that I have an answer. I think, uh, optimistic is probably the one word answer. So the state of modern philanthropy is an annual report. We do it's the, the fifth year we've published it. And we would just kind of glean all of this information from all of the campaigns on the platform. [00:03:05] We would collect all of these insights around donor trends, behaviors, campaign trends, payment trends, uh, and it was just too much too much information to not share it out with the sector. We thought it could be really valuable. So, you know, this past year we saw over a billion dollars of donations. Uh, it was 12 million individual transaction events, 54,000 campaigns. [00:03:27] And so from that, you can start seeing kind of what's working. What's not how are things progressing? Um, so yeah, really happy to publish it. And it. Kind of goes hand in hand. We do several consumer surveys throughout the year as well. And so you marry up what are people saying about how they wanna give and then what actually happens on the platform and, um, you find some interesting, interesting insights. [00:03:47] So yeah, excited to kind of share some of those today, but, um, please do you know if anybody's interested, go, go through there's there's way too many insights to, to talk through. It ends up being, you know, feeling tedious, but we think that we've packaged it in a way that could be really helpful. [00:04:01] George: Yeah. And just so folks know, we'll have the link in the show notes, but I, I found it by going to donation trends dot class e.org. So that's, I think where we can find this, the looking at your executive summary, which I always appreciate. The quick summary. Tell me what I need to know before I need to know it. [00:04:19] Cuz I'm super lazy. You have that events are back. Um, so events were away, clearly events. Meaning I read this as in person fundraising events, cuz that pesky little thing called the COVID. So we're BA we're back. [00:04:35] Soraya: we're back. What, you know, so one of the things we do is because we've got kind of long term relationships with so many nonprofits, we'll only isolate to year over year performance for the same kinds of campaigns and the same kinds of organizations. So this isn't just. We started selling, you know, to a lot more organizations who are interested in events. [00:04:52] This is actual year over year performance. Um, and we saw that revenue from events group 50% year over year. So that's coming back in a big way. Uh, but it's not just coming back in person. I think people got really used to virtual. Events then got totally sick of virtual events, but they held onto some of the digital components that feel easier, more elegant, more efficient. [00:05:15] And so I kind of mentioned these consumer surveys. We did, we actually did a, a fundraiser experience report, which was a survey of donors and they talked about really. Uh, valuing when there are things like digital auctions or, you know, digital fundraisers added on to either hybrid or fully in person events. [00:05:35] So now we are seeing about half of donors say, yeah, we wanna come back to events. Events are raising a ton of money again, you know, anybody who's, um, You know, been in this ecosystem or frankly been in an airport, knows that like the in person experience is back, but that digital component is not going away. [00:05:51] It's just evolving. Uh, so that, that kind of combination we're seeing as a, as a real transformer as we go, as we go forward [00:05:59] George: And just to, to repeat the, what was the year over year increase. [00:06:03] Soraya: 50% [00:06:05] George: About a 50%. That's pretty phenomenal. And again, just the, the sample size, I think, just to confirm is the, the total over, you know, $1.1 billion that transaction, like, so of that has a huge increase. Uh, is the, is the overall amount donated on the platform also increased in that same period of time? [00:06:24] Or is it like the percent of money coming via? Makes [00:06:28] Soraya: Yeah, it's a good question. So we're definitely, um, growing and that's both growing through individual organizations who are growing, who are doing kind of really well with all these optimizations and different campaign types. And, you know, we'll talk about. Um, channel optimization and payments optimization, and then it's also growing just as our out platform grows and we're able to support nonprofits, but for events specifically, these are events that were run the year before or organizations that were with us the year before that weren't running events and what they did the next year. [00:06:56] So it's not reflective of just kind of new organizations it's truly year over year comparison. And we're seeing, um, a pretty drastic, uh, increase, which we find really encouraging. [00:07:05] George: Yeah, you read my mind. I'm like, well, wait a minute. You know, the number went up, cuz our number went up and you're like breaking news. [00:07:10] Soraya: for it. [00:07:11] George: organization's numbers go up because they got bigger. So you kind of controlled for it. Looking at the same organizations. Uh, running these events. I'm curious, are these events I R L or are they a mix? [00:07:22] Do you have that [00:07:23] Soraya: Total mix. We it's, it's a complete mix and it's even harder to what we're seeing is either even the IRL. Very few of them are strictly in person. Now, almost everybody has introduced this digital component. They've, you know, really come to understand that. Why place a geographic limitation, if you don't have to. [00:07:43] And people in the room are happy to engage online with, you know, again, things like digital auctions, so why restrict it, or even timebound auctions, there's no need to restrict it. You're raising more money. If you can kind of open the aperture and it's so easy to do now, the donors experienced with it. [00:08:00] They actually prefer it, um, based on our donor surveys. And so, uh, we see very few pure play in real life events happen. [00:08:07] George: the majority of these are non geofenced. [00:08:11] Soraya: It's it's in person events that have a digital component that has been layered on. That's a lot of what we're seeing now. [00:08:19] George: Gotcha. So there are people hanging out in person, but like, like logo, like, like I'm gonna walk around my block. I'm gonna walk around my block, like, oh, cool. [00:08:27] Soraya: of that, or even just, we're gonna have an in person gala, but our auction's not gonna be a, you know, the paddle race is gonna be ver digital now. And so if you wanna phone it in, you couldn't make the gala that night, you just really could not get outta your sweatpants. You can actually participate at alongside the people who are in the room. [00:08:42] That's a lot of, kind of what we're seeing. [00:08:44] George: Yeah, finally sweatpants for a cause I knew it was gonna come. [00:08:48] Soraya: I am behind that. Cause [00:08:49] George: What is the weirdest event you think classy has been, been parked to? [00:08:55] Soraya: Oh man. You know, I need customer permission before I can talk about some of these things. I will say the coolest one was right at the start of COVID. Do you remember, um, that Robin hood telethon in New York that had. Tina Faye crying. It had, I mean, it had everybody coming forward and really like every celebrity you can imagine coming forward to raise money, um, for all kinds of relief efforts that Robin hood was doing just at the start of COVID incredibly powerful. [00:09:21] And if you had told me that we were gonna be part of some huge telethon in, in the year, you know, 20, 20, I, I would. I wouldn't have believed it. Um, but it was a really incredible kind of moment for everybody to come together. And we were really, really proud to work with them. [00:09:37] George: I'd be so curious. I, I feel like I can just talk about this or parse this out almost in, in a lot of ways. What are the, I don't know if you have this, but what are the highest yield, um, types of events? Is it, is there a certain center, like, oh, they're running the, uh, yield walkathon or like, oh my gosh, it's the, the silent awesome pet grooming Bonanza that like really brings in the dollars. [00:10:00] Soraya: It's a great question there. It totally depends on the organization, which is a really unsatisfying answer. The one thing that I will say is completely consistent is I think sometimes event organizers. Feel like the big ask is getting people to the event, getting them to register, getting them to give again, they don't, they're, they're nervous to ask for those participants to also fundraise on their behalf. [00:10:22] When you do event with fundraising on top of it, you invite somebody to raise additionally either for, you know, uh, run, walk, ride, or even just a gala. Event volume goes through the roof, always encourage your network and your supporters to do more for your cause. It, it, that is a really transformative aspect that takes very little from you. [00:10:42] You are just activating your supporters network, um, and it's not used as much as you'd expect. And, and really that has transformative impacts on, on how much you raise. [00:10:53] George: So as I'm understanding this being explicit, that attend, but you're also fundraising. [00:10:59] Soraya: Yes. [00:11:00] George: Don't just show up, like [00:11:02] Soraya: That's right. And you think about, you know, everybody gets one more donor, you've doubled your event revenue. Like it's not hard stuff. You don't really have to ask them to become superstar fundraisers, say, Hey mom, I'm going to gala tonight. Do you wanna throw 20 bucks on top of my ticket? Um, for something that I care about your mom will. [00:11:18] Pitch in 20 bucks. Um, and that, that can really change, right? Yeah. that changes things. Um, and it's, it's very low lift. It should be no lift with the right technology. Um, and, and you don't, and, and suddenly you have all these new donors as well, suddenly mom's part of your database suddenly you can market to her and get her as a more committed donor in the long term. [00:11:36] So even outside of the event, you've expanded your network in kind of profound ways. Um, so we, we are always encouraging our, our, uh, organizations to consider. [00:11:45] George: right. Big takeaway. Everybody. Get those mom dollars. [00:11:48] Soraya: Get mom dollars. [00:11:50] George: another one we, yeah, hashtag hashtag get mom dollars. Uh, donors give more when they have choices. Can you, yeah. And other news money, money buys things. [00:12:03] Soraya: yeah, shocking. [00:12:04] George: I don't, I don't mean it that way. What does this actually mean? [00:12:07] Soraya: Well, well, so we, um, we launched a payments offering a few years ago because we heard that organizations kind of want everything consolidated. They want easier reconciliation. And so we, we launched this, this payments gateway as a, as a way to facilitate easier organization reconciliation and just reporting honestly. [00:12:28] And then we saw the light on payments and became completely obsessed with how. Offering different payment types can really transform conversion rates, donor retention rates, even dollar amounts that you're giving. And so as our payments offering expanded, we said, okay, let's layer in digital wallets, right? [00:12:46] Apple pay. Yes. You should have apple pay PayPal. Yes. You should have PayPal, Venmo, crypto ACH, which is like digital bank transfer. You start offering all these things and you see individual donation amounts go up, you see conversion rates go up, you see. Um, recurring commitments, go up, you see lifetime value of those recurring commitments extend you start adding all these things up and it starts sounding like comical numbers. [00:13:10] So I'm not even gonna share kind of some of the things we're seeing, cuz I am making our team go through and scrub it a hundred more times before I would share it with a public. But we will say, you know, a couple of the stats we saw, one time donations could increase 50% when you have payment options on there. [00:13:25] And this sounds really profound until you actually take a second and say, how do I behave as a consumer? Oh yeah. If there's apple pay, I am more likely to complete a checkout, whether it's on a eCommerce site or a nonprofit donation form. If I don't have to. Get up while I'm in my sweatpants, you know, watching the gala from home, I don't have to go up and get my, you know, find my phone and find my credit card and find whatev or sorry, find my credit card, find my laptop, whatever else. [00:13:49] So it's really intuitive when you put yourself in the mind of a consumer. Um, and yet we, you know, we still have kind of nonprofit saying, well, I've got, you know, I've got a credit card form. Like that's enough. You know, I, I have a means for a donor to check out that's actually not enough. Um, and. It's transformative when you have all of these options. [00:14:09] And it's also tragic when you think you've spent so long, getting the public to know about the cause care about the cause. Find your organization that is trying to address the cause. Get all the way to a donation form, and then still check out. Rates are. Way lower than they should be. Definitely not a hundred percent. [00:14:26] And, and you think about how much work you have done to then lose the donor at that last moment. And if it's kind of tragic, um, and that's why we've become obsessed with payments, cuz you can start bumping that number up in kind of meaningful ways. [00:14:36] George: Yeah, just to reiterate though, you're saying that the average one time donation was nearly 1.5 X more just by offering these options all in one place. That's that's amazing. I had thought prior. To this, that probably the number one piece that impacted the amount given in that first time, one time amount was the anchoring, what the prefilled amount was, [00:15:03] Soraya: Yeah. We're seeing as actual payment options. It's not just conversion rates that are impacted. It's actually the dollars that you give. [00:15:08] George: Wow. And, and you found, so you now accept crypto. [00:15:13] Soraya: We do we accept [00:15:14] George: when did that start? [00:15:16] Soraya: a couple of weeks ago. We just launched it, um, right in the middle of crypto, winter. It's you know, we'll we'll uh, [00:15:22] George: what are you guys doing? Losing [00:15:23] Soraya: I I know, come on over. No, I mean, the idea, what we've seen is the more offerings you have, we like saying that we know we have more payment options now than Amazon. Um, you know, you just, you wanna come over no matter how you wanna give, we will be there for you. [00:15:35] We will accept. We will accept any, you know, any form of [00:15:39] George: You accept all cryptocurrencies, all, all forms of all forms of the, uh, the doge. [00:15:45] Soraya: Not, not everything, but more every day. I think we just, um, announced that we, we extended to another only 10 currencies just last week. So they keep coming. Um, the capabilities keep extending, um, but very early days. [00:15:58] And I think, you know, that's the most exciting thing for us. Um, you know, we, we did. Credit card and ACH. A couple of years ago, we layered in digital wallets about six months after that, about a year ago, no, maybe eight months ago was PayPal. Uh, then Venmos two months after that crypto, you know, was just a couple of weeks ago. [00:16:16] So, uh, the velocity and the, the focus and the expansion here is, is continuing. And it's really because of that value, we see the donor engagement and the reactions and the receptivity. um, so, so no plans on, on kind of slowing down, we're running out of currencies to accept and, and payment methods to accept. [00:16:32] But, um, as long as there's more, we're gonna keep, keep exploring to create, create new things. That's it? Well, and it's fun cuz now you get to start getting, uh, really weird about thinking. Okay. What does event, you know, we're talking about hybrid events, we're talking about crypto, the future of. Uh, virtual galas where you're just auctioning NFTs, and suddenly things become really interesting is, is absolutely, you know, there are brainstorming sessions happening with some of our most innovative customers around what this can look like and how we can support it. [00:17:00] So, [00:17:01] George: Why did you choose to, uh, why did you choose to accept crypto? [00:17:04] Soraya: Um, really it's about kind of donor choice and organization choice. So our job is to be a platform that just says we can enable nonprofits to engage with our donors in any way that is meaningful to donors. And our job is to. Do a lot of kinda market assessment stay on the cutting edge of, you know, eCommerce trends, donor trends, non-profit trends and say, okay, where, where is this going? [00:17:24] Where can we get more funds to causes that need them? And then we will have, you know, we will pursue offerings in that capacity. So it was, it was kind of an easy choice from that lens. [00:17:33] George: and do you, uh, Do you have any organizations that are expressed to saying like, no, no, no. Like turn that off or I assume they have to turn on all of these things. It's not default outta the box. Right? So [00:17:45] Soraya: We do no, no, no. You have complete control over what you do, how you engage with it, what you turn on. Even at a campaign level, you can decide, you know, this one doesn't really feel right. We don't think it's the right donor base. Um, but here we would like to [00:17:56] George: But your data seems to suggest that you should check all of the boxes, like land C air, however you wanna get us there. [00:18:02] Soraya: our data strongly suggested, but this is why we release these reports. It's like, you know, we'll do the analysis. You can make the decision. The choice is yours. [00:18:11] George: I love backed insights that fly in the face of the. Common knowledge is don't offer too many choices. You're gonna overwhelm the person, keep it focused. Like, you know, you seem to be betraying the, the imutable laws of UX and, and sort of throwing all this. [00:18:28] Soraya: I'm really glad you asked that. So, um, The right options are good. And so more options means you have a higher, uh, higher chance of getting to the right one for that donor. But does that mean all the donor? All those options have to be on the table for every single experience. Absolutely not. And so you're right. [00:18:45] We actually are working on how do you get more insights around who's landing on the page and maybe you cater those options. To that person. So you can have the full suite enabled for every campaign, but based on what you know about a particular donor visitor, you can say, you know what, we're only gonna show these three options. [00:19:02] We really don't see any indication that this person would be interested in option X. So we'll just hide it on that page. So it's not, it's not live yet, but you're absolutely right. Those are, those are things we're exploring right now. [00:19:12] George: be curious. Cause you just turned this on of putting all of those together. It seems that they are they're additive and it's like in addition to not, instead of, and I wonder with something. Like crypto, which has, uh, a polarizing effect, I think in its current cycle of adoption, which is a fancy way of saying doesn't this piss off some folks potentially that are looking at ways to give, and they're like, wait a minute. [00:19:37] This organization accepts, you know, you know, climate destroying cryptocurrency, [00:19:43] Soraya: Yeah, [00:19:44] George: you all. I'm not giving to this organization. I, I wonder if that's a thought or concern. [00:19:49] Soraya: Yeah, well, the, the, the crypto argument aside, we do have kind of off offsets enabled if you want as an organization to sign up for some kind of offset program. So we do have that kind of, um, integrated as well. And then, um, I think it ends up being the, the organizations know their donor base really well, and they say, okay, um, are you choosing kind of greener crypto, you know, offerings, things like that. [00:20:12] George: Yeah. I don't know the right answer, but I do know that more is different. [00:20:16] Soraya: more, more is different, more so far is really. Um, paying off and we are testing the heck out of it. Uh, and seeing, because the second it starts not paying off we'll, you know, we'll, we'll publish that as well and, and give control to kind of moderate. [00:20:32] George: Yeah. The irony to me of also the, like the crypto argument, then we'll move on. Cuz I love rabbit holes is, is the fact that I assume that on donation. The acid is liquidated so you're not holding it. You're technically getting it outta the system and switching back to Fiat. So it's, it's kind of funny to me being like, how dare you, you know, not go green. [00:20:51] You're like, you know what we're doing? Right. We're removing liquidity from the system. You don't like, you know how this works, [00:20:57] Soraya: love, I love that we haven't even pursued that angle, but, um, [00:21:01] George: Yeah. Yeah. [00:21:03] Soraya: It is, it is, it is early days though, and you're right. And the, the, the thinking around it and just the, the process of producing it, everything is evolving so quickly. And so I think for us, it's always, how do we, how do we stay on leading edge? [00:21:16] How do we make sure that. You know, so I started my, my career in the social sector and moved into e-commerce and customer loyalty and customer engagement for the, for profit sector. And so this is kind of the best of both worlds, where I get to say, you know, I ki I have familiarity with what the sector needs and what they encounter, and I know about e-commerce and it was always, you just try to go where the, where the donor, the consumer is. [00:21:37] You try to make it as easy for them. If you just, if the goal. Make it easy for them to spend money with you, then you have to figure out that psychology and that experience, and that is your job. And so for us, that is our job on behalf of the sector that we think needs the most. And so wherever that goes, we will, we will be there. [00:21:54] George: Of working with, and also like talking to folks that have experience in the e-commerce sector, moving into the nonprofit sector. You're like, yeah, go get that money. That's how this works. That's how all of this [00:22:04] Soraya: that's it. That's the, [00:22:05] George: get the [00:22:05] Soraya: the job. That's the [00:22:07] George: overthink it. [00:22:08] Soraya: Yeah. And you have to do that in really sophisticated ways. You know, how do you do that when you're not, um, you know, how do you do that when you're talking about impact, where you're talking about long term relationships, where, you know, you have a fraction of the budget, you've gotta get even more creative and thoughtful and personalized and all these things. [00:22:24] Um, it it's so much more important. You can't just say, okay, we're running a flash sale on something and you don't have those levers. Um, and so I just, I completely love it. [00:22:31] George: We have a final point in here that fundraising among peers thrives on social media and you have this number that peer tope raise on average 3.8 times more than other time based campaigns. Can you help me parse this out? [00:22:46] Soraya: Yeah. So, um, this is really around, you know, focusing on. Campaigns that say, okay, we've got, you know, we've got an end date. If that's an event, you know, you're leading up to an event you're trying to raise money or we're raising for a particular fund. Um, this actually goes back to the events conversation we had earlier, which is just activate your donors and your supporters networks offer a way for them to fundraise on your behalf and for time-based campaigns specifically, you see almost four times more raised when you allow people to fundraise and extend what their own wallet can do, what their own contributions can do. [00:23:19] And then suddenly you also get all these new donors. Um, so I, there's no reason not to allow people to do more than what you know, they're willing to spend in that moment. Cuz they have networks who are going to listen to them. You know, this is important to you and I care about you and I feel aligned to your values and I want to support the things that you support. [00:23:39] It doesn't have to be, you know, their entire network to, for it, to be really meaningful for non. [00:23:43] George: What does this actually look like? Are you saying the organization creates this peer-to-peer fundraising campaign and then sort of enables a certain feature for social share? Explicitly says it puts it in the flow. What, what does this [00:23:56] Soraya: Yeah, what, what we are, what we are looking at. So we have, um, peer to peer capabilities, you know, like separate campaigns and we have events where you've got fundraising on top of it. Uh, so those two event types where you can say. I allow I going to enable you to set up your own fundraising page. That's what we're talking about versus just an event where you buy a ticket or just a campaign where you individually donate. [00:24:19] So we're not talking about social sharing here. That definitely has power, but when you actually encourage people to set up their own fundraising page, we see almost four times more raised. That's right. [00:24:29] George: So the individual is creating a page that they have their, like their fingerprint on under the banner of the organization. And then they're encouraged to share that page on social, check out my fundraising page, and then they post it. [00:24:41] Soraya: That's right. That's right. [00:24:44] George: Yeah. That [00:24:44] Soraya: they don't have to be great at it. You know, that's the, I think that's the compelling thing is people say, like, I don't know that I've got these power fundraisers. I think that was the point. That was really exciting to me. You don't have to have a network of pseudo development staff at your disposal. [00:24:59] You just ask your, your committed fundraisers to open up a page. They get a couple of donations and you think about right there, that's four times as much donations, you know, four times as much volume. It doesn't take long for the math to get there. And yet it feels really profound. When you say four times the amount of volume as any other campaign type. [00:25:17] Yeah. Just, just allow people to kinda help. [00:25:20] George: Yeah, it seems like in some ways you're unlocking the power law even more so where clearly. 10% of your followers, donors supporters have 90% of the potential following. There's gonna be one person in there. Who's just happens to be hyper connected. And by allowing that person encouraging that person to leverage that social network, you're, you're, uh, you're dancing in the right side of the power law. [00:25:45] Soraya: That that's it. And you, it, it really doesn't, you know, if you have really sophisticated peer to peer and event with fundraising, keep, you know, um, campaigns absolutely. That exists, but they don't always have to be that you, you know, with the right tooling, you just say, yes, this is an option. They will take it from there. [00:26:01] Um, so I, I also recognize that we're talking to development officers and development managers who are saying, I don't have a huge staff to launch all these complex campaigns. You actually don't necessarily need it. You know, tech can help you. Tech can fill in the gaps of what, you know, your staff can't do manually. [00:26:17] It should be doing that. It should help you scale. And this is one of those areas. [00:26:20] George: I love it. Anything else about the report we should [00:26:23] Soraya: So there's one piece that is a really unintuitive. Stat. And so it takes a second to parse it, but I think it's, it's fascinating when you think about it. So recurring capture rate, when you are, um, donating and you decide to become a sustaining member as opposed to a one time member. Um, let's say that's a, you know, 10 percent-ish capture rate over time. [00:26:45] When you, as a development officer, look at your transactions, this is platform wide for us. You look at all of your transactions in a month. 58% of those transactions were recurring donations. That means that they were decided to give before that month. So it's not that there's, you know, 58% of the people who come in on any given month are making a recurring gift. [00:27:04] It's that the transactions that are processed in that month, 58% of them end up being recurring gifts that have been decided before that. And so if you think about your donor outreach strategy and your engagement strategy, know that. More than half of the transactions in given month have already been committed to how are you engaging that audience? [00:27:24] So back to like the e-commerce days, we think a lot about, are you talking to your recurring donors? Are you making sure that you're, you're letting them know that ongoing impact? Are you making sure that they have opportunities to give again? Are you treating them like gym members where you're hoping they set it and forget it and you never talk to them and they just let it go forever? [00:27:41] Or are you saying we wanna make sure you understand the value of this dollar because it. It's the, it's the predominant number of transactions, even if it's not the predominant number of donors you see every month. And so we just don't want 'em to, we don't want it to become like the silent majority that you forget about and take for granted and take, you know, just assume they'll always be there. [00:28:01] They require some cultivation they require talking to, and we actually see that about a quarter of recurring donors end up giving one time gifts on top of their monthly commitment. You should absolutely be engaging with this cohort. So it it's, I know it's a little bit of a confusing stat when you say it this way, but I just think about, you know, you look at a report and you see this many times a credit card was charged in this month. [00:28:22] More than half of those cards, those donors didn't come to your site necessarily that month they had already committed. And are you thinking about them as actively as you would any other kind of cohort of donors that month and you should be? Um, so I think a lot about donor segmentation and engagement and ongoing communication, um, and how important it is. [00:28:40] George: think the only thing that stuck to my brain there was that we have reoccurring donors as a nonprofit. [00:28:46] Soraya: Yes. [00:28:46] George: According to your data. Literally one out of four of those folks will just write an extra check. If I reach out to them, [00:28:55] Soraya: Yes. [00:28:55] George: I feel like that is something that would scare the, the fundraising pants off. [00:29:01] Somebody be like, oh my gosh, don't disrupt. Leave them. Be let the money come in. Don't like piss off anybody being like, how dare you ask me for more money. I already give you the money, [00:29:12] Soraya: Yeah, no, [00:29:13] George: no, the data suggests other. [00:29:15] Soraya: the data suggests otherwise. And, and again, I think we're, we're scared because we feel like we got away with something when we got that recurring gift and like, oh my [00:29:22] George: did, you got the [00:29:23] Soraya: money. For however long. Um, but people wanna validate their decision to invest in you. They're investing in your organization and your cause and the impact you can have. [00:29:33] So the ways that you communicate that was a good investment, the way you should validate that investment and the ways that you can communicate, how much more you can do with a little kind of extra on top, that all speaks to their values and why they're with you. So it definitely shouldn't be something scary. [00:29:47] It's really powerful. Uh, donors. [00:29:50] George: That's interesting. I'm wondering, do you know your average retention for a reoccurring donor? Like that, that gift amount? I'm always. Do you get more in the one time where that, uh, that cutoff and that trade off is it depends on, you know, who, which data source you're talking to [00:30:05] Soraya: Um, I do, and I've got fresher data. That's like hot off the press as of yesterday that I won't share yet. So a few years ago we pulled it maybe two or three years ago and we found a recurring donor is five times more valuable than a one time donor. Um, we have seen that go up meaningfully, um, almost. [00:30:22] I, I shouldn't dare you, but something like almost double it's almost, it's almost, it's almost double [00:30:27] George: More. [00:30:27] Soraya: And it's because of some of the, um, capabilities that we've enhanced along those lines of, you know, through, through our payments offering, which is, you know, recurring, retry, recurring capture. [00:30:38] Automatic card. Updater the ability to engage with donors before cards expire. If, you know, if we don't think we're gonna be able to update them, there's all kinds of capabilities to allow you to extend the life of a donor. Because more often than not, you lose a recurring donor because of a payment failure, not because they're canceling. [00:30:55] And so if you can address all of those, all of those reasons, or as, you know, as much as you can, you can extend the life of a donor, um, substantially. [00:31:03] George: That makes sense. And there's also just been like technical shifts in the way some credit cards operate that even when you cancel it, if it's a preexisting payment system already in place that they maintain that while canceling any new charge. So there's like just sort of happy accident of fate [00:31:17] Soraya: Yes. That's right. Well, and the thing that I'll add is if you really can get 25% of these donors to give a gift again, why would you ever say, I want the one time, because I'm scared that this is gonna be a lower donation amount over time. Like they'll come back because you've got that consistent relationship with them. [00:31:32] And so there's just, there's all kinds of reasons why no recurring is still. Still the way to go. [00:31:38] George: Like you're living on the positive end of the hedonic treadmill, [00:31:41] Soraya: Yeah, there we go. [00:31:42] George: fancy way of saying people just get real used to what they've been doing. Right. And like, oh, you know, like life could be as good as you want, and then you get used to it. And you're like, this sucks. I want something new. So on the positive side of that, I'm used to giving my 25 or 50 bucks, whatever the number is a month. [00:31:56] Like that's what status quo is. But is that good enough? The hedonic treadmill says no. [00:32:01] Soraya: We can do more and back to payments offerings. Um, I think we saw that for ACH. Let me see it. Oh yeah. Recurring gifts. When you have all these payment offerings, recurring gifts on ACH, which is kinda direct bank transfer are 30% higher than credit card. So even that number of what [00:32:15] George: Can you say that again? I [00:32:16] Soraya: yeah. [00:32:17] A AC recurring gifts made on ACH versus credit card. It's it's like a direct bank transfer [00:32:24] George: Gotcha. So I connect my bank and then like, I'm, I'm locked in. [00:32:27] Soraya: That's right. That's about 30% larger than those made on credit card. And so back to payment offerings, when you're engaging with kind of sophisticated donors and you can actually nudge them on, you know, if you're giving, you know, these might be like, these are options for you. [00:32:42] These are recurring donors who want to give in these other, in these other ways. Uh, you can actually nudge that number up as well. And so then. You start, you start compounding all of the impacts of these little benefits and it starts to be really, um, meaningful relative to let's say a one time gift where you only have one, you know, payment offering and, um, [00:33:01] George: You also can dance. You also can dance with the fact that you don't have to pay the credit card processing fee when you use ACH. Cuz [00:33:06] Soraya: That's right. It's cheaper for the organizations. That's right. A hundred percent. Yeah. [00:33:10] George: well, awesome. I'm glad you, I'm glad you added that. That's a, another counterintuitive, but look at the data and, you know, file that away. [00:33:17] There's some real, there's some real good gems in here. Thank you for sharing [00:33:20] Soraya: we think so. Yeah. Yeah, absolutely. We're happy to do it. [00:33:24] George: Yeah. Rather than just keeping it inside. You're like, oh, here are our secrets. You you've decided to share it. I, I do. I do genuinely appreciate that. Alrighty. Are you ready for rapid fire? [00:33:35] Soraya: now let's go. [00:33:36] George: Okay. I don't know if you have much of a choice, but I always [00:33:39] Soraya: I [00:33:39] George: that because, you know, uh, you know, ask, ask permission. [00:33:44] Okay. So let's kick this off. What is one tech tool or website that you have, or your organization has started using in the last year? [00:33:51] Soraya: The calm app. It helps me at work. It helps me with everything. I know you think that's a, that's a, that's a cheating answer, but it's not mental state is everything [00:33:59] George: That's great mind achieves with the mind achieves with the body believes and strike that reverse it. Tech issues. What tech issues are you currently battling with? [00:34:08] Soraya: Data availability everywhere. And as completely as I want all the time, I don't know anybody who won't an won't have that in their answer somewhere on their list. [00:34:16] George: Yeah. What is coming in the next year that has you the most excited? [00:34:20] Soraya: we just joined forces with GoFundMe and there are. [00:34:24] George: about that. [00:34:25] Soraya: Uh, I am so excited because there are a hundred million donors on that platform who are activated and engaged and not actually affiliated with nonprofits. It's all individual acute cause giving. And if we can connect those donors who are responding in a moment to a human and say, there's also organizations fixing this issue at scale and structurally, would you like to meet them and continue this relationship? [00:34:48] I think there is so much power for organizations and that is why we did it. And I cannot wait cuz we are working on it. Right. [00:34:54] George: Might have another podcast in the future. I'm always curious about companies that, that get acquired and then I'm always watching. [00:35:02] Soraya: Uh, I am so enthralled about it. It is like the most exciting area of how do you fundamentally change the game for nonprofits operating at a very competitive market? And I think this is a really exciting one, so I would love to talk about it. [00:35:17] George: All right. We'll put, put a pin in that one. [00:35:19] Soraya: Yeah. Great. [00:35:19] George: Talk about a, can you talk about a mistake that you made earlier in your career that shapes the way you do things now? [00:35:25] Soraya: No, I never made a mistake. I'm just kidding. Um, so, uh, I have so many, um, I think one of the earlier ones was, um, I was, I was, when you're early in your career, you were kind of insecure about how little experience you have. And so you try to overcompensate with confidence and demonstrating mastery, and then you get nowhere cuz you can't actually have honest conversations. [00:35:46] You're not in a position to learn and everybody sees through it anyways. Uh, so I've completely overcome that. Like I just wanna get to good answers and better insights and I don't care who has them. It's probably not gonna be me. That sounds like such a cheesy thing to say, like once you're management, but it's absolutely true. [00:36:00] And. The faster you get over that. And you're willing to say you're willing to like really get into learning mode. Uh, the better, the better your life is the better outcomes. There are, the faster you get ahead. All the things. [00:36:10] George: believe that nonprofits can successfully go out of business. [00:36:13] Soraya: Uh, I used to work at PBS and worked at Lincoln center for a hot second. So I hope not. [00:36:17] George: If I were to throw you in the hot tub time machine, back to your start at classy, what advice would you give yourself? [00:36:25] Soraya: The impatience to be great because the sector needs it. um, just be really unapologetic about that. I think at first you're trying to kind of navigate and make sure you don't rock the boat. I'm all about rocking the boat. If it means it's better outcomes for this sector. And we are really unapologetic about that now, but it took me a little, you know, it took me a second to really own that position. [00:36:46] Um, and I would just, I would just start even faster. [00:36:48] George: is something you think you or your organization should stop doing? [00:36:52] Soraya: I have a million things I should stop doing. One of the things I'm really proud of with our organization is we definitely have a culture of, if you see something stupid and you elevate it and there's discussion and we agree it's stupid, we just stop it. We are actually like very unattached to anything because it's always been done that way. [00:37:07] Um, so I can't think of anything, not cause we haven't done stupid things, but because anything that I know about, I think we've been pretty, uh, aggressive about stopping. I think it's an important skill for any company to have. I will say that or any organization [00:37:19] George: like. [00:37:20] Soraya: it's just, it's just impatient for inefficiency and in, and, and impatience to be great. Like, I really think it comes that that seeps through the, the DNA of, of everyone. So it's not that we can fix it overnight, but if we see something we should, we need to fix or we see something dumb. Yeah. We, we, we try to jump on it. [00:37:35] George: If you had a magic wand to wave across the social impact sector, what would it do? And you can't say just generate a whole bunch of new classy users. Like I'm taking that ability off the wand and no more wishing for more wishes. I'm tired of it. We can't have it. [00:37:47] Soraya: Come on [00:37:48] George: inflation and I won't have it. [00:37:49] Hmm. [00:37:50] Soraya: um, [00:37:51] George: What is your donor [00:37:52] Soraya: Donor retention, fixed donor retention. We're trying in absence of, in absence of a magic wand, we're trying with tech, but fix the donor retention problem, because I also think that talks about are people engaged in the cause. So it's so much more than dollars. It's also about like public engagement with these causes and these missions that is required right. [00:38:09] Alongside the dollars. [00:38:11] George: right now on average 54. [00:38:12] Soraya: Um, our, you know, like our recurring donation or [00:38:15] George: No, just like overall, like, yeah, reoccurring, like I gave this year next year. What percent am I likely? [00:38:20] Soraya: Donor retention across. So there's like a bunch of ways to cut it. It's it's lower than that. Going up fast. If you adopt all of these capabilities, it kind of depends on what you adopt. Um, and it's for the base organization. [00:38:32] I think industrywide not just on classy. It's something like a fifth. I mean, it's something abysmally low. I don't know. Remember the reports are out there. Um, all of these tools we have seen kind of meaningfully increase that long lifetime value, a long retention, um, still lower than I think anybody would like it to. [00:38:49] George: Yeah. So hovers around 20% for you all, [00:38:51] Soraya: Well, not with, not with our recurring and our classy pay customers. So no that's much higher, but, um, yeah. Yeah. Mm-hmm, [00:38:57] George: Gotcha. Appreciate the sidebar. How did you get started in the social impact sector? [00:39:02] Soraya: I took a semester in college and went and worked full time at amnesty international and the refugee department in DC and loved it. And then started at a strategy communications digital agency for the social sector right after college. So early, as early as you get in my career. [00:39:18] George: What advice would you give college grads looking to enter this sector? [00:39:22] Soraya: Most entry level jobs kind of suck, but. There is always something to be learned. If you really lean in and you try to figure out who is doing interesting things, how can I be of value? How can I work a little harder? Because you get exposure to do interesting things and your job for most of your career is to gain as many experiences as you can. [00:39:40] That doesn't mean job hop. That means whatever you're doing. Try to involve yourself in as much as you can and do it really well. And it will all start coming together into something that looks like a linear career. It just takes a second. So be patient and really lean. [00:39:52] George: What advice did your parents give you that you either followed or didn't [00:39:56] Soraya: Um, I am, uh, I am a little bit intense and I am always trying to like, You know, work really hard to prepare for the next thing to, to, um, set myself up. Well, and I think when I was 15, my mom looked at me and said, you know, you're not gearing up so you can get ready. So your life starts like, this is it. This is your life. [00:40:14] And so it didn't really sit with me. Yeah, that's it. I didn't really sit with me until I had kids, but now I think about it a lot. Like this is it. If I'm not living in the moment, What am I doing back to the com app? the, the grounding efforts are, are, uh, are a dominant part of how I, how I try to operate now. [00:40:31] George: Brilliant. Last hardball question. How do people find you? How do people help you? [00:40:36] Soraya: Uh, come find me on LinkedIn. I am, uh, I am there. I would love, love to connect, go to classy.org. You can contact us there and it's still, um, you know, very accessible team. I would love to chat with anybody who is listening, who wants to learn more, definitely check out the report. But yes, I would love, um, LinkedIn is a, is a great place. [00:40:55] George: thanks for the work you do really excited also about the headways that you're making in the, the GoFundMe and helping nonprofits claim, a larger stake of that, that audience. That's [00:41:07] Soraya: Thank you so much and thanks for the work you do. Um, and I'm so happy to be here. Thanks again.

The Gemara says in Masechet Berachot if a person prayed for something and was not answered, he should go back and pray again. One might have thought that if his tefila was not answered, it means it was unsuccessful and he might as well try something else. Chazal , who know the workings of Heaven, are teaching us otherwise. Not being answered is not a signal to stop, in fact, it's just the opposite. One of the reasons prayers are not answered is because they are so beloved and Hashem wants the person to pray more, for his own good. Every tefila provides us with enormous zechut in both this world and the Next. And so, the more we are able to pray, the better off we will be. The more emotional a tefila is, the better it becomes. The more emunah we have in a tefila , the more powerful it becomes. We must constantly remind ourselves that prayer is a mitzvah like all others and the main rewards for it are in the Next World. It's nice to see the benefits in this world as well, but not seeing answers should never deter us from praying. That's just an indication of how valuable each one of our prayers really is and should prompt us to pray more. As we know, tefila could be used throughout the day to ask Hashem for help with all our needs. Even when something seems insolvable, Hashem always has the answers. Rabbi Elimelech Biderman related a story about Rav Shalom Yungerman, who regularly traveled from Israel abroad to raise money for his institutions. He used to rent a basement apartment in Borough Park, as he had to be in New York for large periods of time throughout the year. One evening, he was learning in his apartment before he had to depart for the train to go to a distant city. All of a sudden, he heard a loud thump in the courtyard right outside his apartment. He went outside to see what it was and found that someone had dumped a large carcass of a dog there. At that time, there were new laws which dealt very stringently with someone who left any kind of carcass lying around. Obviously, the owner of this dog did not want to have to deal with the penalty, so he unloaded it in this man's courtyard and ran. Now the rabbi had to go catch the train, but if he would leave the carcass in the courtyard, the authorities would surely find it and levy a heavy fine upon him. He couldn't necessarily just throw it in someone else's courtyard either. With no choice, he went out there and stuffed the carcass into his very large suitcase and put his necessary belongings for the trip in a different bag and left. It was so difficult for him to carry this suitcase and he really didn't know what he was going to do with it. The entire way to the train station, he was trying to find a discreet location to deposit in, but there was none to be found, especially since there were so many people walking the streets at that time. He turned his eyes towards Shamayim and said, “Hashem, please help me. I don't want to have to travel with this wherever I go. And very soon it's going to start smelling very bad.” Now he was at the train station, still lugging this suitcase and the train arrived. He boarded and as they were waiting for the doors to shut, two bandits ran over and snatched the suitcase and ran off the train with it right as the doors closed. This was a ploy of thieves in those days. They thought they were getting the precious belongings of a distinguished man, but little did they know the surprise they were going to find when they opened it. The Rabbi, once again, raised his eyes to Shamayim and this time he thanked Hashem for the speedy salvation, one which he could have never imagined. Hashem could always help us. Every tefila we make is potentially hastening that help. But whether we see the answers or not, every prayer is always an automatic success.

Automatic traffic lights, game changing background software and the technology that's set to drive the public transport future in Australia.  Joseph Garrone, System Architect at Tehnika joins host Scott Phillips to offer an insight into how his company helps Aussie public transport function more efficiently, and gets you where you need to go safely and quickly.  This episode was made in partnership with Dell Technologies PodFerence; a podcast conference created to share advice and inspiration to support small businesses. See omnystudio.com/listener for privacy information.

Automatic traffic lights, game changing background software and the technology that's set to drive the public transport future in Australia.  Joseph Garrone, System Architect at Tehnika joins host Scott Phillips to offer an insight into how his company helps Aussie public transport function more efficiently, and gets you where you need to go safely and quickly.  This episode was made in partnership with Dell Technologies PodFerence; a podcast conference created to share advice and inspiration to support small businesses. See omnystudio.com/listener for privacy information.

"Being off-balance is a sign to adjust, to move in the opposite direction—to regain equilibrium." Far too many Goo-Roos insist that balance is BOGUS—that BALANCE doesn't exist. What they appear to be missing is the dynamism of life. Life is hardly a static event. In fact, the very sensation that one is off-balance is proof that balance exists! The key is the awareness.The sensation of being off-balance presents an opportunity to make an adjustment. The truth is, everyone is off-balance from time to time, arguably MOST of the time. It's the adjustments that help keep one in balance and harmony. Under a deadline to complete a project, it's easy to lose balance, for example, not eat right or exercise. A 'successful' entrepreneur recently posted about his breakdown in an elevator just two years prior. His great lesson was that he was too far off-balance, taking work too seriously and not enjoying the process. Observe any tightrope walker—take a picture of them at any moment in time—and they will be off-balance. Yet, if they're good, they'lll make it to the other side. Why? Because they make adjustments along the way!   Enjoy the show! More "tweener" episodes are on the way. Stay subscribed, and be sure to check out the new YouTube Channel. Grab your H2G ALL-TIME Top Download PDF! https://podcast.thehabitfactor.com/habits-to-goals-best-practices-pdf/ It's time to make your goals "Automatic!" https://automaticgoals.com **** Feedspot's "Top 10 Habit Podcasts You Must Follow in 2021" New listeners visit to get your free template and get up to speed immediately on the world-famous habit factor process! thehabitfactor.com/templates. Feel free to share the episode and leave a review on iTunes! Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh ***** Subscribe iTunes here! Subscribe: Android | RSS ***** TOOLS/BOOKS WE RECOMMEND: Bucket List PRO (iOS app) iTunes Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh The 3 C's of SucCcess (Mitch W. Steel) The Psychology of Achievement (Brian Tracy) The Power of Positive Thinking (Norman Vincent Peale) The Magic of Thinking BIG! (David Schwartz) Think & Grow Rich (Napoleon Hill) The Success Principles (Jack Canfield) Getting Things Done! (Allen's Great Book!) TRELLO! **HABIT FACTOR RESOURCES!!** The New HabitXP Planner! (FREE! The Habit Factor's Tracking Template) The Habit Factor® (website: BLOG, tips, tools, and other resources) The Habit Factor® Book (Amazon Kindle) The Pressure Paradox® Book (Amazon Kindle) The Habit Factor app (iOS, Android) The Pressure Paradox™ **WEBINARS** Get Unstuck Course  Habit Mastery: (FREE) Learn the process to Master Habit, Enhance Discipline and Strengthen Willpower: The 28-Day Breakthrough!

In this episode, I give a brief rundown of the surrealist movement in the art and literature. The surreal is a merger of dream and reality, such that dreams can provide a source of truth and there is no longer a distinction between dreams and reality. The surrealists used Freud to justify their exploration of the unconscious and they challenged the facile order of the conscious mind characteristic of Enlightenment Reason. Automatic writing let ideas flow with moral or aesthetic concern.

Craving financial freedom but not sure how to get there? Today we're bringing you another “How To” episode where we cover investing, financial freedom, and the money/self-worth connection with Lacy, Jessica & Grace. They also cover how to spot and navigate lack (hint: almost everyone has a least a little bit of lack mentality), financial avoidance, not letting ego get in the way of economic life choices, Lacy's personal experience in transitioning from acting to being a business owner, and lots more.Happy listening

Bri makes his SEC East college football predictions (Georgia, Kentucky and Tennessee look loaded, How quickly can Billy Napier turn the Gators around?) then the guys talk SEC and re-alignment (SEC will not support automatic qualifiers for CFB playoffs.)

Clark discusses the impact of vehicle shortages & elevated costs including illegal repossessions & how to protect yourself from this, plus new ride sharing offerings. Also - Good Intentions don't lead to results. Autopilot does. Clark makes the case for automatic saving & investing, especially for those without a 401(k).  Vehicle Cost Pressures - Market Effects: Segment 1 Ask Clark: Segment 2 Automatic For The SAVINGS: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CarMax Review: 5 Things To Know Before You Buy or Sell Carvana Review: 5 Things To Know Before You Buy or Sell Vroom Review: 5 Things To Know Before You Buy or Sell Luggage Hero - Luggage Storage Near You Checking monthly statements key defense against credit card hacks How To Open a Roth IRA What Are Index Funds? What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The automatic door is a part of most peoples everyday lives, and certainly considered a convenience. But when you walk up to one does it feel magical? Futuristic? Frustrating? On this episode of The Futures Archive, Lee Moreau and Sloan Leo discuss the automatic door, and how we can design thresholds of all kinds to be inviting to all people.  With additional insights from Laurent Stalder, Bess Williamson, Wendy Ju, and David Gissen. 

Automatic and manual transmissions both have pros and cons. What are they and which one is better? Ben and Heather duke it out to determine which transmission is better. Find out the advantages and disadvantages of both and discover which style takes the crown in this automotive battle royal!

Press Play continues its second annual series, “Summer Mixtape,” which features musician interviews and custom sets from KCRW DJs. Before Bartees Strange became a musician, he worked on labor and climate movements. His new album, “Farm to Table,” focuses on the personal journey that shapes his genre-bending sound. KCRW's Dan Wilcox spins an exclusive DJ set featuring new artists: Automatic, Zenizen, Plato III, Cola, and Say She She. Plus, a 1974 classic by John Cale resonates right now.

"Today is the eight day of the month. Tomorrow is the 13th." ~Zen Koan Skills vs. habits. Habits vs. skills. What's the difference? Bound by language, experts in behavioral science tend to struggle as they attempt to delineate the two.   MG suggests these scientists are missing the most important aspect of their relationship: How similar habits and skills are! There are many favorable reasons to regard habits and skills as nearly identical.   First, it helps to remove the predominately negative connotation that habits carry. Skills are rarely, if ever, thought of as "bad" or negative. Second, it reinforces how POSITIVE HABIT BUILDING IS THE SAME AS SKILL BUILDING. This is precisely what The Habit Factor's P.A.R.R. method has taught since 2010.   When it comes to developing good habits, the same sort of desire, effort, and practice is required that skills demand. And, knowing they are nearly the same helps to highlight how ineffective "The Habit Loop" is when it comes to positive habit building. By "The four levels of competence" model, developed by Martin M. Broadwell, we can see how both habits and skill capability increases. LEVEL ONE: Unconscious Incompetence: I don't even know that tying my shoes will be helpful. LEVEL TWO: Conscious Incompetence: I've just started to learn, and I'm really struggling. LEVE THREE: Conscious Compentence: I'm much better at tying my shoes now, and it's getting easier. LEVEL FOUR:  Unconscious Compentence: The highest level: I tie my shoes without even looking or much thought! Level four is where both habits and skills share the greatest similarity and, interestingly enough, they reside in the same place in the brain!. It always takes effort and practice to develop good habits, just like it does for skills.   Enjoy the show! More "tweener" episodes are on the way. Stay subscribed, and be sure to check out the new YouTube Channel. Grab your H2G ALL-TIME Top Download PDF! https://podcast.thehabitfactor.com/habits-to-goals-best-practices-pdf/ It's time to make your goals "Automatic!" https://automaticgoals.com **** Feedspot's "Top 10 Habit Podcasts You Must Follow in 2021" New listeners visit to get your free template and get up to speed immediately on the world-famous habit factor process! thehabitfactor.com/templates. Feel free to share the episode and leave a review on iTunes! Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh ***** Subscribe iTunes here! Subscribe: Android | RSS ***** TOOLS/BOOKS WE RECOMMEND: Bucket List PRO (iOS app) iTunes Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh The 3 C's of SucCcess (Mitch W. Steel) The Psychology of Achievement (Brian Tracy) The Power of Positive Thinking (Norman Vincent Peale) The Magic of Thinking BIG! (David Schwartz) Think & Grow Rich (Napoleon Hill) The Success Principles (Jack Canfield) Getting Things Done! (Allen's Great Book!) TRELLO! **HABIT FACTOR RESOURCES!!** The New HabitXP Planner! (FREE! The Habit Factor's Tracking Template) The Habit Factor® (website: BLOG, tips, tools, and other resources) The Habit Factor® Book (Amazon Kindle) The Pressure Paradox® Book (Amazon Kindle) The Habit Factor app (iOS, Android) The Pressure Paradox™ **WEBINARS** Get Unstuck Course  Habit Mastery: (FREE) Learn the process to Master Habit, Enhance Discipline and Strengthen Willpower: The 28-Day Breakthrough!

Are you open to the possibility that you could manifest everything you want in the next year?Today's guest is the expansive Kat Norton of the TikTok account Miss Excel! She talks with Jessica about how she went from rock bottom to a thriving seven-figure business in a year, manifested her dream Sedona home, and how she navigated people-pleasing, imposter syndrome, and perfectionism in career. Kat also shares how she grew Miss Excel from a side hustle into a full-time career, being your own Expander, scarcity & lack, and being intentional about sharing on social media. Happy Manifesting

Do You Know Anyone Who Uses TikTok? Kids Are Dying Because of It! TikTok has been in the news for a lot of reasons. It is now confirmed. It is used for Chinese spy operations, but the big problem right now is the kids that are dying because of TikTok. [Automatic transcript follows] You are not alone. I'm Craig Peterson TikTok has been in the crosshairs for quite a while. This is a Chinese company. Tencent is the Chinese company that started them up and they really kind of got their foundation through what you'd call challenges probably. [00:00:37] Everybody remembers the ice bucket challenge and that ice bucket challenge was floating around. They were doing it on YouTube, TikTok everywhere, and it was to benefit really ALS. Which is absolutely kind of fantastic. And this was eight years ago, I guess. I don't know, 10 years, 2014, I think actually, uh, a long time ago. [00:01:03] I remember like it was yesterday and they raised apparently $115 million. The idea was that you would challenge someone else to do this ice bucket challenge and in, so doing, you would donate money to ALS. That is really kind of cool. What a great idea for ALS. So I would, for instance, get challenged by someone who dumped a bucket of ice water over their head. [00:01:34] To do the same and donate to ALS Lou Gehrig's disease. That's kind of cool. Obviously they're not supporting Lou Gehrigs are supporting the research and due stopping it. Right. And people did it. And as I said, $115 million later, ALS research is probably a little further along. You kind of hope so it's easy in a big organization to chew up $115 million. [00:02:00] That's for sure. But bill gates did it. Ton of celebrities did it. And ultimately people took that basic idea and, and tried to put it into other types of fundraisers. You know, that's all well and good, you know, it kind of kind of died down, uh, for a while. They did a whole bunch of other things I'm looking right now, by the way. [00:02:28] Uh, let's see. Yeah, it was ALS association. This is Wikipedia, which is, uh, sometimes to believe be believed most of the time not. And a, the ALS site was where I was quoing from before Wikipedia is saying that. There was over 220 million worldwide raised for ALS research. So it's probably the difference between worldwide and in the us. [00:02:54] So they wanted to make it kind of an annual event. It just didn't happen. And the cold water challenge. It started really in 1991. So they, they took it and they ran with it. Well, one of the things that TikTok has been doing a lot of is challenges and they they're different kinds of challenges. They have musical challenges where someone will. [00:03:20] Post, uh, some music usually by a star of some sort. And they'll go ahead and have a, maybe a dance challenge and maybe a, you know, a challenge for your kitty cat or your dog, whatever, what, whatever it might be. But it's been really good for TikTok to grow. And a lot of people are doing it. Different, crazy things that they've done. [00:03:45] You've got the gorilla glue girl. Do you remember her? she, she decided to use gorilla glue in her hair rather than I guess some sort of, uh, I don't know. Oil or something to hold her hair down. And it definitely held her hair down. She sued, she sued them. It's absolutely crazy what she did. So the gorilla glue girl, probably not really a challenge, but she, uh, this is CRA, this is when the New York post undoubtedly cemented her place on talk's most stupid Mount Rushmore. [00:04:20] Because she slathered her hair with gorilla glue and she had to go in and get it. Surgically repaired. It took four hours, $20,000 in donations came in hundreds of free air products, even a full-time agent. The DIY vampire fangs. Uh, this is crazy. This is in Halloween a couple of years ago. Super gluing costume vampire fangs to your teeth. [00:04:50] Uh, 9 million views on that one. Tooth filing. Oh, this is crazy, absolutely crazy. They I'm, I'm looking at a picture of it right now of the video, one of the videos. Anyway, anyways, it was on TikTok and, uh, you know, this is kind of the realm of toothless TikTok challenges, but. They, uh, they were attempting to fix their uneven smiles by using a nail file to sand their teeth down the incisors. [00:05:24] If they were, were a little bit too big. Oh, man, the dentist got upset about that for very good reason. You're destroying the enamel on the outside of your teeth. Irreparable damage, the face wax challenge. Oh, look at this picture. This is crazy billions of videos in counting. Uh, they they're putting wax, although wax all over people's face. [00:05:50] Oh, my goodness. So they caked the whole face, including the eyes with wax, like it's, you know, casting mold. Have you seen those things before they even have wax dip Q ticks tips stuck in their noses to get rid of those nasal hairs? Oh man. Very, very traumatic. Um, I'm not gonna talk about this one. It involves a sensitive body part, the corn cob challenge. [00:06:22] Uh, this is, uh, cons eating corn by attaching the cob. That or to a spinning drill bit. If you can believe that. Oh man, 22 hamburgers. Here's another one. The cereal challenge. Uh, a person pours milk and cereal into the open mouth of a person laying down and eats breakfast from the human bowl. Choking hazards. [00:06:50] Obviously there, the skull breaker challenge, this apparently started in Venezuela and it depicted three friends jumping next to each other as the book ending, Bud's kick in the middle guy's feet out from under him. So what ends up happening is that person crashes to the ground landing on their back, hitting. [00:07:12] The head in the process injuries reported Miami, New York, New Jersey, Arizona, uh, Dayton beach, Florida police have charged two high school teens with misdemeanor, battery and cyber bullying, Mexico. The penny challenge. Oh my gosh. Um, This involves. And I talked about this one here on the radio, too, taking a penny and putting it on a plug. [00:07:41] So you partially plug. A plug into the wall, into the socket and then you stick a penny behind it to shore out the leads. Yeah. So when the, when the penny or whatever coin you're putting in there hits those metal prongs there's sparks electrical system damage, and some cases fire, uh, them fire marshal down in, uh, one of the towns. [00:08:08] Ostro key, I guess it is in mass. Uh, has a photo of a scorched outlet in Holden. Oh, there you go. Reportedly caused by the viral prank. The Benadryl challenge, Chacha slide, pee your pants. Uh, [00:08:31] there's another one, the other side, verbal abuse challenge, mom and dads verbally abusing their kids. I color them a mistake in some cases mentioning the word abortion. Oh my goodness. Flash mobs. Uh, dipping challenge. Oh, that'll make you sweet eating and swallowing dip and the blackout challenge. That's the one we're talking about right now. [00:08:54] There there's so many of these things. If you don't know what's going on on TikTok, this is it, right. I, I just told you a bunch that are dangerous. Absolutely crazy. Nobody should be doing that sort of stuff, but they are, well, parents are saying now the TikTok failed to act after the first reported death in this blackout challenge, as you can guess, the blackout challenge is where kids black out. [00:09:25] They have to strangle themselves until they pass. This was in my emails this week, this whole thing, I've got a link to some of these articles. You'll find it@craigpeterson.com. If you didn't get it on Tuesday morning, make sure you go to Craig peterson.com and sign up right now. But parents of two girls, these are two of the seven kids that are known to have died from this blackout challenge. [00:09:53] Are suing these girls, their daughters that died were ages eight and nine nine. They're claiming according to ours, Technica that their kids became addicted to TikTok. They were fed a constant stream of seemingly harmless challenge videos, persuading them to participate and then died after attempting the blackout challenge. [00:10:22] So they're seeking damages from TikTok for the product design. Now remember TikTok, isn't the one coming up with these challenges. It's the users who are on TikTok that are coming up with them. Now TikTok did respond. He told the New York, they told the New York times the spokesperson that the, the company would not comment on continuing litigation. [00:10:45] And they also linked a prior company statement to people magazine about a 10 year old girl who also died after attempting the blackout challenge. At that time, TikTok said the disturbing challenge predated their platform and had never become a TikTok. Trend now we know TikTok just a few weeks ago. [00:11:06] Confirmed has been sending all of the videos, all of the user information, everything to China. So there you have it avoid TikTok and man, don't let your kids on it. Stick around. We'll be right back. [00:11:25] Hey, Microsoft is giving me nightmares again, and frankly, much of the cybersecurity community because of their change. They just change direction in a way that is much, much less safe. I, I don't know what's going on there. [00:11:42] We over the years have seen Microsoft be just kind of the bane of our existence. Anybody that's trying to stay secure, it's been terrible. [00:11:55] There's software, just horrible. It was not designed but frankly, find frankly. All it's just crazy. And then they brought Dave Cutler in and I worked on NT, the pre one, oh, versions, windows, NT, their new technology, which kind of underlines all of the modern versions of Microsoft windows. And what happens well, instead of doing things securely, really following in the footsteps of a. [00:12:28] Call print system, digital equipment corporation. They decided to just go completely different direction and, uh, rip things out and must make this compatible with anything that's ever been written, kind of the Intel philosophy. And by doing all of that, they lost all of the wonderful security that VMs had. [00:12:48] This operating system that Dave Cutler had kind of led up over in the deck world. we ended up with a piece of garbage, really? It was just terrible. Oh my goodness. And I I've been absolutely amazed since I got rid of bill gates and got rid of that other guy that was in there running things for a wild bomber, who was just incredibly, just terrible. [00:13:18] Uh, and they've really come a long way. Their new CEO, the last few years has done some. Wonderful things. Some really amazing things here to increase. Microsoft's not just productivity for the users, but their profitability and their cyber security, which is why now I am so. Puzzled, because one of the things that has been a killer for cybersecurity has been this whole concept that micro has Microsoft has of well had anyways of, well, let let's make it so that you can write programs and put them into this spreadsheet. [00:13:56] Visual basic visual C plus plus C. We'll make things ever so much better. And of course, what was visual basic used for in some of our word documents and our Excel documents, it was used to hack our computers. Yes, indeed. The bad guys used a programming language to cause. All kinds of havoc, who would've thought a, so Microsoft decided, well, Hey, listen, uh, we are going to turn off macros by default because they are too dangerous. [00:14:35] Boy, are they too dangerous? Whatever programming language you're using. Come on, look at Java. Java has just been a nightmare as well. Over the years for cybersecurity, it's gotten better. Of course they've tightened it. But I can remember what, 15, 20 years ago, first using Java and seeing all of the problems. [00:14:57] We still got them. I've got a new client that I've been helping. They're a startup and they are using Java for a lot of the stuff that they are writing. And it's a nightmare trying to get them to. Up to date on the Java engines that they're using and, and they're using some that have massive known vulnerabilities and that's kinda what happens with the macros. [00:15:23] It, yeah. Great. Look at, you can write files to desk. You can do all kinds of really cool things. Isn't this just wonderful. Yeah. If the whole world was kind and generous and wasn't trying to break into our computer computers. Uh it's. It's incredible. So in February, 2022, Microsoft announced a major change. [00:15:49] And it put this change in place to, as they said, combat the growing scourge of ransomware and other, uh, really malware attacks. So they're going to block the downloaded macros and office versions, going back to office 20. Team they're gonna be releasing patches for them. And you could still enable macros for these different files, PowerPoint, what, whatever you're doing here, but it's much more difficult to enable it because they are so dangerous. [00:16:24] Absolutely. Dangerous and, uh, well, we can get into all of the details behind it. You know, the zone identifier tag. And if you have an NTFS volume, it can be in there market, the web it's already used in office. They're kind of emulating what apple has been doing for quite some time in order to really try and focus you saying, Hey, listen, you downloaded that app from the internet. [00:16:50] Do you really, really. Really want to use it. Uh, you don't think this through a little bit and sure enough, you know, they decided, yeah, this is a bad idea. We can't let people just run macros willy-nilly uh, by the way, why, why were all these things happening? Well, if I was to boil it down, you probably could read between those lines. [00:17:11] When I was talking earlier really bad. Product management inside Microsoft. Now they've got some great programmers, but, uh, and some great minds there. I, I know a few people, well, I mentioned Cutler who went over there, but I know a lot of other guys that went over there to work for Microsoft, but they just don't have the product management that frankly they need to have. [00:17:35] And that is caused just all kinds of nightmares. So what's happened. Well, Microsoft made a very big announce. They have decided that they are going to let you know, nevermind. Nevermind. They have reversed course, and they're going to allow untrusted macros to be opened by default in word and other office applications. [00:18:05] So, uh, they also said here just a few days ago that, Hey, um, Um, you know, the, nevermind. We said that we are gonna allow macros, uh, just by default in everything. Um, yeah, well that that's gonna be temporary, I guess. It's, you know, temporary in passing just like inflation, right? Don't don't worry about it. Uh, nothing is here. [00:18:28] This is absolutely crazy. Make up your mind. Macros have been the bane of existence for so many. Of us cybersecurity people out there. And another thing too, that's just been really bad is their wonderful little scripting language, their, their power shell, which is being used all the time now by the bad guys to infect machines because your standard malware. [00:19:00] You know, this antivirus software that you buy, the, you know, not the really good stuff, but the stuff that you buy as a consumer would buy you'd get at staples or Walmart or online does not work against it. And again, it's just like, they're stealing again. This one's from the Unix world. We've had shells in Unix since the seventies. [00:19:25] and, uh, you know, they, they just, they do it, they do it wrong. They. And they make it, uh, just worse. I'm shaking my head. I, I, you can tell I am no Microsoft fan, right? Uh, people are using it mainly because businesses buy it. And why do businesses buy it? Because the purchasing guy. Looks for check boxes. Oh yes. [00:19:48] Microsoft windows checks all these boxes and the purchasing guy doesn't care about the user interface. The purchasing guy doesn't really care about how secure it is. It doesn't care about how Des well designed it is. It doesn't care about its network connectivity. So yeah, that's why we have so many copies of windows out there. [00:20:07] This is a sad decision blocking Microsoft office macros would do infinitely more to actually stop real threats out there than all of the Intel blogs that are out there that are telling us about the problems. I just don't get it. It's absolutely crazy. Everybody is criticizing the move that's in the cybersecurity space. [00:20:36] Bad decision again from Microsoft. So make sure your macros are turned off. You can find this article. I sent it out my show notes on Tuesday. Craig peterson.com. [00:20:52] There's been a lot of talked about Elon Musk, this whole Twitter deal. But I think everybody that I have read articles from is missing the boat here. So I'm gonna give you my view of what's happening as a business person, myself. [00:21:08] Elon Musk made a $44 billion bid to buy Twitter. You've I'm sure you've heard of this. [00:21:17] It's been talked about now for months and months and months. And I, I want to talk about what happened from my. Perspective with Elon Musk saying, no, um, this deal is over. I'm not gonna follow through on this. And again, this is my opinion. This is me doing a little bit of mind reading here of, of Elon MOS and maybe one or two of the things that. [00:21:43] That he thought about when he canceled this deal. Now, remember, initially he's put that offer out. And the Twitter board of director said, no, no, no, we're not gonna take it for whatever reason. Right. What's the real reason they might. They, they they'll say what. They want you to hear about what the reason is, but it's not necessarily the reason. [00:22:06] So initially Twitter said, no, we're not gonna do it. And then Twitter said, yeah. Okay. We'll do it because there was frankly, this is again, me, a lot of. People who were investors in Twitter that were pretty upset that this offer from Musk, that was a very good offer. He was offering more than the stock was trading for would go away. [00:22:30] They wanted it. They wanted to get out of Twitter. You know is not what you're supposed to be doing. Right. You're making money. Even if you keep your stock, you're, you're gonna be well vested. And that's what you're trying to do is make some money for yourself or your investors. So many of us have retirement money that's in the stock market. [00:22:52] Yeah. Like you haven't noticed that. Right. There's the, your retirement's gone down by 50% or more it's in the stock market. So you want the people who are running these companies to make good fiscal fiscal decisions so that your money that's invested in there, isn't going away. So you have some money for retirement. [00:23:15] So that pressure on the Twitter board is really what got them to move and say, yeah, we'll accept the offer. Now Elon Musk made that offer based on the valuation of Twitter and its stock, because really what Musk had to do is buy at least a controlling interest in Twitter stock in order to take it over. [00:23:42] So Elon's there saying, okay. I'm offering 44 billion and it is based on public information. How does this work? Public companies have to provide stockholders and investors and, and the general community out there in information about their company. So they'll have things you've probably heard terms like forward looking statements. [00:24:11] They'll say things that Elon Musk has certainly got in trouble before for saying things that weren't done through the securities and exchange commission. So, yeah. Okay, great. Uh, we're not doing, we're not doing as well as we thought we would. Uh, you know, when these companies are making announcements, the, all of these, uh, analysts are looking at what they think they're going to announce and how much of earnings per share they'll have, and whether they're gonna pay dividends. [00:24:45] You've heard about all of this. Well, one of the things that has to go into those security and exchange commission filings, the S E C is the number of actual eyeballs you have. So you see an advertisers interested in how many people are on Twitter and how many people are seeing the ads, cuz that's how they're paying. [00:25:10] Right? That's how they justify paying Twitter to run ads. Makes sense. I think, well, the same thing is true for the investors. They wanna know how many eyeballs are on there because that is what the ads are worth and based on what the ads are worth, that is exactly, uh, what we value the company had. Right? [00:25:35] So, so all of these things and of course more, but those are the core things that go into valuing a business such as Twitter. So Twitter's there, they're putting out the S E C filings and they're telling the securities and exchange commission. Yeah, we have 5% of our Twitter accounts are operated by bots as many as 5%. [00:26:04] That's what they're saying. Now various experts who have looked for the behavior, that would be a bot have said, the number may be closer to 15%. And I've even, I've heard numbers that are saying that the traffic on Twitter could be. Gen bot generated, uh, at 40 to 60% rates. So obviously you have count accounts that are bots, and then you have the traffic that they generate different numbers in both cases. [00:26:37] So you've got all of this traffic being generated by bots, and that means it's not legitimate traffic. now what's a bot, a, a bot is, and you know, I've explained this before. Apologize for people that have heard it, but a, a, a bot is a kind of a robot think of it that way. And these robots go ahead and they repost things. [00:27:06] They post things using hashtags and they're used by evil people. Uh, yeah, I I'm, I'm using that term now. Evil people, people who are trying to get you to do something and are manipulating. so very frequently, we have seen evil people out there who are trying to manipulate the value of a stock by going ahead and using their hashtag their keyword and having bots mention it thousands of times. [00:27:43] So now that keywords going up and you as a regular user on Twitter, you see that keyword, maybe you're doing some research based on that keyword. And you find that yes, indeed. Uh, these people really have, uh, got a great business and this is gonna be fantastic. So they get eyeballs. And hopefully you're clicking through to their website and maybe they're looking for investors. [00:28:10] And so you invest in them. You, you see what they're doing. So instead of getting it organically, instead of doing it the way I've done business, and my, I have a friend that says, Hey, Craig, if you were a, as unethical as these other people, like Zuckerberg, like bill gates, like so many others, if you were unethical, you'd be a billionaire too. [00:28:32] My ethics say that you should not be manipulating people, right? I, if I've got something to offer that you want great, but these bots are used for manipulation purposes only, only. So if it's 5% bots, as much as 5% Twitters has a certain value. And if it's 15%. It has a different value. And that's what Elon Musk has been saying. [00:29:03] What's the real value of Twitter. Now that it's come out, that the number of bots on Twitter is probably much higher than Twitter's been saying. While now you get the securities and exchange commission upset with you, and I bet you, there are investigations underway, criminal and otherwise against Twitter. [00:29:29] And more than we've even heard about. So Elon Musk would be a fool to buy Twitter. And when you buy a company, you inherit all of its problems, including its lawsuits and potential lawsuits. So can you imagine the tens hundreds of millions of dollars they're gonna be spent defending Twitter and its board of directors? [00:29:55] If indeed these things are true. Yeah. Hey, I've got a great article this week from the orange county register, talking about this, explaining. It all out, not as well as I did, but make sure you get my newsletter. My insider show notes, Tuesday mornings, Craig Peter son.com. [00:30:16] Our technology related businesses. Now this includes everybody from apple, all the way through, um, car manufacturers, like Ford or GM. They have a disaster scenario that we're gonna talk about right now. And hopefully it doesn't happen. [00:30:33] I have been kind of warning about this for a while. And I definitely been thinking about this for a long while and a great article that came out in nine to five Mac this week that I have a link to in my newsletter. [00:30:50] This is in my insider show notes newsletter that comes out Tuesday mornings. This is the, the same show notes that I use. For the radio show and for my radio and television appearances. So make sure you are subscribed to keep you up to date. And of course you can subscribe right@craigpeterson.com. So this is a great little article it's titled Apple's disaster scenario is a real possibility. [00:31:23] Say us and UK security services. What is the disaster scenario? It is the Chinese takeover of Taiwan, which would be very bad. We're about to explain why China, you probably have heard this before. Claims Taiwan is its own and Taiwan claims mainland China as its own, as they. Had, uh, the, the rulers, if you will, of China at the time of the communist takeover fled to Taiwan, basically a government in exile. [00:32:00] So good luck Taiwan taking over China again, that that just isn't gonna happen. But the other side really. Could happen. So the heads of both the us and UK security services gave an unprecedented warning. This is I five and FBI heads. And, uh, of course that's director Christopher Ray. They're very, very worried. [00:32:30] This is an unprecedented joint appearance in London. You probably did not hear about this anywhere else. This might be the first time you're hearing about it, but they said that China was quote the biggest long term threat to our economic and national. Security. They talked about how China's interfered in the politics, including recent elections. [00:32:55] Of course, I've talked about that here. And of course, Russia also does some of that, but China, China, excuse me, is the real threat. I five's had said that they have more than doubled the work against Chinese activity in the last three years. They're going to be doubling it again. I five is now running seven times as many investigations related to China. [00:33:21] Compared to 2018, uh, FBIs Christopher Ray warn that if China was to forcibly take Taiwan, it would represent one of the most horrific business disruptions the world has ever. Scene. And then China responded and said that the I five was trying to hype up the China threat theory, casting away imagined demon. [00:33:48] Think about what happened with the lockdown. Have you heard about any sort of shortage shortage in semiconductors in computer chip? Yeah, of course you have. We've got major automobile manufacturers that have had to shut down lines, shut down shifts because they can't get the computers to control the cars. [00:34:12] Cars are being shipped without seat heaters. They're being shipped without electric windows, even because they cannot get the chips. And that's because of a lock. Not a war, not China invading Taiwan. You see the problem is that Taiwan makes almost all of our chips that are used today in computers. and then China assembles much of the computer technology that we have today now. [00:34:49] Yes, the, the top quality, the top technology manufacturing devices for chips comes from the [00:35:01] United States, but it's sitting in Taiwan. So this becomes a very, very big problem. So let's talk about Apple's disaster scenario, cuz it's, it's absolutely horrifying because apple is hugely dependent on Taiwan. You've got the, a series M series S series chips all fabricated by TSMC that's Taiwan, semiconductor manufacturing company. [00:35:30] Almost all of the apple production takes place in the company's plants. Within Taiwan, an armed conflict would have a devastating impact on Taiwan and its people and would cause massive disruption to manufacturing operations. What kind of manufacturing? Semiconductor who needs semiconductors? Pretty much everybody in the United States. [00:35:58] Even if you are not reliant on high tech in your manufacturing, uh, you know, to include chips in your designs, which really light bulbs have computer chips in them nowadays, you are reliant on semiconductors for your manufacturing lines themselves, the controllers that are there, the robots that are. So the second point in this nine to five article is that it's inevitable that the us and most of the rest of the world would respond to the Chinese takeover of Taiwan. [00:36:36] The same way that the world has responded to the Russian invasion of Ukraine. And that is sanction. So think about that. Let's say that China just marches in and takes over. No bloodshed, no buildings destroyed no problem with shipping, but we would all implement sanctions. Now, if the sanctions are as wide ranging as the ones that have been imposed on Russia, apple could no longer give any business to Chinese companies. [00:37:14] which is where the vast majority of the apple products are manufactured. That's your iPhones, your iPads, your apple watches, your Mac, you name. The greatest volume of every apple product is assembled in China with a lot of the components made there as well and made in Taiwan. So we just cannot overlook the threat that it's posing to apple. [00:37:40] And the facts that the fact that the, uh, heads of the MI five and FBI have chosen for the first time ever to raise this scenario as a real and present danger. So it's something that's gotta be terrifying, apple senior execs. Now we've been talking about apple here, but we're really talking about every. [00:38:03] Four GM Chrysler all have parts that are coming using just in time inventory techniques from China and from Taiwan. The same thing is true for our European partners. Look at VW. They're just in time manufacturing. Also relies on Taiwan and on China for the parts to arrive just in time. Now, many parts are coming from different parts of the world. [00:38:35] Many of our companies are smartening up saying, well, maybe we don't want to make everything in China. A lot of it's moving to different parts of Southeast. and it it's helping a lot of people in Southeast Asia. Some of this stuff is actually moved from China to different countries in Africa, particularly when we're talking about textile operations. [00:39:01] but you are not gonna be able to get your windows PC either because your windows PC needs those chips, whether it's made by Dell quote unquote made by Dell, right? Who, who gets parts and they're sitting in the parts bins, and they assemble your computer for you or HP or Cisco, or whoever makes your. So this is a huge, huge deal. [00:39:28] Absolutely crazy deal. The Chinese takeover of Taiwan. And I think that this war in Ukraine that was started by Russia has been a blessing in disguise for every last one of us, because China's ambitions to take over Taiwan, I think have been stalled. because of what they have seen in Ukraine, but also because Russia is a partner with China in so many ways, China and India have been buying oil and gas from Russia at substantially discounted prices because of the Ukraine war. [00:40:13] So China doesn't want to step on Russia's foot. They have seen what the sanctions have done to Russia. In some ways they've really helped the Russian economy because now they're getting people buying rubles so that they can buy the oil from Russia instead of using the us dollar, the petrol dollar that's been in place for so long. [00:40:36] So it, you know, sanctions are a two edge sword. Ultimately I think they. Us more than they hurt Russia and they would hurt China more than they hurt us. But what we're looking at is a short period period of time, relatively speaking, transitory, that we would be hurt pretty badly because of the sanctions. [00:41:00] I mean really badly. Oh, my goodness. The things that these, uh, modern administrations have been doing, right. Oh, I wish it was, was different. Uh, let's talk a bit about the Z. He has made what a ink magazine is calling a huge mistake and ink is predicting. It really could destroy meta and Facebook. [00:41:26] Zuckerberg came out and said in public, realistically, there are probably a bunch of people at the company who should not be here. Zuckerberg said he's turning up the heat. And he's really adding some unnecessary pressure, making a bad situation, worse and prioritizing ruthlessly. As he said, with stricter management and monitoring of employee performance is moving a lot of. [00:41:57] People into second place, third place, it's prioritizing the bottom line while forgetting the people who are responsible for the company's success. So expect a real down environment as employees move, frankly, out of meta and Facebook. And then of course the whole thing that happened recently with Carol Sandberg over there a second in command. [00:42:25] I guess it's kind of a mess. Hey, visit me online. Make sure you get my newsletters. Craig Peter san.com/subscribe. [00:42:34] Facebook's about 18 years old coming on 20 Facebook has a lot of data. How much stuff have you given Facebook? You know, did you fall victim for that? Hey, upload your contacts. We'll find your friends. Well, they don't know where your data is. [00:42:51] This whole thing with Facebook has kind of exploded here lately. [00:42:56] There is an article that had appeared on a line from our friends over at, I think it was, yeah. Let me see here. Yeah. Yeah. Motherboard. I was right. And motherboards reporting that Facebook doesn't know what it does with your data or. It goes now, you know, there's always a lot of rumors about different companies and particularly when they're big company and the, the news headlines are kind of grabbing your attention. [00:43:30] And certainly Facebook can be one of those companies. So where did motherboard get this opinion about Facebook? Just being completely clueless about your personal data? well, it came from a leaked document. Yeah, exactly. So I, we find out a lot of stuff like that. Right. I used to follow a, a website about companies that were going to go under and they posted internal memos. [00:44:04] It basically got sued out of existence, but there's no way that Facebook is gonna be able to Sue this one out of existence because they are describing this as. Internally as a tsunami of privacy regulations all over the world. So of course, if you're older, we used to call those TIAL waves, but think of what the implication there is of a tsunami coming in and just overwhelming everything. [00:44:33] So Facebook internally, they, their engineers are trying to figure out, okay, so how do we deal? People's personal data. It's not categorized in ways that regulators want to control it. Now there's a huge problem right there. You've got third party data. You've got first party data. You've got sensitive categories, data. [00:44:57] They might know what religion you are, what your persuasions are in various different ways. There's a lot of things they might know about you. How are they all CATA categorized? Now we've got the European union. With their gen general data protection regulation. The GDPR we talked about when it came into effect back in 2018, and I've helped a few companies to comply with that. [00:45:22] That's not my specialty. My specialty is the cybersecurity side. But in article five, this European law mandates that personal data must be collected for specified explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes. So what that means is that every piece of data, like where you are using Facebook or your religious orientation, Can only be collected and used for a specific purpose and not reused for another purpose. [00:46:00] So there's an example here that vice is giving in past Facebook, took the phone number that users provided to protect their accounts with two factor authentication and fed it to its people, you know, feature as well as. Advertisers. Yeah. Interesting. Eh, so Gizmoto with the help of academic researchers caught Facebook doing this, and eventually the company had to stop the practice. [00:46:27] Cuz this goes back to the earlier days where Facebook would say, Hey, find out if your friends are on Facebook, upload your contacts right now. And most people. Right. What did you know back then about trying to keep your data private, to try and stop the proliferation of information about you online and nothing. [00:46:48] Right? I think I probably even uploaded it back then thinking, well, that'd be nice to see if I got friends here. We can start chatting, et cetera. Well, according to legal experts that were interviewed by motherboard who wrote this article and has a copy of the internal me, uh, memo, this European regulation specifically prohibits that kind of repurposing of your phone number of trying to put together the social graph and the leak document shows that Facebook may not even have the ability to limit. [00:47:24] how it handles users data. Now I was on a number of radio stations this week, talking about this and the example I gave, I is just look at an average business from the time it start, you know, Facebook started how right. Well, you scrape in pictures of young women off of Harvard universities. Main catalog, right. [00:47:48] Contact page, and then asking people, well, what do you think of this rate? This person rate that person and off they go, right. Trying to rate them. Yeah, yeah, yeah. All that matters to a woman, at least according to mark Zuckerberg or all that matters about a woman is how she looks. Right. Do I think she's pretty or not ridiculous what he was doing? [00:48:08] I, it just, oh, that's Zuckerberg, right? That's. Who he is not a great guy anyways. So you go from stealing pictures of young ladies asking people to rate them, putting together some class information and stuff there at Harvard, and then moving on to other universities and then opening up even wider and wider. [00:48:33] And of course, that also created demand cuz you can't get on. If you're not at one of the universities that we have set it up for. And then you continue to grow. You're adding these universities, certain you're starting to collect data and you're making more money than God. So what do you do? Well, you don't have to worry about inefficiencies. [00:48:54] I'll tell you that. Right. One thing you don't have to do is worry about, oh, GE we've got a lot of redundant work going on here. We've got a lot of teams working on basically the same thing. No, you've got more money than you can possibly shake a stick at. So now you go ahead and send that, uh, money to this group or that group. [00:49:16] And they put together all of the basic information, right. That, that they want. They are. Pulling it out of this database and that database, and they're doing some correlation writing some really cool sequel queries with some incredible joins and everything else. Right. And now that becomes part of the main code for Facebook. [00:49:38] And then Facebook goes on to the next little project and they do the same thing. Then the next project, then the next project. And then someone comes along and says, uh, Hey, we. This feature, that feature for advertisers and then in that goes, and then along comes candidate Obama. And, uh, they, one of the groups inside Facebook says, yeah, yeah, yeah, here, here we go. [00:50:03] Here's all of the information we have about everybody and it's free. Don't worry about it. Right. And then when Trump actually bought it and hired a company to try and process some of that information he got in trouble. No, no, no, but, but the Obama. The whole campaign could get access to anything they wanted to, again, because the data wasn't controlled, they had no idea who was doing what with the data. [00:50:30] And according to this internal memo, they still don't know. They don't even know if they can possibly, uh, comply with these regulations, not just in Europe, but we have regulations in pretty much all of the 50 states in the us Canada of course, has their own Australia, New Zealand think about all the places. [00:50:53] Facebook makes a lot of money. So here's a quote from that we build systems with open borders. The result of these open systems and open culture is well described with an analogy. Imagine you hold a bottle of ink in your hand, the bottle of ink is a mixture of all kinds of user data. You pour that ink into a lake of water. [00:51:15] Okay. And it flows every. The document red. Right. So how do you put that ink back in the bottle, in the right bottle? How do you organize it again? So that it only flows to the allowed places in the lake? They're totally right about that. Where did they collect it from it? Apparently they don't even know where they got some of this information. [00:51:39] This data from kind of reminds me of the no fly list. Right. You don't know you're on it and you can't get yourself off of it. Right. It is kind of crazy. So this document that we're talking about was written last year by. Privacy engineers on the ad and business product team, whose mission is to make meaningful connections between people and businesses and which quote sits at the center of a monetization strategy monetization strategy. [00:52:06] And is the engine that powers Facebook's growth. interesting, interesting problems. And, and I see this being a problem well into the future for more and more of these companies, look at Twitter as an example that we've all heard about a lot lately. And I've talked about as well along comes Elon Musk and he says, well, wait a minute now. [00:52:28] Now I can make Twitter way more profitable. We're gonna get rid of however many people it's well over a thousand, and then we are going to hire more people. We're gonna start charging. We're gonna be more efficient. You can bet all of these redundancies that are in Facebook are also there on Twitter. and Twitter also has to comply with all of these regulations that Facebook is kind of freaking out about. [00:52:56] Well, it, for really a very good reason. So this document is available to anybody who wants to look at it. I'm looking at it right now, talking about regulatory landscape and the fundamental problems Facebook's data lake. And this is a problem that most companies have not. As bad as Facebook does, but most companies, right. [00:53:21] You grow. I, I have yet to walk into a business that needs help with cybersecurity and find everything in place as it should be, because it grew organically. Right. You, you started out with a little consumer firewall, router and wifi, and then you added to it and you put a switch here and you added another switch behind that and move things around. [00:53:44] This is normal. This is not total incompetence on the part of the management, but my gosh, I don't know. Maybe they need an Elon Musk. Just straighten them out as well. Hey, stick around. I'll be right back and sign up online@craigpeterson.com. [00:54:03] Apparently looting is one of the benefits of being a Russian soldier. And according to the reports coming out of Ukraine, they've been doing it a lot, but there's a tech angle on here that is really turning the tables on these Russian looters. [00:54:20] Thanks for being with me today. I really appreciate it. And I'm honored, frankly, to be in front of this microphone. , this is really something, you know, we, we know in wars, there are people that loot and typically the various militaries try and make sure, at least recently that that looting is kept to an absolute minimum. [00:54:43] Certainly the Americans, the British, even the Nazis during world war II, the, the, uh, the socialists they're in. Germany, uh, they, they tried to stop some of the looting that was going on. I, I think that's probably a very good thing, right. Because what you end up with is just all of these locals that are just totally upset with you. [00:55:12] I found a great article on the guardian and there's a village. Had been occupied for about a month by Russian troops and the people came back, they are just shocked to see what happened. They're giving a few examples of different towns. They found that alcohol was stolen and they left empty bottles behind food rappers, cigarette butts, thrown all over the place in apartments and homes. [00:55:41] Piles of feces blocking the toilets, family photographs torn, thrown around the house. They took away all of the clothes. This is a code from one of the people, literally everything, male and female coats, boots, shirts, jackets, even my dresses and lingerie. This is really, really something. Uh, it, the Soviets didn't do this, but now Russian. [00:56:05] Military apparently does. So over the past couple of weeks, there've been reporting from numerous places where Russian troops had occupied Ukrainian territory and the guardian, which is this UK newspaper collected evidences suggests looting by Russian forces was not merely a case of a few way, word soldiers, but a systematic part of Russian military behavior across multiple towns. [00:56:32] And villages. That's absolutely amazing. Another quote here, people saw the Russian soldiers loading everything onto Euro trucks, everything they could get their hands on a dozen houses on the villages. Main street had been looted as well as the shops. Other villagers reported losing washing machines, food laptops, even as sofa, air conditioners. [00:56:56] Being shipped back, just like, you know, you might use ups here, they have their equivalent over there. A lady here who was the head teacher in the school. She came back in, of course, found her home Lood and in the head teacher's office. she found an open pair of scissors that had been jammed into a plasma screen that was left behind because if they can't steal it, they're gonna destroy it. [00:57:22] They don't only leave anything behind. They found the Russians had taken most of the computers, the projectors and other electronic equipment. It, it, it's incredible. So let's talk about the turnaround here. A little. You might have heard stories about some of these bad guys that have smashed and grabbed their way into apple stores. [00:57:42] So they get into the apple store. They grab laptops on iPads, no longer iPods, cuz they don't make those anymore. And I phones. And they take them and they run with them. Well, nowadays there's not a whole lot of use for those. Now what they have been doing, some of these bad guys is, is they take some parts and use them in stolen equipment. [00:58:09] They sell them on the used market, et cetera. But when you're talking about something specific, like an iPhone that needs specific activation. Completely different problem arises for these guys because that iPhone needs to have a SIM card in order to get onto the cell network. And it also has built in serial numbers. [00:58:32] So what happens in those cases while apple goes ahead and disables them. So as soon as they connect to the internet, let's say they put 'em on wifi. They don't get a SIM card. They don't. service from T-Mobile or Verizon or whoever it might be. So now they disconnect to the wifi and it calls home, cuz it's gonna get updates. [00:58:52] So on download stuff from the app store and they find that it's been bricked. Now you can do that with a lot of mobile device managers that are available for. All kinds of equipment nowadays, but certainly apple equipment where if a phone is lost or stolen or a laptop or other pieces of equipment, you can get on the MDM and disable it, have it remotely erased, et cetera. [00:59:18] Now, police have had some interesting problems with that. Because a bad guy might go ahead and erase a smartphone. That's in the evidence locker at the police station. So they're, they're doing things like putting them into Fairday cages or static bags or other things to try and stop that. So I think we've established here that the higher tech equipment is pretty well protected. [00:59:42] You steal it. It's not gonna do you much. Good. So one of the things the Russian stole when they were in, uh, it's called, uh, I think you pronounce it. Uh, Mela me pole, uh, which is again, a Erian city is they stole all of the equipment from a farm equipment dealership and shipped it to Chenia. Now that's according to a source in, uh, a businessman in the area that CNN is reporting on. [01:00:15] So they shipped this equipment. We're talking about combines harvesters worth 300 grand a piece. They shipped it 700 miles. and the thieves were ultimately unable to use the equipment, cuz it had been locked remotely. So think about agriculture equipment that John Deere, in this case, these pieces of equipment, they, they drive themselves. [01:00:42] It's autonomous. It goes up and down the fields. Goes any pattern that you want to it'll bring itself within a foot or an inch of your boundaries, right. Of your property being very, very efficient the whole time, whether it's planting or harvesting, et cetera. And that's just a phenomenal thing because it saves so much time for the farmer makes it easier to do the companies like John Deere. [01:01:08] Want to sell as many pieces of this equipment as they possibly can. And farming is known to be a, what not terribly profitable business. It certainly isn't like Facebook. So how can they get this expensive equipment into the hands of a lot of farmers? Well, what they do is they lease it. So you can lease the equipment through leasing company or maybe directly from the manufacturer and now you're off and running. [01:01:36] But what happens if the lease isn't paid now? It's one thing. If you don't pay your lease on a $2,000 laptop, right? They're probably not gonna come hunting for you, but when you're talking about a $300,000 harvester, they're more interested. So the leasing company. Has titled to the equipment and the leasing company can shut it off remotely. [01:02:02] Right? You see where I'm going with this so that they can get their equipment in the hands of more farmers cuz the farmers can lease it. It costs them less. They don't have to have a big cash payment. Right? You see how this all works. So when the Russian forces stole this equipment, that's valued. Total value here is about $5 million. [01:02:23] They were able to shut it all. And obviously, if you can't start the engine, because it's all shut off and it's all run by computers nowadays, and you know, there's pros and cons to that. I think there's a lot of cons, but, uh, what are you gonna do? How's that gonna work for you? Well, it. Isn't going to work for you. [01:02:44] And they were able to track it. It had GPS trackers find out exactly where it was. That's how they know it was taken to Chenia and could be controlled remotely. And in this case, how'd they control it. Well, they completely. Shut it off. Even if they sell the harvesters for spare parts, they'll learn some money, but they sure can be able to sell 'em for the 300 grand that they were actually worth. [01:03:10] Hey, stick around. We'll be right back and visit me online@craigpeterson.com. If you sign up there, you'll be able to get my insider show note. And every week I have a quick five. Training right there in your emails, Craig Peter san.com. That's S O N in case you're wondering. [01:03:36] If you've been worried about ransomware, you are right to worry. It's up. It's costly. And we're gonna talk about that right now. What are the stats? What can you do? What happens if you do get hacked? Interesting world. [01:03:51] Ransomware has been a very long running problem. I remember a client of ours, a car dealership who we had gone in. [01:04:03] We had improved all of their systems and their security and one of their. People who was actually a senior manager, ended up downloading a piece of ransomware, one of these encrypted ones and opened it up and his machine, all of a sudden TA, guess what it had ransomware on it. One of those big reds. [01:04:25] Greens that say pay up is send us this much Bitcoin. And here's our address. Right. All of that sort of stuff. And he called us up and said, what what's going on here? What happened? Well, first of all, don't bring your own machine into the office. Secondly, don't open up particularly encrypted files using the password that they gave. [01:04:48] and thirdly, we stopped it automatically. It did not spread. We were able to completely restore his computer. Now let's consider here at the consequences of what happened. So he obviously was scared. Uh, and within a matter of a couple of hours, we actually had him back to where he was and it didn't spread. [01:05:16] So the consequences there, they, they weren't that bad. But how about if it had gotten worse? How about if they ransomware. Also before it started holding his computer ransom, went out and found all of the data about their customers. Right. Would, do you think an auto dealership would love to hear that all of their customer data was stolen and released all of the personal data of all of their customers? [01:05:43] Right? Obviously not. So there's a potential cost there. And then how long do you think it would take a normal company? That thinks they have backups to get back online. Well, I can tell you it'll take quite a while because the biggest problem is most backups don't work. We have yet to go into a business that was actually doing backups that would work to help restore them. [01:06:10] And if you're interested, I can send you, I I've got something. I wrote up. Be glad to email it back to you. Uh, obviously as usual, no charge. and you'll be able to go into that and figure out what you should do. Cause I, I break it down into the different types of backups and why you might want to use them or why you might not want to use them, but ransomware. [01:06:34] Is a kind of a pernicious nasty little thing, particularly nowadays, because it's two, two factor, right. First is they've encrypted your data. You can't get to it. And then the second side of that is okay, well, I can't get to my data and now they're threatening to hold my data ransom or they'll release. So they they'll put it out there. [01:06:58] And of course, if you're in a regulated industry, which actually car dealers are because they deal with financial transactions, leases, loans, that sort of thing, uh, you can lose your license for your business. You can U lose your ability to go ahead and frankly, uh, make loans and work with financial companies and financial instruments. [01:07:22] It could be a very, very big deal. so there are a lot of potential things that can happen all the way from losing your reputation as a business or an individual losing all of the money in your operating account. And we, again, we've got a client that, uh, we picked up afterwards. That, uh, yes, indeed. They lost all of the money in their operating account. [01:07:47] And, uh, then how do you make payroll? How do you do things? Well, there's a new study that came out from checkpoint. Checkpoint is one of the original firewall companies and they had a look at ransomware. What are the costs of ransomware? Now bottom line, I'm looking at some stats here on a couple of different sites. [01:08:07] Uh, one is by the way, KTI, which is a big ransomware gang that also got hacked after they said we are going to attack anyone that. Uh, that doesn't defend Vlad's invasion of Ukraine, and then they got hacked and their information was released, but here's ransomware statistics. This is from cloud words. Uh, first of all, the largest ransom demand is $50 million. [01:08:36] And that was in 2021 to Acer big computer company. Now 37% of businesses were hit by ransomware. In 2021. This is amazing. They're they're expecting by 2031. So in about a decade, ransomware is gonna be costing about $265 billion a year. Now on average, uh, Ransomware costs businesses. 1.8, 5 million to recover from an attack. [01:09:08] Now that's obviously not a one or two person place, but think of the car dealer again, how much money are they going to make over the year or over the life of the business? Right? If you're a car dealer, you have a to print money, right? You you're selling car model or cars from manufacturer X. And now you have the right to do that and they can remove that. [01:09:31] Right? How many tens, hundreds of millions of dollars might that end up costing you? Yeah. Big deal. Total cost of ransomware last year, 20 billion. Now these are the interesting statistics here right now. So pay closer attention to this 32% of ransomware victims paid a ransom demand. So about her third paid ransom demand. [01:09:56] Last. it's it's actually down. Cuz my recollection is it used to be about 50% would pay a ransom. Now on average that one third of victims that paid a ransom only recovered 65% of their data. Now that differs from a number I've been using from the FBI. That's a little bit older that was saying it's it's a little, little better than 50%, but 65% of pain victims recovered their data. [01:10:26] Now isn't that absolutely amazing. Now 57% of companies are able to recover the data using a cloud backup. Now think about the different types of backup cloud backup is something that can work pretty well if you're a home user, but how long did it take for your system to get backed? Probably took weeks, right? [01:10:50] For a, a regular computer over a regular internet line. Now restoring from backup's gonna be faster because your down link is usually faster than your uplink. That's not true for businesses that have real internet service, like, uh, ours. It it's the same bandwidth up as it is down. But it can take again, days or weeks to try and recover your machine. [01:11:13] So it's very, very expensive. And I wish I had more time to go into this, but looking at the costs here and the fact that insurance companies are no longer paying out for a lot of these ransomware attacks, it could be incredibly expensive for you incredibly. So here you. The number one business types by industry for ransomware tax retail. [01:11:46] That makes sense. Doesn't it. Real estate. Electrical contractors, law firms and wholesale building materials. Isn't that interesting? And that's probably because none of these people are really aware, conscious of doing what, of keeping their data secure of having a good it team, a good it department. So there's your bottom line. [01:12:14] Uh, those are the guys that are getting hit. The most, the numbers are increasing dramatically and your costs are not just in the money. You might pay as a ransom. And so, as it turns out in pretty much every case prevention. Is less expensive and much better than the cure of trying to pay ransom or trying to restore from backups. [01:12:40] Hey, you're listening to Craig Peterson. You can get my weekly show notes by just going to Craig peterson.com. And I'll also send you my special report on how to do passwords stick around will be right back. [01:12:58] You know, you and I have talked about passwords before the way to generate them and how important they are. And we we'll go over that again a little bit in just a second, but there is a new standard out there that will eliminate the need for passwords. [01:13:15] Passwords are kind of an, a necessary evil, at least they have been forever. I, I remember, I think the only system I've ever really used that did not require passwords was the IBM 360. [01:13:32] Yeah, 360, you know, you punch up the cards, all of the JCL you feed the card deck in and off it goes. And does this little thing that was a different day, a different era. When I started in college in university, we. We had remote systems, timeshare systems that we could log into. And there weren't much in the line of password requirements in, but you had a username. [01:14:01] You had a simple password. And I remember one of our instructors, his name was Robert, Andrew Lang. And, uh, his password was always some sort of a combination of RA Lang. So it was always easy to guess what his, what his password was. Today, it has gotten a lot worse today. We have devices with us all of the time. [01:14:24] You might be wearing a smart watch. That requires a password. You of course probably have a smart phone. That's also maybe requiring a password, certainly after boots nowadays they use fingerprints or facial recognition, which is handy, but has its own drawbacks. But how about the websites? You're going to the systems you're using when you're at work and logging in, they all require passwords. [01:14:54] And usernames of some sort or another well, apple, Google, and Microsoft have all committed to expanding their support for a standard. That's actually been out there for, for a few years. It's called the Fido standard. And the idea behind this is that you don't have to have a password in order to log. Now that's really kind of an interesting thing, right? [01:15:22] Just looking at it because we're, we're so used to having this password only authentic. And of course the, the thing to do there is make sure you have for your password, multiple words in the password, it should really be a pass phrase. And between the words put in special characters or numbers, maybe mix. [01:15:44] Upper lowercase a little bit. In those words, those are the best passwords, you know, 20 characters, 30 characters long. And then if you have to have a pin, I typically use a 12 digit pin. And how do I remember all of these? Cuz I use a completely different password for every website and right now, Let me pull it up. [01:16:06] I'm using one password dot com's password manager. And my main password for that is about 25 characters long. And I have thirty one hundred and thirty five. Entries here in my password manager, 3,100. That is a whole lot of passwords, right? As well as, um, software licenses and a few other things in there. [01:16:34] That's how we remember them is using a password manager. One password.com is my favorite. Now, obviously I don't make any money by referring you there. I, I really do like that. Uh, some others that I've liked in the past include last pass, but they really messed. With some of their cybersecurity last year and I lost, lost my faith in it. [01:16:56] So now what they're trying to do is make these websites that we go to as well as some apps to have a consistent, secure, and passwordless sign in. and they're gonna make it available to consumers across all kinds of devices and platforms. That's why you've got apple, Google, and Microsoft all committing to it. [01:17:20] And you can bet everybody else is going to follow along because there's hundreds of other companies that have decided they're gonna work with the Fido Alliance and they're gonna create this passwordless future. Which I like this idea. So how does this work? Well, basically you need to have a smartphone. [01:17:39] This is, I'm just gonna go with the most standard way that this is going to work here in the future. And you can then have a, a. Pass key. This is kind of like a multifactor authentication or two factor authentication. So for instance, right now, when I sign into a website online, I'm giving a username, I'm giving a password and then it comes up and it asks me for a code. [01:18:03] So I enter an a six digit code and that code changes every 30 seconds. And again, I use my password manager from one password dot. In order to generate that code. So that's how I log into Microsoft sites and Google sites and all kinds of sites out there. So it's kind of a similar thing here now for the sites for my company, because we do cyber security for businesses, including regulated businesses. [01:18:31] We have biometrics tied in as. so to log into our systems, I have to have a username. I have to have a password. Uh, I then am sent to a single sign on page where I have to have a message sent to my smart device. That then has a special app that uses biometrics either a face ID or a fingerprint to verify who I am. [01:18:56] So, yeah, there's a lot there, but I have to protect my customer's data. Something that very, very few it's crazy. Um, actual so-called managed security services providers do, but it's important, right? By the way, if you want my password. Special report, just go to Craig peterson.com. Sign up for my email list. [01:19:21] I'll send that to you. That's what we're sending out right now for anyone who signs up new@craigpeterson.com. And if you'd like a copy of it and you're already on the list, just go ahead and email me M E. At Craig peterson.com and ask for the password special report where I go through a lot of this sort of thing. [01:19:39] So what will happen with this is you go to a website and it might come up with a QR code. So you then scan that QR code with your phone and verify it, authorize it on your phone. You might again have it set up so that your phone requires a facial recognition or perhaps it'll require a fingerprint. And now you are in. [01:20:02] Which is very cool. They fix some security problems in Fido over the last few years, which is great over the coming year. You're g

Hello and welcome to Bitcoin.Review Episode 02! I Scratched my own itch with Episode 01, so this will keep going as my best efforts place to talk about Bitcoin Project software updates and some other commentary that I find interesting or noteworthy to me. I also would like to invite you to send Bitcoin related questions, just go to bitcoin.review and click submit story at the top right. This week I have Justin Moon and Matt Odell helping me read the list. Listen to the Episodes Listen on Spotify or Listen on Apple Learn how this started on Episode 01 Episode 02 Software Releases and Project Updates BTCPayServer 1.6 => 1.6.1 Vulnerability disclosed via CVE and fixed Lightning dashboard ⚡️ Invoice receipts

Over 10% of all passenger cars sold in India had some form of automatic transmission or another. But all automatics are not created equal. ----more---- https://theprint.in/opinion/dashboard/amt-imt-cvt-dct-why-you-must-know-your-automatic-car-before-you-buy-one/1036161/ 

Fearing automatic sexual thoughts is not a fun way to live your precious life. If you're afraid you'll have a reaction you don't want, or that you'll freak out when it happens, you're in the right place. The truth is this is a completely normal part of our human experience, and this week, I'm showing you how to shift your experience of your automatic sexual thoughts.     Get full show notes and more information here: https://www.sarabrewer.com/blog/automatic-sexual-thoughts

"Awareness is like the sun. When it shines on things they are transformed." ~Thich Naht Hanh In a universe comprised of energy, it's impossible to extract negativity. So, what is it's value? It turns out, negativity has tremendous value. Within medicine for instance, a negative Covid-19 test is very positive. Science experiments with negative results bring the scientist closer to a correct solution. Negativity can be problematic in relationships. Most humans tend to gravitate toward positive, kind and loving relationships. Even though people who are negative may be smarter or funnier, they are often cynical and pessimistic. Too much negativity leads one toward isolation and loneliness. With a little awareness and effort, like tracking new positive habits, a negative personality can become more positive. Enjoy the show! More "tweener" episodes are on the way. Stay subscribed, and be sure to check out the new YouTube Channel. Grab your H2G ALL-TIME Top Download PDF! https://podcast.thehabitfactor.com/habits-to-goals-best-practices-pdf/ Enjoy! Note: The very best way to get up to speed on The Habit Factor's world-famous methodology is to check out AUTOMATIC GOALS! just $27, promotional pricing! Enjoy the episode! It's time to make your goals "Automatic!" https://automaticgoals.com **** Feedspot's "Top 10 Habit Podcasts You Must Follow in 2021" New listeners visit to get your free template and get up to speed immediately on the world-famous habit factor process! thehabitfactor.com/templates. Feel free to share the episode and leave a review on iTunes! Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh ***** Subscribe iTunes here! Subscribe: Android | RSS ***** TOOLS/BOOKS WE RECOMMEND: Bucket List PRO (iOS app) iTunes Grab your FREE copy of As a Man Thinketh (PDF) right here: As a Man Thinketh The 3 C's of SucCcess (Mitch W. Steel) The Psychology of Achievement (Brian Tracy) The Power of Positive Thinking (Norman Vincent Peale) The Magic of Thinking BIG! (David Schwartz) Think & Grow Rich (Napoleon Hill) The Success Principles (Jack Canfield) Getting Things Done! (Allen's Great Book!) TRELLO! **HABIT FACTOR RESOURCES!!** The New HabitXP Planner! (FREE! The Habit Factor's Tracking Template) The Habit Factor® (website: BLOG, tips, tools, and other resources) The Habit Factor® Book (Amazon Kindle) The Pressure Paradox® Book (Amazon Kindle) The Habit Factor app (iOS, Android) The Pressure Paradox™ **WEBINARS** Get Unstuck Course  Habit Mastery: (FREE) Learn the process to Master Habit, Enhance Discipline and Strengthen Willpower: The 28-Day Breakthrough!

1. TikTok Launches Free Marketing Education Series For SMBs - TikTok is launching a new initiative to help small businesses learn the key tips and tricks to maximizing their success on the platform. Called ‘Follow Me', the new, free education program will include a range of expert tips and insights to help refine and improve your TikTok marketing approach. The six-week, email-based series will provide an overview of key best practice notes, including how to set up a free Business Account, how to use TikTok's Creative Center for content inspiration, and explainers on TikTok's Ads Manager and other promotion features.You can sign up for TikTok's ‘Follow Me' course here.2. Pinterest Doubles Down On Shopping - This week Pinterest introduced three new merchant features to help retailers promote their stores.  Product Tagging on Pins - allows businesses to make their pins shoppable so that customers can click and buy directly from the app. In early experiments, Pinterest found that product Pins labeled in scenes had a 70% higher intent than isolated product photo Pins. Video in Catalog - Video ads allow merchants to show additional angles of their products to further drive conversions. In early studies, compared to static images, video ad formats raised click-through-rate by 158 percent, decreased cost-per-click by 42 percent, and increased cost-per-acquisition by 58 percent. Shop Tab on Business Profiles - In order to make it simple for customers to identify and view shoppable products, merchants will be able to prominently display a Shop button on their business profiles. About 30% of the first credited sales made by merchants in early tests came through the Shop tab. 3. Google Ads Relocated Diagnostic Insights To Overview Page - Google Ads has moved the diagnostic insights which was launched in April 2022, to the Insights and Overview page of the ad console. Diagnostic insights help you identify common reasons why your campaign may not be serving or getting conversions. Google announced this saying the reason they added this was because "it can be difficult to identify and troubleshoot these issues in a timely fashion."The diagnostic insights will indicate when a campaign's ads aren't running because, among other diagnostic checks, all ad groups are paused, an account has been suspended, or the Ad Strength is too low. In addition, they can automatically identify issues that range from ad policy, billing, budget, bids, and more.4. Google Adds Feature To Exclude Locations In Performance Max Campaigns - “In campaign settings under “Location options,” advertisers will now find the ability to target based on physical “Presence” or “Presence or interest”. For Performance Max campaigns for online sales with a product feed, we'll also be adding advanced location exclusions for “Presence” or “Presence or interest” similar to what is available in Smart Shopping campaigns today,” a Google representative tweeted.Hopefully this feature will help removing all of the junk traffic we're seeing when we are running Performance Max Campaigns.5. Microsoft Launches Auto-Updates For Shopping Campaigns - Two new updates for Microsoft Shopping Campaigns to help you deliver better customer experience and increase your sales. They are: Automatic item update - Microsoft Merchant Center will crawl advertisers' websites, gathering price and availability data for the products offered. If a price change or availability issue is detected (e.g., if an item is out of stock), the product information will be updated in your ads. You can opt-out of auto-updates by navigating to the Automatic Updates tab under Settings in your Merchant Center account. Keep in mind that if your products are not up to date, your ads may be disapproved. Automated coupons through Merchant Promotions - This is attractive for online stores looking to expand their reach and capture new customers. Because it will allow advertisers to promote products directly from the Microsoft Shopping Campaigns inventory with special offer tags. The tags will appear at the bottom of the product listing and will display a “special offer” link. Microsoft will use crawled data gathered directly from the advertisers' website to automatically create the Merchant Promotions. Microsoft says the automated coupons will only apply to store-wide promotions, not individual products.However, you should be aware of automatic features and ensure that the correct information is being captured and relayed to potential buyers.You can read the announcement from Microsoft here. For more detailed information, check out the Automatic item update help page and the Merchant Promotions help page.6. Google Merchant Center Adds Auto-Tagging For All Free Listings Across All Of Google - You can now use auto-tagging to view conversions for all free listings and free local listings experiences on Google. Previously, auto-tagging was only available for listings in the Shopping tab. What is auto-tagging and how does it work? When a searcher clicks on your free product listing and free local product listing in Google Search, then auto-tagging adds a parameter called “result id” to the URL. For example, if someone clicks on your free listing for www.example.com, the final URL will look like www.example.com/?srsltid=123xyz. The result id is created at the time of an impression. In the future, if the same user clicks the same free listing or free local listing again, the same result id will be used. That is then tracked through to your analytics tools for deeper analytical purposes, including tracking conversions and purchases.P.S: Auto-tagging is not turned on by default and has to be enabled at the Merchant Center account by an admin.7. Google Updates Requirements For Course Structured Data - Google revised the requirements for appearing in the Course rich results using structured data. To be qualified for the Course Rich result, you must add three courses. Previously, this requirement was not explicitly specified. If the requirements are not met, you might not be eligible for the rich result.Students may find the courses they're looking for in the rich results produced about by educational course search queries as long as you adhere to the Google Search Central structured data guidelines and requirements for the Course structured data, and everyone wins.8. Google Search Console Insights Now Supports Google Analytics 4 - Search Console Insights gives you a comprehensive insight of how people find your content online by combining data from Search Console and Google Analytics. It helps you answer these types of questions: What are your best performing pieces of content?  How are your new pieces of content performing?  How do people discover your content across the web?  What people search for on Google before they visit your content?  Which article refers users to your website and content? However, up until now, Search Console did not support GA-4. This was a challenge since Google will stop supporting GA-3 next year. 9. Google Launches A Landing Page With A Timeline Of Major Ranking Updates - Want to stay on top of all the major Ranking updates that Google considers important for Website owners? Well now you can through the recent major algorithm page at https://developers.google.com/search/updates/ranking.The new page contains updates that Google has confirmed since January 2020, listed in chronological order.

The Automatic Life When you as a believer become SPIRIT-FILLED, your ENTIRE life falls into an AUTOMATIC nature! EVERYTHING that you do is according to God's WILL and you CANNOT misstep! Your LIFE is subject to the PERFECT will of God and PEACE is your WEAPON against the ATTACKS of life

Are you taking actions that communicate your worthiness to the Universe?Dr. Tara is back to chat with Lacy & Jessica about the energetics, neuroscience, and importance of taking aligned action. They also cover the neuroscience and psychology behind our new Deep Imaginings + The Unblocking Challenge, how to create a new neural pathway, the relationship between money and ego, microdosing, infinite consciousness, and how all of this connects back to Neural Manifestation! We're so excited for you to hear this one and hope it brings clarity to what actions you need to take in your Neural Manifestation practice! Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast In This Episode We Talk About:The return of the amazing Dr. Tara to speak with Lacy & Jessica about aligned action!How she informed the new DI's and Unblocking Challenge with neuroscience and psychologyFour ways to reprogram a new neural pathwayQuestions from the TBM community!The relationship between money and egoFinding the root desire behind your manifestationsA deep dive into the science and energetics of reprogrammingMicrodosing - how it relates to neuroplasticityGod, source, infinite consciousness!Instinct vs. intuition The three elements that need to be in motion in order to manifest! Resources: Text Us: +1-213-423-5226 - (texting is only for US, Canada, & Puerto Rico)Alexis Smart x TBM EXPANDED Flower RemedyTBM Manifestation Journal - NEW DROP AVAILABLE NOW  Join The Unblocking Challenge with our Summer Sale! *The Challenge is free for all Pathway members in The Pathway portal. Join the Pathway for our lowest summer rates for new or returning customers - not valid for existing memberships. SALE ENDS July 15th, 2022* In The Episode:Expanded EXPLAINED EpisodesNew DI'sWho Moved My Cheese? - Spencer Johnson, M.D. (Book)TBM Sessions with LMFT & EMDR Therapist Janelle NelsonExpanded x Ep. 202 - EXPLAINED Unblocking with EMDR Therapist Janelle NelsonExpanded x Ep. 197 - EXPLAINED Divorce and Relationships w. LMFT Janelle NelsonExpanded x Ep. 193 - Finding Your Empowered Voice - The Process With JanelleExpanded x Ep. 194 - EXPLAINED Microdosing with Lacy's Therapist, Katie LaRueExpanded x Ep. 191 - EXPLAINED Unblocking with Lacy's EMDR Therapist, Katie LaRue  Where To Find Us!@tobemagnetic@jessicaashleygill@drtaraswart Our Offerings:Looking To Start Your Membership? - Use code EXPANDED for $20 off your first month of The Pathway or $20 off any a la carte workshop.A La Carte - Not ready for a membership? Try an individual workshop with 3 months of access.The Basics Bundle - How To Manifest, Unblocked Inner Child & Unblocked ShadowUnblocked Inner Child Unblocked Shadow The Love Bundle - Unblocked Love & Relationships Reflection Mini-WorkshopUnblocked MoneyThe Pathway - 12-month all-access membership includes ALL of our a la cartes + more!How To Manifest, Unblocked Inner Child, Unblocked Shadow, The Love Bundle, Unblocked Money+ The Daily Practice includes our Deep Imagining Library with over 18+ DIs+ Unblocked Boundaries + Unblocked Full Moon+ Uplevel - 3 in 1 includes Rut, Rock Bottom & Next Level workshops+ Monthly Supported Class+ Community Group to connect with fellow manifestors+ Automatic access to any new offering or DI that becomes available as well! Free Offerings to Get You StartedThe MotivationFree Clarity Exercise - Journal prompt + 1 Deep Imagining Expanded Podcast - Manifestation 101  SubmitSubmit to Be a Process Guest