Podcasts about BB

Have you ever watched a mystery show and thought you knew the answer? This is your chance! Derek and Carl provide three outdoor themed (but family friendly) mysteries. They share the obvious and outside-the-box theories with the limited clues provided. And somehow Derek thinks that a dining room table might have saved a life. This month only, get a screaming deal on the Zoleo! GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our other wonderful sponsor Summit Strength's Training for Trekking Podcast and Facebook Page. Live Ultralight with Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

The pod's like a house of mud-wrestlers this week when Dave Grohl rolls on through. We learn how to live on corn dogs, we discover there's another Tracy out there… and we walk away with a BB gun, a Nintendo, and a new tattoo. Welcome to another grungy episode of SmartLess.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode was originally broadcast in September 2009. Michael van Gessel is a Dutch landscape architect with over 3 decades of experience that stretch back to the Agricultural College of Wageningen, where he earned a BA in Plant Disease, another BA in Landscape Architecture and then an MA in Landscape Architecture. His professional experience was gained with the Dutch office Bakkker en Bleeker (now B+B) where he practiced for more than 25 years and directed the studio from 1991-1997. Since 1997 he has been enjoying self-employment and independent consulting. In this dispatch, Michael discusses his approach to thinking about and designing landscapes, the fragility of Europe's rural territory, his work with Bureau B+B, the exhibition of his work at the Triennal of Landscape in the Dutch city of Apeldoorn, his recent monograph, and the 5th Biennal of landscape in Barcelona. This show employs visual chapters that update the show art to provide illustrations relevant to the ongoing onversation. If your podcast client does not support this, you can view the chapter art and their sources at this episode's webpage.

Jennifer Gareis looks back on her first soap role as Y&R's Grace, playing B&B's Donna, working in feature films with Sandra Bullock and Arnold Schwarzenegger and more with Digest's Stephanie Sloane and Mara Levinsky. We also discuss the latest soap news.

欢迎收听雪球和喜马拉雅联合出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。听众朋友们大家好，我是主播匪石-34，今天分享的内容名字叫做从腾讯微博B站财报，看广告的竞争格局和趋势，来自港美王海天。线下的另一个公司——分众传媒，收入的增长和变动，几乎和广告行业的春夏秋冬同步。对用户和用户行为理解不够。最典型的是传统的门户。比如腾讯新闻的广告、网易新闻的广告，不管是开屏广告还是信息流广告，给人的感觉是“广告总是不精准”。这种新闻类的产品，由于产品并没有较好的用户账号体系，导致对用户画像和用户行为的理解，不够精确。所以，广告的天花板特别明显。比如今日头条客户端的广告，和抖音的广告，规模完全不是一个量级。所以，今天的网络广告，能持续中高速增长的，一定不是传统的网络广告，而是拥有内容化、社交化的产品和平台。除了B站，微博本季度的广告增速也非常强劲。在财报前，基本都认为广告的增速会在个位数。但财报出来后，微博广告增速达到29%。听了电话会后，发现微博的广告，高增速确实有理由：微博这个季度的广告案例，最具代表性的就是《哈利波特魔法觉醒》。按游戏行业的投放策略，它只需投微博的信息流广告即可，按效果付费。在传统的认知里，游戏广告的本质就是买量。但这次哈利波特在微博的投放和买量完全不一样：从内容预热——社交裂变——内容引爆。由于哈利波特手游，本身就是一个IP，大众对这个IP有一定的认知度和熟悉度。在游戏上线之前，哈利波特发布预告，用户@好友，参与公测。公测期，投放开机广告、明星粉条，以及泛游戏KOL讨论，实现跨圈层传播。通过社交裂变和内容跨人群、跨圈层传播，来达到最大化的下载、激活。 哈利波特在微博的投放上，ROI提升了50%，激活成本下降91%。社交广告，逐渐抢食传统网络广告腾讯的社交广告：从玩法上，最适合和B站、微博做对比。从数据上，腾讯Q3 网络广告业务收入 224.95 亿元，同比增长 5.4%，环比下降 1.5%。腾讯的网络广告增速下滑，原因看起来更像是大环境的因素。因为之前每个季度增速都在两位数以上。而从数据看，腾讯在网络和社交广告领域，仍有非常大的优势：朋友圈。而社交广告的玩法，也越来越丰富。比如贾樟柯和三顿半咖啡的广告，投放朋友圈广告，通过人和故事，来表述品牌和表达传播品牌。而B站、微博、腾讯的社交广告，如果放在一起，提炼出一个共同点就是：广告，越来越偏重内容化和社交化。内容化：B站的肯德基广告、微博的哈利波特、朋友圈的贾樟柯三顿半广告，都是广告内容化的承载。只不过三种玩法各异：B站通过up主，来影响大众，进而形成内容和话题；微博通过IP和哈谜唤醒，借助微博独特的社交媒体属性，让广告变成了一个个“碎片的内容”；贾樟柯和三顿半咖啡，通过投放朋友圈，用贾樟柯个人的IP，来带出背后的三顿半，然后让朋友圈的人点赞、评论。社交化：微博，不能说是社交产品，但可以称为社交媒体。哈里波特的广告，充分体现了社交媒体的优势。比如内测前，通过 @好友的方式，来转发哈利波特，获取内测资格。而@这个功能，在很多同类产品里，是没有的。比如B站，用户可以看短视频、点赞和评论、收藏。所以，在缺乏@的功能下，如果想让一个话题，进行全站的圈层破圈，是比较难的。 所以，微博在社交媒体领域，今天仍有独特的优势和玩法。而回到哈利波特，用户每次 @好友，都是在帮助哈里波特做传播和裂变。 未来广告竞争展望：内容化和社交化会持续强化广告，也是好内容。这个提法，最早出自字节。比如抖音上的广告，算法会根据你的点击，以及选择偏好，逐渐给你推荐感兴趣的广告。如果是你不感兴趣的广告，算法和后台会逐渐减少推荐。今天，广告和内容结合的已经越来越紧密。比如微博上的哈利波特手游广告。用户在转发哈利波特的内容时，本身也是在转发一条“广告”。自然的话题热度发酵后，冲上热搜榜。这条热搜榜既是内容，也是广告。原本生硬的游戏广告，被哈迷的讨论、转发、赞，变成了一条条碎片的内容。所以，当广告越来越内容化和社交化后，腾讯仍然是最重要的玩家，其次是微博。微博理论上，是仅次于微信朋友圈的国内第二大社交广告平台。虽然没有朋友圈的强社交关系，但微博的用户和关注之间，有一定的中关系。专业词叫“关系流”。作为社交媒体，内容上微博核心还是传播和内容的分发。除了热搜，微博需要做的仍是充分挖掘好内容，尤其是各个垂类。比如旅游和打卡景点，这些好内容，如何让用户更容易“获得”？在当前的内容生产和分发方式上，如何进一步提高效率？B站和小红书，也算是广告内容化社交化的受益者。展望未来，广告平台的竞争，不仅对用户数和时长提出基本要求，还需平台有较强的内容化。内容化，不仅仅表现在广泛的KOL、大众群体的参与，还表现在要有玩法的创新。而唯一不变的是，广告未来也是好内容。越往后，广告和内容，会融合得越深。

The Tune of the Week for 11/19/21 is called Geese Honking. When it was recorded by the source fiddler, Clyde Davenport, he called it Wild Goose Chase. Other tunes have this title and perhaps that's why the title changed over time. Anyway, here's what I hear Clyde playing on fiddle in the key of Bb. I tuned down lower than normal in the tuning of fBbFBbD to match his fiddle. This is the tuning Nick Hornbuckle played in and it was his 2-finger version which really inspired me to learn. I see the geese flying when I drive down to town, as the rice fields filled with water attract many migrating birds. Today being Thanksgiving, I'm grateful for the forthcoming turkey dinner and thankful we have good food to eat this day and family to enjoy it with.

Bettinardi has new and updated putters for their BB and Inovai putter lines. I have been rolling a ton of putts, indoors unfortunately, with both the BB-8W and the Inovai Rev 8.0 and they are really solid. BB series is now made from stainless steel and has a new face milling that offers much better feel. The new Inovai 8.0 has a great, toned down shape with the new Roll Control face for reducing hopping and skidding and producing forward roll.

It's Conte this and Conte that! Patty & Acid break down the Conte Hype Train, where it's going, and who's along for the ride. Even Conte's daughter is in the mix! She joins one of the most crowded and competitive BB of the Week lineups in Stalking Spurs history.Let's get socialConte brings intensity Attempts to smileBrings in Ryan Mason And outlaws ketchup Why PEH didn't celebrate The preciousness of Reggy Conte's aggressive celebration Celly on the ‘gram: Sonny, Ben, and DeleBB of the WeekThe Vertonghen KidsCharlie Morgan The Sissoko Fam Casa ConteHappy Birthday Salvi Sanchez PEH and his giant babiesNecha "Don't Kill My Vibe" Aurier Hugo pushing prams and pretending not to save goals Toby's parenting philosophyThank you to Pietro Lazatin for our music. Follow us on Twitter and on Instagram @StalkingSpurs

Choć ja uwielbiam wymyślać prezenty i obdarowywać moich bliskich, zdaję sobie sprawę, że dla wielu osób kupowanie prezentów jest sporym wyzwaniem i nierzadko wiąże się ze stresem. Pomyślałam, że podzielę się z Wami moimi pomysłami na świąteczne upominki, z nadzieją, że zainspirują Was i przydadzą się podczas zbliżającej się gorączki zakupów. Prezentownik powstał w duchu uważności, rzemiosła, lokalności i jakości. Stawiamy na polskie, zrównoważone marki. Wiele z nich dało nam specjalne kody rabatowy, a szczegóły i wszelkie linki znajdziecie poniżej. Po więcej zapraszam na Instagrama: http://instagram.com/karolinasobanska   KATEGORIA JEDZENIE  1/ Zestaw domowego baristy od Marki Hario z Coffeedesk. Kod rabatowy: “karolina25” – 25 zł zniżki przy zakupach za minimum 150 zł. Ważne: kod jest ważny do 17/12/2021 i łączy się z innymi promocjami. > https://bit.ly/coffeedesk-hario > https://bit.ly/coffeedesk-gifts    2/ Zestaw kawowych bestsellerów z rodzinnej palarnii Coffee&Sons. Kod rabatowy: do 20% rabatu w dniach 22-26/11/202, ceny są obniżone automatycznie. Ważne: 1/12/21 palarnia wypuszcza tradycyjną Mieszankę Świąteczną, z absolutnie wyjątkowymi ziarnami z Brazylii oraz w nowej limitowanej szacie graficznej!  > https://bit.ly/coffeeandsons > https://bit.ly/kawkazestawstartowy    3/ Zestaw do matchy od Moya Matcha. Kod rabatowy: karolina10 na cały asortyment.  Ważne: kod działa bezterminowo. > https://bit.ly/moyamatchazestaw    4/ Polskie herbaty od Lune Tea Kod rabatowy: KAROLINA10 na cały asortyment. Ważne: kod działa bezterminowo > https://bit.ly/lunetea    5/ Polska ceramika na każdą okazję > https://bit.ly/trzaskceramics  > https://bit.ly/forrestceramics  > https://bit.ly/fenekstudio  > https://bit.ly/aomidesign    6/ Winna subskrypcja bądź/i voucher od Modern Wine Club Kod rabatowy: MWCKAROLINA Ważne: kod działa bezterminowo. > https://bit.ly/subskrypcjawina    7/ Wegańskie słodycze od marki YARO Kod rabatowy: KAROLINAS20 Ważne: kod działa bezterminowo. > https://bit.ly/slodyczeyaro    8/ Produkty do koszy pełnych smakołyków > https://bit.ly/ekozakwasownia  > https://bit.ly/stickyblenders  > https://bit.ly/granolawikk    9/ Akcesoria kuchenne {przykładowe linki} > https://bit.ly/suszarkadosalaty  > https://bit.ly/ryzowary > https://bit.ly/frytkifrytki    10/ Akcesoria podróżne Składany kubek marki Stojo > https://bit.ly/kubekstojo  Butelka termiczna > https://bit.ly/24bottlesnap  Aeropress > https://bit.ly/aeropresscd  Woskowijki > https://bit.ly/woskowijkieko    *** KATEGORIA DOM 11/ Album Sztuka Pobytu od Travelicious > https://bit.ly/sztukapobytualbum    12/ Planszówki & gry Scrabble > https://bit.ly/scrabblepl  Dixit > https://bit.ly/dixitpl  Cluedo > https://bit.ly/cludeopl  Ja wiem lepiej  > https://bit.ly/wiemlepiejpl  GEOMETRIA PYTAŃ > https://bit.ly/pytaniapl    13/ Analogowe budziki od marki Mudita Mudita Bell > https://bit.ly/muditabellpl  Mudita Harmony > https://bit.ly/muditaharmonypl    14/ Ekologiczne świeczki od marki Senses Candle Kod rabatowy: Karolina15  Ważne: kod jest ważny w dniach od 24/11 do 25/12.  > https://bit.ly/sensescandle    15/ Olejki eteryczne oraz olejki bazowe od marki Olini > https://bit.ly/oliniprezenty   ***   KATEGORIA WELLNESS 16/ CBD & kadzidła od marki Lekko Kod rabatowy: KAROLINA20 Ważne: kod działa bezterminowo. > https://bit.ly/niechbedzielekko    17/ Suplementy od Healthlabs Kod rabatowy: KAROLINA10 Ważne: kod działa bezterminowo. > https://bit.ly/suplementyhl    18/ Okulary blokujące światło od marki EyeShield Kod rabatowy: Karolina5 Ważne: kod działa bezterminowo. > https://bit.ly/okularyblokujace    19/ Karty do jogi  > https://bit.ly/asanacards    20/ Platformy jogowe JOGICZNI > https://bit.ly/jogicznieli  Magdalena Yoga > https://bit.ly/turnusyoga    21/ Zestaw domowe sanktuarium + dwustronna poduszka do spania od Plantule Kod rabatowy: KAROLINA15 Ważne: rabat -15% na wszystkie nieprzecenione Plantule z wyjątkiem lnianej kolekcji Domowe Sanktuarium. Kod aktywny od 1/12 do 15/12. PS Zaglądajcie na Plantule już teraz, trwa Black Week z super rabatami bo aż do -35%.   Zestaw domowe sanktuarium • https://bit.ly/domowesanktuarium Dwustronna poduszka do spania • https://bit.ly/poduszkadospania   22/ Voucher na masaż Znajdź najlepszy masaż w swoim mieście!   ***   KATEGORIA BEAUTY 23/ Zestaw bezpieczne dłonie od Purite Kod rabatowy: KAROLINA15 Ważne: kod działa bezterminowo. > https://bit.ly/prezentypurite    24/ Wielofunkcyjny Stick do ciała + Christmas Set Kod rabatowy: alaxKarolina  Ważne: 10% zniżki na Christmas Set. Kod ważny od 24/11 do 15/12 włącznie.   Stick  > https://bit.ly/stickala  Christmas Set > https://bit.ly/glowsetala    25/ Balsam brązujący, krem BB + krem rozświetlający od Resibo Kod rabatowy: Karolina20 Ważne: Kod obejmuje balsamy upiększające. Kod ważny od 29/11 do 13/12. PS Sprawdzajcie stronę Marki podczas Black Weekend.   Balsam > https://bit.ly/mastertouchresibo  Krem bb > https://bit.ly/selflovekrembb  Krem rozświetlający > https://bit.ly/krempodoczyr    26/ Kosmetyki do skóry dojrzałej i wymagającej od Samarite Kod rabatowy: KAROLINA15  Ważne: kod będzie działał od 24/11 do 15/12 włącznie. PS Samarite przygotowało specjalne kody rabatowe na Black Friday, sprawdzajce Instagram Marki już od 26/11. > https://bit.ly/kosmetykisamarite    27/ Kule do kąpieli od LaBomba > https://bit.ly/labombabomby    *** KATEGORIA MODA 28/ Polska bielizna od marki Undresscode Kod rabatowy: UCBABE15XMAS Ważne: kod będzie działał od 24/11 do 15/12 włącznie. > https://bit.ly/bieliznaundresscode    29/ Piżamy do zadań specjalnych od Boris Nudin Kod rabatowy: aktualnie na stronie trwa promocja przedsprzedażowa -25%. > https://bit.ly/klasycznepizamy    30/ Szlafrok + euti na laptop od Sowl Kimono > https://bit.ly/kimonosowl  Etui > https://bit.ly/pokrowcesowl    31/ Codzienne ubrania wspaniałej jakości od MAWO > https://bit.ly/mawocollective    32/ Akcesoria do pielęgnacji butów od Balagan > https://bit.ly/dbamyinaprawiamy    ***   KATEGORIA SAMOROZWÓJ 33/ Książki 360 DNI STOICYZMU (Ryan Holiday) > https://bit.ly/stoicyzmnakazdydzien    jedz śpij i ruszaj się w zgodzie z rytmem dobowym (Satchin Panda)  > https://bit.ly/spijjedzruszajsie    34/ CODZIENNIK Kod rabatowy: PREZENTOWNIK2021 Ważne: kod działa od 24/11 do 15/12 włącznie. > https://bit.ly/codziennikebook    35/ Akcesoria papiernicze od Rzeczownik > https://bit.ly/pieknypapier    36/ Test Gallup > https://bit.ly/testgallup    ***   KATEGORIA KULTURA 37/ Vouchery do teatru bądź muzeum  > https://bit.ly/ewejsciowkipl    38/ Bilety na koncert > https://bit.ly/biletomatpl 

Dave Nunez is a comic out of Houston, TX and is the host of Mindless Digital Podcast. Today's Topics: Skankfest recap, making yourself cry, playing with BB guns, Wendy Williams, Richard Simmons, being thankful, don't drink and drive, Kyle Rittenhouse trial, dealing with grief --- Send in a voice message: https://anchor.fm/freddycorrea/message

Are you carrying extra pounds and bulk for no reason? Derek and Carl discuss items they've brought or they've seen in the backcountry that simply have no purpose. This is not a rehash of the old items they like to make fun of. One of them that Carl brings up might be the most controversial item of all time. And Derek explains why he stores dirty water in his ziploc trash bag. Also, Derek invites his grandma to briefly join the show.  This month only, get a screaming deal on the Zoleo! GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our other wonderful sponsors Summit Strength and Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

Спустя 17 тренировок, Роман переводит Андрея на новую программу тренировок. Она будет посвящена силовой выносливости и построена по принципу сплит-тренинга. Подробнее — в этом выпуске подкаста. Послешоу на Patreon — Организация гардероба, сумки и немецкие бритвы (https://www.patreon.com/posts/58892665/) ⠀ Темы 00:00:00 — Вступление 00:00:39 — Впечатления от фулбади тренировок 00:12:52 — Результаты фулбади тренировок 00:16:48 — Что дальше: силовая выносливость. Как это работает 00:22:49 — Сплит 00:36:52 — Почему фулбади-тренировки шли снизу вверх 00:44:48 — Завершение и прощание Программа тренировок и фотографии прогресса Андрея (https://1drv.ms/u/s!AvcD4VSeHVT-s2VAWt2RrBnBXYip?e=dvB1wk) ⠀ Видео с упражнениями Приседания с штангой (https://youtu.be/uqjFx48zHTM) Кубковые приседания (https://youtu.be/-uSKBIS4Zbw) Выпады на месте (https://youtu.be/DtLjBT6Rb2E) Мертвая тяга (https://youtu.be/JuRCPHDghhU) Тяга штанги в наклоне (https://youtu.be/dSXEoSJsnIY) Тяга гантелей в наклоне (https://youtu.be/oXAQE6zXdmE) Жим штанги лежа (https://youtu.be/aoSj5P6YVdc) Жим штанги узким хватом (https://youtu.be/iI9DBEPyM4s) Армейский жим (https://youtu.be/W96fK0RUr_E) Тяга штанги к подбородку (https://youtu.be/2oPEsG2HBus) ПШНБ с EZ-грифом (https://youtu.be/8hCrH8BVXkw) Французский жим (https://youtu.be/VvUnOodgOM4) Пресс, скручивания (https://youtu.be/1MTcFl3peSQ) Гиперэкстензия (https://youtu.be/M5tzszlWGPw) ⠀ Контакты

Welcome back to the tea party folks. You ready for this marathon session? Buckle up, buttercup, it's a long one today.Content warning: Discussions of racism, transphobia and homophobia. Also please be advised that there is language use in many of the links we have provided, however all of them are vetted for safety and accuracy. Jamie McGuire dramaOn October 25, Voltage Pictures director Roger Kumble (dir. "After We Collided") announced that he was teaming up with actors Dylan Sprouse and Virginia Gardner to begin filming a movie adaption of bestselling "romance" novel "Beautiful Disaster"and SOCIAL MEDIA FREAKS OUTJamie McGuire has a lot of controversial opinions and has made a lot of enemies in the romance community for her books. Please review the provided links and materials for informationThere's no ending to this one yet, it's more of an ongoing realization by romancelandia that movie/television producers continue to not pick the books that romance lovers believe will make better television/filmOmegaverseDMCA Takedown NoticeScène à faireFor more information on what omegaverse actually is, go back to last month and listen to our werewolf episodes! Addison Cain starts writing omegaverse fanfic in 2012 while living in Japan. When she moves back to the States she pursues publishing and n 2016 Born to Be Bound was released by Blushing Books, and Cain becomes extremely popular and becomes one of the leading published omegaverse authorsIn 2018 fellow omegaverse author Zoey Ellis publishes Crave To Conquer through Quill Ink Books. It's also doing well and readers are liking it...until Cain's readers start gettng into it and recognizing a llot of similarities and tropes and plot lines when comparing Ellis' book to Cain'sCain goes forth and accuses Ellis of plagiarizing (similar to Serruya/Milan) and a long legal proceeding beginsAfter Cain accuses Ellis, Blushing Books issues DMCA's against Ellis, and all of Ellis' work is withdrawn; Ellis files counternotices, and after a few months her works are resorted; THEN Cain's lawyer's issue threatening letters promising legal action is Ellis doesn't take her work back down. Ellis does not do this, and sues Cain first.In late 2018 Quill Ink files against Blushing Books/Cain in the state of Oklahoma (even though BB/Cain have no relation to that state but is where Ellis' distributor is based); Cain asks for this to be dismissed since she has no business in that state, and after she swears to the judge that she had nothing to do with the hreatening letter sent by her lawyer to Ellis, Cain is dismissed from the OK caseSo Ellis sues Cain in VirginiaThe battle between Quill and BB continues, and Quill's lawyers, in the process of obtaining all the necessary documentation to create a fair case, obtain the correspondence between Cain and BB, which reveals Cain had been the one to pursue the takedown notices, DMCA, and copyright filings...in opposition to her sworn affidavit that she had nothing to do with the whole business (and what she's been posting on her personal social media). Furthermore, Cain has no copyrights filed on her works...In light of this, Ellis and Quill file a motion to judge Cain guilty for civil contempt, perjury and to dismiss this case. Three days later Blushing offers a complete settlement, says Ellis did NOT plagiarize and dismissed the case. Ellis was not awarded any money from her suit because she ran out of funds and her lawyer left before she could fully pursue the case.RWA vs. MilanThe Romance Writer's of America (RWA) is a trade organization for romance writers and was founded by Vivian Stephens and Rita Clay in 1980 who had hoped that RWA would be a professional organization that would help promote, advance and protect romance authorsIn 2018 Courtney Milan was appointed to Chair of the Ethics Board in 2018August 2019 RWA President-Elect Carolyn Jewell tweets about blocking a problematic author they had been in business with; smart people soon realize that this was Sue Grimshaw, former editor and romance buyer for Borders bookstore. Grimshaw's boss and friend Suzan Tisdale, owner of Glenfinnan Publishing, comes out and says that this is nonsense, and Grimshaw " is no more a racist or bigot than I am."Twitter isn't happy (is it ever?), and Milan joins in on the drama session, and rips apart the 1999 book Somewhere Lies the Moon by Kathryn Lynn Davis and its portrayal of half-Chinese women (Milan is half-Chinese herself); there's fallout from this whole situation with Davis claims that she lost her contract, and Tisdale claims that she's having a hard time finding anyone who will work with her now. Tisdale files a complaint against Milan, accusing Milan of harassing behavior, bullying, threatening her career and her business, and threatens legal action if the RWA does not do something about Milan and Milan's social mediaMilan is asked to step down as Chair and she does, although she's upset due to the unclear policies in RWA's bylaws concerning social media practicesThe complaints against Milan are brought to an entirely new Committee Panel, things get weird, people keep recusing themselves, and when the panel finally meets to come to a decision on November 19, 2019, they decide to censure Milan, suspend her membership for one year and put a lifetime ban on ever holding leadership positions again. The Panel's decision is sent to the RWA Board on December 17 but it's lacking a LOT of evidence...including Milan's own statements! Despite the Board asking the Panel for more information and documentation, the Panel (and the Panel's lead, new President Elect Damon Suede) refuse to present more information, saying that the Board just needs to trust the Panel...Then Social Media gets ahold of everything...and THINGS BLOW UPOn Christmas Eve there's an emergency Board meeting and they vote to immediately rescind the ruling against MilanThat's the end of the Milan dispute...but RWA continues to be in hot water. People are withdrawing memberships, authors are pulling books from nominations, agents are refusing to work with RWA, Suede is catching heat for falsifying claims and accreditations, publishers pull out of conventions, and over 3000 members leave. Suede ends up withdrawing from his position, Davis and Tisdale say they only wanted an apology, and RWA unveils a new award in honor of Vivian Stephens in place of the RITA award annnnnd that's...sort of where we're left off at.Books/authors we mention:Beautiful Disaster by Jamie McGuireBorn to Be Bound by Addison CaineCrave to Conquer by Zoey EllisKennedy RyanJamie McGuireLinks:Maguire/Krumble/Beautiful Disaster"Roger Kumble Movie ‘Beautiful Disaster' Sets Dylan Sprouse, Virginia Gardner & More" (D'Allessandro, 2021)"Racist Jamie McGuire Dragged Again Upon News of Romance Book Adaptation" (Shotwell, 2021)"Jamie McGuire's 'Problematic' Past Turns Fangs Against Beautiful Disaster" (Krishnamurphy, 2021)"What's the Deal with...Jamie McGuire" (Bec&Books, 2020)"Beautiful Disaster Criticised by Fans for Jamie McGuire's Controversial Past" (Sonia, 2021)"Author Jamie McGuire dropped by agency after engaging with Proud Boys and Nazis" (HorrorMaven, 2020)Omegaverse"Copyright: The alpha and the Omega(verse)" (Whipple, 2019a)"Not Walking Away From Omegaverse" (Whipple, 2019b)"The DMCA Is Not a Weapon for Great Justice" (Whipple, 2021)Case 5:18-cv-00920-G Document 6-14 Filed 10/17/18 - Blushing Books emails courtesy Whipple"Into The Omegaverse: How a Fanfic Trope Landed in Federal Court" (Youtube, Ellis, 2020a)"Eyes Wide Open" (Bailey, 2020)"Addison Cain's lawyer e-mailed me, and it only got worse from there" (Youtube, Ellis, 2020b)Courtney Milan Twitter thread re:CainRWA Ethics complaint against Milan by Cain re:Milan's "lack of support""A Feud in Wolf-Kink Erotica Raises a Deep Legal Question" (Alter, 2020)"Drama in the Omegaverse" (Golden Angel, 2019)Ellis' lawyers counternotices against Cain"Join The Fan Fiction Deep State And Watch This Latest Video That Addison Cain Really Doesn't Want You To See" (TechDirt, 2020) Quill Ink Books Limited v. ABCD Graphics and Design Inc (5:18-cv-00920)"Omegaverse Lawsuit" (Ellis, 2018)Meredith, Empress of the Sock Puppet Army's review of Crave to Conquer | Goodreads"Discussion of Addison Cain's Alpha Claim and Zoey Ellis's Myth of Omega" (Busse, 2018)"Just Keep Breathing With Me" - POSSIBLE FIRST OMEGAVERSE by Tebtosca (2011)All Lawyers are Bastards Podcast: There Will Be KnotsRWA/Milan"The Implosion of the RWA" (Ryan, 2019)"Romance is publishing's most lucrative genre. Its biggest community of writers is imploding" (Romano & Grady, 2020)"Bad Romance" (Grady, 2020)"Vivian Stephens Helped Turn Romance Writing Into a Billion-Dollar Industry. Then She Got Pushed Out" (Swartz, 2020)Twitter Thread by Bree Sedai (2020)"Racism and the Corporate Romance Buyer: a "little fiasco" involving Sue Grimshaw" (Vivanco, 2019)"Inside the Spectacular Implosion at the Romance Writers of America" (Faircloth, 2020)THE Twitter thread by Milan about GrimshawSuzan Tisdale's formal complaint to RWAMilan's formal response to Tisdale's complaintReport of the Ethics Committee Pursuant to a Zoom Conference Call: November 19, 2019Independent Ethics Audit Report for Romance Writers of America (Judish & Jacobs, 2020)Alyssa Cole's Twitter Thread re: the whole situation and emailsHelenKay Dimon Twitter Thread"Romance Writers Of America Was Doing Better With Race — Until A Recent Award Choice" (Bates, 2021)"RWA One Month Later: A Special Podcast Series" (Sarah, 2020)

His name is Ben Baller, not Ben Humble & he's here to discuss: Ben Baller Did The Block Chain, Sitting Next To The Lakers Bench, RIP Young Dolph, Staples Center Name Change, Giveaway Time, BB x TaylorMade Putter Drop & more. This episode is not to be missed! Please visit: Notables.co & Dodge258.com Please support our sponsors: Fiverr.com/business, promo code BALLER. www.WarbyParker.com/Baller www.VitaminWater.com If you are interested in MLB, NBA, NFL & UFC Picks daily, weekly or monthly subscribe at www.CaptainPicks.com & Follow @TheCaptainPicks on Instagram Produced by: DBPodcasts www.dbpodcasts.com Follow @dbpodcasts on Instagram & Twitter Music by @lakeyinspired Available on all Podcast Platforms, YouTube & BehindTheBallerPod.com Behind The Baller Theme Music  Artist: Illegal Kartel (@illegal_kartel_mikal_shakur) Produced by: Gene Crenshaw @yuyuthemaker

Kimmer Show #360, Pete's pajamas, Biden and bridges, Somebody's got jury duty, Jury deliberations in Rittenhouse case, BB gun surprise, Willie Mays story, Senior moments, Hello old friend,   Bad texting theatre, and more on today's Kimmer-castSupport the show (http://Patreon.com/KimmerShow)

His name is Ben Baller, not Ben Humble & he's here to discuss: Selling his Escalade, Latchkey Kids, family fallouts, hitting The Americana, Tree Lighting, Getting good at Golf, BB x Taylor Made, Astroworld Death Toll, judge of Miss Phillipines USA & Phillipino Time, what he's watching, having lunch with Nic, sitting courtside at Lakers Game with Ken Jeong, meeting Tom Holland, sitting courtside again tonight, Seahawks losing in Green Bay, Giving Away $10K worth of gear to a fan, his personal arcade, future big giveaway & more. Please support our sponsors: www.LinkedIn.com/Baller www.Public.com/BTBPod www.FirstLeaf.com/Baller www.VitaminWater.com If you are interested in NBA, NFL, NHL & UFC Picks daily, weekly or monthly subscribe at www.CaptainPicks.com & Follow @TheCaptainPicks on Instagram Produced by: DBPodcasts www.dbpodcasts.com Follow @dbpodcasts on Instagram & Twitter Music by @lakeyinspired Available on all Podcast Platforms, YouTube & BehindTheBallerPod.com Behind The Baller Theme Music  Artist: Illegal Kartel (@illegal_kartel_mikal_shakur) Produced by: Gene Crenshaw @yuyuthemaker

Over the last year Derek and Carl have investigated a few different devices for remote communication. This episode features the one they landed on: the Zoleo. Morris, president of the company, joins the show to answer all types of emergency questions you would want answered (and some you may have never thought of). Also, Derek shares his risky strategy for getting a signal from inside a car. This month only, get a screaming deal on the Zoleo! GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our other wonderful sponsors Summit Strength and Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

Is Your Firewall Actually Protecting You? What Should You Be Doing? New stats are out this week. So what's the number one vector of attack against us? Our Firewalls. And they're failing. So, what's going on. And what can you do about it? [Automated transcript follows] [00:00:16] And of course, I'm always talking about cyber security, because if you ask me that is one of the biggest problems we have in business. [00:00:27] Today. Well, yeah, you got to find employees. In fact, uh, it's almost impossible to find them in the cyber security space as well. And it's been hard for years. So I try to keep you up-to-date here. We've got boot camps that are coming up and you are really going to like them. We've been working on some supplemental materials for it. [00:00:47] And of course these boot camps are always free, so you can join it. You can have your friends come and learn the. Basics. It's not one of these high sell things. Right. I, I got a little letter in the mail this week saying, Hey, you can come and get a free steak dinner. And of course it's kind of like a timeshare, right? [00:01:09] Jay, you have to listen to the pitch. Yes. Stay over. On us. And you are going to be sitting there for four hours listening to this crazy pitch that's going on. That's not what my bootcamps are. Anybody that's been to. One of them will tell you we work on it. I explain it. You know what you have to do, how you have to do it, the wise, the winds, the wherefores. [00:01:35] So if you would like to learn more for yourself, Make sure you sign up Craig peterson.com sign up for my newsletter. And when a bootcamp is coming up, I will be sure to tell you about it in the newsletter so that you can attend. And it's important to, to understand that this is yeah. Aimed at business, the, these boot camps, but almost everything businesses have to do or shouldn't be doing the same thing applies to you in your. [00:02:08] So, if you are a small business person, if you're someone who has some it experience, and you've been assigned to worry about cyber security, this is for you. If you are a very small business and you're kind of the Jack of all trades, and you've got to worry about cybersecurity, this is for you. And I just got. [00:02:31] This week from someone on my email list who is retired and she was talking about her husband and her, they don't have any kids, no errors. They're trying to protect their financial investments. And of course I responded saying, Hey, I'm not a financial investment advisor, but I can certainly give you some cyber security input, which I did. [00:02:53] And you can ask your questions as well. I'm more than glad to hear them. And you probably, if you've sent them in, you know, I always answer them now. My big man, a few days might take me a week, but I will get around to it. And I try and respond to the emails. Sometimes I answered here on the radio show or on my podcast, but usually it's via email me. [00:03:17] At Craig peterson.com. And of course, that's also on my website, Craig peterson.com. And that's also my name Craig Peters on.com. So let's get into the firewall thing. When you have a network, you are connecting that network to your computers, maybe. To your security cameras, to your printers that you have, maybe there's a lock system. [00:03:44] Maybe there's more, all of this stuff is interconnected and it's all rather well and good. You can have a whole lot of fun with it, but it is not as particularly good if you can't get out to the internet. So what do we do? We hook our network, whether it's home or if it's business to the internet. Now, you know, all of this stuff so far, right? [00:04:06] You're following me. The internet is actually inter connected networks. In case you didn't know, there are now millions of networks that are connected on the internet. There are core networks out there. We were my company like number 10,000. I think it was, uh, a S an R a S number autonomous system. So we were fairly early on. [00:04:32] And of course, as you know, I've been on the internet in various forums since the early 1980s and helping to develop the protocols, but it is important to remember it is an interconnected network of networks. You might ask why? Well, the bottom line is you aren't connecting your network with other networks that have malicious software on them. [00:04:58] Maybe they're just poorly configured. Maybe they're causing a denial of service attack effectively because there's so badly configured. But whatever the case may be, you are still exposed. If you look at the traffic that's coming to your router. So your router is sitting at the edge of your network connected to your internet service provider. [00:05:19] So it might be Comcast or Verizon or a whole slew of others. But your network is connected via a router. Then the router knows how do I get my data from the input to the output or from the output to the input, if you will upstream and downstream data, that's what the router is for. And if you look at the data on your router and most of us can't, but if you were able to, what you will see is hundreds of thousands of internet packets coming to, and from your. [00:05:55] Router your endpoint every day. Usually these are bad guys doing what are called scans. They do port scans. They're primarily looking for services. So what do you, do you have a firewall now in many cases, you'll get a device from your Janette service provider that has a router built in and has a firewall built in, and it has wifi. [00:06:19] All of this stuff, all built in together makes life all nice and warm and fuzzy and Catalina, doesn't it. But in reality, it's not necessarily a good thing to have it all in one, because you're definitely not going to get the best of breed and router or firewall or wifi, but that's a different story. What is that firewall for that router? [00:06:41] Of course, it's getting all this internet traffic and anything that's on the internet that is. I'm trying to get to you is going to go through the. And anything that you are trying to send up to the internet, like for instance, to try and get a web page or something is also going to go up through that router. [00:07:02] So how do you protect yourself time? Was that there wasn't really much of a way to protect yourself. And frankly, there weren't a lot of reasons. To try and protect yourself. And the internet was just this wonderful open thing, lots of fun and played around a lot. Back in the early nineties, it was, it was just a joy in the late eighties to, to be connected up to the internet and then bad guys started doing bad things. [00:07:30] We took the concept of what you have in an automobile and applied it to the. If you're driving your car, your in the passenger compartment and that passenger compartment is hopefully warm in the winter and cool in the summertime. And you are protected from that big mean nasty engine that's in front of you, or if you're driving an electric car from those mean nasty batteries that are probably below you in that car and what's between you and the. [00:08:04] Of course a firewall. And the idea is to keep the nastiness of that engine, all of the heat, the oil, the grime, the wind, everything else is associated with that engine. Keep that away from you so that you can now drive that car just comfortably in that controlled climate of the passenger compartment, that concept was then applied to the inter. [00:08:30] And in fact, I designed and implemented one of the first firewalls ever made way back when and the firewall in the internet Partland is very similar to the car in the car. You have some protrusions through that fire. Don't you, you you've got a steering wheel. How does that get up to the front of the car? [00:08:53] Well, it goes through the firewall and around that steering wheel, of course there's some EBDM, some rubber type stuff that helps stop anything from coming through right next to that steering column. Same, thing's true with the brake pedal and the gas pedal. At least it used to be. Nowadays, it's so much of this as drive by wire, that the only thing going through the firewall is a wire and there's no mechanical linkage. [00:09:24] Unlike my car, which is a 1980 Mercedes-Benz diesel. Where yes, indeed. Direct linkages to everything. So the firewall in the cars protecting you from the nastiness in the engine compartment and the firewall, when it comes to your internet is doing something very similar. Think about your house for a minute, you have a house with doors and windows. [00:09:53] I would hope. And a chimney and maybe a couple of other protrusions that are going outside of the house. Well, you have some similar problems and when it comes to the internet and when it comes to the firewall, With your house, sir. Sure. You could post a guard out front, a whole series of them. You've got a dozen guards out front and they are all guarding that front door. [00:10:19] But if no, one's watching the back door, if no one's paying attention to the windows, there's still ways for the bad guys to get in. And that's what we're going to talk about. How does the internet firewall tie into this analogy of cars and the analogy of your home? Because it's a very important point when you get right down to it. [00:10:44] We need to understand this because the number one tactic reported this week by MITRE and Cisco is exploitation of public facing application. So I'm going to explain what that is. What's your firewall can do for you and what you should do for your firewall. A stick around. We've got a lot more coming up. [00:11:09] I want to invite you to go. Of course, right now, online to Craig peterson.com. Once you're there, just sign up for mind's newsletter. Simple Craig peterson.com. [00:11:25] This week, we found out what the top five tactics are that are most frequently being used by bad guys to attack us. This is done by MITRE and Cisco systems. Number one, public facing applications. What does that mean? [00:11:42] We've been talking about this report, but really what we've been delving into is how data flows on your network, whether it's a home network or maybe it's a business network, how does this whole mess work? [00:11:58] And when miters talks about the biggest problem here, 91% of the time being what's called an exploit of a public facing application, what does that mean? We went through the basics of a firewall and a router. So all of the data coming from the internet, coming into the router, then handed to the firewall. [00:12:24] Any data going out, goes into the firewall. And then the. So that's the pretty simplistic version. And of course the firewall on your network does a similar thing to the firewall in your car. It stops the bad stuff, at least it's supposed to, but your home and your car both have different ways of getting. [00:12:48] Past the firewall in the house. It's your doors and your windows in the car. Of course, it's where the steering column goes through where the brake pedal and the gas pedal go through the clutch, all of that stuff that perch, um, permeates, it goes through. That firewall. And of course, you've probably, if you're been around for awhile, you've had leaks coming through your firewall and, uh, you know, how poorest they can be sometimes. [00:13:18] Well, we have the same type of thing on our internet firewalls. Every home has doors and what we call the doors in on the internet is similar to what they call them. On the, in the Navy, on the water, the reports. So think about a porthole in a boat, or think about a, a door, a port, which is the French word for door. [00:13:45] What happens on the internet? For instance, if you're trying to connect to Craig peterson.com, you are going to connect to a specific port on my server. So the address typically, uh, is going to be resolved by DNS. And then once it gets to the server, you can connect to port 4 43. You might try and connect to port 80, but I'll do a redirect, but that's neither here nor there. [00:14:12] So you're going to connect to that port four 40. So my firewall has to say, Hey, if somebody is coming in and wants to get to port 4 43, which is called a well-known port, that's the port that all web server. Listen on. So if someone's trying to get to my port, my web server on port 4 43, let them in. But if someone's trying to get to another port, don't let them in. [00:14:48] Now there's multiple ways to respond or not respond. I can talk about that right now. That'd be for deep dive workshop, but the idea is. Each application that you are connecting to, or that your providing has. Part of the problem that we've been seen. And this is a very big problem is that people are not changing the administrative passwords on their machines. [00:15:20] So administrative passwords mean things like admin for the username and admin for the password on your firewall. So. Your firewall, if you have what's called when admin enabled, what that means is someone on the wide area network. In other words, The internet, someone on the internet or on the, when can connect to your firewall and control it. [00:15:51] This is, as you can imagine, a very big thing, and it is something that we cover in one of our workshops, explained it all and all of the details and what to do, but most businesses and most people have not properly configured their firewalls. When we're talking about number one, problem, 91% of the time being an exploit against public facing applications. [00:16:18] What that means is they could very well just be trying to connect to the administrative interface on your firewall. Unfortunately, they will often offer. Change the software on your firewall. So they won't just reconfigure. They'll just change it entirely. And they'll do all kinds of evil things. Again, we're not going to get into all of that and what to look for and what can happen. [00:16:44] But number one thing everybody's got to do, and I saw some stats this week as well, that made me want to bring the. Most people and most businesses about two thirds have not changed the default passwords on the hardware that they have. Now it can understand sometimes the kids confusing. No question about. [00:17:07] But if you don't change the password on something that's public facing, in other words, something that can be reached from the internet or again, the wide area network. I know there's a lot of terms for this, but something that someone else can get at from outside your network. And it's the default password like admin admin, you could be in a whole lot of. [00:17:35] So check that right now, please double check that triple check that because even if you have a router from a big internet service provider, again, like the Comcast Verizon's, et cetera of the world, they will almost always have it set up. So you can change that administrative password and Jewish. Now I, again, for clients, I have some different advice than I have for, for just regular users, but make sure you change that. [00:18:09] And here's the second part of the problem. What happens if you have a business and let's say you're not hosting your own website, like I've been doing for a couple of decades and how three 30 years, I guess now. Um, and so you've got your website hosted at some. Web height site, hosting place, you know, Gator or one eye and one eye and one or GoDaddy or whatever. [00:18:35] Okay. So, okay. That's fine. So let's not inside our network. Uh, w we don't worry about the security because that's the vendor's problem. Now we're talking about, okay, what happens. My users who need to work from home. This gets to be a very big problem for so many people, because work from home is important. [00:19:00] So what are you going to do? Well, basically in most cases, unfortunately, businesses are just exposing an application to the internet. So they might, they might. Terribly configured networks, where there is a direct connection that goes right to the files. So you connect to a port on their firewall and it immediately redirects it internally. [00:19:30] Remaps it to the file server. And some people are really, really clever. Alright. Or so they think, because what they'll do is they'll say, okay, well, you know, that, that normal port number. Okay. So I'm going to move. Port number. So you're going to connect to port 17, 17 on my firewall, and it's going to connect you to the file share on my file server so that people from home can just connect to port 17, 17, and ta-da, there are all the files and yeah, we're, we're using passwords, so it'll be okay. [00:20:06] It'll be fine. Um, but, uh, guess what it isn't for a few. Different reasons are we're going to be talking about those here in just a minute. Yeah, I want to encourage you right now. Take a minute. Go online. Craig peterson.com. You'll find lots of information there. I've got 3,500 articles, all searchable, Craig peterson.com. [00:20:32] But more importantly, make sure you sign up for my newsletter. Craig peterson.com/subscribe. So that you can keep up to date on everything that is important in all of our lives. [00:20:51] We're talking about firewalls at home at the office, what it means to have public facing services, really applications, people working from home. How can you make it easy for them and hard for the bad guy? [00:21:15] Many businesses had to quickly change the way their computers were set up because of course the lockdown and people working from home. [00:21:26] And, um, unfortunately. Many mistakes were made. And some of this, in fact, I'm going to talk a lot of this problem up to these managed services providers break, fix shops. My, my fellow information technology contractors, if you will, because they didn't know any. Most of these people have been computer people, their whole lives, right. [00:21:55] They played with PCs when they were young and they might've taken a course or two and wow. MCSC certified. Believe me, this is not something that a straight up MCSC or. And frankly, most of the it certifications can really understand or really handle the cybersecurity can be done, but there's so many things they overlook just like what I was just talking about, exposing a file server directly to the internet. [00:22:29] I mentioned, okay. While they thought it was going to be safe because there's a username and password, but there's a couple of huge problems here. Problem. Number one. When you're exposing a service to the internet, like for instance, the files server, you are exposing software that may have exploitable, but. [00:22:54] And again, going back to those stats from earlier this week, more than half of all of the systems that are out there are not patched to date. It's so bad that president Biden just ordered the federal government agencies to apply patches some as old as three years. So what happens now? Well, the bad guy scan, and guess what they found. [00:23:23] Port that you thought was just so clever because it wasn't the standard port number for that service. Maybe it's SMB or CIFS or something else. And, uh, they found it because they scan, they look, they see what the response is that tells them what type of a server sitting there. And then they try, well, let me see. [00:23:45] There's the zero day exploits, but why bother with those? Let's just start with the good old standard ones. And unfortunately, because so many machines are not patched up at all, let alone properly patched up. You, they end up getting into the machine. It's really that simple, just because it's not patched up. [00:24:08] How does that sound? Huh? Yeah, it's just plain, not patched up. It's not available for anyone to be able to use anybody to be able to access. Right. It there it's not restricted. So the passwords don't matter if you haven't patched your systems. And then the second problem is that. Are brute force attacks against so many servers out there. [00:24:36] And most of the time, what we're talking about is Microsoft, but, you know, there's the share of bugs kind of goes around, but Microsoft and really, they get nailed a lot more than most beet, mainly because they're probably the number one out there that's in use today, not in the server community, certainly, but certainly also in the. [00:24:59] It's been, you know, small businesses, that's all they know. So they just run a Microsoft server and more and more, you kind of have to run it because I, I get it. You know, there's so many apps that depend on the various functions that are provided by the active directory server at Microsoft and stuff. So we, we do that for our customers as well. [00:25:19] So are you starting to see why the brute force against a server will often get them in and the smarter guys figure out what the business is? And then they go to the dark web and they look up those business emails. Addresses that they have that have been stolen along with the passwords that were used. [00:25:43] That's why we keep saying, use a different password on every site because that stolen password now. Is going to be tried against your service, your, your file server. That might be there. You might be trying to have a VPN service that the people are VPN in from home. You might have remote desktop, which has been. [00:26:08] Abject failure when it comes to cybersecurity, it's just been absolutely terrible. So you might have any of those types of things. And if they've got your email address and they've got the passwords you've used on other sites, which they've stolen and they try them, are they going to work? Odds are yes, because most people, I got another set of stats this week. [00:26:36] Most people use the same password for every site out there or every type of site. So they might get a second, most common is they use one password for all of their social media sites. They use another one for all of their banking sites. So we cover this in some depth in our bootcamp so that you understand how to do the whole password thing. [00:27:03] And what I recommend is a piece of software called one password. I don't recommend that you just use one password for everything. I was misunderstood by someone the other day. You mean just w w I use one password for everything. Yeah, you do. And then I talked to them a little bit more because I thought that was an odd question. [00:27:24] And it turned out, he was thinking, you just have the one password, like, like, you know, P at sign SSW, zero RD. Right? You use that everywhere. No, there's a piece of software go to one password.com. That's what I recommend as a password manager. And I show you how to use that and how to use it effectively in my bootcamp. [00:27:48] Absolutely free. Just like the radio is free. I'm trying to get the information out to as many people as possible, but you gotta be on my list. Craig peterson.com. Make sure you go there. So I've explained the basics here of what happens. We have a door open or windows, open ports on our servers, on our firewalls at home. [00:28:15] And at work. So the thing to do, particularly if you're a business, but even if your home user is check that firewall configuration. And let me tell you something that probably won't come as a surprise. Most of these internet server. The providers are in the business to make as much money as possible. And cybersecurity is very much secondary. [00:28:40] They know they talk about it and they talk about software defined networks and things that sound really cool. But in reality, what they give you is. Configured very well and is going to expose you. So make sure you go in, they will set it up. For instance, if they're providing you with television services, they'll set it up so that they can just bypass your firewall and get into the cable box that they installed in your house. [00:29:09] Yeah. Obviously that's not something they should be doing because now they are opening you up to attack. What happens when there's a cybersecurity problem with the cable box? We've seen this problem too, with television vendors where they poke a hole out through your firewall so that they can then gather statistics and do firmer updates and everything else. [00:29:34] It's insane. It really is. These vendors are not thinking about you. They're not thinking about the consequences. It is a very, very sad situation, but now you know what to do and how to do it. Okay. I explained today, firewalls. I explained router. I explained ports, which should be open, which should not be open. [00:29:58] And the reasons why I even mentioned passwords, I get into that in a lot of detail in my bootcamp, Craig peterson.com to get on that waiting list. Craig peterson.com, just subscribe and you'll be kept up to date. [00:30:14] There has been a whole lot of discussion lately about Metta. You might've heard. In fact, you probably did that. Facebook changed its name to Metta and they're aiming for something called the metaverse. So what is it exactly and what's it going to do for or to you? [00:30:32] The metaverse oh my gosh. I had a great discussion this week about the metaverse this came out in, um, and originally anyways, in this novel called the what was it now? [00:30:47] A snow crash. That's what it was 1992, Neil. Stevenson or Steffenson. I'm not sure how he pronounces it, but in this book, which was a cyberpunk model and I've, I've always thought cyber punk was cool. Uh, is the metal versus an imaginary place that's made available to the public over the world wide fiber optics network. [00:31:13] And it's projected onto virtual reality goggles sound familiar yet. And in the. You can build a buildings park signs as well as things that do not exist. In reality, such as vast hovering overhead light show, special neighborhoods were three where the rules of three-dimensional spacetime are ignored and free combat zones where people can go hunt and kill each other. [00:31:42] Great article about this in ARS Technica this week. And, uh, that was a little quote from the book and from the article. Phenomenal idea. Well, if you have read or seen the movie ready player one, and I have seen the movie, but a friend of mine this week said the book is so much better. So I'm going to have to read that book, ready player one. [00:32:06] But in it, you have these people living in. Dystopian future where everything is badly worn down, the mega cities, people building on top of each other and they get their entertainment and relaxation and even make money in. Prison time by being inside this virtual world, they can go anywhere, do anything and play games, or just have fun. [00:32:39] One of the vendors that we work with at my company mainstream has this kind of a virtual reality thing for. I kind of a summit, so people can go and watch this presentation and I think it's stupid, but they, you walk in. And it's, uh, this is just on a screen. They're not using like those Oculus 3d graph glasses, but you walk into an auditorium. [00:33:13] So you've got to make your little avatar walked on. Dun dun, dun dun, dun, dun, dun, dun, dun, and then go to an empty seat. And then you have to make your avatar sit down. Right? I, I have never played a game like this. I never played second life. Never any of that sort of thing. It was kind of crazy to me. And then I was doing a presentation, so I had to go Dundon then, then, then the, up onto the rostrum there and stand behind the podium and, and then put my slides up on this virtual screen. [00:33:49] It was ridiculous. I have a full television production studio here in my, in my lab. Right. And that's, this is where I do the radio show. This is where I do my television appearances. This is where I do pretty much everything. Right. And so what I can do is I can split screen with my face, with the desktop. [00:34:12] You can see my desktop, I can draw on it, circle things, highlight things or whatever I want to do. Right. But no, no, no, no. I was in their virtual reality. And so all I could do is. I have the slides come up. In fact, I had prepared beforehand, pre-taped it? A, the whole presentation, but I couldn't play that video. [00:34:37] No, no, no. I had to show a slide deck, you know, death by PowerPoint. I'm sure you've been there before. It's very, very frustrating in case you can tell for me, well, we've seen this type of thing. I mentioned some of the things like that. I'm in second life. I'm sure you've heard of that before. Sims is another one you've probably heard of before. [00:35:01] These types of semi metaverses have been around a very long time. And, and in fact, all the way on back to the nineties is Habbo hotel. G I don't know if you ever heard of that thing, but it was non-line gaming and social space. I helped to develop one for a client of mine back in the early nineties. [00:35:23] Didn't really go very far. I think it was ahead of its time. It's it's interesting right now, enter. Mark Zuckerberg. Do you remember a few years ago, mark Zuckerberg had a presentation. He was going to make this huge announcement, right? They bought Oculus. What was it? It was like crazy amount of money. And then he came in the back of the hall. [00:35:50] And nobody noticed he walked all the way up to the front and nobody even saw him because they were all wearing these 3d glasses. And of course, today they are huge. They are awkward and they don't look that great, the pictures inside, but the idea is you can move your head around and the figures move as your head moves, almost like you're in the real world. [00:36:13] And that's kind of cool and people thought it was kind of cool and they didn't see Zuckerberg because they all had these things on. And the inside was playing a little presentation about what Facebook was going to do with Oculus. Well, they just killed off the Oculus name anyways here a couple of weeks ago, over at Facebook about the same time that got rid of the Facebook name and went to meta. [00:36:39] The Facebook product is so-called Facebook and it appears what they are going to be doing is taking the concept of a metaverse much, much further than anyone has ever taken it before. They're planning on there's speculation here. Okay. So, you know, don't obviously I don't get invested. I don't give investment advice, investment advice. [00:37:10] Um, but I do talk about technology and, uh, I've been usually five to 10 years. I had so take that as well. They as the grain of salt, but I think what they're planning on doing is Facebook wants to become the foundation for Mehta versus think about things like world of Warcraft, where you've got the. Gain that people are playing. [00:37:39] And it's a virtual reality, basically, right? It might be two D, but some of it's moving into the three-dimensional world. Other games like Minecraft and roadblocks, they have some pretty simple building blocks that people can use network effects and play your creativity to make your little world and the ability. [00:38:04] To exchange and or sell your virtual property. That's where I think Mr. Zuckerberg is getting really interested now because if they can build the platform that everybody else the wants to have a virtual world builds their virtual world on top of. Man, do they have a moneymaker? Now? People like me, we're going to look at this and just poo poo it. [00:38:35] I I'm sure I'm absolutely sure, because it will be another 20 years before you really think it's. You know, some of these scifi shows have talked about it. You know, you can feel someone touching you, et cetera, et cetera. Yeah. That's going to be very crude for a very long time. And now CGI is pretty good. [00:38:57] Yeah. You watch the movies. CGI is great, but that takes weeks worth of rendering time on huge farms, clusters of servers. So it's going to take quite a while. Looking at the normal advancement of technology before this really becomes real. Now there have also been us court cases over who owns what in bad happened with Eve online. [00:39:28] Second life where disagreements over player ownership of the virtual land created by the publisher, which was Linden labs. When. And I've also mentioned in the past how our friends over at the IRS have tried to tax some of the land that you own inside these virtual worlds. So ownership, do you really own it? [00:39:55] Does it really exist? What would non fungible tokens maybe it does. And these non fungible tokens are. Basically just a check, some verification, I'm really oversimplifying of some sort of a digital something rather lately. And initially it was mostly pictures. And so you had a picture of something and you owned that and you could prove it because of the blockchain behind it. [00:40:27] But I think this is where he's really interested because if he can build the base platform. Let the developers come up with the rules of what's it called it a game and come up with what the properties look like and how people can trade them and sell them and what kind of upgrades they can get. Right. [00:40:48] So let's nothing Zuckerberg has to worry about. Uh, Metta or Zuckerberg then worries about, okay. So how do we collect money for these? How do we check with the transactions? Uh, somebody wants to buy those sort of Damocles. How does that transaction work and how do we Facebook Metta? How do we get a slice of the act? [00:41:16] You got to believe that that's where things are going. And if they have the ability to make this base platform and be able to take characters from one part of a developer to another part of the developer, you could have worlds where Gandalf might be fighting bugs bunny. Right? Interesting. Interesting and Warner brothers, all these movie companies would probably be coming out with complete virtual reality. [00:41:49] So when you're watching James Bond, you're not just watching James Bond, you can look around, you can see what's happening. People sneaking up behind. And ultimately you could be James Bond, but that's decades away. I think a good 20 years. All right, everybody. Thanks for sticking around here. Make sure you go online. [00:42:11] Craig peterson.com/subscribe. Get my weekly newsletter. Find out about these free boot camps and other things that I have. So we can keep you up to date and keep you safe. [00:42:25] We already talked about Metta and their name, change the metaverse, but there's something else. Facebook did this last week that surprised a lot of users, something they started in 2010, but has been controversial ever since. [00:42:41] We had a pretty big announcement, frankly, this last week from our friends over at Facebook, not the one where they change their name and the. [00:42:51] Basically trying to create a metaverse platform. That's going to be the one platform that rules the world. Although those are my words by the way. But Facebook has announced plans now to shut down a decade old. Facial recognition system this month. We'll see what they do with this. If they follow through entirely, but they're planning on deleting over 1 billion faces that they have already gone through and analyzed. [00:43:26] You might remember. In 2010, Facebook had a brand new feature. It started announcing, Hey, did you know that so-and-so just posted your picture? Is this you? Is this your friend, is this sewn? So do you remember all of those questions? If you're a Facebook user back in the day? Well, they were automatically identifying people who appeared in digital photos and suggested that users or users tagged them with a click we're going to get to and admitted here. [00:43:57] Uh, and of course that then linked the Facebook account for. The picture that you tagged to the images and let that person know. And of course Facebook's ultimate goal is to get you to stay on long, as long online, as long as possible. Because if you're online, you are going to be looking at ads that are aimed primarily at. [00:44:18] Well, facial recognition has been a problem. We've seen it a worldwide. I just read through a restatement from the electronic frontier foundation, talking about facial recognition and the problems with it, how some people have been arrested based on facial recognition and held for over a day. We'll have cases where the police use to kind of a crummy photograph of them from a surveillance video sometimes also from a police car, in some areas, the police cars are continually taking video and uploading it to the internet, looking for things like license plates, to see if a car. [00:45:00] Parking ticket that hasn't been paid or it hasn't paid us registration all the way through looking at faces, who is this person? And some in law enforcement have kind of thought it would be great to have kind of like Robocop. You remember Robocop, not the ed 2 0 9. There was also in that movie. That's also very scary, but when they look at someone who's on a street at autonomous. [00:45:24] Pops up in their glasses, who it is, any criminal record, if there any sort of a threat to et cetera. And I can understand that from the policemen standpoint. And I interviewed out at the consumer electronic show, a manufacturer of. That technology, it was kind of big and bulky at the time. This was probably about six or eight years ago, but nowadays you're talking about something that's kind of Google glass size, although that's kind of gone by the wayside too. [00:45:54] There are others that are out there that you. Facial recognition. Technology has really advanced in its ability to identify people, but you still get false positives and false negatives. And that's where part of the problem becomes from they have been taking and they been private companies primarily, but also some government agencies they've been taking pictures from. [00:46:21] They can find them. We've talked about Clearview AI before this is a company that literally stole pitchers, that it could get off the internet. They scan through Facebook, Instagram, everywhere. They could find faces and they tied it all back in. They did facial recognition. On all of those photos that they had taken and then sold the data to law enforcement agencies. [00:46:49] There's an app you can get from Clearview AI. That runs on your smartphone and you can take a picture of someone in the street, clear view. AI will run that face through their database and we'll tell you who it is, what their, what their background is, where their LinkedIn page is their Facebook page, wherever it found them online. [00:47:13] Basically what they've been doing. Now Clearview had a problem here this last couple of weeks because the Australian government ordered them to delete all facial recognition, data belonging, to anyone that lives. In Australia. Now that's going to be a bit of a problem for clear view, because it's hard to identify exactly where people live just based on a photograph. [00:47:40] And the United Kingdom is also considering doing this exact same thing. Now, clear views have been sued. They violated the terms of service from Facebook and some of these other sites that I mentioned, but they did it anyway. And clear view was. To destroy all the facial images and facial templates they had retrieved about any Australian. [00:48:08] I think that's probably a pretty good idea. I don't like the idea of this data being out there. Well, if your password is stolen and we're going to be talking about that in our bootcamp, coming up here in a couple of weeks about how to determine if your username or your password is stolen. But, uh, and of course, if you want to get that. [00:48:29] Bootcamp and go to that. There's no charge for it, but you have to know about it. And the only way is to sign up. You have to make sure you're on my email list@craigpeterson.com. But what happens when your email address is stolen or your password, or both are stolen from a web. Oh, typically they end up on the dark web. [00:48:50] They sell personal identification for very little money. In some cases it's only a few dollars per thousand people's identities. It is absolutely crazy. So the bad guys are looking for that information, but you can change your password. You can change your email address, but if your facial information is stolen, Can't change your face. [00:49:18] If your eye print is stolen, you can't change your eye. I have a friend who's pretty excited because he got to go right through the security at the airport ever so quickly. Cause all they had to do was scan his eyeball. Well, that data is valuable data because it cannot be changed. And it can, in some cases be replicated. [00:49:41] In fact, the department of Homeland security and the transportation safety administration had the database of face print stolen from them in 2019. To about 200,000 people's identities were stolen, the face sprints. It's just absolutely crazy. And this was some, a vendor of us customs and border protection. [00:50:05] And it, it, you can't write down to it. I read the detailed report on it just now. And the report that came out of the federal government said, well, it went to a contractor who. Took the data, all of the face prints off site over to their own site. And it wasn't encrypted when they took it over there. But it does mention that it was taken from an un-encrypted system at customs and border protection. [00:50:34] So wait a minute. Now you're blaming the contractor that you hired because it wasn't encrypted and yet you didn't encrypt it yourself either. I, you know, I guess that kind of goes around, but they want to. They want your biometric information just as much as they want anything else. Think about your phones. [00:50:53] Nowadays, apple has done a very good job with the biometrics and the fingerprints and making sure that that information is only ever stored on the phone. It never goes to apple, never leaves the phone it's in what apple calls, the secure long term. And if you mess with it at all, it destroys itself, which is part of the problem with replacing a cracked screen yourself on an iPhone, because you're going to disturb that secure enclave and the phone will no longer work. [00:51:24] That is not true when it comes to many other devices, including most of your Android phones that are out there. It is. So if the bad guys have. Your face print, they, and they can create 3d models that can and do in fact, go ahead and fool it into letting you in that that's information they want. So why are we allowing these companies to like clear view AI? [00:51:52] And others to buy our driver's license photos to the federal government, to also by the way, by our driver's license photos, by them from other sites and also our passport information. It's getting kind of scary, especially when you look into. China has a social credit system. And the Biden administration has made rumblings about the same here in the U S but in China, what they're doing is they have cameras all over the place and your faces. [00:52:27] And they can identify you. So if you jaywalk, they take so many points off of your social credit. If you don't do something that they want you to do or be somewhere, they want you to be, you lose credits again, and you can gain them as well by doing various things that the government wants you to do. And. [00:52:49] And ultimately, if you don't have enough social credit, you can't even get on a train to get to work. But the real bad part are the users. This is a minority in China and China's authorities are using. Us facial recognition, technology and artificial intelligence technology. Hey, thanks Google for moving your artificial intelligence lab to China in order to control and track the users. [00:53:19] Absolutely amazing in the United States law enforcement is using this type of software to aid policing, and we've already seen problems of overreach and mistaken IRS. So Facebook to you're leading a billion of these frameworks. If you will, of people's faces biometrics. Good for them. Hopefully this will continue a tread elsewhere. [00:53:46] Well, we've talked a little bit today about firewalls, what they do, how your network is set up. If you miss that, make sure you catch up online. My podcast@craigpeterson.com, but there's a whole new term out there that is changing security. [00:54:03] It's difficult to set up a secure network. [00:54:07] Let's just say mostly secure because if there's a power plug going into it, there's probably a security issue, but it's difficult to do that. And historically, what we've done is we've segmented the networks. So we have various devices that. Maybe be a little more harmful and on one network, other devices at a different level of security and many businesses that we've worked with, we have five different networks each with its own level of secure. [00:54:38] And in order to get from one part of the network, for instance, let's say you're an accounting and you want to get to the accounting file server. We make sure your machine is allowed access at the network level. And then obviously on top of that, you've got usernames and passwords. Maybe you've got multifactor authentication or something else. [00:54:59] I'll make sense, doesn't it? Well, the new move today is to kind of move away from that somewhat. And instead of having a machine or a network have firewall rules to get to a different network or different machine within an organization. There's something called zero trust. So again, think of it. You've, you've got a network that just has salespeople on it. [00:55:25] You have another network that might have just your accounting people. Another network has your administrative people and other network has your software developers, et cetera. So all of these networks are separate from each other and they're all firewalled from each other. So that only for instance, at county people can get to the accounting server. [00:55:44] Okay, et cetera. Right? The sales guys can enter the sales data and the programmers can get at their programs. And maybe the servers that are running their virtual machines are doing testing on what was zero trust. It is substantially different. What they're doing with zero trust is assuming that you always have to be authentic. [00:56:11] So instead of traditional security, where, where you're coming from helps to determine your level of access, you are assuming that basically no units of trust. So I don't care where you're coming from. If you are on a machine in the accounting department, We want to verify a lot of other information before we grant you access. [00:56:38] So that information probably does include what network you're on. Probably does include the machine you're on, but it's going to all. You as a user. So you're going to have a username. You're going to have an ID. You're going to have a multi-factor authentication. And then we're going to know specifically what your job is and what you need to have specific access. [00:57:04] Because this follows the overall principle of least privilege to get your job done. Now you might've thought in the past that, oh my gosh, these firewalls, they're just so annoying. It's just so difficult to be able to do anything right. Well, zero trust is really going to get your attention. If that's what you've been saying. [00:57:23] But here's an example of the traditional security approach. If you're in the office, you get access to the full network. Cause that's pretty common, right? That's not what we've been doing, but that's pretty common where we have been kind of working in the middle between zero trust and this traditional you're in the office. [00:57:41] So you can potentially get it. Everything that's on the off. And if you're at home while all you have to do is access a specific portal, or as I've explained before, well, you are just connecting to an IP address in a hidden port, which won't remain hidden for. So maybe in a traditional security approach, the bouncer checks your ID. [00:58:08] You can go anywhere inside this club and it's multi floor, right. But in a zero trust approach, getting into the club, having that bouncer look at your ID is only the first check, the bartender or the waiter. They also have to check your ID before you could be served. No matter where you are in the club and that's kind of how they do it right now, though, they'll make a mark on your hand or they'll stamp it. [00:58:35] And now they know, okay, this person cannot get a drink for instance. So think of it that way, where every resource that's available inside the business independently checks whether or not you should have access to. This is the next level of security. It's something that most businesses are starting to move towards. [00:58:57] I'm talking about the bigger guys, the guys that have had to deal with cybersecurity for awhile, not just the people who have a small business, most small businesses have that flat network that. Again about right. The traditional security approach of all you're in the office. So yeah, you can get at anything. [00:59:15] It doesn't matter. And then you, you have the sales guys walking out with your client list and who knows what else is going on? Think of Ferris, Bueller, where he was updating his grades and miss days at high school, from his home computer. And you've got an idea of why you might want to secure. You are network internally because of, again, those internal threats. [00:59:40] So keep an eye out for it. If you're looking to replace your network, obviously this is something that we've had a lot of experience with. Cisco is probably the best one out there for this, but there are a few other vendors that are pretty good. If you want to drop me an email, I'll put together a list of some of the top tier zero. [01:00:02] Providers so that you can look at those. I don't have one right now, but I'd be glad to just email me M e@craigpeterson.com. We can point you in the right direction, but if you have an it person or department, or whether you outsource it to an MSP, a managed services provider, make sure you have the discussion with them about zero. [01:00:28] Now, when I'm looking at security, I'm concerned about a bunch of things. So let me tell you something that Karen and I have been working on the last, oh man, few weeks. I mentioned the boot camp earlier in the show today. And one of the things that we're going to do for those people that attend the bootcamp is I think incredible. [01:00:49] This has taken Karen so much time to dig up. Once she's done is she's worked with me to figure out what are the things that you need to keep tabs on. Now, again, this is aimed primarily at businesses, but let me tell you, this is going to be great for home users as well. And we've put together this list of what you should be doing. [01:01:15] About cybersecurity every week. And in fact, a couple of things that are daily, but every week, every month, every quarter, every six months and every year, it's a full checklist. So you can take this and sit down with it and, you know, okay. So I have to do these things this week and this isn't. Response to anything in particular, it does meet most requirements, but frankly, it's something that every business should be doing when it comes to the cybersecurity. [01:01:53] It includes things like passwords. Are they being done? Right? Did you do some training with your employees on fishing or a few other topics all the way on down to make sure you got some canned air and blew out the fan? In your workstations, you'd be amazed at how dirty they get. And he is the enemy of computers that makes them just fail much, much faster than, than 82, same thing with server. [01:02:22] So it is everything. It is a lot of pages and it is just check she'd made it nice and big. Right. So even I can read it. But it's little check marks that you can mark on doing while you're going through it. So we're doing some more work on that. She's got the first couple of iterations done. We're going to do a couple more, make sure it is completely what you would need in order to help keep your cyber security in. [01:02:50] But the only way you're going to get it is if you are in the BR the bootcamp absolutely free. So it was this list, or of course you won't find out unless you are on my email list. Craig Peterson.com/subscribe. [01:03:06] One of the questions I get asked pretty frequently has to do with artificial intelligence and robots. Where are we going? What are we going to see first? What is the technology that's first going to get into our businesses and our homes. [01:03:22] Artificial intelligence is something that isn't even very well-defined there's machine learning and there's artificial intelligence. [01:03:33] Some people put machine learning as a subset of artificial intelligence. Other people kind of mess around with it and do it the other way. I tend to think that artificial intelligence is kind of the top of the heap, if you will. And that machine learning is a little bit further down because machines can be programmed to learn. [01:03:54] For instance, look at your robot, your eye robot cleans the floor, cleans the carpet. It moves around. It has sensors and it learned, Hey, I have to turn here. Now. I robot is actually pretty much randomly drew. But there are some other little vacuum robots that, that do learn the makeup of your house. The reason for the randomization is while chairs move people, move things, move. [01:04:22] So trying to count on the house, being exactly the same every time isn't isn't exactly right. Uh, by the way, a lot of those little vacuums that are running around are also sending data about your house, up to the manufacturer in the. So they often will know how big the house is. They know where it's located because you're using the app for their robot. [01:04:47] And that, of course it has access to GPS, et cetera, et cetera. Right. But where are we going? Obviously, the little by robot, the little vacuum does not need much intelligence to do what it's doing, but one of the pursuits that we've had for. Really since the late nineties for 20, 25 years are what are called follower robots. [01:05:13] And that's when I think we're going to start seeing much more frequently, it's going to be kind of the first, um, I called it machine learning. They call it artificial intelligence who you really could argue either one of them, but there's a little device called a Piaggio fast forward. And it is really kind of cool. [01:05:34] Think of it almost like R2D2 or BB eight from star wars following you around. It's frankly, a little hard to do. And I want to point out right now, a robot that came out, I think it was last year from Amazon is called the Astro robot. And you might remember Astro from the Jetsons and. This little robot was available in limited quantities. [01:06:01] I'm looking at a picture of it right now. It, frankly, Astro is quite cute. It's got two front wheels, one little toggle wheel in the back. It's got cameras. It has a display that kind of makes it look like kids are face, has got two eyeballs on them. And the main idea behind this robot is that it will. [01:06:23] Provide some protection for your home. So it has a telescoping camera and sensor that goes up out of its head up fairly high, probably about three or four feet up looking at this picture. And it walks around your one rolls around your home, scanning for things that are out of the normal listening for things like windows breaking there, there's all kinds of security. [01:06:50] That's rolled into some of these. But it is a robot and it is kind of cool, but it's not great. It's not absolutely fantastic. Amazon's dubbing the technology it's using for Astro intelligent motion. So it's using location and mapping data to make sure that Astro. Gets around without crashing into things. [01:07:18] Unlike that little vacuum cleaner that you have, because if someone loves something on the floor that wasn't there before, they don't want to run over it, they don't want to cause harm. They don't want to run into your cats and dogs. And oh my maybe lions and bears too. But, uh, they're also using this computer vision technology called visual ID and that is used. [01:07:41] With facial recognition, drum roll, please, to recognize specific members of the family. So it's kind of like the dog right in the house. It's sitting there barking until it recognizes who you are, but Astro, in this case, Recognizes you and then provide you with messages and reminders can even bring you the remote or something else and you just drop it in the bin and off it goes. [01:08:08] But what I am looking at now with this Piaggio fast forward, you might want to look it up online, cause it's really. Cool is it does the following, like we've talked about here following you around and doing things, but it is really designed to change how people and goods are moving around. So there's a couple of cool technologies along this line as well. [01:08:35] That it's not, aren't just these little small things. You might've seen. Robots delivery robots. The Domino's for instance, has been working on there's another real cool one out there called a bird. And this is an autonomous driving power. Basically. It's a kind of a four wheel ATV and it's designed to move between the rows of fruit orchards in California or other places. [01:09:01] So what you do to train this borough robot is you press a follow button on it. You start walking around the field or wherever you want it to go. It's using, uh, some basic technology to follow you, cameras and computer vision, and it's recording it with GPS and it memorizes the route at that point. Now it can ferry all of your goods. [01:09:29] Around that path and communicate the path by the way to other burrow robots. So if you're out doing harvesting or whether it's apples out in the east coast, or maybe as I said out in California, you've got it. Helping you with some of the fruit orchards. It's amazing. So this is going to be something that is going to save a lot of time and money, these things, by the way, way up to 500 pounds and it can carry as much as a half a ton. [01:09:58] You might've seen some of the devices also from a company down in Boston, and I have thought that they were kind of creepy when, when you look at it, but the company's called Boston dynamics and. They were just bought, I think it was Hondai the bought them trying to remember. And, uh, anyway, These are kind of, they have robots that kind of look like a dog and they have other robots that kind of look like a human and they can do a lot of different chores. [01:10:33] The military has used them as have others to haul stuff. This one, this is like the little dog, it has four legs. So unlike a lot of these other robots that are on wheels, this thing can go over very, very. Terrain it can self write, et cetera. And they're also using them for things like loading trucks and moving things around, um, kind of think of Ripley again, another science fiction tie, uh, where she's loading the cargo in the bay of that spaceship. [01:11:05] And she is inside a machine. That's actually doing all of that heavy lifting now. Today, the technology, we have a can do all of that for us. So it is cool. Uh, I get kind of concerned when I see some of these things. Military robots are my favorite, especially when we're talking about artificial intelligence, but expect the first thing for these to be doing is to be almost like a companion, helping us carry things around, go fetch things for us and in the business space. [01:11:40] Go ahead and load up those trucks and haul that heavy stuff. So people aren't hurting their backs. Pretty darn cool. Hey, I want to remind you if you would like to get some of the free training or you want some help with something the best place to start is Craig peterson.com. And if you want professional help, well, not the shrink type, but with cyber security. [01:12:06] email me M E at Craig peterson.com. [01:12:10] Just in time for the holidays, we have another scam out there and this one is really rather clever and is fooling a lot of people and is costing them, frankly, a whole lot of money. [01:12:26] This is a very big cyber problem because it has been very effective. And although there have been efforts in place to try and stop it, they've still been able to kind of get ahead of it. There's a great article on vice that's in this week's newsletter. In my show notes up on the website and it is talking about a call that came in to one of the writers, Lorenzo, B cherry, um, probably completely messy and that name up, but the call came in from. [01:13:03] Supposedly right. Paid pals, uh, fraud prevention system. Someone apparently had tried to use his PayPal account to spend $58 and 82 cents. According to the automated voice on the line, PayPal needed to verify my identity to block the transfer. And here's a quote from the call, uh, in order to secure your account, please enter the code we have sent to your mobile device. [01:13:32] Now the voice said PayPal, sometimes texts, users, a code in order to protect their account. You know, I've said many times don't use SMS, right? Text messages for multi-factor authentication. There are much better ways to do it. Uh, after entering a string of six digits, the voice said, thank you. Your account has been secured and this request has been blocked. [01:13:57] Quote, again, don't worry. If any payment has been charged your account, we will refund it within 24 to 48 hours. Your reference ID is 1 5 4 9 9 2 6. You may now hang up, but this call was actually. Hacker they're using a type of bot is what they're called. These are these automated robotic response systems that just dramatically streamlined the process for the hackers to gain access into your account. [01:14:31] Particularly when you have multi-factor authentication codes where you're using. An SMS messages, but it also works for other types of one-time passwords. For instance, I suggest to everybody and we use these with our clients that they should use something called one password.com. That's really you'll find them online. [01:14:54] And one password.com allows you to use and create one time password, same thing with Google authenticator, same thing with Microsoft authenticator, they all have one-time password. So if a bad guy has found your email address and has found your password online in one of these hacks, how can they possibly get into your PayPal account or Amazon or Coinbase or apple pay or. [01:15:26] Because you've got a one time password set up or SMS, right? Multifactor authentication of some sort. Well they're full and people and absolute victims. Here's what's happening. Th this bot by the way, is great for bad guys that don't have social engineering skills, social engineering skills, or when someone calls up and says, hi, I'm from it. [01:15:51] And there's a problem. And we're going to be doing an upgrade on your Microsoft word account this weekend because of a bug or a security vulnerability. So what, what I need from you is I need to know what username you're normally using so that I can upgrade the right. So we don't, it doesn't cost us a whole bunch by upgrading accounts that aren't being used. [01:16:15] So once the account name that you use on the computer and what's the password, so we can get in and test it afterwards, that's a social engineering type attack. That's where someone calls on the phone, those tend to be pretty effective. But how about if you don't speak English very well? At all frankly, or if you're not good at tricking people by talking to them, well, this one is really great. [01:16:44] Cause these bots only cost a few hundred bucks and anybody can get started using these bots to get around multi-factor authentication. See, here's how it works. In order to break into someone's account, they need your username, email address and password. Right? Well, I already said. Much many of those have been stolen. [01:17:07] And in our boot camp coming up in a few weeks, we're going to go through how you can find out if your username has been stolen and has been posted on the dark web and same thing for your password. Right? So that's going to be part of the. Coming up that I'll announce in the newsletter. Once we finished getting everything already for you guys, they also go ahead and buy what are called bank logs, which are login details from spammers who have already tricked you into giving away some of this information. [01:17:41] But what if you have multi-factor authentication enabled something I'm always talking about, always telling you to do. Well, these bots work with platforms like Twilio, for instance, uh, and they are using other things as well, like slack, et cetera. And all the bad guy has to do with that point is going. [01:18:07] And, uh, say, they're trying to break into your account right now. So they're going to, let's get really, really specific TD bank. That's where my daughter works. So let's say you have a TD bank account. And the hacker has a good idea that you have a TD bank account knows it because they entered in your username and password and TD bank was letting them in. [01:18:32] But TD bank sent you a text message with that six character code, right? It's usually digits. It's usually a number. So what happens then? So the bad guys says, okay, so it's asking me for this six digit SMS

Welcome to Episode 111b Announcements Patreon Update name_pending197 Jérémy Arinomi Andrew Tatro Bruce Robert Matt David S0l3mn Trooper_Ish LiNuXsys666 gimpyb Mark DeMentor Jon Marc Julius Andi J Charles 22532 Get your Iron Sysadmin Merch at Teespring! https://teespring.com/stores/ironsysadmin  Support the Iron Sysadmin Podcast AND try out Riverside.fm by using this link: https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=ironsysadmin  BSides Delaware is happening NOW Reviews Nothing New Chat unclemarc Goals: Rise of the Resistance, build a BB droid, Universal on Thursday, moar selfies with princesses The new Animal Crossing update and DLC are here! Going on vacation this Sunday to Disney Nate Valve index “knuckles” controllers New vr controllers Working my way through the Dresden files.. Again. Learning to airbrush acrylic paint… for the creepy doll.  News https://boingboing.net/2021/11/09/an-apple-1-computer-hand-built-by-jobs-and-wozniak-sells-for-400000.html https://www.vice.com/en/article/g5qbq4/robinhood-says-it-was-hacked-and-extorted-but-nobody-lost-any-money https://www.theverge.com/2021/11/11/22774301/patreon-jack-conte-video-player-podcast-youtube-launch    Watch us live on the 2nd and 4th Thursday of every month! Subscribe and hit the bell! https://www.youtube.com/IronSysadminPodcast  OR https://twitch.tv/IronSysadminPodcast   Discord Community: https://discord.gg/wmxvQ4c2H6  Find us on Twitter, and Facebook! https://www.facebook.com/ironsysadmin https://www.twitter.com/ironsysadmin Subscribe wherever you find podcasts! And don't forget about our patreon! https://patreon.com/ironsysadmin   Intro and Outro music credit: Tri Tachyon, Digital MK 2http://freemusicarchive.org/music/Tri-Tachyon/ 

Happy Friday, Blue Ballers! This week on Balls Deep, Rachel gets her titties painted, Arielle has a tipsy meet-cute at a vintage store, and together they roast No Nut November and praise Netflix's Big Mouth. The girls schmooze about censorship and  OnlyFans' newest creator: a museum in Vienna. Tune in to learn about the world's first unisex condom, why we self-sabotage relationships, and the importance of establishing a “shared reality” with your partner.  Can the spiritual be sexual? Jewish-Mexican witch and sex magick expert Gabriela Herstik says YES! The author of Embody Your Magick teaches the girls how to harness the power of their orgasms and opens up about finding community in kink. Devoted to the Goddess of Love, Gaby shares how to step up your glamour game and how infusing magick into her beauty routine is her way of honoring her Holocaust survivor grandmother.  Okay, so… a Blue Baller made a sex tape and has questions about female ejaculate, and another BB wants advice on orgasming during sex without a vibrator. Got a question? Call 8555-OKAYSO Follow us everywhere @ballsdeepwith Follow Gabriela Herstik @gabyherstik BBoutique —> Get 15% off sex toys with code BALLSDEEP15 Bellesa Plus —> Pay what you want for the Netflix of Porn Powered by Bellesa

Also featured: Brothels offering incentives for people who get the vaccine! Casualties found from BB guns and underwater torpedos! Going to Disneyland for the first time in years! First Concert alone! Slang Trivia with Matt Drumm! The Boys' Room featuring weeping boys, and asking out your teacher! E-mail us your questions & any advice topics you want us to tackle on "The Boys' Room!" - Drummanddrummerpodcast@gmail.com Check us out at: Instagram - @drummpodcast Tiktok - @drummpodcast

Det är Singles day och längst fram i frontlinjen i singlarnas kamp står Ayan Jamal, som också hoppar in som Kodjo idag. Det är dags för en revolution mot alla par som dominerar i samhället. Tillsammans står vi också upp mot fullkorn och slår ett slag för det vita fiberlösa brödet. Dagens gäst är barnmorskan och influencern Asabea Britton. Vi snackar BB-krisen, orgasmic birth och om att föda hemma. Programledare: Linnea Wikblad, David Druid och Ayan Jamal. 

Although we talk about some silly things in the beginning this episode also deals with true life emotions. For example, thinking you might have made it out of a situation ok only to discover many times that you still have a pretty long way to go to dig your way out of that hole. Many more hours need to be poured into changing and rewriting what might have looked easy but actually needs a few more edits. PK has a certain way of looking at situations nowadays that just a few years ago would have crushed him or taken him to a dark place. He helps paint you pictures with BK on how he tries to change his day by looking at life in a more open, honest and positive way now. This episode might be serious in the way PK talks about his struggles but he is always trying to use fun analogies to help listeners understand that though life is tough we can still go through it all with a smile and laugh. We shouldn't take ourselves too seriously because that makes it hard to work on ourselves. One thing that really stands out in B&B, thanks to PK following a man named Gary Vaynerchuk(better known as Garyvee), is PK is truly seeing how gratitude in life not only helps him but those around him… and realizing that those around him may be having a much worse day.Garyvee's YouTube channel… it's worth spending some time on!https://www.youtube.com/c/garyvee0:00 Welcome to B&B5:30 You have lots to do…10:30 I get down on myself18:55 If I snap at you… not good29:20 Drink that post workout smoothie at a park35:50 That little bit of Gratitude44:30 Multiple messages of love50:00 Once again I messed up55:30 B&B's new motto#weeklypodcast #podcastshow #humpday #backyards #bevvies #bottomsup #midweektreat #BTG #marriage #comedy #parenting #life #drama #interview #friendsPodcast https://backyardsandbevvies.simplecast.com/YouTubehttps://www.youtube.com/c/BackyardsBevviesPodcastInstagram https://instagram.com/backyardsbevviesFacebook https://www.facebook.com/backyardsbevviesTwitter https://twitter.com/backyardbevviesTikTok https://www.tiktok.com/@backyardsandbevvies?lang=enPatreon https://www.patreon.com/backyardsbevvies

I want a BB gun for Christmas!  Nah, not really.  But my kids do.  We discuss this idea along with other gifts commonly considered dangerous while enjoying West Sixth Brewing from Lexington, Kentucky.  

Ashley Hosmer is a beloved content creator known not just for her amazing eye for interior design, but for her nose for candles as well. In this episode, we discuss what Ashley's home smells like, how she went from a candle lover to tastemaker, plus Ashley gives us the low-down on all the candle jargon you need to know (by the end of this episode, you'll be casually weaving words like 'tunnel,' 'throw,' and 'vessel' into your everyday conversations). We talk best affordable candles, what makes a candle ‘high quality' and what that typically costs, overrated brands, the scents (perfumes included) we just can't quit, the ultimate cool-girl smell, the Dehv/Ouai controversy (IYKYK), plus Ashley waxes poetic (dont @ me about these candle puns) on her top 3 burns of all time. FOLLOW ASHLEY: IG: @ashleyhosmer // TT: @ashley.hosmer SHOP HER DISCOUNTS: https://linktr.ee/ashleyhosmer CHECK OUT THE INFAMOUS GOOGLE DOC: shorturl.at/fjABL CANDLES MENTIONED: Cire Trudon, P.F. Candle Co., Norden Ojai, Overose Nudesse, East York Street, Roen Ojai Nuit, Shrine Candles, Diptyque, Otherland Sriracha Rose, Otherland Berkshires Granola, Otherland Spice it Up, Ouai Candles, Dehv Candles, BB&W candles, Stevie Venus FRAGS MENTIONED: Maison Crivelli: Papyrus Moléculaire, Iris Malikhân, Citrus BatiKanga, Bois Datchai, Le Labo Vanille 44, Le Labo Neroli 36, BDK Gris Charnel, Juicy Couture, Abercrombie Fierce PERFUME 101: Headspace Technology FOLLOW PERFUME ROOM: IG: @perfumeroompod @emmvern // TT: @emma_vern

BB is charged up today! His name is Ben Baller, not Ben Humble & he's here to discuss: Passing 3 Million Downloads this year, 2 Day Trip to NYC for KAWS collaboration, the first night with The Big Apple, Doge Meet Up, Crypto & NFT Pumps/Dumps, meeting with a Billionaire, before you get married, Kanye West on Drink Champs about Big Sean, That Willie Hutch Treatment on loan from I AM RAPAPORT: STEREO PODCAST, what he's watching, what he's watching, LeBron being injured, Joc winning back to back World Series', pulling a Trout Auto, NFL Sunday, Plant vs. Canelo, driving the Senna & The Car Game, owning a virtual dispensary & more this episode is not to be missed! This Episode is Brought To You By: www.MackWeldon.com/Baller  www.NetSuite.com/Baller www.Theragun.com/Baller www.Shopify.com/Baller www.VitaminWater.com If you are interested in MLB, NBA, NFL & UFC Picks daily, weekly or monthly subscribe at www.CaptainPicks.com & Follow @TheCaptainPicks on Instagram Produced by: DBPodcasts www.dbpodcasts.com Follow @dbpodcasts on Instagram & Twitter Music by @lakeyinspired Available on all Podcast Platforms, YouTube & BehindTheBallerPod.com Behind The Baller Theme Music  Artist: Illegal Kartel (@illegal_kartel_mikal_shakur) Produced by: Gene Crenshaw @yuyuthemaker

Jesse, from Youtube Channel Backcountry Forward, joins the show to discuss the highs and lows of hiking the Great Divide Trail. Which gear choices held up over the long haul? Which gear did not? And, is it possible to tear apart gear with "trail strength"? Also, Carl thinks Derek is making up trivia questions on the spot (which is why they don't make sense half the time). Follow Jesse on Instagram! Check out our new sponsor Zoleo for a great deal on a backcountry Satellite Communicator! GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our other wonderful sponsors Summit Strength and Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

Strength Do you believe in miracles? Kat Kanavos interviews 3 Miracle authors who found their inner Strength resulting in a Miracle in the Sacred Stories Series Books-Mayhem to Miracles: Transformational Stories of Hope… Yes! Miracles are Real! And the book Mayhem to Miracles: Sacred Stories of Transformational Hope proves it. Grab your box of tissues and join us as we cry, cringe, and laugh our way through the real-life stories of everyday miracles. Like Hope, Strength is also a shining beacon that can change the course of illness, the future, love, and our lives. Miracles go hand-in-hand with Strength. Experience modern-day miracles as thirty inspiring individuals move through the mayhem of physical challenges, abusive relationships, addictions, lost and found love, and more into their Miracle. When Barbara Bertucci (aka BB) is diagnosed with breast cancer, her great awakening begins to change her world for the better. Quote: “A miracle is what happens when you wake up one day, and you are there, and you don't recall all the necessary steps it took to get you there.” In her search for sobriety, Dr. Anne Worth finds God. Quote: As I exited the treatment center, a sign on the inside wall declared: “You are a miracle.” A devastating medicine combination leaves Rev. Sandra Kitt in a medical coma. When she regains consciousness, she can only blink and move her pinky finger. Today she is a recovered and active Rev. at St. Petersburg Unity Church. Quote:“My biggest learned lesson is that there is always hope, no matter how bad the circumstances. I could not always see people's challenges, so I learned to be kind to everyone and grateful for everything.” Guest Bios: Barbara A. Bertucci (aka BB) is an intuitive healer, wellness consultant, and an animal life rights advocate. www.ForeverYoungSolutions.          Dr. Anne Worth is a Christian author, speaker, counselor, and workshop leader. She has a heart for animals and people, especially those in need of fostering. Anne serves the homeless and refugee communities in Dallas,Texas. Her mission is to “champion the forgotten.” https://dranneworthauthor.com/  Rev. Sandra Kitt- is an author, Ret. Major in the United States Army, Teacher, Counselor, and currently part of the First Unity Ministry team in St. Petersburg, Florida, Committed to helping people thrive.  www.ThrivingHeartsMinisteries.com Video Version: https://youtu.be/ZYVV7QA1PzU Call in and Chat with Kat during Live Show with Video Stream: Call 646-558-8656 ID: 8836953587 press #.  To Ask a Question press *9 to raise your hand Have a Question for the Show? Go to Facebook– Dreams that Can Save Your Life Facebook Professional–Kathleen O'Keefe-Kanavos http://kathleenokeefekanavos.com/

This week, the gang gather up to review an album from bands they've never really checked out before. Dylan offers up Lamb of God's "Ashes of the Wake," BC puts forward Crashdiet's "Rest in Sleaze," Steve has Volbeat's "Outlaw Gentlemen and Shady Ladies," and BB gives Hardcore Superstar's "You Can't Kill My Rock and Roll" a try. Which of the gang cheated with his pick? Which album is great instrumentally but suffers vocally? Tune in to find out!   Hosted by Steve Wright, Brian "BC" Chapman and Ryan "BB" Bannon Produced by Dylan Wright Music by Mark Sutorka Spotify Playlist: https://open.spotify.com/playlist/2hNJHJIMxz0wgycl6VtakH?si=02a1bc83122f4a4d Facebook: https://www.facebook.com/PTHpodcast 

Роман продолжает тренировать Андрея и рассказывает, как выстраивать свое питание. ⠀ Темы 00:00:00 — Вступление 00:02:06 — Как выстраивать свое питание. От чего отталкиваться при расчёте питания и что такое безжировая масса тела. Термический эффект пищи 00:14:17 — Мифы о «разгоне» метаболизма. Калорийность пищи. Приготовление еды в домашних условиях 00:18:50 — Разбор БЖУ в рационе Андрея. Сколько организм получает энергии от белка 00:40:42 — Рекомендации по питанию и пример рациона 00:44:28 — Заключение и прощание Фотографии тренировочного прогресса Андрея (https://disk.yandex.ru/d/nWHeQNqmaTQnbA) ⠀ Видео с упражнениями Приседания с штангой (https://youtu.be/uqjFx48zHTM) Кубковые приседания (https://youtu.be/-uSKBIS4Zbw) Выпады на месте (https://youtu.be/DtLjBT6Rb2E) Мертвая тяга (https://youtu.be/JuRCPHDghhU) Тяга штанги в наклоне (https://youtu.be/dSXEoSJsnIY) Тяга гантелей в наклоне (https://youtu.be/oXAQE6zXdmE) Жим штанги лежа (https://youtu.be/aoSj5P6YVdc) Жим штанги узким хватом (https://youtu.be/iI9DBEPyM4s) Армейский жим (https://youtu.be/W96fK0RUr_E) Тяга штанги к подбородку (https://youtu.be/2oPEsG2HBus) ПШНБ с EZ-грифом (https://youtu.be/8hCrH8BVXkw) Французский жим (https://youtu.be/VvUnOodgOM4) Пресс, скручивания (https://youtu.be/1MTcFl3peSQ) Гиперэкстензия (https://youtu.be/M5tzszlWGPw) ⠀ Контакты

Ashley Kehr Holds Degrees in Financing and Public Accounting and is a License Insurance Agent. She Purchased Her First Rental Property in 2014 and since then has Grown her Buy and Hold Portfolio Consisting of Residential Property, Commercial Property and Mobile Home Parks. Ashley is also the co-host of the BiggerPockets Real Estate Rookie Podcast with a Goal to help Newbies figure out the Actionable Steps Necessary to get their first deal. Currently, Ashley lives near Buffalo, NY on a Dairy Farm with her husband and three boys. She Spends most of her time Educating New Investors, Analyzing deals, Seeking the Next Adventure, and living a spontaneous life. In this episode we talked about: Ashley's Bio & Background Property Management The First Duplex Deal Investing in Mobile Home Parks A Pivot to Camp Grounds The Underwriting for Camp Grounds Regulatory Environment The Philosophy of the Trade-off between Potential Income and Value Real Estate Risks and Opportunities in the Next 2 years Mentorship, Resources and Lessons Learned Useful links: https://www.instagram.com/wealthfromrentals/?hl=en Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, my name is Jesper gala and you're listening to working capital the real estate podcast. My special guest today is Ashley Kerr. Ashley holds degrees in finance and public accounting and is a licensed insurance agent.   She purchased her first rental property in 2014 and has since grown her buy and hold portfolio consisting of residential property, commercial property and mobile home parks. Ashley is also the cohort cohost of the bigger pockets, real estate rookie podcast with a goal to help newbies in real estate, figure out the actual steps necessary to get their first deal. Currently. Ashley, we just talked about this. You live near Buffalo, New York on a dairy farm of all things with your husband and three boys. How are you doing   Ashley (1m 2s): Good. Thank you so much for having   Jesse (1m 3s): Me right on. So I guess just on that, on that point, you are in Buffalo, so we're probably just a two hour drive away from each other. The dairy farm is that that's a family run thing or?   Ashley (1m 15s): Yeah, so my husband's family, he's third generation. And basically when I moved out of my parents' house, I moved to here and lived down the pharmacist.   Jesse (1m 25s): I love it. We were just chatting before the show. I'm kind of on the heels of, of BP con in new Orleans. Ashley was, you were speaking on a panel, you mentioned before. It was a panel of, I guess, women in real estate. Is that correct?   Ashley (1m 40s): It was all about women that have succeeded in real estate and their advice to inspire other women to get started.   Jesse (1m 49s): Awesome. Great. Well, like they can attest to the fact that we had a great time out there. Didn't cross paths at this time, but maybe next year at next BB con.   Ashley (2m 0s): Yeah, definitely. I there's so many people there so many awesome people to me, it's hard to even get from point a to B because you just run into people. Maybe you met online or people you wanted to meet or just, you know, somebody that comes up to you that heard your story. Yeah.   Jesse (2m 15s): I couldn't agree more Ashley for our listeners that don't know you have a really great presence online, Instagram kind of showcases some of the stuff you're doing, but for those that don't don't know your background, could you give us a little bit of a background of, you know, how you started out, how you got into this world of real estate that we, that we all love?   Ashley (2m 36s): Yeah, of course I, so when I graduated college, I got married and I started working at a CPA firm and I was going to get licensed as a CPA and just work as an accountant. Well, I lasted about six months and I really hated it. So I ended up quitting my job and I was just going to be a stay at home mom. I was going to get pregnant, have babies and live on the farm. Well, about two weeks into my unemployment, my friend's dad approached me and he had a 40 unit apartment complex that he wanted me to run for him.   And so I agreed I could do it from home. It would be part-time. And basically from there, I grew a property management company for himself, for him and all of his properties. It ended up being about 80 residential and about 20 commercial properties that I was managing for him. So to start my first deal, I actually approached his son and said, look what your dad is doing. We should do this. And we bought our first duplex in 2014. And that was how I got started.   Just kind of watching somebody else learning from him and working for him. I gained a lot of experience and knowledge.   Jesse (3m 49s): That's incredible. And that was only, I mean, 2014, right? Not too long ago. Yeah. So in terms of basically saying here's a 40 unit apartment, what were the details, was that, was that something local that you could do or was it, you know, it wasn't across state lines.   Ashley (4m 6s): Yeah, it was right in the town, you know, 10 minutes from my house as in the town that I had gone to high school. And so I knew the town very well. It was very convenient to get to. And I started off with a small little office there that I could go to if need be. And actually just my first day was the first of the month. It was April 1st, 2013. And so all the rent checks are coming in and I was like so nervous that I wasn't going to track them properly. That all 40 checks that came in, I actually photocopied all of them before I actually deposited them.   And I spent pretty much, it took me, I think like full two full years to actually build out my systems and processes for property management. But it was definitely a learning experience. I ripped my hair out a lot. I cried and life is much better now not doing property management. I ended up outsourcing property management to a third party in February, 2020. So I gave up the property management on my properties and also with the same investor. So now I just do asset management for both of us.   Jesse (5m 11s): Was there a reason that a, that person had had come to you for managing that, that 40 unit? Or was it just happenstance?   Ashley (5m 21s): I actually grew up next door to him, his daughter and I were best friends growing up. And I actually went on vacation with their family when I had just quit my job just because I had nothing else to do. And I that's where they were talking about who needs help. And I think there was kind of this mindset. They had that because I was an accountant. I was capable of managing and running a building, which really wasn't true. I could do the bookkeeping for it. But as far as I had to spend a lot of time learning the rules, the regulations and stuff like that and how to make it actually run efficiently.   So, but that was really just it. The, it was more his wife and his kids like pushing him. You need somebody to help you. And so I ended up doing a lot of admin stuff for him too in personal assistant stuff. And then he brought me in an all these projects. I helped him build a 40,000 square foot dealership. I helped him purchase a dealership. I helped him start an insurance agency. So I'm so grateful for him, for him because he brought me in on so many opportunities that a lot of people don't have that I guess, advantage.   Jesse (6m 32s): Yeah, for sure. It's like the school of hard knocks for a few real estate. So property management is, is one of those professions where it's, it's a lot of hard work. It's a lot it's can be a very stressful job. And usually when you're doing a great job of it, nobody calls you and says, Hey, you're doing a great job. So usually you get the call when there's an issue. How did you, well, I guess first, when did you realize that that was something maybe you didn't want to do at least you personally doing for, for long-term and, and w was there a light bulb moment that, you know, you came across that you, you thought, Hey, let's, let's go buy real estate.   Like you're talking about.   Ashley (7m 8s): Yeah, actually the light bulb moment was when I helped him purchase the dealership. So I saw how he was purchasing a business and what he was doing was taking his properties that he owned and refinancing them, pulling the equity out. And he was able to make a cash offer on this business and purchase it. And I still remember sitting in the attorney's office at the closing table and he had had me set up the LLC. He had had me set up the bank account and I was the one signing that huge check that was given at the closing table.   And just the fact that he put that pen in my hand and had me write that check. I had never even seen a check that big of a month before I think really had an impact on me. And I saw like the power of the real estate that he had and how he used the equity to further advance his investments. So that was the biggest aha moment for me.   Jesse (8m 4s): Yeah. And you kind of got the, I mean, learning by osmosis by you actually doing it, but it's kind of like, I, at least I see it as there's that psychological barrier for a lot of people, as you know, with, with our industry, but you basically being the proxy, they're signing the check for him that I've, I probably broke down some psychological barriers about who can or can't buy real estate at that scale.   Ashley (8m 26s): Yeah, definitely. And even he had me do all of his financing. So anytime he went and got loans, I was in charge of that. I did all that. I worked with banks and that also helped me build a network of loan officers too, because I was super diligent about being timely in responding to loan officers, getting them what they wanted and working with them. And they liked that working relationship. And so when I started investing myself, I had a lot of loan officers that were very eager to work with me because they knew that I would provide to them what they needed to make the loan work.   Jesse (9m 2s): Yeah. Attention to detail and, and staying on top of them that didn't know traits that would explain or describe a CPA there. Yeah. So in terms of you, you pivoting to, or moving on to saying here's an opportunity that you think that you and this investor that you worked with that would purchase it, how did that property come along? What was that deal like?   Ashley (9m 24s): So I started talking to my, the investor son, just putting a little bug in his ear. Like, I think we should do this. And actually the first property that I found, I sent it to him. I said, I think this is the one we should buy. And we went and looked at it and we put an offer. It was accepted. And so he brought the money, he had savings that was going to be the cash offer on the property and how we structured. It was, we became 50 50. So I would do the property management, manage the remodel and do all the leasing.   And then he was the money guy. But also what we did was to make it less risky for him. He also received a monthly principal and interest payment every month. So he was making five and a half percent on his money. It was amortized over 15 years. And then he was getting 50% of the equity in the property and 50% of the cashflow and the property too. So it was a very, I guess, a good offer for him because it was less risky because he was tied into it so much in getting all this benefit from it.   And for me, it was just a way for me to get started, look like right now, I would never do that deal with anyone, but looking back like that got me started. And I I'm super grateful   Jesse (10m 43s): For that. And was that a, was that a local deal?   Ashley (10m 47s): Yeah, so it was in the same town where I was managing the, the apartment complexes and we stuck in that town for, I think our first three deals. And then for our fourth one, we ended up venturing into the city more and then starting to spread out.   Jesse (11m 2s): So in terms of you, you started in this, this duplex, you said for this first deal, and now, you know, just kind of touching on that. That's not a deal you would do now, but how has that growth to the second deal? Was it, was it zero to one or was it one to 10? Like how did, what was the type of deal that you did after that? Duplex,   Ashley (11m 21s): After the duplex was another duplex and it was actually on the same street, just a couple houses down and it went up for sale and my partner ended up putting a line of credit on his house and that's how we, we use that money to purchase the second one. And then we ended up doing a portfolio loan, putting a mortgage on both of them pulling the cash out of them. And that's how we purchased our third home right around the corner too. So we bought three just within a couple blocks of each other.   Jesse (11m 49s): Very cool. So in terms of over the, I guess now, well it's seven years, a little bit, almost eight over that process. You've, you've obviously ventured out to other areas in commercial real estate. Well, what was that process like? It was, there was this, it sounds like at the beginning, at least it was a gradual thing, but was there another, whether you call it a hot moment or was there a big leap in saying, okay, I'm going to, I'm going to try my hand at this, you know, this asset class or moving out into larger deals.   Ashley (12m 18s): Yeah. At first I was very focused on duplexes, small multifamily. The largest I bought in the beginning was a six unit. And then the smallest was a duplex. And I, I was really focused on that and I really became very confident and comfortable purchasing in my market on those properties. So a lot of people ask if I still consider myself a rookie, if I'm purchasing a small multifamily my market. No, I don't. I think I'm very experienced in that. Any other kind of investing? Yes, definitely in that.   So I, I stuck with that and then I ended up just having this opportunity to buy this mixed use commercial building and the investor that I worked for. He owned a liquor store and I saw the power of his liquor store and just the uniqueness of it. And it could be a cash cow and just kind of diversify your portfolio. And so I ended up buying my first commercial building, where I put the, the liquor store in that building. And that was my first kind of different strategy than I went after since then.   So that building finished in 2020, we opened up the liquor store in November, 2020, since then I have been like all over the place, especially hosting a podcast is so bad for my shiny object syndrome because I hear all these things that are like, I just want to do that. They're like sounds awesome. All these different things. So I spent a lot of time going after self storage, mobile home parks and campgrounds. And I recently went to four conferences back to back and I finally have realized that I'm going to focus on campgrounds.   I do have a mobile home park under contract, which I'm going to continue with that. It's a sweet deal. I did have a self storage under contract, but it fell through because the seller wouldn't do a phase two environmental study. Yeah. So the phase one recommended it and the owner said no. So I falling out of contract on that one. And then I'm working on getting a campground under contract now. But I think my big aha moment as to why I was focusing on campgrounds is I had a couple of people talk to me during the conference and really like point out to me what I'm struggling with.   And point out facts, such as look at all the successful investors I'm friends with. He said, look at your network. Are all of them going after like three big asset classes right now? And the answer was no, they're all focused on one. Maybe they started out focused on something like I started out focused multifamily, but then now I'm pivoting. I have that down. I have that strategy, you know, set it's running smoothly and now I can pivot on onto something else, but you don't see these experienced successful investors going after three or four large strategies at once and seeing what will work.   And then the second aha moment for me was I was telling somebody about this campground that I was offering on. And he was like, that's, that's it. And I was like, what are you talking about? I know I want to offer. And he's like, no, that's what you're excited about. He was like, you just spewed off so many different random facts and stats and all this stuff. When you've talked about self storage, your mobile home park, it's just like, oh yeah, I got a mobile home park under contract. Like you don't have that excitement. So that was a big aha moment for me too, was that I'm actually excited about investing in campus.   Jesse (15m 39s): So leading up to campgrounds, which I want to talk about because we, we don't, I don't think we've ever really gone into detail at all on the show, in terms of that process, that takes you from the first few investments to where you're doing these, you know, more commercial side of the business deals. How, how did that develop from the team point of view in terms of networking with other people or having other people influence the decisions you made for those future properties?   Ashley (16m 6s): Yeah. So up until this mobile home park that I have on our contract, I had never paid more than $152,000 on a property. And that was my sixth unit. Everything else had been below that. So my mobile home park is $750,000. That is a huge like jump for me. And that was like a huge mindset shift for me to get over that hurdle because I'd never even spent close to that amount of money or looked for that amount of money.   I've always done well with creative financing and finding money, but to find that much money was like, like nerve wracking. But I spent the last year and probably if you would have talked to me two months ago, I wouldn't even have realized this yet, but I spent the last year doing so much networking. There's a group of people. It next month will be our sixth time meeting up for various events or different things. And I think just talking with them, seeing what they're doing has really kind of helped me eliminate a lot of my limited mindset and knowing that I can achieve these things, I am capable of doing this.   And if I work hard enough, I'm going to find a way I'm not going to give up. And so that definitely helped just seeing what these other people are doing. I even had a James Dainer and he's an investor from Seattle and he runs a very successful company. He endangered, he actually let me come and job shadow him for three days. And I just got to like, see the inner workings of his mind. I got to sit in in all his meetings and that was so awesome. And it's such a cool opportunity. So if anyone is trying to, like, you feel stuck, reach out to people in your network and just go and watch what they're doing and see it.   And it's, it's definitely motivating. I get so pumped up after I surround myself with other investors.   Jesse (17m 59s): Yeah, for sure. And I mean it to the conferences or, you know, speaking with other like-minded individuals, even at, at BB con when we were in new Orleans, it is I think a relative thing where people, I hope that when listeners hear, you know, $20 million, $40 million deal it's, there is that aspect of like, it is relative. There was a, there was a point where, you know, somebody jumping from a million to $5 million or 100,000 to 500,000 or less is, you know, for that person, it's five times what they've done before 10 times, what they've done before.   But I feel like once you do that enough times, you get that aspect of, oh, wait a minute. It really is that the concepts are the same. The deals are bigger, right?   Ashley (18m 40s): 'cause, you're getting like the same ratio of compare, like your, your rental income to the purchase price. Like if that ratio is still the same, who cares if it's a hundred thousand dollars property or, you know, a $1 million property, I guess. Yeah.   Jesse (18m 55s): I find the way I conceptualize the moving from, you know, your first property or second property, not really, I guess more so when you move from certain size of properties, to me, there's a category of one you can continue to bootstrap and then another, you have to raise external capital. Right. And, and what that inflection point is, is going to be different on the individual, right. You know, if you're one or two individuals, there's a certain level where you cannot afford to purchase that property, unless you create a structure where you're raising capital.   And I'm curious for yourself that 700,000, you mentioned creative financing. Did you underwrite it from a pure debt point of view and put in your own capital, or was that something where you had to create a vehicle where you were raising capital?   Ashley (19m 41s): So I spent all my money on real estate. So I have no money. I actually did two offers to the seller. I did one where I'd go and just get a commercial loan to purchase the property. And then I did one at seller financing and I did the seller financing at his asking price. And I said, you know, I'm willing to negotiate on terms. And he told me, I knew $2,500 a month. So I took, and I amortized the loan over 25 years at three and a half percent.   And that came out to $2,500 a month. And so I got a nice interest rate, a long-term loan, and then he needed, he's actually, he lives on the property. So he's actually moving off the property and he's building a house. So he needed some money for that to build the house. So I am putting some money down on the property, but I actually sold a property. And that's, what's going to fund that down payment.   Jesse (20m 41s): There you go. So that's creative. It's funny, you mentioned that one deal that didn't go through because you had the phase two environmental where, you know, there are all these strategies that you can use where we have a property right now that we have contamination on it. And it's really a matter of, of remediation. And part of their creative strategy, most likely will be a purchaser that comes along where we have to do, you know, a short seller financing or VTB on it to get it, you know, get the environmental assessment. But again, like, it's really just a matter of thinking outside of the box. And I'm sure you, as an accountant, you're like, okay, 2,500, we'll figure out what numbers those need to be to make that payment happen.   Ashley (21m 17s): Yeah. As soon as he said that, I got like excited inside and I was like my smile and be like, okay, well, how about if we did it this?   Jesse (21m 27s): So if we were to pivot to the campgrounds, this is something that, I mean, I don't know a lot about, I know we had Brandon on talking more about, you know, mobile, mobile home parks seem to continue to be the trend. Obviously multifamily is on fire, but yeah, for, for a complete newbie campgrounds, how did you come across them? And, and why do you get so excited when you, when you, when you're talking about?   Ashley (21m 54s): So I actually came across this campground that was close to me for sale. It was actually on LoopNet. And I found that the day was listen, I got to be the first person to go and see it. And the older gentleman that owned it, he took me through the whole property, along with my broker. And just like, I could see so much value add and all these different revenue streams just popping out at me. And so that's what really got my interest. And like, my family had cam when we were younger, my parents still have an RV.   We have like family land that we turned into, like a private campground, I guess. But so I have some experience in that and I love the outdoors and camping, all these different things, but just walking through that property and seeing the potential, like just even Wade whacking, the property was going to add so much value. The basketball net had like rocks or something, like holding it down and I wasn't even faced the right way. And just like all these things just super easy improvements could increase the value of it.   The second thing that really enticed me about that property was that there, I think there was 164 sites and about 120 of those were seasonal. So people came in in the spring and this was in Buffalo. So campgrounds are closed in the winter, but they came in, in the spring, left their camper there, they paid a seasonal rate. And then they came and picked up in the fall. And that really limits the daily check-in checkout, which I kind of liked that model a lot more because I'd like to stay away from as much operation as possible. So I offered on that property.   Hannah was like my biggest offer after it was 1.4 million and they were asking 1.5 and they had me go through, I was getting bank financing on that. And they had me go through a bunch of hurdles, like sending them so much stock to make sure I was really a qualified buyer. And then they ended up getting an offer from a capital group out of Los Angeles that beat me out. They did offer 1.5 million and they ended up getting it, but it made like the Buffalo news and stuff that this campground was, they stopped taking stop doing showings because there was two competitive offers from a capital group in Los Angeles and local investor, which is me, but that was like, so he got the bug there.   And then I realized like after I lost that on it, like, wow, I was actually, I really enjoyed that. So I started looking a little bit more and reading about different revenue streams. I got a couple of people on the podcast, the real estate Wiki podcast too, who are investing in campgrounds and one that wanted to start investing, but had done a ton of research, had them on the podcast so I can learn some more. And so then from there I found another one and I'm currently trying to get one under contract now.   And I just did a, an episode on the bigger pockets, real estate podcast with David Green. And I mentioned on there that I'm looking for campgrounds and that was released yesterday and already today. I have so many people sending me deals. So anybody else   Jesse (25m 4s): I'm sure. Yeah. It's a, it's a great, you know, selfish or symbiotic. I don't know you want to call it, but where we can, we can have people, we can have guests on we're. I mean, the value, hopefully we're giving is we're, we're getting it in return from having the guest on. And obviously listeners just hearing a boat, like I would never have thought a campgrounds. Now I'm going to look into what's the, what's the Canadian market, like in campgrounds. Just curious. I'm curious though, from the, from the perspective of you come across this, this, this camp brown, you start seeing all the different revenue, potential revenue, streams, the underwriting for a campground obviously, or maybe not obviously, but from my perception, it seems like you're buying a bit more of an operational business.   It's not as much pure real estate, but when you're underwriting it, are you looking at it as a, you know, as somewhat similar to a cap rate, like you're looking at the yields annually, are you looking at which companies that you would need to employ to, to manage the thing? W what did that look like for you being, especially being an accountant where it seems like those types of things would be at the top of the list for you?   Ashley (26m 11s): Yeah. So actually what I did at first was I AIG Osborn had, he has an available a self storage deal analysis calculator. I actually took that. And I use that for that first property that I put an offer in. And I tailored that to like, okay, so he has, you know, the size of the storage units. How many of those units do they have? And then what's the, you know, the monthly rate for that. And I just like, changed it. Okay. There is, you know, 50 full RV hookup sites.   There's maybe 50 with only electric or something. And I just tailored it to kind of fit a campground. So I've been actually working on that because there is not really a template or a calculator to analyze a campground because they're so different. Each one is so unique with what they have to offer and what are those different revenue streams. That's also what entices me, because there's so much different ways you can generate revenue off of a campground.   So for the deal analysis, it's really been, so I'm only offering on my second one, I've analyzed maybe four or five in total now. And I just, I have to completely almost redo the spreadsheet every single time, because they're going to have different expenses. They're going to have a different income streams. So I really just start by making a list of what I think the revenue is. It can generate. And then I'm pulling comps. I'm looking at websites of other RV parks in the area.   And I'm like, okay, what is their daily rate? What's their seasonal rate. A lot of times it even says what they charge for different things. So like one campground had a zip line and ATVs or whatever, and you'd pay like $25 for a day pass, use the activities. Okay, well, I could do that online, and this is what I could charge. So pulling comps on the campgrounds, because that's going to be your competition. People are going to look at what's around, especially the seasonal, because seasonal campers usually don't live that far from where they're parking their camper, usually within an hour, because they're going there on weekends, you know, the days off or even just for a night sometimes, and then commuting bathroom work, blackout work.   The one that I had offered on first at the Mo the owner said, the majority of people there lived within 30 minutes of where they were keeping their campsite. So if they're looking in that area, that's definitely going to be, your competition is looking right there and see what amenities they have, and then kind of figure out the price. It's almost like a, how an appraiser does an appraisal, those do the bedroom, count the bathrooms and then compares them and like, okay, this is the average, this is what I can put that value to that property.   Jesse (29m 4s): It's almost like how many things can we unitize and figure out what those, what those costs are or income is in terms of the, as a complete outsider in this, in this sector. Is there a case for campgrounds? Like, are there situations where the campground you can purchase the business itself, but not the real estate? Or are those always kind of co-mingled   Ashley (29m 28s): No, you definitely can where you do like a land contract, but that would be something that I'm not interested in at all. I like the idea of owning the property. And I joked when I went this recent one I'm offering, I joke that in 10 years, I'm going to pay it off. I'm going to kick everybody out and I'm just going to build my dream house live there.   Jesse (29m 50s): So actually we were on one of the panels that we had in, at the conference we were talking about, well, it was, it was a question for a couple of us on the panel and it was talking about the regulatory environment. And I thought, it'd be interesting to ask you because New York state, I think is probably of all the states, it's probably has a little bit more of regulatory kind of work to get through from a landlord tenant perspective. How, how have you looked at real estate or how has that impacted how you look at real estate, especially in your, in your state?   Ashley (30m 23s): Yeah, so it's definitely not a landlord friendly state, New York by all means. So everything really changed for the worse in June of 2019. And even now just with COVID the, the regulations they put on, on evictions and everything like that has been awful to deal with and what tenants can get away with. And it definitely has deterred me from wanting to keep building a portfolio here. I think that I do have a nice sized portfolio.   And if I, which I do think I will continue doing a bunch of burgers is I'll, I'll go out of state and kind of diversify in different markets. Maybe do a couple here a year still, just because it's so easy for me. Cause I know the market and I know the properties and I get a lot of deals sent to me. But yeah, we, we were lucky. We didn't have too many people that didn't pay during COVID, but there's one person that hasn't paid since COVID and we can't evict them.   We can't do anything. So I was very thankful that I gave up property management before COVID hit, because I wouldn't be bald ripping my hair out even more. So that was nice. But yeah, I, I think that if you are investing on state, don't come to me here.   Jesse (31m 46s): Yeah. Yeah. I think there's a, there's definitely a different, I mean, we're, we're very, I think our whole country safer for Alberta is, is a challenging regulatory environment. I think rent stabilization and rent control. We had a professor actually from New York city from NYU that was talking about the history of rent control and rent stabilization in New York state and then across the country. But I think for us, I'm not sure if it's the same for you, but basically we have a certain amount that we can raise every year. And they're really the only time you can raise above that is when a new tenant comes in.   I'm not sure if it's the same kind of,   Ashley (32m 20s): Yeah, we don't have that like outside of Buffalo, cause that's more like New York city, but for us, the biggest thing is like in June when all of the, the laws kind of changed and they just changed so drastically. So it used to be a three-day notice before you could file a petition for eviction, but then it changed to a 10 day notice and then it just like made the whole eviction process a lot longer, the different rules and regulations they put in and just a lot easier for tenants to get away without paying rent just a lot more loopholes and things like that.   Jesse (32m 56s): Yeah, absolutely. I think one very like a stark difference between let's just use Buffalo, for example, compared to say our market in Toronto or I mean you could go LA you could go, Boston, Buffalo has been a very, I think yields centric type of market where you, the cap rates that you can achieve around your area, probably a lot higher than the cap rates we can achieve in our area. But I think that has been at the expense of potential equity growth. So how do you look at, at that when you are doing your underwriting and just generally your philosophy of, of that trade-off between, you know, potential income as opposed to value?   Ashley (33m 36s): Yeah, so like one thing is the 50% rule in the 1% rule. So the 1% rule says that the per your, the rent that you're charging each month is 1% of the purchase price. I can hit that all day long. What I can't hit is the 50% rule where 50% of your expenses are 50% of the monthly income because the property taxes are so high too. So that's like a, not even the, the laws at all, just property taxes are so high here too. So that's been kind of another reason for me to want to go out of state for my rental portfolio, because if I buy this $20,000 property, I can pay that off very quickly or just pay for that in cash.   But I'm still paying those properties taxes every single year. And those, I just sold a property that the property, it was 20,000. I had bought it for and the property taxes were about three grand a year on it. And, but I could go upstate and I could pay maybe, you know, 50, 60,000 for that same house, but only pay a thousand dollars in property taxes. And once that property is paid off, it's only a thousand that I'm paying every year instead of 3000. So that I would say is even more of a factor to me than the, the landlord tenant laws, even.   Jesse (34m 54s): Yeah. It's funny that we would be the inverse of that. The 1% is almost impossible if not impossible, but the 50%, which is, you know, for listers, like you have a, your, whatever your expense ratio is, that's really, really what it is, you know, as a percentage. So us, I think 30 to 40% is pretty, pretty normal. It, unless it's brand new and then you can get a little bit lower, but yeah, I didn't, you know, and I didn't even think of that from a property tax perspective. That's really, I always, I, when you mentioned that, I thought it would have just been just expenses in general, not necessarily property tax.   Ashley (35m 26s): Yeah. It's, it's definitely the property tax, but we actually in Erie county, which is the county that's in Buffalo and, or surrounds it, they actually have an Excel sheet that they, every year that they just put on the county website that tells you each town and what the tax rate is for those towns. And then it compares it for you. It says, okay, if you buy a hundred thousand dollar house, this is what your taxes would be on that property. And you can go through and see, and it shows, breaks it down from like town and county.   And then if there's a village to village tax and then school tax. So what you can do is you can go through there and say, okay, these are the desirable school districts. Well, what towns border that, where you're paying that low town and county tax, but you're getting into that school district because of that little bit of overlapping. So if you guys, and anybody wants to go and look search your county, I'm sure they probably do this too. If your county does and look at that and you can see what towns have the lowest tax rate tax rates.   So the last house that I, I just did a flip and that house had super, super low property taxes. It was in a small little town and the reason it had low property taxes was because there was like a garbage dump in the area landfill. And they pay the majority of the property taxes. Well, this property was like right on the edge of the border where you're not getting any smell from the landfill. And so it was kind of like an opportunity because you get that, you know, I, that property, I also purchased for 20,000, but instead of 3000 and proper Texas, it was only $850 a year in property taxes.   Just show the difference. Yeah.   Jesse (37m 12s): Yeah. I think that's, I mean, it's pretty amazing. Like you can have properties within, you know, 45 minutes an hour from each other and just have such a drastic price difference when it comes to property tax Ashley, in terms of the way that you're looking at the market right now, and fingers crossed, hopefully we're coming out of this thing, you know, in, in the right direction, when it comes to the lockdowns and restrictions, what is, where do you see opportunities over the next few years? You know, what's, what's kind of got your interest aside, you know, aside from, from the, what we've discussed here, but what are you excited about?   Ashley (37m 47s): Well, I guess, you know, I'm trying to stay away from that shiny object centers. Talking about teenagers is bad for me, but I think there'll be a opportunity for businesses. So going after businesses that maybe are sick of the COVID regulations, or maybe they did fall behind and during COVID and they just haven't been able to catch up. So I think there'll be opportunity there. So some of the businesses I'd be interested in are not really going to be ones that were impacted by COVID, but were actually empowered by COVID.   So they actually did better. So that would be like liquor stores, which I got one of those. And unfortunately we didn't get our like liquor license until basically the shutdown was kind of over, but looking at the kind of businesses that can survive COVID I think really piques my interest that if there was another shutdown or something like that happening again, that these businesses were thriving and they still do successful anyways, even when there isn't a shutdown.   So that was like a liquor store was a big one for me. And then I also like the idea of a laundry mat or a carwash, just the, the, the ease of the cash cow from those. And then I do have some experience managing a laundromat for that, that other owner. So yeah, those are any other business opportunities   Jesse (39m 18s): Working with that. Gentlemen is the gift that keeps on giving we've. We've looked at laundromats as well. It's just one of those compelling things that even without buying the real estate there, there still is a compelling case. If you can obviously do both. That's great. But I like your point in terms of businesses that have been resilient. I mean, we've seen in our own market, you know, whether it's technology, medical, technology companies, ghost kitchens, just companies that you didn't, you couldn't foresee how much, how explosive their growth would be prior to the pandemic, obviously for, you know, nobody has a crystal ball, but that that's, we do see those companies, a big driver of, of real estate at least locally here.   And I'm sure it's, it's the case where you are.   Ashley (39m 60s): Yeah. And even with auto dealerships. So I've been in because of the same investor I've been in the auto dealership industry and they are making more money now because of the shortage of cars. So every car that they're selling, it's getting selled at invoice or above because there's no cars available because all the chips and all the parts are stuck on a ship waiting to come into the us. But they they've said that they sold they're making as much as they did, but they're selling half of what they sold before.   COVID. So they're doing less work, making the same amount of money. So it's been almost beneficial to them to, I mean, there's definitely was some hardships, especially during the shutdown and things like that, but there's the PPP programs that I think helped a lot of, of businesses. So it's very interesting to see what businesses actually have benefited from COVID and have done better.   Jesse (40m 57s): Yeah. I couldn't agree more. Well, actually, I want to be respectful of your time here. There's four questions that we ask every guest that comes on the show. So before we kind of get on how people can reach out to you, if you're game for those all, I'll start them off. What's something that, you know, now it could be in your real estate or career in general that you wish you knew when you were starting out.   Ashley (41m 19s): So, one thing that I did not know was that you could go and get a loan for an investment property. I thought you had to make a cash, but you had to buy it in cash because that's how that other investor had purchased all of his properties. So I wish that I would have known that there was other options to me then just taking on a partner and I could have explored that. And not that I, you know, made a bad decision or anything like that, but I wish I wouldn't have had that limited mindset of that. You could only buy a property in cash, and I didn't even realize creative financing and all the different ways to purchase property until I actually found bigger pockets in 2017.   So that was three years later. And then I tripled my portfolio in a year and a half after just digging into the forums and learning all these different ways, you know, seller financing and private money, all these different things.   Jesse (42m 13s): Yeah. Just, just all the different resources. The next question is, you know what, since you were on a panel for women in real estate, maybe we'll, I'll kind of tweak the question a little bit. Typically we'll ask, you know, your view, what would you give as a recommendation to younger people coming into our industry, your view on mentorship, but why don't we say from a, especially from a female point of view, younger women coming into our industry, you know, what would be your advice to them? And, and just generally, and mentorship,   Ashley (42m 41s): I think that there are some women out there who think that they are at a disadvantage being a woman in real estate, because there's so many men doing it. Don't look at it like that. It is an opportunity and it is an advantage. You are going to stand out because you are a woman. If you go and look at a property with a broker, do you think he's going to remember the 20 other men that have looked at it and know he's going to remember that one woman that came, that you know, is investing in properties.   I think there's a lot of doubts and that, you know, you're going to get scammed by contractors because you're a woman, you know, don't know what you're doing. And that's also an advantage. You know, if a contractor is going to try and scam you, because you're a woman who's going to do it right off the bat. So if he's talking down to you or things like that, then you know, not to hire him or if it's a guy and the contractor is like, okay, he probably knows what he's doing. I'm going to scan them at them or something.   But I, I think use it to your advantage. And it's an opportunity. And if you feel like, because you are a woman that you are not being taken seriously, then you're talking to the wrong people. You're talking to the wrong person because I have more friends in real estate that are men than women and not a single one of them has ever talked down to me or made me feel like I don't belong. That it's a boys club at all. If anything, I feel like I've been more welcomed because I am a woman.   There's a million other men doing what I'm doing, but there's not as many women. So it's given me an opportunity, a like up and I think take advantage of that   Jesse (44m 25s): Great advice. Okay. Is there a resource, a podcast or book that you'd like, let listeners know about that you're listening to reading   Ashley (44m 36s): The real estate rookie puck.   Jesse (44m 41s): Yeah. As well.   Ashley (44m 44s): Yeah. If there is actually a book that I love and I think that anybody who's in business or the real estate or any other business should read this because no matter what, you're going to be dealing with people, and it's a hug your haters by Jay Baer. And it's a customer service based book. And basically it talks about like, if you received negative feedback or criticism, how to deal with that, and also how to kill people with kindness. So if you are a wholesaler and you're getting, you know, sellers that are, you know, or you know, how to work with them.   And so I, it's a, it's a great read. I, it's probably the, one of the, probably the only book that I've scribbled in that much before and like taken notes and highlighted things. And so   Jesse (45m 32s): That's great that I think that's the first on the show. I've never heard of it. We'll put a link up to that as well. Awesome. All right. My favorite question, first car, make and model.   Ashley (45m 42s): It was a green Bonneville. I don't even want the makeup upon GMC or Chevy or something, but That's basically about think of a vote.   Jesse (45m 57s): Yeah, just, just in a, in a what's it called in Buffalo with a PO thing. It's Pontiac. Pontiac Bonneville. Yeah. Awesome. Awesome. Well, Ashley, for, for people that like to kind of find out what you're doing online, like I said, you have great, great presence on, on Instagram and other platforms were where's the best bless area for people to reach out.   Ashley (46m 19s): It will be on Instagram app wealth from rentals. And then we also have a real estate rookie, a YouTube channel, and then a real estate rookie, a Facebook page. You guys just searched those.   Jesse (46m 32s): My guest today has been Ashley Kurt, Ashley, thank you for being part of working capital.   Ashley (46m 36s): Thank you so much for having me.   Jesse (46m 45s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five-star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care.

David Sandler famously said:    “If you don't have a process for selling you're at the mercy of your buyer's process for buying.”    One of the biggest challenges startups selling to the enterprise have is keeping control and momentum through the sales process.   As a startup, when we're selling our new product, knowing our sales process is crucial to landing your next customer.   Why?    Because your prospects don't know how to buy our thing.   They've never bought anything like it before. They know how to order new laptops and renew their CRM subscription. But they don't know how to buy YOUR product.   Most startups sell products that replace spreadsheets… or manual processes… or Sharepoint… some antiquated system that was installed around the same time as Windows NT…   That means that it's our job as sellers to lead our prospects through the sale, and that starts with the next call.    Remember that your prospects want to be led. This is your opportunity to take control of the sale.   This daily dose shows you a framework I developed years ago that works a charm every time, in every sales call.    Yes, really.   It's called Confirm-Ask-Explore.   Confirm: Start every call recapping the last conversation or new developments that have come up since the last call. Then confirm the purpose and intended outcome of the meeting.   Ask: This is the centerpiece of your meeting — discover new information by asking questions. Showing your product and asking the prospect how they could see themselves using it – how it solves the problems and helps them achieve their business objectives. Ask about their key objectives and priorities.    Explore: Always leave time to talk about next steps — the next meeting with whom and when, how they'll share that sample data file and who's responsible for getting it to you, and who else should be involved in the process going forward.   Leave every meeting with clear next steps - a mutual action plan.   Follow this structure and you'll nail every sale call every time. Yes, really.   —    BTW… If you want some help building more structure and repeatability into your startup's sales process, I'd like to help.   Next week, I'm running a FREE Sales Masterclass for B2B startup founders & CEOs.   I'll teach the core frameworks and systems that every B@B startup needs to implement to achieve a repeatable, scalable sales process.    Plus, we'll do a diagnostic of your startup's sales process so that you can see exactly where to focus on building repeatable systems in the next 3 months.   Here's the link to our next Sale Masterclass: https://www.salesqualia.com/masterclass   Listen & subscribe to The Startup Selling Show here:   BluBrry | Deezer | Amazon | Stitcher | Spotify | iTunes | Soundcloud | SalesQualia   Thanks so much for listening! Tell a friend or ten about The Startup Selling Show, and please leave a review wherever you're listening to the show.

In the Season 5 Premier Derek and Carl explore what it takes to have a 70lb pack that puts a trip in jeopardy. Rocky "weighs in" on the matter and claims he was defeated by Yosemite. Can we learn something from somebody who hoards gear and consumables in their pack? Also, Carl raises the stakes for weekly trivia. Check out our new sponsor Zoleo for a great deal on a backcountry Satellite Communicator! GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our other wonderful sponsors Summit Strength and Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

Co-host Jean and Andrea (Drea) Darby go back to UNLV Days circa 4 years ago. Jean initially met Drea as a student leader attending NEW Leadership Nevada 2018. Since then Drea has gone off to get a PhD at Cornell back east, far away from her home. She was born in The Bay Area but was raised in Nevada. They reconnected after Jean's zine release, “Are You Filipino?” and fruitful conversations about being biracial were shared. Today, we honor and appreciate Drea for her time and the time difference to record this episode. We hope our BB listeners gain and grow from this conversation today about identity, Filipinos response to anti-blackness, and the importance of fandom in creating joy! Recommendations: Drea Asia Jackson - Black Filipina influencer Unapologetic- Charlene Carruthers Anime- Marimashta Iruma-Kun   Nicole Urban Nation- @bianca.jpeg Godzilla versus King Kong Free Zines-Professor Munson   Daniel Afterparties (Anthony Veasna So) --- short stories Trying out new recipes --- like wine in stew Block spam callers Jean-  Vogue Robinson - Local Black poet and educator Follow Cozi cus some cool shit going down Kapwa Comics- new comic collab crew on all things Filipino

It's our annual Halloween episode and this year Vanessa's known what it was going to be since at least early Summer. In this episode we go over Guillermo del Toro's 2001 film ‘The Devil's Backbone paired up with ‘Mexican Gothic' the 2020 gothic horror novel by Silvia Moreno-Garcia. Going through all of it with us this year is our very special guest Iris from the BB & BC Podcast , and Cinema Beef. Coming in November: Tanksgiving with ‘Tank Girl' VD Clinic Pod ITUNES:  https://podcasts.apple.com/us/podcast/the-vd-clinic/id1250949032 SPOTIFY:  https://open.spotify.com/show/03BPkYLembG4cAWr3I1Nyq?si=dQ4fGmIuRaa_W1009_zYPA&nd=1 LEGION: https://www.legionpodcasts.com/podcasts/the-vd-clinic/ VD Clinic Podcast on Facebook at facebook.com/groups/VDClinicPod​ and on Twitter & Instagram as @VDClinicPod Find Legion Podcast Network at @LegionPodcasts on Instagram and Twitter. BB & BC Podcast at www.ExploitationFilm.com Cinema Beef The post The VD Clinic – Episode 56 – ‘The Devil's Backbone' and Mexican Gothic first appeared on Legion.

It's our annual Halloween episode and this year Vanessa's known what it was going to be since at least early Summer. In this episode we go over Guillermo del Toro's 2001 film ‘The Devil's Backbone paired up with ‘Mexican Gothic' the 2020 gothic horror novel by Silvia Moreno-Garcia. Going through all of it with us this year is our very special guest Iris from the BB & BC Podcast , and Cinema Beef. Coming in November: Tanksgiving with ‘Tank Girl' VD Clinic Pod ITUNES:  https://podcasts.apple.com/us/podcast/the-vd-clinic/id1250949032 SPOTIFY:  https://open.spotify.com/show/03BPkYLembG4cAWr3I1Nyq?si=dQ4fGmIuRaa_W1009_zYPA&nd=1 LEGION: https://www.legionpodcasts.com/podcasts/the-vd-clinic/ VD Clinic Podcast on Facebook at facebook.com/groups/VDClinicPod​ and on Twitter & Instagram as @VDClinicPod Find Legion Podcast Network at @LegionPodcasts on Instagram and Twitter. BB & BC Podcast at www.ExploitationFilm.com Cinema Beef The post The VD Clinic – Episode 56 – ‘The Devil's Backbone' and Mexican Gothic first appeared on Legion.

This week Fabian debriefs his and @mrsjamiehalsey's Fall Cue presentation, why meditation with a whole class can be very hard, some ideas on what to do with scratch off stickers, why BB-8 needed to be repaired in Fabian's classroom, and so much more. Click on Leave us a Message! We will make sure to reply to you and will play your message on our show! Give it a try! You can also find the button on our homepage, findingourtribe.net. Please also check out our 9 episode sidepod project "Jedi in the Classroom" which we recorded with @MrsJamieHalsey. Find it in the feed! As always, please join us on Twitter for our growing community. Follow us @findingtribepod for our podcast, and also individually @hofmannEDU (Fabian) and @findingmyaloha (Scott)! Or, if you are old school, send us an email at findingourtribepodcast@gmail.com. We would love to hear from you! Rate us! Leave a review on Apple Podcasts! Subscribe to our YouTube channel to get notifications about new videos we post. This is how we get found and can grow our community.

BB host Tim Helming was at the Mandiant Cyber Defense Summit recently, and caught up with two analysts, Regina Elwell and Alyssa Rahman. They describe their roles, how they got into infosec, and what they're researching at the moment.

Ken Meyer (EVP & CIO Consumer Technology at Truist Bank) talks about the 2yr transformation of Truist Bank (SunTrust and BB&T), managing multiple tech stacks, enabling a multi-cloud strategy, and internal communications and learnings. SHOW: 561CLOUD NEWS OF THE WEEK - http://bit.ly/cloudcast-cnotwCHECK OUT OUR NEW PODCAST - "CLOUDCAST BASICS"SHOW SPONSORS:CloudZero - Cloud Cost Intelligence for Engineering TeamsDatadog Application Monitoring: Modern Application Performance MonitoringGet started monitoring service dependencies to eliminate latency and errors and enhance your users experience with a free 14 day Datadog trial. Listeners of The Cloudcast will also receive a free Datadog T-shirt.SHOW NOTES:BB&T to buy Suntrust in $66B “merger of equals”A glimpse inside Truist and its bank tech strategyBanks can be “fast followers” in AI: Truist CIOTopic 1 - Welcome to the show. Let's start by talking about your background, and the scope of the transformation you've been driving at Truist Bank. Topic 2 - Beyond the merger of two large banks, how did you think about the business challenges that you were trying to solve? Topic 3 - Walk us through how you tried to rationalize two technology stacks, and how you've been planning for a more cloud-centric future? Topic 4 - Every transformation has to balance existing (“old”) and new. How did you work through priorities, leveraging new technologies, maintaining existing systems, learning curves, etc? Topic 5 - Have you been able to create any unique ways to manage through the transition of so many technology stacks?Topic 6 - How are you measuring progress, success, alignment to business goals, etc? Topic 7 - How are you communicating the evolution to the teams, as well as management and stakeholders? Any lessons learned?FEEDBACK?Email: show at the cloudcast dot netTwitter: @thecloudcastnet

This week we're jamming along to Daley's Reel and I've got  three brand new backing track episodes for you. This is the jam along track where I play backup, followed by the melody then we keep swapping.  It's four times through in the key of Bb at 75 bpm.backing track starts at 00:36Don't forget to check out the other three episodes when you're done.If you want a chord chart (or just want to find out more or get in touch), just head to bluegrassjamalong.com

This week we're jamming along to Daley's Reel and I've got  three brand new backing track episodes for you. This is the you play rhythm track where I play the melody so you can work on backup.  It's four times through in the key of Bb at 75 bpm.backing track starts at 00:30Don't forget to check out the other three episodes when you're done.If you want a chord chart (or just want to find out more or get in touch), just head to bluegrassjamalong.com

This week we're jamming along to Daley's Reel and I've got  three brand new backing track episodes for you. This is the you play lead track where I play backup so you can work on the tune.  It's four times through in the key of Bb at 75 bpm.backing track starts at 00:28Don't forget to check out the other three episodes when you're done.If you want a chord chart (or just want to find out more or get in touch), just head to bluegrassjamalong.com

Fudge is joined by Stevie, Vic, Ash and Ben and they discuss, Cambridge, Lincoln and the wee Scottish man (again) Is Moore the man for the job, Who would you have and is BB leading or something else entirely?

We get back into the Halloween spirit with a discussion of LEGO Star Wars Terrifying Tales. Can Poe Dameron and BB-8 survive Darth Vader's castle?

We get back into the Halloween spirit with a discussion of LEGO Star Wars Terrifying Tales. Can Poe Dameron and BB-8 survive Darth Vader's castle? On this fully armed and operational episode, we discuss: Darth Vader giving Emperor Palpatine a tour of the castle, Poe Dameron's arrival on Mustafar, The child point of view character, Dean, The Lost Boys inspired story featuring Christian Slater's voice work, “The Dueling Monstrosities” fight between Darth Maul and General Grievous, Luke's alternative, what if?, story after making wishes on the “Wookiee's Paw,” and The escape from Vader's castle.     Thanks for joining us for another episode! Subscribe to Podcast Stardust for all your Star Wars news, reviews, and discussion wherever you get your podcasts. And please leave us a five star review on Apple Podcasts. Find Jay and her cosplay adventures on J.Snips Cosplay on Instagram. Follow us on social media: Twitter | Facebook | Instagram | Pinterest | YouTube. T-shirts, hoodies, stickers, masks, and posters are available on TeePublic. Find all episodes on RetroZap.com.

Actor and Musician, Ben Barnes joined the podcast to talk about music inspirations, and his debut album, Songs For You. Check the links below to order the album, purchase BB's merch, and more.SONGS FOR YOU https://ingroov.es/songs-for-youOfficial YouTube: https://www.youtube.com/c/BenBarnesMusicBandwear Store: https://shop.bandwear.com/benbarnes Spotify “Influences” playlist: https://open.spotify.com/playlist/0KZCER7ycCrujdIhJpIcKl?si=ESlHS6doQMi9zlaVTxKdlg&dl_branch=1&nd=1Ben Barnes is known to many for portraying fantasy heroes and comic-book villains, characters from history and classic novels and the occasional romantic street busker or wannabe rock-star. His own fantasies, stories and dreams have until now been eclipsed by these roles.With Songs For You, Barnes is baring his soul through his music for the first time; hopeful, joyful, passionate, nostalgic, vulnerable and loving. The lyrics to most of the songs, he explains, came from “poetry written for a loved one or just for myself, a long-forgotten phrase I jotted down in a notebook years ago, inspired by a photograph, a moment, a quotation, or in the case of one song, a story I read about a female pirate!”After years of being directed, written for and edited in movies, this is his moment to shine the light on the five songs on Songs For You, lovingly crafted at his piano at home and presented unedited and straight from the heart.Barnes shared, “Songs For You comes from one of my favorite records, ‘A Song For You' by Leon Russell (but the Donny Hathaway version, of course), from wanting the songs to speak intimately to anyone who listens to them, and because if a song is written for you, you know who you are.”Ben Barnes has starred in films, TV shows and theater productions spanning the last 20 years: Movies have included, The Chronicles of Narnia franchise (Disney), Seventh Son (Universal), Dorian Gray, Easy Virtue and musical films Killing Bono and Jackie & Ryan. TV shows he has appeared in include Shadow & Bone currently streaming on Netflix, Westworld (HBO), Golddigger (BBC) and The Punisher (Netflix). Stage productions include The History Boys (National Theatre) and Birdsong (West End).Visit Creative Peacemeal Podcast on social media, browse podcast swag, and continue the creative conversations via the blog!Website https://tstakaishi.wixsite.com/musicOfficial Merch Store: https://www.bonfire.com/store/creative-peacemeal/Instagram @creative_peacemeal_podcastFacebook https://www.facebook.com/creativepeacemealpod/***To make a donation to Dachshund Rescue of Houston click here!

Author, collector and all-around enthusiast Neal Punchard joins us to talk about two truly fun topics.  It seems most knife nerds have many life interests and experiences in common and who doesn't remember their first time using a switchblade or their first BB gun.  Part history, part throwback fun, we think there's plenty here for most anyone to enjoy.  Find us at our Patreon and follow us on Instagram @markofthemaker or join our discussion group on Facebook for more conversation. 

Check out LG's UltraGear Gaming Speaker GP9 below: [US] https://bit.ly/LGUltraGearGamingSpeaker_GP9_WAN_US [UK] https://bit.ly/LGUltraGearGamingSpeaker_GP9_WAN_UK Get Live Patching for your open source databases with TuxCare DatabaseCare at https://hubs.ly/H0YbbJ_0 Try FreshBooks free, for 30 days, no credit card required at https://www.freshbooks.com/wan Check out our other Podcasts: They're Just Movies Podcast: https://anchor.fm/theyrejustmovies Timestamps (Courtesy of NoKi1119) [0:00] Chapters. [1:14] Intro. [2:01] Topic #1: Best Buy scalping PS5. 4:39 Thoughts about BB's membership. 7:08 Memberships are not illegal. 13:05 Retailers & scalpers. 14:33 National registry proposal. 25:11 Nvidia TPM struggle with chipset pricing. 29:52 PR issues at Intel. 37:05 Enthusiasts conflicted about brand loyalty. [39:21] Sponsors. 39:40 LG's UltraGear Speaker GP9. 40:57 TuxCare QEMU & KVM patching. 41:42 Freshbooks accounting. [42:45] Topic #2: Google's Pixel Pass subscription. 45:18 Leaked Pixel 6 page, specification. 46:25 Pixel uses Tensor, Qualcomm's upset. [50:09] Topic #3: HasanAbi's PC build controversy. 53:55 Trying not to get cancelled. 54:58 Donald Trump's PC build. 56:48 Linus not backing down, will upload on YT. [59:48] LTTStore newsletter, behind-the-scenes. [1:06:30] Topic #4: Vive's "Flow" VR headset. [1:07:53] Superchats. [1:16:11] Outro.

Are we making mistakes that cost us time, weight and money? Carl suggests a cheap way to save pack ounces but Derek isn't buying it (literally and figuratively). Also, how do you know where to go on a first trip or to a new place? And what embarrassing mistakes has Carl made in the past? GET MORE EPISODES! There are over 60 episodes of B&B that you can get by supporting us on Patreon. It's safe and secure and it helps us put out more content. Check out our wonderful sponsors Summit Strength and Outdoor Vitals!  To react publicly or privately to any of our episodes post/message on our Facebook page, @BackpackingAndBlistersPodcast on Instagram or email: hikercman@netscape.net

On this head-spinning episode, Brad Evans and Brandon Funston discuss the mouthwatering fantasy appeal of Kareem Hunt in light of the Nick Chubb injury news. The guys also discuss Zach Ertz's impact with Arizona. From there, the dynamic duo sort through various Player Pick 'Ems, including selecting who among this week's group of elevated backup RBs -- Devontae Booker, Darrel Williams or Khalil Herbert -- will make the loudest splash. Wrapping things up, B&B toss out their top Shocker Special plays of the weekend.