Podcasts about cindy you

When Suella Braverman was sacked on Monday she warned that she would have more to say in due course, and has just released her resignation letter. It is predictably punchy, accusing the prime minister of backtracking on policy promises he made her and especially on his commitment to stop the boats. Will Sunak come to regret casting Suella Braverman aside?  Cindy You speaks to Katy Balls and Paul Goodman.  Produced by Cindy Yu and Oscar Edmondson. 

I'm a businesswoman with old-fashioned values:  loyalty, tenacity, and a burning desire to be successful. - Cindy Stumpo Cindy Stumpo has been paving the way for women in construction for decades. At only 23 and just days away from giving birth to her daughter Samantha, Cindy was the only woman in the room when she sat for hours to take her general contractor's exam and would sell her first million-dollar home at 24.  In an industry dominated by men, Cindy is a role model for women in the trades and has built a multi-million-dollar luxury home construction business based on her “grindit out” motto.  www.cstumpodevelopment.com Her opulent floor plans coupled with attention to detail caught the attention of executives at HGTV and Cindy quickly became the star of the popular series Tough As Nails.  In this interview, her unstoppable personality is on full display with tough love for anyone listening. Say's Cindy: “You're not a loser as long as you keep picking yourself up. You're a loser the day you don't pick yourself up. That's the day you quit on you.”  Born and raised on the Northshore of Boston as a child and then as a teenager in upscale Newton in a loving Italian-Jewish family, Cindy looked to her father for guidance when she wasn't sure what to do with her life.  His response guides her to this day:  “Everybody's got their talents and you've got yours.  When you find something you love to do, there's not going to be anybody who is better at it than you.”  An advocate for speaking openly about mental illness, Cindy has dealt with anxiety and panic attacks for 26 years, sharing her story in the hopes of inspiring others. The host of the radio show Tough as Nails with Sam, Cindy is proud of her son Chad and delighted to see her daughter follow in her footsteps as a second-generation general contractor and founder of Newbrook Realty Group. Cindy Stumpo is a trailblazer with her boots on the ground every day.   “Obstacles?  I'm an excavator, says Cindy.  I just keep on pushing that rock up the mountain. “ #construction #luxuryhomes #determination #perseverance 

FamilyLife Today® Radio Transcript  References to conferences, resources, or other special promotions may be obsolete. Resurrection Eggs: Creatively Sharing Christ Guest:                         Barbara Craft                                    From the series:       Resurrection Eggs: Creatively Sharing Christ (Day 1 of 1)  Bob: In 1994, a grandmother by the name of Barbara Craft heard about a way to use plastic Easter eggs to share the Easter story with friends, neighbors and children. She fell in love with the idea. Barbara: The idea that I like about this is you're getting the Bible in front of them—you're getting the Word of God. This is not just a story. We're using great things to tell a story. This is something—they may remember the donkey, the nails—but it's a way of engraving the Word on their heart and fulfilling Deuteronomy 6—you know, it says to talk about these things when you get up / when you're sitting in your house. This is, to me, what this project does. Bob: This is FamilyLife Today for Wednesday, April 2nd. Our host is the President of FamilyLife®, Dennis Rainey, and I'm Bob Lepine. We will hear some FamilyLife Today history today as we hear about the first time Barbara Craft shared with us the idea for what became Resurrection Eggs®. Stay tuned. 1:00 And welcome to FamilyLife Today. Thanks for joining us on the Wednesday edition. We have people who will pull us aside, from time to time; and they'll say to us: “You know who you guys ought to interview? You ought to have so-and-so as a guest on your program.” We often get some great recommendations from listeners who suggest someone that we ought to talk to. Dennis: We do. I agree. Bob: We try to dig and say: “Okay, what would our listeners be most interested in? What would be most helpful? What is the best kind of practical, biblical help we can give them related to marriage and family?”  I remember when somebody on our staff, more than 20 years ago, pulled me aside and said, “Do you know who you ought to interview?” And they told me about a grandma, who was on staff, here at FamilyLife. I have to confess to you, I thought, “Yeahhh, we're probably not going to do an interview with a grandma who's on staff.” You know? 2:00 Dennis: This is not just any grandma. This is Barbara Craft. She is a woman of the Word. She is a wife, a mom, a grandmother who has taken her role seriously. When she found out about a way to be able to bring the reality of Easter into her family—but also the families of her neighbors—she jumped all over it. Bob: This was a craft project she put together: —a basket full of plastic eggs—each one with a symbol of Jesus' death, burial, and resurrection. Dennis: There must have been 25 to 30 different eggs in the basket that she brought in. Bob: I just thought: “How are we going to talk about plastic eggs on a radio program? People can't see it. It's a nice idea—“ Dennis: Well, we always are interested in helping families have an outreach to others. Bob: And that's ultimately why we decided, “Let's go ahead and have Barbara on.” I remember thinking, in the back of my mind, “You know, if the interview doesn't go well, we don't have to use it.” Well, the interview went fine; didn't it? 3:00 Dennis: It went so well, in fact—just a little bit more to the story. I don't remember exactly how it occurred; but as we were interviewing her, it all made so much sense. Somehow, we put our heads together and said: “You know, we really can't put these eggs in a basket and ship them in the mail to listeners who want them. I would think people would like to have a dozen of these eggs of their own.”  We thought: “What if you took a carton and filled it full of these eggs—with the objects that are in them that tell the story of Easter—that help a mom and dad, grandma / grandpa, or help a young family share Christ in their neighborhood with the world's largest Easter egg party? What if we had something like that?” Well, we put together a few of them— Bob: We put together 3,000 sets. Dennis: Were you out there? Bob: I was not out there. Dennis: I was out there—at our kids' junior high cafeteria. We worked all Saturday. I prayed over those 3,000 sets—I said, “Lord, God, I pray these don't end up in our warehouse for the next 20 or 30 years.” 4:00 Bob: We were putting little donkeys into one egg, and putting coins in another egg. Dennis: A rock representing the stone that was put in front of Christ's grave in another, and then, of course, there was the easiest one to assemble of all—which had nothing in it. Bob: That's right, the empty egg which represents the tomb. And here's the thing—we did the 3,000 sets; and we also made available a list so, if anybody wanted to create their own set, they could just—“Here, you need to find a donkey, and you need to find a little pebble, you need to find the coins…” and all that. “Get your own plastic eggs.” Well, we had people calling us saying, “We want multiple sets of those.” Those 3,000 were gone like that! That first year, we wound up assembling an additional 7,000 to send out to our listeners. Dennis: And I'm going to tell our listeners—I was not there on the second Saturday they had to be assembled. In fact, I think we found someone—a bunch of teenagers to be able to—[Laughter] 5:00 Bob: [Laughter] You scheduled a weekend out of town when you heard that was happening, as I remember. Well, today, we thought it would be fun for our listeners to go back and hear that very first interview, from 20 years ago, when Barbara Craft—that grandmother who was on staff, here at FamilyLife—came into the studio and brought the very first Resurrection Eggs that we had ever seen. [Recorded Interview] Dennis: Our table is covered with eggs here. It's really quite festive here, Bob. Tell us: “What do all these eggs represent, Barbara?” and, “How did you come up with the idea of teaching about Easter through an object lesson like eggs?” Barbara: Well, I didn't come up with the idea. I'm not a creative-type person. I'm one that sees an idea and I can go with it. I was in our home, teaching ladies how to do a craft project—using paper bags and paper twists—and making this soft, frilly basket that you see in front of here now.  6:00 Well, we were making the baskets. One of the girls mentioned this story of telling the Easter story with eggs. I had never heard about it. The next thing I knew she sent me a paper. It had just some Scriptures and things that you can use and put inside a plastic egg and tell the Easter story. Right away, I started making baskets for my neighbors—making sets of eggs from this craft project, and putting them in there, and just giving them out to whomever I could. Dennis: And what you've done here—you've composed a list that starts with, really, Palm Sunday and objects associated with that. You've just followed, chronologically, all the events of Easter and the verses that accompany them. You've selected objects that illustrate each of those events. Let me just pull out one of these eggs here—this one here—[jingling sound]—three dimes. Okay, Barbara, what does that represent? 7:00 Barbara: Well, that represents the 30 pieces of silver that Judas betrayed Christ for. Dennis: And out, beside that, you've got Matthew 27:3-5 so the children—or for that matter, the adults—are getting the opportunity to go to the Scripture to really study the Easter story. Barbara: Yes. Bob: I bet kids would have a great time figuring out what each thing inside the egg represents. Barbara: I did it in a Sunday school class of three- and four-year-olds at our church. I hid the eggs, and then they came in. Of course, there's that adventure of finding the eggs. All the eggs have a number on them. Then, we sat around in a circle; and they would give me their egg, starting with number one. We would open it up, and then I would ask them what it was.  Again, this was three- and four-year-olds—they were so still. Of course, they are just so excited because they want to open their eggs. They want you to hurry up and get to theirs.  8:00 And then they wanted to hide them again. They wanted to do it again, and again, and the hour was gone. The idea that I like about this is—you're getting the Bible in front of them. You're getting the Word of God—this is not just a story. We're using great things to tell a story. It's a way of engraving the Word on their heart and fulfilling Deuteronomy 6—you know, it says to talk about these things when you get up / when you're sitting in your house. This is, to me, what this project does. Dennis: I think there is a great need today, in Christian families, to do more than just crack open this Book; but to get our kids diving into it afresh—discovering their own insights and talking about the relevance of these objects in their lives today. “What is the symbolism of the nails and the verse that goes along with that?”—Christ's death on the cross. We have hope because of this—and bringing that hope to our kids—and maybe even using these eggs as an opportunity to lead your kids to Christ. 9:00 Barbara: And then, when you come to this empty egg—and again, that representing that He is no longer in that tomb—and then telling them: “Where is He today? He is seated at the right hand of the Father.” Dennis: I think it is so easy to just assume our kids understand redemption: “What sent Jesus to the cross? Why did He have to die?” It was our sin—our breaking of God's law—our fallen nature that sent Christ to the cross—and really created a need for God to step out of eternity, in His Son, to redeem us back to Himself and to write our names in heaven. Barbara: What you have just done is what I'm hoping that this project will do. Having something like this that you can see and touch—it is fun, and it has a powerful message to each one. Dennis: It really does. Barbara Craft, you have helped us, today, to be able to focus on that message. 10:00 I want to thank you for doing that because we can make Easter a profoundly simple and yet powerful spiritual experience—not only for us—but for our children, as well, and pass on a legacy to the next generation. Barbara Rainey: One of the things that I think is neat about this is that there are different applications for using it. For instance, you could use it like an Advent wreath at Christmas—and use one egg per day or one object and verse per day—leading up to Easter. Or you could take the ones and just use them for the particular event the week of Easter, starting with the triumphal entry on the Sunday before. Then, you could use the objects that happened on the Thursday before Easter, and then the ones that illustrate what happened on Good Friday, and you could walk your way through Easter week.  I think that there are lots of different ways that a family could use this, depending on the ages of your children or how you wanted to celebrate Easter together. You could talk this through and try one one year and try another another year, and see what works best for your family.  11:00 Barbara: I think that is right—and if you have them all out—where they can see them during the day, and touch them, and play with them, or whatever they're going to do with this—then, again, they're reminded of the Scripture: “What does this sword represent, to me, about Easter?” Or you could do that sometime during the day—again, asking, “Well, what do you remember about that sword we talked about three days ago?” It's just that continual remembering and reminding that we're so often told to do in Scripture. We don't remember it the first time. Barbara Rainey: Right. Bob: During the Easter season, a family could use these eggs to really spark their family devotions, whether it's at breakfast every morning—having a different egg on the table and opening it up, talking about what's in there, reading the Scripture. Maybe, at dinner or after dinner—go in the living room and have it—but it would just be a great way to give children a visual connection with the story so they're not just hearing it told; but they're seeing it with the symbols, right there, before them. Barbara: Maybe, you could hide the egg. There's always that—children love that element of seeking and finding. So, maybe— 12:00 Dennis: What do you mean—“children”?  [Laughter] I love to go on scavenger hunts. Barbara: Yes, I do, too. I do, too. You can hide an egg someplace; and whoever finds it that day could tell the story—that evening, at dinner. They could tell the Scripture that's with that. There's just a variety—I love hearing this creativity. That's what I am just hoping is going to come about as a result of this. [Studio] Bob: Well, we've been back in the archives, listening to a program recorded more than 20 years ago. Dennis: With a friend—a dear, dear beloved friend, Barbara Craft. Bob: It's good to hear her voice; isn't it? Dennis: It is. It is, and she couldn't have fathomed that this would go on to see more than 1.5 million dozen of these eggs distributed, all the way around the world. Bob: If she could have fathomed that, she would have come in and said, “Let me show you my copyrighted Resurrection Eggs.” [Laughter] Dennis: No, I don't think she would have. Barbara was all about outreach—wanting to share Christ with people. Bob: She was. Dennis: That's what prompted her in the first place.  13:00 Not long after we had Barbara here in the studio, we made a phone call to another grandmother. This grandmother may have been interested in sharing the eggs with her grandchildren; but it ended up sounding, to me, like that she was really excited about sharing them with her adult children. Bob: Yes. Her name is Cindy. She's a friend of Barbara Craft's. Barbara had shared the idea with her. So, we called her and said, “Tell us what you thought about the Resurrection Eggs.” [Recorded Interview] Cindy: When Barbara asked me if I would like these, I thought, “This is kind of hokey, but I like the idea.” And she had gone to so much trouble. So, I took them; and then, after I had them—when Easter came, I thought, “This is how I can do something in the center of my table after we come home from lunch.” I just decorated the table with them, and they didn't ask too many questions about it. When it was over, I just said, “We have a game we're going to play.”  14:00 I said: “The eggs all have numbers on them. As you turn them up, we need to try to decide, whatever is in the egg: ‘What does that represent that has to do with the biblical account of Jesus' resurrection?'” I was amazed at how they enjoyed it. They had a great time with it. So, that is something that— I know now I can have on my table every Easter, and it won't make any difference. It will be wonderful now when the little ones can come and participate. But no, I used it with adult children. And they didn't know what all of them were. It took a little while; but even one of my children—that is not so much in church now, but very well-trained—he enjoyed that. I thought, “That is not cramming it down their throat.” Bob: Yes. Dennis: Cindy, I want to thank you for being on FamilyLife Today and sharing your story with us. Cindy: You're quite welcome. Bye-bye. 15:00 [Studio] Bob: That's a phone call we made 20 years ago to a grandma who was using Resurrection Eggs—not with her grandchildren—but with her adult children. Just in case listeners were wondering, the other voice they heard there was a young Dennis Rainey. [Laughter] Dennis: It did sound a lot younger; didn't it? [Laughter] There's another phone call we made to Leah. She had three daughters that she wanted to share the story of Easter with. Bob: And this became a tradition for her family. [Recorded Interview] Leah: I've been just mesmerized; and to this day, we've done it for probably four years—it's kind of a tradition. Bob: Now, how old were the girls the first time y'all did this? Leah: Probably two, four, and six. Bob: Do you do it on Easter? Leah: No, we kind of use the week before Easter to prepare our hearts to worship the risen Lord on Sunday. So, it's not just Sunday that we worship on and observe Easter. Dennis: Leah, how do you involve your husband, Gene, in the process of sharing the eggs with your children? 16:00 Leah: Well, one thing that is really neat to do is Gene will hide the eggs in a certain room, and have the children find the eggs. That way, it makes the story of Jesus' resurrection a treasure to find. If they find the eggs, that's their reward—the Word of God is their reward. It's just a very creative way to share the Easter story with children because they love to see what's inside of something. In one of the eggs is a nail. You read to your child about how they nailed Jesus to the cross. They would take that—and I remember my five-year-old—her face. She went, “Whoa, Mommy!” to see a nail. Then, they would place it on their hands—on the inside of their little palms—just to see what that felt like. [Emotion in voice]  17:00 I think that the nail is the most powerful item in the eggs—that visual that you can hold in your hand. You can feel it and to see it. It's very powerful. I think that it just brings it home, and it brings the understanding to a deeper level for a child. Bob: I want to talk to your kids. Leah: Oh, you do. Okay. Bob: Yes. Why don't we start with Rebekah? Rebekah: Hello? Bob: Hi, Rebekah. How are you? Rebekah: Fine, thank you. How are you? Bob: I'm fine. Listen, we wanted to talk to you. You know the special Easter eggs that your mommy has? Rebekah: Yes. Bob: Tell me what they are. Rebekah: Well, there are ten eggs, and they all tell the story. There will be a little paragraph that she says—that's a Bible verse. Then, we'll take turns reading it. One would be—it'd say, “He died on the cross,” and there'd be a wooden cross, or “Feed my sheep,” and there'd be a little lamb. Bob: Yes. Dennis: Rebekah, this is Mr. Rainey. Do you really like going through those eggs? 18:00 Rebekah: Yes! Bob: Can we talk to Rachel? Rebekah: Sure; one moment. Rachel: Hello? Dennis: Rachel. Rachel: Yes. Dennis: This is Mr. Rainey. How are you doing today? Rachel: Fine. Dennis: Your mom did something last Easter with some eggs. Do you remember that? Rachel: Yes. Dennis: Tell us about them. What do you do with those eggs? Rachel: Well, she'll read a verse, and we'll open it up, and see what's inside. Dennis: Like, what will be inside? Rachel: Like the cross where Jesus died, and like the empty egg. Dennis: Do you really like to do that? Rachel: Yes. Dennis: Why? Rachel: It's fun. Bob: Does it get boring when your parents bring out those eggs, or do you like it? Rachel: I like it. Bob: But, don't they make you sit down and listen? Rachel: Yes. Bob: But that's okay? Rachel: Yes! Bob: Tell you what. Can we talk to Sarah? Rachel: Sure. Bob: Okay, thanks. Sarah: Hello? Bob: Hi, Sarah? Sarah: Hi. Bob: How are you? Sarah: Fine. Bob: Are you? Do you know Mr. Rainey? Sarah: Yes. 19:00 Bob: Do you? Okay. Dennis: Hi, Sarah. This is Mr. Rainey. Do you remember the Easter eggs that your mom uses every year? Sarah: Yes, sir. Dennis: Do you like them? Sarah: Yes, sir. Dennis: Why do you like them? Sarah: Because they're fun to open. Bob: What kinds of things does she put in those eggs? Sarah: Money, the cross, a nail, the empty egg. Bob: You remember a lot of them. Sarah, can we talk to your mommy again? Sarah: Okay. Bob: Thanks. Dennis: Bye-bye. Leah: Hello? Bob: We'll probably have some listeners who will think about doing this with their kids at Easter time. Would you encourage them to? Leah: I really would! It's just such a simple but impactful way to share the Easter story—a creative way / a different way. Dennis: Well, Leah—thanks for being on the broadcast. Leah: Oh, sure. Bye-bye. [Studio] Bob: Well, again, it's fun to go back and listen to some of the early phone calls we made when we were first talking to moms about the idea of a set of eggs that they could use during Easter week to tell their children the story of the resurrection. 20:00 Dennis: It worked back then, and it's working today. We just decided we would take the resource and re-release it with a 20th Anniversary Edition. I think what was already excellent, and outstanding, and a whole lot of fun has really been moved up a notch. It's cool because the booklet that goes with the eggs is available both in English and Spanish. Bob: In fact, look at the back of your carton there—Resurrection Eggs—can you read what it says there on the back? Dennis: Not upside down. Bob: Look. Read that out loud to our listeners. Dennis: Are you talking about the English, of course; aren't you? Bob: Huevitos de Resurreccion™—so Resurrection Eggs. The carton comes with both English and Spanish so that listeners can use it in either setting. Dennis: Bob is flaunting two things there—one, his experience from San Antonio— Bob: Huevitos. 21:00 Dennis: There you go; and secondly, he's also reminding me of my Spanish and the grade I received. Bob: What grade did you get in Spanish? [Laughter] Dennis: It was in eighth grade—that was the year. Gratefully, they did pass me on to the ninth grade—but not because I excelled in the language of Spanish. Bob: I don't think you've said the grade yet. What was that grade that you got? Dennis: It was south of “D.” [Laughter] Bob: We, of course, have Resurrection Eggs in our FamilyLife Today Resource Center. Our listeners can go, online, at FamilyLifeToday.com to order a set of these eggs to use, this year, at Easter time. Or if you live near a Christian bookstore, many Christian bookstores have Resurrection Eggs. I know Family Christian Store has them—I think Lifeway and Mardel have them. There are even Walmart®s, across America, that have Resurrection Eggs this year at Easter—just a great tool to use to share the story of Easter with children, with neighbors, with relatives.  22:00 Find out more. Go to FamilyLifeToday.com and click on the link that says, “Go Deeper,” at the top left-hand corner of the page. The information about Resurrection Eggs is available right there. You can order from us online. There is also information about the resources Barbara Rainey has been creating that can be used at Easter time to, not only share the story of Easter, but to beautifully decorate your home for the holiday, as well. Again, go to FamilyLifeToday.com and click on the link that says, “Go Deeper,” at the top left-hand corner of the page. There is information about these resources there. You can order from us, online; or you can call 1-800-FL-TODAY; 1-800-358-6329; that's 1-800- “F” as in family, “L” as in life, and then, the word, “TODAY.” Now, let me say a special word of thanks to those of you who are regular listeners to FamilyLife Today and have listened long enough to know that what we're all about, as a ministry, resonates with what you believe, as a family.  23:00 We are here to provide practical biblical help for your marriage and your family. We believe that if we can effectively develop godly families, those godly families can change the world, one home at a time. And we appreciate those of you who share in that mission and who help support the mission through your prayers and your financial contributions. If you can help us with a donation right now, we'd like to send you, as a thank-you gift, a set of three prayer cards—one that will give you specifics on how to pray more effectively for your husband, another card on how to pray for your wife, and then a third card for the two of you to use together to pray for your children. These are our way of saying: “Thank you for your support of the ministry. We really do appreciate your partnership.” Simply go to FamilyLifeToday.com. Click the button in the upper right-hand corner of the screen that says, “I Care.” You can make an online contribution; or you can call 1-800-FL-TODAY—1-800-358-6329. Make a donation over the phone, and ask for the prayer cards when you do that. 24:00 Or request the prayer cards and mail a check to FamilyLife Today at P O Box 7111, Little Rock, AR; and our zip code is 72223. Tomorrow, we'll hear more from people who have used Resurrection Eggs as a way to share the news of Easter with friends and family members. We'll talk more about that tomorrow. I hope you can join us. I want to thank our engineer today, Keith Lynch, and our entire broadcast production team. On behalf of our host, Dennis Rainey, I'm Bob Lepine. We will see you back next time for another edition of FamilyLife Today.  FamilyLife Today is a production of FamilyLife of Little Rock, Arkansas. Help for today. Hope for tomorrow. We are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you've benefited from the broadcast transcripts, would you consider donating today to help defray the costs?   Copyright © 2014 FamilyLife. All rights reserved. www.FamilyLife.com    

In this episode of the Houston Home Talk, Cindy West from NRL Mortgage and James talks about the process of getting a mortgage loan, interest rates, NRL Mortgage loan programs you can apply to and other things such as Cindy’s career trajectory and how her knowledge in forensic accounting helped her in her role as a mortgage loan officer. QUOTES“You have to make sure that the house is not listed for sale, because that’s a red flag in mortgage, before you cash out.”“The buying power of people changes significantly as those rates go up.”MENTIONSContact Cindy:Phone: 832-370-7373Website: https://cindywest.nrlmortgage.com/SHOW NOTES[0:02:10.9] How Cindy got into mortgage lending[0:03:32.4] How forensic accounting works[0:08:02.3] NRL Mortgage loan programs[0:14:25.1] James and Cindy talk about interest rates[0:21:04.4] The difference between pre-approval and pre-qualification[0:32:24.5] Get in touch with Cindy!Full Transcript: [00:03] INTRO: Welcome to Houston home tall, featuring all things real estate in the Houston area. We'll interview real estate professionals, local business owners, and special guests from right here in the Houston community. This is where you get the inside scoop about what's new in real estate, new community openings and business openings, and much more. The Houston home talk show starts right now.[00:33] JAMES: All right, welcome guys. This is James with Houston home talk and I am joined today by my good friend, Cindy West in our El mortgage. Um, how are you doing this morning, Cindy?[00:45] CINDY: Hey James. I'm great.[00:48] JAMES: Awesome. I'm doing great. It's a little chilly for us here in Houston at a blistering 70 degrees. Now, just joking. People in the Midwest laugh at us when it gets too 40s. [01:00] CINDY: Yeah. Yeah. [01:02] JAMES: It is cold for us but I am glad to have you on. It has been an interesting ride as far as interest rates and a lot of things going on specifically this year. You have been in the business for a few years now. You've done really well and I appreciate all your insight. Just to kind of set the table for everybody, so sending and I have known each other for about three years. We've been working together. You came to visit me when I worked for a home builder and you were one of very few, really probably the only one person that really would come visit me because everybody else was scared to come see me working for a home builder because they just assumed that they could get no business from a home builders onsite salesperson which was not the case. [01:52] CINDY: No. [01:52] JAMES: I'm glad that you've been very tenacious and the way you work and I admire your work of it. I see you on Saturdays, Sundays. I see everywhere. You have gotten a lot of knowledge and your work ethic is been very, very admirable. What I want you to do is just kind of introduced yourself. You've got a very interesting background. Introduce yourself to the audience and tell us a little bit about your background and how you got into the mortgage.[02:22] CINDY: Okay. Sure. Yeah. I've been in the business three years ago and I'm like, my background started with auditing and taxes. I did that for several years and then I relocated to Los Angeles and I became a forensic accountants, which is very interesting. [02:39] JAMES: Okay. [02:42] CINDY: Pretty much what I would do is I worked with people getting in divorce, determining child support, alimony, division of assets and valuing businesses. Pretty much I would find the money and determine what the individual's cash flow was for child support and alimony. Then after that, and I relocated here with my family. [03:04] JAMES: Okay. [03:05] CINDY: That's where I met Chad Freeman and he is a manager for Nations Reliable Lending. Tell me about the job. My personality and my background was the perfect fit and my daughter is going into school so I thought, it's a great time to get back into the workforce full time. I took the test and passed it and then I'm on my way ever since.[03:32] JAMES: The forensic, you got to give me a…tell us back a little bit more. The last time I hear forensic, I usually think, CSI and one of these criminal shows when I hear forensics. Break that down a little bit more as far as what you did with that that as forensic accounting?[03:55] CINDY: Yeah, so pretty much, I mean it has to do with documentation. [03:57] JAMES: Okay. [03:58] CINDY: Thing at paperwork, a little bit differently and people represent themselves based on the tax return. I only make $25,000 a year when you're living in a half million dollar house and you drive a Mercedes and I could see all the charges on your credit card for limousines and things of that nature. I would pretty much hunt down the money. [04:21] JAMES: Got it. [04:21] CINDY: Figure out what the true cash flow is because people have businesses, they write off all their personal expenses, cellphones, cable bill, I'm 100 percent of their auto. All those things are not true. Business expenses, personnel. They drained the company, and they want the write offs. They pay as much taxes. From a divorced stamp, that's now your cash flow. We add back all this personal offenses as perquisite come up with somebody's true cash flow. Then that's how we figured out how child support and alimony.[05:00] JAMES: Okay. I see. Then the connection with that and the connection to the mortgage side of the business because a lot of what you were doing and that career really translates into you being a mortgage lender because a lot of the details that come along with, especially, specifically you brought up self-employed because those are the biggest challenges when it comes to the mortgage. [05:24] CINDY: Yes. Yeah. [05:26] JAMES: How does that background, how did that help you on the mortgage side because like I said, I know you've only been three years but you've been…you've been very, very successful and the time that had been a mortgage lender. How has that helped you in being successful in what you're doing now?[05:42] CINDY: Definitely the tax knowledge and the attention to detail and I'm looking at paperwork a little bit differently. Very detail oriented, which in mortgage you have be, when you looked at the paperwork upfront for a year under contract and kind of figure everything out ahead of time instead of having issues under contract that who I wish I would've seen this or looked at it closer than. Definitely the tax return and the tax knowledge has helped me with understanding the actual tax return for the self-employed borrowers. [06:18] JAMES: Right. [06:18] CINDY: You can have a schedule C which is on your 1040 where you can have 1065, which is a partnership returns, that's corporations or your 11 languages are C corps. Understanding how somebody gets paid out of each one of those is quite really friendly. You can get paid out of distribution. You can get paid through salaries and wages or dividends depending on what X return you're filing. That's definitely given me an edge on a fast track and dealing with more sophisticated buyers would complex tax returns. The attention to detail, I'm looking at paperwork and just knowing. I've seen all these documents who I've been working with them for years. It's definitely helped.[07:08] JAMES: No. That definitely explains a lot because I've had a brief stint as a mortgage lender as well, so I understand the level of these. I don’t think a lot of people understand it and unless you've done it. There was no way. As a realtor, most realtors, all we care about is the loan approved. [07:29] CINDY: Right. [07:30] JAMES: Always funded. Those are the words that kind of care is, are we funded. Okay. When you're behind the scenes, the level of detail. There're so many moving parts. There's so many moving parts. I appreciate you guys more because I've had a boost said joining and kind of understand now that there's so much that goes on behind the scenes. Someone like yourself with that background and being very detailed. It's so important. It really is. Now, I know you guys have a program because one of the things that I work a lot with, I work a lot with home buyers will still be sellers who have a home to sell before they purchased their next home.I do a lot of new construction and so typically, we have a contingency to where the only way they can purchase the new house is if they sell the current house and multiple cases. I know you guys have a product that's kind of design and you don't have to go into a whole lot of detail, but I know that's something that I wanted you to share a little bit about because I think it's important for people to know that, that you guys have that product. I've dealt with a lot of lenders. I don't know anyone that has a program like this. I might be wrong. I know anybody that has that program. Tell us a little bit about that. A little bit about that program.[08:53] CINDY: It's a fantastic program because people that are looking to buy and I say new construction, it doesn't have to be new construction. It can be anything, but who this product would best serve. Somebody that finds a house that they fall in love with. That they really want. It could be through a builder. They might find a lot, the perfect lot and I called a stack or on a green belt with backyard. Let's say water way or anything specific that they might lose if we wait to sell their house. [09:32] JAMES: Right. [09:32] CINDY: That's the emotional side of this product is somebody that's motivated to move forward, doesn't want to wait. I think this product also is more beneficial to people in the higher price points a significant equity. Pretty much in order for this product work, you have to have at least 30 percent equity, the partying residence, and you need 20 percent down payment to move forward on the purchase.Now, you can obtain gift funds for the 20 percent. However, you do have to have at least 5 percent of your own friends. That would mean 25 percent now. You can get the Gift Front Lens of 20. You bring 5 percent. The 30 percent equity, if you have your house paid off or have significant equity, meaning like 30 percent or more and you don't have the cash in bank, you can do a cash out refi, pull out 20 percent as long as you leave 30 percent equity in the parting residence. You can pull out money to use that on the down payment for the purchase side, [10:43] JAMES: Got it. [10:45] CINDY: Yeah, you have to make sure the house is not listed for sale because that's a red flag and mortgage, so before you get a cash out. It's a purchase just like any other purchase, but we are eliminating that just from the ratio. You actually will have two mortgage payments until the house is sold. The only stipulation is that their house has to be listed for sale prior to the purchase of the new residents. That's it. [11:10] JAMES: Okay. [11:11] CINDY: That's something where if you're building builder relationships, that's a good thing to have because the builder that's going to identify that and it's going to call you, you're marketing this product and lease the house for sale. That's the key is you're, as a realtor, you're getting the leasing and hopefully, the buy side as well, because you're going to get a walk in client that falls in love, has a house to sell and that builders not going to wait, want to wait three to six months for the house to sell or probably does not want the contingency offer because if it's in a higher price point, we might take a little bit longer. Or if it's a flooded house that you have for sale, who knows how long going to take it so. It's a great product that allows people to move forward without waiting for the house to sell and then they don't lose equity. They don't have to half the price. They just have to afford the two payments[12:07] JAMES: Right. There're a lot of people that are in that position to be able to do it especially like you said, in a higher price point. This helps them not lose out because I've seen it on several occasions where they probably could qualify for both financially, but this product, like I said, this product wasn't around. I knew I have no knowledge of that product a few years ago. It's a great option for people that are…that are looking to buy another hall or build either one. I'll make sure I post your information because there're people out there that want to reach out to you and get a little bit. I know there's probably a little bit more detail, which you probably just speak with somebody in person. Speaks somebody over the phone to get a little bit more detail about their situation and how the product help, but I know it's a great product and it can help a lot of people.[13:05] CINDY: Yeah. Builders love it. I'm not competing with Mortgage Company. They're in house lender to add on to their business, to help it grow. I'm not looking to compete with them. I usually can't let their incentives. [13:17] JAMES: Right, yeah. [13:18] CINDY: This can eliminate the contingency offer and it's very attractive to builders and playing lots of calls and emails from builders I've ever even met before clients. Again, it's a great…it's a great marketing tool to get connected, to build a relationship and help builder build business and great for realtors to use that as well.[13:45] JAMES: I know a lot of builders are work with a ton of them in a new construction kind of what I specialize in more than anything. Having worked for a few builders myself personally. I will make sure they all know about this. Like I said, anybody is working for builders that might be watching this. I'll make sure they get you a contact because the onsite…where the onsite, salespeople or about getting…they don’t get paid to do loans. They get paid to close homes. [14:14] CINDY: That's right. [14:14] JAMES: Having you as a resource and in those situations is a great, great thing to have a speaker. I'm speaking from experience. I know one of the big things and challenges that I've seen so far this year are the interest rate. Rates have slowly just crept up and I back in January and February, I was telling people that rates are going to increase and unfortunately they have. Now we're now almost to the end of the year and so one, I guess, what are we looking now. FHA, I know everything obviously based on credit scores, but what kind of averages are we saying on FHA, conventional, and then what are we looking at? Maybe first part of 2019 that you kind of thing, well what may happen, which rates come from that first quarter?[15:09] CINDY: Well, definitely rates have slowly increased. They're in the fines, so again, to then plan your LTB FICA score, debt information, that I've seen. ORS, donate them five again. Sometimes they come with the discount, to the rate of that. Rates are still great. There's still near historic. Still a great time to buy. Do not wait to buy a house. The rates are going to go down. Of course I don't have a crystal ball. That's my said, good judgment indicates that I think are going to probably stay or climb a little bit. The interest rates a tight to this, excuse me, the 10 year treasury. [15:53] JAMES: Right? [15:53] CINDY: Usually when the Fed announces the direction of interest rates, they going to use some hikes, the market has a tendency to accelerate that. If they're going to say an increase in December, market goes higher before that. It's stable. It's still…they're still near historic low and they're in the five and would not wait 1 percent increase in the interest rate. Will make it 13 percent increase in your payment. [16:22] JAMES: Absolutely. [16:23] CINDY: A thousand dollar monthly payment. Your payment will go off to a 103 or extra $130 a month. That's pretty significant. People always talk about the score and want to increase it. I tell them, I said, you time you increase your score, you're going to be offset by the higher rate.[16:43] JAMES: Right. [16:44] CINDY: It's a lot. [16:46] JAMES: Yeah. That could take somebody from qualifying to not qualify. The bump in the rate and for people and for some people that might be borderline or maybe close anyway and you wait. You're not really winning and a lot of cases. You're not winning by waiting a. I try to encourage people, if you find…if you find a home that you're interested in now, don't wait because literally, half of point or all the point can make a significant difference. It can't really be the difference when you qualified or not in some cases. [17:19] CINDY: Yeah. Yeah. Or you have to drop the purchase price or have to come up with no money down to offset that. For every $10,000 you put down in a house, your monthly payment will change by $20,000. [17:32] JAMES: Right. [17:32] CINDY: $20,000 will only make $100 a month difference in your payment. That's not a lot of movement with significant $20,000 down payment. You're better off to do it now because rates in the fives are fantastic. I know people go back to the past and threes and fours and the confused I've seen. Ladies and gentlemen, that was history. You make three for a lifetime. [18:06] JAMES: Yeah, that's just… that's with sales. [18:04] CINDY: Gosh, yes. [18:04] JAMES: You've set the sale that made you want it. [18:08] CINDY: Right. [18:08] JAMES: It's funny when people started talking about the rates now, how they're going up and I tell people, before the crash, it just rates are in the 60s. [18:18] CINDY: Yes. [18:19] JAMES: My parents, when they bought their houses, they were in double digit. It's just perspective but if you didn't own a home before '07, '08 and maybe you just, you started looking into it after 2008. Basically the last 10 years, it won't be spoiled. [18:39] CINDY: Yes, absolutely. It means accidentally. [18:43] JAMES: It wasn't on purpose. They were spoiling. There's either the Katas or they're hard. [18:47] CINDY: I know, right?[18:48] JAMES: They were doing it to encourage people to go by because everything had kind of tanked. '08, '09 that's why those race was so insanely low, it was encouraged people to go out and own. Obviously, as the economy starts to get better, it's just a matter of time before those rates start creeping back up and that's where we are right now. [19:09] CINDY: Yes. Yeah. [19:12] JAMES: I laugh when people started talking about, oh my goodness, my rate's 4.8 and it's like…[19:19] CINDY: I know. [19:20] JAMES: Five [19:21] CINDY: Right. [19:22] JAMES: Rates are still very, very low. Yeah. Historically speaking, if your history is only six years ago. [19:31] CINDY: I know, right. Yeah. [19:34] JAMES: It’s a difficult… [19:34] CINDY: First house too that we bought was back in 2006 and it was 6 percent. I remember high fiving in the kitchen and using hands like, everybody was paying 10 and 11 percent, and I get 6 percent. That was a great rate. Six percent so great rate. [19:54] JAMES: Yeah, wise. [19:54] CINDY: It is good. [19:56] JAMES: Yeah. Absolutely was, yeah. I find it funny when people started talking about it, but we can't control it. Home ownership is still a better way to go. [20:09] CINDY: Yes. [20:10] JAMES: Paying a 5 percent interest or half or whatever it is and whatever it ends up being in 2019. It's still a better option than renting and in most cases. We'll continue to encourage people to go on. The sooner the better because rates, from what I see, and you can speak on that. For what I see, it seems like it's going to…the experts are saying that 2019, of course again, there's no crystal ball. Yeah, we're going to maybe be in that consistently in the 5 percent range. Who knows for, but that's what I see and that's what I've read. [20:51] CINDY: Yeah. Definitely would agree with that. Yeah.[20:53] JAMES: Yeah. The buying power for people, it changes significantly as those raised a lot. Yeah. If you guys are looking at a owning a home call, call Cindy. [21:04] CINDY: Yes. [21:04] JAMES: One more thing that I want to ask you. I want you to distinguish between pre-approval versus pre-qualification because I get this question a lot. I know what the difference is. [21:16] CINDY: Right. [21:16] JAMES: They are a big difference. I want you to speak on that a little bit so people really understand the difference and when, as a realtor, if you're making an offer on one of my listing with the prequalification letter, I'm not feeling that comfortable about it quite honestly. [21:32] CINDY: Yeah. [21:33] JAMES: Yeah, speak on that a little bit and tell the people the differences are. [21:39] CINDY: Sure. Okay. Definitely pre-qualification and pre-approval. The underwriter, there's a couple differences. The underwriter does the pre-approval, so that's when it actually goes into underwriting. [21:53] JAMES: Yeah. [21:53] CINDY: There're levels of prequalification letters that have stronger credibility than others. That's pretty much the documentation. [22:05] JAMES: Yes. [22:05] CINDY: When that consumer fills out a credit application and we call them. We go over the 10 on 3 with them. We pull their [inaudible] with score, input their liabilities and the application, make sure their debt to income ratio is right and sure. The LTV is right. Run interest rate pricing and make sure we get automated underwriting system approval, which is the automated scientific version of what an underwriter does. When we get an approved eligible, that triggers us to give a prequalification letter. [22:41] JAMES: Right. [22:42] CINDY: On that letter thought, if we want to take it to, I always say, I want to upgrades your prequalification letter, just to upgrade its which means I'm going to now look at your source document. [22:53] JAMES: Right. [22:54] CINDY: Source documents are your tax returns to your tax returns, early day pay stubs. That's the critical part because we really want to look at the tax returns to see what are you writing off. If you're a W2 employee, to write off, [inaudible] 106 expenses, with your salary reimbursed expenses. Because if so, we may and I say may, have to charge that as debt because those are business expenses that you're claiming. There are different programs where you may be able to skirt around that like a W2 only program if you don't own any real estate, you might be able to eliminate that. The point is, is that we need to look at the documentation that will uncover potential issues and can give us a better direction of which way we want to take the financing. [23:50] JAMES: Right. [23:50] CINDY: Yeah, it's pretty much, it’s a prequalification letter. It's just reviewing the documentation or not. That, if you're realtor, that's one of the things that you should look at is the documentation. [24:04] JAMES: Yes. Yeah. Because I mean, the prequalification, and yeah, you spoke on. That you can go online and fill out some information and get a prequalification spit out. [24:13] CINDY: Yes. [24:13] JAMES: With no verification of anything, which is why I love the fact that you take it a step further. For all of us that are involved in the transaction. From realtor to lender, we wanted to be strong. Nobody wants to waste time going through contracts and inspections and everything kind of like that. [24:37] CINDY: No. You can raise so much money. Like you wait to you inspection fee, your option fee. [24:42] JAMES: For sure. [24:42] CINDY: Even lose your earnest money, appraisal. You talk in $3,000. [24:47] JAMES: Yeah. [24:48] CINDY: I always…the realtors that I work with, I always train them, teach their clients in the beginning because you're the front contact. Let's see, pair them with need and it's very easy to your tax returns to your W2's, a 30 day pay stubs, two month bank statements, and even the bank statements are pretty significant. Even ID, I mean we've uncovered…we don't look at the beginning and then things happen that's expired and they don't have time to go get it renewed or there's always something. Really, I always tell borrower. I said, it is a lot of extra work. There is no benefit to them, the consumer if they don't provide that upfront. [25:29] JAMES: Yup. [25:32] CINDY: Good realtors prepare their clients for that right in the beginning. When I come in and talk to them, they've already heard it from you, another hearing it a second time. Again I pushed for that. I can't make them do anything. I tell them what's that risk? If they don’t get those documents and they usually, I've never had a problem with anybody complying with that. [25:59] JAMES: Right. Yeah. I think you said it. Yeah, setting that expectation from my end before they ever really talked in and most of the time, not all the time, but most of the time, it's going to start with the agent. That is so important to set that expectation. [26:12] CINDY: Yeah. You're really the point of contact. This is your lead. [26:17] JAMES: Right. [26:17] CINDY: The relationship in some way. Either from a referral or somebody that's coming to you to buy a home and I'm just the support behind the scenes. You lay the groundwork. You're going to have more credibility because you know what you're doing because this isn't your first rodeo. Then when I get them, they've already heard it before. It's really the call about preparing them and making it easier for them.[26:43] JAMES: Absolutely. [26:43] CINDY: The financing process can be, we asked for lots of documents throughout the process from start to finish and consumers will always say, is this all you need? I tell them, I'm like, well this is all I need today. [26:57] JAMES: Right. That's right.[26:58] CINDY: I'm going to back up really people behind me that are going to look at your file in a completely different way than I do. The underwriter is going to ask for conditions that need to be cleared. The processor's going to ask for documentation, my production partner, and then we might ask you for the same document again because you might not be exactly what we need. We can ask for documents up until a week or less than a week before closing. You can prepare your borrowers for that and if that doesn't happen, then it's even better.[27:33] JAMES: Yeah, supplies. [27:35] CINDY: Yeah. [27:35] JAMES: Absolutely, yeah. Now I try and said that explanations for all my clients, so yeah. It could go up to the day or the week before. [27:46] CINDY: Yeah. [27:47] JAMES: Just prepare for it. If it happens, then you know. You knew it was a possibility and I think that just makes people feel so much better because…and it's not a difficult thing just to let people know. This is not. There's a lot. It's not a straight. It might go like this. [28:06] CINDY: Yeah. [28:07] JAMES: With the close. It's not just a straight…a straight. There're a lot of things that happened. A lot of adjustments that get made, kind of like flying a plane. We never really feel it for the most part, but there're a million adjustments that these pilots are making over in a plane. Out of my analogy when it comes to a mortgage loan, because it's the same thing. It starts off one way and eventually you'll get to your destination which is closing. It's not always just a smooth process and a pupil, so frustrated with it. [28:39] CINDY: When I'm there along the way, every step of the way, I tell my followers, you can follow me after 5:00 and you can call me on the weekends. There's going to a lot of stuff that it's going to be thrown at you and especially that first time home buyers, I'm here to help you to translate what somebody else is asking. I might not be specifically asking you, but somebody else has requested that non-certain. That's part of my job. There is service court, which is mortgage lenders like myself, local small lenders. That one of the benefits is the service and being available and for the realtor as well to call and know that every time they call me, I answered the phone and I can get my voicemail. You're going to get me. [29:30] JAMES: Yes. [29:30] CINDY: You can ask the questions and I'm going to give you a straight up answer or I'm going to find out the answer if I don't know. Figure it out because you're left on a, on a ship that with the captain.[29:44] JAMES: I had that happen. I know there're a lot of realtors, its happened. Lender just do this but I know I'm working with you for the past three years. You are truly aware. You do answer the phone. Whether it's good or not, you're not the lender who just takes off and which is amazing that it happens, but it does.[30:06] CINDY: Bringing bad news to people is not easy. There's nobody on the planet would like to do that. Especially, the largest purchase of your life and that would not be a good thing and I try to stay clear of that, meaning I don't have bad situations at my peak that I qualify either solid and if they're not which means there are some weaknesses in their credit profile, which there could be that prepare them for that. I can say, this is what we're…this is the plan, and I give them the option. Your ratios are super high. You've got these collections that could be an issue. Here's what you risk. Your option money, your inspection fee, your appraisal fee. I will tell them that its a weaker profile and let them make a decision if I want to move forward or not. It also tell my realtor that too, so that they can be prepared if I have to make that call and say we, there was a hurdle that we just couldn't overcome. Blindsided like, well, why didn't you tell me this? Because yeah, I haven't run into that yet, but I will and I would. That's how I would approach that there wasn’t a paper lending. [31:29] JAMES: Yeah. There's a lot of stuff that happens that we just, again we don’t have control over what this, what the transaction is. So many people involved with so many things that happened. It's just the nature of what we signed up for this. [31:46] CINDY: That's right. [31:46] JAMES: We have this business but we love what we do. We all do because it's…it can be a crazy, crazy business. It really can. You are really good at what you do. I will excel the builder, all my builder partners that I know of. They are looking for a dependable vender. You are definitely a… [32:11] CINDY: Thank you. [32:13] JAMES: I'm speaking from personal experience, so not mean I've worked with you and I've seen what you do. How can people get a hold of you? Website, phone number? What's the best way? I'm going to post your information as throughout but…[32:30] CINDY: Okay. [32:30] JAMES: Go ahead and give…what's the website and in your phone number where to reached for you. [32:34] CINDY: My phone number is the best way. [32:36] JAMES: Okay. [32:37] CINDY: 832-370-7373, that's the best way. [32:42] JAMES: Okay. [32:43] CINDY: Yeah. [32:44] JAMES: Got it. [32:45] CINDY: My phone and now we will…you can go from there. Apply online. I get a direct portal website for online applications. [32:53] JAMES: Right. [32:54] CINDY: Get notification when it started. Application started and I get a notification when it's completed through email. What I usually do is I call the borrower right away. Introduce myself. Go over the 103 with. [33:08] JAMES: Okay. [33:08] CINDY: My link to apply online is cindywest.nrlmortgage.com.[33:17] JAMES: Okay, say that on more time. Cindy West just one word.[33:18] CINDY: Cindy West one word dot NRL mortgage.com. [33:24] JAMES: Got It. Okay, I'll make sure I'll post that on so people can have that and say if there's…if someone just got some questions about that, that special program that you guys have because there's probably a lot more detail that you can speak with and that…or just any loan. You have it take conventional or Cindy does it all. [33:41] CINDY: That's right. Okay. [33:42] JAMES: She could help you guys and she will get you to the finish line. I promise you. She's really good at it and I appreciate your time Cindy. [33:52] CINDY: Thanks James. [33:53] JAMES: We will do this again. [33:55] CINDY: Yes. [33:55] JAMES: Now we're about to head and get into the holiday season here the next week or so. We'll make sure we do this again. We can sit here and talk for hours about this. There's so much talk about. [34:09] CINDY: There is. [34:10] JAMES: We'll do this again. I appreciate your time. [34:13] CINDY: Okay, thanks. [34:14] JAMES: We will do this again. Thank you so much Cindy. [34:17] CINDY: Okay James. [34:17] JAMES: You take care.[34:18] CINDY: Thank you. [34:19] JAMES: All right. [34:19] CINDY: All right. Bye. [34:20] JAMES: Bye-bye. If you like this episode of the Houston Home Talk podcast, please don't forget to like, share, and comment! We appreciate your support and feedback! See acast.com/privacy for privacy and opt-out information.

配乐：《Mike Dawes - Titanium》笨笨口语四步法Ben's Four Steps第一步：音节分解第二步：逐个单词第三步：连读分解第四步：一气呵成I just want to slack off today.我今天想偷懒。 NO.1音节分解（多音节词详细分解，方便读音与记忆）双音节词to-day：/tə-ˈdeɪ/ adv. (副词）在今天 NO.2逐个单词（标准美音慢速朗读，讲解拼读、音标、词法、语法）I我just仅仅want想要to slack松懈的 off离开today在今天 拼读与音标拼读a字母的闭音节/æ/例词：slack（单音节）松懈的lack（单音节）缺乏black（单音节）黑色的fact（单音节）事实 词法与语法无 NO.3连读分解（连读略读，全面分解，真正说出一口流利美式英语）连读slack off→slack offsla ckoff略读just want to→just want tojus wan to NO.4一气呵成（慢速朗读，反复收听，大声模仿，脱口而出)I just want to slack off today.我今天想偷懒。 英英解释单词学英语思维（既然是英英解释，不再提供中文翻译）slack：松懈的;懈怠的 Someone who is slack in their work does not do it properly. 坐在课室上课没有精神时，坐在办公室没有心思工作时，该怎么办呢？只好是不被别人发现的情况下，偷个懒，“打混摸鱼”，而Slack off是口语上很常见的说法。请看例句：1. Slack off 偷懒Tony：I just want to slack off today.我今天想偷懒。Andy: Isn't that what you did yesterday?你昨天不是已经这样做了吗？2. Sleep in 赖床Sleep是睡觉，除了Stay in bed是赖床之外，我们还可以用sleep in来表达“赖床”，请看例句：Mary：It's Monday again! I wish I could sleep in.今天又是周一了，我真希望我可以赖床。Bill: Of course you can. You'll just be fired that's all.当然可以啊，不过你会被开除而已。3. Lazybone 懒骨头这个英语表达的构造和我们中文里的表达很像，中文里说是懒骨头，那英文里也可以直接讲lazybone。请看例句：Kid：Dad，don't wake me up until noon.爸爸，中午前不要叫醒我。Dad: You lazybone. It's already dinner time.你这个懒骨头，现在已经是晚餐时间了。4. Feel sluggish 反应迟钝、感觉迟钝不知道大家有没有试过在感冒的时候或者星期一的时候，脑子不太灵光，手脚也不是太灵活呢？那么，这种情形，你就可以用这个表达来表示自己的感觉。额外补充一句，slug是指没有壳的蜗牛，代表动作很慢。请看例句：Bonnie：I'm feeling sluggish today.今天我感觉身体动作缓慢。Cindy: You are a slug in real life.你本身就是一只（动作缓慢的）没有壳的蜗牛。5. Couch potato 花大量时间看电视的人注意哦，couch potato可不是一道菜肴，而是指坐在沙发上看电视偷懒的人，而当我们靠在沙发上时，可以一边吃potato chips，可以一边看电视，想想也是觉得蛮开心的。请看例句：Daisy：What's your plan for the weekend?你这个周末有什么打算吗？Elena: I had a long week. I just want to be a couch potato.这个星期过得好漫长，我只想呆在家里看电视。看完以上的内容，那下次和小伙伴聊到有关“偷懒“的英语话题，一定要记得使用今天学过的表达哦！

A reactive dog can be a heartbreaking situation for someone who has big goals. Especially when that dog is supposed to be an agility superstar and ends up biting someone out of fear. What do you do when something serious happens? How do you turn that around? Cindy joins Kathy on this episode of Enlightened By Dogs to share Lyric’s story of trust, and triumph!   In This Episode A dream that turned into a reactive nightmare When all of the typical things don’t work, what am I supposed to do? Revisiting the baby steps and building trust Taking the pressure off and getting into the ring Advice for new dog lovers and trainers, and the impact of a strong relationship   “All my hopes and dreams were going down the drain” - Cindy “I was trying so hard to help her and I couldn’t help her” - Cindy “We have to work really hard at forgiving ourselves” - Kathy “The trust comes when your dog knows that you understand them” - Kathy “No matter how positive the reinforcement is, it’s still pressure” - Kathy “It’s a way of life rather than a training program” - Cindy “We can’t fix anybody else but we can certainly control how we react to things and how we approach things” - Cindy “You gotta let go and trust your feelings” - Cindy Register for Kathy’s free Brilliant Partners Workshop!   Dog Behaviour Breakthrough: A Relationship Revolution http://dancinghearts.link/bpaworkshop

Cindy Gallop is a former advertising executive who now runs Make Love Not Porn, a startup rewriting the rules of sex online.  Cindy is 57 and she "shouts it from the rooftops." Whether you're a precocious 25 year old in a room full of older executives, a woman over 40 who feels increasingly uneasy, or a 60 something tech nerd feeling squeezed, there is a feeling that we should hide our age. Cindy doesn't do that. She dates younger men. She's a tech entrepreneur. She's a total role model. Take it from Cindy: You can live your life differently from the way society expects you to and be incredibly happy. Let's #DisruptAging!

We’ve been writing about the GDPR for the past few months now and with the GDPR recently passed into law, we thought it was worth bringing together a panel to discuss its implications. In this episode of the Inside Out Security Show, we discuss how the GDPR will impact businesses, Brexit, first steps you should take in order to protect EU consumer data and much more. Go from beginning to end, or feel free to bounce around. What is the EU General Data Protection Regulation? Who will be tasked to implement GDPR? What’s the first step you need to take to take when implementing GDPR? Data Breach Notification Brexit and GDPR Territorial Scope Tension between Innovation and Security Tips on Protecting Customer Data Final Thoughts Upcoming Webinars: July 21st English, July 28th German and French Cindy: Hi and welcome to another edition of the Inside Out Security show. I’m Cindy Ng, a writer for Varonis’s Inside Out Security blog. And as always, I’m joined by security experts Mike Buckbee, Rob Sobers, and Kilian Englert. Hey, Kilian. Kilian: Hi Cindy. Cindy: Hey Rob. Rob: Hey Cindy, how is it going? Cindy: Good. And hey, Mike. Mike: Hey Cindy, you made me go last this week. That’s all right. Cindy: This week, we also have two special guests, also security experts. Andy Green, who is based in New York, and Dietrich Benjies who is based in the UK. And they’re here to join us to share their insights on the latest General Data Protection Regulation that was just passed with an aim to protect consumer data that will impact not only businesses in the EU, Britain and the US and the rest of the world. So Hi Andy. Andy: Hey Cindy. Cindy : Hey Dietrich. Dietrich: Hi Cindy. What is the EU General Data Protection Regulation? Cindy: So, let’s start with the facts. First, what is GDPR and what are its goals? Andy: In one sentence? Can I get two? Cindy: You get two and a half. Andy: Okay, two and a half. So it stands for General Data Protection Regulation. It’s a successor to the EU’s current data security directive which is called the Data Protection Directive, DPD. And it really…I mean if you are under the rules now, the GDPR will not be a major change but it does add a few key major additions. And one of those is…well there is a stronger rules on, let’s say right to access your data. You really have … almost like a bill of rights. One of them is that you can see your data, which is maybe not something in the US we are experienced with. Also, another new thing is you have a right of portability, which is something that Facebook probably hates. In other words, you can download the [personal] data. If I were, I assume this would happen in the UK or the EU, that if you are a Facebook customer you will be able to download everything that Facebook has and have it in some sort of portable format. And I guess that  [if you have another] social media service, you can then upload that data to that social media service and say goodbye to Facebook, which is kind of not something they’re very happy about. … You have almost like a consumer data rights under the new rule. I don’t know if anyone has any comments on some of these things but I think that’s…that, I think, is like a big deal. Dietrich: I’m sorry Mike. Were you going to go next? I chimed in so I suppose I’ll carry on- Cindy: Go ahead, Dietrich. Dietrich: So I think in terms of your attendance, it’s the European Union recognizing that data is…the European citizens recognize their data as important and historically, recently and historically, there has been many cases where it hasn’t been demonstrated to be appropriately controlled. And as it’s a commodity, the information on them is a commodity traded on the open market to a degree that there has just been an increasing demand to have greater safeguards on their data. And those greater safeguards on European citizen data gives them greater confidence in the market, in the electronic market that the world economic market has become. So that the two pillars, which we’ll get to, or the two tenants are Privacy by Design and accountability by design … we’ll get to a lot of things but that’s synopsis on it. Mike: I was curious about to what extent this was targeting enterprises or is it targeting, say like you brought up Facebook, which I consider an application, like a web application service. Was there an intent behind this, that it’s targeting more one or the other? Andy: Yeah. It’s definitely, I would say consumers. I mean it’s really very consumer-oriented. Dietrich: Mike do you mean in terms of it’s targeting the consumers? Yes, it’s consumer data. It’s related to but do you mean in terms of the types of businesses where it’s most applicable? Is that what you mean Mike? Mike: Well, you know, there is a decision-making framework that, so now with GDPR as the Data protection Directive to need to make decisions, that I’m building an application, I’m going to need to have new privacy features. We talked about Privacy by Design which has its own sort of tenets. Or I’m building out the policies for my company which has satellite offices all over the world and some of them happen to be in the EU. Just trying to look at the impact and look at how this should change my decision making on the business. Dietrich: Well, it’d be cynical. I’d say if you want to avoid it totally and entirely, just don’t sell to an EU citizen. Rob: Yeah, I think, to answer your question, Mike, the Facebooks of the world and these global web services are going to have to worry about it if they are collecting data. And we all know Facebook not only collects the data that you give them but it also ascertains data through your actions. And I think that’s what Andy was talking about is that it’s not just the ability to click a button and say give me my profile data back now so I can take it with me. It’s like I put that data in but I think what the GDPR is aiming to do is give you back the data that they’ve gathered on you from other sources. So tell me everything you know about me because I want to know what you know about me. And that’s, I think, a very important thing. And I really hope that the US goes in that direction. But outside of those web services, think about like any bank that serves an EU customer. So any bank, any healthcare organization, so other businesses outside of these big global web services certainly do have to worry about it, especially if you look in your customer database or any kind of…if you are a retailer, your transaction database, and you have information that belongs to EU citizens then this is something that you should at least be thinking through. Who will be tasked to implement GDPR? Cindy: So who needs to really pay close attention to the law so that you are executing all the requirements properly? Dietrich: Who needs to pay attention to it in terms of those organizations and scope? It’s pretty well spelled out that the organizations who deal with, who transfer, who process big things on processing and doing this information associated to European citizens. So if I backtrack a bit, it was where we are starting with the portability of the data, the information that we have, that organizations have on individuals and those subject access request, right to erasure, kind of the first and foremost is the protection element. Making sure that the data is protected, that we are not…organizations aren’t putting us at risk by the fact that they are holding our data and making that overexposed. Kilian: To kind of address the question more technically speaking, I think … everybody involved in the process needs to pay attention to it. From the people designing the app, Mike, if you want to launch your business, you need to realize that there are…boundaries are kind of made up anymore with technology. So right from the beginning, we’ll talk about Privacy by Design. But that needs to be the first step, all the way up to the CEO of the company or the board realizing that this is a global marketplace. So they want to get the most amount of customers, so they have to take it seriously. Andy: Yeah, I was going to say that they do have a heart at the EU … and they do make an exception …  there is some language for making exceptions for smaller businesses or businesses that are not sort of collecting data on, what they say, like on a really large scale–whatever that means! What you are saying is all true but I think they do say that they will sort of scale some of the interpretations for smaller businesses so the enforcement is not as rough. And there may even be an exclusion, I forget, for under 250 employee companies. But I think you are right. This is really meant for the, especially with the fines, it’s really meant to get to C-Level and higher executive’s attention. What’s the first step you need to take to take when implementing GDPR? Cindy: So if you are a higher up or someone responsible for implementing GDPR, what’s the first step you need to look for and so you don’t miss any deadlines, so that you are planning ahead? Andy: I think we had to talk about this the other day. I’ve actually talked about it with Dietrich. Some of this is really, I’d say, like common IT sense and that if you are following any kind of IT best practices and there are a bunch of them or some standards, you are probably like 60 or 70% there, I think. I mean if you are, let’s say you are handling credit card transactions and you are trying to deal with PCI DSS or you are following some of the– forget what they call — the SANS Top 20 … So maybe I’ll say it’s sort of like putting laws around some common sense ideas. But I realize the executives don’t see it that way. Kilian: Yeah. I think the first thing you have to do is figure out if you have that data, to begin with, or where it’s at. I mean the common knowledge is you probably do. If you do some type of commerce or interact with anybody really, you are going to store some information. But kind of nailing it down where it’s at or where it might be is I think the key first step. Dietrich: And in terms of deadlines, I suppose to answer your question very directly, the deadline is May 25th, 2018, is when it comes into full force. That is the, I wouldn’t say it’s fast approaching. We still have 23 months. … Dietrich: I’ve got a clock on my laptop right there. Deadline to GDPR. Data Breach Notification Cindy: So there is also a data breach notification. What does that process entail? Like how do you get fined and how do you know that personal data has been lost or breached? What’s defined as personal data? Because there is a difference between leaking like company ID, company IP versus leaking personal data. Andy: Actually I happen to have the definition right in front of me. So it’s any information related to a person. And in particular, it can be…so it says an “identifiable person is one who can be identified directly or indirectly in particular by reference to an identifier such as a name, an identification number, location data, or an online identifier”. So it’s really, I guess what we would call in the US, PII [personally identifiable information], but it’s broad. It’s not just a strict list of social security number or specific account numbers. Those are examples of the types of identifiers. So it’s very broad but it has to relate back to a person and they do consider the online identifiers as “relatable to a person”. Brexit and GDPR Cindy: And kind of I can’t help but ask Dietrich, will Brexiters be exempt from GDPR? Dietrich: No. Not at all. So, first off, yes. A week ago today, we cast our votes. And then a week ago tomorrow it was found out that yes, in fact, we are leaving the European Union. So the reality of that is we haven’t invoked article 50. So article 50 is that yes, we are definitely doing it. We are doing it and then we have 24 months for them to get the heck out of the European Union. The starting of that clock isn’t likely to happen for some time. For one David Cameron, who is currently our prime minister is stepping down…has stepped down. We have to wait. He said, “I’m not going to invoke. I’m going to let somebody else handle not only that process of invoking article 50 but in addition to that, negotiating the trade policies and all the things associated with the exit.” In addition to all the things associated with the exit is the adoption or exclusion of a lot of the European directives, GDPR being one. So we could just sit there and not only, so if you take that time scale that will come into play if article 50, and there is some questions on the legality of the referendum, which I won’t go into in detail but there is a lot of debate going on in the moment that we voted leave if it’s actually something that will happen. If it happens, and let’s say it will, the time scale of that activity is likely to be well after GDPR is in effect. And if GDPR does come…sorry, and even if we leave and the likelihood as in democratic country in which we live, we have cast a vote that we will leave, we could still take on GDPR as our own. We have our own Data Protection Act here in the UK. We could just bump it up with GDPR at a stroke of a pen. And that’s quite likely considering we are debating in negotiation. We will negotiate for, hopefully, as freer trade as we can do within the European Union and I’m sure that will be…it would make sense that that would be a dependent clause. Andy: And I was going to say, it looks like if you’re…since the UK has to trade with the EU, the EU countries are going to put in higher standards for e-commerce transactions. Dietrich: Yeah. They are out biggest trading partner. I believe and don’t quote me on this but I could be wrong. I think it’s 54, 54% of our exports go to the EU. And likewise, we are one of the biggest trading partners for France, for Germany, etc. Territorial Scope Cindy: So, the US, we trade with the EU and the… Dietrich: Do you? (sarcasm) Cindy: I’m really talking about territorial scope. And I’m curious if I start a business or Mike starts a business, we talked about this earlier, how will I…what’s the law in terms of me needing to protect an EU consumer’s personal data? That’s a little controversial. Go ahead Dietrich. Dietrich: Can I give you some examples on this? In the last 48 hours, I have purchased a flight from Southwest Airlines, United Airlines, I’m a European citizen. I have purchased a backpack from some random site that’s being shipped to my father. Look, I hope I’m not debt dipping myself in tax loss but anyway, you know what I mean. As a European citizen, I’m going to be in the States for three weeks as of next week. So I’m a European citizen who is going to be transacting, who is going to be purchasing stuff over there. So, considering the freedom of movement that exists, the small world in which we live where European citizens regularly travel to the US, regularly buy from sites online, I can’t see how the border is going to make any difference. Most, if not, I’d say the vast majority of organizations in the US will deal with European citizens and therefore at least for that subset of data related to European citizens, they will be…they’ll have to put in controls if they want to carry on trading with European citizens. Cindy: Go ahead, Mike. Mike: Well, I was trying to think of parallels to this. And there is one that I think a lot of people are aware of which is like the Cookie Law which is, there were some European directives around like you should have, like if you land on a website, sometimes you see those banners at the bottom that says this website uses cookies and then click to, which came out of a similar thing. That’s really only been European websites that are doing that, but that sort of a half step into this. I just wonder if that shows a model for how this is going to be adopted so that it’s only the very strictly EU sites. Andy: Yeah. I think that was, that came out of, I forget, it may have been the Data Protection Directive but you’ve got to gain consent from the consumer and they apply it to cookies, accepting cookies. So you do see that on a lot of the EU sites, that’s right. Mike: It just seems very odd because there is no…it doesn’t seem like it will improve things. It just seems like, yeah, we are getting cookies off you so here is this giant banner that gets in the way. Andy: Will they ever click no? Mike: Well, what’s interesting is that I don’t think I’ve ever actually seen like, “Yeah, no, don’t collect my cookies.” It just says like, “Hey, we are doing this so accept it or leave.” You are on my website now, so probably with a French accent. Tension between Innovation and Security Cindy: So in terms of, we talked about the cookie law, we’re talking about the GDPR. If you are a CEO and you know that there is a potential risk of anything really, and let’s say data breach, if something happens, they’re often asking, “okay, higher ups, can we work through this? Will our companies survive?” It sounds like people don’t like to be strong-armed into following certain laws. Like if I’m an entrepreneur, I’m going to come up with an idea. And the last thing I would want is like, oh, I have to follow privacy by design. It’s annoying. Rob: Yeah. I mean it’s a push and pull between innovation and security. You see this with all sorts of things. You know, Snapchat is famous for its explosive growth, hundreds of millions of active users a day. And in the beginning, they didn’t pay attention to security and privacy. They kind of consciously put that on the back burner because they knew it would slow their growth. And it wouldn’t have mattered as much if they never became a giant company like they are today. But then it came back to bite them, like they’ve had multiple situations where they’ve had data breaches that they’ve had to deal with and I’m sure devote a lot of resources to recovering from, not only on the technical side of things but also on the legal and PR side. So it is a push and pull but we see it in varying degrees everywhere. Look what Uber is doing as they expand into different markets and they have to deal with all of the individual regulations in each state that they expand to, each country. And they would love to just close a blind eye and focus on improving their technology and recruiting new drivers and making their businesses a success. But the fact of the matter is — and the EU is way out in front of everybody else on this — is that somebody has to look out for the customers. Because we just see it over and over again where in the US, it’s almost like flipping. Like we see these massive breaches where people’s healthcare information is exposed on the public web or their credit card numbers get leaked or God knows what kind of information. And it just doesn’t ever feel like there is enough teeth to make organizations really assess their situation. Like every time I apply– and I don’t do this very often, thank God!–apply for a mortgage in the US, the process, it scares me. You have to email sensitive information to your mortgage broker in plain text. They are asking for PDFs, scans of your bank account. And where that information goes, you’re just not that confident in a lot of these companies that they are actually looking at information and putting it in sensitive secure depositories, monitoring who has access to it. It’s just…without this regulation, it would be…without regulations like GDPr, it would be way worse and there would be no one looking after us. Kilian: You actually kind of beat me to the point I was going to make there Rob by couple of sentences. But, you know, fine. The businesses don’t like being strong-armed but the consumers don’t like having their entire lives aired out on the Internet. And I think you are 100% right there. It is a pain in the butt in some cases for innovation, but we keep going back to it or I will but Privacy by Design. You don’t have to make an and/or decision. If you start with that mind to begin with you can achieve both things. You can still achieve massive growth and avoid some of the problems instead of trying to patch up the holes later on. Dietrich: One thing in terms of the strong arm, in terms of the regulatory fatigue that organizations get, I have been dealing with organizations for some time and it seems that regulations are at points that the external world makes organizations focus on the only things they will focus on. And this is important. It’s important for us. I mean I kind of like…I don’t kind of like. I quite like the intent of the regulation. It’s down to protect me. It’s not something that’s esoteric. It’s something that’s quite explicit to protect more information. And if it requires a regulation for them to take heed and pay note and to get over the fact that regardless if they have been ignoring data breaches in the past, to do so in the future may cost them more than it had, then that’s probably a good thing. Andy: I was just going to say that one of the, like the one word they use in a lot of the law is just it has to do with Privacy by Design. It’s just minimize. I think if you just show that you’re aware of what you are collecting and trying to minimize it and minimizing what you collect, put a time limit on the data that you do collect, the personal data, in other words, if you’ve collected it and processed it and you no longer have a need for it, then get rid of it. It seems common sense and I think they want the companies to be thinking along these lines of, as I say, just minimize. And that shouldn’t be too much of a burden, I think. I don’t know. I mean I think as Rob was saying, some of these web companies are just going crazy, collecting everything, and it comes out to sort of bite them in the end. Mike: And this is me being cynical but I wonder if this is going to be a new attack vector. If there is like an easy way to get all your information out of Facebook, then that’s the attack vector and you just steal everyone’s information through the export feature. I don’t know if anyone else saw there is a thing that you could hijack someone’s Facebook account by sending in a faxed version of your passport. That was a means by which they would reset your password if you couldn’t do anything else and you lost access to it. They are like, “Well, this whole rigamarole, but fax in your passport,” and so people were doing that as a…I think its good intentions. I just wonder about the actual implementation, like how much of a difference it will actually make. Rob: Yeah, and I think you are right Mike that the execution is everything in this. With these regulations, we see it with failing PCI audits. PCI auditors that are checking boxes. And having worked for a software company that, in a previous job, that did retail software and was heavily dependent on collecting credit card information from certain devices and terminals and keyboard swipes and all sorts of things and gone through a PCI audit, knowing that there were holes that weren’t done by the auditors, it’s all about the execution. It’s all about following through on best practices for data security. And the regulation itself isn’t going to make you excellent at security. Tips on Protecting Customer Data Cindy: So if I’m trying to catch up… in terms… if I am not following PCI or if I am not following the SANS top 20, which is now renamed to something else like Critical Security Controls… so what are some of the things that I can start with in terms of protecting my customers’ data? Any tips? Rob: Well I mean one thing and Andy kind of touched on this is don’t collect it if you don’t have to. I think that’s the number one thing. I mean certain services out there actually make it easy for you not to touch your customers’ data. For instance, Stripe, which is a pretty popular payment provider now, if you are collecting payment information on the web from customers, you should never know their credit card number. It should never hit your servers. If you’re using something that Stripe, it basically goes from the web form, off to Stripe and you get at most the last four digits and maybe the expiration number. But as a business, you never have to worry about that part of their profile, that sensitive data. So to me, start with asking that question of what do we actually have to have. And if we don’t need it, get rid of it and let’s look at all of our data collection processes, whether it’s by paper form or web form or API, whatever the method is and decide what can we ax to just cut out the fat. Like we don’t want to have to hold your information if we don’t have to. Now, failing that, I know a lot of companies cannot do that, like Facebook’s business is knowing everything about everybody and the connections. And so in that situation, it’s a little bit different. Cindy: It’s hard because what if I’m a company and I just what if I’m a hoarder? Like I hoard my…I live in New York, my studio is tiny, what if I like to hoard? And it’s kind of like you are digitally hoarding stuff. And …. storage is cheap, why not get more? What would you say to a digital hoarder in terms of I might need this information later? Rob: I would say stop. Stop doing that! There are data retention policies that prevent you from doing that that you can implement. It’s an organization culture thing, I think. Some organizations are great at data retention, others are hoarders. It’s just bad data protection. Dietrich: Greater data retention and hoarders. We’d love to retain data. Most of the organizations we’ve talked to love to retain data. It’s nice having something to get in that stick which sits there and goes, just get rid of it. I talk to organizations now and I’ll go finally this is being implemented in such a way that we actually can go back to the business. Who doesn’t want the data deleted? It’s usually people in the business who says I may, at some time in the future, need that document that I created 15 years ago. Well not if it has anything related to an individual associated with it. In that case, you can only keep it for as long as it is a demonstrable requirement to have that. So I think it’s something at that level, which should be welcomed by organizations, not unless they are really…I mean my wife’s a bit of a hoarder. If she was running a business, she would definitely have many petabytes of information. But related to individuals, it would give me the excuse to throw it out when she isn’t looking. Andy: Right. I was going to add that the GDPR says, I mean yes, you can collect the data, you can keep it, but I think there is somewhere that says that you have to put a time stamp on it. You have to say, “This is the data I have and, okay,” if it’s five years or ten years, but put some reasonable time stamp on this data and then follow through. So sure, collect it. But make sure it has a shelf life on it. Final Thoughts Cindy: Any final thoughts before we wrap up? Silence, I love it. Michael: I was on mute, so I was talking extremely loudly while no one heard me. I was going to say my final thought was that, we kind of started this with Andy saying that a lot of this was common sense IT things. And I think that’s probably the biggest takeaway. The thing to do immediately is to, I think, just do an audit of all of your data. That’s just good practice anyway. If you don’t have that at hand, you should start doing that. Whatever the regulations are, whatever your situation, it’s very, very hard to think of a situation where that wouldn’t be to your advantage. So I think that’s the first thing and most immediate thing any company should do. Dietrich: That’s a very good point and something that also, related to GDPR, is the point within GDPR in terms of the data breach impact disbursements. That’s also understanding what you have, making sure that you have the appropriate controls around it. So that’s just understanding, going through that audit directly helps you for GDPR. Upcoming Webinars: July 21st English, July 28th German and French Cindy: Rob, you mentioned there is a webinar on GDPR. When can people tune in? … Mike: Rob told me there was a barbecue at his house for the next GDPR meeting. Just come on over, we’ll talk European regulations, smoke some brisket. Cindy: I need some help from people de-hoarding my studio. First, I need to go home and change all my passwords because I have a password problem. Now you all know I’m a hoarder. Mike: This is just leading up to you having your own Lifetime television series I mean. Cindy: That will be exciting. Mike: I’d watch it. Cindy: It will be Tiger Mom, 2.0. Rob: So yeah, so we’re having a webinar on July 21st in English and we are having another one on July 28th in German. So for anybody that’s interested in the GDPR, we are also doing it on the 28th in French. So we are having multiple languages for you and they can go to varonis.com and just search for GDPR in the upper right-hand corner and you should be able to find the registration form. Cindy: Thanks so much, Rob. Dietrich: Whether you speak it or not. Yeah, fantastic. Cindy: Thank you so much Mike, Rob, Kilian, Dietrich, and Andy. And thank you all our listeners and viewers for joining us today. If you want to follow us on Twitter and see what we are up to, you can find us @varonis, V-A-R-O-N-I-S. And if you want to subscribe to this podcast, you can go to iTunes and search for the Inside Out Security show. There is a video version of this on YouTube then you can subscribe to on the Varonis channel. And thank you and we’ll see you next week. Bye guys. Subscribe Now Join us Thursdays at 1:30ET for the Live show on Youtube, or use one of the links below to add us to your favorite podcasting app. iTunes Android RSS Want to learn more about the GDPR? Check out our free 6-part email course (and earn CPE credits!) Sign me up The post GDPR – IOSS 13 appeared first on Varonis Blog.