Podcasts about Citibank

Share on
Share on Facebook
Share on Twitter
Share on Reddit
Copy link to clipboard

US bank

  • 792PODCASTS
  • 979EPISODES
  • 39mAVG DURATION
  • 5WEEKLY NEW EPISODES
  • Jan 17, 2022LATEST
Citibank

POPULARITY

20122013201420152016201720182019202020212022


Best podcasts about Citibank

Latest podcast episodes about Citibank

Beyond Reproach
S4 Ep43: New York's Finest: Episode 43 (The Forgotten Story of the City Hall Riot)

Beyond Reproach

Play Episode Listen Later Jan 17, 2022 57:31


In this episode we are drankin' a Long Island Ice Tea like we're 19yr olds at a college bar. This boozy, dangerously delicious cocktail was originally created for a cocktail contest in Long Island. It's popularity ties into the era and region of TUX's scandal.

Slate Daily Feed
Slate Money: …And My Lollipop

Slate Daily Feed

Play Episode Listen Later Jan 15, 2022 52:59


This week, Felix Salmon, Emily Peck and Ranjan Roy of Margins talk about the death of ZIRP (a zero-interest rate policy) and what that means for the future; Felix's glee about the sale of Citi Bank's Mexican unit, Banamex; and the puzzle game sweeping the Internet.  In the Plus segment: Ken Griffin's Citadel Securities gets big investment from crypto.  Mentioned In the Episode:  Axios Markets Newsletter “America's labor shortage is bigger than the pandemic” by Emily Peck “Buy ‘Floki': A cryptocurrency inspired by Elon Musk's dog is making an ad push in London” by Carla Mozee    Email: slatemoney@slate.com Podcast production by Cheyna Roth Learn more about your ad choices. Visit megaphone.fm/adchoices

Slate Money
…And My Lollipop

Slate Money

Play Episode Listen Later Jan 15, 2022 52:59


This week, Felix Salmon, Emily Peck and Ranjan Roy of Margins talk about the death of ZIRP (a zero-interest rate policy) and what that means for the future; Felix's glee about the sale of Citi Bank's Mexican unit, Banamex; and the puzzle game sweeping the Internet.  In the Plus segment: Ken Griffin's Citadel Securities gets big investment from crypto.  Mentioned In the Episode:  Axios Markets Newsletter “America's labor shortage is bigger than the pandemic” by Emily Peck “Buy ‘Floki': A cryptocurrency inspired by Elon Musk's dog is making an ad push in London” by Carla Mozee    Email: slatemoney@slate.com Podcast production by Cheyna Roth Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech Nest: The Real Estate and Tech Show
Tech Nest Podcast Returns with FinLedger

Tech Nest: The Real Estate and Tech Show

Play Episode Listen Later Jan 11, 2022 36:05


About Nate:Nate Smoyer is Director of Marketing for Avail, a platform for DIY landlords and their renters. He helped take the company from seed stage through series A, and to exit in just under 18 months. Proptech is a passion and he's mildly obsessed with the industry. Outside of work, he's running through the Black Hills of South Dakota seeking adventure. When not running, you'll find him on the highway riding his Indian Chief Vintage, at the skatepark riding BMX—all before resting by the fire with a glass of bourbon and good book.Nate & Tech Nest Links: Nate on LInkedIn Nate on Twitter Tech Nest on LinkedIn Tech Nest on Twitter About Clayton & HW Media:Clayton Collins is the founder and CEO of HW Media. He leads HW Media's corporate strategy and content roadmap, while building a world-class team of business media professionals. He is also managing partner of Riomar Capital, an entrepreneurial investment firm that acquired HousingWire in 2016. Prior to founding Riomar Capital, Collins worked at RBC Capital Markets in the mergers and acquisitions group and served as vice president of national sales and marketing at Citibank. HW Media provides mortgage, real estate and fintech professionals the news, knowledge and community they need to support decision making and business growth. Aligned with our mission to Move Markets Forward, we publish daily news and content through each of our core publishing brands including HousingWire, RealTrends, Reverse Mortgage Daily and FinLedger. HW Media is based in Dallas, TX with team members across the country.  HW Media reaches over 1 million monthly users, and our daily newsletters and membership programs reach over 100,000 subscribers. Clayton & HW Media Links: Clayton on LinkedIn Clayton on Twitter FinLedger on Twitter FinLedger Newsletters HW Media website 

The Tech Blog Writer Podcast
1837: How Unified Data Model Platforms Can Beat Adobe and Oracle

The Tech Blog Writer Podcast

Play Episode Listen Later Jan 5, 2022 28:12


Cheetah Digital is a marketing tech platform that has collected over 2 billion data entries for brands including Arsenal FC, Hilton, BBC, Citibank, Vodafone UK, and the Postcode Lottery, McDonald's, Pizza Hut UK, Godiva, Urban Outfitters. Richard Jones, CMO of Cheetah Digital, joins me on Tech Talks Daily in a conversation about why smaller enterprise-specific marketing technology and unified data model platforms provide far more benefits for customers than those from more prominent players. For more than 20 years, I have learned how Richard has worked in technology, specifically, building marketing technology for the likes of Adobe, Oracle, and how he has been a CMO integrating martech to deliver business results. We discuss the growth of customer engagement suites that ingest various kinds of data, batch data, streaming data, point of sale data, and weather data according to a businesses' requirements. We also talk about how companies can use machine learning and artificial intelligence to segment and analyze that data. Finally, we discuss why leveraging the same data model with the customer engagement data platform at its heart is key if you're building software from the ground up.

Outliers
#42 Mar Asset: a gestora novata que quer ser a "Dynamo dos Multimercados"

Outliers

Play Episode Listen Later Jan 1, 2022 65:50


O episódio #42 do Outliers recebeu Bruno Coutinho e Philippe Perdigão, sócios fundadores da Mar Asset. A gestora foi criada em 2019, quando Bruno e Philippe se uniram ao sócio investidor Luis Moura que, após fundar a 3G Capital em Nova York e ter trabalhado no BTG Pactual e Citibank, montou uma estrutura para alocar, inicialmente, o seu próprio capital. O dinheiro dos sócios, portanto, é investido na mesma condição dos outros cotistas, na estratégia única da casa.O nome da gestora vem de uma paixão em comum entre os três: o surfe. “O mar é um ambiente de variáveis incontroláveis: vento, maré, tamanho da ondulação. O que controlamos é a nossa reação. É isso que pensamos no mercado também”, disse Bruno Coutinho.E o objetivo de longo prazo da gestora não é nada módico: ser para os fundos Multimercados o que a gestora Dynamo é para os fundos de ações - uma referência. Vão ter bastante trabalho duro pela frente e algumas décadas...boa sorte!Ouça o episódio completo e entenda mais sobre a Mar Asset!O Outliers reúne conversas com os gestores mais renomados do mercado e é apresentado por Samuel Ponsoni (@samuel.ponsoni), gestor de fundos da família Selection na XP, acompanhado por Carol Oliveira, coordenadora de análise de fundos da XP.

Hired Trainer
How I went from priest to corporate trainer w/ Tobias Rodrigues

Hired Trainer

Play Episode Listen Later Dec 30, 2021 37:32


Today's guest is Tobias Rodrigues, a former Catholic priest and now a trainer helping global brands to build bad ass teams.   In fact, Bad Ass Teams is the name of Tobias's brand.    Tobias helps organizations such as Henkel, King, EBay and Citibank in areas such as effective team building, leadership coaching and emotional intelligence training.   He tells an amazing story of how he got his first clients and how working IESE Business School in Spain has been very productive   In today's show   How networking has produced business leads What Tobias gets from his collaboration with IESE business school Which training products Tobias developed and why How he got his first paying clients The kinds of challenges Tobias Rodrigues helps to solve 

CoinDesk Reports
MONEY REIMAGINED: A ‘Best of' 2021 Holiday Special - Haiti's Transition Into Modern Finance

CoinDesk Reports

Play Episode Listen Later Dec 24, 2021 57:23


This episode is sponsored by Quantstamp, Nexo.io and KuCoin. This week and next we're taking a year-end holiday from new episodes of “Money Reimagined.” Instead, we're serving up a couple of our favorites from this year. This week's pick was Sheila Warren's: the Haiti episode from May 21. That's when Sheila and co-host Michael Casey were joined by Jerry Tardieu, a Haitian author, entrepreneur and politician who represents Petion-ville in the Chamber of Deputies, and by Daniele Jean-Pierre, the co-founder and chief operating officer of Zimbali networks, which delivers smart-ledger solutions for the decentralized economy.The pair walked us through Haiti's history to show how a shameful, century-long legacy of a slavery-era debt continues to be a burden for the country. The debt, imposed by France to punish Haiti's citizens for freeing themselves from their slave masters in a rebellion that won their independence in 1804, later became a U.S.-owned asset serviced by a bank that would become Citibank. In that sense, this long-standing problem is directly related to the issue of Wall Street's power and dominance in the age of dollar hegemony, a power that is challenged, in theory, by cryptocurrency and blockchain technology.The discussion then turns to what solutions, technological or otherwise, might exist to create a system that empowers people rather than leaves them dependent on charity and foreign aid, with all the strings that come attached to that. It's the kind of episode that reminds us why the ideas behind crypto and blockchain matter. This episode was produced, edited and announced by Michele Musso. Our Holiday theme song is "Father Christmas" by Cody Martin.-Quantstamp is the leader of blockchain security, having secured over 100 billion USD worth of digital assets. Visit quantstamp.com to learn why top DeFi projects like Maker, Compound and BarnBridge trust Quantstamp to secure the financial infrastructure of tomorrow. Learn more at quantstamp.com/blog.-Nexo is a powerful, all-in-one crypto platform where you can securely store your assets. Invest, borrow, exchange and earn up to 12% APR on Bitcoin and 20+ other top coins. Insured for $375M and audited in real-time by Armanino, Nexo is rated excellent on Trustpilot. Get started today at nexo.io.-KuCoin was listed on Forbes Advisor's “The Best Crypto Exchanges Of 2021,” which highlighted hundreds of tradable coins, low fees, plus automated and margin trading. Sign up NOW to claim a $500 welcome bonus at KuCoin.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Interviews by Brainard Carey
Carole Silverstein

Interviews by Brainard Carey

Play Episode Listen Later Dec 23, 2021 20:58


Carole Silverstein is a Los Angeles based artist who has exhibited in galleries and alternative venues throughout the US, including New York City, Los Angeles, Chicago, Portland, and San Francisco. In 2015 she showed at the 56th Venice Biennale in an exhibit entitled “We Must Risk Delight: 20 Artists from Los Angeles” at the Magazzino del Sale, Venice Italy. Additionally, her work was featured in an exhibit which traveled to London, Paris, Berlin, Manila, Capetown, and Johannesburg. She received her MFA from Queens College, CUNY and her BFA from The School of The Art Institute of Chicago, with additional study at the International School of Art in Montecastello di Vibio, Italy. In 2000, a book collaboration of her collages and the poetry of Jim Henderson was published entitled “Clearly These Clouds”. Her artworks are in the permanent collections of the Los Angeles County Museum of Art, Citibank, Art in US Embassies (US Embassy Djibouti), Art for Healing, The Salser Collection, and numerous private collections. She lives with her husband and son in Los Angeles. Books mentioned in the interview are Rebecca Solnit's Orwell's Roses and Eckhart Tolle's The Power of Now. Solo show at Nancy Toomey Fine Art, Minnesota Street Project, San Francisco. Includes installation elements of silver tape floor drawings and satin & sequin fabrics running along the borders of the gallery floor. touching the constellations, 40” x 36”, Acrylic Ink on Mylar she wears her potency as ornaments, 58” x 42 1/2”, Acrylic Ink on Mylar  

GrowthCap Insights
FinTech's Mission Driven Leader: Climb CEO Angela Ceresnie

GrowthCap Insights

Play Episode Listen Later Dec 21, 2021 25:14


In this episode we chat with Angela Ceresnie, the CEO of Climb, which is an innovative student lending platform that makes career creation and transformation more accessible, affordable, and accountable.  The company is driven by a mission to empower individuals to unlock their career potential – no matter what their credit profile. Angela first joined Climb as the Chief Operating Officer in 2016 and quickly helped shape the operations, culture, and future of Climb, earning her the role of CEO in 2018. Prior to Climb, she co-founded and was COO/CFO of Orchard Platform — a provider of software and data products offered to institutional investors to purchase loans from marketplace lenders.  Orchard was acquired by Kabbage. Earlier in her career, Angela spent nine years running credit risk analytics teams at American Express and Citibank. We hope you enjoy the show.

I Finanzati
8 aziende cinesi in Blacklist, citibank finanzia l' UEFA e l'arte della ristrutturazione cinese

I Finanzati

Play Episode Listen Later Dec 21, 2021 18:27


#sensetime #DJI # intelligenza artificiale #droni #blacklist #evergrande #jackma #uefa #citibank #barcelona #realmadrid

Limit Free Life with Michelle Perkins
Empowered Financial Planning and Wealth Optimization with Eunicia Peret

Limit Free Life with Michelle Perkins

Play Episode Listen Later Dec 21, 2021 47:54


Eunicia Peret has worked with and set hundreds of clients on their paths to financial independence and wealth optimization. On her own journey, she went from rebuilding her financial independence from nearly nothing to over 6 figures in less than a year using the same methodology she uses with her clients.CEO and Founder of Empowered Financial Planner, Eunicia is a seasoned executive and business owner, accomplished financial consultant, mentor and educator. As a senior contributor to Brainz Magazine and collaborates with many globally known thought leadership experts.In her past she's worked with the world's most renowned financial organizations such as Citibank, AMEX, Aviva, SunTrust, etc. Eunicia was also a trusted advisor to top level executives, and invested heavily in identifying leading practices when it comes to delivering value to her clients.Eunicia is passionate about seeing true transformation in her clients' financial success stories.

Dental Friends with Benefits
The Billion Dollar Podcast #83 | George Puts Hawaii on Blast, Citibank Shoutout, plus a new segment

Dental Friends with Benefits

Play Episode Listen Later Dec 19, 2021 62:36


Listening to last week's episode in absentia, George now sounds off on Matt's handling of the Matt Ford Debacle. Plus, can we de-state-ify Hawaii and California for being so mask-happy? And Q&A's about George's secret fleet of rental vehicles. The Billion Dollar Podcast is weekly business insight by Dr. George Hariri and Dr. Matt Guarino. These business partners look through the REAL lens of business development, realities of the world and their personal / professional lives. We talk facts, and we talk candidly, so you've been warned! Outside of The Billion Dollar Podcast, George is the CEO of Shared Practices, Matt is the COO and together, co-host the Shared Practices podcast.

ถามอีก กับอิก Tam-Eig
ถามอีกกับอิก TE 371 | BAY ได้อะไร หลังชนะประมูลพอร์ตบัตรเครดิต Citibank 60,000 ล้านบาท

ถามอีก กับอิก Tam-Eig

Play Episode Listen Later Dec 13, 2021 37:38


ถามอีก กับ พี่เอ๋ คุณธนเดช รังษีธนานนท์ ผู้ช่วยกรรมการผู้จัดการ ฝ่ายวิเคราะห์หลักทรัพย์ บริษัทหลักทรัพย์คันทรี่กรุ๊ป

Nine To Thrive HR
Making the Most of Organic Learning Opportunities

Nine To Thrive HR

Play Episode Listen Later Dec 6, 2021 31:32


Learning has traditionally struggled to keep up with the pace of life outside the organization. The fight for attention spans is only getting more aggressive, and with rapid turnover in the workplace, scaling these programs is key. Join this episode with Justin Finkelstein, COO of Platform Innovation at CitiBank, as we explore how you can facilitate a culture of real-time learning with the right tools for your business.

ON THE CALL
ON THE CALL - JAIME BAKER

ON THE CALL

Play Episode Listen Later Dec 5, 2021 19:39


From a double major in Political Science and Italian from Binghamton and Syracuse Universities, where International Business Law and being an Interpreter were the goals, Jaime Baker switched to his love - the entertainment industry. After working as an assistant for a talent agent for one year, he made the jump to Talent Management, never looking back, able to use his legal training as well as his fluency in: Spanish, Italian and French, for 23 years successfully. Born in Manhattan and raised in Queens where he still lives, Jamie has been managing talent for 23 years now, in the commercial, television and theatrical arenas. Some of his commercial clients are: Target, Pepsi, Starbucks, Citibank, MTV, Fidelis and television clients are: Equalizer, Manifest, Succession, NCIS, FBI, Power Book III. BROADWAY/NATIONAL TOURS: Sweat, Phantom of the Opera, Motown, Dirty Dancing, Anything Goes, Sister Act, 42nd Street, Annie and more. Through Jaime Baker's management, I found myself on billboards all through the boroughs and Times Square, as well as at bus stops and in trains. His heart is open and large, but never advertised. Jamie can be reached at: http://www.jbakermanagement.com --- Support this podcast: https://anchor.fm/ozzie-stewart/support

You Winning Life
Ep. 115-Sunil Godse: Trust Your Intuition

You Winning Life

Play Episode Listen Later Dec 5, 2021 65:48


Sunil Godse's expertise lies in helping businesses leverage the power of intuition to create trusted brands that eliminate their competition in under 14 seconds through a process he developed called Intuitive Branding.And with him Implementing intuitive branding as an entrepreneur to earn over $20 million in revenues before moving on to helping smaller businesses go from 6 to 7 figures in revenues and being hired by major companies such as Citibank, SAP, Rogers Wireless, and Western Digital, his advice simply works.https://www.linkedin.com/in/sunilgodse/Please do me a favor, subscribe, leave a positive review on iTunes, follow us on Instagram and share if you know anyone who would benefit from this or other episodes!Do you want to work with me? Reach out and let me know!https://www.instagram.com/youwinninglife/Thank you for joining me on this ride!Jason Wasser Therapist/CoachOnline Tele-Therapy & Coaching

The Fit in Faith Podcast
Intuitive Branding and Relationship Building with Sunil Godse

The Fit in Faith Podcast

Play Episode Listen Later Dec 3, 2021 57:54


God is in the wooing business. He loves us. He calls us in. He embraces us in every possible way. And this conversation with Sunil was so good. I got connected with him through Clubhouse, but more so importantly around the attraction, quality of intuitive thinking, intuitive branding, intuitive relationships, and intuitive parenting. This one is deep. It is good. It helps you process your own emotions, your environment, your relationships, your fight, your trauma, or your depression. He teaches us an incredible process at the very end in order to understand and read ourselves better. This is so related to my story and in thinking and branding and marketing and relationships. And all of that is something that I want to be more mindful of so that I can go on the right path. I can walk the right way where God is leading me, and I can stand in purpose on purpose. And so if that's something that meets your spirit, you should tune in and follow him.   Grow for God 2022 registration is OPEN! Special ticket prices through 12/31! https://www.fitinfaithmedia.com/grow-for-god-con  

GZero World with Ian Bremmer
Special Edition: Why Biodiversity Loss Matters to Governments and Investors

GZero World with Ian Bremmer

Play Episode Listen Later Dec 2, 2021 35:28


Are global leaders finally taking needed action on environmental issues? Coming out of the COP26 meeting in Glasgow, we've seen governments agree to a certain set of policies to fight climate change. But that isn't the only urgent environmental issue we face. The twin problem of climate change AND biodiversity loss are a serious threat to not just governments, but also investors. The latest episode of Living Beyond Borders, a special podcast series from GZERO brought to you by Citi Private Bank, looks at how important biodiversity is to the global economy, and what leaders need to do to prevent further loss. Moderated by Caitlin Dean, Head of the Geostrategy Practice at Eurasia Group, this episode features Anita McBain, Managing Director at Citi Research, heading EMEA ESG Research; Harlin Singh, Global Head of Sustainable Investing at Citi Global Wealth; and Mikaela McQuade, director of Energy, Climate and Resources at Eurasia Group.

Speaking of Writers
Richard Sills- Christmas Story

Speaking of Writers

Play Episode Listen Later Dec 1, 2021 7:58


Author Richard Sills draws from his experience as a former teacher of elementary classes in writing children's books. In his book, “Christmas Story”, he retells the well-known holiday narrative “The Night Before Christmas” so both the young and adults can enjoy this classic tale. In this story, he lets the adults experience the Christmas magic. While the children remain sleeping in their beds, it is the adult who gets to witness the wonders of Christmas. He meets Santa Clause and goes on a ride on Santa's sled while he delivers presents to children everywhere. He asks Santa about his presents and when he returns home, he wakes up his wife and joins his children. He finds his gift is that his wife is going to have a child. Through sleigh rides and visits with Santa Clause himself, this story shows that the holiday magic can be experienced by all ages. This book is available online and can be purchased at online bookstores. About the Author Educator-Computer Scientist, Richard Sills, made his first appearance on the Joe Franklin TV show on WOR TV in 1977 discussing his "CHILDREN'S ART EXHIBIT" at Columbia Teachers College in New York City. In 1978 he was named "Educator of the Decade" for his experimental use of children as teachers in the New York City public school system. He had taught at the elementary school level in Ocean Hill Brownsville which was an underprivileged area in Brooklyn, New York. He met with remarkable success which was demonstrably shown in the art that the children created. The work was exhibited in numerous other location in New York: Hunter College, Macys, and Citibank to name a few. And he garnered major articles in newspapers including: The Daily News and the Palm Beach Times. He discussed his work on numerous local radio stations as well as: ABC, NBC, and CBS radio which aired nationally. He was a close friend of Bob Kane, the legendary creator of the comic book hero: Batman. Mr. Sills' tremendously successful art exhibits took place in the late 1970s. At that time Newsweek films did a brief segment about his "Children Teaching Children" program which aired nationally. Mr. Sills made in all 12 appearances on the Joe Franklin TV show and became a close personal friend of Mr. Franklin. While he attended Boston University, which he graduated from as an English major, he was the Editor-in-Chief of the Boston University Literary and Arts magazine during the turbulent late 60s. He has also studied at Harvard University, Columbia Teachers College, and the New School of Social Research. Currently, he holds five patents in Computer Science and is represented by THE POTOMAC INSTITUTE FOR POLICY STUDIES, a prominent scientific think tank in Washington, D.C. Mr. Sills has won numerous awards for his poetry. And his award winning patriotic poem: "Our Flag" dedicated to President Reagan is on permanent display in the Ronald Reagan Library and Museum in Simi Valley, California where he was the Founding Sponsor of The Presidential Learning Center. In 1980, Mr. Sills ran as the "love and good humor" Presidential candidate of the "Children's Party" at the age of 33 to lighten up the campaign. He endorsed President Reagan who went on to win the · election by an overwhelming majority. --- Support this podcast: https://anchor.fm/steve-richards/support

Thinking Crypto Interviews & News
CRYPTO NEWS - Citi Bank Hiring 100 Crypto Employees - Powell Fed - Congress Crypto - Algorand DeFi

Thinking Crypto Interviews & News

Play Episode Listen Later Nov 23, 2021 27:22


Big Crypto news today as Latin America's largest company to allow customers to buy Bitcoin in Brazil via app. Odell Beckham Jr. has teamed up with Cash App and will be taking 100% of his new NFL contract in Bitcoin. Crypto is no fad says Australia's Minister Of Financial Services. Global banking powerhouse Citi is hiring 100 people to beef up its blockchain and digital assets division, according to a person familiar with the bank's plans. December 8th several crypto CEOs will testify in front of the House Financial Services Committee. Nike wants to bring sneakerheads into the Metaverse. Crypto lender Celsius increases Bitcoin mining investment to $500 million. El Salvador government strikes deal with Bitfinex, Blockstream to issue $1 billion bitcoin bond. C3 Protocol, a cryptocurrency trading project linked to the Algorand blockchain, has raised $3.6 million in a funding round that was led by Arrington Capital and Jump Capital.

Work Interrupted
Entrepreneur Chris Barez-Brown on having fun at work - and what to do if you hate it

Work Interrupted

Play Episode Listen Later Nov 12, 2021 49:31


Chris Barez-Brown is an entrepreneur, author and founder of Upping Your Elvis, a business that aims to help people find more energy and fun at work. He has worked with companies ranging from Coca-Cola to Citibank and Nike. His books include How to Have Kick-Ass Ideas, Shine: How to Survive and Thrive at Work, and Free! Love Your Work, Love Your Life. In this podcast, he shares some of the tips in his new book Upping Your Elvis, explains how we can all get more pleasure out of our work - and gives advice on what to do if you hate your job.

The Rational Reminder Podcast
Robin Taub: The Wisest Investment: Teaching Kids About Money (EP.175)

The Rational Reminder Podcast

Play Episode Listen Later Nov 11, 2021 67:12


Today we are tackling the vitally important subject of financial literacy from the standpoint of parents wanting to educate their children. We have a true expert on the show today to help us with this discussion, and we cannot wait to share this highly actionable and impactful conversation with our audience. Robin Taub is a former CPA turned author, and her book, The Wisest Investment, approaches the need to educate children from an early age, and the best strategies that parents can use for this task. Robin previously worked at Citibank in derivatives marketing and brings the high-level expertise of accounting to her book and this episode of the podcast. We strongly support her perspective on financial education and believe the framework she discusses here and shares in her book is well worth any parent's time. In our conversation, we cover all the important bases; financial values, summer jobs, investment apps, human capital, and everything in between, so make sure to listen with us to hear it all.   Key Points From This Episode: Unpacking Robin's beliefs about the importance of financial education in the family. [0:02:55.2] Financial education in the Canadian schooling system; Robin weighs in on its success. [0:04:08.6] The assessment that parents can make about being role models to their children. [0:06:53.1] The communication of values through the process of teaching and learning. [0:09:01.8] Ideas for the appropriate time to start teaching kids about money. [0:11:40.5] Using teachable moments to begin the conversation about money. [0:14:35.3] Thoughts about allowances and best practices for parents. [0:18:09.7] The evolution of money conversations as children grow older; increasing sophistication over the years. [0:23:46.9] Benefits and considerations when introducing the concept of working for money. [0:27:30.3] How social media can impact young people's spending, and how to mitigate these effects. [0:31:26.2] Robin weighs in on the question of cellphones and when children should get one. [0:38:42.6] Increasing financial responsibilities as children grow older, and beginning the conversation about investments. [0:40:37.3] The impact of investment apps and how to minimize the damage they can do. [0:45:21.1] Teaching children about philanthropy and the importance of sharing. [0:47:04.6] Weighing up the idea of getting a financial advisor involved in your child's life. [0:49:27.3] The concept of human capital and how to approach it in your family. [0:50:51.1] Robin's thoughts on conversations about entrepreneurship. [0:54:48.6] Breaking the cycle of financial problems in a household that is struggling. [0:57:54.3] Minimizing entitlement in a family of greater financial means. [0:59:42.8] Reasons for the shift that Robin made from her career as a CPA to becoming an author. [1:03:30.1] Robin's personal definition of success; finding satisfaction in the important areas of life. [1:05:20.5]

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
Why Adapting to Change Is the Secret to Longevity in Agency Life

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies

Play Episode Listen Later Nov 10, 2021 17:16


Forbes has called Nancy A. Shenker a “bad girl” because she selectively breaks rules and takes calculated risks to help companies innovate and grow. Nancy had worked as a CMO for big brands like MasterCard and Citibank when she ventured to start her own business, TheONswitch. That was more than 18 years ago and she credits her client side work for providing the insight needed when she first started. Those experiences are what contributed to her still being in the agency world today. In her conversation with Jason, they talked about how staying in business through the years has meant adapting to different challenges. They also touched on some of the lessons learned in more than 18 years of owning her business, and why people shouldn't underestimate experience and the wisdom that can come from it. 3 Golden Nuggets On adapting to changes. Nancy actually credits the hard times of the 2008 recession for preparing her for the pandemic. “When the economy takes a downturn, you're sort of stuck throwing all of this stuff overboard,” she recalls. When it came time for everyone to welcome the new digital and minimalistic model, she had already adapted to it years ago. “I've been co-working and managing a virtual team for the last decade, so I was good.” In her opinion, the pivoters were the ones surviving and thriving. It was a time to do market research, to find out how customers were behaving, but many went into a state of inertia. Lessons learned over the years. After 18 years in the business, lesson number one for Nancy has been to always trust her gut. She doesn't have a lot of regrets, but she always regrets moving forward with projects where she felt like something didn't seem quite right. Another important lesson is to always watch your P&L. Hope is great but money in the bank is better. Always make sure to have that cushion because you never know when things can go south. Also, remember that a good profit margin for your business should be an average of 30%. And finally, invest in things that will bring you long-term value. Don't underestimate experience. Nancy is very passionate about calling out ageism in business. “I now bring to the table wisdom that I didn't have even 18 years ago,” she says. She calls for people not to assume that an older person cannot understand technology. She even challenges anyone a social media strategy contest, since she's been in the social media and digital media realm since the late nineties and feels that, at 65, she can offer a unique perspective. Sponsors and Resources Gusto: Today's episode is sponsored by Gusto, an all-in-one people platform for payroll, benefits, HR where you can unify your data. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Head over to gusto.com/agency to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM Lessons Learned After 18 Years in the Business & Why We Shouldn't Underestimate Experience Jason: [00:00:00] All right. What's up, agency owners? Today I have an amazing guest who has been in business for over 18 years. Actually, today is their 18th birthday. We're going to talk about the lessons learned about growing their agency. And let's go ahead and jump into the show. Hey, Nancy. Welcome to the show and happy birthday to the business. Nancy: [00:00:25] Thank you. How are you doing? Jason: [00:00:28] So, uh, tell us who you are and what do you do? Nancy: [00:00:32] Sure. My name is Nancy A. Shenker. And as you just said, today is the 18th birthday, so it's fortuitous timing, um, of my consulting company slash agency called TheOnswitch. Um, I was an early-stage entrepreneur. I left corporate life and started my own business long before it became popular to do that. Um, and previously I was a CMO at a company called Reed Exhibitions, the producers of Comicon. And then before that I was at MasterCard and Citibank. So the first part of my career was on the client-side. So when I got ready to start my own consultancy, I sort of knew what things look like from the other side of the desk, which gave me tremendous insight and probably contributed to my still being around 18 years later. Jason: [00:01:26] Yeah. What were… Going back to when you were the CMO and working with a lot of different agencies over the years, what were some things that really pissed you off? Nancy: [00:01:39] Um, I think that, um, account people who had never really worked in or on the business, um… Always seemed sort of whimsical to me. Like if you couldn't tell me specifically what was going on with a project or why I should be spending my money on direct rather than conventional print… Then you were really just like a host or a hostess. So that was like number one, that stuck in my craw that I didn't really need somebody to take me out to lunch or invite me to parties. I needed a person who was going to give me creative ideas to grow the business. Jason: [00:02:22] A strategist. Nancy: [00:02:22] Um, yeah. Yeah. The other thing, um, was, um, paying for people who weren't actually working on my account and the recession was a tipping point for me when I really had to take a long, long, hard look at my overhead as a business and to say, whoa, whoa, like my clients are paying for my equipment. They're paying for my toilet paper. They're paying for, you know, all of this stuff. And when the economy takes a downturn, you're sort of stuck throwing all of this stuff overboard that you just bought in the previous 10 years. So I was actually really in great shape to handle the pandemic. Because I went with this minimalistic virtual model back in 2008, which suddenly became popular in 2020. And I'm like, whoa, I've been doing this for 10-15 years. I'm all good. I don't have any stuff to throw overboard at this point. I'd been co-working for the last decade. I have been managing a virtual team for the last decade. So I was, I was good. I mean, no one was really good in the pandemic, but I was better than most. Jason: [00:03:47] Yeah. I saw a lot of agencies growing actually in the pandemic, just because, you know, there were so many businesses that… Traditional, their traditional way of getting business they couldn't get anymore. And they really needed, you know, that digital, um, expertise in order to reach their customers and really kind of make, get, get them through because you know, the, the loans of the government only goes so far. Nancy: [00:04:15] Yeah. I mean, I would say probably, you know, 20% of clients said... Oh my goodness, the world is changing. Human behavior is changing and my customer's changing and I'm going to get first-mover advantage by dealing with that. And then there was a whole other swath of the population that went into this like inertia state. So the nimble, the strong, the… I hate the word pivot, but the pivoters are surviving and thriving. And those people who sort of… pause. I mean, I just saw this statistic that was shocking that two-thirds of companies, you're talking about major companies, postponed or canceled market research during the pandemic. And I would argue that that was the time to really be all over how are my customers behaving? What are they buying? What are they clicking on? How are they shopping? Because if you understood that, like, if you really understood, basic human behavior, which shifted largely to digital... Um, you were way ahead of the game if you were on top of that. Which is what taught us this lesson that, you know, I've learned starting in, when I first started my career in the 1970s. You know, our tagline as a business is bright and timeless marketing. I've seen media change radically. Um, but, um… What has stayed the same is your understanding of basic human behavior. Um, that's timeless, whether it's B2B or B2C, if you really are inside the head and heart and wallet of your customer, you'll never be wrong. Jason: [00:06:08] Yeah. What were, what were some of the things that you've learned over the years of running your business? Nancy: [00:06:15] Um, well, my lesson number one for today, I'm doing a series of nine lessons learned over 18 years. And lesson number one, which is live on my LinkedIn profile today is trust your gut. You know, and I think that it's very easy when you're a business owner to be swayed by clients, by your team members… But at the end of the day, you know, if you're a successful business owner, your intuition is usually pretty good. So if you have the heebie-jeebies, as I say, about a client or about a prospective employee or a current team member. You know, the chances are probably better than even that your gut is right. So, um, you know, the biggest mistakes I've made or learning moments I've had in the last 18 years have been when something didn't feel right to me and I moved forward with it anyway. Jason: [00:07:14] Yeah, exactly. Cool. And what are, what are some of the other nine? Obviously we, we don't have time to go over all nine. Um, and I'm not gonna put you on the spot for that, but look, give us a hint for some other ones. Nancy: [00:07:26] Um, always watch your P&L. You know, especially if you're a creative, um, and a storyteller, it's pretty easy to delude yourself and say, well, things will turn around tomorrow. Or, you know, I'm, I'm spending $10,000 on this because I think it's a good, calculated risk. But, you know, that's one of the big lessons I learned from the recession is that, um… Hope is great, but money in the bank is better. Like always have that cushion. Also because you never know when things could go south and you don't want to be too leveraged when that happens. So, you know, as I like to say, especially for women, business owners, PNL does not stand for purses and lipstick. Um, when you're in a service business and your biggest expense is people, um, you really have to spend very, very wisely. Jason: [00:08:34] Taking care of your employees has never been more important than right now. And while paydays are great, running payroll is a major pain. Calculating taxes, deductions, compliance, none of it's easy. Unless of course you have Gusto. Gusto is a simple online payroll and benefits built for your small business. Gusto automatically applies your payroll taxes and directly deposits your team's paychecks, freeing you up to work on your business. Plus, with Gusto's help you can offer benefits like 401k's health insurance, workers' comp, and a lot more. And because you're a smart agency masterclass listener, you're going to get three months free once you run your first payroll. Go to gusto.com/agency.  That's gusto.com/agency for three free months. Yeah, I always, when I work with agencies, I'm always surprised about how low their profit margins are. And they think in the agency business that 10% is good or 15%. I'm like the average is over 30%. And then they kind of get shocked a little bit and I'm like, that's the average. I was like, you can go over. And they're like, but when you get bigger, it goes down. I'm like, no, it doesn't. Only if you're, if you get dumber. Nancy: [00:10:02] Exactly. Exactly. Yeah. And, um, you know, when I first started my business, I think I was more into the creator comforts. Um, you know, I'd mentioned to you that I just moved to Arizona about three, four years ago. And I was kind of shocked at how many agencies have big spaces and their names on the door and big staffs. A lot of them did have to do some serious bloodletting when the pandemic started, you know. And you're right, there are some who didn't miss a beat and whose clients really needed them. And there are others that just could not sustain their expense base when things took a turn for the worse. So I'm a, I'm a minimalist both personally and professionally these days. Jason: [00:10:52] Yeah. I, I would always invest in anything that would be for the long-term that they would generate. And then personally, I would only invest in things, um, that were related to experiences. I would never buy a $50,000 watch, but I would buy a $50,000 experience. Nancy: [00:11:14] Oh yeah. I mean, you're talking to a woman who spent an insane amount of money on a 12th-row seats to see the rolling stones when they came through, um, a few years ago, pre-pandemic. And I will never, ever regret that expense. So, yeah. Memories, travel, experiences… And talent, you know, if you find people… I'm working with a couple of women now who I've known for years who are worth every penny, I pay them and then some. Because they are helping me scale the business and deliver great quality work and enabling me to sleep better at night, which at this stage of my life is super important. Jason: [00:11:58] Yeah, exactly. Uh, give us two other tips that you've learned over the years. Nancy: [00:12:04] Um, build a really… Another people tab is build a really strong inner circle. And that inner circle can change or evolve over time, but you really have to have people in your life who will tell you the truth, who aren't just bobbleheads. Um, operations is really key. You know, you could be doing the best creative in the world, but if stuff isn't happening on time and on budget, you're screwed. Um, and then, you know, this isn't one of my nine tips, but it's my, you know, one mini regret, in terms of how I started and scaled the business… I think having product, having tangible product is super important. Because being exclusively in a service business, no matter how much you productize your service, it's still a service. So, I mean, I'm not done yet. I have another 18 years at least ahead of me. And I have a few product concepts that I hope to launch over the next five to 10 years. Including, you know, I, I'm a writer and I have a bunch of books on Amazon and I have, um, some courses I'm developing. So yeah, I'm really into passive revenue these days. Jason: [00:13:24] Well, let me, let me tell you, the grass is not always greener on the other side. It's greener on the side you water. When I sold my agency, I thought just like you, I was like, ah, I've been in the service business for 12 years. Let me go develop a product. And I developed an iPhone app and I hated it. I literally wanted to… I put a gun to it and just blew it up behind the shed. And… Nancy: [00:13:46] Yeah, and that's one of the reasons why I haven't launched my… I have one product idea that's actually a physical, tangible product, a household product. And when I started delving into manufacturing and trademarking and distribution, I'm like, nah, I'm not, I'm not doing that. So I think that there is an opportunity and I think you've actually done it really well. You know, and I'm not just being, you know, a sycophant here. But like developing products that people in your industry truly need, you know, it's productizing your service, which is also a form of a product. I think smart, digital marketers are doing more and more of that these days. So kudos to you on that. Jason: [00:14:32] Thank you. Well, uh, is there anything Nancy, I did not ask you that you think would benefit the audience? Nancy: [00:14:39] Um, yeah, I mean, something that I think a lot about these days is, I turned 65 last February. Um, I have been very often told that I don't look 65, but what I say is this is the new 65. I would like to see the agency world and the marketing world become more age diverse. Um, it's something that I'm passionate about and you know, I now bring to the table wisdom that I didn't have even 18 years ago. So when you see that person who's old enough to be your mother or your grandmother, don't assume that they don't understand technology. Because I challenge any millennial to a social media strategy contest because I've been in the social media and digital media realm since the late nineties, early two thousands. I helped build the first website for MasterCard. I was on Twitter day one of the Twitter launch. And it's funny cause I recently said to one of our associates I've been using social media since 2005. And she said, oh my God, I was only six years old then. So yeah, don't assume that because somebody is older doesn't mean that they can't understand new tricks. So that's my final bit of anti-ageism bad-ass wisdom. Jason: [00:16:15] Awesome. And what's the URL. People can go and check the business out? Nancy: [00:16:20] theonswitch.com, T H E O N S W I T C H.com just like a light switch, but not. Um, my daughter actually helped me name the company and, um, feel free to follow me on LinkedIn because I'm, as I said, I'm a storyteller and that's where a lot of my content goes. Jason: [00:16:39] Awesome. Well, thanks so much, Nancy, for coming on the show. And if you guys want to really be around an amazing inner circle, kind of like Nancy mentioned, where they're all digital agency owners and we're all wanting to grow and scale up faster. I'd love to invite all of you to go to digitalagencyelite.com. Go and check that out and apply. And if we think it's right for you and vice versa, we'll have a conversation. So go to digitalagencyelite.com. And until next time have a Swenk day.

(EA) Eternal Affairs TRUTH Radio
We Are The News Now w/ Dan Hennen: Youngkin - McAuliffe - DeSantis - Schumer - Aaron Rodgers - Rittenhouse - Racine County - CitiBank - Barclays Bank and More

(EA) Eternal Affairs TRUTH Radio

Play Episode Listen Later Nov 9, 2021 28:26


We Are The News Now w/ Dan Hennen: Youngkin - McAuliffe - DeSantis - Schumer - Aaron Rodgers - Rittenhouse - Racine County - CitiBank - Barclays Bank and MoreThis is Dan's LIVE show from Monday, November 8, 2021. Thank you for tuning in & showing your support! Our Hosts' viewpoints don't always reflect what EA TRUTH Media believes as a whole!Please join us chatting on social media about our shows using hashtag #EATruthRadio Dan provides commentary and analysis on the past week's “news” stories.  And strips out the Fake News so you don't have to.Topics this week include:  American Airlines, Barclays Bank, CitiBank, Steven Christiansen, Racine County WI, Biden sleeping, Simon Cowell, Rittenhouse trial, Aaron Rodgers, Chuck Schumer, Terry McAuliffe and Glenn Youngkin.*** Visit our Media Site at www.EternalAffairsMedia.com & Please Consider Planting A SEED IN OUR MINISTRY! Sign up and become a Monthly Patron for EXCLUSIVE PERKS ...*** NEW *** TRUTH PREMIUM on EA Truth Media Website ~ Exclusive Premium Content & Less AdsSupport us and receive these amazing benefits for ONLY 0.99 cents per month ~ Click Here! You can also send Bitcoin to: 3MrcjvjkVUyP5dDmELDZkqD5JT5TTYyQHnTHE TRUTH SHALL PREVAIL ~ WE ARE THE STORM! Our Independent Media Operation & End Times Ministry has been online for nearly 12 years now since Curtis "Ray Biselliano" Bizelli FOUNDED EternalAffairsMedia.com in 2010 as an alternative to mainstream mockingbird fake news propaganda media! We have since morphed into a partial end times prophetic ministry!!!! We are on the frontlines leading the fight against the Fake News Mockingbird Media! Check out our Online Store and get some COOL GEAR! If there is anything you'd like to see that isn't there, message us! We wish to hear from you! The SILENT MAJORITY isn't going back to sleep! Corrupt, Sleepy, Pedo Joe & The Hoe STOLE this election! He will NEVER be our President! He's an enemy to the People! People are waking up! This is THE GREAT AWAKENING! God bless you & your loved ones! GOD BLESS THE REPUBLIC OF AMERICA!   *** Support the show (https://donate.eamedia.online)

HRchat Podcast
#358: Using AI to Build Company Culture w/ Devyani Vaishampayan, HR TECH Partnership

HRchat Podcast

Play Episode Listen Later Nov 5, 2021 25:27


In this HRchat episode, we consider how HR leaders can utilize AI for building leadership and developing company culture. Bill's guest this time is Devyani Vaishampayan, CEO at the HR TECH Partnership, an investment and digital innovation venture focused on the 'future of work'. The fund invests in AI-based HR digital start-ups and the firm also runs innovation hubs, helping organizations engage and learn about digital disruption in the workplace.She has a diverse range of experiences as a senior HR Director across a number of industries including engineering, telecoms, oil & gas, banking, professional services and technology. Devyani was previously Group HR Director at BSI and AET Tankers and has experience in large international businesses such as Citibank, G4S, AT&T, Rolls-Royce, and BG Group.Devyani was a finalist for the 2020 Asian Women of Achievement Award - Digital. She's also been listed in the 2017 Financial Times Ethnic Minority Leaders List and the 2016 Cranfield FTSE 100 Women to Watch list. Questions Include:Where do you see AI being used to support and build leadership and culture initiatives?What new tech is helping to augment work? What are some of the concerns corporate leaders have about the use of AI  solutions? Talk to us about some of the big data privacy concerns.  You are the Managing Partner of HR TECH Partnership. The firm aims to support corporate organizations with their digital innovation journeys around Talent and Workplace Productivity by helping them pilot AI & Digital solutions. Tell us about typical concerns and obstacles when starting the journey to AI and machine learning adoption with your clients.You're also Chair of the People Tech Group at the Tech London Advocates, a collection of tech leaders, experts, and investors uniting to form the most influential group in tech. With no government backing, this is the self-described "voice of the private sector in London". The group is one of nine groups in the Global Tech Advocates network of communities. Tell us about the group and its mission. We do our best to ensure editorial objectivity. The views and ideas shared by our guests and sponsors are entirely independent of The HR Gazette, HRchat Podcast, and Iceni Media Inc.  

AlongTheWay
“Do Your Children Believe?” - Terence Chatmon AlongTheWay 103

AlongTheWay

Play Episode Listen Later Nov 1, 2021 63:02


Do you have vision for your life? For your family? Terence Chatmon was a leading executive for Coca-Cola, CityBank and Johnson & Johnson but he wasn't being the leader in his family. One question changed his life forever and led to a victorious family!https://www.doyourchildrenbelieve.com/https://victoriousfamily.org/AlongTheWay LinksJoin My Email ListJohnAlongTheWay@gmail.comBecome a Patreon https://www.patreon.com/AlongTheWayMore episodes and Social links for AlongTheWayWatch episodes of My TV show RealLife & HopeTodayCharisma Podcast Network cpnshows.com Support the show (https://www.patreon.com/AlongTheWay)

Just Start Real Estate with Mike Simmons
Trust-Based Selling with Ari Galper

Just Start Real Estate with Mike Simmons

Play Episode Listen Later Nov 1, 2021 32:21


My guest today is Ari Galper. Ari is the world's #1 Authority on Trust-Based Selling. He is the author of Unlock The Sales Game and The One Call Sale and has been featured in CEO Magazine, Forbes, CNN, SkyNews, Australian Financial Review. Currently, Ari is the most sought-after trust-based selling authority for advisors, consultants, business owners, and entrepreneurs, as well as major corporations such as Citibank, Telstra, and General Electric   Ari first shares his background story and how he discovered trust-based selling. Twenty years ago, Ari was a sales manager at a company that launched the first online website tracking tools for collecting data, now known as Google Analytics. One day, he got a huge opportunity to pitch their product to a company that could double their revenue. They got on a conference call, everything was going great but after the meeting was over, Ari accidentally pressed the “mute” button instead of the “off” button. Knowing that the meeting went great he was surprised to hear them saying, ‘We're not going to go with him. Keep using him for more information and make sure we shop somewhere else cheaper.' It was at this moment he realized it has become socially acceptable not to tell the truth to people who sell. He also realized that the reason for this was that people put their guard up when they know that they are talking to someone who is trying to make a sale. So, he decided to come up with a system, a method that would take that pressure out of the sales process, so that both parties can come together and build trust with each other.    We then move on to discussing how to build trust when you are trying to make a sale. Ari explains that you can still be ambitious and go after your goals, but you are not allowed to transfer the pressure you feel onto the person to whom you are trying to sell. In order to do this, you first need to address some of the sales myths. Such as that sales is a numbers game; the more contacts you have, the more calls you make, the more sales you get. According to Ari, in today's economy it's not about how many calls you make, it's about how deep you go in each conversation, it's about building trust. The second myth is the sale is lost at the end of the process. According to Ari's research, the sale is lost at the beginning. And finally, the third myth: rejection is part of the game. Rejection is triggered by certain things you say and do that cause the other person to put their guard up.    Next, we talk about what attributes the most to not getting a sale. Ari explains that the first shift that needs to happen, if you are looking to make more sales, is a mindset shift. If you want to make a sale, you have to detach yourself from your goal, you can't put your own agenda at the center, instead you have to put yourself into your client's world. Next, you need to use trust-based language, words and phrases that won't trigger off any alarms for your clients that associate you with the negative salesperson stereotype.   Lastly, we talk about Ari's program Unlock The Game. This program directly challenges all the selling “rules” that are considered status quo thinking among most small and large businesses and provides a new and authentic sales mindset, along with trust-based languaging. Ari explains that the most important thing here is to take the pressure out of the process and shift your mindset and language so that you build a moment of vulnerability with your clients.    Make sure you don't miss this amazing episode of the Just Start Real Estate Podcast with the world's #1 Authority on Trust-Based Selling, Ari Galper. Learn how to stop selling and start building authentic relationships based on trust and integrity that will result in endless possibilities! Notable Quotes:   “I realized at that moment, that somewhere along the way it has become socially acceptable not to tell the truth to people who sell.” Ari Galper    “Typically, buyers and prospects are afraid to tell us the truth because there is an invisible river of pressure that flows underneath every sales chat we have with someone, and their guard is up.” Ari Galper   “You can still be ambitious. You can still have goals. You can still go for those goals, but you're not allowed to transfer that pressure from you to the other person.” Ari Galper   “We discovered that in this economy, it's not about how many contacts you make anymore, how many calls you make, it's about how deep you go in each conversation.” Ari Galper   “You've got to let them know you care about them. And this is the missing component in the sales world, that we don't have a way to convey to people that we care about them.” Ari Galper   “If you attempt to move somebody forward and they aren't ready yet, you break the trust right there at the beginning.“ Ari Galper   “Delivery is half of the trust.” Ari Galper   “When they sense your enthusiasm premature to their enthusiasm, immediately the sales alarms go off. ” Ari Galper Links: Unlock the Game  Ari on LinkedIn  Ari on Facebook Ari on Twitter  Ari on Instagram 7 Figure Flipping Return on Investments Just Start Real Estate JSRE on Facebook Mike on Facebook Mike on Instagram Mike on LinkedIn Mike on Twitter Level Jumping: How I Grew My Business to Over $1 Million in Profits in 12 Months

Radio Project Front Page Podcast
Resisting Corporate Pipeline Terrorism - Defending Sacrid Water, Segment 1

Radio Project Front Page Podcast

Play Episode Listen Later Oct 31, 2021


Water is Life! is the theme; resistance to oppression the lesson. Spirited rally to raise funds for the legal defense of people brutalized and arrested resisting the construction of Tar Sands Pipe Line #3 , its' threat to and destruction of land, water and human rights. Several students from nearby Northwestern University joined the resistance for extended actions and speak of their experience. Embridge Energy corporation lawlessly installed the pipeline across land belonging to indigenous people who refused it right of way. They hired the local police to be their private goons to crack heads. The State of Minnesota and local officials lent agency to facilitate Embridges' crimes while U.S. officials grovel before Embridge Corporation and its financial enabler CitiBank, demonstrating both disrespect for "rule of law" and life itself. When Michigan Governor Gretchen Whitmer ordered Embridge to shut down Line #5 it scoffed at her forcing some citizens of Michigan to shut down Line #5 in protest; a citizens arrest of sorts. The fight continues in the courts, in the fields and on the streets.

Craig Peterson's Tech Talk
How Ransomware, Trojanware, and Adware Hurt You

Craig Peterson's Tech Talk

Play Episode Listen Later Oct 29, 2021 85:09


How Ransomware, Trojanware, and Adware Hurt You. And Why ExpressVPN Isn't Safe to Use. Ransomware, Trojanware Adware. What's the difference between these different types of malware.? And when it comes down to our computers, which should we worry about the most and which should we worry about the most? [Automated Transcript Follows] [00:00:17] There are a lot of different types of malware that are out there and they're circulating and scaring us. [00:00:23] And I think for good reason, in many cases, ransomware of course, is the big one and it is up, up, up. It has become just so common. Now that pretty much everybody is going to be facing a serious ransomware attack within the next 12 months. The numbers are staggering. And what are they doing while now they're getting you with the double whammy. [00:00:50] The first whammy is they encrypt your data. Your computers are encrypted, everything on them. So you can't use them anymore. Bottom line. Yeah, they'll boot they'll run enough in order to be able for you to pay that ransom. But any document that you might care about, any PDF, any word doc, and the spreadsheet is going to be encrypted. [00:01:14] And the idea behind that is. You have to pay in order to get that decryption key about 50% of the time. Yeah. About half of the time. Even if you pay the ransom, you'll get your data back the rest of the time. No, you you'll never see it again. So what do you do about that type of ransomware? Well, obviously most people just pay the rent. [00:01:39] But that's gone up as well. We've seen over a hundred percent increase in the amount of ransom people happy. So what's the best thing to do. What's the easiest thing to do in order to help you with this type of ransomware while it's obviously to have good backups. Now I'm going to be doing a bootcamp. [00:02:00] We're going to talk about this and a workshop. I really want to get going with these one week long workshops. So we'll do a, at least a couple of times a month in these boot camps that we'll do pretty much every week here, but they're coming up fairly soon. You'll only know about them. If you are on my email list, that is Craig peterson.com and the number one thing that you can do to. [00:02:27] You when you're hit with this type of rent somewhere, because if you're not taking all of the other precautions, you should be digging under really good that you're going to get hit the better than 50%. And once you do is have a good backup, and I want to warn everybody because I've seen this again and against people just keep making this mistake, probably because they don't get it. [00:02:51] They don't understand why and where and how, when it comes to ransom. The mistake is they do a backup to a local desk. Now, many times the backup is on a thumb drive or USB drive. So you just go to the big box store. You go to Amazon, you order an external drive. You're just amazed how cheap they are. [00:03:16] Nowadays. Once you've got that drive, you plug it in. You turn on some backup software. Maybe it's something you've used for some years, maybe. If you have a Mac, you're just using the built-in backup software. Even the windows operating system now comes with some built-in backup and you think you're off and running because every so often it back. [00:03:40] If we're using a Mac is smart enough to not only back up your whole machine, but as you're editing files, it's going to go ahead and make a backup of that file as you're editing it. So if there is a crash or something else, you're not going to lose much. I just love the way apple does that. Huge problem. [00:03:59] Because if the disc is attached to your machine, or let's say that disc is on a file server, cause you're smart, right? You set up some network attached storage of some sort and your machine has access to it. And so you're sending it off of your machine to a central. Well, you still got a problem because if your machine can read or more particularly right to a location on your network or locally, that ransomware is going to also encrypt everything, it can find there. [00:04:37] So, if you are sharing a network drive and you get ransomware, when you remember the odds are better than 50%, you're gonna get it. Then what happens? What would this type of ransomware it not only encrypts the files on your computer, but encrypts them on the backup as well. And it also encrypts them on any of the. [00:04:58] File servers or network attached storage the, to have on your network. So now everything's encrypted. You wonder why someone and people pay the ransom? Oh, that's a large part of the reason right there. And I keep saying this type of ransomware because there isn't another type of ransomware and they usually go hand in hand. [00:05:21] The bad guys were not making enough money off of holding your files. Rants. So the next thing the bad guys have done is they've gone to a different type of extortion. This one is, Hey, if you don't pay us, we are going to release your files to the world. Now they might do it on a dark website. They might do it on a publicly available site, which is what many of them are starting to do now. [00:05:51] And you're going to either be embarrassed or subject to a lot of fines or both, because now if your files have. Confidential information. Let's say it's your intellectual property. Now, anybody who bothers to search online can find your intellectual property out there. If you have anything that's personally identifiable information. [00:06:18] And it gets out. Now you are subject to major fines. In fact, in some states like California and Massachusetts, you are subject to fines. Even if the bad guys don't post it online. So that's the second type of ransomware and it's a bad type. And usually what'll happen is the bad guys, get their software on your machine and they can do it in a number of different ways. [00:06:45] One of the popular ways to do it now is to just break in because. Our businesses, we've, we've set up something called remote desktop, and we're using remote desktop for our users to get in. And maybe we're using some form of a VPN to do it with, or maybe we've made the mistake of using express VPN. And, uh, we have that now connected up to our homes and we think that that's keeping us safe. [00:07:13] And I got a few things to say about that as well. These VPN services. What happens now while Microsoft remote desktop has been under major attack and there are some major flaws. Some of these were patched more than a year ago now, but according to recent studies, 60%, almost two thirds of businesses have not applied the patches. [00:07:42] You know, th this is basic stuff. And I understand how hard it can be and it can be confusing and you can break your systems, but you have to weigh that against well, what's going to happen if our systems are broken into, because we didn't apply the patch. So that's the second type of ransomware and that's what most people are afraid of and for good reason. [00:08:07] And one of the things we do for businesses and we do ransomware audits, we have a look at your systems, your firewalls, et cetera, and make recommendations to. Man. I got to talk about this too, cause it really upset me this week. I signed up for a webinar just to see what was going on. There's a company out there that sells these marketing systems to managed services providers. [00:08:33] And I, I, I had to turn it off like instantly because it was just such. Garbage that they were telling managed services providers MSPs to do. I couldn't believe it. So this guy was talking about how, again, I turned it back on and I said, Hey, I've got to watch us anyways, because I need to know what's going on. [00:08:54] And this guy was telling these managed services providers, how they can double their clothes. I couldn't believe this guy. Cause he was saying that what they do is they offer to do a ransomware audit for businesses and they say, normally we charge $6,000 to do a ransomware audit, but I tell you what we'll do it for you for. [00:09:20] Now, this is a guy that he had an MSP managed services provider. Apparently he had started it and he was bringing in more than $1 million per month in revenue. Can you imagine that monthly recurring revenue over a million dollars? And so he's telling people businesses, Hey, I have a $6,000 audit that we'll do. [00:09:47] For free, Hey people, how long have we said, if you're not paying for something your, the product remember Facebook, right? Google, Instagram, all of those guys, Twitter, you don't pay for it, but your information is the product. So what's this guy doing well, guess what? His audit, it's going to show his audit. [00:10:10] It's going to show that you need him. And he's sucked in hundreds of businesses and he didn't even know what he was doing when it came to the audits or protecting them. It is insane. What's going on out there. I am ashamed of my industry, absolutely ashamed of it. You know, I've got my first attack, successful attack against my company back in 91 92. [00:10:42] And I learned this stuff because I had to, and I help you guys because I don't want you to get stuck. Like I was so important, important word of advice. If you want to nod it, go to someone that charges you for the audit. That's going to do a real one. It's going to give you real advice that you can really need and use rather than, Hey, you knew do use me. [00:11:11] Because my free audit tells you so, so many scams. [00:11:15] What is ad where in what is crypto, where these are two types of real, kind of bad things. Won't gray areas, things that are hurting us, our mobile devices, our businesses. And our homes. [00:11:32] Adware is also a type of malware that's been around a long time. But it does live in a gray area. [00:11:42] And that gray area is between basically marketing and, uh, well outright fraud. And I don't even want to call it just marketing because it's very aggressive market. What they will do with add where is they? They will have some JavaScript code or something else that's embedded on a webpage, and that's usually how you get it. [00:12:09] And then once it's in, in your browser, it sits there and it pops up things. So it'll pop up an ad for this, pop up an ad for that, even if it's. Uh, part of the site that you're on right now, and it can live for months or years on your computer. We've known for a long time about ad where on the windows environment and how it has just been just terribly annoying at the very least Microsoft and genetic Explorer. [00:12:40] One of the worst web browsers ever. Perpetrated on humankind was well-known for this. And of course, Microsoft got rid of internet Explorer, and then they came up with her own symposer browser, the edge browser that was also openly scorned. And so Microsoft got rid of their edge browser and switched over to basically Google Chrome chromium, and then changed his name to the edge browser. [00:13:11] And so you think you're running edge, but you're kind of not, you kind of are. So they did all of that in order to help with compatibility and also to help with some of these problems that people have had using that Microsoft browser online, very, very big problems. So what can you do about it and what does it do to you and where can be very. [00:13:37] You might've had it before words always popping up again and again and again on your browser, just so crazy knowing it it's insane, but it can also be used to spy on where you're going online and potentially to, to infect you with something even worse. Sometimes some of this ad where we'll purposely click on ads, that the people who gave you the ad were, are using as kind of like a clickbait type thing. [00:14:09] So you go to a website and it was. Automatically click certain ads and click on unbeknownst to you, right? It's as though you went there so that people have to pay for that ad. And sometimes aids are very, very complicated. Sometimes they'll use. In order to drive a competitor out of business or out of the market, because the ads are so expensive because so many people are supposedly clicking on the ads. [00:14:40] But in reality, you didn't click on the ad. You're not going to see that page that you supposedly clicked on, and it's going to cost that advertiser money, whole bunch of money. You might not care. Right. But it is. Ad ware over on the Mac, however, is the only real malware menace at all I had to where is something that choosed fairly frequently on the Mac? [00:15:09] It is pretty darn easy to get rid of. And as a general rule, it doesn't work very well on the Mac. Although I have seen some cases where it got very, very sticky. Where someone ended up installing it, it wasn't just running in the browser, but they installed it on their Mac, which is something you should never do. [00:15:29] But apple has some things in place to help stop any of this from happening. And it's gotten a lot better. I haven't seen this problem in a couple of years, but apple is using the signature based blocking technology called export. They also have at apple, this developer based notarization of apps. And so the run of the mill malware, which includes most of this Al where really can't find a foothold. [00:15:57] But I want to remind everybody that if they can get Al add where onto your computer, they might be able to get something worse. So you really got to keep an eye out for no two ways about it. There are some companies out there, for instance, there's this one. Parrot, which is a program linked to this Israeli marketing firm that gains persistence on your browser and potentially could gain root access to the Mac system. [00:16:30] So careful, careful on all fronts now. Anti-malware stuff that we use for our clients is called amp, which is an advanced malware protection system. That's been developed by our friends over at Cisco it's amp is very, very good. Unfortunately, you cannot get it unless you buy it from somebody like us and you have to buy so many seats for some of this stuff, it gets gets expensive quickly. [00:17:00] Um, if you can't do that much, a lot of people like Malwarebytes, there are some very good things about it, but be careful because in order for this to work, this is Railey parrot software to work. It has a fake install. So again, it's just be careful if you know how apple installed software, you know that unless you have instigated it, it's not going to be installed. [00:17:30] You're not just going to see an installer. And say, Hey, we're apple install us. Right? Apple just does it in the background when it comes to updates patches. But they're very sneaky here trying to install things like the Adobe floor. Player, which has been deprecated. Deprecated is completely now gone from Mac systems and from windows systems, you should not be using flash at all anymore. [00:18:02] It was very, very bad. So up becomes you, you go to wound stole the leaders flash player, or, and I'm sure they're going to change this or something else, right? It won't be flashed in a future. It'll be a Adobe. Would you also don't need on a Mac. So anyhow, that's what you got to be careful of ad were still a big problem in windows. [00:18:25] Not much as much as it used to be. Uh, thanks to the change to Google Chrome, which Microsoft has rebranded as of course its own edge browser. Much of a problem at all on Macs, but be very, very careful in either platform about installing software that you did not start installing. Now earlier this year, there's a security firm called red Canary that found something that's been named silver Sparrow. [00:18:58] That was on a. 30,000 Mac computers. And apparently the developers for this malware had already adapted it to apples and one chip architecture and have distributed this binary, this program as a universal binary. Now in the macro, the member doesn't just use Intel. It used to use power PCs and then it used Intel. [00:19:21] And now it's using its own architecture for the chips themselves. So a universal binary is something that will run on Mac Intel based and Mac architecture base. But, uh, the bottom line is that this proof of concept. Malware, if you will had no payload. So we know it's out there, we seen it now on almost 30,000 Mac computers, but at this point it's not really doing much, much at all. [00:19:53] So. These are malicious search engine results and they're directing victims to download these PKGs, which are Mac packaged format installers based on network connections from your browser shortly before download. So just be very careful about all of that. It can be something as annoying as malware or something as a malicious. [00:20:17] Well, potentially as ransomware. Particularly if you're running windows, Hey, if you want to find out more about this, if you want to get into some of my free courses here, we got free boot camps coming up. Make sure you go to Craig peterson.com/subscribe. More than glad to send you my show notes, a little bit of training, and of course, let you attend these free bootcamps that are now to sell you stuff, but solve problems for you. [00:20:49] Hey, if you use VPNs to try and keep yourself safe, particularly if you use express VPN. Wow. What just came out is incredible. It is anything but safe and secure. [00:21:06] Express VPN was purchased by a company called Cape K A P E. Cape is a company that had changed its name because oh, things were bad. [00:21:19] Right. It was originally founded under the name of cross writer. And you might've seen notices from your anti-malware software over the years for everything from Malwarebytes on saying that, oh, it blew up. To this cross writer piece of malware, most of the time it's ad ware, but it is really interesting to see because this company was founded by a person who was part of the Israeli secret service. Right? So it wasn't of course not. It's not called the secret service over there in Israel. And it, frankly, it compares to our NSA, you know, no such agency. Yeah. It's part of unit 8,200 in the Israeli intelligence military. And it's been dubbed, of course, Israel's NSA. Teddy Saggy, which was one of these investors also was mentioned in the Panama papers. [00:22:24] Remember those? We talked about those back in 2016, those were leaked and that showed these law firm, this one particular law firm in panel. And that we're sheltering assets for people all over the world. And so now that express VPN is owned by this company that is, this company built entirely by intelligence agents for almost a billion. [00:22:55] Dollars in cash and stock purchases. That's a much, they sold express VPN for almost a billion dollars, which is kind of crazy when you think of it as a VPN service, but makes a lot of sense. If you're going to want to monitor what people are doing, where they're going, maybe even break into their systems or better choice than a VPN provider and the. [00:23:20] The company has been buying up VPN providers and is now the proud owner of express VPN. If you attended my VPN workshop that I had, oh, it's probably been a year and I'm going to start doing these again. I promise, I promise. I promise, but you know how much I just like VPNs. In fact, one of you guys, I'm sorry, I forgot your name. [00:23:46] Send me. A couple of weeks ago now about VPNs and saying, I know how much you disliked VPN look at this article. And it was talking about this whole thing with express VPN. So they just now all over the place, the discussions online about what. Been to hear who the founder was, the CEO, the CTO, this growing portfolio that they have in Sunbrella of ownerships, that now is centralized in a multiple VPNs. [00:24:15] Now, Cape technology only started acquiring VPN companies about four years ago. And they've been in business now for over a decade. And what were they doing before? They started buying VPN companies? While they own VPN companies. Oh, they were a major manufacturer and distributor of. Malware of varying types. [00:24:40] Now the first part of the show today, of course, I was explaining some of the differences, like ad words, et cetera, so that you could understand this story. Right? Ghulja that? So you can understand this. That's what these guys have been doing. It's absolutely crazy. So the F the co-founder of Cape technology and former CEO started his career in information technologies while serving in the Israeli defense forces. [00:25:08] As I mentioned, Israeli intelligence Corps under unit 8,200 it's that unit is responsible for. Dean what's called signal intelligence and data decryption. Now we have signal intelligence here as well, and that's basically intercepting signals, figuring out what's being said, what's going on? Where they are, the size of the forces, et cetera. [00:25:32] I have a friend of mine, a young lady who is in signal intelligence in, I think it's the Navy, but every part of our military has it is. However, our military doesn't directly control VPM services like express VPN that can be used in a very big spike capacity. That's what I'm really concerned about. Now. I also, I found an interesting article on zero hedge about this, uh, you know, this company express, VPN being acquired. [00:26:06] But they're also pointing out that companies that were founded by former operatives of unit 8,200. That again, the Israeli version of the NSA included. Ways Elbit systems, which is right in my hometown of Merrimack, New Hampshire and slews of other startups now ways. Right. I, I used ways I recommended people to use it and of course, Google bought it a few years back and that's when I stopped using it, but it was really nice. [00:26:39] It worked really well. And I had no idea the information was likely going to. The Israeli defense Corps. Oh my goodness. There's spy agencies, uh, and a bunch of other startups, by the way. It's estimated that there have been over 1000 stack tech startups that came out of the people working at unit 8,208. [00:27:07] Again, they're CIA NSA, uh, guys, their spine on everybody. You can, you believe that? And they've been bought by a mentioned Google, but other companies like Kodak, PayPal, Facebook, Microsoft have bought them. So in addition to the thousands of companies, according to zero. Uh, unit 8,200 has also fostered close working relationship with the U S government, which you would expect, right? [00:27:33] Edward Snowden. You remember him? He disclosed leaked documents. He obtained, which included an agreement between the NSA and the Israeli defense force. The agreement showed that the U S intelligence. Agency would share information. It collected under domestic surveillance operations with it. Israeli counterpart. [00:27:53] You remember we talked before about the five eyes, seven eyes searching eyes. It's up in the twenties. Now these countries that spy on each other citizens. For the other countries, right? Yeah. Your information might not be collected by the U S government, but the U S government gets it by buying it from private contractors, which it says it can do because we're only barred from collecting it ourselves. [00:28:17] We can use private contractors that collected on you. And also by going in partnership with foreign government. Because again, we can't collect that information, but we can certainly have the Israelis or, or the Brits or the Australians or Canada. They could collect it from. Can you believe this, how they're just stretching these rules to fit in what they want to fit. [00:28:39] Okay. Completely ignoring not only the constitution, but the laws of the United States. It's, it's just absolutely incredible. So critics of this unit, Eddy 200 attested that the Israeli intelligence outfit routinely uses the data received from the NSA by providing it to. Politicians Israeli politicians for the basics of blackmailing. [00:29:06] Yes. Blackmailing others. Yes. Indeed. Other whistle blowers have revealed any two hundreds operations have been able to disrupt Syrian air defense systems, hack Russia. Cap Kaspersky labs. You remember I told you guys don't use Kaspersky antivirus and has outfitted several Israeli embassies with Glendale, seen surveillance systems, cleanse Stein. [00:29:31] However you want to pronounce it. By the time Cape technologies acquired his first VPN company. Uh, the CE original CEO had left and he went on to found cup pie before leaving as it CEO in 2019, it goes on and on, uh, bottom line gas, SWAT express VPN, which is advertised by so many conservatives. Now looks like it is actually part of a spy operation. [00:30:01] So sign up now. Craig peterson.com. Craig peterson.com/subscribe. You're going to want to attend my free VPN webinar. Hey, I don't have anything to sell you when it comes to VPNs. I just want you to know the truth. [00:30:17] Labor shortages are making businesses turn direction. And now that we're laying off people or firing them because they didn't take the jab, what are businesses going to do? Well, I have news for you that reduced workforce, well, guess what?. [00:30:34] U.S. Businesses are really seriously moving to automation. [00:30:39] Now they've been doing this since the start of this whole lockdown. They were doing it even before then. I tell the story of when I was in France, a boom went four or five years ago now, and I stayed off the beaten path. I was not in the touristy areas. I speak French. So I went just where the. I decided to go, my wife and I, so we rented a car and we spent a month just kind of driving around where do we want to go next to, or do we want to go next? [00:31:08] It was a whole lot of fun. And while we were there on a Sunday, I came to realize that these small French towns have no restaurants open on Sunday, nothing at all, talking about a bit of a culture shock. That's not true. There was one restaurant opened in the town and that restaurant was, and McDonald's. [00:31:30] So when I go to McDonald's here a few years ago in France, central France. And when I walk in, there's nobody at the counter, but they're all. Oh, half a dozen kiosks out front. So you go and you order your hamburger, whatever might be, or your drinks, et cetera, right there in the kiosk, you pay for them riding the kiosk. [00:31:53] And there's some people working out back that are then making the hamburgers or the milkshakes or coffee, whatever you ordered and bringing it up to the front. And then they just put her right there for you to grab that simple. And this was of course, pre. Down days, I assume that it has gone even more automated. [00:32:14] Uh, they're in France, but hard to say. And I've seen the same thing here in the us. I was out in Vermont just about a month ago and I was riding with a buddy of mine, motorcycle riding, couple of buddies, actually. And we stopped in this small. Town. And we went to this little breasts, breakfast restaurant and the breakfast restaurant had maybe four or five tables inside. [00:32:42] And you just sat at the table. No waitress came up, but there's little sign with the QR code. So it said a scan, the QR code to get started. So you scanned it, it knew based on the QR code, which table you were at, and it showed you the menu that was in effect right then and there. So the lunch menu or the breakfast or the all day, you got to pick it and then you selected what you wanted. [00:33:08] It used whatever payment you wanted. I used apple pay. And in order to pay for my breakfast and my buddy ordered what he wanted. And then out came a waitress who delivered the food. Once it was already in the drinks, it was very automated. It allowed them to cut back on some people and others, this small restaurant, they probably had one last waitress, but when you kind of had in the shifts. [00:33:33] Days and vacation days is probably two waitresses. So they're saving some serious money because a system like this that you just scan a QR code and do the order and it prints up in the kitchen is cheap compared to hiring. Well, of course, it's hard to hire people, especially in the restaurant industry nowadays heck and in my business where we go in and we do analysis of computer networks and systems, it's almost impossible to find people that are really well qualified that understand the regulations that apply to these different businesses. [00:34:10] So it's like, forget about it. There's more than a million of these jobs open right now. And just in this cybersecurity. Well, September mark, the end of the real lockdown induced unemployment benefits workers. Didn't just flood the labor market as we kind of expected. And we have now few, we have more people now. [00:34:38] Who are out of the workforce. Who've decided not to look for a job than we did in 2008. So that's telling you something 2008 during the great recession. Interesting things are about to happen, but there's a great little article that I found in. Times this week, and it's talking about this quality local products company out of Chicago, the prince logos on merchandise, like t-shirts water bottles, you know, the little stress balls, all of that sort of stuff. [00:35:10] And he said prior to the pandemic, we had over 120 employees. That's the co-founder talk in there. And he said, Primary focus was on growth. We simply plugged any holes or any efficiencies that we could along the way with human capital, bringing people in. But once the lockdown happened, of course, all of a sudden now you don't have the access to employees you had before. [00:35:36] So they had a huge decrease also in business. So those two went hand in hand. They let a lot of people go and they use the opportunity to program many of the previous manual and human controlled activities into computers. So now 18 months later, yeah, two weeks to flatten the curve. Right? 18 months later, the company employees, 83 workers. [00:36:03] And as managing a workload, that's pretty much the same as pre lockdown. So they went from over 120 employees down to 83. So basically they cut 40 employees from the workforce. That's a whole lot of quarter of the workforce gone. They don't need them anymore. So that's going to help produce more profits for them. [00:36:27] A lot more profits. Cause usually automating. Yeah, it can be painful, but it usually has major paybacks and that's exactly what it had for them. And they're saying that they anticipate that they can reduce employees even more by the end of this year and get their head count below. 50 now 50 is a magic number. [00:36:48] So it was a hundred when it comes to employees. Well, one is like the biggest magic number because when, once you have one employee, you all of a sudden have to comply with all kinds of rules, regulations, state, local, federal. But if you hit 50 employees, you have the next step of major new regulations that are gonna affect your business. [00:37:09] And then when you hit a hundred employees, Even more, so many people try and keep their businesses below 50 employees because it's just not worth it to have all of those regulations, additional regulation, taxes, and everything else. Another company, this is a California based property management. The managing more than 90,000 commercial and residential properties. [00:37:33] And what they've done is they added a chat feature to the website, the company's called sea breeze. And he says, even though we have the live chat, you can still reach us outside of business hours. Well, You are using the chat or you can call us either way, but they're saying people like the simple form and someone gets back to them as soon as they can. [00:37:57] So they're avoiding now having staff available 24 7 to respond to chat messages and to respond to the voicemails and phone calls that come in. So it's pretty good all the way around, frankly, new shopping models are in place. I'm looking at a picture of a business and it has. Of course, a window up front and in the window they have jewelry. [00:38:21] This is a jewelry store and they've got QR codes in front of each of these pieces of jewelry right on the inside of the window. So if you're interested in finding out more about that piece of jewelry, Just scan the QR code. It'll take you to the right page on their website and we'll even let you buy the jewelry and they will mail it to you again. [00:38:46] How's that for? Great. If you have a business in a tourist jury area and you don't want to be open until 11:00 PM at night, your story can keep selling for you. Even when you're close. This is window shopping, taken to an extreme, very simple. To do as well. This company is called full me waiter. Obviously they've got a bit of a sea theme here. [00:39:10] So once someone orders the jewelry and the other merchandise sent right to them, or they can have it set for pickup in the store, when they next open it's phenomenal. They're calling. Alfresco shopping space, right from the sidewalk. So businesses again are returning to pre pandemic levels and he, this guy is available in the store by appointment only he's loving it. [00:39:37] And he says that customers have been so satisfied with this QR code window shopping contract. That he wrote a guidebook. You can get it@scantshopsolution.com or excuse me, scan, just shop solution.com. I misread that. So any retailers who want to use this method, if you don't know what QR codes are, or you don't know how to code it into a website, et cetera, she's got webinars she's taught on it and she's got the guide book. [00:40:05] I think this is great. Right? So she's now making some money on. Explain to other people, how she did this. It's phenomenal across industries. Epic times is saying the staffing shortages could be temporary, but as firms are further embracing, embracing automation and all of its benefits, some of these jobs that people just don't want anymore may actually be going away. [00:40:33] And I think this is ultimately a problem. We had, uh, you know, again, I'm older generation, right? Us baby boomers. We had opportunities when we were younger. I had newspaper routes. I had the biggest drought in the area. I can't remember. It was like 120 homes. It was huge. It took me hours to do, but I made money. [00:40:56] I learned how to interact with people. I knew, I learned how to do bill collection, how important it was not to let customers get too far behind on their bills. Although I have been slack on that one, I'm afraid, but it helped me out a lot. So, what are kids going to do that need to learn a work ethic that need to be able to have a job, make the mistakes, maybe get fired a once or twice or, or three times maybe learn how to interact with customers. [00:41:27] Everyone, I think can benefit from some retail experience. Get that when you're young and if these jobs don't exist, then. Or the younger generations here, are they just going to be trying to find jobs they can do with Instagram? Right? They're all I know. A few kids who have said, well, I'm a social media influencer and you look them up and okay. [00:41:50] So they got a thousand people following them. I have far more than that, but you know, it, that's not a job. It's not going to last. Your looks are only going to last so long. Right now you start having a family and you start working hard outdoors, et cetera. There's a lot of things that make that all go away. [00:42:09] So I think many businesses now we're going to continue to accelerate our plans program out and. A lot of weld pain positions, as well as these entry-level positions in the next five or 10 years. Really? I don't even know if it's going to be 10 years retool retrain our workforce, or everyone's going to be in for a world of hurt. [00:42:33] Hey, make sure you subscribe. So you're not in a world of hurt. Get my latest in news, especially tech news and cybersecurity. Craig peterson.com. [00:42:46] In this day and age, if you don't have a burner identity, you are really risking things from having your identities stolen through these business, email compromises. It's really crazy. That's what we're going to talk about. [00:43:03] An important part of keeping ourselves safe in this day and age really is con to confuse the hackers. The hackers are out there. They're trying to do some things. For instance, like business, email compromise. It is one of the biggest crimes out there today. You know, you hear about ransomware and. It hits the news legitimately. [00:43:26] It's very scary. It can really destroy your business and it can hurt you badly. If you're an individual you don't want ransomware. Well, how about those emails that come in? I just got an email in fact, from a listener this week and they got a phone call. His wife answered and it was Amazon on the phone and Amazon said, Hey, listen, your account's been hacked. [00:43:54] We need to clear it up so that your identity doesn't get stolen. And there's a fee for this. It's a $500 fee. And what you have to do is just go to amazon.com. Buy a gift card and we'll then take that gift card number from you. And we'll use that as the fee to help recover your stolen information. So she went ahead and did it. [00:44:20] She went ahead and did all of the things that the hackers wanted and now they had a gift card. Thank you very much. We'll follow up on this and. Now she told her husband, and of course this isn't a sex specific thing, right. It could have happened to either one. My dad fell for one of these scams as well. [00:44:44] So she told her husband or her husband looked at what had happened and said, oh my gosh, I don't think this is right. Let me tell you, first of all, Amazon, your bank, various credit card companies are not going to call you on the phone. They'll send you a message right. From their app, which is usually how I get notified about something. [00:45:10] Or they will send an email to the registered to email that. Uh, that you set up on that account. So that email address then is used by them to contact you right. Pretty simple. Or they might send you a text message. If you've registered a phone for notifications, that's how they contact you. It's like the IRS. [00:45:35] I was at a trade show and I was on the floor. We were exhausted. And I got no less than six phone calls from a lady claiming to be from the IRS and I needed to pay right away. And if I didn't pay right away, they were going to seize everything. And so all I had to do. Buy a gift card, a visa gift card, give her the number and she would use that to pay the taxes it and this lady had a, an American accent to one that you would recognize. [00:46:10] I'm sure. And it's not something that they do now. They do send emails, as I said. So the part of the problem with sending emails is, is it really them? Are they sending a legitimate email to a legitimate email address? Always a good question. Well, here's the answer. Yeah, they'll do that. But how do you know that it isn't a hacker sending you the email? [00:46:42] It can get pretty complicated. Looking into the email headers, trying to track. Where did this come from? Which email servers did it go through? Was it authenticated? Did we accept? Did the, uh, the provider use proper records in their DNS, the SPIF, et cetera, to make sure that it's legitimate. Right? How do you follow up on that? [00:47:07] That's what we do for our clients. And it gets pretty complicated looking at DKMS and everything else to verify that it was legitimate, making sure that the email came from a registered MX server from the, the real center. There is a way around this. And this has to do with the identities, having these fake burner identities. [00:47:33] I've been doing this for decades myself, but now it's easy enough for anybody to be able to do. There are some services out there. And one of the more recommended ones. And this is even the New York times, they have an article about this. They prefer something called simple log-in. You can find them online. [00:47:57] You can go to simple login dot I O. To get started now it's pretty darn cool. Cause they're using, what's called open source software it's software. Anybody can examine to figure out is this legitimate or not? And of course it is legitimate, but, uh, they it's, it's all out there for the whole world to see. [00:48:17] And that means it's less likely in some ways to be hacked. There are people who argue that having open source software means even more. In some ways you are, but most ways you're not, anyways, it doesn't matter. Simple login.io. Now, why would you consider doing this? Uh, something like simple login? Well, simple login is nice because it allows you to create dozens and dozens of different email address. [00:48:51] And the idea is with simple log-in it will forward the email to you at your real email address. So let's say you're doing some online shopping. You can go ahead and set up an email address for, you know, whatever it is, shopping company.com, uh, that you're going to use a shopping company.com. So you'd go there. [00:49:13] You put in two simple log-in, uh, I want to create a new identity and you tag what it's for, and then you then go to some, um, you know, shopping company.com and use the email address that was generated for you by simple login. Now you're a simple login again. Is it going to be tied into your real email account, wherever that might be if using proton mail, which is a very secure email system, or if using outlook or heaven forbid Gmail or one of these others, the email will be forwarded to you. [00:49:52] You will be able to see that indeed that email was sent to your. Shopping company.com email address or your bank of America, email address, et cetera, et cetera, that makes it much easier for you to be able to tell, was this a legitimate email? In other words, if your bank's really trying to get ahold of you, and they're going to send you an email, they're going to send you an email to an address that you use exclusive. [00:50:22] For bank of America. In reality, you only have the one email box that is over there on wherever proton, mail, outlook, Gmail, your business. You only have that one box you have to look at, but the email is sent to simple login. Does that make sense? You guys, so you can create a, these alias email boxes. It will go ahead and forward. [00:50:49] Any emails sent to them, to you, and you'll be able to tell if this was indeed from the company, because that's the only place that you use that email address. That makes it simple, but you don't have to maintain dozens or hundreds of email accounts. You only have the one email account. And by the way, you can respond to the email using that special aliased email address that you created for the shopping company or bank of America or TD or whomever. [00:51:22] It might be, you can send from that address as well. So check it out online, simple log-in dot IO. I really liked this idea. It has been used by a lot of people over, out there. Now here's one other thing that it does for you, and this is important as well. Not using the same email address. Everywhere means that when the hackers get your email address from shopping company.com or wherever, right. [00:51:56] pets.com, you name it. They can not take that and put it together with other information and use that for business, email compromise. Does that make sense? It's it makes it pretty simple, pretty straightforward. Don't get caught in the whole business email compromise thing. It can really, really hurt you. [00:52:19] And it has, it's one of the worst things out there right now, dollar for dollar it's right up there. It, by the way is one of the ways they get ransomware into your systems. So be very careful about that. Always use a different email address for every. Website you sign up for. Oh, and they do have paid plans like a $30 a year plan over at simple IO will get you unlimited aliases, unlimited mailboxes, even your own domain name. [00:52:50] So it makes it pretty simple, pretty handy. There's other things you might want to do for instance, use virtual credit cards. And we'll talk about those a little bit. As well, because I, I think this is very important. Hey, I want to remind everybody that I have started putting together some trainings. [00:53:12] You're going to get a little training at least once a week, and we're going to put all of that into. We have been calling our newsletter. I think we might change the name of it a little bit, but you'll be getting those every week. And the only way to get those is to be on that email list. Go to Craig peterson.com/subscribe. [00:53:35] Please do that right. I am not going to harass you. I'm not going to be one of those. And I've never been one of those internet. Marketers is sending you multiple dozens of emails a day, but I do want to keep you up to date. So stick around, we will be back here in just a couple of minutes. And of course you're listening to Craig Peterson. [00:53:59] And again, the website, Craig peterson.com stick around because we'll be right back. [00:54:05] One of the best ways to preserve your security on line is by using what we're calling burner identities, something that I've been doing for more than 30 years. We're going to talk more about how to do that right. [00:54:20] We've talked about email and how important that is. I want to talk now about fake identities. Now, a lot of people get worried about it. It sounds like it's something that might be kind of sketchy, but it is not to use fake identities in order to confuse the hackers in order to make it. So they really can't do the things that they. [00:54:46] To do they can't send you fishing ear emails, particularly spear phishing emails. That'll catch you off guard because you're using a fake. How do you do that? Well, I mentioned to you before that I have a thousands of fake identities that I created using census data. And I'm going to tell you how you can do it as well. [00:55:13] Right? There's a website out there called fake name a generator. You'll find it online@fakenamegenerator.com. I'm on that page right now. And I'm looking at a randomly generated identity. It has the option right on this page to specify the sex. And it says random by default, the name set, I chose American the country United States. [00:55:44] So it is applying both American and Hispanic names to this creative. And now remember it's doing the creation based on census data and some other public data, but it is not giving you one identity of any real. I think that's important to remember, and you're not going to use these identities for illegal purposes. [00:56:11] And that includes, obviously when you set up a bank account, you have to use your real name. However, you don't have to use your. If you will real email address, you can use things like simple login that will forward the email to you, but we'll let you know who was sent to. And if you only use that one email address for the bank, then you know that it came from the bank or the email address was stolen from the bank. [00:56:40] Right. All of that stuff. We've talked about that already. So in this case, The name has come up with for me is Maurice D St. George in Jacksonville, Florida even gives an address, uh, in this case it's 36 54 Willis avenue in Jacksonville, Florida. So if I go right now, Uh, two, I'm going to do use Google maps and I am going to put in that address. [00:57:11] Here we go. Jacksonville willows avenue, all the guests. What there is a Willis avenue in Jacksonville, and it's showing hoes from Google street view. Let me pull that up even bigger. And there it is. So ta-da, it looks like it gave me. Fairly real address. Now the address it gave me was 36 54, which does not exist. [00:57:40] There is a 365, but anyways, so it is a fake street address. So that's good to know some, if I were to use this, then I'm going to get my. Uh, my mail saying why about I pass? So, uh, Maurissa tells you what Maurice means, which is kind of neat. It'll give you a mother's maiden name. Gremillion is what a gave me here, a social security number. [00:58:06] So it creates one that passes what's called a check sum test. So that if you put it into a computer system, it's going to do a real quick check and say, yeah, it looks. To me. So it's was not just the right number of digits. It also passes the check, some tasks. Well-known how to do a check sum on their social security numbers. [00:58:27] So again, it's no big deal. And remember, you're not going to use this to defraud anyone. You're going to use this for websites that don't really need to know, kind of give me a break. Why do you need all this information? It gives me a phone number with the right area code. Uh, and so I'm going to go ahead and look up this phone number right now. [00:58:50] Remember, use duck, duck go. Some people will use Google search and it says the phone number gave me is a robo call. As I slide down, there's some complaints on that. Uh, so there you go. So they giving us a phone number that is not a real person's phone number, country code, of course one, cause I said United state birth date. [00:59:13] Oh, I was born October 7th, year, 2000. I'm 20 years old. And that means I'm a Libra. Hey, look at all this stuff. So it's giving me an email address, which is a real email address that you can click to activate or right there. Again, I mentioned the simple login.io earlier, but you can do a right here and it's got a username and created for me a password, which is actually a pretty deep. [00:59:41] The password. It's a random one, a website for me, my browser user agent, a MasterCard, a fake MasterCard number with an expiration and a CVC to code all of this stuff. My height is five six on kind of short for. Uh, my weight is 186 pounds own negative blood type ups tracking number Western union number MoneyGram number. [01:00:11] My favorite color is blue and I drive a 2004 Kia Sorento and it also has a unique ID. And, uh, you can use that wherever you want. So the reason I brought this up again, it's called fake name generator.com is when you are going to a website where there is no legal responsibility for you to tell them the true. [01:00:39] You can use this. And so I've, I've used it all over the place. For instance, get hub where you have, uh, it's a site that allows you to have software projects as you're developing software. So you can put stuff in, get hub. Well, they don't know to know, need to know who I really am. Now they have a credit card number for me. [01:01:01] Because I'm on a paid plan. I pay every month, but guess what? It isn't my real credit card number. It isn't the number that I got from fake name generator. My credit card company allows me to generate either a single use credit card numbers, or in this case, a credit card. Number four, get hub doc. So just as an example, that's how I use it. [01:01:24] So if get hub gets hacked, the hackers have an email address and a name that tipped me off right away, where this is coming from. And if the email didn't come from GitHub by no, they either sold my information to a marketing company, or this is a hacker. Trying to manipulate me through some form of his fishing scheme. [01:01:47] So I know you guys are the breasts and best and brightest. A lot of you understand what I'm talking about and I'm talking about how you can create a burner identity. And let me tell you, it is more important today to create a burner identity. Then it has ever been at any point in the past because frankly burner identities are one of the ways that you can really mess up some of the marketing firms out there that are trying to put the information together, these data aggregator companies, and also the hackers. [01:02:24] And it's really the hackers that were off up against here. And we're trying to prevent them from. Getting all of this information. So when we come back, I want to talk about the next step, which is which credit cards can you get? These single use card numbers from? Should you consider using PayPal when my Google voice be a really good alternative for you? [01:02:52] So we're going to get into all of that stuff. Stick around in the meantime, make sure you go to Craig peterson.com/subscribe. Get my newsletter. All of this. Is in there. It makes it simple. It's a simple thing to do. Craig peterson.com. And if you have any questions, just email me M e@craigpeterson.com. [01:03:20] Having your credit card stolen can be a real problem for any one of us. It gives the bad guys, a lot of options to spend a lot of money very quickly. We're going to talk right now about virtual credit cards. What are they, what does it mean? [01:03:37] Virtual credit cards come in two basic forms. [01:03:41] One is a single use credit card, which was quite popular back when these things first came out and another one is a virtual credit card that has either a specific life. In other words, it's only good for 30 days or that can be used until you cancel it. If you have a credit card, a visa, MasterCard, American express discover all of the major card issuers will give you the ability to reverse any charges that might come onto your cards. [01:04:19] If your card is stolen or missing. Now that makes it quite easy. Doesn't it? I want to point out that if you're using a debit card, as opposed to a credit card, there's not much challenging you can do with the credit card. You can say, I am not going to make my pain. And, uh, because of this, that, and the other thing, this was stolen, et cetera, they can file it as a disputed charge. [01:04:46] They can do an investigation find out. Yeah. I'm you probably were not at a bus terminal down in Mexico city, which happened to me. 'cause I was up here in New Hampshire, quite a ways down to Mexico city. And so they just reversed it out. That money never came out of my bank account because it was on a credit card. [01:05:08] If I were using a debit card. That money would have come right out of my account. Now, mind you, a bus ticket in Mexico city is not very expensive, but many people have had charges of many thousands of dollars. And if you need that money in your checking account, and you're using a debit card, you got a problem because your check for, well, if you ever have to pay rent again, red check is going. [01:05:38] Bound because they just empty it out to your bank account. So now you have to fight with the bank, get the money back. They will, they will eventually refund it, but it could make some of you. Transactions that you might've written a check or something, it'll make them bounce. And that could be a real problem. [01:05:57] These, it could make them bounce. So using a credit card is typically less of a hassle online. So why would you want to use a virtual card or also known as a master credit card? Masked and may S K E D? Well, the main reason behind this is to allow you. Control payment. I've used them. In fact, I use them exclusively on every website online. [01:06:29] And I'm going to tell you the names of some of them here in just a couple of minutes, but I use them all of the time. And part of the reason is let's say, I want to camp. Uh, service. Have you ever tried to cancel a service before and you have to call them many times, right. And so you're, you're arguing with somebody overseas somewhere who doesn't want you to close the account. [01:06:53] And of course the. Bump you up to the next level person who also doesn't want you to close the account. And so you have to fuss fuss, fuss, fuss. Have you ever had that experience and I'm sure you have. It just happens all the time. So with using the virtual credit card, Well, the advantage to me is, Hey, if you are going to try and fight with me, I don't care because I'm just going to cancel that credit card number. [01:07:24] So I don't have to cancel my credit card. I don't have to have the company reissue credit card for me. I don't have to do any of this sort of thing that makes my life pretty easy. Doesn't it? And so, because of that, I am now I think in a much better. Place, because it just, I don't have to fight with people anymore. [01:07:43] So that's one of the reasons I used it. The other big reason is if it gets stolen, they can cause less harm. Some of these credit card it's virtual credit cards are set up in such a way that you can limit the amount that's charged on them. Do you like that? So if you are using it on a site that maybe is charging you $50 a month, no problem. [01:08:09] $50 a month comes off of the credit card. And if someone tries to charge more bounces and then hopefully you find out, wait a minute, it just bounced on me right now. Then next step up is okay. It bounced and. Uh, I am just going to cancel the card and then you issue a new credit card number for that website. [01:08:32] So an example. In my case has get hub.com. We keep software up there and they charge me every month if get hub were to get hacked and that credit card number stolen I'm I really don't care because there's almost nothing that can happen. And if good hub doesn't properly cancel. My account, I can just cancel the credit card and, you know, let them come after me. [01:08:57] Right. This isn't going to happen. So then it's also called a master credit card number because it's a little safer than using your real credit card details. I also want to point out something about debit card. I went for years with no credit cards at all. Nowadays, many of my vendors will take a credit card for payment. [01:09:20] And in fact, give me a bit of a better deal. And then with the credit card, I can get 2% cash back, which I use to pay down the credit card. Right. It couldn't get any better than that, but when you're using a debit card, what I always. Is I had two accounts that I could transfer money between at the bank. [01:09:42] So I had one checking account. That was my main operating, if you will account. And then I had another checking account where I would be. Just moving money out of it. Or you could even do it with a savings account, but some banks, they only let you do so many transactions a month on a savings account. So the idea is I know that I have this much in credit card obligate while debit card obligations for this month, that money is going to be coming out. [01:10:11] So I make sure that. In the debit card account to cover the legitimate transactions I know are coming up and then I keep everything else in the other account. And then I manually transferred over every month. So that's how I dealt with the whole debit card thing. And it worked really well for me. Bottom line. [01:10:30] I think it's a really great. So there you go, who are the companies that you can use to do this? I've used some of these before all of them have worked really well. If you have a capital one credit card, they have something called Eno, E N O, and it's available to all capital one card. You know, even has an extension for your web browsers. [01:10:59] So if it notices you're on a webpage, it's asking for credit card number, it'll pop up and say, do you want me to create a credit card number or a virtual one for this websites you can make your payment. Does it get much easier than that? Citibank has something they call a virtual credit cards available to all Citibank card holders, master pass by MasterCard. [01:11:23] That's available to any MasterCard visa, American express discover Diner's club card holders, credit, debit, and prepaid cards by their way. So you might want to check that one out. Uh, yeah, so that's the only one I see on my list here. That will do it for debit cards, Masterpass by MasterCard American express checkouts, available to all American express card holders. [01:11:51] Chase pay available to all chase card holders, Wells Fargo, wallet, uh, visa checkouts, available to all visa, MasterCard, and American express and discover color card holders, credit and debit cards. Plus. Prepaid cards. Okay. So it does do the debit cards as well. Final that's all owned by Goldman Sachs and is not accepting any new applicants and entro pay. [01:12:19] Also not accepting new applicants. There's a couple online. You might also want to check out our Pyne. Premium Al buying. I'm buying a, B I N E blur premium. You might want to check that out as well. All right, everybody make sure you check me out. Craig peterson.com/subscribe. [01:12:43] We're going to wrap up how you should be using these burner identities of few more tips and tricks that are going to help keep you safe from the hackers that are out there. So here we go. [01:12:58] There are a lot of hackers out there. [01:13:01] The numbers are just astounding. The cost of these hackers coming in and stealing our information is just unbelievable. And it goes all the way from big corporations, from things like the colonial pipeline, the U S government all the way on down through you and me. I want to tell you a little story about a friend of mine. [01:13:28] He is about 75 years old and he supplements his income by driving for Uber eats and one other company. And so what he'll do is someone puts in an order for food somewhere. He'll go pick it up and then he'll drive it to where whoever wanted wanted, whoever ordered it. Now, there are. Pricing number of scams with this. [01:13:55] So he's very careful about some of that orders, a cookie, for instance, because it's usually a bit of a scam anyways, we won't get into those, but I'll tell you what happened to him. His information was stolen online as it was probably yours. Mine I know was as well. So it's all stolen. What do you do? While in his case, what ended up happening is they managed to get into his email account. [01:14:27] Once they're in his email account, they now had access to the emails he was getting from one of these companies. Now it wasn't the Uber eats guy. He was, there was another company. So let's just explain this a little bit. Uber eats sends him a request for him to go ahead and do a double. So, you know, go to the restaurant, pick it up and take it to this client's house. [01:14:54] And in order for him to register, he had to register an email address. Now, of course, he uses the same email address for everything, all of the. Now, personally, that drives me a little bit insane, but that's what he does. And he has just a few passwords. Now. He writes them down a little book and heaven forbid he ever lose the book so that he can remember them. [01:15:24] He just wants to keep his life simple. Right. He's 75. He's not technophobic, but you know, he's not up on all of this stuff. What he found was a paycheck didn't show. And it was an $800 paycheck. We're talking about real money that he should have had in his. It didn't show up. So he calls up the company and says what happened to my paycheck and their record show? [01:15:53] Yes, indeed. It had been paid. We paid you, we deposited right into your account. Just like you asked. Yeah. You know, ACH into the account. Great. Wonderful. What had happened is bad guys had gone, gained control of his email address and use that now. Because they figured, well, I see some emails in his account from this food delivery service, so, well, let's try and see if this email address that we're looking at right now. [01:16:26] All of his emails let's look and see. Okay. Yeah. Same. Email address and same password as a used ad at this email address. Yeah, it worked. Okay. Great. So now we have access to this guys food delivery account. So they changed. The bank account number now, easy enough to confirm, right. They change it and send you an email. [01:16:54] Hey, I want to make sure that it was you until the bad guys, the hackers click out, yada yada. Yeah, it was me and then delete the email. So he doesn't see it. And now his $800 paycheck. In fact, I think there were a couple of different checks is deposited directly into the bad guy's bank account and. The money of course is transferred out pretty quickly. [01:17:18] Now the, that guys, these hackers are using what are called mules. You might be familiar with that in the drug trade. They'll have a third party deliver the drugs just to mule. They don't know what all is going on. They probably know the delivering drugs in this case, most of the meals are useful idiots of which there are many in this country. [01:17:43] Unfortunate. Uh, political and otherwise. And these people are convinced that all they need to do is transfer the money into this account so that the hackers can then pull it out. And you know, now they're going to take care of their grandmother who is stuck in the hospital and they have no way to pay for it. [01:18:07] And they can't transfer the money out of the country during. That's one of the stories they use for people. And in many cases, these meals know what they're doing. The FBI earlier this year arrested a whole group of mules out in California that were purposefully transferring the money. They knew what they were doing. [01:18:28] So his money was now out of the country. No way to get it. And this food delivery company was not about to pay him. So it, isn't just the big guys it's you and me as well. So what I want to talk about right now is multi-factor authentication. Now. You guys are the best and brightest. I hope you understand this. [01:18:54] If you have questions, please reach out to me. I am more than

GROW B2B FASTER
Ep 42 - Jamal Reimer - 160+ Million Dollar of SAAS Deals Closed in his Sales Career - Learn How to Close B2B MEGA DEALS Yourself

GROW B2B FASTER

Play Episode Listen Later Oct 22, 2021 55:44


In today's episode with Jamal Reimer, VP Commercial at Saama, you will learn1. What Blue Ocean Sales Tactics are and How to Use them Effectively2. How to win B2B MEGA DEALS3. Why You Should Stop Broad-Based Email Prospecting and What to Do Instead to Win Mega DealsAbout JamalJamal has more than 30 years of experience in sales and leadership. He started selling books door-to-door and worked his way up to close multiple mega deals. After his studies at the University of North Carolina, Jamal worked as a Sales Manager for companies like Citibank, Southwestern Company, and Oracle. Over the course of his career, Jamal has closed more than $160 million in Saas revenue. Today, he works at Saama and just wrote a new book "Megadeal Secrets" coming out in December.About SaamaSaama is the #1 AI clinical analytics platform company, enabling the life sciences industry to conduct faster and safer clinical development and regulatory programs. Today, 50 biotech companies—including many of the top 20 pharmaceutical companies—use Saama's award-winning Life Science Analytics Cloud (LSAC) platform to accelerate more than 1,500 studies. LSAC's rich applications facilitate unprecedented and authoritative oversight of comprehensive clinical research data, enabling companies to file New Drug Applications (NDAs) more efficiently and bring drugs to market faster.About the host SammySammy is Managing Partner and founder of SAWOO. SAWOO helps companies with Social Marketing and Lead Generation to leverage the power of LinkedIn in a sustainable way. No spam, no bots but building real Human 2 Human connections between you and your B2B buyers.ShownotesFind Jamal on LinkedIn(https://www.linkedin.com/in/jamal-reimer/#)Reach out to Jamal via jamal@megadealsecrets.comSubscribe to Jamal's A-List to be notified, when his book "Mega Deal Secrets - How to find and close the biggest deal of your career":https://megadealsecrets.com/a-list Jamal's masterclass:(https://www.megadealsecrets.com)You can subscribe to his newsletter on this website to get informed about his book's release.Jamal's Company Saama(https://www.saama.com/)Jamal's favorite business book:"The Qualified Sales Leader" by John McMahon Jamal's favorite business leader: Steve Jobs

Supercharging Business Success
How to Expertly Navigate the Unchartered Territory of “What's Next?” Now That You're Already Successful – in Just 7 Minutes with Jaymin Patel

Supercharging Business Success

Play Episode Listen Later Oct 21, 2021 8:43


What You'll Learn From This Episode: How to continuously feel that level of excitement The "two questions' that you need to ask yourself Why the whole 'component' must come together Related Links and Resources: There's this tool called "The Diamond Path Life Mastery" that takes all of life's pieces and puts them together so that you can see how they can relate so that it can give you clarity on how to create miracles every day in your life. I usually charge 200 bucks whenever I teach it and everyone who's viewing this podcast can get FREE access to it. Go to www.jayminjpatel.com/freegift Summary: Jaymin J. Patel is a Growth Coach & Soul Mentor for High-Achievers. Business Owners, Founders, Spiritual Leaders, and celebrated Artists come to Jaymin after they've explored all the other coaches and want to explore their EDGE. In addition to being a (TEDx) speaker who has delivered 500+ paid talks and being an author of 8 books, Jaymin is a highly sought-after, heart-driven, no-fluff, intuitive coach who has been hired by powerful leaders in the spiritual & transformational communities as well as top leaders of corporations around the world like Kraft, Unilever, and Citibank. Jaymin has been invited to speak at prestigious stages like Harvard Business School, The London School of Economics, ASAE, and has consulted for high level strategy programs for national governments globally, most recently Saudi Arabia. Most importantly, Jaymin is a dad of two incredible kids and shares a beautiful conscious relationship with his wife, Eri. He and his family are currently living on the tropical island of Bali. Here are the highlights of this episode: Jaymin ideally loves to work with business owners or those who have reach some level of success in their lives and started to wonder "what's next?". They also felt like something is missing or they are not as passionate as they thought they would be when they reach that point. Jaymin wants to help these high-achievers to feel that connection of excitement for being on that place every day. The mistakes that these folks make is they would think that they need to 'create more' or 'do more' and 'do more' in order to be fulfilled. They think doing that thing that got them from where they are is going to lead them somewhere new but it doesn't. It's adding fuel to that fire to keep them in that rat race instead of leading them to a place that unlocks them to their greatest potential. People wonder "Why is it that success isn't satisfying for long" and Jaymin said that success is one of the components, so is impact, and happiness. And if you'll make that one component your full or only goal, then you're leaving so much of that full picture. And it won't be satisfying for long because your soul would be wanting to experience what life has to offer. When you see that everything relates in life and put them together, then you will reach that goal of living a life that's fully lived.  Jaymin's Valuable Free Action (VFA): Two questions to ask yourself: First Who are you being as a partner, as a parent, as a friend, as a business owner or anything that defines your top 5 roles of your life. "Who are you being right now?". The second question to ask yourself is "who do you need to be for miracles to occur as a partner, as a parent, those 5 roles of your life. When you tune in to who you are now and who you need to be for those miracles to occur, you will then reconnect to that feeling that everything is possible.

Plant Prophets
Springbig with Founder & CEO Jeffrey Harris

Plant Prophets

Play Episode Listen Later Oct 20, 2021 36:15


Springbig with Founder & CEO Jeffrey Harris today on Plant Prophets with Vern Davis only on Cannabis Radio. Springbig is no newcomer to loyalty marketing, our founders have over 20 years of experience in creating loyalty rewards programs for retail businesses. In fact, they were some of the original pioneers of retail loyalty marketing. CEO, Jeffrey Harris founded InteQ over 20 years ago, a company that took loyalty marketing from simple punch card programs in coffee shops to technologically advanced marketing tools at the forefront of some of the country's biggest companies. Companies like Adidas, Reebok, and Citi Bank. After years of experience in big-box retail, our founders saw tremendous opportunity in the underserved cannabis industry and decided to bring advanced loyalty programs, an essential marketing tool in such a competitive industry, to cannabis dispensaries and brands.

In The Growth Space
Ep. 58 The Lessons of Formula 1 on Teamwork, Growth, and Performance with Ken Pasternak

In The Growth Space

Play Episode Listen Later Oct 18, 2021 47:42


For this week, our guest is Ken Pasternak. He is an author, consultant, and keynote speaker who focuses on building high-performance organizations through visionary leadership, team effectiveness, creating a winning culture, and improving cross-cultural understanding. Ken has held leadership positions at Citibank and the European Bank for Reconstruction and Development. And in March 2019, he was selected to join the Marshall Goldsmith's 100 Coaches Global Movement.    Also called the “Indiana Jones of Cultural Adventures,” Ken has recently published his book Exploding Turkeys and Spare Trousers: Adventures in Global Business. He is also the co-author of Performance at the Limit: Business Lessons from Formula 1 Motor Racing, which also became the inspiration for the BBC World Television series Formula for Success.   Check out https://www.davidmcglennen.com/podcast for links, transcript, and more details Ken's Website: https://www.kppasternak.com/ Exploding Turkeys and Spare Trousers: Adventures in Global Business Paperback: http://getbook.at/ETASP Audiobook (narrated by Ken) https://adbl.co/3dsVxm4 eBook: http://getbook.at/ETAST-eb

World of Marketing
World of Marketing 96: Marketing Your Voice

World of Marketing

Play Episode Listen Later Oct 7, 2021 28:00


You might've heard Susan Berkley's voice before because she's the signature voice of AT&T and the branded telephone voice of Citibank. She's our guest this week on the World of Marketing and she's here to tell you about the world of voice acting and how she made it big. She'll also tell you about the power of your voice, and the 4 vocal influence types. Tune into this episode and maybe you learn yours. In this episode we cover: The 4 vocal influence types How to get into voiceover work Susan's story and how she made it big The craziest voiceover gig Susan ever did Susan's biggest marketing mistake   0:00 Introduction 2:49 The 4 vocal influence types 7:55 Getting into the voiceover business 11:48 The craziest voiceover gig Susan ever did 13:23 Financial viability of voiceover 16:45 How to get started in voiceover 18:29 Susan's biggest marketing mistake 22:17 Masters of the spoken image

Investor Connect Podcast
Investor Connect - 622 - Kareem Elsirafy of Modus Capital

Investor Connect Podcast

Play Episode Listen Later Oct 7, 2021 17:21


In this episode, Hall welcomes Kareem Elsirafy, Managing Partner at Modus Capital.Modus Capital is a global venture capital and venture builder firm that combines the operational and financial capital needed to build ideas into scalable and sustainable tech companies. Modus Capital partners with founders, emerging startups, and corporates to transform innovative ideas into venture-backed businesses.  Founded in 2016, they have offices in New York, Cairo, Dubai, and Abu Dhabi. Their team consists of international experts spanning across six countries and four continents, bringing together marketers, developers, designers, and operators.  Kareem is a seasoned entrepreneur and investor with extensive strategic and operating experience in early-stage tech. Having dedicated almost two decades of his career toward technological solutions for business and social complications, Kareem believes in the power of technology to drive positive returns for social impact and business initiatives. Kareem is a United States Marine Corps veteran and holds multiple degrees from Columbia University including BAs in Political Science, Economics, and Middle Eastern Studies, and an Executive MBA in Technology Management from Columbia as well. Most recently, Kareem held executive roles at various NYC-based companies providing strategic advisory and execution for various public institutions including the U.S. Departments of Veterans Affairs and U.S. Departments of State, in addition to notable private corporations such as Google, MetLife, IMG, Ally Bank, Pepsi, and Citibank. In 2011, Kareem co-founded and built Uniteus.com, a network care coordination SaaS platform that initially helped military veterans transition to civilian life and expanded to the entire U.S. Health and Human Services industry raising over $195.3 M in total capital at a $1.65 BN valuation. Kareem also founded M1 Marketing Firm in 2007 which exited for 22x in 2009. Kareem discusses his investment thesis and how the VC industry is evolving in the Middle East and North Africa. He advises startups and investors and shares some of the challenges they face. You can visit Modus Capital at , via LinkedIn at , and via Twitter at .  You can contact Kareem via email at , via LinkedIn at , and via Twitter at .  For more episodes from Investor Connect, please visit the site at:    Check out our other podcasts here:   For Investors check out:   For Startups check out:   For eGuides check out:   For upcoming Events, check out    For Feedback please contact info@tencapital.group   Please subscribe, share, and leave a review. Music courtesy of .

VO School Podcast
Episode 64 - Working Pros Panel eVOcation 2021

VO School Podcast

Play Episode Listen Later Oct 6, 2021 54:06


This week on the VO School Podcast we are listening in on the Working Pro's panel from eVOcation 2021, sponsored by Voice123. eVocation is a conference devoted to the business of voiceover. This was one of the most popular events from the weekend and is a regular feature at the conference. This superstar panel is comprised of four hugely successful voice talents, who between them cover a wide range of VO genres. Hosting the panel is eVOcation co-chair and successful voice talent in her own right, Carin Gilfry. Find out how this esteemed panel climbed the VO ladder, what their advice for those looking to enter the business is, how to get out of a career slump, how and when to seek out representation, finding your niche, and much more. Christian Lanz is a Mexican-Chilean Voice Actor, Disney Villain, EMMYS Announcer, 6-Time Voice Arts Award Winner, Golden Trailer Nominee, and is known for roles in Elena of Avalor, Coco, Call of Duty, Cyberpunk 2077, Lego DC Batman, American Dad and Spy Kids. Tre Mosely's voice has been heard in promos on Comedy Central, corporate narration for Jeep and Pfizer, on the field at the University of Florida, and on various commercials across the country. He voices promos for Major League Baseball, and voices DJ Tre Mo' in the Superstar KO Mode for Madden 20/21. Tish Hicks is the founder and Master Sensei of the V.O. Dojo. She has been a highly successful L.A. voiceover artist for over 15 years and is as smart, down-to-earth and nurturing as her signature voice. She has been the voice of countless campaigns, including Citibank for six years. Recent clients include Subaru, GTA5, TCM, Pop‑Secret, and Stinky & Dirty. Maria Pendolino is an award-winning professional female voice actor. Maria has been an industry professional for more than fifteen years, Maria's voiceover style is real, conversational, authentic, natural, friendly, relatable and sassy. Trained in musical theatre, film, television and voice, Maria's accolades include winning the 2017 and 2018 Voice Arts Award for Best Voiceover Performance in the e-learning and consumer sales video categories. She was also nominated in the radio imaging category. She is the founder of Millennial Voiceover and Blue Wave Voiceover. Voice123 (https://Voice123.com) is the world's first and largest marketplace for professional voice actors, and it has always been our endeavor to craft the future of the voice over industry. Check out our latest content hub for voice actors, The Booth https://voice123.com/thebooth. As a VO School listener, we're giving you $50.00 USD off to access our premium memberships! New sign ups and upgrades only. Visit voice123.com/plans/voschool today to get started. Terms and conditions apply https://voice123.com/thebooth/voice-over-events/voschool-terms-and-conditions/ See the link for more details. Requiring further support? E-mail us at help@voice123.com. Social Media Handles Facebook: https://facebook.com/voice123 Twitter: https://twitter.com/voice123 LinkedIn: https://www.linkedin.com/company/voice123 Instagram: https://www.instagram.com/voice123/

The AlphaMind Podcast
Brent Donnelly: Alpha Trader - The Mindset, Methodology and Mathematics of Professional Trading

The AlphaMind Podcast

Play Episode Listen Later Oct 5, 2021 82:16


Brent Donnelly has been in and around trading for close to 3 decades and has held major trading roles at investment banks and hedge funds with a strong emphasis on the FX and Global Macro, where he has been involved in both market-making and proprietary roles. Brent started trading in 1995 and has worked at several illustrious firms in the markets, including Citibank, Merrill Lynch, Royal bank of Canada, Lehman Brothers, Graham Capital, Nomura Bank and HSBC. Since 2004 Brent has been writing a brilliant free daily newsletter on the markets called AM/FX – This newsletter is read widely by professional traders across the world inside Investment banks, Hedge Funds, Asset Management Firms, and Even Central banks. Brent has also authored two books: The Art of Currency Trading and his most recent book, Alpha Trader: The Mindset, Methodology and Mathematics of Professional Trading. In this interview Brent tells us about AlphaTrader and talks extensively about trading, markets and what he believes it takes to be a successful trader. This interview pulls back the curtain somewhat on what it's like to be a professional trader, and some of the challenges pro-traders face as they seek to battle the markets within a high pressured trading room environment. You can find out more about Brent on his personal website: http://brentdonnelly.comAlso visit Brent's new venture Spectra Markets, where you can sign up for his free AM/FX Newsletter: https://www.spectramarkets.comYou also follow Brent on Twitter at https://twitter.com/donnelly_brent

School Growth Mastery
The Unique EdTech Business Models Coming Out of Europe, with Benoit Wirz

School Growth Mastery

Play Episode Listen Later Oct 4, 2021 37:51


Our guest today is Benoit Wirz, a partner at Brighteye Ventures, the leading European EdTech venture firm.In this episode, we talk about the evolving EdTech landscape in Europe as well as the unique attributes of rising European education companies.Here are some resources mentioned in our discussion:Citibank study citing the Edtech Opportunity Gap - https://www.citifirst.com.hk/home/upload/citi_research/eduAXO97.pdfYouSchool - http://youschool.frKlassroom - https://klassroom.frBrighteye Ventures open roles - https://www.brighteyevc.com/open-rolesWhere to learn more about Benoit:Linkedin - https://www.linkedin.com/in/benoitwirz/Website - https://www.brighteyevc.com/Where to learn more about Enrollhand:Website: www.enrollhand.comOur webinar: https://webinar-replay.enrollhand.comOur free Facebook group: https://www.facebook.com/groups/schoolgrowth/

Audio Arguendo
USCA, Second Circuit Citibank v. Brigade Capital, Case No. 21-487

Audio Arguendo

Play Episode Listen Later Sep 30, 2021


The Money Show
Treasury well on its way to rein in debt as it records its first budget primary surplus in three years. Investment School - Technical vs Fundamental investing

The Money Show

Play Episode Listen Later Sep 28, 2021 76:57


Gina Schoeman, economist at Citi Bank explains the budget primary surplus and what led to the Treasury achieving it. Then Bruce Whitfield speaks to the founder of the Sigmund Project, Alan Elliott Merschen on how the platform is revolutionizing the global tourism industry. And Petri Redelinghuys, founder at Herenya Capital Advisor decodes  the difference between technical and fundamental investing See omnystudio.com/listener for privacy information.

Songcraft: Spotlight on Songwriters
Ep. 176 - LP ("Lost on You")

Songcraft: Spotlight on Songwriters

Play Episode Listen Later Sep 27, 2021 78:08


SUMMARY:Our guest on this episode of Songcraft is genre-bending singer, songwriter, artist, and international sensation LP. She joins us to chat about everything from writing Rihanna's double platinum Top 10 single “Cheers (Drink to That), to her own artist career which has yielded classics such as “Lost on You” (which reached #1 in 18 countries), to her much-anticipated upcoming sixth studio album, Churches.  PART ONE:Scott and Paul don't hold back on their feelings about Rolling Stone's recently revised "500 Greatest Songwriters of All Time" list. PART TWO:Our in-depth interview with LPABOUT LP:Born Laura Pergolizzi on Long Island, New York, the singer, songwriter, and artist now known as LP got her start with a pair of impressive independent album releases before landing a deal with Island Records. While that album was never completed, “Love Will Keep You Up All Night,” one of the songs she wrote for the project, was recorded by The Backstreet Boys on their Unbreakable album in 2007. Inspired to write for other artists, LP went on to have cuts such as “Shine Ya Light,” a Top 10 hit for Rita Ora in the UK, and “Cheers (Drink to That),” a Top 10 double platinum single for Rihanna in the US. The wide range of other artists who've recorded her songs includes Heidi Montag, Christina Aguilera, Jo Walsh, Leona Lewis, Cher, and Celine Dion. LP rediscovered the joy of writing songs for herself with “Into the Wild,” which was used in a Citibank commercial. She signed with Warner Bros. and recorded the Forever For Now album, which featured collaborations with writers such as Claude Kelly, Billy Steinberg, and Isabella Summers from Florence and the Machine. She moved on to Vagrant Records for the Lost on You album, with a title track that has garnered over 455 million listens on Spotify, over 750 million views on YouTube, and chart-topping status in nearly 20 countries. Truly an international sensation, LP continued to gain attention for songs such as “Girls Go Wild” from her Heart to Mouth album, and has already released a handful of songs, including “The One That You Love,” “How Low Can You Go,” and “One Last Time” from her forthcoming release, Churches, which will be available this December.  

Goodbye Glam Squad - the Erika Jayne Girardi Scandal
Tom Girardi's Dozens of Secret Bank Accounts Possibly Hiding Millions: Erika Jayne

Goodbye Glam Squad - the Erika Jayne Girardi Scandal

Play Episode Listen Later Sep 27, 2021 17:44


Opps! - Tom Girardi Forgot to Tell the Bankruptcy Trustee about his alleged millions in secret bank accounts. In the latest development in the RHoBH's most lied-about saga, we have the Girardi's again demonstrating their particular brand of truth. The lawyer investigating the law firm's bankruptcy says he found the mystery bank accounts that may contain millions to help pay back his victims. According to court documents obtained by Radar, the trustee presiding over Girardi's involuntary Chapter 7 case is asking for permission to obtain records from Chase and Citi Bank. The bankruptcy trustee's lawyer, Ronald Richardson, says the accounts “may lead to additional information which will not only help me have a clearer picture of the Debtor's financial history, but may also help me determine whether any of the Debtor's assets have been wrongfully diverted." Want to support our work? You can buy us a coffee for  $5. We would really appreciate your help. You cn aleo review us on itunes, please. Plus we are in lockdown hell.  https://www.buymeacoffee.com/goodbyeglam    Contact us: Twitter @goodbyeglam @ohreallytruly  Facebook: https://www.facebook.com/groups/3816530948397371/?ref=share   Instagram @goodbyeglamsquad    

The Money Show
New corruption report exposes continued rot in public and private sectors. Consumer price inflation heats up to 4.9% in August, up from 4.6% in July 2021.

The Money Show

Play Episode Listen Later Sep 22, 2021 80:09


Melusi Ncala, researcher at Corruption Watch explains the extent of corruption in the country. Gina Schoeman, senior economist at Citi Bank talks about the rising inflation rate, which has now surpassed the Reserve Bank's midpoint target range of 4.5% . Then Deon Geyser, CEO of Liquide Intelligent Technologies is our Shapeshifter See omnystudio.com/listener for privacy information.

Elevate Your Brand
Elevate Your Brand with Alice Chen of Seltzer Revolutions

Elevate Your Brand

Play Episode Listen Later Sep 16, 2021 29:11


With an M&A legal background, Alice Chen is a well-recognized founder who has grown a business from 0 to 7 or 8 figures six times across industries. Her pedigree includes Top 40 Under 40, CitiBank's Global Family Office Leadership Program, and an exit to PWC. Inspired by her own consumer desire to easily access clean, gluten-free, low-sugar, low-calorie and portable canned drinks, Alice and her co-founding team set out on a mission to deliver and share the most delicious craft tequila seltzer with you.Laurel Mintz, founder and CEO of award-winning marketing agency Elevate My Brand, explores some of the most exciting new and growing brands in Los Angeles and the US at large. Each week, the Elevate Your Brand podcast features an entrepreneurial special guest to discuss the past, present and future of their brand.

Vietnam Innovators
#4 Sakshi Jawa, Former Chief People Officer, Tiki

Vietnam Innovators

Play Episode Listen Later Sep 14, 2021 71:47


Sakshi Jawa was the General Manager of Human Resources at Tiki Corporation- “The best working environment in Asia” nominated by HR Asia and currently has been a CEO and Founder at startup company - Oi. She is the one behind Tiki's recent phenomenal expansion in employment. With years of experience working for major global companies such as Amazon, Citibank, and Prudential, Sakshi Jawa shares with us how to build a corporate culture in the field of technology and e-commerce. From her perspective, innovation stems from the smallest things and HR management experts are those who have extensive knowledge in a variety of areas.Tune in to this podcast episode with host Daan van Rossum - CEO Dreamplex to find out the reason why Sakshi decided to work for Tiki and her valuable experiences on the journey bringing professional opportunities to talents around the world.Connect with startup oi on LinkedIn: https://www.linkedin.com/company/startup-oi/

Tcast
Data Transparency and Governance Strategy for Financial Industry - Special Guest: Linda Powell

Tcast

Play Episode Listen Later Sep 8, 2021 41:35


One central aspect in Linda's career is the importance of data analytics. When it comes to data as an asset, plenty of different entities can claim ownership to it: financial institutions, vendors, banks, and even the government. With so much data going around, it's important to know where the data is coming from, how to process it into useful information, and how it can be centralized in a way that it can be used by more parties in more projects.   How Do We Preserve Repositories of Skills and Knowledge? The finance sector is working on capturing processes of knowledge into analytical models. As data enters these models, technology can work on computing this information and laying out analyses for us in a more efficient manner. This gives two benefits: first, the process of computing this information is not lost. Second, computing is done more efficiently. There is no need to return to square one when a longtime employee vacates a position. Here, Linda makes several parallels between retail and finance using labels for canned goods as an example. Due to incredibly small margins in retail, it's important for canned goods to be transparent about the content and process involved in making this product. This is because it serves as their competitive edge.  If financial institutions were also as concerned about being transparent, then it would make maneuvering financial markets more efficient. According to Linda, the biggest problem that financial institutions had when dealing with the crash of Wall Street was in being able to uniquely identify institutions. When the Lehman brothers crashed, she described everyone to have “held their breath for about 48 hours while transactions settled, because nobody knew who all of the subsidiaries of Lehman were and they didn't know how to uniquely identify.” With such a catastrophic experience institutions can and should learn from, she is optimistic that the benefits of data standards will be observed and acknowledged by institutions.   Holding The Front Line: Linda perceives her previous work on the board of governors of the Federal Reserve as similar to being a medic. “I was the medic who, once the wounding was happening and people were like, hey, I need to find out this piece of information. And then we would figure out how to cobble some stuff together, look at things in a different way or produce some different sets of information. It was absolutely fascinating,” she explained. In efforts to learn from the collapse of the Lehman brothers and ensure that it does not happen again, big banks are investing plenty of money in data management infrastructure so that they can get precise and accurate reporting on where they stand. This faster and more efficient flow of data can help financial institutions preemptively deal with ebbs and flows in the market, instead of scrambling to react.   The Way Forward: When working on the projects, Linda noticed that her team members had to take data from several different databases before they could piece together a clear picture of the companies they needed to look at and the identifiers they needed to study.  This inspired her to create an integrated database where all government and vendor data, their unique identifiers, and the legal entity identifier were stored. From stock prices to bond prices and financial statement information, this served as a reusable launching point for future projects that everybody in the organization could access. It allows individuals to free up more time working on different aspects of future projects, which makes the entire process more efficient, resources more available, and human labor more open to higher-tier aspects of work such as algorithms. This is called the economies of scale. That's three benefits: resource efficiency, economies of scale, and ready to deploy at any time.  One challenge of implementing this change is convincing people to change their mindset from making sure that they get the task done in the easiest, most efficient way for themselves; to finding ways to get the task done while giving the next people who will be using this data the opportunity to use it in the most efficient way — even if it can be a bigger challenge upfront.  It's encouraging people to look beyond merely making unique personal identifiers to data sets so that they can get the job done instead of finding a standardized identifier for the information and then applying it.  “It's taking the larger view of things, of how do I make things more efficient for the entire ecosystem, so that we can do things that we currently can't do at all?” Linda asks.   Closing Thoughts: Setting Up The Data Hierarchy of Needs: According to Linda, it's human nature to get excited about big and lofty goals like machine learning and artificial intelligence. However, the root of any successful and sustainable effort is found in learning how to target and harness one's data. While achieving enlightenment in finance is possible, it would be difficult for people and businesses to scale the process effectively because they have to start from square one every single time.  So, when you think of the data you handle and how it can be a part of something greater with a little extra effort upfront — how much is your data worth? www.tartle.co   Data Transparency, Finance, and Governance with Linda Powell, Global Head of Data Strategy, Governance, and End User Computing at Citibank by TARTLE is licensed under CC BY-SA 4.0   Tcast is brought to you by TARTLE. A global personal data marketplace that allows users to sell their personal information anonymously when they want to, while allowing buyers to access clean ready to analyze data sets on digital identities from all across the globe.   The show is hosted by Co-Founder and Source Data Pioneer Alexander McCaig and Head of Conscious Marketing Jason Rigby.   What's your data worth?   Find out at: https://tartle.co/   YouTube: https://www.youtube.com/c/TARTLE   Facebook: https://www.facebook.com/TARTLEofficial/   Instagram: https://www.instagram.com/tartle_official/   Twitter: https://twitter.com/TARTLEofficial   Spread the word!

The Glenn Beck Program
While the World Was Distracted … | Guest: Nigel Farage | 8/30/21

The Glenn Beck Program

Play Episode Listen Later Aug 30, 2021 124:56


Glenn returns to the studio with an update on Afghanistan. A mother of a fallen soldier had a scathing message for President Biden. Glenn reviews just how messy the Afghanistan withdrawal has been. A U.S. Marine officer resigned after criticizing his senior leaders for allowing his fellow service members to “die in vain.” Former European Parliament member Nigel Farage joins with his take on how Biden's Afghanistan fail has ruined his relationship with Great Britain. While the world was distracted, Big Tech and Citibank have targeted three big dissenters in a fashion akin to the Great Reset. Glenn gives advice to Americans and allies left in Afghanistan. Glenn confirms: The Tesla Model S Plaid really is “beyond ludicrous.” Learn more about your ad choices. Visit megaphone.fm/adchoices

The Glenn Beck Program
Best of The Program | Guest: Nigel Farage | 8/30/21

The Glenn Beck Program

Play Episode Listen Later Aug 30, 2021 38:30


Glenn returns to the studio from the Middle East. A U.S. Marine officer resigned after criticizing his senior leaders for allowing his fellow service members to “die in vain.” Former European Parliament member Nigel Farage joins with his take on how Biden's Afghanistan fail has ruined his relationship with Great Britain. While the world was distracted, Big Tech and Citibank have targeted three big dissenters in a fashion akin to the Great Reset. Learn more about your ad choices. Visit megaphone.fm/adchoices

Social Capital
331: More Than A Logo: Telling Your Story Through Branding - with Katie Dooley

Social Capital

Play Episode Listen Later Aug 25, 2021 19:39


Meet Katie Katie is the founder of Paper Lime Creative, a branding, and design agency in Edmonton. Her love of design and art took shape and a young age and since then she has been soaking in as much knowledge about art, business, and design as she can. She takes the time to listen to people's unique stories and goals to deliver stand-out work. It's one of many reasons why Paper Lime Creative is known as a collaborative design agency. What is branding and why is it important? I define branding as every interaction people have with your business. So there's often a misconception that your logo is your brand, but it's actually a lot more than that. So it's our job at Paper Lime Creative to make sure that those touchpoints that your clients have with your business are impactful and meaningful and get you the right customers to serve. How does a business owner start that branding process? We recommend that business owners start that process by figuring out who they want to work with and who that ideal customer is and what that ideal customer is buying so you can put the right time and effort into marketing the right product or service that you have and marketing it to the right people because that's where you'll get the biggest returns on your branding. How can branding help networking? Branding can help your networking because it helps you know where to go. I have a great client story for this. I was working with a good friend of mine on really defining her ideal customer. We realized all of her customers were the same type of person, they all dress the same and I joked that I realized that they all have really well-kept beards. So now when she goes to a networking event, she can go and physically find those people. She knows what they look like and chances are they'll be in an industry that she can work with.  So really understanding your customers is important, right? Absolutely because then she can know what networking events to go to or where to show up online for networking. Like you were talking about LinkedIn in your intro and then to know what people to introduce herself to in those events. It saves you so much time. Obviously building relationships and just growing your network is important, but if you're looking to convert someone to a client from a networking event, knowing who to walk up to and introduce yourself is really important. Can you share the story behind the name of your business? I say it's our fresh and fun approach to print design and branding. So my background started in print design and then it evolved into everything else because you can do quite a bit with print design, but you can help your client way more when you understand the brand strategy behind it. Can you share one of your favorite networking stories or experiences that you've had? I think my favorite networking experiences are when you realize how small it all is. The six degrees of separation, which I think they're saying is more like three or four. I had one actually where an old friend of mine that I hadn't seen or heard from in years had actually married someone that I was actively networking with. I found out after the fact, which and I was like, "I didn't realize you were married to her!" We worry so much about getting business or meeting people or having to be extroverted and put ourselves out there. But it's all about relationships at the end of the day and I think some of those fun coincidences make life so interesting. How do you stay in front of and best nurture your network and your community? On an ongoing basis, I track who I network with, and be sure to send follow-up emails or book follow-up coffee dates. I think it's just making a part of your regular schedule. I always have some sort of networking event or a one on one coffee booked with someone in my calendar. It's just a part of doing business and I can't imagine a week where there isn't something in there. What advice would you offer your business professionals who are really looking to grow their network? I would say try something new. I think we can get really comfortable with what our networking routine looks like and that's great, especially to build those long-term relationships. But to put yourself into a new market or into a new experience can be really valuable. Everyone moving to online meetings because of COVID has been super beneficial from a networking perspective because now you can visit a networking group wherever. I've been to networking groups in Europe while in Canada and it's really limitless now. So I think if you're wanting to grow just try something new. As for me, joining a charity board is something I've never done, but have thought about getting exposed to a new group of people. If you could go back to your 20-year-old self, what would you tell yourself to do more or less of or differently with regards to your professional career? I probably would have told my 20-year-old self to network. I didn't start out working till I was 25 or 26. So definitely more of that and I would also tell me to stop doubting myself. I think once you get into your business, you realize that nobody really knows what they're doing. Everyone's learning and growing as they go, and no one's 100% ready for the next step. You brought up the six degrees of separation. Who would be the one person that you would love to connect with and do you think you could do it within the sixth degree? I have always wanted to meet Paula Scher from Pentagram. She is most well known for designing the Citibank logo and the Boston More Than a Feeling album cover. She's a phenomenal graphic designer, and I totally think I could. I don't know what those six degrees are, but I have emailed her assistant and even though I got a no, it was still a good step. I think my next step would be going through a line of other industry designers because I probably know a designer who knows her and could maybe try that angle. You have an offer to share with our listeners, right? I do! On the Paper Lime Creative website piperlime.ca, we have a free brand audit that you can download and it goes through all the different parts of your brand. So it's a great tool to use and we recommend doing it every two or three years. Brands are always growing and changing and it's never a one and done with your brand. So if you want to take a look and review your brand, check out that free download. Do you have any final word or advice to offer our listeners with regards to growing and supporting your network? Be yourself and get curious about other people and it all falls into place after that.   Connect with Katie   Email: katie@paperlime.ca  Website: https://paperlime.ca/  Instagram: @paperlimecreative LinkedIn: https://www.linkedin.com/company/paper-lime-creative/  Facebook: https://www.facebook.com/PaperLimeCreative/