Podcast appearances and mentions of David Good

Why the world needs less AI and better programming languages. Decades ago, we believed that robots and computers would take over all the boring jobs and drudgery, leaving humans to a life of leisure. This hasn't happened. Instead, humans are still doing boring jobs, and even worse, AI researchers have built technology that is creative, self-aware, and emotional—doing the tasks humans were supposed to enjoy. How did we get here?  In Moral Codes: Designing Alternatives to AI (MIT Press, 2024), Alan Blackwell argues that there is a fundamental flaw in the research agenda of AI. What humanity needs, Blackwell argues, is better ways to tell computers what we want them to do, with new and better programming languages: More Open Representations, Access to Learning, and Control Over Digital Expression, in other words, MORAL CODE. Blackwell draws on his deep experiences as a programming language designer—which he has been doing since 1983—to unpack fundamental principles of interaction design and explain their technical relationship to ideas of creativity and fairness. Taking aim at software that constrains our conversations with strict word counts or infantilizes human interaction with likes and emojis, Blackwell shows how to design software that is better—not more efficient or more profitable, but better for society and better for all people. Covering recent research and the latest smart tools, Blackwell offers rich design principles for a better kind of software—and a better kind of world. Alan F. Blackwell is Professor of Interdisciplinary Design in the Cambridge University department of Computer Science and Technology. He is a Fellow of Darwin College Cambridge, cofounder with David Good of the Crucible Network for Research in Interdisciplinary Design, and with David and Lara Allen the Global Challenges strategic research initiative of the University of Cambridge. Dr. Michael LaMagna is the Information Literacy Program & Library Services Coordinator and Professor of Library Services at Delaware County Community College. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/critical-theory

Why the world needs less AI and better programming languages. Decades ago, we believed that robots and computers would take over all the boring jobs and drudgery, leaving humans to a life of leisure. This hasn't happened. Instead, humans are still doing boring jobs, and even worse, AI researchers have built technology that is creative, self-aware, and emotional—doing the tasks humans were supposed to enjoy. How did we get here?  In Moral Codes: Designing Alternatives to AI (MIT Press, 2024), Alan Blackwell argues that there is a fundamental flaw in the research agenda of AI. What humanity needs, Blackwell argues, is better ways to tell computers what we want them to do, with new and better programming languages: More Open Representations, Access to Learning, and Control Over Digital Expression, in other words, MORAL CODE. Blackwell draws on his deep experiences as a programming language designer—which he has been doing since 1983—to unpack fundamental principles of interaction design and explain their technical relationship to ideas of creativity and fairness. Taking aim at software that constrains our conversations with strict word counts or infantilizes human interaction with likes and emojis, Blackwell shows how to design software that is better—not more efficient or more profitable, but better for society and better for all people. Covering recent research and the latest smart tools, Blackwell offers rich design principles for a better kind of software—and a better kind of world. Alan F. Blackwell is Professor of Interdisciplinary Design in the Cambridge University department of Computer Science and Technology. He is a Fellow of Darwin College Cambridge, cofounder with David Good of the Crucible Network for Research in Interdisciplinary Design, and with David and Lara Allen the Global Challenges strategic research initiative of the University of Cambridge. Dr. Michael LaMagna is the Information Literacy Program & Library Services Coordinator and Professor of Library Services at Delaware County Community College. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science

Why the world needs less AI and better programming languages. Decades ago, we believed that robots and computers would take over all the boring jobs and drudgery, leaving humans to a life of leisure. This hasn't happened. Instead, humans are still doing boring jobs, and even worse, AI researchers have built technology that is creative, self-aware, and emotional—doing the tasks humans were supposed to enjoy. How did we get here?  In Moral Codes: Designing Alternatives to AI (MIT Press, 2024), Alan Blackwell argues that there is a fundamental flaw in the research agenda of AI. What humanity needs, Blackwell argues, is better ways to tell computers what we want them to do, with new and better programming languages: More Open Representations, Access to Learning, and Control Over Digital Expression, in other words, MORAL CODE. Blackwell draws on his deep experiences as a programming language designer—which he has been doing since 1983—to unpack fundamental principles of interaction design and explain their technical relationship to ideas of creativity and fairness. Taking aim at software that constrains our conversations with strict word counts or infantilizes human interaction with likes and emojis, Blackwell shows how to design software that is better—not more efficient or more profitable, but better for society and better for all people. Covering recent research and the latest smart tools, Blackwell offers rich design principles for a better kind of software—and a better kind of world. Alan F. Blackwell is Professor of Interdisciplinary Design in the Cambridge University department of Computer Science and Technology. He is a Fellow of Darwin College Cambridge, cofounder with David Good of the Crucible Network for Research in Interdisciplinary Design, and with David and Lara Allen the Global Challenges strategic research initiative of the University of Cambridge. Dr. Michael LaMagna is the Information Literacy Program & Library Services Coordinator and Professor of Library Services at Delaware County Community College. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/politics-and-polemics

Why the world needs less AI and better programming languages. Decades ago, we believed that robots and computers would take over all the boring jobs and drudgery, leaving humans to a life of leisure. This hasn't happened. Instead, humans are still doing boring jobs, and even worse, AI researchers have built technology that is creative, self-aware, and emotional—doing the tasks humans were supposed to enjoy. How did we get here?  In Moral Codes: Designing Alternatives to AI (MIT Press, 2024), Alan Blackwell argues that there is a fundamental flaw in the research agenda of AI. What humanity needs, Blackwell argues, is better ways to tell computers what we want them to do, with new and better programming languages: More Open Representations, Access to Learning, and Control Over Digital Expression, in other words, MORAL CODE. Blackwell draws on his deep experiences as a programming language designer—which he has been doing since 1983—to unpack fundamental principles of interaction design and explain their technical relationship to ideas of creativity and fairness. Taking aim at software that constrains our conversations with strict word counts or infantilizes human interaction with likes and emojis, Blackwell shows how to design software that is better—not more efficient or more profitable, but better for society and better for all people. Covering recent research and the latest smart tools, Blackwell offers rich design principles for a better kind of software—and a better kind of world. Alan F. Blackwell is Professor of Interdisciplinary Design in the Cambridge University department of Computer Science and Technology. He is a Fellow of Darwin College Cambridge, cofounder with David Good of the Crucible Network for Research in Interdisciplinary Design, and with David and Lara Allen the Global Challenges strategic research initiative of the University of Cambridge. Dr. Michael LaMagna is the Information Literacy Program & Library Services Coordinator and Professor of Library Services at Delaware County Community College. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science-technology-and-society

Aloha and welcome to The Mission North Shore's podcast. This week we look at David attempting to move the Ark of the  Covenant to Jerusalem and discovering that good intentions are not a substitute for obedience to Gods word. God bless and have a great week!

Interested in learning more about the Yanomami Peoples? Join Rupesh Patel as he explores the extraordinary journey and life of David Good and his Yanomami family. David is an emerging microbiome researcher and has spent time living with his Yanomami family in the Amazon rainforest in hopes of understanding their way of life and researching their microbiome. Learn about the Yanomami culture, their unique way of life, and how David Good is working to protect their rights and preserve their traditional knowledge. Yanomami Foundation: www.yanomamifoundation.org -- David Good was born on November 2, 1986 at the Bryn Mawr hospital in Bryn Mawr, Pennsylvania. He attended East Stroudsburg University of Pennsylvania where he received his undergraduate and master's degree in biology. He is a member of the Explorers Club, a visiting scholar at Rutgers University, and teaches at Northampton Community College of Pennsylvania. As a Yanomami-Venezuelan-American, his ambitions lie in establishing dialogue, service, and cultural interchange for the Yanomami and the rest of the world.

Readings here

Welcome back to our weekend Cabral HouseCall shows! This is where we answer our community's wellness, weight loss, and anti-aging questions to help people get back on track! Check out today's questions:    Buffie: Hi. I have been diagnosed with a uterine fibroid (10mm by 7 mm). I am a 51 year old woman and am approaching menopause. Is there any certain test or lab you recommend that I complete? I'm not sure where to start with this. Also, do you have any dietary recommendations? I eat mostly a plant-based diet, but do have chicken or beef on occasion (I don't like fish at all). I only recently found you on YouTube and have been listening/watching your show as much as possible.   J.M.: Hi Dr. Cabral! Firstly, thank you for everything that you do - your podcast has helped me so much and I always recommend my fmaily and friends listen to you to get their queries on their health answered. I have experienced very mild hair loss that I noticed after a very stressful time in my life, my trichologist advised I had telogen effluvium however it was combined with redness, scaling and itchy symptoms. my dermatologist suggested some creams/ointments/shampoos etc to try first. Eventually (this being approximately 2 years ago) symptoms went away and I assumed it was a bout of inflammation due to stress. Now it has returned so I decided to go through with the biopsy and it showed i have Lichen Planopilaris. Can you shed light on how i can manage this condition and prevent hair loss   Jasmine: Hi Dr. Cabral! First of all, thank you so much for all the free knowledge you provide to the world. I feel so empowered to take on health issues autonomously because of you and the information and trustworthy products you provide. My question is about topical retinol skincare products. These can be OTC or prescribed by a derm, which would namely be Tretinoin. I have seen so many people have incredible results with retinol/vit-a derivatives. It almost seems too good to be true. What are the side effects, if any? Is it safe to use? Thank you!   Emma: Hi Dr Cabral Thank you so much for everything you do! My question is regarding the DUTCH hormone test. I have heard you say that you don't use it, and that it isn't as reliable as the saliva test, which I completely understand and respect. However I hear many functional medicine practitioners and doctors who do use it say why they love it, and the main reason being that they can see which pathways certain estrogens are going down (2OH, 4OH, 16OH) Eg- they may see that E1 and E2 are going down the 4OH pathway (being associated with DNA damage and breast cancer) and methylation. Isn't there benefit of knowing that information to then dive deeper into why that's happening as opposed to the saliva test which doesn't show that information? Thank You!   David: Good morning, I'd like to get some info on using Serrapeptase for reducing high blood pressure. Thank you.   Chris: Hi doctor Cabral. Absolutely love anything you are doing for the world. I just have a question regarding silica dust. I work in construction and although I do everything I can to prevent inhaling the dust, it is extremely hard to keep myself from breathing in some dust every day. I know how deadly silicosis can be and was wondering if there were ways that I could help rid the body of any built up silica dust in my lungs? I was also wondering if there was a lab/test that would indicate if I had high levels of silica in my body? Thanks for everything you do   Thank you for tuning into today's Cabral HouseCall and be sure to check back tomorrow where we answer more of our community's questions!    - - - Show Notes and Resources: StephenCabral.com/2675 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!  

The Yanomami people of the Amazon rainforest are one of the last Indigenous groups living as hunter-gatherers and small-scale farmers. They also have the most diverse gut microbiome of any community studied in the world.

1. The Grievous Report 2. The Godly Response a. David's sorrow 2 Samuel 1:11-12 The more we love, the more we grieve. b. David's standard (vv. 13-16) (1) Words designed to please people will eventually hurt you, not help you. (2) A godly person will not only adhere to God's standard but also hold others to account. This will continue until we all come to such unity in our faith and knowledge of God's Son that we will be mature in the Lord, measuring up to the full and complete standard of Christ. Ephesians 4:13 c. David's song 2 Samuel 1:17-27 "A lament is a formal expression of grief or distress, one that can be written, read, learned, practiced, repeated." --Dale Davis The more we love, the more we grieve.

Pour cet incroyable chapitre; préparez-vous à découvrir l'histoire du soldat Albert Roche, nommé premier soldat de la 1ère guerre mondiale suite à ses exploits et son record de prisonniers capturés. Nous vous parlerons de la vie de David Good et de ses magnifiques retrouvailles avec sa mère vivant dans une tribue amazonnienne. Nous vous ferons découvrir notre jeux préfèré que nous vous autorisons à voler en échange d'une bière. Nous terminerons avec l'histoire coup de coeur de Thomas, la course au sérum de 1925, un relai hallucinant de 20 traineaux et 400 chiens pour transporter un vaccin et sauver un village de la diphtérie. Bien évidemment, ce chapitre est génial donc bonne écoute. Ah oui! Et le plus incroyable dans ce podcast, c'est que tout est vrai!!!! Notre page Facebook : https://www.facebook.com/incredibilispodcast/ 

Overview David Bowles used to be a marketer for whiskey but now spends his time writing great western books based on real past events. And maybe some whiskey sipping. His family has lived in Austin for five generations. His series of books follows a family through multiple generations as they deal with the westward expansion and America changing. Book https://www.amazon.com/dp/B07TNPPZXW?binding=kindle_edition&searchxofy=true&qid=1664217895&sr=8-2&linkCode=ll2&tag=discoveredwordsmiths-20&linkId=f48c82d9de91dd1a77931dbbf8f01f08&language=en_US&ref_=as_li_ss_tl Website https://westwardsagas.com/ Favorites https://www.amazon.com/gp/product/B003B0W234?&linkCode=li2&tag=discoveredwordsmiths-20&linkId=f4445198ce9f7bc366945165c90f5ba0&language=en_US&ref_=as_li_ss_il https://www.cactusbookshop.com/ YouTube https://youtu.be/gXhzMA1m3ds Transcript today on discovered wordsmith. I have David Boles, David. Good morning. How are you doing today? [00:03:20] David: Good morning. You Steve. [00:03:21] Stephen: David before we talk about your book let's find out a little bit about you. So tell us where you live and some of the things you like to do other than writing. [00:03:29] David: I'm presently living in San Antonio, Texas, been here for the last 14 months, but for the last six years my dog Beck and I have been traveling around the country in a a class, a motor coach telling stories and writing books. And we're fixing to get on the road again. I've just purchased a new RV and we'll be heading out north to the Rockies here on Wednesday morning. Nice. But I'm originally from Austin. I was born in Austin, fifth generation to be born in Austin. And this is about as far as I ever moved away permanently to San Antonio. And that was back in 1968 for hemisphere. Okay. [00:04:06] Stephen: All right. You've been traveling. What are some nice areas you've been to or good sites you've seen? [00:04:11] David: At 2000 and 17, we spent the summer in Alaska and Canada and that's the place for me and the thing. And I say one, my last Bookman trace. I, they sat on there. My editor wanted to know what I wanted to say on the back of the book about where you live. And I said tell 'em I live in Texas in the wintertime and a summer anywhere summer or anywhere, but Texas. So Texas is a, is my home, but it's, I don't tend to live here in July and August. [00:04:44] Stephen: Yeah. Not the most pleasant place that we could be at that time. [00:04:48] David: Yeah, it's been really, it's been really hot, but we love the Rockies. We spend time I spent two summers in angel fire in New Mexico, and I did storytelling there at at the RV camp, in the RV resort in sold a lot of books up there by telling stories. Nice. [00:05:05] Stephen: Beautiful. All right. Why did you wanna start writing these books and what got you into [00:05:10] David: writing? I always heard the stories my father told my grandparents told, and they really interested me and I came from a. A long line of porch setters. And that's what we had to do back when I was a kid, we didn't have air conditioning. And so we always sat out on the front porch. Neighbors would drive down the lane. They would see us on the front porch and they'd stop by. And boy, they'd tell some stories. I started listening to these stories and they just kept going around in my head. Some of 'em were my family and some of 'em were just neighbors, but there were stories that I thought needed told, and until I could retire and have the time to write these stories, I couldn't, but I did a lot of research over 20 years of research and I have the stories down pretty well. And I've got 'em in, I've written this westward saga series. And right now four books and it'll probably be another two books to finish it up, but it's the story of America moving west. Okay. So all the way to California. [00:06:17] Stephen: So you took the that's a,

This episode of the Crime Cafe podcast features my interview with crime writer Ben Westerham. Check out our discussion of his David Good P.I. and Banbury Cross Murder mystery series! This is the Crime Cafe, your podcasting source of great crime, suspense and thriller writing. I'm your host Debbi Mack. Before I bring on my guest, I'll just remind you that the Crime Cafe has two eBooks for sale: the nine book box set and the short story anthology. You can find the buy inks for both on my website, debbimack.com under the Crime Cafe link. You can also get a free copy of either book if you become a Patreon supporter. You'll get that and much more if you support the podcast on Patreon, along with our eternal gratitude for doing so. Check us out on Patreon: https://www.patreon.com/crimecafe Debbi (00:54): But first, let me put in a good word for Blubrry podcasting. I'm a Blubrry affiliate, but that's not the only reason I'm telling you this. I've been using Blubrry Podcasting as my hosting service for my podcast for years and it's one of the best decisions I ever made. They give great customer service, you're in complete control of your own podcast, you can run it from your own website, and it just takes a lot of the work out of podcasting for me. I find for that reason that it's a company that I can get behind 100% and say, “You should try this.” Try Blubrry. It doesn't require a long-term contract, and it's just a great company, period. It also has free technical support by email, video, and phone, so you can get a human being there. Isn't that nice? If you want to podcast, try out Blubrry. No long-term contract, excellent distribution, and great technical support, too, by email, video, and on the phone. I've included an affiliate link on this blog. Here's a PDF transcript of the interview! Debbi: Hi everyone. My guest today is the author of two crime and mystery series. One is the David Good, PI series, and as you can see if you're watching me on video—or not see if you're listening—I'm holding up my Kobo with the second David Good book queued up and ready to read. I am a big fan at this point of the Good series, and also it is a good series, more than just the protagonist. He also writes the Banbury Cross Murder Mysteries, which I haven't tried yet, but they certainly sound interesting. Originally from London, he now lives in rural Northamptonshire in the Midlands. I'm pleased to have with me crime writer, Ben Westerham. Hi Ben, how are you doing today? Ben: Hello, Debbi. I'm not so bad and it's great to be here. Been looking forward to this for quite a while. Debbi: I know. It took long enough, huh? My gosh, I cannot believe how many people are signing up for this thing. I'm booked into 2024, believe it or not. Ben: You are super-popular, aren't you? Debbi: I don't know how this happened. I don't know. It's one of those inexplicable things. I have to say that one of the things I enjoyed about the first David Good novel was that it was a hardboiled private eye story with a distinctive British feel to it. I've read all kinds of British fiction, all kinds of private eye fiction, but this one really felt like Raymond Chandler channeled through a British veil or with a British accent, and a feel of almost parody about it but not quite. Is that what you're going for here? Is it parody? Ben: I'm delighted to hear you say that. Yes. When I sat down to decide what I wanted to write for the first series, I'm not surprised; I read a lot of crime, so immediately I was drawn to crime. And I did then think I wouldn't mind having a go at hardboiled, but I couldn't get myself just to write straight hardboiled, I think in no small part it's the old imposter syndrome thing. You just think so many other people done it so well, I'm going to come along and what am I going to do? But I do like humor as well so what I've tried to do is exactly those bits that you've already mentioned was to bring th...

The annual Halloween show is here, and Nashville's power play is scary good. What's led to the success, and how have the Predators put together their first win streak of the season? Preds Strength and Conditioning Coach David Good joins the show to discuss his behind-the-scenes roll with the team - plus, Brooks Bratten and Kara Hammer discuss Connor Ingram's first NHL win and answer your Twitter questions. 

David-Good Idea, Poor Execution - Danny Hughes by Amarillo Church of Christ Sermons

Things are (G)ood on Absolute BS as we speak about the perils and profit of being a true and self-effacing geek in today's culture.Our new friend David kicks off a very sincere and unapologetic conversation about growing up introverted; effused in a sub-culture once generally misunderstood, but firmly standing center-stage of pop-culture today.Begin your favorite chore, run those errands, and join us as we find out how David Good created experiences to help himself and other's combat the loneliness and stigma of being a true geek!

Good morning and welcome to Montrose Fresh, from The Montrose Daily Press. It's MondayJune 28th and we're here to bring you a closer look at our top stories, events and more that matter to us here in Western Colorado.    Today - This week, the nonprofit Freedom Sings USA will return to Montrose for Freedom Sings USA Colorado. It's a music therapy program that pairs veterans of the military with veteran songwriters.    Today's episode is brought to you by Elevate Internet. Whether it's for your home or your business they offer the best speeds at the best price. Right now, if you refer a friend you can get $25 off! Give them a call for more information at 844-386-8744 or visit them at elevateinternet.com.   -   Now, our feature story.   Music is personal. It's also therapeutic. Perhaps especially for veterans or active military with stories to tell.   And this week, the nonprofit Freedom Sings USA will return to Montrose for Freedom Sings USA Colorado. It's a music therapy program that pairs veterans of the military with veteran songwriters.    The program begins with a two-day retreat during which songwriters work with the selected veterans to set their stories to music.   Afterwards, the community can hear those stories at a free concert.   The retreats first came to Montrose in 2019.   And although local host organization Welcome Home Alliance for Veterans used technology to have virtual songwriter-veteran sessions during the height of the pandemic last year, nothing beats face-to-face contact.   Mike Trickey, Welcome Home's executive director, says they're ecstatic.   The songs will be presented publicly at the community concert June 30, at The Bridges Golf and Country Club, starting at 6 p.m. The concert is free, but donations will be accepted.   Trickey says they'll be playing the songs they've written themselves.    People can hear, in a few short but powerful minutes, stories like that of the late Mary Calegari, who sat down with Dean and fellow writer Don Goodman in 2019, at the age of 96. Her story was one of a woman who decided to serve her country — and entered a military that was simply not yet prepared for the logistics of accommodating women.   The result was the song, “My Life Has Been A Good One”.   Songs like this can be found at freedomsingsusa.org.   Dr. David Good, The Bridges and Valkyrie Productions are sponsoring the retreat and concert.   -   Before we go…   The Delta strain of COVID-19 has been confirmed in Delta County.   According to the Delta County Health Department, there were two identified cases as of Thursday last week.   And in Montrose County, there were three confirmed cases of the Delta variant as well.    According to state data, only 44.7% of the eligible population in Montrose County had received at least one dose of a COVID vaccine so far.   And this Delta variant is considered significantly more transmissible than the first detected alpha variant. Now, seventy-five percent of all COVID-19 cases in Colorado are derived from the Delta variant.   Studies also indicate that the Delta variant causes more severe disease, with roughly double the hospitalization rate of the alpha variant.   The Delta variant was first detected in India and is widely regarded by public health experts to be one of the most transmissible and severe variants to date.   Delta County Public Health Director Karen O'Brien even said that the younger population is at heightened risk to get infected.   Luckily, vaccination is an effective way to prevent illness and variant spread.   So those who have not been vaccinated should visit montrosecountyjic.com for a list of places to receive a COVID vaccine.   Read our full story at montrosepress.com to find links to everywhere in Delta County where appointments can be made.   -   That's all for today, thank you for listening! For more information on any of these stories visit us at montrosepress.com.   And don't forget to check out our sponsor, Elevate Internet. Visit them at elevateinternet.com to learn more.   For more than 137 years, The Montrose Daily Press has been dedicated to shining a light on all the issues that matter to our community. Go to montrosepress.com to subscribe for just $1.99 per week for our digital edition. You'll get unlimited access to every story, feature, and special section. Thank you and remember to tune in again next time on montrosepress.com or wherever you listen to podcasts. Support the show: https://www.montrosepress.com/site/forms/subscription_services/ See omnystudio.com/listener for privacy information.

In this latest episode of the Irish Beer Snob podcast, we catch up with long time friend of the show David Guilfoyle, head brewer of Dundalk Bay Brewery naturally enough from Dundalk, Co Louth in the North East of Ireland. We chat through his brewing pedigree to his current home. While chatting we drank the following beers from Brewmaster Haus Party - citra hopped lager Irish IPA Double IPA You can listen back to our episode with Stephen Clinch here and find out more about Dundalk Bay Brewery on their social media channels - Instagram Twitter Facebook

Heart-led and modest David P. Good is a retired foreign service officer with extensive experience in both India and the Middle East.  His conversation truly brings to mind the decisions one faces when growing up around expectations; he traces the stories of choices we make, consequences we must bear from those decisions and how one becomes calm in a storm. All about developing a perspective... We loved his take on "normal" life... really wonderful! To get to know more about our work, please go to: https://www.livemasterminds.com/ If you have questions, please write us at: info@livemasterminds.com

David Good is the creator and organizer of two local meetup groups on Meetup.com: 1. West Michigan Geeks and 2. West Michigan Introverts, Shy People, and Social Anxiety. He also created a national group called Let's End Loneliness in which people across the US can interact on Zoom. David and I discuss what led to the creation of  these groups and how they have affected the lives of not only its members but David as well. If you are a Geek, Introvert, a Shy Person, have Social Anxiety or are just lonely and want someone to talk to, this episode is for you.David's Recommended AnimeDemon SlayerMy Roommate is a CatJoin the GroupsMeetup.com: West Michigan GeeksMeetup.com: West Michigan Introverts, Shy People, and Social AnxietyMeetup.com: Let's End LonelinessFollow on Social Media:Instagram: @wmgeeksFacebook Group: https://www.facebook.com/groups/wmgeeksTwitter: @wmgeeks David Recommends the Meetup Group, West Michigan Out & AboutGrand Rapids and BeyondYouTube Channel (Please Like and Subscribe)Follow Us onInstagram: @grandrapidsandbeyondFacebook: @grandrapidsbeyondTwitter: @grbeyond

Life's Tough Media is pleased to announce the latest episode of our “Life's Tough: Explorers are TOUGHER!” podcast series. Hosted by Richard Wiese—explorer extraordinaire and President of The Explorers Club—this episode features David Good, an adjunct biology instructor at Northampton Community College, public speaker, and remote indigenous tribes expert—concentrating on the Yanomami people. Like any typical 5-year-old, David has fond memories of dancing and wrestling with his mother, eating donuts, and going to the beach together. But his family was far from typical. His mother, Yarima, was a young tribe woman from a remote village in the deepest jungles of the Amazon rainforest, and his father, Kenneth Good, a prominent American anthropologist. Their love story was so unique it made the headlines of major television agencies, news outlets, and magazines. David remembers traveling with his family from his home in New Jersey to the Amazon and back again as a young child, immersing himself fully in two strikingly different cultures. And when his mother stayed behind with her people in the Yanomami village after one of these visits, David had no idea it would be the last time he would see her for 20 years. It took David two decades to embrace his true identity. He spent his entire childhood resenting his mother's absence and his Yanomami heritage, wishing he could have a mom like all the other kids at school. David attended East Stroudsburg University of Pennsylvania where he received his undergraduate degree in biology. And in 2015, he received his master's degree in biology at the same university. He's also a member of the Maria Gloria Domingeuz-Bello lab in the Department of Translational Medicine at NYU. In his early twenties, David read his father's memoir, documenting the years he spent living among the Yanomami people. Slowly, David started to understand what his mother must have gone through and why it had been impossible for her to stay and raise children in westernized culture. In 2013, David traveled through the Amazon Jungle in search of his mother and was eventually reunited with his Yanomami family. Deep in the Venezuelan Amazon they embraced each other's presence. David not only found his mother; he found his indigenous family and homeland. It marked the beginning of a calling to learn the ancient ways of the Yanomami people, as well as share this culture around the world. The Good Project In 2013, David founded the Good Project, a nonprofit aimed at educating, protecting and preserving the ways of the Yanomami people and to help indigenous people find their way in the market economy—a process he sees as inevitable. The Yanomami live in 200-250 villages in an area of 60,000 square miles of jungle, sprawling across the Venezuela-Brazil border and have little to no contact with the outside world. Some of his current goals is to help advance pioneering scientific research, increase access to intercultural education, enhance medical programs, promote sustainability, and stewardship in the Amazon. Concerning his continued research into the Yanomami people and their culture David says, “I do it not as a dispassionate scientist, but as someone who truly cares about their survivorship and their well-being because we're talking about my own mother.” David is a public speaker and captivating storyteller. He travels domestically and internationally to educate, raise awareness, and provide personal, unique insights on the world of the Yanomami. Join Richard and David for a fascinating account of what it was like growing up as the “son of Yarima”, what prompted his journey to search for her after many years apart, and his ongoing research and support for the Yanomami people. David recently wrote, “Their survival is necessary in keeping us alert to maintaining the Amazon's critical role in protecting the planet.”

As a lifelong introvert, David Good knows as well as anyone how hard it can be to make new friends. In this episode, a seasoned Meetup organizer explains why he was inspired to overcome his social anxieties to organize events for shy people to connect. David will explain how with a little perseverance, even the most socially anxious can find their people and overcome loneliness. For more details on this and other episodes, visit https://www.meetup.com/blog/category/keep-connected-podcast/We hope you'll keep connected with us. Drop us a line at podcast@meetup.com. If you like the podcast, be sure to subscribe and leave us a rating!

This week we had Rob Patkai continuing our David series looking at Good Counsel is a Key to Life

Our guest this week is David Good from the Allegheny County Health Department Air Quality division. David explains what goes into collecting data to check compliance with the Clean Air Act, and why we can trust the data from the EPA.

David Good, CEO of Superyacht Australia and AIMEX joins us to talk about how well the Australian Industry has fared over the past few months, and his perspective of the coming months, especially a positive look for the refit and maintenance sector of the industry, as well as the Pacific potentially being one of the safest places to charter in the latter half of this year.

This discussion took place a few weeks after the COVID-19 lockdown, so what we were feeling was still pretty fresh.  David and I discuss how we've had to pivot our businesses, how as yoga teachers we can be there for our students with transparency, and we get to show our support to each other as we talk about the not so graceful moments we've both had lately.  If anything, it's a chance for all of us to understand each other a little better and maybe not feel so alone. David on Instagram

Why Nick Nurse is the clear cut choice for coach of the year. Devin Hester should already be in the football hall of fame, because they literally changed the rules to stop him. TheSystem.ca coach Yusuf Omar teaches us about Pliability. The Zamboni driver story is good because the Leafs are so bad. --- Send in a voice message: https://anchor.fm/sportpsych/message

Sunday November 10th Message

This week is another very special episode from Kyle and Lucas who are joined by returning guest and friend of PSVG Mr. David Fox (LucasArts, Maniac Mansion, Thimbleweed Park) to discuss all things VR. Some of their favorite experiences, what the future holds and some industry insider information from David. Links from David: Good overview of OC6 roundup: https://youtu.be/ANWhG_Vm9wI Talespin Farmer’s Insurance Oculus Quest hand tracking demo https://youtu.be/PMrlWjgFwNA War Remains, https://www.warremains.com  Ubisoft VR escape rooms https://www.ubisoftescapegames.com Fan-created Rescue on Fractalus in VR, https://www.lsdwa.com/projects/fractalus/vr/  Lucasfilm/Hughes Mirage Project https://youtu.be/oLmFwsZsS7U   Consider supporting the show at patreon.com/psvg Visit our discord at https://psvg.blog/discord Thank you to our wonderful Patreon Producers - Sean Capri, Edwin Calo, Barry Cathcart, Chris M., Kyle Haiman, Benny Liu, Nick Metzger, Caroline Underwood, Delvin Cox, Grrouchie Serge, Justin Pickerd, Nathan Thomas, Ryan Craig, Paul Calicoat, Sean Capri, Hayley Nicole Miller AND Joel Da Professor Switch Voss.  

Pour cet incroyable chapitre; préparez-vous à découvrir l'histoire du soldat Albert Roche, nommé premier soldat de la 1ère guerre mondiale suite à ses exploits et son record de prisonniers capturés. Nous vous parlerons de la vie de David Good et de ses magnifiques retrouvailles avec sa mère vivant dans une tribue amazonnienne. Nous vous ferons découvrir notre jeux préfèré que nous vous autorisons à voler en échange d'une bière.  Nous terminerons avec l'histoire coup de coeur de Thomas, la course au sérum de 1925, un relai hallucinant de 20 traineaux et 400 chiens pour transporter un vaccin et sauver un village de la diphtérie. Bien évidemment, ce chapitre est génial donc bonne écoute. Ah oui! Et le plus incroyable dans ce podcast, c'est que tout est vrai!!!!   Pour nous soutenir : https://www.patreon.com/user?u=23627295  Notre page Facebook : https://www.facebook.com/incredibilispodcast/ 

Blair offers seven mindsets that any seller of expertise needs to master so that they can behave like the expert in the sales cycle.   Links "The Jedi Mindset" by Blair Enns McClelland's Human Motivation Theory, also known as Three Needs Theory, Acquired Needs Theory, Motivational Needs Theory, and Learned Needs Theory   Transcript DAVID C. BAKER: Good morning, Blair. You are in London. I'm in Nashville. BLAIR ENNS: Yeah, it's my afternoon, and it's your seven AM. DAVID: And don't tell me you've gotten a lot more done today already, because that's just a time change thing. Has nothing to do with productivity. Today we're going to talk about the seven masteries of the rainmaker, choke, choke. BLAIR: You're choking on the word rainmaker, are you? DAVID: Well, a little bit. I'm also, it's like seven. How come it's not six or eight? Seven sounds quite biblically, almost like we need to take an offering at the end of this or something. BLAIR: Let's do that. DAVID: I'm more choking on the idea of the rainmaker. Do you hear that term much anymore? I don't really hear it. We know what it means, though. BLAIR: No, but there was a time when you heard it often. In fact, if an agency were running an ad looking for a new business person, probably a health percentage of those ads would have the title rainmaker wanted. DAVID: Yeah. BLAIR: I've never liked the term rainmaker. It's a little bit funny that an agency principal would be looking for an individual who essentially has magical powers, the ability to make it rain. DAVID: Right. It's dry. The crops are going to die. All we can do is just rely on magic. So let's call on the rainmaker. We have no idea how he ... it was always a he back in those days, but we don't know how he or she does it, but this is our last resort. BLAIR: We have no positioning. We have no leads. We have no prospects. We have no formalized new business process. You absolutely need somebody who can make it rain, yeah. So I've kind of used that term tongue in cheek, but the idea of seven masteries, it really stems from the notion of mindset. Because you can master behaviors. You can master all kinds of things. And when I originally wrote about this a few years ago, I had come home to the idea that I was teaching people sales process and people were learning, so they were onboarding and understanding what it is that they knew to do in specific situations, but yet, they still couldn't bring themselves to do it. BLAIR: So I kind of went deep into the subject and realized well, the things that I'm asking them to do, because my approach, the Win Without Pitching approach to selling to new businesses is a little bit contrary to the conventional way it's done in the creative profession. So the things that I was asking them to do were contrary to their overall general pattern of behavior. And then you ask yourself, well, what sets somebody's general pattern of behavior, and the answer is it's really the thoughts in their head, the mindset. BLAIR: So I kind of arrived at this model, this idea of the seven masteries of the rainmaker. These are the seven things that are concepts that an individual needs to master in order to put themselves in the mindset, the mindset of the expert. I sometimes refer to it as the Jedi mindset, so they master those concepts. So they're in the proper mindset. Then they can begin to behave, generally speaking, across the pattern of general behavior, they can begin to behave like the expert, and then they can start to take onboard these very specific things that we teach client does x, you do y. BLAIR: If you learn those specific points of sales process, what to do in the sale, in certain situations, but you're not already operating or behaving like the expert, then they're not going to work. So this whole idea was about getting to somebody's mindset. DAVID: Okay, so we're going to go through the seven, but before we do that, let's assume that I want to embrace this way of thinking. What specifically, almost mechanically, are you suggesting I'm going to do with these seven things? Do I just write them down, and I chant them to myself? No, you're not talking about that. It's more I analyze my behavior against this list. What am I going to do with this after we get through going through the seven? BLAIR: As I walk you through the seven, you'll think about where you are on that spectrum, and in the first mastery, just ask yourself, hey, are you mastering this now, or do you have some homework to do? And then I am going to get you to chant something funnily enough. DAVID: Good luck with that. BLAIR: After we get through four of the ... I think I said to you, this is either going to be really fun, or it's going to be a complete disaster. DAVID: Right, yeah. BLAIR: So we'll just see how it goes. As I explain the mastery, you just ask yourself, well, is this something I have mastered, or do I have some homework to do? And then once we get through four, the first four, which I consider to be the foundational masteries, then I'll actually talk about stringing them all together in a little saying or a mantra that you can say to yourself, and I don't mean to say that you're like Buddhist guru here or something. DAVID: As you laugh and talk about that, right. BLAIR: We're going to get you to say it out loud and then you'll see that when you do this properly, this becomes the conversation that you're having yourself with, and it sets you up to go into a situation where you're behaving properly. And even if you don't remember the specific things I tell you that you should be doing in the situation, it won't really matter, because you'll be thinking the right things. Therefore, your tendency will be to behave appropriately. You will behave like the expert. And then you can forget all of the nuance, and you'll still probably do pretty good. DAVID: Okay. All right. So let's dive in then. The first one is focus, right? So talk about that. BLAIR: Yeah, so mastering focus, it begins with the subject of focus. When you go in and do a total business review with a firm, I don't know this for certain, but I would expect that one of the very first things that you look at is the firm's positioning. Once you do an assessment of where the firm is and how they need to improve, I suspect that's kind of the foundation of where you start, or one of them. It certainly is in my business. DAVID: Yeah. In fact, I'm doing one today, yesterday and today. And as I was driving to where I'm talking with you now, I was just thinking, you know, I love this work. There's so much science and art around positioning, and it sets the stage for everything, right? How can you have all these other conversations without that? And that's what you mean focus, power in the sell comes from deep expertise, which comes out of that focus. DAVID: So when somebody's listening to this first one, and they're thinking, okay, do I still have homework to do, that question is is my firm focused enough to give me power or leverage in that relationship. BLAIR: Yeah, are you focused, or are you the individual benefiting from a focused firm. And the benefit of focus is when the firm narrows its focus in terms of the types of problems it solves or the types of clients it works for, usually a combination of those two, when it narrows its focus, it allows the firm to build a deeper expertise. So if you're an agency principal, and you have a dedicated new business development person, just ask yourself, are you arming this person with the benefit of focus. So we're going to build a four statement mantra. BLAIR: And the first statement is I am the expert. I am the prize. And that comes from this notion, this idea that I see myself as the expert practitioner in the relationship and not a vendor. I have some power in the relationship because of the depth of my expertise. Therefore I have a sense of being in control, but this idea that I am the prize, I am the prize to be won. I and the firm, we are the prize to be won in the relationship. And it's not the client is the prize that I am trying to win. BLAIR: So again, that's a mindset thing. Do you see yourself as this deep expert and representing a firm that has deep expertise that is desirable to the client, and do you see yourself and the firm as the prize to be won in the relationship? DAVID: That is so powerful, even though the words are so simple. It's the opposite of being a supplicant. It's not an arrogance, though. It's more of a quiet confidence that I've seen this before, and I'm eager to help, but we should talk about whether this is a right fit. I don't have to have this. I keep thinking of all these statements that emerge from what you were just talking about on the focus side. Even though we're kind of skipping, we could unpack this notion for weeks. We could talk for weeks, just about what focus means. But that's how it all starts. I love the fact that ... obviously, it has to be on this list, but I love the fact that it's also the first one. DAVID: So I am the expert. I am the prize. So that's focus. Second would be purpose. So talk about what that means, because we're still talking about very foundational things. How does purpose relate to this as a second one? BLAIR: Yeah. So after you master focus, you build deep expertise. The second, master a sense of purpose. And by purpose, I mean kind of a higher mission or calling. So most well-positioned firms can express their positioning in some fairly standard, almost formulaic language, and I don't mean to denigrate the language by calling it formulaic. I think first, you actually have to express your positioning in a formulaic language before you get creative with the language. BLAIR: So most specialized firms can say we're experts at helping this type of client solve this type of problem, or this discipline for this market. And that's just the beginning. Once you have that nailed, you want to go off in search of a higher purpose. Now, what purpose does for you in the sale is it gives you moral authority. It gives you the moral authority because you're driven, not to sell something to the person sitting across the table from you, and you're driven, not to help them sell things to their client. By tapping into purpose, you're tapping into something that's bigger than you, and even bigger than your client. And that gives you some moral authority in the sale. BLAIR: I'll give you an example in my own business. So Win Without Pitching, I can express our positioning as sales training for creative professionals. So the discipline is sales training. Creative professionals is the market. But my mission based positioning is we are on a mission to change the way creative services are bought and sold the world over. So there are different reasons. It starts to get into this Simon Sinek, tapping into your why thing. But there are certain moments when I will say that statement to myself, or if I'm being introduced to give a speech, I'll hand that language to the person who's introducing me, and that helps me get through maybe a slightly anxious moment and tap into something bigger than what I'm trying to accomplish in the moment. BLAIR: And when you're thinking bigger, when you're thinking past the transaction that's in front of you, and you're thinking past even what your client's objective is, to something even bigger than that, that steals you, gives you this moral authority, it contributes to your confidence, and it allows you to kind of ... gives you more ... I don't want to go back to the power word, but more confidence to navigate through the situation, through the sale, acting like the expert. DAVID: Yeah, and what I'm going to say next, I don't want it to take us too much off track, but I couldn't help but thinking of something as you were talking through this. Part of what we're doing at the beginning of a transaction like this or a possible transaction, or relationship, I guess would be a better way to say it, is to gather some control in that relationship, set ourselves up for that, not, though, so that we can misuse the power, but to use it for the benefit of the client, and sometimes it looks like a mistake. It looks like a power trip. It doesn't make sense sometimes from the outside. It's like if you saw somebody holding a child down, and it was through a glass window, and it looked cruel, and then the next thing you saw is that they were giving the child a shot, or they were dressing a wound or something like that. So we're doing something where we're exerting control to help the client, not to abuse the client. And we're reminding ourselves of that during this purpose discussion. DAVID: I love the example of getting up on stage, picture you've traveled a long time, you're tired, maybe something has happened that's shaking your confidence just a little bit. And you say this to yourself that I am on a mission to help. I guess that's the second phrase here that we're talking about. The first one, I am the expert, I am the prize. The second one, around purposes, I am on a mission to help. All of a sudden, it settles everything down. It reminds us why we're here and what we're trying to do. BLAIR: Yeah, well said. DAVID: So the third one is leadership. This is also a foundational statement. These first four are very foundational. So leadership is the third one. BLAIR: Yeah, let me just build where we are so far. So focus, I am the expert, I am the prize. Purpose, I am on a mission to help. And leadership, the line that goes with that is I can only do that if you let me lead. The idea of mastering leadership speaks to the notion that the sale is the sample of the engagement. So for you to do your best work in the engagement, you need to be able to lead. I use the word power, and I tend to overuse it, and as you point out, I don't mean power for the sake of power. I don't mean overusing it, but I mean, the client letting you assume the expert practitioner position and lead them through the engagement, rather than them relegating you to the vendor position and having them drag you through the engagement or dictate to you how the engagement is going to work. BLAIR: You're being hired to help solve a problem or capitalize on an opportunity. And for you to do your best work, you need to be allowed to lead in the engagement. Now, if you're not leading in the sale, then you won't be allowed to lead in the engagement, because the roles in the relationship are established well before the engagement begins. They're established in the sale. That's why you need to behave like the expert. You need to behave appropriately. BLAIR: So this third mastery of leadership is simply recognizing that for you to do your best work in the engagement, you need to be allowed to lead the client. Therefore, it's your job or a requirement that you assume the leadership position in the sale before you're hired. Again, I refer to the battle for leadership or power or control as the polite battle for control. And it should never feel to the client like you're dominating them or lording anything over them. They should feel the way it feels to you when you're hiring an expert practitioner yourself. They're calm, they're collected. They're clearly in control of where things are going or what the appropriate next steps should be. BLAIR: But they're also quite consultative with you, and they make you feel like you have input and you're not being dragged along. So that's the third mastery is leadership. DAVID: I can't help but think about the notion of process as well, because many clients of the folks that are listening to this podcast, those clients are sometimes going to question the process you want to take them through, and it's pretty important to not only have a reason for the process, but to also stick to your process as the expert. Now, if it's not a good process, you don't need to stick to it. I guess that was obvious. BLAIR: It's funny. I was thinking that, too. I'm sure you've seen this, too. There are a lot of agencies out there that kind of manufacture this, I'll call it process, the Canadian version. They manufacture it, and they lead their clients through it, and I come along, or you as a consultant come along and look in and go oh, it feels a little bit hollow and empty, and it's needlessly long, and it's not as fruitful as the client might think. So I think we can laugh about it, but there's actually some fairly hollow processes out there. DAVID: Right. But assuming that it's a good process and it really is a core part of how you're going to lead the client, then this begins to be a part of how you conduct this conversation. It's like you've hired me as an expert. The way I've done this in the past many, many times is to follow this process. I don't mean the hollow process. I mean the good process. It's allowed me to find the truth more reliably and more quickly. And that's a part of leadership. Leadership is not just the advice I'm giving a client. Leadership is also the process that we go through together to arrive at that advice. That's more the point. So focus, purpose, leadership. And the fourth one is detachment.   DAVID: Let me go through and repeat these phrases again. So on focus, we have I am the expert, I am the prize. On purpose, I am on a mission to help. On leadership, I can only do that if you help me lead. And then third is detachment so walk us through that. BLAIR: Yeah. Fourth is detachment, and the line that goes with it is all will not follow, and that's okay. There's really two things you want to master about detachment. First of all, you want to detach from the outcome. So we're talking about the mindset you get into right before you go into the sales interaction. And you layer in all these masteries, focus, purpose, leadership, and this idea of leadership, I'm going into the exchange, and one of the things I'm looking for is I'm looking to take the lead, and I'm looking to see if you will let me take the lead. Do you recognize me as an expert, and are you willing to let me lead in the engagement? If you are, you'll let me lead at least a little bit in the sale. And the fourth mastery here, detachment is letting go of the fact of well, if they don't, that's okay. BLAIR: Your business is bigger than any single one interaction or any single one opportunity. You are this focused expert. The idea is if this person or this client or account doesn't come with you, if they don't let you lead, if they don't hire you, et cetera, that's okay. So you detach from the outcome. That's number one. You focus on the mindset and the behavior, and you detach from the outcome. So again, if you imagine when you hire or work with other professionals in your life, if you end up saying to a lawyer or accountant or solicitor or whoever the most vaunted expert is in your life, if you decide kind of not to go with them, they're not pleading for you to please, please, please give me your business. Because they're this recognized expert who have, you imagine that they have all kinds of opportunities available to them beyond you. BLAIR: And that's essentially what you should be thinking to yourself and then communicating to your client, and just let go of the outcome. So that's the first point on detachment is just generally focus on the mindset, focus on the pattern of behavior, and let go of the outcome. Don't be tied to the fact that this person absolutely must buy from you. BLAIR: There's a lot rolled up in this idea. The idea of not over investing in the sale is tied to it. It's easier to detach when you haven't over invested in the sale. But the second part of detachment is each of us personally tends to have something, and it's usually one recurring thing that we want from the other person in the sale. BLAIR: And I'll go back to this model of motivation known as McClelland's needs theory of motivation or the three needs theory that says people are motivated primarily by one of three different things. It's the need to win versus others, the need to orchestrate others, and the need to connect with others. So if you're a high competitive drive, and you have a high need to win, then you really need to detach from, before you walk through the door, just let go of the need to win this opportunity. If you have high power needs, you have the need for authority and respect, that's probably a good thing, because you and I and have been talking about that. You want to occupy the expert practitioner position, but some people can be in danger of having too high a need for authority and respect. BLAIR: And that's me. So I need to let go of the need to be the absolute authority on something, and other people have high affiliation needs. What they're concerned about in any social interaction, even in a commercial one like this is the need to be liked by others, the need to connect with and be liked by others. So in that situation, they would be telling themselves something like all right, this person doesn't need a friend. They need an expert practitioner. So I will detach from my need to have this deep, personal connection with somebody. There's some more nuance there. You don't want to detach from that completely. But you do want to recognize essentially what a big motivator is and recognize that you tend to go to this too often, and in the situation you want to let go of it. BLAIR: So the idea is that all will not follow speaks to this notion that you don't need to close every deal, and then there's this secondary detachment of what is it that you personally need. Identify it and let go of it. DAVID: Because we should not need constant affirmation that we are an expert in the relationship. We should enter that potential relationship. Every once in a while, it's on a rocky ground, but believing generally that we are the expert, and there's a lot of evidence for that and that many, many clients over many years have paid us a lot. And then after the engagement, we've heard that it made a difference for them, whatever business our listeners are in. DAVID: I love talking about this notion about how much we care or what we care about. I have this theory that has zero scientific underpinnings, just to make that clear. BLAIR: Those are the best theories. Go on. DAVID: All of a sudden, you're interested now. The idea is that we have 200. Now the number might go up or down, obviously, but we have about 200 instances in our souls where we can care a lot more than the client can. And every time we deeply care more than the client does about something, a little part of us dies. And then we have 199 left. So you want to use those very carefully. They're like little tokens that are not going to be replaced. Caring about the wrong things, it just kind of kills you slowly, right? BLAIR: Yeah, you've punched all the holes in your care card. You're out. DAVID: Exactly. Where's my free card? BLAIR: Clearly, you've punched yours years ago. DAVID: I don't even know what a care card looks like anymore. Okay. So what's this mantra that you're going to try and get me ... you say it, and I'll repeat it. And this rolls up the first four. BLAIR: I am the expert. I am the prize. I am on a mission to help. I can only do that if you let me lead. All will not follow, and that's okay. You try it. DAVID: Okay. If I say that is, will you let me lead the next six episodes of the podcast? BLAIR: Yes. DAVID: Okay. BLAIR: You can have whatever you want if you say this. DAVID: Okay. I don't believe that. But I am the expert. I am the prize. I am on a mission to help. I can only do that if you help me lead. BLAIR: If you let me lead. DAVID: If you let me lead. All will not follow, and that's okay. So obviously, I messed it up. I have to practice this some more. Okay. So those are the first four, and you've wrapped them up. The next three masteries are different, though. They're not foundational. They're more specific situation masteries. And we sometimes get these in as well, today. BLAIR: Yeah. DAVID: So what's the first one? Silence. BLAIR: You're looking at the list. You tell me. DAVID: Ah, you were pulling that on me. You just did that to me, and I fell right into it. BLAIR: Yeah. DAVID: Okay, I'm a sucker. BLAIR: The fifth mastery is silence, and I think we've talked about this a little bit before. I think mastering silence is the single biggest little thing that you can do, if that makes sense, and it does make sense, the single biggest little thing you that you can do to become a better sales person. Nature abhors a vacuum, and when a buyer and seller are talking, any time there's a pause in that conversation, there's an impetus on both parts to fill it, and if you're the seller, you tend to fill a pause in a sales conversation with some sort of concession. You don't even have to master silence. You just have to learn to be more comfortable in silence than the other party. Because if you can be more comfortable, then the client is likely to fill the void with a concession or they will give you really valuable information. BLAIR: So we always teach that any time you raise an objection or place kind of a hurdle in front of the client and ask the client to jump over that hurdle, or you ask for a behavioral concession, after the statement or the ask, you just be quiet. So if you put forward your proposal, and it's got a price on it, and you're putting it forward orally, and you say and the price is $200,000, then you just stop and say nothing. And it's hard to do this initially, but it's actually very easy to get good at this. And if you can just kind of not be the person to break the silence, and you let the client fill the void, then you'll get all kinds of information on where the client stands, on how much power you have in the relationship. And you might even get some concessions, whereas sales people like to fill a void in that moment. The price is $200,000, silence, and then the sales person can't stand it, and says, oh but we could do it for less. DAVID: Yeah, and the panic rises so quickly. It's like yeah, maybe they just need to pull out Fortnite and start playing it or check their email. You're not suggesting that. BLAIR: I would say count to 10 under your breath. DAVID: Yeah, okay. All right, so silence is the first of the three after the foundational ones, and the second one is directness, say what you're thinking. We've talked a lot about this one, but it fits in the system, right? So just remind people, if they haven't heard that episode. BLAIR: I was just working with a firm earlier this week, and we were just doing some role play scenarios where I was on the subject of saying what you're thinking. So I was just throwing out some scenarios. And I was saying okay, here's a scenario, you're talking to a prospective client. You're thinking oh, they're probably too small. They probably can't afford you. What do you say? And I was really surprised at how people ... and I've been doing this for years. I continue to be surprised at how people struggle with finding the language to actually politely say what you're thinking, because we are not conditioned to do that in this business. In the creative and marketing firm business, we're taught that we're in the service business. The customer's always right. We're taught to nod and smile yes, even when we think the answer is no. BLAIR: But an expert would never do that. If you've got an opinion that's contrary to one that's been stated by the client, including an opinion on what the next step should be in the path to determining whether or not you're going to work together, you should say it. So be direct. Put it on the table. So I say there's a slight pause. As soon as you get the thought, the contrary thought, you have an obligation to state the thought, and you pause long enough so that you can think of a way to say it with kindness. So we talked about before, the subject goes by the name kind ruthlessness. So you're kind in your language, but you're ruthless in your standards and your behavior. By that I mean, you're being direct, you're saying what you're thinking. If you think the client's assessment of their problem or their opportunity is wrong, then you should say so. BLAIR: If you think there are flaws in the way they're proposing to hire a firm like yours, then you should say so. If you think the client is making a mistake in the engagement, then you should say so. Any expert worth their weight would confront politely with kindness the client with the mistake they think the client is making. And we, almost universally ... it's not universal, but it's almost universal. We don't do that. We need to learn to get better at doing that. So you master this idea of directness of saying what you're thinking. DAVID: I'm picturing somebody taking the oath of office or being sworn in before they give testimony. There needs to be something like that for experts, a commissioning service for experts where they raise their hand and say, I pledge to do it politely but to be honest and to state the truth with the clients who deserve that from me. They deserve that leadership from me. This is very powerful. BLAIR: I love that idea, our equivalent of the Hippocratic oath. DAVID: Right. So silence, directness, and the last one is money. So master your own wonderful relationship with money. That's one of the things we got with another couple or some friends or whatever, and we can talk about sex. We can talk about all kinds of ... we can't talk about how they raise their kids, and we can't talk about money sometimes, and that carries over into how we conduct these early relationships and sales studies as well. We can't really talk about money for some reason. BLAIR: Yeah, and that's why it's the seven and the last mastery. I like the idea that if people were just to read it, you have to master money. Some people would be repulsed by it, the idea. And those are the people that I'm really speaking to here, because we're not mastering the accumulation of money or the spending of money. What I mean by mastering money is mastering our own relationship with money. I believe, and I think we've talked about this before, that most of us have a dysfunctional relationship with money. BLAIR: In my book, Pricing Creativity, the last chapter, I think it's titled the last obstacle is you, and I talk about the mental barriers ... we've done a podcast on this ... the mental barriers to profit. And that's what I'm talking about is not getting hung up on money, and all of the personal emotional things that we were taught or we learned around money, all of the baggage ... baggage isn't fair, because as you pointed out, in social situations, the rules around talking about money are actually quite different than they are in a business situation. You say you've got friends where you can talk about sex, you can talk about politics, you can talk about things. But you can't necessarily talk about money. There's only a small number of people in my kind of personal life, where I have an open relationship without the subject of money, where we've agreed that we're going to talk openly about money, and there's really nothing off limits. DAVID: Yeah. BLAIR: I'm really talking about mastering the subject of the hold that money has over you or the idea that the subject of money is somehow holding you back because you don't feel it's worth it. I got an email two days ago from a client, who said ... he forwarded an exchange that was happening in his firm. He said, oh you're going to love this. He said read down and start from the bottom. So this is a firm that's recently moved to value-based pricing. So they still scoped it based on hours. Somebody internally said, well, it should take this many hours. The client wasn't buying hours, but they sold it for way more hours than it took to deliver. And two people internally were saying this is unethical. We cannot do this. BLAIR: So the principal at the firm and I are kind of laughing back and forth about this, because if you think it's unethical to create extraordinary value quickly, then you have a dysfunctional relationship with money. DAVID: You also have some other issues that are coming around the corner, too. This is such a great topic. I'm not at the point where I'm going to start chanting this. But I do ... I really do like this. So the foundational four, focus, purpose, leadership, detachment, and then the three masteries that are more for specific situations which you might use in certain specific cases would be silence, directness, and money. Blair, this was fantastic. Loved our discussion today. BLAIR: Yeah, thanks. It wasn't nearly as weird as I thought it would be. DAVID: Thank you, Blair. BLAIR: Thanks, David.

Debbi Mack interviews crime fiction author David Swinson. To buy any of the books displayed, just click on the cover. The interview transcript is below, if you'd like to read it. Or download the PDF copy and read it later. Debbi: Hi! This is the Crime Cafe, your podcasting source of great crime, suspense and thriller writing. Before I introduce our guest, I'd like to remind you to check out the Crime Cafe story collections; a boxed set and a short story anthology. They're on my website, debbimack.com. Just click on the link “Crime Cafe” and you can get to the buy buttons there, as well as see our merchandise and other stuff that's cool, and subscribe buttons, of course, to the podcast. Also, get ready for our Patreon launch. I'm setting up an online community for supporters of the Crime Cafe and there will be great perks for anybody who contributes and exclusive content if you contribute at a certain level. It's not a very high level, either. So, it's monthly contributions and I would greatly appreciate your support for that. When that comes out, I'll let you know. In any case, without further ado, I would like to introduce my distinguished guest… David: Oh geez! Debbi: A really great author who writes wonderful crime fiction, David Swinson. David: Hi! Debbi: Hi, David. How's it going? David: Good, good. Debbi: Excellent. I met you online after reading, The Second Girl. I found a review, I can't remember where it was, but somewhere or other a review popped up for, The Second Girl and I was just captivated by it. Not only because it's set in D.C., which is, you know, I live near D.C., arguably Columbia is a suburb of D.C. David: Fairfax Station. Debbi: Yeah, but it was just such a wonderful story with a great protagonist. David: Thank you. Debbi: Now reading Crime Song, which is a stunning and wonderful follow up. It's excellent and I would like you to tell us more about Frank Marr and the series and how and why you developed this character. David: Well, Frank Marr … I think The Second Girl was published in May of 2016 and then Crime Song, June of 2017 and then the third book is not coming out until February 2019. But prior to 2016, I mean Frank Marr was in my head seriously for years, I mean a long time. And I had written a couple of other books prior to The Second Girl and they got rejected and they were police procedurals and then I went back to Frank and said, listen I'm just going to have fun. I'm going to do something that's so outside of me, and Frank Marr is totally outside of me. I mean, in certain ways I'd love to be like him. In certain ways I would not want to be like him at all. But nothing bothers him or affects him, I mean as far as like his habit and stuff like that. It's like he's almost blind to that kind of stuff. But I just sat down and had fun and wrote it, and when I gave it to my agent with the other two books I had written, she goes, “Are you sure you're done?” You know? And that's sort of like an indication, well, maybe I better go…but on this one she didn't say that. She just said, this is good and she did not send it out wide, she only sent…I wanted her to send it to an editor who had turned me down like two times, Josh Kendall at Little Brown in Mulholland and he ended up falling in love with it. But Frank…before Frank was a retired cop turned PI, he was an actual burglar. Not a cop, just a regular burglar that got involved in some PI work. But he was also a burglar and that's what, you know got him his money and stuff like that. But Frank Marr, he ended up changing and I made him a retired cop turned PI. It also used to take place in 1999, because that's really when MS-13 was really active with trying to recruit young girls and stuff like that in high schools and I agreed with my editor. I mean 1999…I wanted to really get away from all the social media, because I can't stand having to write about that stuff.

David Good is a member of a remote indigenous tribe known as the Yanomai. This group is widely known and is the subject of much research and discussion among anthropologists, sociologists, journalists, conservationists, and evolutionary biologists, to name a few. They have been internationally syndicated in books, documentaries, periodicals, reports, and journals. The Yanomami have received international attention due in part to being one of the last indigenous groups that have no, or minimal, contact with the “outside” world. David founded The Good Project is a 501(c)(3) nonprofit organization dedicated to the education, health care, and cultural preservation of the Yanomami and Cabecar indigenous groups in South and Central America. His book, The Way Around, highlights his incredible story (released in November 2015).

Introduction: Kelly Coughlin is CEO of BankBosun, a management consulting firm helping bank C-Level Officers navigate risk and discover reward. He is the host of the syndicated audio podcast, BankBosun.com. Kelly brings over 25 years of experience with companies like PWC, Lloyds Bank, and Merrill Lynch. On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-Suite officers, risk management, technology, and investment ideas and solutions to help them navigate risks and discover rewards.   And now your host, Kelly Coughlin.   Kelly: Good morning. This is Kelly Coughlin. I've got David Shoemaker on the line. We’re going to do a podcast with David. He's the President of Equias Alliance.   David: Good morning.   Kelly: Good morning David. How you doing?   David: I am well.   Kelly: Just to kind of lay the foundation here I thought we’d talk very briefly about my relationship with David and Equias. As David knows, I'm a CPA. I've been in the investment and banking ecosystem for many years and as part of a consulting gig about a year and a half ago I came across the BOLI industry, the bank owned life insurance industry, and then Equias Alliance. I decided at that time, after looking at this asset class, that this is a space I wanted to get into. And I looked at the competitors, once I decided I liked the product, and decided who are the competitors, Equias, in my mind, rose above everybody else out there.     It wasn’t just me that thought that. I believe American Bankers Association selected Equias as their endorsed vendor. I think another dozen or state banking associations also selected them. Is that a fair statement?   David: Ten of them.   Kelly: Ten, clearly they emerged in my mind and in other’s mind as the key player out there. I met with David and I found him to be a key player in the industry, so I thought I'd do a podcast disclosing that I have an independent consultant relationship with David’s company, Equias. I thought we’d do a podcast and talk about first of all just give us a brief background on who you are, how you got into this space, some background and then we’ll talk about the product generally and how you got into this space and what your take is on that. You want to kick it off with some brief bio on who you are?   David: I graduated from the University of Tennessee, Knoxville with a Bachelor of Science in Business Administration, with a major in accounting, then worked for Deloitte Touche for nine years and an investment banking firm for three years. Then, while I was in investment banking, one of my clients was looking at an insurance product and asked me to help evaluate it knowing that I was a CPA technical type.     I liked what I saw, but what I didn’t like was that, it had a four percent front-end load charge. I thought it was a good asset class, but if we could get rid of the load charge we could make it very viable for banks to want to use as an asset class. I've been in bank owned life insurance and nonqualified differed comp for the last twenty-seven years now. I've worked with hundreds of banks over that period of time. I live in Memphis. I have a wife and six children. There’s a lot to do on a daily basis just keeping up with the family.   Kelly: All right, taking from your statement that you saw what was going in the market, the four percent front-end load. Let's elaborate on that because my understanding based on discussion with others including yourself is that you were one of the early pioneers of crafting the product offering as it is right now. What was the need in the market at that time? Give us a general year when that was. Then, where was the gap in products available and the products needed by the bank? What did you see at that time?   David: The year was 1989. There were several products available in the market, but they all had loads of between two and four percent. That means if you purchased a million dollars of BOLI asset and you had even a two percent load that was a $20,000 initial reduction of your cash value. You’d have to reduce your earnings and capital by $20,000 per million. I saw that as a hindrance to banks wanting to buy that asset.     So my partner at the time, who was an attorney, and I decided we could go to insurance carriers and see if they could provide a product that had no-loads which would be more viable for a bank. During that process we found that there's more to it than we’d initially understood. The carriers have to pay a premium tax to the state which generally averages about two percent. Then the federal government has a tax called the DAC or Deferred Acquisition Cost tax that effectively costs around a point and a quarter.     Carriers at time were not comfortable with essentially front ending that asset to give a hundred percent credit after they paid the taxes because they would potentially lose the money if the policy didn’t remain on the books. It took a fair amount of discussion and a fair amount of time, but my partner and I were able to convince four carriers to do no-load contracts.     At that time, I guess there were two other firms that we knew of in the business. They were Bank Compensation Strategies who pioneered the business and then there was Benmark. They were the primary players in, it wasn’t called BOLI then, the bank owned life insurance market. The need for it was to find a product that was viable to banks that didn’t have these loads charges and the idea behind it, back in that day, was primarily to fund nonqualified, deferred compensation plans for management and Boards of banks.   Kelly: That was the primary need for the product, not as an investment per se, but to help fund the nonqualified benefit portion.   David: Yes, to maybe take it a step further. There were not really any regs back until 1991 that were clear as to what a bank could purchase and couldn’t purchase. They could not buy life insurance as an investment asset. They could buy it to fund specific needs. A nonqualified, deferred comp plan was widely considered to be one of those specific items that could be funded with life insurance. It was not clear at the time that you could buy life insurance to informally fund health care and 401K and other retirement benefits and group life benefits and so forth.     Even in the first regs that were issued in 1991, bank reg; I think it’s called BC249, essentially said that you can’t buy life insurance as an investment. You can buy it to offset the cost of certain benefit plans. Even then it wasn’t clear whether that covered health care and 401Ks and things like that, so the initial design of bank owned life insurance was primarily for the purpose of nonqualified deferred compensation plans.   Kelly: The regs specifically prohibited it as an alternative investment asset class. Is that mainly because of that front-end charge and regulators didn’t want to see the hit to capital?   David: That was not the reason. They just viewed life insurance as not a normal asset for a bank from an investment standpoint. It was for specific purposes, but not considered to be an investment in the same terms as Treasury’s and agencies and municipal bonds.   Kelly: Now, that has changed since those early years correct that regulatory perspective?   David: Technically no, in 1996 there was a guidance issued under OCC96-51 which specifically gave authority for a bank to buy life insurance to informally fund retirement benefits and health care. So even today you can't buy life insurance purely as an investment. You have to purchase it from a regulatory standpoint to offset and/or recover the cost of employee benefit plans.     For instance, if a bank had no employee benefit plans; if they weren’t providing health care or 401K’s or retirement plans or nonqualified plans, they really could not buy life insurance and hold onto it until the death of the insured because they would not have a valid reason under the regs to buy that life insurance.   Kelly: They could only buy like Key Man life insurance.   David: They could buy the Key Man, but when that Key Man would leave the bank they’d have to surrender the policy because there was no need for it once that key man left.   Kelly: A bank does not have to have a nonqualified benefit plan. It could just have any sort of benefit plan. It could be health insurance. It could be 401K, any sort of benefit, correct?   David: That's correct, as long as they're providing employee benefits. From experience, if a bank provides health care coverage typically the cost of health care in today’s market is so high that health care alone is enough to justify buying bank owned life insurance generally up to twenty-five percent of capital.   Kelly: Right, so do you see BOLI as primarily an alternative asset class or an insurance product with investment benefits or does it kind of depend on what the needs of the bank are?   David: I would say it depends on the needs of the bank. I'd say it probably leans more toward the alternative asset class in that you look at the features of bank owned life insurance as a tool to produce earnings that would help the bottom line and help recover employee benefit expenses. BOLI has features that are attractive from that standpoint.   Kelly: As an alternative asset class, and I know you and I've had this discussion offline a couple times, if you consider the investment features as an alternative asset class what asset class does BOLI compete against best or worst I suppose? Where do you think, if you were a bank and they liked the features and benefits of BOLI and they need as a replacement. What asset do you think it replaces best MUNI’s, agencies, loans? As I see it, it could be a loan to an insurance company. Where do you see it?   David: It's hard to say that BOLI replaces any particular investment because the features are different than all the other asset classes that are traditional for a bank. If you go down that path and talk about, for instance, BOLI versus MUNI’s there is some common characteristics in that they both have income that's not taxable that helps produce generally higher returns than most taxable asset classes.     There are a lot of differences in those two asset classes, for instance, MUNI’s generally have a fixed rate interest rate, whereas BOLI is an adjustable interest rate. The credit quality of both are high. The BOLI carriers tend to be large, very well-known, highly rated carriers, so very strong credit quality. BOLI has no mark to market in the asset, that in reporting periods whereas municipal bonds generally have to do a mark to market of capital through the OTTI adjustment. BOLI essentially doesn’t have a diminution of value when rates rise whereas municipal bonds could.     Now, from the value of municipal bonds relative to BOLI is that it's always tax-free rather than tax deferred. BOLI’s tax deferred technically, but if held until death its tax free. If you surrender a BOLI contract before maturity, before the person dies, you have a tax liability for the gain plus an extra ten percent for the it’s called a modified endowment contract penalty. BOLI effectively has minimal liquidity from the standpoint of once you buy it you intend to hold it until death, because you don’t want to incur the tax liability.     Whereas a municipal bond if you decided to sell that you would still retain all the income that you've earned to that point tax free. Sometimes banks put municipal bonds in the hold to maturity buckets so they can't really sell the bond; it becomes an illiquid asset for them as well. There's some pros and cons to each, but BOLI does hold up well generally considering the pros and cons of it to any of the asset classes.   Kelly: But, especially MUNI’s.   David: Yes, I think from that standpoint rather than one versus the other it might be some combination of the two for diversification.   Kelly: From my perspective, I see MUNI yields to get higher yield you have to extend duration, so you look at the risk of extending duration versus investing some assets in bank owned life insurance. I've only been doing this for a year now. It’s seems that like half the banks have BOLI on the balance sheet and half don’t.     From my perspective, it's kind of a CPA, risk manager, investment person I don’t really see why a bank wouldn’t max out their twenty-five percent of net capital. Now, that sounds pretty self-serving I know, but in your experience what's the single biggest reason for a bank to not include BOLI in its assets class, because there certainly is a reasonable amount of bias and hesitancy for Boards and CFO’s to get BOLI. What's the single biggest reason that you see for a bank to not include it in their asset class?   David: The stats on BOLI are that sixty percent of the banks across the country have BOLI and forty percent don’t. For banks over a hundred million it's about two-thirds that have BOLI and one-third that don’t. It’s fairly common for banks above one hundred million to have an investment in bank owned life insurance. For those that don’t, it generally falls into one of two to three reasons.     Probably the most prevalent is a bank that has high loan demand. The bank wants to make loans to its local market because that helps build franchise value. If they have high loan demands, say their loan to deposit ratio is over a hundred percent, they may not have the liquidity to hold BOLI at the current time. All their attention and all their liquidity is going into making loans. While BOLI competes with loans well on the yield side, the tax equivalent yield side, banks tend to want to have loans for building the franchise value versus owning bank owned life insurance. If they have the option, they're going it put it into loans rather than BOLI assuming they feel comfortable with the credit quality of those loans. That's probably the biggest reason.     Number two is that some banks don’t fully understand the asset, haven’t taken the time to fully understand it. The pros and cons and features of BOLI is not traditional with a lot of banks. There's this uncertainty about something that's not traditional. They may think “We haven’t done that before and I don’t want to take the time to learn pros and cons.” Maybe they’ve had a presentation and it wasn’t presented in a way that made it clear what the pros and cons are. They maybe saw it as too much of a sales push instead of laying out all the pros and all the cons kind of thing.     Keep in mind that for BOLI to be approved by a bank it generally requires a hundred percent agreement, meaning you must have the CFO of the bank, the CEO of the bank and usually everybody on the Board to be in unison that they want to buy BOLI. You can have one person dissent out of ten, for instance, and that could keep it from happening.   Kelly: Why is unanimity required?   David: It’s not required. It's just generally the way it is. First off, if you don’t have the CEO and CFO on board it probably won't go to the Board. You need both of them. The Board, they normally just don’t want BOLI to be something that causes dissention among the Board members. That's not always the case, but typically they need all Board members or at least eighty to ninety percent approval before they would invest in the asset. I haven’t really run into it, but I don’t think you’ll see BOLI being approved on a five to four vote.   Kelly: Yeah, but that would be true with just about any asset class. Let's say the bank wanted to, the CFO proposed extending duration. Don’t you think that unanimity would be expected or the same standard would be expected for that decision to extend municipal bond duration versus like in a BOLI decision?   David: Yes, I would think so. On investments they have their investment policy that's been approved by the Board and that decision would have to be made within the investment policy about extending duration. Yes, I would think you would need a very high approval rate of the Board members before you would change the investment the policy to do something that effectively increases the risk.   Kelly: Do you see BOLI as being subject to…say within the scope of the banks investment policy in your experience?   David: No, BOLI has its own policy. One of the requirements under the regs is that you have to have a BOLI policy before you can purchase it. You would establish a bank owned life insurance policy; in a sense it's an investment policy for BOLI all to its own. It explains within the policy the bank’s view of BOLI; the percentage of capital that the bank would be willing to purchase; the percent to any one carrier; the due diligence that would be done before purchase; carrier selection; vendor selection. How would they go about deciding which carriers, which vendors and so forth? That all has to be documented in a policy before the bank can even go about purchasing a BOLI product.   Kelly: The bank either includes that as a chapter within the investment policy or they have it as its own separate investment policy.   David: I have pretty much only seen it as its own separate policy. If they include it within the investment policy it would be its own chapter. It's fairly lengthy. It's usually ten - fifteen pages of policy all to itself.   Kelly: How has the industry changed since the early years?   David: In the early years, I guess from a salesperson’s standpoint the hard part was to get a bank to talk to you about BOLI because it just wasn’t common and owning life insurance as an asset was not normal. It was outside the box and a lot of bankers didn’t want to discuss doing something that was outside the box. The biggest hurdle was getting the audience.     Today, most banks know about BOLI so they've heard about it and they have had many, many sales calls about it. Other banks they know have purchased it, so they understand at least the term and what it is. Now, there are just a whole lot of sales calls from insurance sales folks asking about BOLI. They're aware of it. It's just very, very competitive and maybe difficult for the bankers to understand the difference in firm A versus firm B.     The other way that's changed, when I started doing this the only products available were what's called general account products where the carrier provides a universal life insurance product or some whole life products that have an interest rate or dividend rate. Then the main risk to the bank was a carrier’s credit whether the carrier would be able to pay the claim later. Today, you have not only general account which are still very popular, but since then there's been a lot of purchases of what is called hybrid separate account products and also variable separate account products.     Variable separate account products are where the assets are segregated from creditors somewhat like a mutual fund. The bank can choose to invest the money within a particular investment bucket; although, for a bank it as to be eligible investments unless it's used as a hedge against a deferred comp plan. Those have some higher risk features, a little bit more moving parts. They have a stable value wrap sold by a registered product or private placement memorandum and so they're more complicated. Most community banks shy away from those because of the complications and the mark to market within the portfolio.     Then, there's a hybrid separate account product that has features very much like a general account. It has an added credit enhancement that if the carrier were to ever become insolvent the assets within the separate account by legal definitions are segregated from creditors of the insurance carrier so that those assets would only be available to the policy holders. These new asset classes have been pretty popular and have essentially enhanced the options for banks to buy bank owned life insurance.   Kelly: The first generation of BOLI was the general account, no-load product and then the second generation would be some of these the hybrid accounts and some of these more sophisticated product structures. But the core concept was the same, right?   David: That's correct, basically similar structure from a standpoint of no loads, no surrender charges, single premium, just a difference in the chassis if you will.   Kelly: Right, the risk sharing to a certain extent, right, because was the separate account available back then in the early years?   David: You could buy a separate account that was called variable universal life. It was a shelf product, but banks really didn’t buy it then because you had mark to market. Say it was all in a bond fund but the interest rates went up and the value of the bond fund went down five percent you’d have to take an immediate mark to market on your balance sheet and income statement. That was not very attractive to a buyer. If you're a bank you don’t want that kind of volatility on your income statement.   Kelly: Even though that's the nature of a municipal bond portfolio, they have to mark those.   David: A municipal bond portfolio they mark to market, but not through the income statement. They mark to market through the capital account.   Kelly: Right.   David: It doesn’t flow through income.   Kelly: Right.   David: Whereas if you were to do the same thing in a variable universal life insurance contract and have that mark to market risk you’d have to mark that through your income statement because the cash value is changing.   Kelly: One of the things that I noticed about Equias, again this sounds somewhat self-serving, but I’ll say it anyway. This relates to the industry changes. When I see Equias, it just seems to be a highly professional organization. I think eighteen consultants and thirty some support personnel and I believe seven CPAs and a bunch of attorneys, MBA’s that kind of thing. It just seems that one of the things that appears to have happened with Equias having emerged as the key player is the element of professional consulting capabilities versus I would suspect in the early years, and currently, many of potentially our competitors, it's mainly a bunch of insurance guys, right, trying to sell product?  I would think in the early years that's what it was all about, insurance guys trying to sell insurance to a new market…banks.   David: Yes, there was a lot of that. The business model that Equias developed was this is not an area that banks have a lot of expertise in and that they need support services so that they can spend a minimal amount of their time dealing with the technical stuff and don’t have to pay a lot to CPA firms and law firms to help them through the process.     We set up the firm with the idea that we could provide those services at costs that are competitive with anybody in the marketplace. Through volume we could provide more services and all the technical services that a bank would need, but do it in a very cost effective way. That’s where we actually have eight CPAs and two attorneys and a former OCC regulator, former bankers, bank directors, and a former head of the BOLI area for one of the major insurance carriers.     We've staffed our firm with very, very experienced, competent, technical people including the consultants are all very experienced, so that we could be a real asset to the banks. It'd be hard for our competitors to match our knowledge and experience and to duplicate what we can do.   Kelly: One of the things that got my attention was I think you're one of the few that has a SOC 1, Type 2 audit. Not many insurance “agencies” have that kind of thing going on. That was a good plus in my mind with you guys.   David: Yeah, it covers our implementation process, as well as our administration process, and covers not only the BOLI side of it, but covers the nonqualified benefits side. We’ve set up internal controls when we established the company and we followed those controls. We've been able to go through the audit process very efficiently and effectively.   Kelly: I’ll probably be criticized for this being an infomercial for Equias, but what the heck. That's what we can do. All right let's finish with one final thing. I’ll give you the choice. This is a question I ask every guest either your favorite quote or, what I like the best, is tell us what one of the stupidest things you’ve said or done in your business career.   David: One of the early days in my career I remember having gone to this bank to explain BOLI and the nonqualified plans probably for the seventh or eighth time. Some of the Board members were wearing out with me coming back almost it seemed like every month. One of the Board members, who was an attorney, when I came back this time she just looked and “Oh no, not you again.” I said, “Yeah.” She said, “Look, if I vote for this, does that mean you won't come back and you'll leave us alone?” I said, ‘You’ve got my word on that.” I guess in that case persistence paid off.   Kelly: It's good, yeah.   David: It wasn’t one of those real positive “I'm glad to see you” kind of moments.   Kelly: That's right; you got the deal done though.   David: Yeah, I was able to get it done through persistence, not through the sales process really.   Kelly: Yeah, that's good. All right, David, thanks for your time. I appreciate it.   We want to thank you for listening to the syndicated audio program, BankBosun.com The audio content is produced by Kelly Coughlin, Chief Executive Officer of BankBosun, LLC;  and syndicated by Seth Greene, Market Domination LLC, with the help of Kevin Boyle. Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle. The voice introduction is me, Karim Kronfli. The program is hosted by Kelly Coughlin. If you like this program, please tell us. If you don’t, please tell us how we can improve it. Now, some disclaimers. Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant.   Kelly provides bank owned life insurance portfolio and nonqualified benefit services to banks across the United States.  The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any other way represent the views of any other agent, principal, employer, employee, vendor or supplier of Kelly Coughlin.  

David Good - 12/27/15

Travel to the ends of the earth on The Halli Casser-Jayne Show when joining Halli at her table are inventor, artist, photographer, and industrial designer, Dan Kainen author of a new Photicular ™ book: POLAR and David Good, author of THE WAY AROUND, FINDING MY MOTHER & MYSELF AMONG THE YANOMAMI. An alumnus of Pratt Institute in Brooklyn, Dan Kainen's art has been exhibited in the Ronald Feldman Gallery in Soho, among other New York galleries and private collections. In the 1980s Kainen started experimenting with holography, and then with integrated images. This led to three patents in that field, the latest of which is the basis for a new Photicular™ book: POLAR, that takes readers on a stunning journey to the remote, mysterious, and severe Arctic and Antarctic. David Good is a Yanomami-American, his mother a Yanomami residing in the Amazon Rainforest of southeastern Venezuela. His father, Kenneth Good, is an American anthropologist whom studied the Yanomami people for decades, which is where he met David's mom. Their family's history has been televised in National Geographic and written about in People Magazine, New York Times, and the London Times. Now David tells his own story in his fascinating new memoir, THE WAY AROUND, FINDING MY MOTHER & MYSELF AMONG THE YANOMAMI a story of self-discovery, of being of two worlds, growing up in New Jersey, his mother's abandonment and return to her tribe in the Amazon when he was six, the heavy toll that took on his childhood and the near-fatal car accident that gave him a purpose: to find a way back to his mom. Good is the founder and executive director of The Good Project, a nonprofit service organization dedicated to the education, health care, and preservation of indigenous groups in South and Central America.For more information visit Halli Casser-Jayne dot com.

Sep. 5, 2015. At the 2015 Library of Congress National Book Festival in Washington, D.C., John Hemming discusses "Naturalists in Paradise: Wallace, Bates and Spruce in the Amazon." Afterwards, Mark Plotkin and David Good recount their travels and adventures among the peoples of the South American rainforest. Speaker Biography: Best-selling author John Hemming is a distinguished historian and explorer of South America with a lifelong affection for the Amazon. He has visited approximately 45 indigenous peoples, been on a first exploration of a major tributary, led one of the largest scientific research projects in the region and visited many parts of the region's great river system. Ten of Hemming's books are related to the Amazon, including a three-volume history of Brazilian Indians and the acclaimed "Tree of Rivers: The Story of the Amazon." His latest book, "Naturalists in Paradise: Wallace, Bates and Spruce in the Amazon," describes the achievements of three outstanding scientists in the mid-19th century. Hemming served as director of the Royal Geographic Society in London for 21 years and is also well known for his best-selling book "The Conquest of the Incas." Speaker Biography: Mark Plotkin is an ethnobotanist and expert on rainforest ecosystems. In 1995 he co-founded the Amazon Conservation Team, which partners with local indigenous peoples to protect the rainforest. Plotkin has received various awards for his work including the San Diego Zoo Gold Medal for conservation and the Roy Chapman Andrews Distinguished Explorer Award. His articles have been featured in Harvard magazine, Forbes and The Huffington Post. Plotkin's books include "The Killers Within: The Deadly Rise of Drug-Resistant Bacteria" (Back Bay) and "Tales of a Shaman's Apprentice: An Ethnobotanist Searches for New Medicines in the Amazon Rain Forest." Speaker Biography: David Good is a graduate of East Stroudsburg University in Pennsylvania with degrees in biology; he is a member of a remote indigenous tribe known as the Yanomami. His village, known as Irokai-teri, is situated deep in the Amazon rain forest of southeast Venezuela. His father, Dr. Kenneth Good, a prominent American anthropologist, met David Good's mother, Yarima, while living and working with the Yanomamo tribe. Good reunited with his mother in 2011, after 20 years of separation and no contact. In 2013 he returned to Venezuela to rekindle his relationship with his mother and indigenous family. Good was inspired by his work and experience among indigenous peoples to create the education based nonprofit foundation The Good Project. For transcript, captions, and more information, visit http://www.loc.gov/today/cyberlc/feature_wdesc.php?rec=6985

David: Good Leader, Poor Dad | 3 Kings | Mick Taylor | 2 Samuel 11 by King's Church London

David Good: Media Personality and Author. David was featured in Season 5 of ABC’s "The Bachelorette" and winner of  "Bachelor Pad."  After his win, David authored "The Man Code" - a book that delivers advice that goes straight to the head & heart - and in many cases, the funny bone -- helping women crack the code and decipher the men they're attracted to but don't understand. Today, he is a 'Celebrity Ambassador' for Stand Up To Cancer to which he's donates 5% of his book sales, and is keeping busy with his newest project, www.GoodHealthnFitness.com - a one-stop fitness site that boasts workout videos, nutritional videos and fitness tips and ideas. Natalie Getz is a Fashion Stylist/Consultant, Writer, and TV personality who resides in Los Angeles where she relocated to pursue her career in fashion.  She's most recognized for having competed for Jason Mesnick's heart on Season 13 of "The Bachelor" which led to being on the first season of "Bachelor Pad" which she ultimately won, alongside David Good.  Today, Natalie works as a stylist, TV host, manages fashionforwardsingles.com and getzstyle.com,  She is often featured commenting on celebrity fashion across many media outlets including: Access Hollywood, Extra, Life & Style Magazine, Too Fab TV and Shoes TV.  She recently co-hosted a webisode series with Melissa Rivers for SheKnows.com.     

Book: The Man Code: A Woman’s Guide To Cracking The Tough Guy.David Good defines “man code” as an unwritten code of conduct that governs the standard to which a man holds himself and other men. It is a guide to masculinity, as well as to the high degree of respect a man should pay the women in his life. “Understanding the code,” David says, “empowers women to get more out of their relationships with traditional ‘guy’s guys’.”

Book: The Man Code: A Woman’s Guide To Cracking The Tough Guy.David Good defines “man code” as an unwritten code of conduct that governs the standard to which a man holds himself and other men. It is a guide to masculinity, as well as to the high degree of respect a man should pay the women in his life. “Understanding the code,” David says, “empowers women to get more out of their relationships with traditional ‘guy’s guys’.”