Podcasts about Focused

You're conflicted. But you just don't KNOW how to approach your problem…especially if you're not a confrontational person. So sometimes, you just need a little help addressing the situation – and that's where we come in!We'll tell you what to text the person, line by line, and we'll help you resolve the problem…but you have to PROMISE to write EXACTLY what we tell you to.Her maid of honor is going through a divorce. She's worried that this divorce may cause extra stress, and she won't be able to focus on helping her. She needs our help letting her maid of honor know it's okay to back out if she needs to. See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/the-bert-show.

You're conflicted. But you just don't KNOW how to approach your problem…especially if you're not a confrontational person. So sometimes, you just need a little help addressing the situation – and that's where we come in!We'll tell you what to text the person, line by line, and we'll help you resolve the problem…but you have to PROMISE to write EXACTLY what we tell you to.Her maid of honor is going through a divorce. She's worried that this divorce may cause extra stress, and she won't be able to focus on helping her. She needs our help letting her maid of honor know it's okay to back out if she needs to. See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/the-bert-show.

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Join us with special guest Susi Rosinski to talk about Quigong. Qigong is an ancient Chinese Health Practice that was developed by Martial Artists,Military men,Tibetan Buddhist Monks and Hermits, scholars and physicians. It integrates Physical movements, Breath Work, and Focused intention. The slow, gentle movements are easily learned and can be adapted for anyone to do, and can be practiced by all age groups! Some Qigong Forms are stationary, while others are more moving. Some practices increase Qi- the Vital Life Force within all Living beings, while others Circulate Qi within, or use Qi to Cleanse and Heal the body, while others focus on storing Qi for Longevity, and others to Emit Qi to Heal others! Many Practices include a connection to the Natural Environment and to Nature itself! Qigong, from a truly Holistic view, is a complete system of Healthcare! Whether one is receiving Medical/Clinical Qigong Treatments, to doing Qigong Forms, Qigong can help many chronic, stubborn Health Challenges that Western Medicine finds difficult to treat. Using Medical/Clinical Qigong treatments to help the client who is either unaware of their Qi( giving them a direct experience of Qi in their bodies) to those who are to Ill to help themselves, Qi emissions, along with a Qigong Form, can profoundly influence the clients Health in a positive fashion! Qigong Forms create an awareness of our Internal Health of Body, Mind, Emotions and Spirit, that is not a part of Western Health practices or Exercises. As Qigong uses the Meridian System of Acupuncture, it helps remove blockages that one may not even be aware of, helping the Internal Organs to function properly! Adding Mind intent, along with Breathing Techniques to Physical movements, the benefits of exercise increase profoundly! The gentle, rhythmic movements of a consistent Qigong Practice can create Harmony Within ourselves, both Physically and Emotionally

David "Swivel" Smith, forced off the trail for seven weeks with a foot injury, stops by the studio to talk with Doc about his current thru hike of the AT. With the resumption of his thru hike just a few days away, Swivel shares his preparation and his experiences on this adventure of a lifetime. Along the way, they cover crucial German phrases to know, marching pigs, the physical toll of Jiu Jitsu, and how to obtain a Master's Degree from YouTube University. --- Support this podcast: https://anchor.fm/johnfreakinmuir/support

At the start of 2022, Oncotarget began publishing research papers in a continuous publishing format in yearly volumes. As of June 23, 2022, Oncotarget has published a total of 64 high-impact, oncology-focused papers within Volume 13. Oncotarget's Volume 13 consists of papers authored by numerous prestigious researchers and scientists from world-renowned institutions. Select papers in this Volume were chosen for inclusion in Oncotarget's Special Collections on breast and lung cancer research. Read the full press release - https://www.oncotarget.net/2022/06/23/oncotarget-new-oncology-focused-papers-published-in-volume-13/ Visit www.Oncotarget.com to read the latest publications in Volume 13. About Oncotarget: Oncotarget (a primarily oncology-focused, peer-reviewed, open access journal) aims to maximize research impact through insightful peer-review; eliminate borders between specialties by linking different fields of oncology, cancer research and biomedical sciences; and foster application of basic and clinical science. To learn more about Oncotarget, visit Oncotarget.com and connect with us on social media: Twitter – https://twitter.com/Oncotarget Facebook – https://www.facebook.com/Oncotarget YouTube – www.youtube.com/c/OncotargetYouTube Instagram – https://www.instagram.com/oncotargetjrnl/ LinkedIn – https://www.linkedin.com/company/oncotarget/ Pinterest – https://www.pinterest.com/oncotarget/ LabTube – https://www.labtube.tv/channel/MTY5OA SoundCloud – https://soundcloud.com/oncotarget For media inquiries, please contact: media@impactjournals.com.

My first ever sale in commercial printing was to my mom.  Yep, that's right. She worked at a dentist's office and bought business cards for the office from me. Turns out, my mom was not my ideal customer. Not because she was a bad customer by any means, but mostly because she was safe. And for the six months of doing commercial printing, those are the clients I went after. The ones I felt were easy to get into a conversation were the ones I went after. However, most of them ended up being overly demanding, not really knowing what they wanted, and I was on the backend fixing a lot of orders. It wasn't until I had a more senior coworker take me under his wing and push me to go after some bigger clientele. He said the bigger clientele knew what they wanted, and I wouldn't have to go through so much work after the order was finally put in. Thank god for this guy because who knows how much longer I would have been banging my head against the wall taking care of the little fish. LinksWebsite - https://successchampionnetworking.com/ (https://successchampionnetworking.com/) YouTube Video - (available soon) Blog - (available soon) Facebook Group https://www.facebook.com/groups/SuccessChampion (https://www.facebook.com/groups/SuccessChampion) Mentioned in this episode: F2F Launch F*cked to Focused is the roadmap/guide to take your business from growth mode to ultimate scale. It's not an exact blueprint. It's what worked for me but this is your damn business. Don't ever let someone tell you how to run your business. Read it, do it, and if it works, do it again. If it doesn't then try the next thing. Each chapter of this book is a resource to help you to grow and scale your business. https://donnieboivin.com/books/ F2F Launch F*cked to Focused is the roadmap/guide to take your business from growth mode to ultimate scale. It's not an exact blueprint. It's what worked for me but this is your damn business. Don't ever let someone tell you how to run your business. Read it, do it, and if it works, do it again. If it doesn't then try the next thing. Each chapter of this book is a resource to help you to grow and scale your business. https://donnieboivin.com/books/

Neurologist/Neuro-oncologist in Cleveland Clinic's Rose Ella Burkhardt Brain Tumor & Neuro-Oncology Center, Glen Stevens, DO, PhD, joins the Cancer Advances podcast to talk about the treatment of recurrent glioblastoma. Listen as Dr. Stevens discusses how a study mixing old principles with a new technique may disrupt the BBB, allowing chemotherapy to reach tumor cells.

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Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com  Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com  Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude #WithChude is a special series of targeted multimedia (video, audio, text, event) conversations and investigations that leverage the voice, network and passion of its host, Chude Jideonwo and his interviews, to underline issues, raise consciousness and spark movements; especially in Africa and for Africans. #WithChude has been revolutionary at the forefront of issues around sexual abuse, depression, HIV/AIDs, diversity, shame amongst others, and continues to break new ground – holding space, sharing grace, and calling in. Focused on narratives that enable and strengthen the mind (mental health), heart (emotional health) and spirit (spiritual health), its themes center on empathy, compassion, mindfulness, wellness, happiness, love, joy and food for the soul. Beyond inspiration, beyond motivation, this is about connection. #WithChude is a project of Joy, Inc.#MindHeartSpirit #LetsBeHumanTogether https://withchude.com/platforms Exclusive Patron-only Content See acast.com/privacy for privacy and opt-out information.

EP. #001 | 16JUN22 | Nothing to fear but fear itself Tonight on Don't Unfriend Me: Since I am on vacation till next week it is great to see Amy step up with her very first solo episode. Focused on the gold standard and the banking system of today, Amy tackles the topic of our over dependence on digital currency vs. capital. Join us for an all new Don't Unfriend Me. ⏺ Website: http://www.dontunfriendme.com ⏺ The DUM Store: https://the-d-u-m-zone-2.myshopify.com ⏺ Intro Music By: https://www.reverbnation.com/stiilpoint Follow us on all social media: @dontunfriendmeshow or @theDUMshow on Twitter/Gettr FDR, Banking System, Gold, Financial Crisis --- Send in a voice message: https://anchor.fm/dontunfriendmeshow/message Support this podcast: https://anchor.fm/dontunfriendmeshow/support

Summary: Emily Davidson Dukes is an Account Executive at Docebo - a Cloud-based, Software-as-a-Service (SaaS) Enterprise Learning Management System. Before discovering her passion for sales, she worked as a high school English teacher for Madison County Board of Education. In this episode we explore the links between teaching and selling and how Emily utilized her teaching skills to become a better seller. What did she do to sell importance of reading to her students? Emily stays true to herself in her sales role and we discuss how to let more of the best of you come to the surface in service of your clients. Emily also works as a freelance photographer and hosts the Learning Elevated Podcast by Docebo. As a person she is always genuine, Passionate about education, learning, & development, Optimistic about the future and Focused on the deltas. Key Moments: 02.18 - Selling by being human, treating people with respect. Being herself. 11:08 - Connection between teaching and selling 19:13 - Asking the right questions and building trust Connect with Emily https://www.linkedin.com/in/emilyddukes/ (LinkedIN) https://www.emilydukes.com/ (Emily's Photgraphy) Connect with Us! https://www.linkedin.com/company/53108426/admin/ (LinkedIN: ) https://stories-of-selling-human.captivate.fm/ (Website: )

OIS Podcast host Paul Karpecki, OD, sits down with Ashley Brissette, MD, who just launched an eye-focused cosmetic skincare line called Eye Revive by Daily Practice. Now assistant professor of ophthalmology at  Weill Cornell Medicine, New York Presbyterian Hospital, Dr. Brissette talks about her journey to physician and entrepreneur.We get to hear how the Canadian-born, one-time performing-arts student transitioned into medicine and made her way to New York City, where her roster of patients includes the New York Rangers and Savannah Guthrie of NBC News and “The Today Show.”After consistently being asked by female patients which consumer products were best for the skin around the eyes, Dr. Brissette decided to formulate the first and only 3-in-1 product to cleanse, hydrate, and remove makeup.This didn't come without its share of challenges and lessons. Listen in to learn more about this impressive young ophthalmologist and new business founder.  Click “play” to listen.

Disciplined, Consistency & Focused Routine | The Masters Lab | Dave Werth & Peter Hernandez by Douglas Elliman

Bringing you what you always wanted but never knew you wanted, it's another first class episode of the only podcast that gives you Arkansas news without the snooze. Since your eyes don't get much out of a podcast, here's a little visual preview of what your ears are getting. - NFPSP turns 2: $JGM - UPDATES?   + German fighter pilots in Fort Smith - UPDATES   + Russ Racop in/out of jail     * http://badlittlerock.blogspot.com     * http://badlittlerock.blogspot.com   + DB at recycling center   + back to the Fatherland for 3+1   + another pederast goes to prison   + attorneys get paid  - SPORTS! - News From 100 Years Ago - new LRPD chief checks out - anti-PRIDE boy from Arkansas arrested - ex-cop/current pederast in Camden ...and a few other things are waiting to be put into your hearing holes in this episode.  $JGM mail@notforprophets.net Web: notforprophets.net Instagram Twitter YouTube Spotify SpaceHey $JGM Thanks for hopping on the ride with me and I hope you dig it. Tap the SUBSCRIBE button to make sure you never miss a new weekly episode, or any of the bonus episodes that come out by surprise. If you're liking what's happing here, tell someone. Better yet, just grab their phone and subscribe for them. Do them the favor, okay? Interested in sponsoring the podcast, or want to reach out? Go for it.

In this episode of Ventures, my guest Tela Andrews (​​https://www.linkedin.com/in/telaandrews/) and I discuss all-things crypto taxes, bridge-building with regulators around the world, and his company Fyn (formerly https://bear.tax). We talk about how an efficient tax system in Web3 is good for everyone, what regulators need to know, what retail investors should be thinking about regarding their tax strategies, and how operators of businesses - especially CFOs - can efficiently run their books with crypto.Visit https://satchel.works/@wclittle/ventures-episode-102 for detailed notes and links to resources (videos, articles, etc…) mentioned. You can watch this episode via video here. 1:36 - tee-up for the episode / why we're having the conversation1:53 - Tela's Web3 story; how he got into it.3:01 - Focused on two things - 1) why/how is web3 good for the world? 2) What are the projects that are willing to play ball with regulators out there? 3:58 - Origin story of Fyn6:05 - What prompted the name change from Bear Tax to Fyn? 7:23 - What do consumer/retail investors need to know about Crypto taxes? (the basics – for both people operating businesses and people investing in crypto)11:05 - What do the average people out there need to stay to their accountants who may not be up to speed?12:32 - Should people be talking to their accountants right now to take losses? (not financial advice)14:13 - No wash sale rules in crypto?15:33 - Could be some advantages for some people to take some losses right now.16:05 - USA regulators - if all of congress were listening to this episode…what do they need to know?19:02 - Lots of money lost in tax inefficiency (https://home.treasury.gov/news/featured-stories/the-case-for-a-robust-attack-on-the-tax-gap – $6B annually)20:58 - What is the medium to long-term vision for Fyn?24:26 - For the businesses / nonprofits out there - - what advice does Tela have for CFOs out there accepting and working in crypto?26:27 - What inspires Tela about Web3? What kind of world does he want to see? (a more efficient economy)29:40 - Importance of the problem that Fyn is tackling30:08 - Building bridges vs. burning them. 30:57 - Final thoughts. An opportunity to create an entirely new way to cooperate with governments.32:11 - A note for Web3 product managers – take note how the Fyn team has done what they've done.32:45 - Where is a good place for people to follow up with Tela? ​​https://www.linkedin.com/in/telaandrews/ // https://twitter.com/tela 

Tiago Forte joins us to talk about his new book, building knowledge assets, and flipping the switch from consumer to creator.

The most important part about faith is where you put your focus! Fix it on Jesus! Learn more about vision church at www.visionnwa.com

What gets in the way for your business or product to succeed? One of the keys to success is focusing on selling internally as much as externally, and having the full support of every department. You also need to find and select the right person for a certain vertical or project in order to succeed. […]

Sometimes a small question can change the course of your career. It doesn't have to be complicated, and it doesn't have to be detailed. A well placed question might unearth information you didn't realize was in you.

The Cincinnati Reds slim hopes for contention in 2022 are over and it's time to sell. Jeff looks at why the Reds should trade all players who aren't highly probable to be a part of the next Reds team to carry expectations, in 2024. The Reds should trade Luis Castillo. The Reds should trade Tyler Mahle. The Reds should trade Brandon Drury. With all these trades, they can aim high, and the front office should deliver top flight prospects for the next successful Reds team. In these trades, they need to look for top outfielders and starting pitching talent. Guys like Robert Hassell III from the San Diego Padres, Andy Pages from the Los Angeles Dodgers, Daniel Espino from the Cleveland Guardians, and Ken Waldichuk from the New York Yankees should be names we hear. *SUBSCRIBE* on YouTube and *FOLLOW* the podcast on your favorite app and on Twitter and Instagram @lockedonreds Also follow @jefffcarr and @soffenbaker on Twitter Call or text (513) 549-0159 Support Us By Supporting Our Sponsors! Built Bar  Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Rock Auto  Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. LinkedIn LinkedIn Jobs helps you find the candidates you want to talk to, faster. Did you know every week, nearly 40 million job seekers visit LinkedIn? Post your job for free at LinkedIn.com/LOCKEDONMLB. Blue Nile  Make your moment sparkle with jewelry from Bluenile.com, and LOCKED ON SPORTS listeners get $50 off purchases of $500 or more using code LOCKEDON. Athletic Greens To make it easy, Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/MLBNETWORK  Sports Card Investor Download the Sports Card Investor App today and easily browse over 630K cards from every sport, with hundreds more added each week . Available for free in the Google Play and Apple App stores  or go to sportscardinvestor.com/lockedon Learn more about your ad choices. Visit podcastchoices.com/adchoices

Scott Peppet serves as the President of Chai Trust Company LLC, the private trust company that serves as the family office for Sam Zell (https://www.egizell.com/people/sam-zell/) and his family. Equity Group Investments (https://www.egizell.com/), a division of Chai trust, provides investment management services on its behalf. From 2000 to 2018, Scott was a professor of Law at the University of Chicago where he focused on Bargaining, Dispute Resolution, Translational Law, and the complexities of multigenerational family enterprises. Scott speaks regularly on Family Offices, Private Trust companies as well as Intergenerational Leadership while also maintaining an active website (https://scottpeppet.com/). Scott is a G2 family member. He is Sam Zell's son-in-law, having married Sam's eldest daughter. Standout Quotes: * "Business works on short wavelengths and family works on very long wavelengths" - [Peter Evans, Scott] * "What does it mean to try and help family members really develop and really take ownership, so they can figure out how to deploy what they have?" - [Scott] * "There are many different kinds of wealth… you probably aren't put on the earth to grow the financial capital, there's lots of professionals who can help you do that" - [Scott] * "Too often, the implicit message sent to family members is 'this system is really here to steward the money" - [Scott] * “Families rarely fail for taking too much risk, they fail for taking too little risk” - [Scott] * "My goal is to create a family-focused office, not a family office, and a trusted company, not a Trust company" - [Scott] * "If you want to succeed you have to have a family that understands what you're doing" - [Scott] Key Takeaways: * Scott is the President of Chai Trust Company, LLC, the private trust company that serves as the family office for Sam Zell and his family. Equity Group Investments, a division of Chai trust, provides investment management services on its behalf. From 2000 to 2018, Scott was a professor of Law at the University of Chicago where he focused on Bargaining, Dispute Resolution, Translational Law, and the complexities of multigenerational family enterprises. He speaks on Family Offices, Private Trust companies as well as Intergenerational Leadership while also maintaining his active website. Scott is a G2 family member, as he is Sam Zell's son-in-law. * Scott got married to Sam's older daughter 20 years ago while he was already teaching as a Law professor. Since then he got increasingly curious about family enterprises till he fully transitioned into working in the family enterprise. After a few months of knowing each other, they started dating but Scott had no idea about her family wealth till she opened up about it. * About Sam Zell: Sam is a serial entrepreneur, who first built a business in Real Estate, following which he turned to distressed Corporate Investing in the 80s, and then in the 90s, he created some of the largest REITs in the US today. He has continued to work on REITs and corporate investing since then. He has done several businesses over the years. Sam is also known for his straight talk, always making his stand clear in any discussion. He is also very astute and broad in his thinking. * As a Law professor, Scott worked on conflict intervention with corporations all over the world. When he started having kids, he got curious about how the family wealth could be managed productively for the family, especially for the kids. Sam encouraged him to work on it. Some authors that stood out in Scott's study were Jay Hughes and John Davis. * Scott describes the family structure; at the time Scott joined the family, Sam was 59 years, his 3 children were in their 30s, and as of now, there are 9 grandchildren. There was a form of governance structure, a board with his 3 children which wasn't functional as Sam made most decisions. However, now there has been a need to rebuild the structure as the company has evolved and this has been a huge part of Scott's focus since he moved full-time into the family enterprise. He has had to put in a lot of work to fully understand how the family enterprise functions; to make things change in a family system that often moves very slowly, you have to know where you're going. It involves a combination of urgency and patience, while thinking long-term, steps need to be taken early and consistently. Most of the family members are not employees, some of them are on the board. There is one board with both independent and family directors. * The business continues to be eclectic, investing across all kinds of sectors, especially with the benefit of permanent long-term capital. At the same time, complex actions and decisions can be taken quickly. Also, family learning and development are being built as the kids grow to become adults. * In the inflationary period currently, the business finds smaller companies that need capital and expertise to grow to the next level; companies that would rather grow their equity than sell to a PE company. These companies are great partners for the business since their interests are already aligned to grow the equity. * While most families would rather have more joy over more money, the reality is that many family members Scott has met around the world don't have that much joy or self-possessed ability to do things in the world. They often feel enmeshed in a family structure they have little control over. This is not good for the family or the external world that could be benefitting from the good such families could accomplish. * Laying the foundation for the next generation practically, Scott uses some rules. The first is based on the 5 Capitals; Not everyone is supposed to grow financial capital but they can add to the overall well-being of the family by building on the other forms of capital. Unfortunately, the experience in most families is that stewarding the money is the main goal, which is an implicit frame that must be dissolved. The second one is that each family member should participate meaningfully in every learning experience. Doing this means creating activities or agendas that are not solely about financial capital or the enterprise, although as the kids get older they get interested in the business itself. * To assess how well you're building human capital, score how often you were talking about money over the last few years in your family meeting. Most times it forms a huge percentage of those meetings, but in a setting where money isn't the focus, there is a push to find other topics that can help people open up. Scott's family has started experimenting with these kinds of meetings interspersed with other activities. * These kinds of meetings expose several overlapping purposes, help family members connect, offer a chance for content transfer, and contribute to self-development and self-growth. Different topics are often discussed and it becomes obvious how they are related. Listeners are encouraged to check Scott's curriculum diagram on his website. * There is often a dichotomy between responsible stewards and lazy inheritors, however, managing inherited wealth can be complicated. The general goal is to cultivate engaged owners and integrate financial capital into their lives productively, but there is no concrete formula on how to do it. * Most family offices should just be Money offices because all their time is focused on financial capital and legal risk such that the family itself is secondary. On the other hand, a family-focused office is there to grow the family's human capital as much as the financial capital. * Trust companies around the world have become ubiquitous in wealthy families although they often don't have much life in them. However, a trusted company is a part of the family ecosystem which goes beyond managing money to a level of trust-building with the family. That forms the basis of how Scott decides on whether or not progress is being made; 'what is the level of trust in the system?'. Not to downplay the role of financial investment, but there has to be synergy within the system. * Over the long term, families rarely fail for taking too much risk, they fail for taking too little risk. They focus so much on preservation because they are afraid of taking risks, and they wither in the end. Sam Zell still takes as much risk as he used to, not as a gamble but with a critical assessment of each situation. It is important to preserve the investment company with its risk-taking culture, and at the same time grow a family that can continue such activity over time. * The family enterprise avoids governing by committee, especially on the investment side, so as to move quickly. Having family members behind an entity is not a bad idea but there's no point in having many family members making every investment decision. In Scott's family enterprise, this bureaucracy is avoided by ensuring decisions are narrowed down to the exact professionals. Other bigger family questions can be discussed by the family as a whole. Mike's family employs Adhocracy which encourages a culture to challenge the slow slide into bureaucracy. * The team behind the family enterprises consists of about 85 people and functions as one entity that is the trust company, the family office, and the investment management company. There are investment professionals, lawyers, a family office and operations group, and accountants. All of these are interdependent. The company is mostly focused in the US but there are also real estate investments in other countries. * As an outsider joining the family, it is easy to simply be a critic which will result in pushback from the family. From the onset, Scott acted from a place of love for the family and was concerned with how to continue to build productivity within the family. He intentionally took time to study the family business all the while continuing his profession as a Law professor. He advises inlaws to keep their jobs for as long as possible till they are sure they can add value to the family enterprise. He also understands that being an inlaw comes with restrictions from certain roles, but rather than get overly perturbed about it, he focuses on the ways to be helpful in the family. * Scott has a background in communication, mediation, and negotiation which has been pivotal in building consensus in the family business. Ultimately, there is no playbook to navigate the complexities in a family enterprise. * A typical day in Scott's life involves some time spent on investments, working with boards or committees, family learning and development, as well as time spent on management. He has come to understand that his job is to get a grasp of the system as a whole; Sam explained to him that it will change from obligation to opportunity. * There are a few family heirlooms and the family has also documented some of its history like the story of Sam's family leaving Poland for the US. They do this mostly by putting together short films. It also serves as a way to communicate family values; Sam has always used art to communicate. * Scott's letter to his kids: We have the capacity as humans to grow into something greater, more awake, and more alive than we are now, into a different kind of existence. This is the uniqueness of being human; the constant evolution makes life wonderful. Episode Timeline: [00:50] Meet today's guest, Scott Peppet. [02:00] Scott's relationship with Sam Zell. [04:54] How would you describe Sam Zell? [09:18] Did you develop an interest in how family enterprises function before or after meeting the Zell family? [12:35] How complex was the family when you joined? [16:44] Did you have to contend with people with multiple hats in the family business? [19:04] What does the office look like today? [21:40] Is there any particular industry that has growing potential now as regards investment? [24:40] How do you plan to raise the next generation in the family enterprise? [35:17] Going beyond stewards' first inheritors. [37:35] Creating a family-focused office and a trusted Company. [42:10] How do you manage risk in the family ecosystem? [44:37] How do you fight bureaucracy as the office gets bigger? [49:05] How big is the family enterprise team? [51:50] What was it like joining the family and navigating the complexities of a family enterprise? [55:20] How helpful was your career in Law and conflict resolution in the family business? [56:55] A day in the life of the President of Chai Trust. [01:00:50] Is the family intentional about keeping things for historical sake? [01:05:02] Scott's letter to his kids For more episodes go to BusinessOfFamily.net (https://www.businessoffamily.net/) Sign up for The Business of Family Newsletter (https://www.businessoffamily.net/newsletter) Follow Mike on Twitter @MikeBoyd (https://twitter.com/MikeBoyd) If you feel it's appropriate, I'd so appreciate you taking 30 seconds to Leave a Review on iTunes (http://getpodcast.reviews/id/1525326745), I receive a notification of each review. Thank you! Special Guest: Scott Peppet.

Cherry Metal by Arthur Vyncke | https://soundcloud.com/arthurvostMusic promoted by https://www.free-stock-music.comCreative Commons Attribution-ShareAlike 3.0 Unportedhttps://creativecommons.org/licenses/by-sa/3.0/deed.en_US Link to our Patreon:https://www.patreon.com/7thlevelbardcast

Subject: Sunday AM Speaker or Performer: Pastor Sheerin Scripture Passage(s): Mark 5:21-24 Date of Delivery: June 19, 2022

How Private is Crypto? What About WhatsApp and Signal? Cryptocurrencies were thought to be like the gold standard of security, of having your information stay private. Maybe you don't want to use regular currency and transactions. It's all changed. [Automated transcript follows.] [00:00:14] We have had such volatility over the years when it comes to what are called cryptocurrencies. [00:00:21] Now I get a lot of questions about cryptocurrencies. First of all, let me say, I have never owned any cryptocurrencies and I do not own any crypto assets at all. Most people look at crypto currencies and think of a couple of things. First of all, an investment. An investment is something that you can use or sell, right? [00:00:42] Typically investments you don't really use. It's like a house. Is it an investment? Not so much. It's more of a liability, but people look at it and say listen, it went from what was a 10,000. Bitcoins to buy a pizza to, it went up to $50,000 per Bitcoin. There's a pretty big jump there. [00:01:03] And yeah, it was pretty big. And of course, it's gone way down and it's gone back up and it's gone down. It's gone back up. But the idea of any kind of currency is can you do anything with the currency? You can take a dollar bill and go and try and buy a cup of coffee. Okay. A $10 bill and buy a cup of coffee in most places anyways. [00:01:26] That sounds like a good idea. I could probably use a cup of coffee right now and get a tickle on my throat. I hate that. But if you have something like Bitcoin, where can you spend it? You might remember Elon Musk was saying, yeah, you can use Bitcoin to buy a Tesla. Also Wikipedia would accept donations. [00:01:45] Via Bitcoin, there were a number of places online that you could use. Bitcoin. In fact, there's a country right now in south central America that has Bitcoin as its currency. That's cool too. When you think about it, what is, so what are you gonna do? Latin American country? I'm trying to remember what it is. [00:02:05] Oh yeah. It's all Salvador. The first country in the world to adopt Bitcoin is an official legal tender. Now there's a number of reasons they're doing that and he can do it basically. If you got a dictator, you can do almost anything you want to. So in El Salvador, they've got apps that you can use and you can go and buy a tree taco using Bitcoin using their app. [00:02:31] So there you go. If you have Bitcoin, you can go to El Salvador and you can buy all of the tacos and other basic stuff you might wanna buy. But in general, No you can't just go and take any of these cryptocurrencies and use them anywhere. So what good are they as a currency? we already established that they haven't been good as an investment unless you're paying a lot of attention and you're every day buying and selling based on what the movement is. [00:02:59] I know a guy that does exactly that it's, he's a day trader basically in some of these cryptocurrencies, good for. But in reality, is that something that makes sense in a long term? Is that going to help him long term? I don't know. I really don't because again, there's no intrinsic value. [00:03:18] So some of the cryptocurrencies have decided let's have some sort of intrinsic value. And what they've done is they've created what are generally known as stable coins. And a stable coin is a type of cryptocurrency that behind it has the ability to be tied to something that's stable. So for instance, one that really hit the news recently is a stable coin that is tied to the us dollar. [00:03:46] And yet, even though it is tied to the us dollar and the coin is a dollar and the dollar is a coin. They managed to get down into the few pennies worth of value, kinda like penny. so what good was that, it has since come back up, some are tied to other types of assets. Some of them say we have gold behind us. [00:04:09] Kinda like what the United States used to do back when we were on the gold standard. And we became the petrol dollar where countries were using our currency are us dollars, no matter which country it was to buy and sell oil. Things have changed obviously. And we're not gonna talk about. The whole Petro dollar thing right now. [00:04:30] So forget about that. Second benefit. Third benefit is while it's crypto, which means it's encrypted, which means we're safe from anybody's spine on us, anybody stealing it. And of course that's been proven to be false too. We've seen the cryptocurrencies stolen by the billions of dollars. We've seen these cryptocurrencies lost by the billions of dollars as well. [00:04:58] That's pretty substantial. We get right down to it, lost by the billions because people had them in their crypto wallets, lost the password for the crypto wallet. And all of a sudden, now they are completely out of luck. Does that make sense to you? So the basic. Idea behind currency is to make it easier to use the currency than to say, I'll trade you a chicken for five pounds of nail. [00:05:25] Does that make sense to you? So you use a currency. So you say the chicken is worth five bucks. Actually chicken is nowadays is about $30. If it's a LA hen and those five pounds of nails are probably worth about $30. So we just exchanged dollars back and forth. I think that makes a lot of sense. One of the things that has driven up the value of cryptocurrencies, particularly Bitcoin has been criminal marketplaces. [00:05:53] As you look at some of the stats of ransoms that are occurring, where people's computers are taken over via ransomware, and then that person then pays a ransom. And what happens when they pay that ransom while they have to go find an exchange. Pay us dollars to buy cryptocurrency Bitcoin usually. And then they have the Bitcoin and they have to transfer to another wallet, whether or not the bad guys can use the money. [00:06:25] Is a, again, a separate discussion. They certainly can than they do because some of these countries like Russia are going ahead and just exchanging the critical currencies for rubs, which again, makes sense if you're Russia. Now we have a lot of criminals that have been using the Bitcoin for ransoms businesses. [00:06:49] Publicly traded businesses have been buying Bitcoin by the tens of millions of dollars so that they have it as an asset. In case they get ransom. Things have changed. There's a great article in NBC news, by Kevin Collier. And Kevin's talking about this California man who was scammed out of hundreds of thousands of dollars worth of cryptocurrency. [00:07:15] Now this was a fake romance scam, which is a fairly common one. It. It tends to target older people who are lonely and a romance starts online and they go ahead and talk and kind of fall in love. And it turns out she or he has this really almost terminal disease. If only they had an extra, a hundred thousand dollars to pay for the surgery. [00:07:45] You, you know the story, so he was conned out of the money. What's interesting to me is how the investigation and investigative ability has changed over the years. Probably about five years ago, I sat through a briefing by the secret service and. In that briefing, they explained how they had gone and very, quite cleverly tracked the money that was being sent to and used by this dark web operator who ran a site known as a silk road. [00:08:22] And that site was selling illegal things online. Oh, and the currency that they were tracking was Bitcoin. Yes, indeed. So much for cryptocurrency being secure it, five years ago, the secret service was able to do it. The FBI was able to do it and they couldn't do a whole lot about it. But part of the problem is all of your transactions are a matter of public record. [00:08:52] So if someone sends you a fraction of a Bitcoin. That is now in a ledger and that ledger now can be used because when you then spend. Fraction of a Bitcoin somewhere else, it can be tracked. It is tracked is a hundred percent guaranteed to be tracked. And once it's tracked government can get in. [00:09:15] Now, in this case, a deputy district attorney in Santa Clara county, California, was able to track the movement of the cryptocurrency. Yeah. So this district attorney, okay. Deputy district attorney, not the FBI, not the secret service, not the national security agency, a local district attorney in Santa Clara county, California, not a particularly huge county, but. [00:09:44] She was able to track it. And she said that she thinks that the scammer lives in a country where they can't easily extradite them. And so they're unlikely to be arrested at any time soon. So that includes countries like Russia that do not extradite criminals to the United States. Now getting into the details. [00:10:03] There's a great quote from her in this NBC news article, our bread and butter these days really is tracing cryptocurrency and trying to seize it and trying to get there faster than the bad guys are moving it elsewhere, where we can't. Grab it. So she said the team tracked the victim's money as it bounced from one digital wallet to another, till it ended up at a major cryptocurrency exchange where it appeared the scammer was planning to launder the money or cash out, they sent a warrant to the exchange. [00:10:35] Froze the money and she plans to return it to the victim. That is a dramatic reversal from just a few years back when cryptocurrencies were seen as a boon for criminals. Amazing. Isn't it? Stick around. We get a lot more to talk about here and of course, sign up online Craig peterson.com and get my free newsletter. [00:11:01] There have been a lot of efforts by many companies, Microsoft, apple, Google, to try and get rid of passwords. How can you do that? What is a password and what are these new technologies? Apple thinks they have the answer. [00:11:17] Passwords have been the bane of existence for a long while. And if you'd like, I have a special report on passwords, where I talk about password managers, things you can do, things you should do in order to help keep your information safe, online things like. [00:11:34] Bank accounts, et cetera. Just email me, Craig peterson.com and ask for the password special report and I'll get it to you. Believe me it's self-contained it's not trying to get you to buy something. Nothing. It is entirely about passwords and what you can do again, just email me, me@craigpeterson.com and we'll get right back with you. [00:11:56] Give us a couple of days, passwords are a problem. And over the years, the standards for passwords have changed. I remember way back when some of the passwords might be 2, 3, 4 characters long. and back then, those were hard to crack. Then Unix came along. I started using Unix and when was that? [00:12:16] Probably about 81. And as I was messing around with Unix, I. They used to had a couple of changes in how they did passwords. They added assault to it. They used basically the same cipher that the Germans used in world war II, that enigma cipher, which again was okay for the times today, we have much more powerful ciphers and the biggest concern right now, amongst real cybersecurity people. [00:12:43] Government agencies is okay. So what are we going to do when these new quantum computers come along with their artificial intelligence and other things, that's going to be a bit of a problem because quantum computers are able to solve problems in fractions of a second. Even that traditional computers cannot solve it. [00:13:10] It's a whole different thing. I want you to think. Something here. I, if you have a handful of spaghetti now we're talking about hard spaghetti, not cooked spaghetti and they all dried out and they are a varying links. How could you sort those into the smallest to largest, if you will, how could you find which ones were the longest, perhaps? [00:13:37] Which ones were the shortest? There's an analog way of doing that and there's a digital way of doing that. So the digital way for the computer would be. To measure them all and compare the measurements and then identify how long the longest one was. And then maybe you'd have to go back and try and find that. [00:13:55] So you can imagine that would take some time, the analog way of doing that. Cuz there still are analog computers out there and they do an amazing job in certain tasks, but the analog way of doing that is okay. So you take that bundle of various length spaghetti and you slam it on the table. What's gonna happen while those pieces of dried spaghetti are going to self align, right? [00:14:22] The shortest ones are going to be down at the bottom and the tallest one's gonna be sticking out from the top. So there you go. There's your tallest, your longest pieces of spaghetti, and it's done. Instantly. So that's just an idea here, quantum, computing's not the same thing, but that's a comparison really of digital and analog computers, but it's the same type of thing. [00:14:45] Some of these problems that would take thousands of years for digital computer. To work out, can just take a fraction of a second. It's absolutely amazing. So when we're looking at today's algorithms, today's programs for encrypting things like military information, secret telegrams, if you will going back and forth in inside the secretary of state embasies worldwide. [00:15:10] Today they're considered to be quite secure, but with quantum computing what's gonna happen. So there are a lot of people out there right now who are working on trying to figure out how can we come up with an algorithm that works today with our digital computers and can be easily solved by quantum computer. [00:15:34] We have a pretty good idea of how quantum computers are going to work in the future, how they work right now, but this really gets us to the next level, which is cool. Franklin. That's a little bit here about cybersecurity. How about you and your password? How does this all tie in? [00:15:51] There are a few standards out there that people have been trying to pass is it's no longer the four character password you might remember. Oh, it needs to be eight to 10 characters, random mix of upper lowercase, special digits, character numbers. You remember those? And you should change it every 30 days. [00:16:09] And those recommendations changed about three or four years ago when the national Institute of standards and technology said, Hey guys pass phrase is much better than the, what we've been doing because people are gonna remember it and it can be longer. So if you are using I have some past phrases I use that are 30 characters or more. [00:16:33] And I mix up the case and I mix up mix ins on special characters and some numbers, but it's a phrase that I can remember and I have different phrases for different websites. Cause I use a password manager right now. I have about 3,100 entries in my password manager. That's a lot. And I bet you have a lot more passwords or at least a lot more websites and accounts than you realize. [00:17:03] And so that gets to be a real problem. How do you make all of this work and make it easy for people? One of the ways that that. They're looking at using is something called the Fido alliances technique. And the idea behind Fido is actually similar to what I do right now. Cause I use one password.com. [00:17:24] I have an app on my phone and the phone goes ahead and gives me the password. In fact, it'll. Put it in. I have plugins in my browsers. It'll put it right into the password form on the website. And then it'll ask me on my phone. Hey, is that really you? And I'll say yes, using duo and TA I'm logged in it's really quite cool. [00:17:48] Fido is a little different than that, but the same, the whole idea behind Fido is you registered a website and the website will send a request to the Fido app. That's on your phone. So now on your phone, you'll use biometrics or maybe one time pass key, those six digit keys that change every 30 seconds. [00:18:13] And so now you on your phone, you say yeah. That's me. That's good. That's me. Yeah. Okay. And then the app will exchange with the website using public key cryptography. A public key and it's gonna be unique public key for that website. So it'll generate a private key and a public key for that website. [00:18:35] And now TA a, the website does not have your password and cannot get your password. And anytime you log in, it's going to ask you on your smartphone. Is this. And there's ways beyond smartphones. And if you wanna find out more about passwords, I've got, again, that free, special report, just Craig peterson.com. [00:18:59] Email me, just email me@craigpeterson.com and I'll make sure we send that off to you and explains a lot about passwords and current technology. So Fido is one way of doing this and a few different companies have gone ahead and have invested some. Into final registration, because it requires changes on the websites as well in order to. [00:19:25] With Fido. Now you might use a pin, you might use the biometrics, et cetera, but apple has decided they've come up with something even better. Now there's still a lot of questions about what apple is doing, but they are rolling it into the next release of iOS and also of Mac operating system. And you'll be able to use that to secure. [00:19:48] Log into websites. I think Apple's gonna get a lot of traction on this and I think it's gonna be better for all of us involved here. We'll see. There's still a lot of UN unanswered questions, but I'll keep you up to date on this whole password technology stick around. [00:20:08] There are ways for us to communicate nowadays easy ways, but are the easy ways, the best ways, the question here, frankly. And part of this answer has to do with WhatsApp and we'll talk right now. [00:20:23] Many people have asked me about secure messaging. You probably know by now that sending text messages is not secure. [00:20:34] In fact, it could be illegal if you have any personal information about. Patients or maybe employees, you just can't send those over open channels. So what apple has done for instance is they've got their messaging app and if the message is green, it's just reminding you that this is a text message. Now they stuck with green because that was the industry's standard. [00:21:01] Green does not mean safe in the apple world when it comes to iMessage. Blue does. So they've got end to end encryption. So if the message is blue, that means the encryptions in place from side to side, there are on the other end of the spectrum. There are apps like telegram, which are not. Particularly safe. [00:21:22] Now, telegram has pulled up it socks a little bit here, but in order to have end to end encryption and telegram, you have to manually turn it on. It is not on by default. I also personally don't trust telegram because of their background, things that they've done in the past. Avoid that. [00:21:43] WhatsApp is something I've been asked about. I had a family member of a service member who was overseas, ask if WhatsApp was safe for them to communicate on cuz they didn't want third parties picking. Private messages, things you say and do online with friends and family are not necessarily things there are for public consumption. [00:22:06] So the answer that I gave was yeah, you might remember Facebook getting WhatsApp. They bought it and deciding they were going to make some changes to the privacy settings in. now that was really a big mistake. They said we're gonna add advertisements. How are you going to effectively advertise? [00:22:27] If you don't know what we're talking about, have you noticed advertising platforms? If you look up something or someone else in your house looks up something, if your neighbors are looking up, they assume that you might be interested in it as well. So what do they do? They go ahead and show you ads for that brand new pair of socks that you never really cared about, but because the algorithms in the background figured yeah, that's what you've been talking about. [00:22:55] Let's pass out your pair of socks. So if Facebook is going to. Add into WhatsApp, what's going to happen. Are they going to be monitoring what you're saying? And then sending you some of these messages, right? These ads, because of that, a lot of people started looking for a more secure. Platform and that's frankly, where Moxi Marlin spike comes in a fun name, the bloom in this case, but he started a company called signal. [00:23:30] He didn't just start it. He wrote the code for it, the server code, everything. And the whole idea behind signal was to have a guaranteed safe end to end way to communicate. A third party with a friend, a relative, et cetera. So signal is something that I've used in the past. And I used from time to time now, as well, depending on who I'm talking to. [00:23:56] And it does allow you to send messages. It does allow you to talk. You can do all kinds of stuff with it. So now there's an issue with signal. It's disappointing. Moxi has stepped down from running signal. There's a company behind it in January, 2022. And he said, the company's begin off. They can run themselves. [00:24:19] He's still on the board of direct. And the guy who's currently the head of signal is also a very privacy focused guy, which is really good too signal by the way is free. And you can get it for pretty much any platform you would care to have it for a very nice piece of software. I like what they've done. [00:24:38] Now the problem is that some of those people at signal have decided that they should have a way of making payments inside signal. So a few months ago, they went ahead and added into signal, a piece of software that allows you to send. Payments online. Now this is a little concerning and the let's talk about some of the reasons for the concern. [00:25:09] Basically what we're seeing is a cryptocurrency that Moxi himself helped to put in place now, I guess that's good cuz he understands it. It's supposedly a cryptocurrency that is privacy. Focused. And that's a good thing. What type of crypto is it? That's privacy focused. And how good is it going to be? [00:25:34] Those are all good questions, but here's the biggest problem. I think that comes from this. We've got our friends at Facebook, again, trying to add crypto payments to their various messenger and other products. We're seeing that from a lot of these communication systems, cuz they can skim a little off the top legally, charge you a fee and then make their money that way. But. What happens when you put it into an encrypted messaging app? Bottom line, a lot of bad things can happen here because now all of a sudden you come under financial regulations, right? Because you are performing a financial. Function. So now potentially here, there could be criminal misuse of the app because you could have ransomware and they say, reach us on signal. [00:26:33] Here's our signal account. And go ahead and send us crypto. it's called mobile coin by the way, this particular cryptocurrency. So now all of a sudden you are opening up the possibility of all kinds of bad things happening and your app signal, which was originally great for messaging now being used nefariously. [00:26:57] I think that's a real problem. Now, when it comes to money transfer functions with cryptocurrencies to say that they're anonymous, I think is a hundred percent a misnomer because it's really pseudo anonymous. It's never completely anonymous. So now you've increased the legal attack surface here. So now the various regulators and countries around the world can say, Hey. [00:27:26] This is no longer just a messaging app. You are using it to send money. We wanna track all money transactions. And so what does that mean? That means now we need to be able to break the encryption or need to shut down your app, or you need to stop the ability to send money. So the concern right now with signal is we really could have some legal problems with signal. [00:27:53] And we could potentially cause some real life harm. On the other side of, this is what Moi Marlin spike has been really driving with signal over the years, which is we don't want anyone to be able to break into signal. So there's a particularly one Israeli based company that sells tools that you can buy that allow you to break into smartphone. [00:28:20] And they're used by everybody from criminals. You can even buy some of these things on eBay. And they're used also by law enforcement agencies. So he found that there was a bug in one of the libraries that's used by this Israeli soft. To where that causes it to crash. And so he puts some code into signal, at least he threatened to that would cause any of the scanning software that tries to break into your smartphone to fail to crash. [00:28:53] Yeah. Yeah. Cool. Greg Peterson here, online Craig peterson.com and really you are not alone. [00:29:09] I got some good news about ransomware and some bad news about B E C business email compromise. In fact, I got a call just this just this week from someone who had in fact again, had their operating account emptied. [00:29:27] Ransomware is a real problem, but it's interesting to watch it as it's evolved over the years. [00:29:36] We're now seeing crackdowns driving down ransomware profits. Yes, indeed. Ransomware's ROI is dropping the return on investment. And so what we're starting to see is a drive towards more. Business email compromise attack. So we'll talk about those, what those are. And I have a couple of clients now that became clients because of the business email compromises that happened to them. [00:30:10] A great article that was in this week's newsletter. You should have received it Tuesday morning from me. If you are signed up for the free newsletter. Craig peterson.com/subscribe. You'll get these usually Tuesday morning. It's my insider show notes. So you can get up to speed on some of the articles I'm talking about during the week that I talk about on the radio. [00:30:38] And of course talk about here on the radio show and podcast and everything else as well. So what we're seeing here, according to dark readings, editor, Becky Bracken is some major changes, a pivot by the bad guys, because at the RSA conference, they're saying that law enforcement crackdowns try cryptocurrency regulations. [00:31:05] We've been talking about that today and ransomware as a service operator. Downs are driving the return on investment for ransomware operations across the world all the way across the globe. So what is ransomware as a service? I think that's a good place to start because that has really been an Albert Cross around our next for a long time. [00:31:30] The idea with ransomware is they get you to download some software, run some software that you really should not be running. That makes sense to you. So you get this software on your computer, it exfil trades files. So in other words, it takes files that you have sends them. Off to the bad guys. And then once it's done that, so it'll send like any word files, it finds Excel, other files. [00:32:00] It might find interesting once it's done that, then it goes ahead and encrypts those files. So you no longer have access to them and it doesn't just do them on your computer. If you share a drive, let's say you've got a Gdrive or something else on your computer that is being mounted from either another computer or maybe a server. [00:32:24] It will go ahead and do the same thing. With those files. And remember it, isn't just encrypting because if you have a good backup and by the way, most businesses that I've come into do not have a good backup, which is a real problem because their backups fail. They haven't run. I had one case where we helped the business out and it had been a year and a half since they had a successful backup and they had no. [00:32:52] They were dutifully carrying home. These USB drives every day, plug in a new one in, and the backups were not running. Absolutely amazing. So anyhow, ransomware is a service then. So they've encrypted your files. They've exfiltrated. In other words, they've taken your files and then they demand a ran. [00:33:14] So usually it's like this red screen that comes up and says, Hey all your files are belong to us and you need to contact us. So they have people who help you buy Bitcoin or whatever they're looking for. Usually it's Bitcoin and send the Bitcoin to them. And then they'll give you what's hopefully a decryption. [00:33:38] Now what's particularly interesting about these decryption keys is they work about half of the time. So in other words, about half of the time, you'll get all your data back about half the time. You will not, it's just not good. So if you are a small operator, if you are just a small, bad guy and it's you and maybe somebody else helping you, you got your nephew there helping you out. [00:34:03] How are you going to. Help these people that you're ransoming by the cryptocurrency. How are you going to threaten them with release of their documents online? Unless you have a staff of people to really help you out here? That's where ransomware's a service comes in. The whole idea behind RA is. [00:34:25] You can just be a one man shop. And all you have to do is get someone to open this file. So you go ahead and register with the ransomware service provider and they give you the software and you embed your little key in there, so they know it's you. And then you send it off in an email. You might try and mess with those people to get them to do something they shouldn't do. [00:34:49] And. That's all you have to do because once somebody opens up that file that you sent them, it's in the hand of these service guys and ransomwares the service guys. So the, these ransomwares of service people will do all of the tech support. They'll help people buy the Bitcoin. They'll help them pay the ransom. [00:35:11] They'll help them recover files, to a certain extent. Does this make sense to you? Yeah, it's kinda crazy. Now I wanna offer you, I've got this document about the new rules for backup and again, it's free. You can get it. No problem. Just go ahead and email me, me@craigpeterson.com m@craigpeterson.com because the backups are so important and. [00:35:38] Just like password rules have changed. The rules have changed for backups as well. So just drop me an email me@craigpeterson.com and ask for it and we'll make sure we send it off to you and is not trying to sell you more stuff. Okay. It's really is explaining the whole thing for you. I'm not holding anything back. [00:35:54] These ransoms, the service operators, then get the payment from you and then pay a percentage anywhere from 80% to 50%, sometimes even lower to the person who ransom due. Isn't that just wonderful. So our law enforcement people, as well as in other countries have been going after the ransomware as a service providers, because if they can shut down. [00:36:21] These RAs guys just shutting. One of them down can shut down thousands of small ransomware people. Isn't that cool works really well. So they have been shut down. Many of them there's one that just popped its head back up again. After about six months, we'll see how far they get, but it is a very big. [00:36:46] Blow to the whole industry, ransomware really because of these O as a service operators has become a centralized business. So there's a small number of operators responsible for the majority of these thousands of hundreds of thousands of attacks. Really. It's probably worse than. So couple of dis big groups are left the KTI group and lock bit, and they've got more than 50% of the share of ransomware attacks in the first half of 2022. [00:37:18] But now they're going after them. The feds. And I think that makes a whole lot of sense, because who do you go for while you go for the people who are causing the most harm and that's certainly them. So I expect they'll be shut down sometimes soon, too. Ransomware had its moment over the last couple of years, still a lot of ransomware out there, still a lot of problems, but now we're seeing B C business, email compromise tactics, and I did a. [00:37:50] At television appearance, where I was working with the the newsmaker or whatever they call them, talking heads on that TV show and explaining what was happening. And the most standard tactic right now is the gift card swindle. I should put together a little video on this one, but it was all, it's all about tricking employees into buying bogus gift cards. [00:38:18] So this good old fashioned Grif is still working. And what happened in our case is it was actually one of the newscasters who got an email, supposedly from someone else saying, Hey we wanna celebrate everybody. And in order to do that, I wanna give 'em all gift cards. So can you go out and buy gift cards? [00:38:42] And so we messed around with them. It was really fun and said, okay what denomination, how many do you think we need? Who do you think we should give them to? And of course we knew what we were doing. Their English grammar was not very good. And it was really obvious that this was not. [00:38:59] The person they were pretending to be. So that happens and it happens a lot. They got into a business email account, the email account of that newscaster. So they were able to go through their email, figure out who else was in the business, who was a trusted source inside of the business. So they could pretend that that they were that newscaster and send emails to this trusted source. [00:39:31] And today these business email compromise attacks are aimed at the financial supply chain. And once these threat actors are inside, they look for opportunities to spoof vendor emails, to send payments to controlled accounts. And the worst case I know of this is a company that sent $45 million. To a scammer. [00:39:57] And what happened here is the, this woman pretended to be the CEO who was out of the country at the time and got the CFO to wire the money to her. An interesting story. We'll have to tell it to you sometime, but it's a real problem. And we just had another one. We've had them in school districts, look, 'em up online, do a duck dot, go search for them and you'll find them right. [00:40:24] Left and center because social engineering works. And frankly, business email compromise is a clear threat to businesses everywhere. I, as I mentioned, we had one listens to the show, contact us just last week. Again, $40,000 taken out of the operating account. We had another one that had a, I think it was $120,000 taken out of the operating account. [00:40:53] And another one that had about $80,000 taken outta the operating account. Make sure you're on my newsletter. even the free one. I do weekly free trainings. Craig peterson.com. Make sure you subscribe now. [00:41:10] Facebook's about 18 years old coming on 20 Facebook has a lot of data. How much stuff have you given Facebook? Did you fall victim for that? Hey, upload your contacts. We'll find your friends. They don't know where your data is. [00:41:26] It's going to be a great time today because man. This whole thing with Facebook has exploded here lately. [00:41:35] There is an article that had appeared on a line from our friends over at, I think it was, yeah. Let me see here. Yeah. Yeah. Motherboard. I was right. And motherboards reporting that Facebook doesn't know what it does with your data or. It goes now, there's always a lot of rumors about different companies and particularly when they're big company and the news headlines are grabbing your attention. [00:42:08] And certainly Facebook can be one of those companies. So where did motherboard get this opinion about Facebook? Just being completely clueless about your personal data? It came from a leaked document. Yeah, exactly. So I, we find out a lot of stuff like that. I used to follow a website about companies that were going to go under and they posted internal memos. [00:42:38] It basically got sued out of existence, but there's no way that Facebook is gonna be able to Sue this one out of existence because they are describing this as. Internally as a tsunami of privacy regulations all over the world. So of course, if you're older, we used to call those TIAL waves, but think of what the implication there is of a tsunami coming in and just overwhelming everything. [00:43:08] So Facebook internally, they, their engineers are trying to figure out, okay, so how do we deal? People's personal data. It's not categorized in ways that regulators want to control it. Now there's a huge problem right there. You've got third party data. You've got first party data. You've got sensitive categories, data. [00:43:31] They might know what religion you are, what your persuasions are in various different ways. There's a lot of things they might know about you. How are they all CATA categorized? Now we've got the European union. With their gen general data protection regulation. The GDPR we talked about when it came into effect back in 2018, and I've helped a few companies to comply with that. [00:43:56] That's not my specialty. My specialty is the cybersecurity side. But in article five, this European law mandates that personal data must be collected for specified explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes. So what that means is that every piece of data, like where you are using Facebook or your religious orientation, Can only be collected and used for a specific purpose and not reused for another purpose. [00:44:34] So there's an example here that vice is giving in past Facebook, took the phone number that users provided to protect their accounts with two factor authentication and fed it to its people, feature as well as. Advertisers. Yeah. Interesting. Eh, so Gizmoto with the help of academic researchers caught Facebook doing this, and eventually the company had to stop the practice. [00:45:01] Cuz this goes back to the earlier days where Facebook would say, Hey, find out if your friends are on Facebook, upload your contacts right now. And most people. What did you know back then about trying to keep your data private, to try and stop the proliferation of information about you online and nothing. [00:45:21] I think I probably even uploaded it back then thinking that'd be nice to see if I got friends here. We can start chatting, et cetera. According to legal experts that were interviewed by motherboard who wrote this article and has a copy of the internal me memo, this European regulation specifically prohibits that kind of repurposing of your phone number of trying to put together the social graph and the leak document shows that Facebook may not even have the ability to limit. [00:45:53] how it handles users data. Now I was on a number of radio stations this week, talking about this and the example I gave, I is just look at an average business from the time it start, Facebook started how right. You scrape in pictures of young women off of Harvard universities. Main catalog, contact page, and then asking people what do you think of this rate? This person rate that person and off they go, trying to rate them. Yeah. All that matters to a woman, at least according to mark Zuckerberg or all that matters about a woman is how she looks. Do I think she's pretty or not ridiculous what he was doing? [00:46:35] I, it just, oh, that's Zuckerberg, right? That's. Who he is not a great guy anyways. So you go from stealing pictures of young ladies asking people to rate them, putting together some class information and stuff there at Harvard, and then moving on to other universities and then opening up even wider and wider. [00:47:00] And of course, that also created demand cuz you can't get on. If you're not at one of the universities that we have set it up for. And then you continue to grow. You're adding these universities, certain you're starting to collect data and you're making more money than God. So what do you do? You don't have to worry about inefficiencies. [00:47:20] I'll tell you that. One thing you don't have to do is worry about, oh, GE we've got a lot of redundant work going on here. We've got a lot of teams working on basically the same thing. No, you've got more money than you can possibly shake a stick at. So now you go ahead and send that money to this group or that group. [00:47:41] And they put together all of the basic information, that, that they want. They are. Pulling it out of this database and that database, and they're doing some correlation writing some really cool sequel queries with some incredible joins and everything else. And now that becomes part of the main code for Facebook. [00:48:02] And then Facebook goes on to the next little project and they do the same thing. Then the next project, then the next project. And then someone comes along and says Hey, we. This feature, that feature for advertisers and then in that goes, and then along comes candidate Obama. And they, one of the groups inside Facebook says yeah here we go. [00:48:25] Here's all of the information we have about everybody and it's free. Don't worry about it. And then when Trump actually bought it and hired a company to try and process some of that information he got in trouble. No but the Obama. The whole campaign could get access to anything they wanted to, again, because the data wasn't controlled, they had no idea who was doing what with the data. [00:48:50] And according to this internal memo, they still don't know. They don't even know if they can possibly comply with these regulations, not just in Europe, but we have regulations in pretty much all of the 50 states in the us Canada of course, has their own Australia, New Zealand think about all the places. [00:49:12] Facebook makes a lot of money. So here's a quote from that we build systems with open borders. The result of these open systems and open culture is well described with an analogy. Imagine you hold a bottle of ink in your hand, the bottle of ink is a mixture of all kinds of user data. You pour that ink into a lake of water. [00:49:34] Okay. And it flows every. The document red. So how do you put that ink back in the bottle, in the right bottle? How do you organize it again? So that it only flows to the allowed places in the lake? They're totally right about that. Where did they collect it from it? Apparently they don't even know where they got some of this information. [00:49:58] This data from reminds me of the no fly list. You don't know you're on it and you can't get yourself off of it. It is crazy. So this document that we're talking about was written last year by. Privacy engineers on the ad and business product team, whose mission is to make meaningful connections between people and businesses and which quote sits at the center of a monetization strategy. [00:50:22] And is the engine that powers Facebook's growth. Interesting problems. And I see this being a problem well into the future for more and more of these companies, look at Twitter as an example that we've all heard about a lot lately. And I've talked about as well along comes Elon Musk and he says wait a minute now. [00:50:41] Now I can make Twitter way more profitable. We're gonna get rid of however many people it's well over a thousand, and then we are going to hire more people. We're gonna start charging. We're gonna be more efficient. You can bet all of these redundancies that are in Facebook are also there on Twitter. and Twitter also has to comply with all of these regulations that Facebook is freaking out about. [00:51:09] It, for really a very good reason. So this document is available to anybody who wants to look at it. I'm looking at it right now, talking about regulatory landscape and the fundamental problems Facebook's data lake. And this is a problem that most companies have not. As bad as Facebook does, but most companies, you grow. I have yet to walk into a business that needs help with cybersecurity and find everything in place as it should be, because it grew organically. You started out with a little consumer firewall, router and wifi, and then you added to it and you put a switch here and you added another switch behind that and move things around. [00:51:54] This is normal. This is not total incompetence on the part of the management, but my gosh, I don't know. Maybe they need an Elon Musk. Just straighten them out as well. Hey, stick around. I'll be right back and sign up online@craigpeterson.com. [00:52:13] Apparently looting is one of the benefits of being a Russian soldier. And according to the reports coming out of Ukraine, they've been doing it a lot, but there's a tech angle on here that is really turning the tables on these Russian looters. [00:52:30] This is really something, we know in wars, there are people that loot and typically the various militaries try and make sure, at least recently that looting is kept to an absolute minimum. [00:52:45] Certainly the Americans, the British, even the Nazis during world war II the the socialists they're in. Germany they tried to stop some of the looting that was going on. I think that's probably a very good thing, because what you end up with is just all of these locals that are just totally upset with you. [00:53:10] I found a great article on the guardian and there's a village. Had been occupied for about a month by Russian troops and the people came back, they are just shocked to see what happened. They're giving a few examples of different towns. They found that alcohol was stolen and they left empty bottles behind food rappers, cigarette butts, thrown all over the place in apartments and homes. [00:53:39] Piles of feces blocking the toilets, family photographs torn, thrown around the house. They took away all of the clothes. This is a code from one of the people, literally everything, male and female coats, boots, shirts, jackets, even my dresses and lingerie. This is really something. It, the Soviets didn't do this, but now Russian. [00:54:02] Military apparently does. So over the past couple of weeks, there've been reporting from numerous places where Russian troops had occupied Ukrainian territory and the guardian, which is this UK newspaper collected evidences suggests looting by Russian forces was not merely a case of a few way, word soldiers, but a systematic part of Russian military behavior across multiple towns. [00:54:29] And villages. That's absolutely amazing. Another quote here, people saw the Russian soldiers loading everything onto Euro trucks, everything they could get their hands on a dozen houses on the villages. Main street had been looted as well as the shops. Other villagers reported losing washing machines, food laptops, even as sofa, air conditioners. [00:54:53] Being shipped back, just you might use ups here, they have their equivalent over there. A lady here who was the head teacher in the school. She came back in, of course, found her home Lood and in the head teacher's office. she found an open pair of scissors that had been jammed into a plasma screen that was left behind because if they can't steal it, they're gonna destroy it. [00:55:19] They don't only leave anything behind. They found the Russians had taken most of the computers, the projectors and other electronic equipment. It's incredible. So let's talk about the turnaround here. A little. You might have heard stories about some of these bad guys that have smashed and grabbed their way into apple stores. [00:55:38] So they get into the apple store. They grab laptops on iPads, no longer iPods, cuz they don't make those anymore. And I phones. And they take them and they run with them. Nowadays there's not a whole lot of use for those. Now what they have been doing, some of these bad guys is they take some parts and use them in stolen equipment. [00:56:03] They sell them on the used market, et cetera. But when you're talking about something specific, like an iPhone that needs specific activation. Completely different problem arises for these guys because that iPhone needs to have a SIM card in order to get onto the cell network. And it also has built in serial numbers. [00:56:26] So what happens in those cases while apple goes ahead and disables them. So as soon as they connect to the internet, let's say they put 'em on wifi. They don't get a SIM card. They don't. service from T-Mobile or Verizon or whoever it might be. So now they disconnect to the wifi and it calls home, cuz it's gonna get updates. [00:56:45] So on download stuff from the app store and they find that it's been bricked. Now you can do that with a lot of mobile device managers that are available for. All kinds of equipment nowadays, but certainly apple equipment where if a phone is lost or stolen or a laptop or other pieces of equipment, you can get on the MDM and disable it, have it remotely erased, et cetera. [00:57:11] Now, police have had some interesting problems with that. Because a bad guy might go ahead and erase a smartphone. That's in the evidence locker at the police station. So they're doing things like putting them into Fairday cages or static bags or other things to try and stop that. So I think we've established here that the higher tech equipment is pretty well protected. [00:57:36] You steal it. It's not gonna do you much. Good. So one of the things the Russian stole when they were in it's called I think you pronounce it. Mela me pole which is again, a Erian city is they stole all of the equipment from a farm equipment dealership and shipped it to Chenia. Now that's according to a source in a businessman in the area that CNN is reporting on. [00:58:06] So they shipped this equipment. We're talking about combines harvesters worth 300 grand a piece. They shipped it 700 miles. and the thieves were ultimately unable to use the equipment, cuz it had been locked remotely. So think about agriculture equipment that John Deere, in this case, these pieces of equipment, they, they drive themselves. [00:58:33] It's autonomous. It goes up and down the fields. Goes any pattern that you want to it'll bring itself within a foot or an inch of your boundaries, of your property being very efficient the whole time, whether it's planting or harvesting, et cetera. And that's just a phenomenal thing because it saves so much time for the farmer makes it easier to do the companies like John Deere. [00:58:58] Want to sell as many pieces of this equipment as they possibly can. And farming is known to be a, what not terribly profitable business. It certainly isn't like Facebook. So how can they get this expensive equipment into the hands of a lot of farmers? What they do is they lease it. So you can lease the equipment through leasing company or maybe directly from the manufacturer and now you're off and running. [00:59:26] But what happens if the lease isn't paid now? It's one thing. If you don't pay your lease on a $2,000 laptop, right? They're probably not gonna come hunting for you, but when you're talking about a $300,000 harvester, they're more interested. So the leasing company. Has titled to the equipment and the leasing company can shut it off remotely. [00:59:51] You see where I'm going with this so that they can get their equipment in the hands of more farmers cuz the farmers can lease it. It costs them less. They don't have to have a big cash payment. You see how this all works. So when the Russian forces stole this equipment, that's valued. Total value here is about $5 million. [01:00:11] They were able to shut it all. And obviously, if you can't start the engine, because it's all shut off and it's all run by computers nowadays, and there's pros and cons to that. I think there's a lot of cons, but what are you gonna do? How's that gonna work for you? It. Isn't going to work for you. [01:00:32] And they were able to track it. It had GPS trackers find out exactly where it was. That's how they know it was taken to Chenia and could be controlled remotely. And in this case, how'd they control it. They completely. Shut it off. Even if they sell the harvesters for spare parts, they'll learn some money, but they sure can be able to sell 'em for the 300 grand that they were actually worth. [01:00:57] Hey, stick around. We'll be right back and visit me online@craigpeterson.com. If you sign up there, you'll be able to get my insider show note. And every week I have a quick five. Training right there in your emails, Craig Peter san.com. That's S O N in case you're wondering. [01:01:22] If you've been worried about ransomware, you are right to worry. It's up. It's costly. And we're gonna talk about that right now. What are the stats? What can you do? What happens if you do get hacked? Interesting world. [01:01:38] Ransomware has been a very long running problem. I remember a client of ours, a car dealership who we had gone in. [01:01:49] We had improved all of their systems and their security and one of their. People who was actually a senior manager, ended up downloading a piece of ransomware, one of these encrypted ones and opened it up and his machine, all of a sudden TA, guess what it had ransomware on it. One of those big reds. [01:02:12] Greens that say pay up is send us this much Bitcoin. And here's our address. All of that sort of stuff. And he called us up and said, what's going on here? What happened? First of all, don't bring your own machine into the office. Secondly, don't open up particularly encrypted files using the password that they gave. [01:02:33] and thirdly, we stopped it automatically. It did not spread. We were able to completely restore his computer. Now let's consider here at the consequences of what happened. So he obviously was scared. And within a matter of a couple of hours, we actually had him back to where he was and it didn't spread. [01:02:59] So the consequences there they weren't that bad. But how about if it had gotten worse? How about if they ransomware. Also before it started holding his computer ransom, went out and found all of the data about their customers. Would, do you think an auto dealership would love to hear that all of their customer data was stolen and released all of the personal data of all of their customers? [01:03:25] Obviously not. So there's a potential cost there. And then how long do you think it would take a normal company? That thinks they have backups to get back online. I can tell you it'll take quite a while because the biggest problem is most backups don't work. We have yet to go into a business that was actually doing backups that would work to help restore them. [01:03:52] And if you're interested, I can send you, I've got something. I wrote up. Be glad to email it back to you. Obviously as usual, no charge. and you'll be able to go into that and figure out what you should do. Cause I, I break it down into the different types of backups and why you might want to use them or why you might not want to use them, but ransomware. [01:04:15] Is a kind of a pernicious nasty little thing, particularly nowadays, because it's two, two factor, first is they've encrypted your data. You can't get to it. And then the second side of that is okay I can't get to my data and now they're threatening to hold my data ransom or they'll release. So they'll put it out there. [01:04:38] And of course, if you're in a regulated industry, which actually car dealers are because they deal with financial transactions, leases, loans, that sort of thing you can lose your license for your business. You can U lose your ability to go ahead and frankly make loans and work with financial companies and financial instruments. [01:05:00] It could be a very big deal. so there are a lot of potential things that can happen all the way from losing your reputation as a business or an individual losing all of the money in your operating account. And we, again, we've got a client that we picked up afterwards. That yes, indeed. They lost all of the money in their operating account. [01:05:24] And then how do you make payroll? How do you do things? There's a new study that came out from checkpoint. Checkpoint is one of the original firewall companies and they had a look at ransomware. What are the costs of ransomware? Now bottom line, I'm looking at some stats here on a couple of different sites. [01:05:44] One is by the way, KTI, which is a big ransomware gang that also got hacked after they said we are going to attack anyone that. That doesn't defend Vlad's invasion of Ukraine, and then they got hacked and their information was released, but here's ransomware statistics. This is from cloud words. First of all, the largest ransom demand is $50 million. [01:06:11] And that was in 2021 to Acer big computer company. Now 37% of businesses were hit by ransomware. In 2021. This is amazing. They're expecting by 2031. So in about a decade, ransomware is gonna be costing about $265 billion a year. Now on average Ransomware costs businesses. 1.8, 5 million to recover from an attack. [01:06:41] Now that's obviously not a one or two person place, but think of the car dealer again, how much money are they going to make over the year or over the life of the business? If you're a car dealer, you have a to print money, right? You're selling car model or cars from manufacturer X. And now you have the right to do that and they can remove that. [01:07:03] How many tens, hundreds of millions of dollars might that end up costing you? Yeah. Big deal. Total cost of ransomware last year, 20 billion. Now these are the interesting statistics here right now. So pay closer attention to this 32% of ransomware victims paid a ransom demand. So about her third paid ransom demand. [01:07:27] Last. It's actually down. Cuz my recollection is it used to be about 50% would pay a ransom. Now on average that one third of victims that paid a ransom only recovered 65% of their data. Now that differs from a number I've been using from the FBI. That's a little bit older that was saying it's little better than 50%, but 65% of pain victims recovered their data. [01:07:55] Now isn't that absolutely amazing. Now 57% of companies are able to recover the data using a cloud backup. Now think about the different types of backup cloud backup is something that can work pretty well if you're a home user, but how long did it take for your system to get backed? Probably took weeks, right? [01:08:19] For a regular computer over a regular internet line. Now restoring from backup's gonna be faster because your down link is usually faster than your uplink. That's not true for businesses that have real internet service ours. It's the same bandwidth up as it is down. But it can take again, days or weeks to try and recover your machine. [01:08:39] So it's very expensive. And I wish I had more time to go into this, but looking at the costs here and the fact that insurance companies are no longer paying out for a lot of these ransomware attacks, it could be incredibly expensive for you incredibly. So here you. The number one business types by industry for ransomware tax retail. [01:09:13] That makes sense. Doesn't it. Real estate. Electrical contractors, law firms and wholesale building materials. Isn't that interesting? And that's probably because none of these people are really aware, conscious of doing what, of keeping their data secure of having a good it team, a good it department. So there's your bottom line. [01:09:40] Those are the guys that are getting hit. The most, the numbers are increasing dramatically and your costs are not just in the money. You might pay as a ransom. And as it turns out in pretty much every case prevention. Is less expensive and much better than the cure of trying to pay ransom or trying to restore from backups. [01:10:06] Hey, you're listening to Craig Peterson. You can get my weekly show notes by just going to Craig peterson.com. And I'll also send you my special report on how to do passwords stick around will be right back. [01:10:24] You and I have talked about passwords before the way to generate them and how important they are. And we'll go over that again a little bit in just a second, but there is a new standard out there that will eliminate the need for passwords. [01:10:40] I remember, I think the only system I've ever really used that did not require passwords was the IBM 360. [01:10:49] Yeah, 360, you punch up the cards, all of the JCL you feed the card deck in and off it goes. And does this little thing that was a different day, a different era. When I started in college in university, we. We had remote systems, timeshare systems that we could log into. And there weren't much in the line of password requirements in, but you had a username. [01:11:18] You had a simple password. And I remember one of our instructors, his name was Robert, Andrew Lang. And his password was always some sort of a combination of RA Lang. So it was always easy to guess what his password was. Today, it has gotten a lot worse today. We have devices with us all of the time. [01:11:40] You might be wearing a smart watch. That requires a password. You of course probably have a smart phone. That's also maybe requiring a password, certainly after boots nowadays they use fingerprints or facial recognition, which is handy, but has its own drawbacks. But how about the websites? You're going to the systems you're using when you're at work and logging in, they all require passwords. [01:12:10] And usernames of some sort or another well, apple, Google, and Microsoft have all committed to expanding their support for a standard. That's actually been out there for a few years. It's called the Fido standard. And the idea behind this is that you don't have to have a password in order to log. Now that's really an interesting thing, right? [01:12:37] Just looking at it because we're so used to having this password only authentic. And of course the thing to do there is make sure you have for your password, multiple words in the password, it should really be a pass phrase. And between the words put in special characters or numbers, maybe mix. [01:12:59] Upper lowercase a little bit. In those words, those are the best passwords, 20 characters, 30 characters long. And then if you have to have a pin, I typically use a 12 digit pin. And how do I remember all of these? Cuz I use a completely different password for every website and right now, Let me pull it up. [01:13:21] I'm using one password dot com's password manager. And my main password for that is about 25 characters long. And I have thirty one hundred and thirty five. Entries here in my password manager, 3,100. That is a whole lot of passwords, right? As well as software licenses and a few other things in there. [01:13:48] That's how we remember them is using a password manager. One password.com is my favorite. Now, obviously I don't make any money by referring you there. I really do like that. Some others that I've liked in the past include last pass, but they really messed. With some of their cybersecurity last year and I lost my faith in it. [01:14:08] So now what they're trying to do is make these websites that we go to as well as some apps to have a consistent, secure, and passwordless sign in. and they're gonna make it available to consumers across all kinds of devices and platforms. That's why you've got apple, Google, and Microsoft all committing to it. [01:14:32] And you can bet everybody else is going to follow along because there's hundreds of other companies that have decided they're gonna work with the Fido Alliance and they're gonna create this passwordless future. Which I like this idea. So how does this work? Basically you need to have a smartphone. [01:14:50] This is, I'm just gonna go with the most standard way that this is going to work here in the future. And you can then have a, a. Pass key. This is like a multifactor authentication or two factor authentication. So for instance, right now, when I sign into a website online, I'm giving a username, I'm giving a password and then it comes up and it asks me for a code. [01:15:14] So I enter an a six digit code and that code changes every 30 seconds. And again, I use my password manager from one password dot. In order to generate that code. So that's how I log into Microsoft sites and Google sites and all kinds of sites out there. So it's a similar thing here now for the sites for my company, because we do cyber security for businesses, including regulated businesses. [01:15:41] We have biometrics tied in as. so to log into our systems, I have to have a username. I have to have a password. I then am sent to a single sign on page where I have to have a message sent to my smart device. That then has a special app that uses biometrics either a face ID or a fingerprint to verify who I am. [01:16:06] Yeah, there's a lot there, but I have to protect my customer's data. Something that very few it's crazy. Actual managed security services providers do, but it's important, right? By the way, if you want my password. Special report, just go to Craig peterson.com. Sign up for my email list. [01:16:29] I'll send that to you. That's what we're sending out right now for anyone who signs up new@craigpeterson.com. And if you'd like a copy of it and you're already on the list, just go ahead and email me M E. At Craig peterson.com and ask for the password special report where I go through a

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Techstination interview: Vital Hero wearable from Bandai Namco focused on fun and fitness

UCF Football coach Gus Malzahn joins The Bridge to discuss the now official big news of UCF joining the Big XII in 2023 and talks about how everyone in the program finds the news great but understands 2022 is where everyone needs to be focused. He also talks about changes to the transfer process, how he has adapted to recruiting in Florida and more.

Professional Sales Tips you'll learn today on The Sales Podcast... Lessons from billionaires They all have a process They have a startup they bootstrapped They threw themselves into their businesses for 12+ hours/day for 2-7 years Focused on customer acquisition Followed "The E-Myth" They saw themselves as the entrepreneur from the beginning They are visionaries Their explicit goals were to build a business so valuable they could sell it They do three things Does something better, faster, cheaper than the competition Makes people feel better, easier to use, less frustration Quicker ROI  Earning more than they spent Related episodes and posts The E-Myth Copywriting 101 They sell once they build a solid business Transition into being a meta-entrepreneur Now they buy and run multiple businesses in the same space and has one acquire the other Buy a business run by an owner/CEO who runs it like they are an employee They are excited, fast talkers They are not doing things that keep them stuck They are not answering customer support emails They are not filling out paperwork They are not tweaking the logo Legacy, emotional value About 85-90% of us "have a book in us" Gain "first-author advantage" Become the expert, the authority, the expert Mail an autographed copy of your book to your ideal prospects People have good attention spans for good content Books that get finished can become best-sellers Create flow Get the headline right Open the loop, open another, open another, close the most recent, then the second, then the opening loop Gain first-author advantage." Be leery of tactical advice...it loses context Functional, emotional, economic Get 100% clear on your promise of value Title Subtitle Make a bold claim Overwhelm readers with functional value despite making a big claim Cultivate the feeling of overwhelm in the reader Offer them a CTA to learn more or get additional support or hire us Existing customers are much more likely to buy from you than a new prospect When they buy your book they have self-identified as someone who invests in their own growth Make four offers from low to high Book Course, masterclass, guide, community Coaching, consulting so you can engage with my team Done for you "Become Immune to Manipulation," by Noah Revoy Dr. Philip Ovadia, "Stay Off My Operating Table" Sales Growth Tools Mentioned In The Sales Podcast Book a call with Joshua Lisec Get Joshua's courses on copywriting

How deeply do you know yourself? Martin Friedman, Senior Consultant and Strategic Projects Coordinator at Soul Focused Group, shares the power of self actualizing and how that supports human solidarity. We talk about the noise from the world around us and the myth of race versus the reality of racism.  Trigger warning: We do discuss childhood sexual abuse and addiction though not in detail. Put your mental wellness first.  Learn more about Soul Focused Group Message Jackie: jackie@inspiredjourneyconsulting.com  Work with IJC

You are what you eat. Garbage in, garbage out. The list of sayings go on and on. This week we're taking a look at some healthy things we can express.   Here is our list of healthy outputs!   Journaling Conversations with a counselor Creating something – Video, photo, graphics, woodworking, anything to do with moving your hands. Focused production work See omnystudio.com/listener for privacy information.

The House select committee investigating the Capitol insurrection on Thursday detailed how former President Donald Trump tried to pressure his vice president to join in his scheme to overturn the presidential election. Two witnesses testified at Thursday's hearing who advised Pence that he did not have the authority to subvert the election. To learn more about how CNN protects listener privacy, visit cnn.com/privacy

Tammira Philippe is the President and CEO of Bridgeway Capital Management in Houston, Texas, where they are committed as a firm to put 50% of their earnings back into the world. Focused on creating returns for humanity, Tammira is a leader full of energy, dedication, and with a special focus on cultivating and leading a diverse team.In episode 95, Leadmore host John Meyer talks with Tammira about giving back as a leader and an organization, leadership transitions, and personal drive and ambition. Tammira reflects on the winding path of her career and the decision to dedicate herself to one industry as a leader.Tammira was taught early in her career how to find a place to both lead and follow, and has been putting that into practice ever since. A lifelong learner with humility, adaptability, and energy, Tammira's spirit and heart for her work and others shines through in this episode.Journey to Bridgeway (10:30)Leading in Capital Management (17:10)Leadership Transition (25:25)What's on the Horizon (34:10)Check out Bridgeway Capital ManagementFollow Tammira on TwitterRead Tammira's book recommendation, Conscious Capitalism

EPISODE 70: The Building Blocks Program is an individualized behavior program to help support children with autism. Marshall Pediatric Therapy offers both a comprehensive and collaborative approach to your child's therapeutic treatment with a focused-based model.

My first ever sale in commercial printing was to my mom.  Yep, that's right. She worked at a dentist office and bought business cards for the office from me. Turns out, my mom was not my ideal customer. Not because she was a bad customer by any means, but mostly because she was safe. And for the six months of doing commercial printing, those are the clients I went after. The ones I felt were easy to get into a conversation were the ones I went after. However, most of them ended up being overly demanding, not really knowing what they wanted, and I was on the backend fixing a lot of orders. It wasn't until I had a more senior coworker take me under his wing and push me to go after some bigger clientele. He said the bigger clientele knew what they wanted, and I wouldn't have to go through so much work after the order was finally put in. Thank god for this guy because who knows how much longer I would have been banging my head against the wall taking care of the little fish. LinksWebsite - https://successchampionnetworking.com/ (https://successchampionnetworking.com/) YouTube Video - (available soon) Blog - (available soon) Facebook Group https://www.facebook.com/groups/SuccessChampion (https://www.facebook.com/groups/SuccessChampion) Mentioned in this episode: F2F Launch F*cked to Focused is the roadmap/guide to take your business from growth mode to ultimate scale. It's not an exact blueprint. It's what worked for me but this is your damn business. Don't ever let someone tell you how to run your business. Read it, do it, and if it works, do it again. If it doesn't then try the next thing. Each chapter of this book is a resource to help you to grow and scale your business. https://donnieboivin.com/books/ F2F Launch F*cked to Focused is the roadmap/guide to take your business from growth mode to ultimate scale. It's not an exact blueprint. It's what worked for me but this is your damn business. Don't ever let someone tell you how to run your business. Read it, do it, and if it works, do it again. If it doesn't then try the next thing. Each chapter of this book is a resource to help you to grow and scale your business. https://donnieboivin.com/books/

Eighty-six partners from different sectors across Canada have come together with a singular focus: to set a benchmark and identify the key indicators that establish a baseline for Canada’s food safety and sustainability. The process and findings also create transparency within the industry, which ultimately could create trust or showcases opportunities for improvement and growth.... Read More

Anissa Hudak's life has been intertwined with PTSD, Trauma, and the military. As the daughter of a Vietnam veteran, and military spouse to an OEF/OIF veteran, she saw the struggles others were having which inspired her to create the Trauma Healing Yoga Therapy Program. In this episode, we talk about the program and how it can help those who have suffered trauma in their lives.

Tuberculosis is an airborne bacterial infection caused by an organism called myobacterium tuberculosis. It's spread through the air from person to person such as when someone with pulmonary tuberculosis coughs or sneezes. In this episode, we're diving into the key things to know about tuberculosis for your nursing school exams: Tuberculosis pathophysiology and risk factors Signs/symptoms of tuberculosis Key assessments for tuberculosis Interventions, including pharmacology Patient teaching Details about the tuberculin skin test and what different levels of induration indicate I hope this overview of tuberculosis helps you prepare for NCLEX, clinical and nursing school exams! Check out the article and references here to maximize your learning. For more respiratory topics, click here. HCA Healthcare: Are you a new grad nurse looking for an organization that supports your transition into practice? Then you'll definitely want to check out HCA Healthcare's robust nurse residency program. Study Sesh: Are you tired of sitting at your desk staring at a book or a screen? Change the way you study with Study Sesh.     RATE, REVIEW AND FOLLOW! If this episode helped you, please take a moment to rate and review the show! This helps others find the podcast, which helps me help even more people :-) Click here, scroll to the bottom, then simply tap to rate with 5 stars and select, "write a review." I'd love to hear how the podcast has helped you! If you're not following yet, what are you waiting for? It takes just a quick moment and the episodes show up like magic every Thursday. And, when I release a bonus episode, those show up, too! You'll never miss a thing! In Apple Podcasts, just click on the three little dots in the upper right corner here. Know someone who would also love to study with me? Share the show or share specific episodes with your classmates...when we all work together, we all succeed! On Apple Podcasts, the SHARE link is in the same drop-down as the follow link. Spread the love! Thanks for studying with me! Nurse Mo

Whether we're trying to grow our real estate businesses by relationship or recruit agents, the warmer the referral we can get the easier our chances become.Why use gimmicks to get someone through the door when a testimonial on our behalf from someone they trust can work a lot better?KW's Michael Repasky is able to generate warm recruitment leads by letting agent connections in his office do the leg work and remove the need for high-pressure sales.In this episode, he shares why this approach is so effective, and the steps we can take to be better communicators and leaders.Three Things You'll Learn In This EpisodeHow Michael recruits over 90 agents every year through referralsHow does built-in trust do the leg work for us when it comes to building relationships? How to connect data to a buying decisionWhy do we need to develop the skill of genuine curiosity? The key to great culture and leadershipWhy is it so important for leaders to have as many perspectives as possible?Guest BioMichael Repasky is the Chief Executive Officer of Keller Williams Greater Metropolitan in Ohio. He is an accomplished leader across merchandise planning, finance, strategic planning, and operations. Focused on growth and winning for my clients and companies, leveraging diverse experience to help meet their needs and help them achieve their goals. For more information, email michael.repasky@kw.com or call  216-352-3334. 

“We like instruction. We need instruction. But preaching is meant to be so much more than that. It's not just data transfer . . . it's wanting people to encounter Jesus Himself.” – Sam AllberryIn this episode of You're Not Crazy, Ray Ortlund and Sam Allberry discuss sermon preparation for a gospel culture.• Introductions (0:00)• What are we asking the Lord to do? (1:45)• Not developing our own brand (7:06)• Study and preparation, alliterated (11:06)• Digging (15:50)• Waiting (16:28)• Writing (18:21)• Recommended resource: Crossway Scripture Journals (19:33)Explore more from Ray Ortlund on sermon preparation.

As a gym owner, your method and your model will likely evolve over time. Your method should be "client centric": It should be based on what your clients need. Your model is there to give clients your service in the way they want to buy it. At Chris Cooper's gym, Catalyst, the Prescriptive Model guides the business. The prescription changes over time to serve the exact needs of clients, and the model reflects that. Your method might be Pilates or yoga or CrossFit—but the "meta" model should always be prescriptive: tailored to the needs of the client. The Prescriptive Model helps you provide clients with 10-out-of-10 service now and evolve to keep doing that forever.2:10 - Focused strength story: parking lot barbells4:19 - Reaching the limits of the model7:37 - The method and the model11:47 - Adapting your method and your model 13:38 - Maintaining a client-centered approach16:58 - Striking a balance

This is a companion podcast for this morning's mantra - I am focused See omnystudio.com/listener for privacy information.

Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com   Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com   Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude #WithChude is a special series of targeted multimedia (video, audio, text, event) conversations and investigations that leverage the voice, network and passion of its host, Chude Jideonwo and his interviews, to underline issues, raise consciousness and spark movements; especially in Africa and for Africans. #WithChude has been revolutionary at the forefront of issues around sexual abuse, depression, HIV/AIDs, diversity, shame amongst others, and continues to break new ground – holding space, sharing grace, and calling in. Focused on narratives that enable and strengthen the mind (mental health), heart (emotional health) and spirit (spiritual health), its themes center on empathy, compassion, mindfulness, wellness, happiness, love, joy and food for the soul. Beyond inspiration, beyond motivation, this is about connection. #WithChude is a project of Joy, Inc.#MindHeartSpirit #LetsBeHumanTogether https://withchude.com/platforms Exclusive Patron-only Content See acast.com/privacy for privacy and opt-out information.

Barrett is a truly awesome person. He started off as an enlisted Infantryman in the Marine Corps and has been deeply involved in supporting the veteran community since:Founder, Evocati, LLC: a public relations and consulting firm that partners with leading businesses around the country to grow their investment within the military-connected sectorClose to a decade working at the VA where he focused on policies concerning the GI Bill, which we talk about heavily in the show. Vice President,  Public Relations and Chapter Engagement for Student Veteran of America George W. Bush Foundation Stand-To Veteran Leadership Program Fellow Co-Author of "Called to Lead" from the Center for a New American Security, which examined the connections between military service and higher education leadership rolesBunker Labs Veterans in Residence ProgramExecutive Board Member: The Paradigm Switch, a leading nonprofit that helped military spouses work anywhere in the worldStanford Ignite Post-9/11 Veterans Program alumni Resources mentioned:Free ATS Resume Scanner | SkillSyncerVeteran Opportunity Report | Social Impact (linkedin.com)Ep. 71: Working In The Entertainment Industry after the Marines with Michael Broderick | The Veteran (Semi) Professional

What does it mean to live your best life? What does it mean to self-actualize? It's easy to fall into the trap of chasing status, titles, or physical property; but isn't what really matters to you based more on your values? If so, your best life could be much closer than it seems. On this week's podcast, we'll explore personal and professional growth with coach Michael Balchan.  Listen and learn: Why top performers have coaches The importance of stacking wins Celebrating success each step of the way How traction is the opposite of distraction How to outsmart our worst habits and become the best version of ourselves Links Heroic ABOUT OUR GUEST Michael Balchan is Head Coach and Chief of Staff of Heroic. He's a Harvard-trained behavioral economist and psychologist, who spent almost a decade in finance before becoming a sought-after performance coach to executives and leadership teams. Nutritional Tip of the Week Cinnamon for blood sugar Like the Show? Leave us a Review on iTunes

Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com   Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude Watch the full episode here: http://watch.withchude.comListen to the extended play podcast here: https://listen.withchude.com   Buy #TheDailyVulnerable book here: shop.withchude.comSponsor a subscription for people who can't afford it here: partner.withchude.comDonate to the work via Patreon here: partner.withchude.com Partner with us through your institution or organization here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude #WithChude is a special series of targeted multimedia (video, audio, text, event) conversations and investigations that leverage the voice, network and passion of its host, Chude Jideonwo and his interviews, to underline issues, raise consciousness and spark movements; especially in Africa and for Africans. #WithChude has been revolutionary at the forefront of issues around sexual abuse, depression, HIV/AIDs, diversity, shame amongst others, and continues to break new ground – holding space, sharing grace, and calling in. Focused on narratives that enable and strengthen the mind (mental health), heart (emotional health) and spirit (spiritual health), its themes center on empathy, compassion, mindfulness, wellness, happiness, love, joy and food for the soul. Beyond inspiration, beyond motivation, this is about connection. #WithChude is a project of Joy, Inc.#MindHeartSpirit #LetsBeHumanTogether https://withchude.com/platforms Exclusive Patron-only Content See acast.com/privacy for privacy and opt-out information.

Our guest today is Elizabeth Larkam, a Nationally certified Pilates teacher. Elizabeth has a very extensive background in human anatomy and physiology and used this knowledge to design Pilates programs for the center for sports and dance medicine at Saint Francis Memorial Hospital in San Francisco. From 1985 until 2000, Elizabeth helped countless patients return to health. She also helped to pioneer the Pilates Method Alliance® initiative called, “Heroes in Motion.” Through this experience, she was awarded the Medal of the Danish Society of Military Medicine in recognition of her efforts to improve the rehabilitation of wounded soldiers.In 2017, Handspring published her book, Fascia in Motion: Fascia-focused movement for Pilates. She has also written the Pilates chapter for another book, Fascia in Sport and Movement. If you're one of the subscribers of Pilates Anytime, the educational online platform, perhaps you've seen Elizabeth in action in any of her 48 videos. She hosts the online webinars, ‘Moved to Learn!' and "Pilates Applications for Health Conditions” for movement educators and manual therapists. For more information about Elizabeth Larkam: elizabethlarkam@gmail.comMusic credits: Soul Blues Piano Shuffle by Boom ZoomSpecial recording artist: Sukhawat Ali KhanFacebook: sukhawatalikhanInstagram:  alikhansdua

Be Focused on Your Career - Concentrate on You Not Others!   ➡️When you're ready....ways I can HELP YOU! http://takemia.com http://themindmechanic.net http://mindtuneuptimelive.com

The most common aspect of owning an Architecture Firm is wondering where the next project will come from. This pressure can kill the joy of running your practice. One of the most powerful ways to avoid this is to picking the right niche. In a recent episode on how to earn 6 figures or more as an architect - choosing the right niche was one of the 7 tips I gave. From the vault today, we have John Sofio, founder of Built Inc., who started out in residential design build almost 30 years ago. Today, his firm has niched into designing and building some of the most iconic nightclubs around the United States.   ► Access your free training at http://SmartPracticeMethod.com/ ► If you want to speak directly to our advisors, book a call at https://www.businessofarchitecture.com/call ► Subscribe to my YouTube Channel for updates: https://www.youtube.com/c/BusinessofArchitecture ******* For more free tools and resources for running a profitable, impactful, and fulfilling practice, connect with me on: Facebook: https://www.facebook.com/groups/businessofarchitecture Instagram: https://www.instagram.com/enoch.sears/ Website: https://www.businessofarchitecture.com/ Twitter: https://twitter.com/BusinessofArch Podcast: http://www.businessofarchitecture.com/podcast iTunes: https://podcasts.apple.com/us/podcast/business-architecture-podcast/id588987926 Android Podcast Feed: http://feeds.feedburner.com/BusinessofArchitecture-podcast ******* Access the FREE Architecture Firm Profit Map video here: http://freearchitectgift.com Download the FREE Architecture Firm Marketing Process Flowchart video here: http://freearchitectgift.com Come to my next live, in-person event: https://www.businessofarchitecture.com/live Carpe Diem!

Chris and Rob explain why they think the Golden State Warriors should be concerned about Draymond Green's level of focus after he said he takes his podcasting as seriously as he takes basketball, and tell us if the Warriors lineup change in Game 4 will make a difference against the Boston Celtics. Plus, comedian and podcast host Aries Spears swings by to discuss Rob's stand-up comedy routine, why he's such a big Michael Jordan fan, unveil his Joel Embiid and Kendrick Perkins impersonations, and much more! See omnystudio.com/listener for privacy information.