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SANS Internet Stormcenter Daily Network/Cyber Security and Information Security Stormcast
No Internet Access: SSH to the Rescue If faced with restrictive outbound network access policies, a single inbound SSH connection can quickly be turned into a tunnel or a full-blown VPN https://isc.sans.edu/diary/No%20Internet%20Access%3F%20SSH%20to%20the%20Rescue!/31932 SAMSUNG magicINFO 9 Server Flaw Still exploitable The SAMSUNG magicINFO 9 Server Vulnerability we found being exploited last week is apparently still not completely patched, and current versions are vulnerable to the exploit observed in the wild. https://www.huntress.com/blog/rapid-response-samsung-magicinfo9-server-flaw Bring Your Own Installer: Bypassing SentinelOne Through Agent Version Change Interruption SentinelOne s installer is vulnerable to an exploit allowing attackers to shut down the end point protection software https://www.aon.com/en/insights/cyber-labs/bring-your-own-installer-bypassing-sentinelone Commvault Still Exploitable A recent patch for Commvault is apparently ineffective and the PoC exploit published by watchTowr is still working against up to date patched systems https://infosec.exchange/@wdormann/114458913006792356
In this episode, we highlight vitamin D₃ in gastrointestinal health, with a focus on intestinal barrier function and the gut-immune axis. We discuss how vitamin D is metabolized into its active form, 1,25-dihydroxyvitamin D, and how 1,25-dihydroxyvitamin D can support the intestinal mucosa, while highlighting the intestinal epithelium and immune cells in the lamina propria. Through this, we further detail the role of regulatory T cells in supporting immune balance and modulating immune function.Topics:1. Introduction - Highlighting intestinal barrier function and the gut-immune axis with a focus on vitamin D₃ 2. Vitamin D Synthesis and Metabolism - Skin and 7-dehydrocholesterol; dietary intake.- Transported through the bloodstream bound to vitamin D binding protein.- First hydroxylation in the liver to form 25-hydroxyvitamin D₃ (25(OH)D₃).- Testing.- Second hydroxylation in the kidney to form the active 1,25 dihydroxyvitamin D₃ (1,25(OH)₂D₃).- Local activation also occurs. 3. Intestinal Barrier Anatomy - The intestinal epithelium forms a selectively permeable monolayer that interfaces with the gut lumen.- Covered by a mucus layer: mucins, antimicrobial peptides, secretory IgA.- Mucus layer provides physical and biochemical protection.- Tight junction proteins and paracellular permeability.- Molecules crossing the epithelium. - Disruption of tight junctions, immune cell exposure to luminal contents.- The lamina propria and Gut-Associated Lymphoid Tissue (GALT). - Maintaining tolerance while defending against pathogens. 4. Vitamin D's Role in Barrier Support and Immune Modulation - 1,25-dihydroxyvitamin D₃, tight junction integrity, immune regulation, and more.- Regulatory T Cells (Tregs) and immune balance. 5. Vitamin D₂ and D₃- D₃ (cholecalciferol) is more biologically effective and binds DBP more strongly. 6. Vitamin D Levels - Levels observed in autoimmune conditions, IBS, and more.- Symptoms.- Insufficient and excessive levels of vitamin D can be detrimental.- Multi-system. 7. Conclusion - Multifactorial: Numerous factors regulate vitamin D levels.- Gastrointestinal health root cause approach.Thanks for tuning in!Get Chloe's Book Today! "75 Gut-Healing Strategies & Biohacks" Follow Chloe on Instagram @synthesisofwellnessFollow Chloe on TikTok @chloe_c_porterVisit synthesisofwellness.com to purchase products, subscribe to our mailing list, and more!
It's been two decades since state legislators bowed to tourism industry lobbyists and passed a law forbidding local school districts from starting the traditional calendar school year prior to the last week of August. It was a familiar case of industry campaign cash trumping recommendations of education experts and the wellbeing of children. In […]
In this episode, we detail the cellular make-up of the gastric lining, highlighting hydrochloric acid (HCl) secretion and its role in digestion, micronutrient absorption, and microbial defense. We discuss potential pathophysiological consequences of hypochlorhydria, including impaired digestive signaling, bacterial overgrowth in the small intestine (SIBO), and more. Lastly, we detail upstream microbial control, focusing on the influence of the oral microbiome and oral dysbiosis.Topics: 1. Introduction- Highlighting the stomach and hypochlorhydria / low stomach acid, as well as microbial balance, dysbiosis, and overgrowth.- Discussion of intestinal microbiome and oral microbiome. 2. Gastric Anatomy and Mucosal Layers- The stomach: cardia, fundus, body, pylorus.- The gastric mucosa: epithelial lining, lamina propria, muscularis mucosae.- The epithelial layer: mucous cells, parietal cells, chief cells, enteroendocrine cells.- Beneath the mucosa: submucosa and muscular layers that contribute to gastric motility, mechanical digestion, and more. 3. Mucous Cells - The surface epithelium and gastric pits.- Secretion of thick, viscous mucus.- Protecting the epithelium.- The mucus traps bicarbonate ions: neutral microenvironment that protects against acid-induced damage. 4. Parietal Cells and Gastric Acid Secretion- Secretion of hydrochloric acid (HCl): denatures dietary proteins, sterilizes ingested food.- Parietal cells produce intrinsic factor: binds vitamin B12 to facilitate absorption in the ileum. 5. Chief Cells and Pepsinogen- Secretion of pepsinogen: activated by low pH into the proteolytic enzyme pepsin.- Pepsin and protein digestion.- Release of gastric lipase. 6. Hydrochloric Acid: Digestive and Protective Roles- Immune defense.- Pepsinogen activation.- Adequate gastric acidity essential for properly acidified chyme.- Priming release of bile and pancreatic enzymes. 7. The Small Intestine, Stomach, and Microbial Regulation- The pyloric sphincter.- The stomach supports minimal microbial diversity.- Acidic barrier aids in limiting the entry of opportunistic microbes into the small intestine. 8. Hypochlorhydria, Low Stomach Acid- Hypochlorhydria can compromise one of the body's defense mechanisms.- Colonization of the small intestine.- Insufficient pepsinogen activation and possible protein digestion impairment.- Suboptimal chyme formation and downstream digestive capacity.- Possible symptoms of hypochlorhydria.- Possible impaired absorption of micronutrients including vitamin B12, iron, calcium, magnesium.- H. pylori infection, autoimmunity, aging. 9. The Oral Microbiome, Intestinal Microbiome, and Dysbiosis- Oral and environmental microbes.- Altered gastric pH, bile, digestive enzymes, and more.- The oral cavity as the gateway to the GI tract.- Oral microbial species.- Oral hygiene and oral microbiome health. 10. Conclusion- Root-cause approach.Thank you to our episode sponsor:1. Shop Fresh Press Farms'Peach Cider Vinegar at Sprouts locations nationwide, and check out their full collection here. Get Chloe's Book Today! "75 Gut-Healing Strategies & Biohacks" Follow Chloe on Instagram @synthesisofwellnessVisit synthesisofwellness.com
The Portfolio Committee on Mineral and Petroleum Resources has raised concern about the insufficient strategic fuel reserves available to provide uninterrupted service in cases of emergency. The committee conducted a two-day oversight visit to the Strategic Fuel Fund (SFF) in Saldanha on Tuesday to ensure that the SFF has sufficient petroleum reserves to keep the supply uninterrupted during a crisis. Parliament's Portfolio Committee on Mineral and Petroleum Resources raised questions after it found much of that storage is empty. Sakina Kamwendo spoke to Committee Chairperson, Mikateko Mahlaule
Friday, March 21st, 2025Today, a judge had ordered Musk and DOGE to get out of the Social Security systems and to uninstall all their software; Judge Boasberg has issued a show cause order in the Alien Enemies Act case; the Trump administration believes they can enter homes without a warrant; Trump has signed the executive order eliminating the Department of Education; a Georgetown researcher has been detained by ICE and a judge has ordered he not be deported pending litigation; the Social Security Administration is now requiring in-person identity checks; a French scientist has been denied entry to the US for negative social media posts about Trump; and Allison and Dana deliver your Good News.Guest: John FugelsangTell Me Everything — John FugelsangThe John Fugelsang PodcastSiriusXM ProgressThank You, Fast Growing TreesGet 15% off your first purchase. FastGrowingTrees.com/dailybeans.Thank You, PiqueGet 20% off on the Radiant Skin Duo, plus a FREE starter kit at Piquelife.com/dailybeans.Stories:Trump signs executive order to dismantle the Education Department | NBC NewsJudge blocks deportation of Georgetown University researcher detained by ICE | CBS NewsFrench scientist denied US entry after phone messages critical of Trump found | US news | The Guardian'Slap in the face': Pro-Trump Republican bemoans closure of local Social Security office | Raw StoryDOGE blocked in court from Social Security systems with Americans' personal information, for now | AP NewsSocial Security Administration to require in-person identity checks for new and existing recipients | AP NewsAdministration's Details on Deportation Flights ‘Woefully Insufficient,' Judge Says - The New York TimesAdministration Officials Believe Order Lets Immigration Agents Enter Homes Without Warrants - The New York TimesGood Trouble:From an anonymous listener, the Trump administration needs your feedback! Andrea Lucas, Trump's acting chair of the equal employment opportunity commission, has asked for help to root out the discrimination of diversity, equity and inclusion festering in America's law firms. The EEOC has established an email where good samaritans can submit information to the EEOC about potentially unlawful DEI practices at law firms: lawfirmDEI@eeoc.gov From The Good NewsSupreme Allied Commander Europeloudoun.gov/5701/Equity-InclusionHRC Los Angeles Dinner - March 22Darrell Issa Empty Chair Town Hall Presented by Indivisible - March 23Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good Trouble:https://www.dailybeanspod.com/good/ Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, Twitter|@MuellerSheWrote, Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, BlueSky|@muellershewroteDana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts
AP correspondent Ben Thomas reports a judge is not satisfied with the Trump administration's responses on deportation flights.
Heathrow Airport Closed After Nearby Fire; Judge: DOJ Response on Deportations Woefully Insufficient | NTD Good Morning
Story at-a-glance Osteoarthritis results from cartilage deterioration due to genetic, metabolic and inflammatory factors, causing bone friction, pain, stiffness and bone spur formation that impair joint function Studies show boosting vitamin K2 intake supports joint health by regulating calcium metabolism, reducing inflammation, boosting cartilage integrity and activating proteins like GPX4 to protect cartilage cells from damage Elevated levels of vitamin K-dependent proteins like Gla-rich protein (GRP) and matrix Gla protein (MGP) in osteoarthritic joints suggest their protective role against harmful calcium deposits and their use as diagnostic markers Insufficient vitamin K impairs protein activation, allowing calcification, inflammation and cartilage damage to progress unchecked, exacerbating osteoarthritis symptoms and joint degeneration Increasing vitamin K2 intake through foods, supplements and healthy lifestyle changes offers a powerful approach to preserving joint health, reducing inflammation and slowing osteoarthritis progression
How do you respond when faced with circumstances that seem impossible? Do you immediately begin to question the goodness of God and why He even allowed a struggle in your life to begin with? Well, today Pastor Ricky shares that learning to see your circumstances through the lens of an all-powerful God is key to seeing God move. It begins with believing that you, in and of yourself, are insufficient. You need God to move on your behalf. That kind of faith will move the heart of God.
There's a really big difference between wondering whether God can do something and declaring that He can't do something. Today you learn that God has pretty broad shoulders. He can take your doubts. The important distinction is to not allow your doubts to turn into unbelief, where you simply believe that God can't do something. Pastor Ricky will share that God is so, so sufficient while we are completely insufficient. This helps us to see our great need for God and to depend only on Him.
Max gives and update on the Learjet crash in Scottsdale and the crash of a Cirrus SR22 in Santa Barbara. He also analyzes the crash of N2UZ, a Bonanza B35B, which suffered an engine failure at 7,500 feet while flying over Virginia. The well-trained pilot attempted to glide to Charlottesville Airport (KCHO) but crashed in a wooded area just beyond a 3,000-foot-long field. ADS-B data shows that the aircraft's10.2:1 glide ratio was insufficient to reach the airport from its initial altitude. He discusses factors that could have altered the outcome, including diverting to Snow Hill, a private 2,200-foot grass strip within possible gliding range, or choosing a higher cruising altitude to increase the glide distance. The episode emphasizes the importance of proactive flight planning, including staying within glide range of an airport, using avionics tools like glide range rings, and making early decisions when faced with an emergency. Suggestions for improved safety include better route planning, considering altitude selection, and advocating for EFB applications to incorporate flight planning tools that maintain energy cones. If you're getting value from this show, please support the show via PayPal, Venmo, Zelle or Patreon. Support the Show by buying a Lightspeed ANR Headsets Max has been using only Lightspeed headsets for nearly 25 years! I love their tradeup program that let's you trade in an older Lightspeed headset for a newer model. Start with one of the links below, and Lightspeed will pay a referral fee to support Aviation News Talk. Lightspeed Delta Zulu Headset $1199 Lightspeed Zulu 3 Headset $899Lightspeed Sierra Headset $699 My Review on the Lightspeed Delta Zulu Send us your feedback or comments via email If you have a question you'd like answered on the show, let listeners hear you ask the question, by recording your listener question using your phone. News Stories Runway incursion at Chicago Midway Airport DOT Secretary says pilot error played a role in recent plane crashes ATC hiring supercharged Administration Considering Pay Hike For Air Traffic Controllers Repeated attempts to start engine end in fire Lack of brake fluid leads to plane crashing into hangar Pilot continues takeoff after wing hits runway Bonanza crashes at Seaplane base Mentioned on the Show Buy Max Trescott's G1000 Book Call 800-247-6553 Buy Max Trescott's G3000 Book Call 800-247-6553 Video of the Week: Bonanza crashes at Seaplane baseLearjet N81VN Scottsdale Crash Preliminary NTSB ReportCirrus SR22 Crash at Santa Barbara Free Index to the first 282 episodes of Aviation New Talk So You Want To Learn to Fly or Buy a Cirrus seminars Online Version of the Seminar Coming Soon – Register for Notification Check out our recommended ADS-B receivers, and order one for yourself. Yes, we'll make a couple of dollars if you do. Get the Free Aviation News Talk app for iOS or Android. Check out Max's Online Courses: G1000 VFR, G1000 IFR, and Flying WAAS & GPS Approaches. Find them all at: https://www.pilotlearning.com/ Social Media Like Aviation News Talk podcast on Facebook Follow Max on Instagram Follow Max on Twitter Listen to all Aviation News Talk podcasts on YouTube or YouTube Premium "Go Around" song used by permission of Ken Dravis; you can buy his music at kendravis.com If you purchase a product through a link on our site, we may receive compensation.
Series: UnchartedNo: 6Speaker: Pastor Kevin Reich
Check out this episode wherever you like to listen or watch podcasts! Episode Page: vinneychopra.com/podcast/ Youtube: https://youtu.be/kGJ5RMozjwU Spotify: spoti.fi/423B4fz iTunes: apple.co/3tQ9Tsf ——
Two factors drive food aggression in horses. The first factor is the foraging behavior created by converting fructose into uric acid. The purpose of fructose is to prepare horses for the upcoming winter. However, not only is it fed throughout the year, but the high-sugar foods being fed cause horses to make more fructose. The second factor is stated in the protein leverage hypothesis, which says that humans (and all animals) will continue to look for food until they consume their daily amino acid requirements. Insufficient high-quality protein in horse diets drives horses to continue eating beyond their caloric needs. ********** TheHorsesAdvocate.com is a website for learning about horses, horse barns, and farms. Its membership side allows horse owners to attend live meetings to ask questions and gain a deeper understanding of what they have learned on the site. Membership helps support this message and spread it to everyone worldwide working with horses. HorsemanshipDentistry.com is a website that discusses how and why I perform equine dentistry without immobilization or the automatic use of drugs. I only accept new clients in Florida. TheEquinePractice.com/appointment HorsemanshipDentistrySchool.com is a website for those interested in learning how to perform equine dentistry without drugs on 97% of horses. There are eight spots a year for interested students PLUS, there is a separate online course for those wanting to learn how to do this but can never get to South Florida for hands-on training. Show support for The Horse's Advocate by wearing a hat or shirt or drinking from a cup, all with the official logo. For our swag, go to this link: (https://the-horses-advocate.creator-spring.com/). Please give a thumbs up or 5-star review and share these everywhere. I know horse owners worldwide listen, and the horses need every one of you in "Helping Horses Thrive In A Human World."
It's a glorious day as Tom Baker becomes a Member of theOrder of the British Empire and the Three Who Rule are here to celebrate this momentous occasion along with news of further Gallifrey One guests, Phil Collinson trolling us all with War Chief intrigues, Toby Hadoke's annual In Memoriam, Big Finish news as usual and Episode One of our Classic Series Commentary of “The Moonbase”! Links: Support Radio Free Skaro on Patreon Tom Baker awarded MBE for Services to Television More New Guests at Gallifrey One 2025 Doctor Who Magazine 612 Spearhead From Space screening at the BFI on February 1 The Savages screening at the BFI on February 28 Phil Collinson fuels the War Chief/Master link Toby Hadoke's 2024 In Memoriam Toby Hadoke's Arnold Yarrow obituary Jess Jurkovic: Record, Reuse, Recycle – 60s Doctor Who Incidental Music Big Finish The Stuff of Legend – The Live Show released Big Finish The Stuff of Legend – The Live Show behind the scenes Big Finish Paul Spragg Memorial Doctor Who – Short Trips: War Stories released Classic Series Commentary The Moonbase Episode One
Is it time to reconsider where God fits into our daily lives? Join me, Jesse Cope, on this thought-provoking episode of the Emerging Soul Podcast, where we reflect on how sidelining spirituality has reshaped the educational landscape in America. Drawing from personal stories and the wisdom of 2 Corinthians 9, we explore the transformative potential of prioritizing Bible reading and prayer. Together, we challenge ourselves to re-evaluate the time and energy poured into social media, sports, and workouts, asking if they truly enrich our relationships with loved ones. Discover how realigning our priorities with our faith can usher in both spiritual and personal abundance.We also delve into the fragile nature of a nation's stability through the lens of Abraham Lincoln's Lyceum Address. Highlighting historical instances of mob rule in Mississippi and St. Louis, we examine the perils of shifting from a republic to a democracy, where mob mentality can reign supreme. These reflections reveal that the greatest threats often lurk within, fueled by division and moral decay. By revisiting foundational principles and values, we open the door to a path of self-reflection and spiritual renewal that can fortify our communities. Tune in for an engaging discussion that prompts us to consider how these insights might inspire a collective return to core values and principles.Support the showThe American Soul Podcasthttps://www.buzzsprout.com/1791934/subscribe
Join Bill Bellows and Andrew Stotz as they discuss what actions (or inactions) make us worse than thieves and how that relates to expiration dates, and acceptability vs desirability. Plus, stories about job swapping, Achieving Competitive Excellence, and birthdays. TRANSCRIPT 0:00:02.3 Andrew Stotz: My name is Andrew Stotz, and I'll be your host as we dive deeper into the teachings of Dr. W. Edwards Deming. Today, I'm continuing my discussion with Bill Bellows, who has spent 31 years helping people apply Dr. Deming's ideas to become aware of how their thinking is holding them back from their biggest opportunities. Today is Episode 9, and it's entitled "Worse Than a Thief." Bill, take it away. 0:00:27.2 Bill Bellows: Welcome, Andrew. I haven't seen you in a while, and great to be back. 0:00:29.1 AS: It's been a while. 0:00:32.0 BB: Here we are. Episode 9 already. Gosh, [chuckle] time flies when we're having fun. First, let me say a shout out to people who are reaching out to me on LinkedIn. I spoke with another one of them this afternoon. It's always exciting to connect with them. And then I ideally connect in a regular basis and help them as best I can, and learn from them as best I can. 0:01:03.0 AS: Yep. 0:01:03.2 BB: So, for those who are thinking about it, they keep hearing you say, "Hey, you know how to reach Bill? Find him on LinkedIn." So, a reminder for those who are waiting for a nudge, here's a nudge. So, "Worse than a thief" is an expression that Dr. Taguchi used when he say, Andrew, "Don't be worse than a thief." And we'll get to that, but let me just give our audience some context on that. 0:01:37.8 AS: Yep. 0:01:39.0 BB: Dr. Taguchi would say... And actually, I don't know if Dr. Taguchi explained it. Someone explained it to me this way. He said a thief could be someone who steals your wallet, finds $20; which means they're up 20, you're down 20; which people refer to as "zero sum gain." Right? So, the thief's gain is my loss, zero sum. What could be worse than that? Well, "worse than a thief" would be a situation where what someone gains is nothing compared to what I lose. A simple example is, [chuckle] I'm not the only one who does this, but if I'm going to the supermarket and I get out of the car and I see a nail in the parking lot or a piece of glass in the parking lot on my way in. So, I'm not talking about walking all around the parking lot. I'm talking about if on my way into the store I see a nail, something that could puncture a foot, a tire, and I spend a few seconds to pick it up, throw it in the trash can right by the door, then my theory is the reason I do that, the reason others do that, is the belief that that little bit of time that I am spending doing that could potentially save someone far more than the few seconds it took me. 0:03:20.9 BB: Well, "worse than a thief" would be, I see that broken bottle, let's say a bunch of shards of glass. And having worked at my father's gas station, I've seen... A nail on a tire is one thing. Nail creates a puncture. A piece of glass in a tire creates a fracture. A piece of glass can destroy a tire 'cause you get a crack and it spreads, and that's hard to repair. A puncture with a nail, yeah, it's inconvenient, but that doesn't destroy the tire. So, I'm overly sensitive when I see pieces of glass in a parking lot, that that could ruin a tire. 0:04:04.8 AS: And ruin a day. 0:04:06.2 BB: Ruin a day, oh yeah. And so the idea is that for someone to not take the time, and the time they save cost you more than they saved, that's worse than a thief. 0:04:19.8 AS: Right. 0:04:20.0 BB: So, if I meet a set of requirements, leave the bowling ball in the doorway, deliver minimally, but in the world of acceptability, what do we call that, Andrew? It's good. 0:04:35.3 AS: It's good. 0:04:36.0 BB: Right? It's good. It's just within requirements, but good. 0:04:41.8 AS: It's not beyond looking good. 0:04:43.9 BB: And forget about beyond looking good; this is looking good. So, I leave the bowling ball in the doorway. I deliver to you the absolute minimum, which is still good. So, your response to that, Andrew, is, "Thank you, Bill." [chuckle] 0:05:00.0 AS: Yeah. 0:05:00.1 BB: And I'm not saying you know what I did, but let's say the situation where I am unaware of the loss function. I'm unaware that what I'm doing is make making your life worse. 0:05:12.2 AS: Right. 0:05:13.3 BB: But the idea is that my shortcut to deliver the D minus; D minus, minus, minus, minus, minus. 'Cause that's still not an F. What Taguchi is talking about is that the amount of resources I save, may be a fraction of what it cost you in terms of extra effort to use it. So, my savings of an hour, a minute, a second causing you far more than I saved, is worse than a thief. But in the world of acceptability, there is no such thing. In the world of acceptability, a little bit within requirements on the low side, a little bit within requirements on the high side, it's all the same. Again, there may be a situation where if you're putting a shelf on a piece of wood on a wall as a shelf and it's a little bit longer, a little bit long on either side, that may not have an impact; may not be touching anything on either side. It doesn't have to fit in. 0:06:25.9 BB: Now, this past weekend, our son and I were installing a new floor at our daughter's condo, and we wanted the pieces to fit in-between other pieces and this laminate floor which is a [chuckle] lot of work. Our son is turning into quite the artist when it comes to woodworking and things. But it's very precise getting things just right, just right, just right. And that attention to detail, that attention to making sure the gaps are just right, minding the gap and not the part. And there were pieces of this floor that he was trying to install. And it was driving him nuts, and finally... He's trying to figure it out and he finally figured it out what was going on. 'Cause he wanted that floor and the spacing between not just to meet requirements [chuckle] not that our daughter gave him and set the requirement, but he wanted the floor in those gaps to be invisible. He wanted things to... Right? He had a higher level, a higher standard. 0:07:25.3 BB: Now, this is the same kid who when he was 13 left the bowling ball in the doorway. But I would've done that. You would've done that. So, anyway, that's the difference between... Another reminder of, one, the difference between acceptability and desirability. But to add to this idea of "worse than a thief," embedded in the concept of desirability is not to be worse than a thief, is to understand the consequences of your action on others, and the amount of time and your decision on how you deliver it and how you meet the requirements. The idea is that, the less time you take in order to save at your end might be causing the person downstream in your organization more than you're saving. 0:08:22.8 AS: In other words, something small, you could adjust something small that would have a huge impact down the line, and you just didn't... You don't know about it. 0:08:32.2 BB: Again, that's why I go back to the nail in the parking lot. To not pick up the nail could cause someone so much more than the few seconds you didn't spend. But again, that could be... [overlapping conversation] 0:08:44.0 AS: And one of the things that makes it easier or better for a working environment is you know your downstream. 0:08:51.8 BB: Yes. 0:08:51.8 AS: When you're walking in the parking lot, you don't know your downstream; it's just anybody generally, and hopefully I've stopped something from happening here, but you're never gonna know and all that. But with a business, you know your downstream, you know your upstream, and that communication can produce a really, really exciting result because you can see it and feel it. 0:09:11.8 BB: Well, and thank you for bringing that up, because I've got notes from... Since the last time we met, I keep a file for the next sessions we're gonna do. And so as things, ideas come up from people that I'm meeting on LinkedIn or elsewhere, then I, "Oh, let me throw that in." And so I throw it into a Word file for the next time. And so somewhere, I can't remember who, but since the last time we spoke, someone shared with me... Hold on, let me find it here. Okay. In their organization, they do staff rotation. They move people around in their organization. And the question had to do with, "Isn't that what Dr. Deming would promote? Is having people move around the organization?" And I said... Hold on, I gotta sneeze. I said, "Well, if I am the person that makes the parts that you have to assemble, and I make them just within requirements unaware of the downstream impact... " I don't know where they are within the requirements, let's say. 0:10:30.0 BB: All I know is that they're acceptable. I machine it, I measure it, the inspection says it's good, I don't know where within it's good. I don't know. So, I'm unaware. All I know is that it met the requirements. And I hand off to you on a regular basis, and then the boss comes along and says, "Bill, I wanna have you go do Andrew's job." So, now, I'm on the receiving end. And maybe you are upstream doing what I used to do. And you are likewise unaware that... You don't know that you're delivering acceptability. All you know is all the parts you deliver are good. You're trained the same way I'm trained, I'm doing your job. Does that change anything? [chuckle] If I take on your job and let's say, banging it together, whereas the week before you were banging it together, does that rotation create the conversation? 0:11:27.2 AS: So, you're saying rotation for the sake of rotation is not necessarily valuable if in fact, what could be more value is just the two of us sitting down and saying, "So what is it that you're doing with yours and what do you need?" and maybe visiting the other side or something like that. 0:11:44.9 BB: My point is, until the thought occurs to either one of us on the distinction between acceptable and desirable, neither one of us is the wiser as to why we do what we do. So, having people move around the organization and take on different roles, absent an understanding of this contrast, absent an understanding of what Dr. Deming is talking about, which includes these distinctions, that's not gonna do anything. 0:12:16.0 AS: Right. 0:12:16.8 BB: I would say it's a nice idea, and you hear about that all the time about oh the CEO's gonna go work at the front desk. But if the CEO goes to the front desk, again, unless he or she has a sense of what could be, that things could be smoother than what they are because of where they've worked before and it's so much smoother over there, that could lead to why at the Atlanta office does it take so much longer than the LA office. Now I'm beginning to wonder what might be causing that difference. But if I just take on your job for the first time, or if you and I every other week change jobs. So, I'm doing your job, we are both doing assembly, we're both making the parts. Absent an understanding of the contrast between a Deming environment or a non-Deming environment, which would include an appreciation of what Dr. Deming would call the System of Profound Knowledge and the elements of psychology and systems and variation, the theory of knowledge, just not enough. Insufficient. Nice idea. But it's when at Rocketdyne we would call "reforming." 0:13:39.0 BB: And we started 'cause Russ... Dr. Deming talks about transformation, and Russ talks about reforming. And so I started thinking, "How would I explain what... " I just thought it was too... My interpretation of what Dr. Deming is saying of the individual transform will begin to see things differently, okay. My interpretation is, I begin to hear things differently, I begin to hear the contrast between somebody referring to their son as "their son" versus "our son," my idea versus our idea; I start paying attention to pronouns, so I start hearing things differently; I start to think about, see things as a system a little... I become more aware, visually more aware. 0:14:43.9 BB: And to me, another aspect I think about relative to transformation is that, if I'm the professor and you're the student in a class, or in any situation, I don't see... I think about how I've contributed to whatever it is you're doing. I have somehow created the headache that you're experiencing. If I'm upstream of you in the organization, whether that's me delivering a report or a tool, or I'm the professor delivering the lecture, I began to realize that your issues I've created, and I begin to see things as a... I begin to see that I am part of the issue, Part of the solution, part of the problem. When I explained to students this, I began to realize as a professor that I am not an observer of your learning, asking "How did you do on the exam?" I am a participant in your learning, saying "How did we do in the lecture?" And to me, that's all part of this transformation. 0:15:53.0 BB: Now, the other word, "reform," which is associated with things I've heard from Russ. He talks about... Yeah, I'll just pause there. But I started thinking, well, Deming's talking about how I see the world, how I begin to see relationships differently, think about variation differently. That's a personal transformation. Reforming, and others began to explain to people at Rocketdyne and I do with clients and students is, reforming is when you and I swap jobs. Reforming is when I look at the process and get rid of a few steps. Reforming is changing titles. Reforming is painting something, [chuckle] changing the color. I think I shared, maybe in the first podcast series, I was doing a multi-day, one-on-one seminar with a pediatrician in Kazakhstan, who came to London to meet me and a bunch of other friends to learn more about Dr. Deming's work. And the entire thing was done through a translator. 0:17:07.1 BB: And so I would ask a question in English, it would be translated to Russian then back to me in English. And so at some point, I said to Ivan Klimenko, a wonderful, wonderful guy. I said, "Ivan," I said [chuckle] to Yuri, the translator, I said, "Ask Ivan, what's the fastest way for a Red Pen Company, a non-Deming company, a "Me" organization, to become a Blue Pen Company, otherwise known as a Deming company or "We" organization." And these are terms that we talked about in the first series; I don't think in this series. But, anyway, I said, "So what's the fastest way for a non-Deming company to become a Deming company? A Red Pen Company to become a Blue Pen Company?" 0:17:44.9 BB: And so he asked, and I'm listening to the translation. And he says, "Okay, I give up." I said, "Spray paint." [chuckle] And that's what reforming is: Getting out the red spray paint, having things become neat, clean, and organized, and you're just going through the motions. There's no change of state. And so, "I do your job, you do my job," that's not sufficient. But get us to think about the contrast of a Deming and a non-Deming organization, then you and I changing roles could be enormously beneficial as I begin to understand what it's like to be on the receiving end. Now, we're talking. And I think I mentioned in a previous podcast, I had a woman attend one of the classes I did at Rocketdyne, and she said, "Bill, in our organization, we have compassion for one another." It's the same thing. It's not sufficient. And that's me saying, "Andrew, I feel really bad. I lost a lot of sleep last night thinking about how much time you spend banging together all those parts that I give you. And if there was anything I could do to make things better, I would love to help you. But at the end of the day, Andrew, all the parts I gave you are good, right? I don't give you bad stuff, right? Have I ever given you a defective part, Andrew?" 0:19:12.0 AS: Nope. 0:19:13.1 BB: "So, everything's good, right? Everything's good that I give you? Well, then, if I could help you, but I don't know what else to do. Everything I give you is good. So, it must be on your end." [laughter] [overlapping conversation] 0:19:24.1 AS: And I'm busy. Yeah. 0:19:26.6 BB: Must be on you. And that's what I'm talking about. Now, if I understand that I'm contributing to your headache, I'm contributing to the trouble you're having with an example, now I'm inspired; now I understand there's something on me. [chuckle] But, short of that, nice idea, it's not helping. 0:19:50.0 BB: [laughter] So, the story I wanted to share before we're talking about this role-changing. Again, role-changing by itself, nah, not sufficient. So, see if this sounds familiar. It has to do with acceptability. I'm pretty certain it's part of the first series. I wanna make sure it's part of the second series. So, I was in a seminar at Rocketdyne on something to do with quality. And I think United Technologies had purchased Rocketdyne. They were bringing to us their new quality management system. Not just any quality management system, Andrew. This was called ACE, A-C-E. And, when we first learned about this, I remember being in a room when their United Technologies, ACE experts started to explain it. And some of my colleagues said, "Well, what is ACE?" They said, "Well, it's Achieving Competitive Excellence." "Well, what is it? What is it, 'competitive... '" 0:20:52.2 AS: It sounds like you wanna put that up on the wall as a slogan. 0:20:56.0 BB: It was a slogan, "Achieving Competitive Excellence." And people says, "Well, what is it?" I said, "Well, it's Lean Six Sigma." Well, so why do you call it ACE? Well, our arch rivals, General Electric. they call it Lean Six Sigma. We ain't gonna call it Lean Six Sigma. So, we're calling it ACE, A-C-E, Achieving Competitive Excellence. But it's the same thing as Lean Six Sigma. [chuckle] And so we had all this mandatory ACE training that we would all sit through and pray that the rosters were never lost, were never lost so we wouldn't have to take the training again. So, in the training, there was a discussion of, how does the environment impact quality? And I don't know how it came up, but similar, there's a conversation about the environment could affect quality. And, so when that was raised, I think it was a question that came up. 0:21:56.9 BB: How does the environment affect quality? The physical environment: How hot it is, how cold it is. So, one of the attendees says, "I've got an example." He says, "I worked for a Boeing supplier," and it might have been, "I worked for Boeing in Australia." I know he said he worked in Australia. They made parts, big parts, very tall parts like a 15, 20... Very long section. And I think he said it had to do with the tails, part of the tail for Boeing airplane. [chuckle] He says, "When we would measure it," he said, "we knew that if we took the measurement first thing in the morning before the sun came up and it started to get hot, then there's a good chance that the length would meet requirements. And, we knew that once that part saw the heat of the sun and expanded, then it wouldn't meet requirements. So, we measured it first thing in the morning, [laughter] and that's an example of how the environment affects quality." And, my first thought when I heard that was, "You can't make that story up, that I will keep measuring it until it meets requirements." That, Andrew, is me shipping acceptability. Do I care at all about how that part is used, Andrew? [chuckle] 0:23:18.7 AS: Nope. 0:23:19.9 BB: Do I know how that part is installed? Am I watching you install it and go through all, you know, hammer it? Nope. No. Again, even if I did, would I think twice that I measured it before the sun came up and that might be causing the issue? No, that still would not occur to me. But the other thing I wanted to bring up on this, on the topic of ACE, remember what ACE stands for? 0:23:46.0 AS: Achieving Competitive... 0:23:50.0 BB: Excellence. 0:23:50.3 AS: Excellence. 0:23:51.8 BB: So, Rocketdyne was owned by United Technologies of Pratt and Whitney, division of West Palm Beach, for 10 years or so? 10 long years. ACE, ACE, ACE, ACE, ACE. So, I kept thinking, [chuckle] I said to some of my Deming colleagues, "There's gotta be another acronym which is A-C-E." Achieving Competitive... What? What might be another E word? 'Cause it's not... Instead of ACE, Achieving Competitive Excellence, I kept thinking of this, what might be another way of what this is really all about? And it dawned me. The embarrassment is how long it took me to come up with what ACE translated to. And it was "Achieving Compliance Excellence." [chuckle] 0:24:42.9 AS: Excellent. 0:24:45.0 BB: Does it meet requirements? Yes. And so what is compliance excellence? It gets us back to acceptability. So, traditional quality compliance. But then while I was on the thought of Achieving Compliance Excellence, and then, well, there's a place for meeting requirements. There's a place for compliance excellence. I'm not throwing it out the window. I would say, if I ask you, Andrew, how far it is to the closest airport and you say 42 miles, 42 kilometers, or you say it takes an hour, then embedded in that model is "A minute is a minute, an hour is an hour, a mile is a mile, and all the miles are the same." Well, maybe they aren't. Maybe they aren't. Maybe I'm walking that distance, and I'm going uphill and downhill. Maybe I'm driving that distance. And those changes in elevation don't matter as much. So, then, what I thought was, there's Achieving Compliance Excellence that's acceptability, and then there's Achieving Contextual Excellence, which is my understanding of the context. 0:25:56.7 BB: And given my understanding of the context, if you say to me, "How far is it to the nearest airport?" I say, "Well, tell me more about the context of your question. Are you driving there? Are you riding your bike there? Are you walking there?" 'Cause then I'm realizing that every mile with Compliance Excellence, I just treat it as "a mile is a mile is a mile." They're all interchangeable, they're all the same. With Contextual Excellence, the context matters. And I say to you, "That's a... I mean, 42 miles, but boy, every mile is... They're brutal." And so then just the idea that context matters, that the understanding of a system matters. All right. So, next thing I wanna get to, and we've talked about this before but we never got it in, but I wanna provide, I really... Well, what I think is a neat example. [laughter] Okay. Calm down, Bill. [laughter] 0:26:54.8 AS: Yeah. You're excited about it. 0:26:57.0 BB: All right. 0:26:57.1 AS: So, about your idea... [chuckle] 0:27:00.2 BB: All right. So, again, in this spirit, my aim in conversation with you is to provide insights to people trying to bring these ideas to their organization. They're either trying to improve their own understanding, looking for better ways to explain it to others. And towards that end, here is a keeper. And for those who try this, if you have trouble, get back to me. Let me know how it goes. Here's the scenario I give people, and I've done this many, many times. What I used to do is give everyone in the room a clear transparency. That's when you had overhead projectors. [chuckle] 'Cause people say, "What is a transparency? What is an overhead projector?" [overlapping conversation] 0:27:45.0 AS: Yeah exactly. 0:27:46.8 BB: It's a clear piece of plastic, like the size of a sheet of paper. And on that sheet, on that piece of plastic was a vertical line and a horizontal line. I could call it set a set of axes, X-Y axis. And the vertical axis I called "flavor." And the horizontal axis, I called "time." And, so everyone, when they would walk into a seminar, would get a clear transparency. I give them a pen to write on this transparency. And I'd say to them, "Here's what I want you to imagine. The horizontal axis is time. The vertical axis is flavor." And I would hold up a can of soda and I'd say, "Imagine. Imagine, inside this can, imagine before the lid is put on, soda is added to this can," any kind of soda. Right? "Imagine soda's in the can. Imagine in the can is a probe, a flavor meter. And the flavor meter is connected to the pen in your hand." And what that... Wirelessly, Andrew. So, there's this probe that goes into the soda, into the can. It is, let's say, with Bluetooth technology connected to the pen in your hand, such that you have the ability with this magic pen to trace out what the flavor of the soda in the can is at any point in time. 0:29:31.0 BB: And so I would put on the vertical axis, right, the Y axis, I would put a little tick mark, maybe three quarters of the way up the vertical axis. And so everyone started at that tick mark. And I would say, "Okay, get your pen ready, get it on the tick mark. This flavor meter is inside the can. It's transmitting to your hand and the pen the flavor of Pepsi. If I was to seal this can, put the lid on it, and I say, 'Now the device is activated.' As soon as I put the lid on the can, the pen is activated and your hand starts to trace out what is the flavor of the soda doing over time." And I would say, "If you think the flavor gets better, then you have a curve going up. If you think the flavor of the soda's getting worse, then it goes down. If you think it stays the same, it just goes across." 0:30:37.1 BB: And I would just say, "What I want each of you to do, as soon as that can is sealed, I want you to imagine what the flavor of Pepsi, Coke, whatever it is, I want you to... " The question is, "What do you think the flavor of soda is doing in a sealed can over time?" And I would say, "Don't ask any questions. Just do that." Now, most of the people just take that and they just draw something. They might draw something flat going across. [chuckle] Now and then somebody would say, [chuckle] "Is the can in a refrigerator?" [chuckle] And my response is, "Don't complicate this." [laughter] 0:31:26.1 BB: So, I just throw that out. Most people just take that and just trace something out. And for the one who says, "Is it refrigerated? What's the timescale? Is the horizontal axis years or minutes?" I'd say, "Don't complicate it." [chuckle] 0:31:46.8 AS: "And don't ask questions." 0:31:48.9 BB: "And don't ask... " But you can bring me over and I'll ask you a question. You can ask your questions, I would just say, "Don't complicate it." So, what do we do? Everyone gets a few minutes, they draw it. I take all those transparencies that you can see through, and I put them on top of one another. And I can now hold them up to the room and people can see what I'm holding up. They can see all the different curves. 0:32:17.0 AS: Right. 0:32:18.0 BB: 'Cause they all start at the same point. And then I would say to the audience, "What do they all have in common?" Well, they all start at the same point. "What else do they have in common? What do they all have in common?" And people are like, "I don't know." Some of them are flat. They go across, the flavor doesn't change. Most of them think it goes down at some rate. 0:32:43.4 AS: Yep. 0:32:45.0 BB: Either concave down or convex down. Now and then, somebody will say it goes up and up and up; might go up and then down. But most people think it goes down over time. That's the leading answer. The second leading answer is it's constant. Up and down, rarely. So, I've done that. I've had people do that. I used to have a stack of 500 of transparencies. I used to save them and just go through them. I've done it, let's say in round numbers, 1,500 to 2,000 people. So, all the curves start at that tick mark in the 99.9999% of them either go down or go across. What's cool is, all those curves are smooth. Meaning, very smoothly up, very smoothly across, very smoothly down. Mathematically, that's called a "continuous function." And what I explained to them is, if I draw a vertical line halfway across the horizontal axis, and I look at every one of those curves, because the curves are smooth, if I draw a vertical line and how each curve, your profile and all the others go across that line, immediately to the left and immediately to the right, it's the same value because the curve is smooth. 0:34:28.3 BB: But I don't ask them to draw a smooth curve. I just say, "What do you think the flavor does over time?" They always, with three exceptions, draw a smooth curve. And so when I ask them what do they have in common, you get, "They start at the same point." Nope, that's not it. I don't know if anyone's ever articulated, "They're all continuous functions." Very rarely. So, then I explained, "They're all continuous functions. But I didn't ask you to draw a continuous function." Well, when I point out to them that three times, three times, Andrew, out of nearly 2,000, somebody drew a curve that goes starting at the tick mark, zero time, and it goes straight across halfway across the page at the same level, and then drops down to zero instantly, it's what's known mathematically as a "step function." 0:35:26.9 BB: So, it goes across, goes across, and then in zero time drops down to zero and then continues. So, three out of nearly 2,000 people drew a curve that wasn't smooth. Again, mathematically known as a step function. And each time I went up to that person and I said, and I comment on it, and each of them said, there's a point at which it goes bad. And each of them had a job in a quality organization. [chuckle] And so why is this important? Because in industry, there's this thing known as an "expiration date." What is an expiration date? It's the date past which you cannot use the chemical, the thing. And what's the assumption? The assumption is, a second before midnight on that date, Andrew, you could use that chemical, that acid, that glue, whatever it is in our product; a second before midnight, before the expiration date, you can use that. But a second after midnight, we put this tape and we call it "defective." And so I've worked with companies that are in the chemical business, and they literally have this tape. At the expiration date, we don't use it. A second before midnight, we do. And so what you have is a sense that it goes from good to bad, you know how fast, Andrew? 0:37:15.0 AS: Tick of a clock. 0:37:17.0 BB: Faster than that, Andrew. Zero time. 0:37:21.0 AS: Yeah. 0:37:22.0 BB: Zero time. And so what I ask people is, "Can you think of any phenomenon that happens in zero time?" And people call that's... "Well, the driver was killed instantly." No, it wasn't zero time. "Well, someone is shot." It's not zero time. And so what's cool is, when I ask people to describe a phenomenon, describe any physical phenomenon that happens in zero time, that we go from one location to another, from one state to another in zero time, I've not been stumped on that. Although actually, [chuckle] there are some situations where that happens. Well, the reason that's important for our audience is, that's a demonstration that expiration-date thinking is an organizational construct. It's not a physical construct. Milk goes bad fast. [chuckle] I'll admit, the expiration date on the half gallon of milk, it goes bad fast. 0:38:27.2 BB: But a second before midnight and a second after midnight, it's still the same. So, expiration-date thinking is what acceptability is about; that everything is good, equally good, but once we go across that expiration date, Andrew, then the flavor changes suddenly. And so what I used to kid people is, imagine if that really happened, right? Then we'd have this contest. I'd say, "Andrew, I had a can of Pepsi recently. And have you ever done this, Andrew? You get the can of Pepsi that has the expiration date on it. And if you listen to it at midnight, on the expiration date, you listen closely, you can hear it go from good to bad, Andrew." [chuckle] Would that be awesome? [chuckle] So, I was sharing some of this recently with our good friend, Christina, at The Deming Institute office. 0:39:31.0 AS: Yep. 0:39:32.7 BB: And it happened to be her birthday. And, so I sent her a note and I said, "Happy birthday." And I said, "So, did you change age immediately on the second you were born?" 'Cause she said, 'cause I think she said something like, "My mom reached out to me and she reminded me exactly what time I was born." And I said, "Oh," I said, "so did you feel the change in age as you crossed that?" And she said, she said, "Hi, Bill. Of course, I felt instantly different on my birthday. My mom even told me what time, so I'd know exactly when to feel different." [chuckle] Now, so here's a question for you, Andrew. Can you think of a situation where something changes from one value to another in zero time? In zero time. Again, we don't go from living to dying in zero time. The change of Pepsi doesn't go from one value to another in zero time. The quality of any product is not changing, you go from one side to the other. But can you think of anything that actually happens in zero time: Across that line, it goes from one value to another? 0:41:05.0 AS: Nope, I can't. 0:41:08.8 BB: Oh, come on, Andrew. You ready? 0:41:16.2 AS: Go for it. 0:41:20.0 BB: Did you ever hear of the German novelist, Thomas Mann, M-A-N-N? 0:41:24.0 AS: No. 0:41:25.7 BB: All right. I wrote this down as a closing thought; it may not be the closing thought. We'll just throw it in right now. So, this in an article [chuckle] I wrote for the Lean Management Journal. 0:41:38.0 AS: By the way, it's gotta be the closing thought because we're running out of time. So, perfect. 0:41:43.7 BB: Fantastic! Well, then here's my closing thought, Andrew. You want my closing thought? 0:41:47.1 AS: Do it. 0:41:48.1 BB: All right. So, from an article I wrote for the Lean Management Journal, so here's the quote. "I have witnessed industrial chemicals in full use right up to the expiration date, and then banned from use and tagged for immediate disposal with a passing of the expiration date only seconds before the chemicals were freely used. While they may rapidly sour, it is unlikely that they expire with a big bang, all in keeping with a sentiment of German novelist Thomas Mann's observation about New Year's Eve," Andrew. What he said was, "Time has no divisions to market's passage. There's never a thunderstorm or a blare of trumpets to announce the beginning of a new month or year. Even when the century begins, it is only we mere mortals who ring bells and fire off pistols." So, at midnight on December 31st, a fraction of a second before midnight, we're in 2024 and we go to 2025 in zero time, Andrew. So, legally things change as you go across a line. You go from the United States to Mexico across a line of zero thickness. So, legally things across a line change instantly. 0:43:17.0 AS: Well. 0:43:18.0 BB: A coupon, Andrew, expires at midnight. [laughter] 0:43:22.7 AS: Yep. All right. Well, on behalf of everyone at The Deming Institute, I want to thank you again for this discussion. And for listeners, remember to go to deming.org to continue your journey. And if you wanna keep in touch with Bill, as he mentioned at the beginning, just reach out to him on LinkedIn. This is your host, Andrew Stotz, and I'll leave you with one of my favorite quotes from Dr. Deming. "People are entitled to joy in work."
A condo questionnaire is a critical document that lenders use during the mortgage approval process for condominium purchases. It provides detailed information about the condo complex's financial health, rules, regulations, and overall condition. Problems with the condo questionnaire can create delays or complications during the closing process. Here are some common issues that might cause problems:1. Financial Health ConcernsHigh percentage of owner-occupancy: Many lenders require that at least 50% (or more) of the units in the complex be owner-occupied rather than rented. If a condo complex has too many renters, it could impact the lender's willingness to approve a loan.Reserve fund issues: Lenders typically want to see that the condo association has sufficient funds in its reserve account for future maintenance and emergencies. If the reserve fund is too low or non-existent, it raises concerns about the financial stability of the association, leading to potential loan rejection.Delinquencies in condo fees: A high rate of delinquencies in the condo association fees can signal financial instability, which lenders may view as a risk. This can delay or halt the approval process.2. Insurance Coverage ProblemsLack of adequate insurance: Lenders require that the condo association carries specific types of insurance, including property insurance and liability coverage. If the condo association's insurance policy doesn't meet the lender's criteria, the loan may be delayed or denied.Insufficient flood insurance: If the condo is in a flood zone, the association is required to have flood insurance. A deficiency in this area can cause significant issues with closing.3. Pending or Recent LitigationOngoing lawsuits: If the condo association is involved in a lawsuit (e.g., against contractors, residents, or local authorities), it can be a red flag for lenders. Lawsuits can create financial and legal uncertainty, so lenders may hesitate to approve a loan until the matter is resolved.History of litigation: Even if the condo association is not currently involved in litigation, a history of legal problems could still concern lenders and complicate the approval process.4. Non-Compliance with Condominium GuidelinesFailure to meet FHA/VA guidelines: Some buyers are using FHA or VA loans, which have specific guidelines regarding condo developments. If the condo does not meet these criteria (for example, not having enough unit owners, or a commercial component taking up too much space), it can prevent the buyer from securing the loan.Non-compliant rules or by-laws: If the condo association's rules or by-laws are outdated or do not comply with lender requirements (such as restrictions on renting out units), it can create issues.5. Discrepancies or Incomplete InformationIncomplete or missing information: If the condo questionnaire is not fully completed or there is missing information about the financials or maintenance issues, lenders may hold up the approval process.Incorrect or inconsistent data: Discrepancies between the information provided in the questionnaire and the condo association's financial statements can raise red flags, requiring additional clarification or investigation.6. Excessive Commercial Units or Mixed-Use PropertiesHigh commercial occupancy: If a condo development has a high percentage of commercial space or mixed-use properties (residential and commercial), lenders might view this as risky. Lenders prefer predominantly residential complexes since they have a lower risk profile.7. Special AssessmentsUpcoming or recent special assessments: If the condo association has recently passed a special assessment (a fee charged to condo owners for unexpected repairs or improvements) or plans to do so in the near future, it can lead to concerns about Support the show
I'd write more here, but I've got places to be. Becky, Jeremy, and I are going to engage in some holiday festivities. We have a couple gingerbread houses to make and a tree to trim. And no nog to speak of. Really, that's all you get by way of show notes this time as a result, deal with it. Send your complaints to podcast@searls.co and they will be read on air. Some bullet points below the fold: My 90-minute, outdated guide to setting up a Mac Aaron's puns, ranked Jim Carrey is 62 and can't even retire I bought my 8 year old a switch and didn't realize how much games cost Teen creates memecoin, dumps it, earns $50,000 Startup will brick $800 emotional support robot for kids without refunds Install the Mozi app (manifesto here | app here) Vision Pro getting PSVR2 controllers The 2024 Game Awards news roundup Intergalactic: The Heretic Prophet looks badass, but is it too inclusive for The Gamers? We don't talk about Luigi An invisible desktop app for cheating on technical interviews (HN comments) Sora is out, but it's not good yet Indiana Jones and the Great Circle is out, and it is good yet Emudeck is so great it shouldn't be legal, and some people probably think it isn't Pikmin Stay tuned to my YouTube channel for upcoming LIVE streams Transcript: [00:00:00] Thank you. [00:00:29] Good morning, internet. [00:00:32] I started speaking before I realized, as an asynchronous audio production, it's actually pretty unlikely that it's the morning where you are. [00:00:43] Although, if it is the morning, coincidentally, please feel free to be creeped out, check over your shoulder. [00:00:51] Today was, I woke up with Vim and Vigor this morning, super excited to take on the day, thinking maybe I've got what it takes to record an audio production today. [00:01:07] And then we have an elderly coffee pot. [00:01:11] I don't want to completely put the blame on it because we were using it wrong for several years. [00:01:24] And it's a long story that I will shorten to say, any piece of consumer electronics or appliances in America, the half-life keeps decreasing. [00:01:37] And so when I say elderly coffee pot, I mean that we bought this coffee pot post-COVID. [00:01:42] And it's already feeling like, oh, we should probably get a new coffee pot, huh? [00:01:45] What happens is, from time to time, heat will build up in the grounds dingus. [00:01:55] I'm just realizing now that I'm like, you know, I'm not a coffee engineer. [00:01:58] Some of you are. [00:02:00] But, you know, of course, we all know that the dingus is connected to the water spigot, which is above the craft. [00:02:09] And what happens, as far as I can tell, is once in a while, you get all that hot water and grounds swirling around. [00:02:20] And if it clogs at all, like if it doesn't release just so, the whole little undercarriage, again, this is a technical term, just stay with me. [00:02:30] And we'll pop forward like three millimeters, which is just enough for the water to kind of miss its target on the craft and then spray all who's he what's it's, as well as for the spigot to start just kind of like splurring, you know, this water coffee slurry everywhere. [00:02:49] And so I went after, you know, but then you still get the triumphant ding dong sound that the coffee is ready. [00:02:56] So I walked over to the coffee expecting like, yes, it's the best, best way to start my day or whatever. [00:03:06] Pull out the coffee. [00:03:07] And the pot is too light. [00:03:10] And I had a familiarity of like what that means. [00:03:13] It means like there is water somewhere. [00:03:17] And it's not in this pot. [00:03:19] And so it's just like, you know, this big, big machine we actually have we've put because of our Mr. [00:03:26] Coffee's, you know, elderly onset incontinence. [00:03:33] We have we have put the entire coffee pot on a tray, like a rimmed silicone tray that you would use for like, I guess, a dog feeding bowl, right? [00:03:45] A dog, you know, messily eats food and slaps water around and stuff. [00:03:49] And you don't want it all over your hardwood. [00:03:50] Like you'd put this underneath that and it would catch some of the water. [00:03:53] So we I spent the first 30 minutes of my waking life today getting my hopes up that I was going to have coffee, followed by, you know, painstakingly carrying this entire cradle of of of coffee pot full of hot brown liquid. [00:04:10] That would stay in all of my clothes and, you know, get on the cabinets and stuff with a silicone underbelly thing. [00:04:18] And just kind of like, you know, we've got one of those big we're very fortunate to have one of those big farmers, farmer house, farmhouse. [00:04:25] I never know what to call it. [00:04:27] Steel, basically a double wide sink. [00:04:30] So what's nice about a double wide sink is that if you've got a problem in your kitchen and you're only a few steps away, whether it's the coffee pot part of the kitchen or the fridge or the freezer or the God forbid, the range or the oven, you can just sort of strategically hurl whatever it is you're holding just about into the into the sink. [00:04:51] And then once it hits the sink, it's, you know, the the the potential damage is limited. [00:04:57] So I gently hurled my coffee apparatus. [00:05:02] Is that the plural of apparatus? [00:05:04] One wonders into the into the into the sink and then spent the next 20 minutes, you know, scrubbing them and all to make another pot. [00:05:13] And Becky, of course, walks down the minute that the second pot is about to be finished. [00:05:18] And I'm like, I've already seen some shit and I'm going to go record a podcast now. [00:05:22] And that swallow you just heard was me having a sip of coffee that was not disgusting, but not great. [00:05:31] But I'll take it over where I was an hour ago. [00:05:39] Thank you for for subscribing as a as a true believer in breaking change. [00:05:47] We're coming up on one year now. [00:05:49] It's hard to believe that it's already been a year, not because this has been a lot of work or a big accomplishment, but just because the the the agony of existence seems to accelerate as you get older. [00:06:03] It's one of the few kindnesses in life and so as we whipsaw around the sun yet again, we're about to do that. [00:06:11] This is the 26th edition version 26 of the podcast. [00:06:17] I've got two names here to release titles and I haven't picked one yet. [00:06:22] So as a special. [00:06:24] Nearing the end of the year treat. [00:06:29] I'm going to pitch them both to you now, right? [00:06:31] So so we're in this together. [00:06:33] I like to think this is a highly collaborative one person show. [00:06:37] Version 26 rich nanotexture. [00:06:42] And that's a nod to the MacBook Pro has a nanotexture anti-glare screen coding option. [00:06:52] It's a reference to the rich Corinthian leather that was actually it's a Chrysler reference. [00:06:58] It's a made up thing. [00:06:59] There is no such thing as Corinthian leather, but like that's what they called their their seating. [00:07:03] And Steve Jobs referenced that as being the inspiration for I think it was the iPad calendar app. [00:07:13] With the rich Corinthian leather up at the top during the era of skeuomorphic designs back in 2010, 2009, maybe I can't remember exactly when they I think it's 2010 when he had his famous actually leather chair demonstration of the iPad. [00:07:28] Maybe the reason that that stood out to me was the car reference because it is it is an upsell. [00:07:34] The nanotexture $150 if you want to have a don't call it matte finish. [00:07:41] The other one, so that's option one, rich nanotexture. [00:07:46] And I didn't love it because I couldn't get texture. [00:07:49] I couldn't get the same Corinthian, right? [00:07:53] Like you want that bite, the multisyllabic bite that adds the extra, you know, the gravitas of a luxury good. [00:08:04] Yeah, texture just didn't have it for me. [00:08:06] But then if you change that word, it doesn't make sense. [00:08:08] So I mean, the other option two that came to mind version 26 don't don't by the way, don't think I'm going to edit this in post and fix it. [00:08:19] I will not. [00:08:20] I will ultimately land on one of these and that will be the title that you saw on your podcast player. [00:08:25] Or maybe some third thing will come to mind and then this conversation will be moot. [00:08:29] I do not think of this collaborative exercise. [00:08:32] Just imagine it's a it's a it's a quantum collaboration. [00:08:37] So by observing it, that's you actually took part. [00:08:41] You opened your podcast player and then the yeah, the entangled, you know, bits just they coalesced around one of these two names or some third name. [00:08:58] It's all just statistics version 26 Luigi's Mansion, which is a nod to two things at once. [00:09:05] I'm going to talk a little bit about GameCube, but also I'll probably not escape mentioning Luigi Manjoni Manjoni man. [00:09:15] You know, I haven't been watching the news. [00:09:17] I don't know how to pronounce his name, but it looks enough like mansion that I was like, oh, man. [00:09:21] I bet you there's a Nintendo PR guy whose day just got fucking ruined by the fella who is a overnight folk hero. [00:09:30] More attractive than most assassins, I would say. [00:09:35] Great hair. [00:09:36] Good skin. [00:09:37] Apparently, skincare Reddit is all about this fella who murdered in cold blood the CEO of UnitedHealthcare. [00:09:45] If you haven't caught the news, if you're even less online than I am. [00:09:51] And yeah, so I'm trying to decide. [00:09:53] I think Luigi's Mansion is probably going to win. [00:09:56] It's more timely. [00:09:57] It's the first time the name Luigi has come up in the last year. [00:10:00] And I may have mentioned nanotexture before when discussing Apple's very compromised studio display. [00:10:11] So I'm leaning Luigi's Mansion, but, you know, don't tempt me. [00:10:15] I might switch. [00:10:18] I'm going to just keep drinking coffee because I got to power through this. [00:10:21] Let's talk about some life stuff. [00:10:24] I so when we last talked that way back in the heady days of version 25, I had just gotten off a plane from Japan. [00:10:34] I was still a little bit jet lagged. [00:10:36] I recorded later in the evening. [00:10:38] I was tired. [00:10:39] You know, I was still overcoming. [00:10:41] I listened to the episode, realized I was overcoming a cold. [00:10:44] You know, then Becky shortly thereafter, after recording, she developed a pretty bad cough. [00:10:51] And so we've both been sleeping relatively poorly. [00:10:53] And I can't complain about this cough because her having a cough for four nights is nothing like me snoring on and off for over a year. [00:11:02] And I think the fact that her cough is consistent is actually a kindness compared to the sporadic nature of my snoring, where it's like I might go a week without it. [00:11:11] And then all of a sudden there's like, bam. [00:11:14] So she doesn't, you know, it's like sneaks up on her and that's not fair. [00:11:17] So so she's got a cough and I haven't been sleeping particularly well. [00:11:20] Maybe that's it. [00:11:22] I also, you know, I wanted to dry out because I was living on shoe highs, you know, canned cocktails in Japan for way too long. [00:11:30] Just drinking, you know, five whole dollars of alcohol every day, which is an irresponsible amount of alcohol. [00:11:36] It turns out. [00:11:40] Yeah, that's one nice thing about living in Orlando and theme park Orlando is that the average price of a cocktail here is seriously $20. [00:11:49] I think it is. [00:11:51] I am delighted and surprised when I find a cocktail under $20. [00:11:55] That's any good. [00:11:55] In fact, the four seasons right around the corner, their lobby bar has a some of the best bartenders in the state of Florida. [00:12:05] Like they went all kinds of awards. [00:12:06] And so when you say a lobby bar, you think it sucks. [00:12:09] But it's actually it's like it's a it's a restaurant with a room if you're ever around and they still do a happy hour with like $4. [00:12:18] It was $4 beers. [00:12:19] I think they finally increased to $5 beers draft beer. [00:12:23] And it's all craft. [00:12:25] You know, it's all fancy people stuff. [00:12:27] And they do it's I think it's $10 margaritas, French 75s, and they got some other happy hour cocktail. [00:12:37] It was highballs for a while. [00:12:39] Whiskey highballs was like probably centauri toki or something. [00:12:43] I gotta say like that $10 margarita. [00:12:47] They'll throw some jalapeno in there if you want some tahini rim, you know, they do it up. [00:12:52] They do it well. [00:12:54] But that might be the cheapest cocktail I've had in all of Orlando is at the Four Seasons. [00:13:01] Famous for that TikTok meme of the Four Seasons baby, if you're a TikTok person. [00:13:06] Anyway, all that all all this drinking talk back to the point. [00:13:11] I've been not drinking for a week. [00:13:12] And I, you know, I'm back to tracking my nutrients every day. [00:13:17] The things that I consume and adding up all of the protein and carbohydrate and realizing [00:13:21] if you don't drink, it's actually really easy to blow past one's protein goals. [00:13:25] And so I had one day where I had like 240 grams of protein, which is [00:13:28] enough protein that you'll feel it the next morning if you're not used to it. [00:13:34] And I still was losing weight. [00:13:38] I lost like five or six pounds in the last week. [00:13:43] And to the point where it was like, you know, I was feeling a little lightheaded, [00:13:47] a little bit woozy because I wasn't drinking enough is the takeaway. [00:13:52] So so thank God we got to go to a Christmas party last night. [00:13:57] It was it was great Gatsby themed. [00:13:58] And I dressed up like a man who wanted to do the bare minimum to not get made fun of at the party. [00:14:05] So I had some some suspenders on instead of a belt, which was the first time I ever put on suspenders. [00:14:13] They were not period appropriate suspenders simply because they had the, you know, the [00:14:18] little class B dues instead of how they had some other system for I don't I don't fucking know. [00:14:25] Like I, I had chat GPT basically helped me through this. [00:14:28] And it's like, hey, you want these kinds of suspenders? [00:14:30] I'm like, that sounds like an ordeal. [00:14:31] How about I just get some universal one size fits all fit and clip them in? [00:14:36] I also had a clip on bow tie. [00:14:37] So that worked. [00:14:39] When you think clip on bow tie, I guess I'd never used one before, but like it, I always [00:14:45] assumed it would just be like, you know, like a barrette clip that would go in front of the [00:14:49] front button and look silly for that reason. [00:14:51] And maybe that's how they used to be. [00:14:53] But it seems these days, if you want to spend $3 on a fancy clip on bow tie with a nice texturing, [00:14:58] I'll say, uh, it's just pre it's a pre tied bow with a still wraps around your neck. [00:15:04] It's just, it has a class mechanism, which seems smart to me, right? [00:15:08] I don't know what. [00:15:09] Look, if you're really into men's fashion, uh, there's this weird intersection or this tension [00:15:19] between I'm a manly man who, who ties my own shoes and, you know, kills my own dinner and [00:15:25] stuff. [00:15:25] And I, I, for fuck's sake, tie my own bow tie from scratch every day. [00:15:29] Right? [00:15:29] Like there's a toxically masculine approach to bow ties, but at the same time, it is such [00:15:35] a foofy accoutrement. [00:15:37] It's like an ascot, um, that the idea of like a manly man, like a man trying to demonstrate [00:15:43] his manliness by the fact that he doesn't use a clip on bow tie, uh, came to mind yesterday [00:15:50] when I was, uh, struggling even with the clasping kind. [00:15:54] I was like, man, I wish I could just get this to anyway. [00:15:58] Um, I had a vest at a gray vest. [00:16:03] This is all brand new territory for me. [00:16:05] Uh, yeah, I, I've, I've leaned pretty hard into the t-shirt and shorts and or jeans life [00:16:10] for so long. [00:16:12] Uh, the, the fella in front of us when we, when we were checking in, cause they took little [00:16:16] photos of you, uh, all of the women had the same exact flapper dress from Amazon, you know, [00:16:22] with the, the, the, the hairband thing with the, you know, fake, the polyester peacock tail. [00:16:28] Becky's looked the best. [00:16:29] I'm not gonna, I'm not even lying. [00:16:32] Uh, uh, her dress actually fit. [00:16:35] He had some, uh, very ill fitting flapper costumes that these women couldn't even move in. [00:16:40] Um, it was interesting. [00:16:42] Uh, but the, the fella in front of us at check-in was wearing a, a, a full blown, you know, tuxedo [00:16:48] get up that he brought from home. [00:16:50] And he was talking about, Oh yeah, well he's got two of them and his wife, you know, ribbed [00:16:54] him a little bit that he could only fit in one. [00:16:55] I was like, man, owning a tuxedo, that's nuts. [00:16:58] Like, and then it like turns out he's like got all these suits and these fancy clothes and [00:17:02] he's an older gentleman. [00:17:05] Uh, but my entire career only the first few years did I have to think about what I was [00:17:10] wearing and, and it never really got beyond pleated, you know, khakis and a starched shirt. [00:17:18] And, and I had, I had to wear a suit maybe on two sales calls. [00:17:22] Um, and they were always the sales calls that were just, uh, there were certain sales demos [00:17:30] when I was a, a, a baby consultant, these really complex bids. [00:17:39] I remember we were at cook County once, uh, uh, the, the county that wraps Chicago and it [00:17:44] has a lot of functions and facilities that operate at the county level. [00:17:48] So, but of course we're in Chicago in some, you know, uh, dystopian office building. [00:17:54] That's very Gothic, I should say. [00:17:57] And the, the solution that we were selling was a response to a bid around some kind of [00:18:05] document, electronic document ingestion and, and, and routing solution. [00:18:09] And so what, what that meant was it was like a 12 person team. [00:18:14] It was a big project working on this pitch. [00:18:18] And most of the work and most of the money came from the software side at the end of the [00:18:23] process. [00:18:23] It's like, you're going to get IBM file net and you're going to get all these different, [00:18:26] uh, enterprise tools. [00:18:28] And we're going to integrate, uh, with all your systems and, and build these custom integrations [00:18:32] that you've asked for here and here and here. [00:18:33] But the, the, the hard part is the human logistics of how do you get all of their paper documents [00:18:41] into the system. [00:18:42] Uh, and that was my job was I had to get paper and then scan it, uh, with a production, big [00:18:50] Kodak funkin fucking scanner. [00:18:52] Uh, and then use, what was it? [00:18:54] Kofax capture or something like a, like an OCR tool of the era. [00:18:59] And the thing about it is that scanning is not, was not ever a science and neither is [00:19:07] OCR, the OCR stuff and OCR stands for optical character recognition. [00:19:10] So you'd have a form and you'd write on the form, like, you know, uh, uh, uh, uh, some, [00:19:15] some demo address and name and all this. [00:19:19] I spent. [00:19:22] So like the people doing the software, like they, they could just like click a button and [00:19:26] like, they could even just use fakery, right? [00:19:29] Like, Oh, the API is not really there, but I'll always return this particular, like, let's [00:19:33] call it an XML soap message. [00:19:34] And so the, the software guys clocked in, clocked out, got back to their billable work. [00:19:39] I, because the stakes were so high in this particular, uh, and I'm here right now explaining [00:19:46] all of this nonsense because I had to wear a suit and that was also really bad, but I [00:19:51] was in Chicago late at night with a group of like, at that point it was like 9 PM and it [00:19:54] was just me and two partners. [00:19:56] Cause the partners had a sickness called avoid family, stay at work. [00:20:02] And, uh, I, I was just running over and over and over again where I'd like, you know, [00:20:09] I'd take the paper, I'd put it through the scanner and it would get 90% of the OCR stuff [00:20:13] done, or I'd get it perfect. [00:20:15] And it would scan everything just right, which would result in the downstream, you know, after [00:20:21] the capture, like all of my integrations, like would route it to the right thing. [00:20:24] So that like, it was basically a game of mousetrap or dominoes where like my task was both [00:20:29] the most important to being able to demonstrate, but also the most error prone, but also the [00:20:37] least, uh, financially like, um, valuable to, to our services company. [00:20:42] And so I had no support, uh, on top of that, they, the, our fucking it people pushed out some [00:20:49] kind of, um, you know, involuntary security update security and bunny quotes that, that [00:20:57] slowed my system down dramatically in the course of just like a day. [00:21:01] And I had, I had no way to test for this. [00:21:04] So I remember I was up at like 11 PM at that point, trying to make this work consistently [00:21:10] and realizing that the only way to get it to run it all required me to, um, install a virtual [00:21:16] machine, put windows in the virtual machine, install all this software inside that virtual [00:21:22] machine, and then run it there because only in the black box of an encrypted virtual machine [00:21:27] image or, uh, you know, a virtual machine, like disc image, could I evade all of the accountant [00:21:33] bullshit that was trying to track and encrypt and, and, and muck with files and flight and [00:21:38] so forth. [00:21:39] And so it was only around like probably one 30 or two that I got to bed and our, our demo [00:21:46] was like at seven in the morning and I had to wear a suit. [00:21:47] So if you ever wonder, Hey, why is Justin always just in a, a t-shirt and shorts? [00:21:54] Uh, I would say childhood trauma, fuck suits. [00:21:59] The only, the only time I associate like nice clothes, you know, having a lot of [00:22:03] having to dress up is church shit. [00:22:05] I didn't want to go to. [00:22:06] And usually it's like the worst church shit. [00:22:09] Like there's some cool church shit out there, you know, youth group where everyone's a horny, [00:22:14] right. [00:22:15] And singing pop songs to try to get people in. [00:22:17] That's as church shit goes, that's above average. [00:22:21] But when you're talking about like, Hey, you know, this aunt you've never heard of died and [00:22:27] we got to go all the way to goddamn Dearborn to sit in a Catholic mass, that's going to [00:22:32] be in Latin. [00:22:33] And they're going to, you know, one of those, you know, you should feel bad for him because [00:22:39] he's abused. [00:22:39] But one of the altar boys, he's going to be waving that little like incense thingy, [00:22:43] the jigger back and forth and back and forth like a metronome. [00:22:46] And, uh, you're going to get all this soot in your face, all of that, you know, frankincense [00:22:51] and myrrh and whatever the fuck they burn. [00:22:52] And, uh, yeah, then they're going to play some songs, but they're not going to be songs you [00:22:57] want to hear. [00:22:57] And you're going to be uncomfortable because I bought you this suit at JC Penny when you [00:23:01] were like nine and you're 12, you're 12 now, and you've gained a lot of weight, but [00:23:06] here we are. [00:23:07] And then you got to go and, you know, like, don't worry because after the service, there's [00:23:12] a big meal, but it's mostly just going to be, you know, styrofoam plates and plastic forks [00:23:16] and, uh, cold rubbery chicken. [00:23:19] And then a whole lot of family members who want to pinch your cheeks, uh, had an aunt that [00:23:24] always wanted to, um, put on a bunch of red lipstick and kiss me and leave kiss marks. [00:23:30] And she thought that was adorable and everyone else thought it was funny. [00:23:33] And for whatever reason, I wasn't a fan, uh, that's the kind of, uh, yeah, so anyway, moving [00:23:45] right along the, uh, the, the other than having to dress up, the, the Christmas party was really [00:23:50] nice because it had an all you can drink martini bar. [00:23:52] So that, that helped that took the edge off a little bit since I hadn't been drinking for [00:23:57] the previous week. [00:23:57] Uh, and it was, you know, uh, they, they had a great bartender, the, the, I assume that [00:24:07] that people drank gin martinis back in the day of Gatsby, but it seemed to be a vodka forward [00:24:12] martini bar, which I appreciated. [00:24:15] Uh, as I get older and my taste buds start dying, uh, I found myself going from dry martinis [00:24:23] to martinis with an olive to martinis with two olives to me asking for like a little bit of [00:24:30] olive juice and then drinking the martini and realizing that wasn't quite enough olive juice. [00:24:34] So that's just disgusting, but, um, it's where, uh, it's one of the signs of age, I guess. [00:24:43] Uh, so the martini bar was good. [00:24:46] Uh, they also had an aged old fashion that they'd made, you know, homemade, um, with like nutmeg [00:24:51] and cinnamon in there. [00:24:52] That was impressive. [00:24:53] Uh, so yeah, had a, had a big old Christmas party last night, had a couple of drinks, uh, [00:25:00] and, and, uh, because of the contrast, whenever I go, you know, go a week without any alcohol [00:25:06] and then I have some alcohol and then I wake up the next morning and I'm like, oh yes, I [00:25:11] know what people mean now that alcohol is poison. [00:25:13] And it's a mildly poisonous thing because I feel mildly poisoned. [00:25:19] Um, and, and I just usually feel that most days until I forget about it. [00:25:23] So it's a data point, uh, to think about, uh, uh, I, I, I had a good, good run for, [00:25:30] for a while there, just cause like when you live in a fucking theme park and there's nowadays [00:25:34] alcohol everywhere that I go and every outing, I had a good run for a few months. [00:25:40] Um, not last year, the year before where I just didn't drink at home as a rule to myself. [00:25:46] I was like, you know, I'm not going to pour any liquor for myself at home unless I'm entertaining [00:25:49] guests. [00:25:50] And, uh, even then go easy on it because I I'm, I'm, I'm going to just the background radiation [00:25:56] of existence in when you live in a bunch of resorts. [00:25:59] Uh, I'll, I'll get, I'll get, I'll get plenty of alcohol subcutaneously. [00:26:05] Um, a contact tie. [00:26:07] So maybe I'll, maybe I'll try that again. [00:26:10] I don't know. [00:26:11] It's the stuff you think about in mid December when you're just inundated with specialty food [00:26:17] and drink options, uh, do other life stuff that isn't alcohol or religion or clothing [00:26:27] related. [00:26:28] Oh, uh, uh, I've been on a quest to not necessarily save a bunch of money, not necessarily. [00:26:35] Uh, I was going to say, uh, tighten my belt, but, uh, I don't know what the suspender equivalent [00:26:43] is because I did not wear a belt last night. [00:26:45] I just wore suspenders. [00:26:46] Uh, I've been interested in, in not budgeting either. [00:26:52] Just, I think awareness. [00:26:54] Like I want, I know that a lot of money flies through my pockets every month in the form of, [00:27:01] um, SAS software subscriptions and streaming services. [00:27:05] I mentioned this last, uh, last go round that I was recommending, Hey, let's say, go take a [00:27:11] look at like our unused streaming subscriptions of those. [00:27:14] Uh, yesterday I did cancel max. [00:27:16] Cause I realized that, uh, if I'm not watching a lot of news, I'm not going to watch John Oliver [00:27:20] and, and they frankly, a lot of HBO's prestige shows haven't been besides they cut a Sesame [00:27:28] street and it just so happened that I canceled that day. [00:27:31] So maybe there's a, some data engineer at HBO who's like, Oh man, people are canceling because [00:27:37] we got rid of Sesame street. [00:27:38] Uh, that would be good. [00:27:40] That would be good for America to get that feedback. [00:27:43] Uh, yeah. [00:27:44] I just want awareness of like, where's the money going and in what proportion and does that sound [00:27:50] right to me? [00:27:50] Uh, and I've, there are software tools for this. [00:27:53] Uh, they are all compromised in some way. [00:27:57] For example, we just, uh, we'd used lunch money in the past, which is a cool app. [00:28:02] And it has the kind of, you know, basic integrations you would expect. [00:28:06] I don't know if it uses plaid or whatever behind the covers, but like you, you connect your, your, [00:28:11] your checking accounts, your credit card accounts. [00:28:14] It lists all your transactions is very, um, customizable in terms of rules that you can [00:28:21] set. [00:28:21] It has an API. [00:28:22] Jen is a solo co-founder and she seems really, really competent and lovely and responsive, [00:28:27] which are all great things. [00:28:29] But the UI is a little clunky for me. [00:28:32] I don't like how it handled URLs. [00:28:33] It was like, once you got all the transactions in there and, and set up, it didn't feel informative [00:28:41] because there wasn't like a good reporting or graphs that just kind of at a glance would [00:28:45] tell you, this is where your money's going. [00:28:46] At least for me. [00:28:47] Uh, additionally, like it, it can't do the Apple card. [00:28:51] That's the, that's become the crux for a lot of these services is that, um, Apple card [00:28:55] only added support for reading. [00:28:59] Uh, well now you can read, uh, uh, so I, Apple added away on iOS and specifically iPhone [00:29:07] OS to read, uh, transactions from Apple card, Apple savings and Apple cash. [00:29:14] And this was like nine months ago, if that, but copilot, uh, money is one of two apps maybe [00:29:22] that supports this. [00:29:23] And so if you, if you have, we have, we each have an Apple card and we use it for kind of [00:29:29] our silly stuff whenever we're, you know, using a tap to pay. [00:29:33] So, so if, if you want to track transactions and you don't want to manually export CSVs [00:29:40] from your wife's phone every 30 days, which is the process that I'd fallen into with, with [00:29:44] lunch money, then you, you basically have copilot money. [00:29:50] And then there's another one, maybe Monarch, uh, the copilot money. [00:29:53] People are always talking about this other app called Monarch. [00:29:55] I haven't checked it out. [00:29:55] I don't know if that's why they like it or if it's just the other one that's being developed [00:29:59] right now in this post mint apocalypse, as we all grapple with the fact that mint was [00:30:04] always bad, uh, but people got into it and I don't copilot money is like nice, but like [00:30:11] it, like, for example, like if I'm, uh, if I buy a, uh, if I put $10, the equivalent of [00:30:19] $10, so 1000 yen on my Starbucks card in Japan, which is totally separate because of course it [00:30:25] is there's two Starbucks cards. [00:30:27] There's the one in Japan and then the one in the rest of the world. [00:30:30] So you open the Japanese only app, you put a thousand yen on it. [00:30:33] Uh, you pay for that with Apple pay. [00:30:36] So which goes to my Apple card and copilot money will read that transaction. [00:30:40] But if you read like the text in the merchant description, it's literally like [00:30:44] staba day and it's like all no spaces. [00:30:47] It's just like 40 characters in a row to, and if you really squint, you can kind of see [00:30:52] Starbucks, Japan, um, you know, app store payment, which is, you know, like I want to [00:31:00] change that to Starbucks, Japan, and then set up a rule to just like always change that. [00:31:05] So I don't have to like memorize these random ass merchant names. [00:31:08] Uh, apparently like after, after two hours of setting up copilot money yesterday, I realized [00:31:13] that there's like both no way to set up that kind of rule. [00:31:16] The only rule that it supports is categorization of, of spending fine, but then if you set [00:31:22] up a rule and you don't like it, there's no way to edit the rules cause there's no UI for [00:31:25] rule editing. [00:31:26] And so then, you know, where do you go, but read it and you're like, okay, well there's [00:31:30] a subreddit. [00:31:30] And then like, what's half the post in the subreddit? [00:31:32] It's about, Oh, of course it's a bunch of dads who are like, I can't see my rules and I have [00:31:36] to contact support. [00:31:37] And it's been nine months. [00:31:38] And I was like, Oh God. [00:31:39] So that's, uh, if anyone's got any great budgeting software that supports Apple card, you let me [00:31:46] know. [00:31:47] Uh, and also isn't a part-time job. [00:31:50] I'm not gonna, I'm not gonna spend all day on this. [00:31:52] I'm not, I'm not gonna, I'm gonna check in on this, uh, the four times a year that I, that [00:31:58] I wake up in a cold sweat wondering, Oh my God, how many subscriptions do I have? [00:32:02] Which is, uh, I, I really missed my calling by not being a dad, I guess. [00:32:07] But it did land me on looking at rocket money. [00:32:11] Uh, so, so, so there was an app called true bill that marketed heavily with like a lot of [00:32:19] other DTC apps where the pitch was, we will negotiate your bills for you. [00:32:26] And by bills, I think that one of the reasons why this, this, this business probably struggled [00:32:31] is that there's really only two that they could reasonably negotiate on your behalf. [00:32:37] You know, you, you imagine they've got a call center or they've got people who've, who [00:32:40] are trained, who have scripts that they follow, who, who will doggedly keep calling back until [00:32:44] they get what, you know, the discount, the, just the steps that you would have to go through [00:32:48] if you wanted to call Comcast or Verizon, they, they, they, they can basically could basically [00:32:57] only really negotiate your ISP and your cell phone carrier. [00:33:01] Cause those are the two sort of, you know, that are, that are transactional enough that [00:33:08] are regionalized or nationalized enough that they, that they could train on. [00:33:11] And then of course, like they, they're the ones that like get you in with a teaser rate and [00:33:15] then gradually turn up the heat over the course of a couple of years. [00:33:19] Well, Quicken Loans bought, they rebranded as rocket and then rocket fill in the blank [00:33:26] with other products. [00:33:26] And they bought true bill around the same time. [00:33:29] And I, my understanding from a distance is that true bill, uh, uh, that became rocket money [00:33:36] in order to be an entree into other rocket star services. [00:33:41] So like you, you now, when you install rocket money, it's still got the negotiation thing. [00:33:46] Cause that's what they market it on, but you have to slog through so much like, no, I'm actually [00:33:52] all set with credit and, and, and, and debt repayment services. [00:33:57] And I'm, I'm already all set with financial advisors and retirement goals. [00:34:00] I just get me to the, to the thing where I can pay you 35% of whatever you save me on [00:34:06] my ISP bill. [00:34:07] And so of course, you know, like I, I, I signed up for the first time, went through the app [00:34:12] onboarding. [00:34:13] I was not impressed with the bugginess of the app, but I was able to soldier on through [00:34:19] it. [00:34:19] And where I landed was I was, uh, following its little setup wizard for first. [00:34:27] Spectrum, which is my internet provider. [00:34:28] And I was, I'd initially paid a hundred dollars when I moved here in 2021, uh, a month for, [00:34:36] for one gig down, call it 30 megabits per second up. [00:34:40] And I can't get a, another ISP here. [00:34:43] They had an exclusive agreement. [00:34:44] They're building neighborhoods bullshit. [00:34:47] Uh, and I, I, so I can't get higher upstream and that really gets in my crawl. [00:34:53] Nevertheless, they have increased prices about $15 a year. [00:34:59] Each time I'm here to the point now where I think my monthly, you know, debit is like $150, [00:35:05] $145 and you fill it out and you give them your pin number. [00:35:11] You got this customer pin that like, you know, is secures your account. [00:35:14] I'm like, eh, all right, well, that's four digits, you know? [00:35:17] And besides I'm already on like this one dead simple plan. [00:35:20] It's just their normal plan. [00:35:22] And it's, you know, like I'm paying top dollar for it. [00:35:26] So what's the worst that they could do if they, if somebody else were to call and change [00:35:30] my plan up, you know, like it, it wouldn't cause that much lasting damage. [00:35:34] Cause it's not like I'm on some teaser rate. [00:35:36] It's not like I've got a great deal as it is. [00:35:38] So I let them do it. [00:35:39] And three days later, I had low expectations, right? [00:35:42] Cause you go on Reddit, speaking of Reddit, you go on and you, you search other people's [00:35:46] experiences and people will say, oh yeah, well like the, you know, I, some of them are [00:35:52] pretty hyperbolic. [00:35:53] It's like, you know, like they, they changed my plan to this and now I'm stuck with this, [00:35:57] you know, TV subscription for the next four years. [00:35:59] And then they charged me a thousand dollars in imagined savings that never materialized. [00:36:03] I'm like, shit. [00:36:04] All right. [00:36:04] Well, that's, that's not good. [00:36:06] But I, I gave them a shot. [00:36:08] They came back three days later and they said, congratulations. [00:36:12] We saved you $859. [00:36:14] I was like, what the, excuse me over the next 12 months. [00:36:18] And it turned out that they got me from $142, $145 down to 70 flat. [00:36:25] You multiply that by 12 and then indeed comes out to eight something. [00:36:28] And I was like, damn. [00:36:29] All right. [00:36:30] And so I've been, I've been looking for the other shoe to drop like ever since, like something [00:36:36] is fishy here. [00:36:37] Like I, they didn't sign me up for other services. [00:36:39] I did receive, I'm looking over at it now. [00:36:43] I did receive a relatively large box that has a, you know, one of those wifi modem router [00:36:50] combo units in it. [00:36:51] That was partly like apparently part of the deal. [00:36:54] I don't know if they canceled my service and then in one fell swoop also signed me up for [00:36:58] service. [00:36:58] But now I've got this gigantic fucking wifi thing that wouldn't even fit in my patch box [00:37:02] if I wanted it, which I don't. [00:37:04] So I'm, I'm, I'm currently in this ether of like, well, if my modem that I rent is still [00:37:11] going to work, I rent for $0. [00:37:14] It's one nice thing about spectrum. [00:37:15] If my modem that I rent is still going to work, uh, maybe I can just keep this wifi thing in [00:37:20] the box and not call anyone. [00:37:22] And maybe everything will keep working and I'll pay the $70 a month, or maybe I should send [00:37:27] the other one back, but then that might trigger some other thing. [00:37:30] Right. [00:37:30] I, so look like, do I recommend the service? [00:37:36] I don't really, I don't, we'll see. [00:37:38] Right. [00:37:39] Like call me in a year. [00:37:40] I should set a reminder. [00:37:41] Oh, I'm sure if something bad happens, I'll, I'll be right on the airwaves screaming about [00:37:47] it. [00:37:47] Like I, like I do, but even after this experience, saving me a lot of money, like what I trust [00:37:53] them with my T-Mobile account, right. [00:37:54] Where I have been grandfathered in on what was called the one choice plus plan in 2014 [00:38:01] or whatever. [00:38:02] And it's genuine, honest to God, unlimited data without any real throttling. [00:38:08] As far as I can tell, until you get to some absurdly high number where you can watch your [00:38:12] videos in HD on your, you know, like, like it's, it's, it's a good one. [00:38:16] It's better than their magenta crap. [00:38:18] Um, and a lower price than their magenta max thing. [00:38:21] Well, we got three lines. [00:38:22] You got, you know, the watches and I would love to pay less for that, but I just don't [00:38:27] try like you, you, you fill out the rocket money form, uh, with the, uh, the, the, it wants [00:38:34] your T-Mobile, like login information. [00:38:36] And that's, that was a bridge too far for me. [00:38:40] I got there and I was like, you know, I could just imagine this going poorly. [00:38:44] You know, these plans are so complicated and feels like even when I call T-Mobile and I [00:38:48] ask, Hey, how's the weather? [00:38:49] Like they click a button and it fucks up my shit for two weeks. [00:38:52] So I'm, I'm, I'm good. [00:38:55] I can probably afford a cell phone bill. [00:38:57] Uh, I just, I just would prefer not to have to pay it. [00:39:01] Only one other life item in the last week, I was given a special opportunity. [00:39:11] Um, I've talked about massages a couple of times on this program and the, uh, I mentioned, [00:39:15] uh, the one I went, uh, the one I had most recently in a previous episode, I, I, I was, I was wrapping [00:39:29] up my massage with a human like you do. [00:39:31] And the human said, have you, have you tried our robot massage? [00:39:36] And, uh, I didn't know how to take that. [00:39:38] And I said, I, I've heard of it. [00:39:41] I know Becky tried it. [00:39:43] If you check Becky's, um, Becky Graham, you'll see, uh, there's a video of her, uh, getting [00:39:48] felt up by a robot. [00:39:50] Uh, I forget the name of the company, but it's, it's, uh, it's like a robot that tries to simulate [00:39:59] the experience of a human massaging you. [00:40:02] So it's, uh, you're on a bed, you're face down. [00:40:06] It's, uh, got arms that kind of go back and forth, uh, on a track and they, they push and [00:40:13] whatnot. [00:40:13] And it kind of reminds me of the white birthing robot from star Wars episode three at the end [00:40:21] when, when Luke and Leah are being born, it does everything short of make the cooing [00:40:26] sounds to get the babies to calm down. [00:40:28] You know, like I, you do have a tablet and you can, you can pick out these pre-baked Spotify [00:40:34] playlists while it's pushing on you. [00:40:36] Anyway, all that to say, I signed up, um, mostly cause it was free. [00:40:41] So I had a 30 minute trial and, uh, the fact is trying to imitate humans was really interesting [00:40:49] to me because I had just spent a month in Japan, uh, getting, uh, what'd you call it? [00:40:54] Uh, massage chairs, our hotel chain that we stay at has always has massage chairs and even [00:41:01] bad massage chairs in Japan are pretty intense. [00:41:03] Uh, uh, but, but good ones are just like, you know, you go in there and it's just like, [00:41:09] I'm sure there's been, you've probably seen a horror movie image, right? [00:41:13] Where it's like, you sit in a chair and then like 25 hands grab all the parts of your body [00:41:18] simultaneously and that is meant to be horrific. [00:41:20] But if those hands, if there was some nice music playing and it was illuminated and those [00:41:25] hands were massaging you simultaneously all over your body, maybe it would be pretty, pretty [00:41:29] great. [00:41:29] And so that's what a Japanese massage chair is like. [00:41:33] Cause they, they don't have this arbitrary conceit that a massage must happen in a format [00:41:39] that resembles how it would happen if a single human on a bed surface was rubbing your tiddly [00:41:45] bits, which is what this robot is. [00:41:49] Right. [00:41:49] And so it's trying to think of another analog, right? [00:41:55] Like where we, we kind of retain the artifice of the way that it used to be before we automated [00:42:00] it. [00:42:00] And, and in some, sometimes we do that to keep people being comfortable like that rich [00:42:05] Corinthian leather. [00:42:06] It's like, we wanted to look like a traditional calendar. [00:42:08] So people know what they're looking at instead of just a bunch of boxes. [00:42:11] It's like, Oh yeah, this looks like a placemat style calendar that I would have had on my desk. [00:42:15] And then eventually that ages out. [00:42:16] And the younger people are like, I've never seen a calendar on a desk, even though my dad [00:42:20] grew up with one, you know? [00:42:24] So maybe that's it, right? [00:42:25] Like, like sometimes that's why we would have a robo massage that like, you know, pressures [00:42:31] and needs you, you know, kind of with just the two arms up and down in particular points, [00:42:35] sometimes at the same time, sometimes just one arm, you know, it's, it's, it's less efficient [00:42:41] is my immediate frustration. [00:42:43] Cause it's like, you could have 45 fucking arms going to town all over my body and I'd [00:42:49] get way more work done in 30 minutes. [00:42:52] Right. [00:42:52] Cause I'm just trying to min max my existence, but instead by, by, by, by imitating a human [00:42:59] massage, like nothing is really gained because I can't see it. [00:43:03] I'm facedown. [00:43:04] I'm looking at a silly tablet and watching imagery, imagery of forests and, and, and ocean waves [00:43:10] and whatnot, and I'm kind of getting a, you can look at a weird overhead view of what [00:43:14] your body is looking at, looking like right then, you know, like it scans your body and [00:43:19] then has like a little illustration of like, here's where I'm pushing you. [00:43:21] Here I go. [00:43:22] It's, it seems more to me like they designed this, you look at this unit and it's just like, [00:43:31] this has got to cost at least 15 grand. [00:43:34] This is an expensive, complicated piece of equipment. [00:43:38] It feels like a lack of imagination, uh, to, to somebody had the idea, let's take human [00:43:47] masseuses out of the equation and just make a robo masseuse thing that we could put in spas [00:43:53] when, uh, you'd actually have a better experience. [00:43:56] It would be cheaper. [00:43:57] And there's like more prior art at Panasonic or these other companies in Japan. [00:44:01] If you just made a, you know, massage chair, but that would be boring, I guess. [00:44:08] Uh, and massage chairs, like you, you hear the word massage chair right now as you're listening. [00:44:13] And if you haven't had like a real one, you know, at a Japanese Denki-yasan on the third [00:44:17] floor, where all the salary men on their way home tell their wives, oh, I got a, I got a big meeting [00:44:24] with the boss and then they go to, they go to Yamada Denki or they go to Yodabashi camera. [00:44:28] And then they just, you know, they take their briefcase and they set it down next to one of the [00:44:33] trial units of the massage chair. [00:44:34] And then they, they, they, they, they go into this little like sensory deprivation pod and [00:44:39] they get all their bits smushed simultaneously and they got a remote control and they can [00:44:45] say, just do it hard. [00:44:46] And then they can forget their worries for, for 15 minutes until, uh, one of the staff has [00:44:52] to remind them that, uh, they don't live there and that they have to go home now. [00:44:56] If you haven't had that experience, uh, you probably, when you hear a massage chair, think [00:45:02] of like those $2, you know, leather chairs that are, you know, just like our just normal [00:45:08] fucking chairs that may be vibrate, like the vibrating bed equivalent that you see at an [00:45:12] airport. [00:45:12] Um, this is not what I'm talking about. [00:45:15] So get your head out of there and, and go Google, you know, for high end Japanese massage [00:45:22] chair, and you might get some idea. [00:45:24] Uh, also I, uh, in the course of a 30 minute massage, I encountered so many fucking Android [00:45:32] tablet bugs. [00:45:33] I, I didn't, I gave them a lot of feedback cause they, this is sort of a trial that they're [00:45:37] doing. [00:45:37] They wanted to want to know how, what I thought. [00:45:40] And I gave them a lot of this perspective and feedback about like, well, you know, this [00:45:44] skeuomorphic design, yada, yada. [00:45:45] But I didn't even touch any of the software stuff. [00:45:49] Cause like there's an absolutely nothing that they're going to be able to do with that much [00:45:52] less like they won't even be able to communicate this back to the company in a way that's helpful, [00:45:55] but it was, you know, it would freeze or the display would become non-responsive. [00:46:01] One time I had the music just turn itself all the way up. [00:46:05] The, um, the, so many things about this design are meant to make you feel comfortable are [00:46:13] meant to make you feel safe. [00:46:14] Like if, if you, it moves at all, or if it detects anything is off at all, it basically [00:46:20] like will, will disengage entirely and reposition itself. [00:46:23] And then you have to actively resume the massage. [00:46:26] And then it's got to put the little flappy doos back over you. [00:46:30] Like it's really worried about people flipping out about this robot pressing up against them. [00:46:36] And it extends to, to like, you know, you pick your firmness, like light, medium firm. [00:46:41] And I clicked firm. [00:46:42] And then there, you could see there was like a little like pressure bar on the right. [00:46:47] And that even though I'd clicked the firm preset, I wasn't at a hundred percent pressure. [00:46:52] And I was like, well, that, that won't do. [00:46:54] And so I jacked it up to a hundred percent right out of the gate. [00:46:56] And the whole time, 30 minutes, like you could, uh, [00:46:59] Hmm. [00:47:01] It, I knew that a massage was happening. [00:47:05] Like I knew when contact was being made, but like, it was not a massage. [00:47:08] It was, it was somebody kind of like, like, like back rub would be generous. [00:47:14] It was like somebody like took an open palm hand and just pressed it. [00:47:18] Just, just, just an obnoxiously against different parts of my body and no firmness beyond that. [00:47:26] So you got a robo massage. [00:47:29] It's limited in what it can do. [00:47:33] Cause it's trying to imitate a human. [00:47:34] It's very worried about liability, which is why I imagine the max firmness is light pressure. [00:47:39] Uh, and it's fussy and it's buggy. [00:47:42] And of course it can only do very limited regions of the body. [00:47:45] Like if I was a massage therapist, I'd be like, Hey, sweet. [00:47:49] You know, I'm going to keep having a job longer than all these programmer juckle fucks. [00:47:52] You're going to get replaced by a Claude and open AI. [00:47:56] So I'm, I'm, I'm, I'm confident that a massage therapist is going to be a, a lucrative, you [00:48:03] know, going concern as a career for a little while programming. [00:48:08] I'm not so sure of, but most of us listening have already made our choice, whether we're [00:48:14] going to be massage therapists or programmers. [00:48:16] So we're just going to have to see how this, how this plays out. [00:48:19] All right. [00:48:20] Well, that's all, that's everything going on in my life. [00:48:23] So let's, uh, well, let's follow up on stuff that had been going on in my life and is now [00:48:30] continuing or is once again, I started to realize that there's a, there's a certain theme to this [00:48:37] show. [00:48:37] Hmm. [00:48:38] All right. [00:48:46] There's basically two major areas of follow-up today. [00:48:51] Um, but somehow the two of them take up 11 bullet points in my notes. [00:48:59] So I'll try to be expeditious. [00:49:02] The first is I bought a, uh, M4 pro MacBook pro, I guess an Apple nomenclature, a MacBook pro [00:49:13] left parentheses, 2024, right parentheses with M4 pro. [00:49:19] I think is probably maybe the 2024 is at the end. [00:49:22] Maybe they don't put the date now that they have the chip name. [00:49:25] In any case, I needed a computer that was built for Apple intelligence, which is how they also, [00:49:32] they crammed that in the fucking name. [00:49:34] Um, and like the, every subheader says Apple intelligence on it, which, you know, I mean, [00:49:40] if you're, if you're a marketing dude, it's the thing that, you know, like you gotta, every [00:49:48] year is a struggle to goose people into, to buying computers. [00:49:51] And, uh, it's been a while since they've had anything new to say that your computer can do. [00:49:56] So it makes sense, but come on. [00:49:59] It can't even make Genmoji yet. [00:50:02] Uh, just if you've, if you've downloaded it, used 18.2 iOS or iPadOS, uh, go turn on the, [00:50:13] um, you know, the AI feature, if it's available in your region and language, and then you open [00:50:19] the image playground app and you click through there and let it download all of the image [00:50:24] playground shit, uh, in particular, the image playground itself, where you can take a person [00:50:30] and a place and kind of like, you know, create sort of a, uh, a witch's brew of bad imagery [00:50:35] and then, and then have a keep swiping to the right as, as they just all look bad that I have [00:50:43] no, no need for, but Genmoji, or at least the promise of Genmoji, I like quite a lot. [00:50:49] I enjoy, you know, um, typing in little like name, like, so we were at the parks, uh, with [00:50:57] our friends last week and it was a Jollywood Knights event, which is also Gatsby themed. [00:51:06] There's a reason why ordering 1920s era costumes on Amazon in Orlando was like not an overnight. [00:51:13] It was like a two, three day leg because this, this Jollywood Knights 1920s era themed, uh, [00:51:21] ticketed event at Hollywood studios has been going on. And it was one of those nights. And so some [00:51:26] flapper lady in line, she had a purse that had a phone handle on it. And her husband, who now that [00:51:34] I think back on this was dressed very similarly to how I dressed myself last night. So something tells [00:51:39] me he was sort of a long for the ride in this, she picked up the phone handle off of her purse and [00:51:46] handed it to Becky. And then he, you could sort of see him on the phone being a bad ventriloquist [00:51:53] and talking to her on the phone. So like his cell phone was somehow communicating to the purse phone. [00:51:59] It was very, it reminded me of get smart, you know, like that spy TV show from the sixties that was on [00:52:05] Nick at night in the eighties or nineties when I would have watched it. Uh, of course it didn't [00:52:10] work. And then we were just in line and it was like, sorry, we're in line. It didn't work. And then, [00:52:14] and then of course the way that lines work, right. As you turn left, turn right. And now it's up, [00:52:18] here's the same people again. And so they're like, all right, try again. So she picks up the purse [00:52:23] phone and here's the guy talk. And she's like, yes, this is indeed a telephone. That is a purse. [00:52:28] My reaction, my contribution to this experience was to try to generate a Genmoji for the group [00:52:35] that I was with. That was like purse phone. And, uh, wouldn't you know it, uh, it struggled to like, [00:52:43] I was like purse with a phone handle on top. And it was, it gave me like one with like a, [00:52:49] like a locker combination lock instead of a rotary dial in the middle. It was all, it was not, [00:52:54] not good. And, and I think like a lot of these Genmoji, in addition to being bad and not good, [00:53:01] they are when they, there's, they have to be so detailed because usually it's people mashing up [00:53:07] different concepts. They have to be so detailed that when in line with texts, you have to squint [00:53:12] and you can barely see what they are. And then if they're as a tap back, you have no hope of knowing [00:53:16] what they are. Like if it's of a person, for example, like it's, you're going to get like 80% shirt [00:53:21] and then like 10% head. So you're not going to be able to tell who's what. Uh, so those need work [00:53:27] and no one wants my Genmoji. My, my brother has formally requested. I stopped sending them and, [00:53:32] uh, I will, I will take that request under advisement. Anyway, uh, bought a MacBook pro. Um, [00:53:42] Oh, I've got a, I've got a parenthetical as a C notes. All right, well, here's eight more bullet [00:53:50] points. I'm going to rattle through these. So Becky, actually, it was her idea. She wanted to [00:53:54] get me this. We were in Japan. She's like, Hey, you know, I heard you talking about the nanotexture [00:53:57] display. And like, of course, you know, the, the, the brighter screen and us being in Orlando, [00:54:01] you never use a computer outside or out of the house. So she wanted to buy it. And she said, [00:54:06] it was just really complicated. I didn't want to fuck up. I didn't want to get you the wrong set of [00:54:09] options. I asked Aaron and Aaron didn't know either. He said he hadn't really been on top of it. [00:54:16] Uh, and I was like, honey, that's so I didn't say like, bless your heart. I, it was a such a sweet [00:54:23] gesture. And it is true that I've been curious about it. Um, but I didn't feel like, uh, I had [00:54:30] to get one right this minute. Uh, and, and honestly, the, the, the 14 inch MacBook pro is still too heavy. [00:54:36] I, I, I, I lifted tonal my, my weightlifting robot, uh, reported in my tonal wrapped because [00:54:46] everything has to do a goddamn wrapped dingus to try to share in social media as if like, you know, [00:54:52] one assumes that all these wrapped posts just go to the goddamn bottom of every algorithm because [00:54:57] they're all the same. But in any case, it showed me a little wrapped video and it said, I wait, [00:55:02] I, I lifted one and a half million pounds last year or over the course of 2024. And I was like, [00:55:07] that's a lot of weight that I lifted. I, yesterday I did the equivalent of like, you know, 250, [00:55:12] 275 pound deadlift barbell deadlift. And that was hard, but not too hard. It's the max weight that, [00:55:20] that tonal can do. Um, I, I, I, I like to think I'm pretty strong now. Uh, that four pound fucking [00:55:31] MacBook pro is backbreakingly heavy, no matter where I am, I'll pick it up and like, that is denser than [00:55:40] it looks. It's a, it's like when you pick up a baby, that's like a little bit too dense, you know, [00:55:46] and you're just like, Oh wow. I was expecting this to be more fun. This is just going to give [00:55:51] me pelvic floor problems. If I do this for more than exactly 30 seconds and then hand it back to [00:55:57] its mother who surely has pelvic floor issues. Um, I don't want to be carrying around this MacBook pro. [00:56:05] I don't want to carry it with my arms. I don't want to carry it in a bag. I don't want to carry it [00:56:09] into the car. I don't want to carry it, you know, uh, in a Starbucks. I want to hire a Porter to [00:56:16] bring it around to me, you know, from place to place. Maybe, maybe they could also saddle up and [00:56:23] have a, uh, vision pro. So that's what I really want. Uh, at least until, and unless Apple releases [00:56:30] the 12 inch MacBook pro, uh, that we were promised in our early years. [00:56:34] Anyway, when Becky said that it was hard to configure and figure out what she'd want to order [00:56:43] or what I would want her to order. And as a result would have made a pretty lousy gift because [00:56:49] the likelihood of her getting it right. Where if you look at the number of configurations for these [00:56:53] seeing this thing, like astronomically small, I actually spent, I sat down, I look, I, I said, [00:57:01] I didn't need the thing. And then I come home and then within a day and a half, uh, my MacBook air is [00:57:07] crying because it's out of storage to the point where like I composed an email and I hit send on the email [00:57:12] and then Apple mail reported, yo, we just barfed on all this and just deleted all your shit. Cause we [00:57:17] ran out of disk space, no warning. And in modern day Mac OS, you don't get to know how much disk space [00:57:23] you have because all of it is like optimized storage. So like whether it's your iCloud drive [00:57:29] or it's your Apple photos, once the system is under any sort of, um, storage stress, it'll, [00:57:35] it's supposed to detect that and start deleting shit. Your phone does this too. So sometimes like [00:57:41] you're like, like I was importing a bunch of raw images on the phone and it said, Oh, you're out of [00:57:45] storage. And then I knew, because I know how it works under the hood, even though it exposes zero [00:57:49] controls or visibility as to what is going the fuck on. I knew that when it ran out of storage, [00:57:54] the right solution was sit and wait for 30 seconds while it deletes shit in the background and then [00:57:59] just hit import again. Right. Well, I, that didn't work in this case. Like I actually went and deleted [00:58:05] like a hundred gigabytes of garbage. It's a small SSD. It's a 512 gigabyte MacBook air. I deleted all this [00:58:11] stuff, but, um, from my iCloud drive on another computer, because this one was finder was completely [00:58:17] unresponsive. Uh, and it never got better because it had suspended all iCloud drive syncing as a, [00:58:24] probably like some sort of like memory safeguard or storage safeguard to like make sure I didn't, [00:58:27] it didn't fuck up anything in the cloud. And so like even going, I'm not going to, [00:58:33] most of that storage was in my iCloud drive, which is how it got full while I was overseas. [00:58:38] And when I came back, I, I didn't have like, I could, I could have gone through and like run [00:58:47] RM dash RF from the terminal and deleted stuff from the iCloud drive to like as a, as an emergency break, [00:58:52] like get, get this SSD empty enough that the operating system can run and then figure it out. [00:59:00] But then of course it would have synced all of those deletions up to the cloud and deleted the [00:59:03] same things off of my other computers. So this is a tractable problem. And I, I, I ultimately did solve [00:59:10] it, but I, I realize now why Apple markets so much of its pro devices to photos and video people, [00:59:20] because photos and videos take up a shit ton of space. Uh, they have different performance [00:59:26] characteristics than programming and, and the, their needs in many ways are higher than what you need. [00:59:33] If you're just writing Ruby code, right? Uh, it just so happens that Swift, the programming language [00:59:38] that they wrote is also like, we'll, we'll take advantage of all of these cores during compilation [00:59:42] in a way that like a lot of local development in other languages won't. [00:59:45] But in my last year of doing a lot more video work, doing a lot more audio work, I can definitely [00:59:52] understand now like, Oh yeah, like the, the MacBook air actually is inappropriate for a lot of the [00:59:57] workflows of the things that I do. So that experience, I came to Becky and I was like, look, I know I said [01:00:05] I didn't need this, but I think I might need this. Um, where need is in very, you know, very gentle [01:00:12] text. It's, it's a thin font variant to say, I need this. What I mean to say is like, I, it would save [01:00:19] me a lot of time and stress and headache and, uh, uh, rework to have a better computer, a more [01:00:26] capacious computer. And of course you can't upgrade the storage and your existing max. So here we are. [01:00:32] Um, but anyway, I was in the configurator for the new MacBook pro. And the first decision you got to [01:00:36] make is do I want a regular M4 chip, which I did not, or one of the pro ones, which is a, you know, [01:00:43] 12 or 14 core. I want to say a chip, uh, which is a huge upgrade over the M3 pro the M3 pro had a way [01:00:53] more efficiency cores and the M4 pro has more performance score. So it's like a, it's doing [01:00:57] much better in synthetic benchmarking that that's impressive. It's a big year over year change or the [01:01:02] M4 max, which is, you know, uh, an incremental improvement over the M3 max, but to the extent [01:01:10] that it's better than the pro it's like, you know, got another meat and quote unquote media [01:01:14] e
Do you constantly feel tired, experience muscle spasms, and notice your eyes twitching? If so, there's a chance that your body is suffering from a magnesium deficiency. A magnesium deficiency can cause serious illness because too many processes in the body depend on it. That's why you should stay alert and be able to spot a deficiency in time. So, what are some other symptoms of this condition and what can you do to feel better? Bright Side compiled a checklist of magnesium deficiency symptoms. To avoid magnesium deficiency in the future, decrease your consumption of alcohol, gluten, processed foods, and refined sugar. But before you proceed with any of this self-medication, make sure to consult your doctor first, get their permission, and follow their professional advice. TIMESTAMPS: Sugar cravings 0:45 Muscle soreness and cramping 1:19 Insomnia 1:56 Bone problems 2:37 Acid reflux 3:10 Stress and apathy 3:39 Constipation 4:26 Fatigue 4:55 Severe headaches 5:36 High blood pressure 6:14 Magnesium-rich foods 7:28 #magnesiumdeficiency #magnesiumrichfoods #magnesiumrichdiet Music by Epidemic Sound https://www.epidemicsound.com/ SUMMARY: A burning desire to eat something sweet shows a lack of important nutrients, including chromium and magnesium. If you notice that you've started to experience muscle soreness and cramps regularly (and you haven't been hitting the gym harder or anything), it could be your low magnesium levels to blame. If you lack magnesium, it's not surprising at all if you develop insomnia and sleep troubles. Plus, a magnesium deficiency is closely connected to muscle cramps, right? This combo can cause restless leg syndrome. Low magnesium levels increase the risk of developing bone problems, especially fractures. And that's because a low amount of magnesium reduces the level of calcium in your blood as well, making your bones a lot weaker. Magnesium prevents the release of food and stomach acid into the esophagus. So if your system lacks it, this process reverses, allowing acid to enter the esophagus. Insufficient magnesium basically equals anxiety and constant stress. And this is exactly why your depression may have nothing to do with your emotional side, it could be purely physical! The reasons why you may have constipation can vary from stress to a serious under-consumption of fiber. And, of course, magnesium can be a cause of it too! Persistent fatigue is a red flag you should always pay attention to. And here's where magnesium could be the culprit. If you lack vitamins A, B, C, and D, it can lead to frequent headaches that usually affect only one side of your head, depending on the vitamin you're lacking. One study that was conducted by French researchers showed that magnesium deficiency increases blood pressure. Including more of magnesium-rich foods in your diet will help your system recover in just a few weeks. Subscribe to Bright Side : https://goo.gl/rQTJZz ---------------------------------------------------------------------------------------- Our Social Media: Facebook: / brightside Instagram: / brightgram 5-Minute Crafts Youtube: https://www.goo.gl/8JVmuC ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Insufficient Child by Abel by 826 Valencia
Send Everyday AI and Jordan a text messageEverywhere you turn.... AI agents. These past few months more than ever, the biggest companies and hottest startups have seemingly gone bonkers for AI agents. Why? And, what the heck are they? We'll give you the 101 on all things agents. Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan questions on AI agentsUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. AI Agents Explained2. Future of AI Agents3. Corporate Adoption4. Economic Impact5. Ethical ConcernsTimestamps:02:30 What are AI agents?06:30 AI agents have become mainstream in companies.11:37 Human-AI collaboration saves billions for companies.15:26 Microsoft's contextual memory aids business interactions greatly.18:16 Salesforce uses autonomous agents, deep CRM integration.23:14 Develop AI for complex language tasks understanding.25:03 Defining an AI agent and core functions.29:02 AI agents surpass large language models due tool access.32:35 Recent AI advancements by Meta, Google, OpenAI, Microsoft, Salesforce36:53 Chatbots now effective using natural language processing.39:27 AI agents manage tasks using natural language triggers.44:02 Challenges, opportunities in agent interfaces and tools.45:28 Insufficient guardrails can make autonomous AI unsafe.51:29 Future work demands creativity; AI integration inevitable.Keywords:Natural Language Processing, AI in Customer Service, AI Tools, Microsoft Copilot Studio, Zapier, AI in Sales and Marketing, Coding with AI, Replit agents, Cursor AI, Devon from Cognition, Future of AI Agents, Salesforce, Benefits of AI Agents, Challenges of AI Agents, Bias in AI, Ethical Concerns in AI, AI Agents Discussion, Corporate Adoption of AI, AI Accessibility, Economic Impact of AI, Productivity and Efficiency in AI, AI News, AI in Workforce, AI in stock market, Future Trends in AI, Business strategies for AI, Workplace fairness, AI in everyday work, Agentic models of OpenAI, Ethical Decisions in AI.
You know you have a problem if your video game trailer has to link a blog post to explain what you just watched. 0:00 - Adventures in shopping 31:59 - Adventures in editing 41:43 - Adventures in marketing If you missed Saturday's live broadcast of Molehill Mountain, you can watch the video replay on YouTube. Alternatively, you can catch audio versions of the show on iTunes. Molehill Mountain streams live at 7p PST every Saturday night! Credits: Molehill Mountain is hosted by Andrew Eisen. Music in the show includes “Albino” by Brian Boyko. It is in the public domain and free to use. Molehill Mountain logo by Scott Hepting. Chat Transcript: 6:59 PMaddictedtochaosI know you are basically a Nintendo and PlayStation gamer, and haven't had an Xbox, but are there any Xbox games (Halo, Gears, Fable, etc.) that you have wanted to try? 6:59 PMeathdemonfinished metaphor, its my goty 7:00 PMeathdemonalso mh wilds beta next weekend 7:00 PMeathdemonplay them on pc 7:01 PMeathdemonjust slide it in for a segment 7:02 PMSheekagoGood evening 7:11 PMSheekagoYou should do it in pajamas so it really takes you back to when you were kids 7:12 PMSheekagowtf? I haven't had coke in ages, but that's weird. Maybe a 6 pack of bottle coke? 7:13 PMSheekagoSugar high 7:13 PMSheekagoWhat about Tang? 7:15 PMJared Kniselyhave to ask but missed the first part did you see the live action yakuza teaser vid on the tube 7:15 PMJared Kniselydid you check dg 7:16 PMJared Kniselyits karoke 7:16 PMJared Kniselydgs always have soda 7:22 PMSheekagomake turkey chili 7:23 PMaddictedtochaosFreeze the ground turkey 7:25 PMaddictedtochaosThose are still made in rolls. 7:26 PMJared Kniselyneed to go to a drug store or gas station for the rolls if they still exist in the large public 7:26 PMJared Knisely[message retracted] 7:27 PMJared Kniselywrong when XD 7:28 PMJared Kniselyyes they are ... my gran also aways as them and they are wrapped 7:30 PMJared Kniselyare incentives of the steam the candy/junk 7:38 PMSheekagoAre you going to be in costume while watching Eurovision? 7:53 PMaddictedtochaosBlack Myth Wukong 7:57 PMaddictedtochaosMouse PI for Hire looks great. 8:04 PMSheekagohave a good night 8:05 PMName
You know you have a problem if your video game trailer has to link a blog post to explain what you just watched. 0:00 – Adventures in shopping 31:59 – Adventures in editing 41:43 – Adventures in marketing If you missed Saturday's live broadcast of Molehill Mountain, you can watch the video replay on YouTube. Alternatively, ...Continue reading ‘Molehill Mountain Episode 386 – An Insufficient Amount of Coke’ »
Pastor Luke Simmons & Pastor Seth Troutt continue their insightful series on the Book of Job, delivering a unique co-taught message. In the second sermon of the series, they delve into the dialogue between Job and his friends, revealing the complexities of suffering and friendship.The pastors discuss:The initial setup and their personal connection to JobJob's three rounds of dialogue with his friends: Eliphaz, Bildad, and Zophar, and the arguments they presentJob's responses demonstrating his unwavering integrity and desire for God's presenceThe need for honest processing of pain combined with the fear of the LordThe introduction of the mysterious character Elihu and the anticipation of a true mediatorHow this prefigures the ultimate comfort and friendship found in Jesus ChristJoin them to discover how Job's story helps lay a foundation of wisdom and faithfulness for when suffering arises. Don't miss the concluding connection to communion and the solace offered by Jesus, the ultimate friend.00:00 - Introduction06:13 - Job's Three Friends18:22 - Anchor 1: I haven't gone astray20:17 - Anchor 2: I want God but he's distant22:28 - Anchor 3: God did this26:20 - Anchor 4: Fearing God is wisdom29:51 - Job's Mediator?34:57 - Jesus is a True Friend**HOW TO FIND US*** SUBSCRIBE TO OUR YouTube CHANNEL: https://www.youtube.com/@IronwoodChurchAZFACEBOOK https://www.facebook.com/ironwoodchurchaz/ INSTAGRAM https://www.instagram.com/ironwood.church/WEBSITE https://www.ironwoodchurch.org/
Ridiculous for Daryl and Alana to be recording about one specific thing that Milo loved, Sometimes the little stories are emblematic of bigger things, 101st episode, Jared Fontaine guest on episode 100, Lisa Cohen has co-hosted about 90 episodes, Latest group of Milo Fellows at Brooklyn Tech High School, Run in Milo's honor Sunday November 10th at 9 a.m. sharp, Milo's 21st birthday November 7, Explaining Milo's Fund, Link to donate in the Linktree on the instagram page @milotimepodcast, Challenges going to Brooklyn Tech, January event at Brooklyn Tech with our families and Milo's classmates, friends, and teachers, Fund is heartbreaking and amazing at the same time, Growing number of Milo Fellows is evidence of Milo's world expanding; also heartbreaking and beautiful, Run in Prospect Park November 10; meet at Milo's tree in Prospect Park at 9 a.m. sharp, Meet Milo's grandparents, aunts, uncles, cousins, etc., Harkening back to Jared Fontaine episode, Never so distant a relationship that we would not welcome contact, It's never the wrong time to reach out to someone who is struggling or grieving, New communities we've joined, Reconnecting with old friends even though we are different, TED Talk by Kelly Corrigan on the linktree @milotimepodcast, Article by Jancee Dunn on the linktree @milotimepodcast, The three Hs, What is a sweater? What is a sweatshirt?, What is a fleece?, What is a hoodie?, Milo and Max with different ideas about what constitutes a sweater, Earl Sweatshirt, Russell Sweatshirt, Russell Sweats section at Modell's, Milo putting on a "sweater" and giving side-eye to Alana, Milo's birthday coming at us like a train and we can't avoid it, Difficult days, Insufficient to talk about Milo on the podcast but it's what we can do, Thank you for joining us and staying with is, Listen to the Sweet Lefty lyrics
On Monday, September 17, the INSA Foundation in partnership with ClearanceJobs and GDIT, hosted the second installment of the "Future of the IC Workforce: Technology and Talent Transformation" series. Speakers included Kimberly King, Career Service Manager for Analysis, DIA, The Hon. John Sherman, Dean, The Bush School of Government and Public Service, Texas A&M University, and moderator Lindy Kyzer, Director of Content and PR, ClearnaceJobs. The program opened with speakers discussing the unique values that national security careers offer. Ms. King stated that there is merit in safeguarding the nation by being a part of something bigger than yourself. Joining the workforce there is an opportunity for “combination of mission and chance to drive your own career,” said Ms. King. Dean Sherman reflected on his career pivots and being at the forefront of technological advancement over the years. He noted that “being a trailblazer” in a discipline is distinctive from other career paths.The conversation shifted to the private sector's competitive strategy to retain and attract new talent. Ms. King highlighted DIA is building their talent pipeline through IC Centers for Academic Excellence. This initiative leverages DIA's connection with students across the country to onboard internships. The pay gap between the private sector and government presents a complex challenge for recruiting stem talent. Ms. King revealed the agency's new pay model is a proactive recruiting strategy that is attracting stem students to the DIA. Mr. Sherman responded, that students at the Bush School of Government and Public Service Texas A&M are attracted to the national security mission. To transform mission-focused students to employees; the Bush School of Government and Public Service hosts professors of the practice that extend “tangible real-world example” of careers in the workforce.Upskilling and training are focus areas of the DIA to ensure that employees are digitally- literature on emerging technologies. Kim noted that across-agency there are formal and informal training for employees. Continuing learning opportunities at DIA consist of technical training at universities, senior service schools, and speaker visits. Mr. Sherman urged that academia prepare the future workforce by enforcing effective and concise communication amongst students. “Getting them in a mindset that they're writing decision-makers,” said Mr. Sherman. The ability to write clearly and brief a policy is a critical skill the workforce values.The speakers agreed that to reach the future workforce there is a need for a flexible workspace. Improving retention and attraction strategies relies on the workforce to effectively track talent. Insufficient communication with applicants is resulting in the workforce losing skilled candidates during the process. Hosted on Acast. See acast.com/privacy for more information.
Nobody said real estate investing was easy... in fact, we've always said that it's no walk in the park.We always warn new operators of the perils of real estate investing. The risks are high... but the rewards are oh-so-sweet.When you invest in real estate you can break the bank and win big, but all too often the bank breaks you and you end up broke. In this week's episode, Dan and Anthony list off the top 6 ways that real estate investors go broke. And it's easier than you might think!How long can you afford to bleed money? What's the bare minimum of cash flow that you can afford in property? How well do you assess risks? Find out on this week's episode of Multifamily Investing Made Simple.Tweetable Quotes:"Insufficient cash flow I think is probably one of the top reasons a real estate investor is likely to go broke." – Anthony Vicino"I hate losing money. and sleep. I like money and sleep and I don't wanna lose either." – Dan Krueger LEAVE A REVIEW if you liked this episode!! Keep up with the podcast! Follow us on Apple, Stitcher, Google, and other podcast streaming platforms. To learn more, visit us at https://invictusmultifamily.com/. **Want to learn more about investing with us?** We'd love to learn more about you and your investment goals. Please fill out this form and let's schedule a call: https://invictusmultifamily.com/contact/ **Let's Connect On Social Media!** LinkedIn: https://www.linkedin.com/company/11681388/admin/ Facebook: https://www.facebook.com/InvictusMultifamily YouTube: https://bit.ly/2Lc0ctX
In the complex web of human relationships, the question often arises: *Is love alone enough?* This query, although seemingly simple, dives into the heart of our deepest longings and vulnerabilities. The notion that love is the ultimate solution in relationships may appear as a comforting ideal, yet, as we explore deeper, it becomes apparent that love, in its most genuine form, demands far more than mere sentimentality. As the questions posed in this discourse suggest, true love is multifaceted and calls for a profound understanding of self, others, and the world around us.
Send Everyday AI and Jordan a text messageEverywhere you turn.... AI agents. This past week more than ever, the biggest companies and hottest startups have seemingly gone bonkers for AI agents. Why? And, what the heck are they? We'll give you the 101 on all things agents. Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan questions on AI agentsUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. AI Agents Explained2. Future of AI Agents3. Corporate Adoption4. Economic Impact5. Ethical ConcernsTimestamps:02:30 Daily AI news06:30 What are AI agents?10:03 AI agents have become mainstream in companies.11:37 Human-AI collaboration saves billions for companies.15:26 Microsoft's contextual memory aids business interactions greatly.18:16 Salesforce uses autonomous agents, deep CRM integration.23:14 Develop AI for complex language tasks understanding.25:03 Defining an AI agent and core functions.29:02 AI agents surpass large language models due tool access.32:35 Recent AI advancements by Meta, Google, OpenAI, Microsoft, Salesforce36:53 Chatbots now effective using natural language processing.39:27 AI agents manage tasks using natural language triggers.44:02 Challenges, opportunities in agent interfaces and tools.45:28 Insufficient guardrails can make autonomous AI unsafe.51:29 Microsoft Copilot Studio excels over Zapier Central.54:18 Future work demands creativity; AI integration inevitable.Keywords:Natural Language Processing, AI in Customer Service, AI Tools, Microsoft Copilot Studio, Zapier, AI in Sales and Marketing, Coding with AI, Replit agents, Cursor AI, Devon from Cognition, Future of AI Agents, Salesforce, Benefits of AI Agents, Challenges of AI Agents, Bias in AI, Ethical Concerns in AI, AI Agents Discussion, Corporate Adoption of AI, AI Accessibility, Economic Impact of AI, Productivity and Efficiency in AI, AI News, AI in Workforce, AI in stock market, Future Trends in AI, Business strategies for AI, Workplace fairness, AI in everyday work, Agentic models of OpenAI, Ethical Decisions in AI. Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/ Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/
In part two of our four-part series on caring for Ukrainians, we explore the intricate relationship between the Ukrainian community's history and their health beliefs, focusing on the American healthcare system's impact. Hosts Dr. Raj Sundar and guest Tamara discuss the challenges of translating preventive care practices like vaccination and mammograms to a community with deep-rooted self-reliance and government mistrust. We delve into the significance of culturally sensitive language, the effect of false information on healthcare decisions, and practical strategies for building trust and effective communication with Ukrainian patients. Through vivid examples and personal anecdotes, we emphasize the importance of understanding and integrating cultural nuances to provide better patient care. Overview: 01:21 Discussing historical context influencing Ukrainian health beliefs 01:57 Challenges in demographic categorization and socioeconomic status 03:32 Perceptions of the term "refugee" and its connotations 06:35 Ukrainian community's health beliefs and self-reliance 10:16 Vaccination hesitancy and preventive care challenges 15:01 Importance of in-language consultations and community health workers 17:44 Main health concerns within the Ukrainian community 20:00 Negative personal experience with culturally insensitive healthcare 21:36 Insufficient communication and understanding in medical encounters Resources: NASHI Immigrants Health Board Music: Temperance The Griffiths Next Step: Visit our website, Healthcare for Humans, and join our community to enjoy exclusive benefits at https://www.healthcareforhumans.org/support/ Earn Credits: Clinicians, enhance your learning by earning valuable continuing education credits while listening. Utilize your CME funds to join our community. Support Our Mission: Non-clinicians, explore exclusive content and contribute to our collective journey. Be an Active Participant: Go beyond listening. Shape our narrative by co-creating episodes with us. Be part of our community by visiting https://www.healthcareforhumans.org/support/. Follow us on Instagram @healthcareforhumanspodcast
On this Moats, George Galloway gives his take as Labour cuts the throats of pensioners in the UK as half the cost of freezing pensioners, £600m, handed to kleptomaniac Zelensky. In the US Trump loses his zing and looks bemused as Kamala soars, ish. And the Dutch auction over who loves Israel most in genocide face off.Insufficient inquiry. A British family demands an inquest on 9/11 death reopened. Do we really believe the official version? The evidence and public opinion say no. Ted Walter shares his knowledge and experience as more evidence comes to light.Sarah Wilkinson: Activist and Campaigner for Palestine since the First Intifada & Reporter for MENAUncensored joins Moats to talk about her recent arrest for tweets she made about Gaza.Trump falls like a stone, Kamala soars like a seagull, look out below. Caleb Maupin joins Moats to give his verdict on who came out on top from the debates.Ted Walter: Advocate for 9/11 justice, ED for the International Centre for 9/11 justice & Director of Peace, War and 9/11. - Twitter: https://x.com/tedfwalter?s=21&t=v2l-RSSyYJNWQeO1efpMegSarah Wilkinson: Activist and Campaigner for Palestine since the First Intifada & Reporter for MENAUncensored. - Twitter: https://x.com/swilkinsonbc?s=21&t=v2l-RSSyYJNWQeO1efpMeg- Instagram: https://www.instagram.com/swilkinsonbc2021?igsh=czd3a3lzNTVwZDN1- Facebook: https://www.facebook.com/sarah.wilkinson.35977Caleb Maupin: American Journalist and Political Analyst:- YouTube: https://www.youtube.com/channel/UCA0N4UVTnqiFB7D3oS_xdWg Become a MOATS Graduate at https://plus.acast.com/s/moatswithgorgegalloway. Hosted on Acast. See acast.com/privacy for more information.
Grandpa Bill's Grunts & Groans@billholt8792 言行不一 (yánxíng bùyī): "Words and actions are not the same." Grandpa Bill Asks: What are Your Words? What are Your Actions? Leave Your Comments At The pods BH Sales Kennel Kelp Holistic Healing Hour and Here too! Factors Contributing to the Gap: 价值观不一致 (jiàzhíguān bùyīzhì): "Values are not consistent." 害怕后果 (hàipà hòuguǒ): "Afraid of consequences." 资源不足 (zīyuán bùzú): "Insufficient resources." 沟通不畅 (gōutōng bùchàng): "Communication is not smooth." 惰性 (duòxìng): "Inertia." 政治: 政治家可能在竞选期间承诺某些政策,但在上任后却无法兑现。 (Zhèngzhìjiā kěnéng zài jìngxuǎn qíjiān chéngnuò mǒuxiē zhèngcè, dàn zài shàngrèn hòu què wúfǎ duìxiàn.) 商业: 公司可能声称优先考虑可持续性,但仍继续从事对环境有害的活动。 (Gōngsī kěnéng shēngchēng yōuxiān kǎolǜ kěsùxìng, dàn réng jìxù cāngs shì duì huánjìng yǒuhài de huódòng.) 人际关系: 个人可能表达爱或承诺,但未能以表明这些感情的方式行事。 (Gèrén kěnéng biǎodá ài huò chéngnuò, dàn wèinéng yǐ biǎomíng zhèxiē gǎnqíng de fāngshì xíngshì.) Bridging the Gap: 言行一致 (yánxíng yīzhì): "Words and actions are consistent." 考虑后果 (kǎolǜ hòuguǒ): "Consider the consequences." 寻求资源 (xúnqiú zīyuán): "Seek resources." 有效沟通 (yǒuxiào gōutōng): "Effective communication." 克服惰性 (kèfú duòxìng): "Overcome inertia." Note: This translation provides a basic framework. https://youtu.be/-33j6tM2nho
More than 140 groups, including immigrant and civil rights organizations, are raising concerns about the Department of Homeland Security's use of artificial intelligence, arguing in a letter sent to Secretary Alejandro Mayorkas on Wednesday that the agency is violating federal rules on the technology. The letter calls on DHS and many of its components to suspend several AI use cases, including systems deployed by Customs and Border Protection and Immigration and Customs Enforcement. Meanwhile, the Department of Veterans Affairs' Digital GI Bill platform that was set to be fully operational by April 2024 is now “severely” delayed and will cost double the original amount, according to the department's Office of Inspector General. Insufficient planning on the part of the Veterans Benefits Administration is to blame for delays and $479 million in additional costs for the Digital GI Bill Platform, which aims to modernize access to relevant services while reducing costs and setbacks from legacy systems.
Insufficient sleep is a leading cause of work errors, car accidents, and medical appointments. This week, chiropractor Dr. Tyler Schwanz and family physician Dr. Justin Brown offer their tips for living healthier and longer lives.
Episode Summary: In this episode of "Money Grows On Trees: The Podcast," host Lloyd Ross delves into the intriguing world of home equity and how you can potentially leverage it to grow your wealth. With real-life examples and practical insights, Lloyd dispels common misconceptions and outlines crucial steps to consider before making any financial moves involving home equity. Whether you're a homeowner wondering about the current value of your property or an investor seeking smart strategies, this episode offers valuable lessons to sharpen your financial acumen. Don't miss out on learning how to make informed decisions with your home's value! Listen now for expert guidance on navigating the complexities of home equity. Timestamps and Key Sections: 05:56 Insufficient cash flow leads to financial crisis. 06:50 Caution when investing in property is advised. 10:03 Understand details, finances, then leverage sensibly. Who is The Millionaire Money Mentor, Lloyd Ross: Lloyd James Ross serves as the Founder and Director of Money Buys Happiness LLC, a prominent company specializing in financial education, coaching, and engaging events. With a remarkable track record of entrepreneurial success spanning various industries, Lloyd has attained the highest echelons in both network marketing and digital marketing. He is celebrated as a 2-Comma Club Award Winner by Clickfunnels.com and holds the distinguished title of Legacy Club Millionaire with Isagenix LLC. Moreover, he's the esteemed host of the critically acclaimed podcast, “Money Grows On Trees,” which boasts over one hundred 5-star reviews, and aims to achieve one million downloads by the end of 2024. Lloyd is a seasoned international platform speaker, captivating audiences of 7,000+ worldwide with his inspiring keynote presentations. Beyond his professional endeavors, Lloyd is a devoted husband to his beloved wife, Alisha, and proud father of a charming sausage dog named Elvis. During his leisure moments, he immerses himself in writing books, globetrotting, and skillfully managing a personal multi-million-dollar share portfolio. For more insights into Lloyd's world, explore his latest book at
Dr Cynthia Geppert joins Ethics Talk to discuss her article: “How Should MLP Clinicians and Attorneys Help Veterans Secure Disability Benefits When Health Records Documentation Is Insufficient?” Recorded April 18, 2024. Read the full article for free at JournalOfEthics.org
Email Us:dbahnsen@thebahnsengroup.comwill@calpolicycenter.orgFollow Us:@DavidBahnsen@WillSwaim@TheRadioFreeCAShow Notes:Bahnsen rings the bell at NYSE!How Denis Kearney nearly killed the Democratic Party in CaliforniaCalifornia lawmaker blasts newly GOP Sen. Marie Alvarado-Gil as a ‘fake Republican'SpaceX moving Dragon recovery to California watersCalifornia's businesses stop hiringLA County officials respond to Newsom's warning about not clearing homeless encampmentsBreed orders S.F. homeless people be offered bus tickets out of town before shelter or housingHoping to cut San Francisco rents, supervisors approve software-pricing banWhat the death of local news actually means‘Insufficient evidence': DA drops cases of 27 pro-Palestine protesters arrested at Cal Poly HumboldtCal Poly Humboldt University Senate: Sense of the Senate Resolution on dropping the charges against student and faculty protestersCalifornia fast-food workers want another minimum wage increase
You can listen to Andrea's birth stories in episode 312 and today, she shares her incredibly informed story about breastfeeding hypoplasia, also known as Insufficient Glandular Tissue (IGT). As she says, it's a story about what happens when breastfeeding doesn't happen. Her journey highlights the polarity between breastfeeding and formula feeding, the judgement when you choose not to breastfeed (or can't breastfeed) and the lack of lactation and social support for all mothers in postpartum and how this informs and influences feeding choices. Her experience also reflects the data: there is a strong link between inability to breastfeed and perinatal anxiety and depression. Andrea is also the editor of our postpartum book and has been a vital part of ensuring we talk about infant feeding objectively and with awareness of all experiences. -------- Today's episode is brought to you by Kiwi.co. I must confess I'm not much of a crafty mum but Kiwi Co's panda crate has been the best educational investment for Ottie. KiwiCo Panda Crate is a bimonthly subscription for babies ages 0-24 months. We receive a subscription box filled with playful, open-ended activities backed by research and designed especially for naturally curious and creative babies and toddlers. KiwiCo Panda Crate products are not only safe and of high quality, but also age-appropriate and supportive of your baby's growth. I'm a big fan of quality activities that create the opportunity for play-based learning and Kiwi Co delivers hands-on projects that get the whole family involved. Whether you have a brand-new baby or a trailblazing toddler, the Panda Crate is perfect for your little one's developing brain. Unlock brain-building play with KiwiCo Panda Crate! Get 20% off your first crate with code BIRTHSTORIES at kiwico.com/pandaSee omnystudio.com/listener for privacy information.
Send Everyday AI and Jordan a text messageIs there so much misinformation about AI that it's slowing the advancements in.... AI? How can we set the record straight on Artificial Intelligence, push fear-mongering aside, and ethically put it to use? David Moschella joins us to discuss and find out.Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan and David questions on AIRelated Episodes: Ep 238: WWT's Jim Kavanaugh Gives GenAI Blueprint for BusinessesEp 197: 5 Simple Steps to Start Using GenAI at Your Business TodayUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. Big Tech and AI misconceptions2. AI products developments3. America's leadership in AI4. Job predictions and future of work5. Significance of AI in daily lifeTimestamps:01:15 Daily AI news04:20 About David and the Information Technology and Innovation Foundation10:37 Technology doesn't eliminate jobs; AI won't either.14:49 Insufficient information provided for summarization.15:46 Comparison: Industrial vs. information revolution, vital needs.18:59 Reliance on internet for work and backups.23:35 AI impact on misinformation: Awareness, readiness, balance.25:39 AI acceptance accelerates, reaching critical mass quickly.31:06 Text critics miss key points about AI, technology.Keywords:AI news, Elon Musk, AI supercomputer, Memphis, Ashton Kutcher, OpenAI's SoRA, NVIDIA, Apple, market value, AI industry, misconceptions about AI, AI critics, societal challenges, AI benefits, AI development, generative AI, AI and jobs, AI and society, surveillance state, technological innovation, Everyday AI, free course, Chat GPT, PPP course, podpp.com, job predictions, job elimination due to AI, AI in physical tasks, road repair, automation, robotics, declining populations, generative AI, dependence on AI, AI deepfakes, misinformation, legal implications of AI. Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/
‘The Full Go' returns as Jason starts the podcast by giving his thoughts on the Olympics. He talks about why Jayson Tatum didn't play on Sunday, why these Olympics are LeBron's championship run, and Kevin Durant's career. He also discusses Noah Lyles and how Bears safety Jonathan Owens got to travel to Paris during training camp. Next, Jason recaps the Cubs' trade of Christopher Morel for Isaac Paredes and talks about what it means for the club's future moves. To wrap, it's football time! The Bears have their first preseason game this week, and Jason talks about how he'll consume Caleb Williams content this season and his lingering questions for the team. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Jason Goff Producers: Tony Gill, Chris Sutton, and Kyle Williams Learn more about your ad choices. Visit podcastchoices.com/adchoices
Send Everyday AI and Jordan a text messageIs there so much misinformation about AI that it's slowing the advancements in.... AI? How can we set the record straight on Artificial Intelligence, push fear-mongering aside, and ethically put it to use? David Moschella joins us to discuss and find out.Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Jordan and David questions on AIRelated Episodes: Ep 238: WWT's Jim Kavanaugh Gives GenAI Blueprint for BusinessesEp 197: 5 Simple Steps to Start Using GenAI at Your Business TodayUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:1. Big Tech and AI misconceptions2. AI products developments3. America's leadership in AI4. Job predictions and future of work5. Significance of AI in daily lifeTimestamps:01:15 Daily AI news04:20 About David and the Information Technology and Innovation Foundation10:37 Technology doesn't eliminate jobs; AI won't either.14:49 Insufficient information provided for summarization.15:46 Comparison: Industrial vs. information revolution, vital needs.18:59 Reliance on internet for work and backups.23:35 AI impact on misinformation: Awareness, readiness, balance.25:39 AI acceptance accelerates, reaching critical mass quickly.31:06 Text critics miss key points about AI, technology.Keywords: AI news, Elon Musk, AI supercomputer, Memphis, Ashton Kutcher, OpenAI's SoRA, NVIDIA, Apple, market value, AI industry, misconceptions about AI, AI critics, societal challenges, AI benefits, AI development, generative AI, AI and jobs, AI and society, surveillance state, technological innovation, Everyday AI, free course, Chat GPT, PPP course, podpp.com, job predictions, job elimination due to AI, AI in physical tasks, road repair, automation, robotics, declining populations, generative AI, dependence on AI, AI deepfakes, misinformation, legal implications of AI. Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/