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Revenue service of the United States federal government

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  • Oct 19, 2021LATEST
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Latest podcast episodes about irs

Anderson Business Advisors Podcast
How to Fill Out Tax Returns as a Real Estate Investor

Anderson Business Advisors Podcast

Play Episode Listen Later Oct 19, 2021 76:38


If you are a real estate investor, Toby Mathis and Carl Zoellner of Anderson Advisors talk about how to fill out your tax returns. Submit your tax question to taxtuesday@andersonadvisors. Highlights/Topics: Can you speak about conservation easements as a way to decrease taxes in the correct and legal way? Conservation easement is donated property for a specific purpose Can an LLC buy back member units from individual members? Technically, your LLC as a whole could buy back member units, but usually when looking at member units in an LLC, ownership's dictated as a percentage Is doing this when members are IRA accounts, a prohibited transaction? It depends What line numbers on tax returns are the most important when trying to qualify for funding as a self-employed sole member LLC as a real estate investor? Refer to schedules A, C, E, and K-1 on Form 1040 If I want to establish an Airbnb from my timeshare, how do I structure my entities? What is the best way to operate that to save tax? Depends on timeshare rules and then refer to IRS's Publication 925 For all questions/answers discussed, sign up to be a Platinum member to view the replay! Go to iTunes to leave a review of the Tax Tuesday podcast. Resources: State and Local Tax (SALT) https://taxfoundation.org/tax-basics/salt-deduction/ Wills and Trusts https://andersonadvisors.com/asset_protection_trusts/ Gene Guarino - Residential Assisted Living Academy https://residentialassistedlivingacademy.com/meet-gene/ Coffee with Carl https://andersonadvisors.com/category/shows/coffee-with-carl/ Toby Mathis http://tobymathis.com/about-toby-mathis/ Anderson Advisors https://andersonadvisors.com/ Anderson Advisors Events https://andersonadvisors.com/all-events/ Anderson Advisors on YouTube https://www.youtube.com/channel/UCX5nh607M8hSBLiMB9MgbIQ Anderson Advisors on Facebook https://www.facebook.com/AndersonBusinessAdvisors/ Anderson Advisors Podcast https://andersonadvisors.com/podcast/

Politics Done Right
Democrats held hostage by Dems. Right-Wing IRS lies dispelled. Buttigieg shines. RIP Colin Powell

Politics Done Right

Play Episode Listen Later Oct 19, 2021 54:30


Democrats are held hostage by their own. IRS lies are dispelled. Transportation Secretary Pete Buttigieg tells truth about the private sector and more. In his folksy manner, Secretary of Transportation Pete Buttigieg schooled Chuck Todd by putting supply chain discourse in the proper context. Pete Buttigieg did not allow Chuck Todd to go unanswered as he implied that the Biden administration had dropped the ball with supply chain problems. Buttigieg told the unfortunate truth. The private sector dropped the ball. Former Secretary of State, General Colin Powell, dies today of complications from COVID-19 even though fully vaccinated. That Colin Powell was fully vaccinated and still died from COVID complications should dissuade no one from taking the vaccine. Vaccination is about increasing your chances to fight off the disease. There will be a few breakthroughs, but in the aggregate, vaccination saves most of us. --- If you like what we do please do the following! Most Independent Media outlets continue to struggle to raise the funds they need to operate much like the smaller outlets like Politics Done Right SUBSCRIBE to our YouTube Channel here. LIKE our Facebook Page here. Share our blogs, podcasts, and videos. Get our books here. Become a YouTube PDR Posse Member here. Become a Politics Done Right Subscriber via Patreon here. Become a Politics Done Right Subscriber via Facebook here. Consider providing a contribution here. Please consider supporting our GoFundMe equipment fund here. --- Support this podcast: https://anchor.fm/politicsdoneright/support

Drew Berquist Live
Kamala Harris, Jen Psaki Break Law With Political Statements, Joe Biden Rages In Speech | Ep 272

Drew Berquist Live

Play Episode Listen Later Oct 18, 2021 36:22


Kamala Harris pre-recorded a video that supports Virginia gubernatorial candidate Terry McAuliffe and illegally aired in at least 300 churches throughout Virginia. The video breaks IRS law, but is expected to continue to be played at services up until the election in early November. Jen Psaki likewise appears to have broken the Hatch Act by supporting McAuliffe from the podium, she later apologized. Then Joe Biden slammed his fists and raged during a speech this weekend in yet another awkward scene and Dr. Fauci weighed in again on the holidays. Help Drew's former Afghan translator, Shafi, get the assistance he needs as he gets settled here in America. https://givesendgo.com/Shafi LIKE & SUBSCRIBE for new videos every day. **Donate directly to Drew and the show and be mentioned as a producer**: https://www.drewberquist.com/support/ Partner Links: Visit our friends at https://www.thinbluelinetv.com/ to get great news commentary and content on our nation's law enforcement community. Show Sponsors and Fan Discounts: My Pillow - Get the best night's sleep of your life and save! Use Promo Code DREW to save up to 66% off your purchase at https://MyPillow.com Mammoth Nation Become a member and save at https://mammothnation.com/ UFM Underwear Visit https://ufmunderwear.com/ and Use Promo Code DREW to receive $6 off! Red Beach Nation Whether you live at the beach, are traveling to one or just want to imagine yourself there…Red Beach's comfy patriotic apparel is sure to lift your spirits. Use promo code DREW and save 10% at https://RedBeachNation.com

Blunt Force Truth
Follow the Science

Blunt Force Truth

Play Episode Listen Later Oct 18, 2021 70:00


Today's show rundown: Chuck feels bad for people, all of us..."what can we do"? Everyone is becoming more and more aware of all the corruption going on around us, but people feel like...what can we do about it? You are being lied to on a regular basis, everywhere by multiple sources. People need to follow the rules of epistemology. How do you know what you know? You need to start peeling the layers back and question what you heard. Chuck never thought there would be a time in his life where he would be so anti-government. But when you force Americans to do something they don't want to do, they don't like it. What Mark wants to encourage people to do is not to tell people on the left that they are wrong, but to encourage them to think. Ask them questions that defy logic. Ask people about the 80,000 new IRS agents, really only dedicating themselves to 400 or so Ultra Rich families. Ask these people...does that make sense...that 80K people are hired to track just 1% of the population? Mark wants to cover the concept of "follow the science". If you don't follow it, you are a science denier according to the Left. Although there is no such thing as settled science, but the left says that if you don't follow their "settled science" you are a science denier. But the pursuit of truth...what science really is, is never settled. We were also told that our government would never mis-use science against us, however they are totally willing to use science to get their way. Let's talk about Nancy Pelosi, she is one of the most wealthy people in politics. She has a husband who is the greatest investor in the history of ALL money, he is amazing....how ever does he make all that money. Her net worth is somewhere around 300 Million dollars. On 200K a year salary. Paul Pelosi was offered a prescreened invite to get in on an early Visa IPO, where he bought between 1-1.5 Million in Visa Stock. Where is made about 200% on that deal. https://worldmission.cc/donate-humanitarianoutreach/ Give H2Max a try and let us know what you think: buyh2max.com Help us bring you the best content possible. Due to the left's boycotts of those who advertise with Conservatives, we have had a number of advertisers back-out to avoid possible backlash. Support the show and gain access to even more content at https://www.patreon.com/bftpodcast Don't forget to leave us a voicemail for the chance to have it played on a future episode. You can do so by clicking the link. https://bluntforcetruth.com/voicemail/ Also, check out the store on our website to get your own Blunt Force Truth gear. https://store.bluntforcetruth.com/

Current Federal Tax Developments
2021-10-18 Can Taxpayers Rely on IRS FAQs?

Current Federal Tax Developments

Play Episode Listen Later Oct 17, 2021


Congress continues to negotiate new tax bill, IRS notes the limits of FAQs and more.

Home Sweet Home Chicago with David Hochberg
Home Sweet Home Chicago (10/16/2021) – David Hochberg with Mr. Floor Igor Murokh, Tom Becker of Peerless Fence and IRS tax attorney Steven A. Leahy

Home Sweet Home Chicago with David Hochberg

Play Episode Listen Later Oct 16, 2021


We started off this week's show by chatting with Mr. Floor himself, Igor Murokh, about how hardwood floors are affected by the incoming cold weather. Next, IRS tax attorney Steven A. Leahy joined the show to talk about how small businesses can reduce their tax burden. Then, Tom Becker of Peerless Fence shares their newest promotion. […]

MoneyWise on Oneplace.com
Slaying the Paper Piles

MoneyWise on Oneplace.com

Play Episode Listen Later Oct 16, 2021 24:57


To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 Do you have piles of paper on your desk at home? Never sure which receipts, statements and documents to save and which to shred? You're not alone. Even the best household money managers struggle with paper clutter. But if you're ready to dig your way out and slay those piles of paper, we'll share a simple way to do it. Romans 13:7 says, Pay to all what is owed to them: taxes to whom taxes are owed, revenue to whom revenue is owed. It's pretty hard to do that if you don't have some kind of record keeping system in place and you're not sure what papers you need to keep and for how long. You can toss at least half of everything that ends up in your mailbox! However, you should never just toss unwanted mail directly into your recycling bin or trash can. It could contain unwanted credit offers that identity thieves could use to open accounts in your name. Get a shredder.You want one that makes cross-cuts. In one pass, it will cut paper into strips and then cross-chop those strips into tiny pieces. You can even take it a step further and get a micro-cut shredder. It does the same thing, but the cross-cuts are really, really small. Set up a 3-drawer system. This is based on how long you need to hang onto things. Anything that doesn't go in one of the three drawers goes straight into the shredder. In your first drawer go documents you need to keep permanently, things like your birth certificate, passport, car titles, property deeds, marriage certificates and your Social Security card. In drawer #2 go giving unto Caesar things. Keep anything you need to fill out your 1040 including supporting forms like W2s and 1099sdefinitely anything where the IRS was also mailed a copy. In the last drawer goes all the material you need to keep for just one yearthings like utility bills, bank statements, pay stubs, and bills. After that you can feed them into your shredder. On today's program we also answer some of your calls: Should we pay off our mortgage with our income or put the extra cash into retirement? As a giver to ministries, I've not been itemizing things on my tax returns. Is there any advantage for me to go with the required minimum distribution procedure? What steps do I need to take to get my bank to transfer my regular IRA into a Roth? And is that a good idea? Remember, you can call in to ask your questions 24/7 at (800) 525-7000 or email them toQuestions@MoneyWise.org. Also, visit our website atMoneyWise.orgwhere you can listen to past programs, connect with a MoneyWise Coach, and even download free, helpful resources like the free MoneyWise app. Like and Follow us on Facebook at MoneyWise Media for the very latest discussion! And remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab on our website or in our app.

Patrick Boyle On Finance
Biggest Trading Mistakes!

Patrick Boyle On Finance

Play Episode Listen Later Oct 16, 2021 11:55


A small London based crypto asset trading platform called DeversiFi got quite a shock two weeks ago when it mistakenly paid out a $24m fee to a large crypto miner. Transferring crypto deposits generates a fee, known in the industry as a “gas fee”, to compensate miners for the computing energy used to verify transactions on the blockchain. DeversiFi should have paid out around $5, but instead transferred 23.7 million dollars due to an error in their code.A few fat finger errors like this in the crypto space have made it into the press in recent months.  Compound another DeFi project accidentally handed tokens worth $90m to its users and its owner threatened to report the recipients to the IRS before later backing down. Alchemix - another DeFi protocol forgave 4.8 million dollars of borrowers' loans prematurely, essentially giving them free money. Once again, almost everyone returned the funds once the error was pointed out.Most modern trading software has built in controls to prevent huge fat finger mistakes from occurring.  This protects both traders and brokerages from the losses that can come from these mistakes.  In addition exchanges have rules in place to allow traders to request cancellation of fat finger errors. Most exchanges require you to request a cancellation within thirty minutes of the trades execution.So, for today's video let's look at some of the biggest fat finger mistakes in recent market history and see what lessons we can learn. Patrick's Books:Statistics For The Trading Floor:  https://amzn.to/3eerLA0Derivatives For The Trading Floor:  https://amzn.to/3cjsyPFCorporate Finance:  https://amzn.to/3fn3rvC Patreon Page: https://www.patreon.com/PatrickBoyleOnFinanceVisit our website: www.onfinance.orgFollow Patrick on Twitter Here: https://twitter.com/PatrickEBoylePatrick Boyle On Finance YouTube Channel Support the show (https://www.patreon.com/PatrickBoyleOnFinance)

Leland Live
10/15 Leland Live Hour 4: Dessert Talk, Car Prices, Possible IRS Bank Mandate, and More!

Leland Live

Play Episode Listen Later Oct 16, 2021 37:28


Leland talks about dessert, the search for the best banana pudding, car prices in the current economy, the possible IRS bank rules, and more! See omnystudio.com/listener for privacy information.

Craig Peterson's Tech Talk
How Many Times Per Week Are You Being Cyber Attacked? From Where? How? Why?

Craig Peterson's Tech Talk

Play Episode Listen Later Oct 15, 2021 84:46


How Many Times Per Week Are You Being Cyber Attacked? From Where? How? Why? We've got a new study out showing that North American organizations, businesses, and others, are being hit with an average of 497 cyber attacks per week, right here in the good old USA. [Following is an automated transcript] This is a study by checkpoint software technologies. Checkpoint, I used, oh my gosh. It would have been back in the nineties back then. They were one of the very first genuine firewall companies. And it was a system that I was putting in place for my friends over at troopers. I think it was New England telephone. It might've been Verizon by then. I can't even remember, man. [00:00:41] It's been a little while, but it was, a system we were using in front of this massive system that I designed, I made the largest internet property in the world. At that time called big yellow. It morphed into super pages. It might be familiar with. But it was me and my team that did everything. We built the data center out. [00:01:05] We wrote all of the software. Of course they provided all of the yellow pages type listing so we can put it all in. And we brought it up online and we were concerned. Well, first of all, You know, I've been doing cyber security now for over 30 years. And at this point in time, they wanted something a little more than my home grown firewall. [00:01:29] Cause I had designed and written one in order to protect this huge asset that was bringing in tens of millions of dollars a year to the phone company. So they said, Hey, listen, let's go ahead and we'll use checkpoint and get things going. We did, it was on a little, I remember it was a sun workstation. If you remember those back in the. [00:01:52] And it worked pretty well. I learned how to use it and played with it. And that was my first foray into kind of what the rest of the world had started doing, this checkpoint software, but they've continued on, they make some great firewalls and other intrusions type stuff, detection and blocking, you know, already that I am a big fan, at least on the bigger end. [00:02:17] You know, today in this day and age, I would absolutely use. The Cisco stuff and the higher end Cisco stuff that all ties together. It doesn't just have the fire power firewall, but it has everything in behind, because in this day and age, you've got to look at everything that's happening, even if you're a home user. [00:02:37] And this number really gets everybody concerned. Home users and business users is. Businesses are definitely under bigger attacks than home users are. And particularly when we're talking about businesses, particularly the bigger businesses, the ones that have a huge budget that are going to be able to go out and pay up, you know, a million, $10 million ransom. [00:03:05] Those are the ones that they're after and this analysis. Point software who does see some of those attacks coming in, showed some very disturbing changes. First of all, huge increases in the number of cyber attacks and the number of successful ransoms that have been going on. And we're going to talk a little bit later, too, about where some of those attacks are coming from, and the reason behind those attack. [00:03:36] According to them right now, the average number of weekly attacks on organizations globally. So far, this year is 40% higher than the average before March, 2020. And of course that's when the first lockdowns went into effect and people started working from home in the U S the. Increase in the number of attacks on an organizations is even higher at 53%. [00:04:07] Now you might ask yourself why, why would the U S be attacked more? I know you guys are the best and brightest, and I bet it, I don't even need to say this because you can figure this out yourself, but the us is where the money is. And so that's why they're doing it. And we had president Biden come out and say, Hey, don't attack the. [00:04:27] well, some of those sectors are under khaki for more after he said that then before, right. It's like giving a list to a bad guy. Yeah. I'm going to be gone for a month in June and yeah, there won't be anybody there. And the here's the code to my alarm. Right. You're you're just inviting disaster checkpoints. [00:04:49] Also showing that there were more. Average weekly attacks in September 21. That's this September than any time since January, 2020. In fact, they're saying 870 attacks per organization globally per week. The checkpoint counted in September was double the average in March, 2020. It's kind of funny, right? [00:05:14] It's kind of like a before COVID after COVID or before the Wu Han virus and after the Wu Han virus, however, we might want to know. So there are a lot of attacks going on. Volume is pretty high in a lot of different countries. You've heard me say before some of my clients I've seen attack multiple times a second, so let's take a second and define the attack because being scanned. [00:05:40] I kind of an attack, the looking to see, oh, where is there a device? Oh, okay. Here's a device. So there might be a home router. It might be your firewall or your router at the business. And then what it'll do is, okay, I've got an address now I know is responding, which by the way is a reason. The, we always configure these devices to not respond to these types of things. [00:06:04] And then what they'll do is they will try and identify it. So they'll try and go into the control page, which is why you should never have when. Configuration enabled on any of your routers or firewalls, because they're going to come in and identify you just on that because all of a sudden them brag about what version of the software you're running. [00:06:26] And then if it's responding to that, they will try and use a password. That is known to be the default for that device. So in a lot of these devices, the username is admin and the password is admin. So they try it and now off they go, they're running. Some of these guys will even go the next step and we'll replace the software. [00:06:52] In your router or firewall, they will replace it so that it now directs you through them, everything you are doing through them. So they can start to gather information. And that's why you want to make sure that the SSL slash TLS. That encryption is in place on the website. You're going to, so if you go to Craig peterson.com right now, my website, I'm going to go there myself. [00:07:22] So if you go to Craig peterson.com, you're going to notice that first of all, it's going to redirect you to my secure site and it doesn't really matter. You won't see it. Okay. But you are there because if he. Typically at the left side of that URL bar where it says, Craig peterson.com. You'll see, there's a little lock. [00:07:44] So if you click that lock, it says connection is secure. Now there's a lot more we could go into here. But the main idea is even if your data is being routed through China or. Both of which have happened before many tens of thousands, hundreds of thousands of time times. I'm not even sure of the number now. [00:08:06] It's huge. Even if your data is being routed through them, the odds are, they're not going to see anything. That you are doing on the Craig Peterson site. Now, of course you go into my site, you're going to be reading up on some of the cybersecurity stuff you can do. Right. The outages what's happened in the news. [00:08:27] You can do all of that sort of thing on my side, kind of, who cares, right? Um, but really what you care about is the bank, but it's the same thing with the bank. And I knew mine was going to be up there. And when everybody just check it out anyway, so. So the bad guys, then do this scan. They find a web page log in. [00:08:47] They try the default log in. If it works, the Le the least they will do is change. What are called your DNS settings. That's bad because changing your DNS settings now opens you up to another type of attack, which is they can go ahead. And when your browser says, I want to go to bank of america.com. It is in fact, going to go out to the internet, say is bank of America, the bad guys. [00:09:18] Did, and they will give you their bank of America site that looks like bank of America feels like bank of America. And all they're doing is waiting for you to type into your bank of America, username and password, and then they might redirect you to the. But at that point, they've got you. So there are some solutions to that one as well, and Firefox has some good solutions. [00:09:44] There are others out there and you had to have those that are in the works, but this is just an incredible number. So here's what I'm doing, right. I have been working for weeks on trying to figure out how can I help the most people. And obviously I needed to keep the lights on, right? I've got to pay for my food and gas and stuff, but what I'm planning on doing and what we've sketched out. [00:10:10] In fact, just this week, we got kind of our final sketch out of it is we're going to go ahead and have a success path for cyber security. All of the basic steps on that success path will be. Okay. So it will be training that is absolutely 100% free. And I'll do a deeper dive into some of these things that I'm doing that I'm doing right now here on the radio, because you can't see my desktop. [00:10:40] It's hard to do a deep dive and it's open to anybody, right? If you're a home user or if you're a business user, all of the stuff on that free. Is going to help you out dramatically. And then after that, then there'll be some paid stuff like a membership site. And then obviously done for you. If the cybersecurity stuff is just stuff that you don't want to deal with, you don't have the time to deal with. [00:11:05] You don't want to learn, because believe me, this is something that's taken me decades to learn and it's changing almost every day. So I understand if you don't want to learn it to. That is the other option. I'll give you, which is done for you, which we've been doing now for over 20, 30 years. Stick around. [00:11:25] We'll [00:11:25] So which sectors are economy are being hacked? I mentioned that in the last segment, but yeah, there are some problems and the sectors that president Biden lined out laid out are, are the ones that are under, even more attack after his message. [00:11:42] 497 cyber attacks per week. On average here in the US, that is a lot of attacks. And we started explaining what that meant so that we talked about the scan attacks that are automated and some person may get involved at some point, but the automated attacks can be pretty darn automated. Many of them are just trying to figure out who you are. [00:12:09] So, if it shows up, when they do that little scan that you're using a router that was provided by your ISP, that's a big hint that you are just a small guy of some sort, although I'm shocked at how many bigger businesses that should have their own router, a good router, right. A good Cisco router and a really good next generation firewall. [00:12:34] I'm shocked at how many don't have those things in place, but when they do this, That's the first cut. So if you're a little guy, they'll probably just try and reflash your router. In other words, reprogram it and change it so that they can start monitoring what you're doing and maybe grab some information from. [00:12:56] Pretty simple. If you are someone that looks like you're more of a target, so they connect to your router and let's say, it's a great one. Let's say it's a Cisco router firewall or Palo Alto, or one of those other big companies out there that have some really good products. Uh, at that point, they're going to look at it and say, oh, well, okay. [00:13:18] So this might be a good organization, but when they get. To it again, if when access has turned on wide area, access has turned down, that router is likely to say, this is the property of, uh, Covina hospital or whatever it might be, you know? And any access is disallowed authorized access only. Well, now they know. [00:13:42] Who it is. And it's easy enough just to do a reverse lookup on that address. Give me an address anywhere on the internet. And I can tell you pretty much where it is, whose it is and what it's being used for. So if that's what they do say they have these automated systems looking for this stuff it's found. [00:14:02] So now they'll try a few things. One of the first things they try nowadays is what's called an RDP attack. This is a remote attack. Are you using RDP to connect to your business? Right? A lot of people are, especially after the lockdown, this Microsoft. Desktop protocol has some serious bugs that have been known for years. [00:14:25] Surprisingly to me, some 60% of businesses have not applied those patches that have been available for going on two years. So what then button bad guys will do next. They say, oh, is there a remote desktop access? Cause there probably is most smaller businesses particularly use that the big businesses have a little bit more expensive, not really much more expensive, but much better stuff. [00:14:51] You know, like the Cisco AnyConnect or there's a few other good products out there. So they're going to say, oh, well, okay. Let's try and hack in again. Automate. It's automated. No one has to do anything. So it says, okay, let's see if they patch, let's try and break in a ha I can get in and I can get into this particular machine. [00:15:14] Now there's another way that they can get into their moat desktop. And this apparently has been used for some of the bigger hacks you've heard about recently. So the other way they get in is through credential stuff. What that is is Hey, uh, there are right now some 10 billion records out on the dark web of people's names, email addresses, passwords, and other information. [00:15:43] So, what they'll do is they'll say, oh, well this is Covina hospital and it looks it up backwards and it says, okay, so that's Covina hospital.org. I have no idea if there even is a Gavino hospital, by the way, and will come back and say, okay, great. So now let's look at our database of hacked accounts. Oh, okay. [00:16:04] I see this Covina hospital.org email address with a password. So at that point they just try and stuff. Can we get in using that username and password that we stole off of another website. So you see why it's so important to be using something like one password, a password generator, different passwords on every site, different usernames on every site, et cetera, et cetera. [00:16:29] Right. It gets pretty important per te darn quickly. So now that they're in, they're going to start going sideways and we call that east west in the biz. And so they're on a machine. They will see what they can find on that machine. This is where usually a person gets some. And it depends in historically it's been about six days on average that they spend looking around inside your network. [00:17:00] So they look around and they find, oh yeah, great. Here we go. Yep. Uh, we found this, we found that. Oh, and there's these file server mounts. Yeah. These SMB shares the, you know, the Y drive the G drive, whatever you might call it. So they start gaining through those and then they start looking for our other machines on the network that are compromised. [00:17:23] It gets to be really bad, very, very fast. And then they'll often leave behind some form of ransomware and also extortion, where that extort you additionally, for the threat of releasing your data. So there, there are many other ways they're not going to get into them all today, but that's what we're talking about. [00:17:43] Mirman, we're talking about the 500 cyber attacks per week against the average. North American company. So we have seen some industry sectors that are more heavily targeted than others. Education and research saw an 60% increase in attacks. So their education and I've tried to help out some of the schools, but because of the way the budgets work and the lowest bidder and everything else, they, they end up with equipment. [00:18:17] That's just totally misconfigured. It's just shocking to me. Right. They buy them from one of these big box online places. Yeah. I need a, a Cisco 10, 10. And I need some help in configuring it and all, yeah, no problems or we'll help you. And then they sell it to the school, the school installs it, and it is so misconfigured. [00:18:38] It provides zero protection, uh, almost zero, right. It provides almost no protection at all. And doesn't even use the advanced features that they paid for. Right. That's why, again, don't buy from these big box. Guys just don't do it. You need more value than they can possibly provide you with. So schools, 1500 attacks per week research companies, again, 1500 attacks per week, government and military. [00:19:10] Entities about 1100 weekly attacks. Okay. That's the next, most highest attacked. Okay. Uh, health care organizations, 752 attacks per week on average. Or in this case, it's a 55% increase from last year. So it isn't just checkpoints data that I've been quoting here. That, that gives us that picture. There are a lot of others out there IBM's has Verizon's has all of these main guys, and of course in the end, They've got these huge ransoms to deal with. [00:19:50] Hey, in New Hampshire, one of the small towns just got nailed. They had millions of dollars stolen, and that was just through an email trick that they played in. K again. I T people, um, I I've been thinking about maybe I should put together some sort of coaching for them and coaching for the cybersecurity people, even because there's so much more that you need to know, then you might know, anyways, if you're interested in any of this. [00:20:22] Visit me online. Craig peterson.com/subscribe. You will get my weekly newsletter, all of my show notes, and you'll find out about these various trainings and I keep holding. In fact, there's one in most of the newsletters. Craig peterson.com. Craig Peterson, S O n.com. Stick around. [00:20:43] We've been talking about the types of attacks that are coming against us. Most organizations here in north America are seeing 500 cyber attacks a week, some as many as 1500. Now, where are they coming from? [00:21:00] Whether they're scanning attacks, whether they're going deeper into our networks and into our systems who are the bad guys and what are they doing? Microsoft also has a report that they've been generating, looking at what they consider to be the source of the attacks. Now we know a lot of the reasons I'm going to talk about that too, but the source is an interesting way to look at. [00:21:29] Because the source can also help you understand the reason for the attacks. So according to dark reading, this is kind of an insider, a website you're welcome to go to, but it gets pretty darn deep sometimes, but they are showing this stats from Microsoft, which you can find online that in the last year rush. [00:21:53] Has been the source of 58% of the cyber cat tax. Isn't that amazing now it's not just the cyber attacks. I, I need to clarify this. It's the nation state cyber tech. So what's a nature's nation state cyber attack versus I don't know, a regular cyber attack. Well, the bottom line is a nation state cyber attack is an attack that's occurring and is actually coordinated and run by and on behalf of a nation state. [00:22:31] Uh, So Russia at 58% of all nation state attacks is followed by North Korea, 23% Iran, 11% China, 8%. Now you probably would have thought that China would be. Right up there on that list, but Russia has 50% more of the nation state cyber attacks coming from them than from China. And then after China is south Vietnam, Viet, or I should say South Korea, Vietnam, and Turkey, and they all have less than 1%. [00:23:14] Now, this is this new pool of data that Microsoft has been analyzing. And it's part of this year's Microsoft digital defense report, and they're highlighting the trends in the nation state threat cyber activity hybrid workforce security. Disinformation and your internet of things, operational technology and supply chain security. [00:23:35] In other words, the whole gambit before, before all of this, now the data is also showing that the Russian nation state attacks are increasingly effective, calming from about a 21% successful compromise rate last year to 32%. So basically 50% better this year at effectiveness there, Russians are also targeting more government agencies for intelligence gathering. [00:24:10] So that jumped from 3% of their victims last year to 53%. This. And the Russian nation state actors are primarily targeting guests who us, right? The United States, Ukraine and the United Kingdom. Now this is all according to the Microsoft data. So why has Russia been attacking us? Why is China been attacking us and why the change this. [00:24:38] Well, Russia has been attacking us primarily to rent some us it's a cash cow for them just like oil and gas. They are making crazy money. Now that president Biden has made us dependent on foreign oil supplies. It's just insanity and even dependent on. Gas coming from other places. Well guess where the number one source of gases now for Europe and oil it's Russia. [00:25:08] So we are no longer going to be selling to Europe. Russia is so they're going to be making a lot of money off of. But before then they were actually counted on ransomware to help fund the Russian federal government, as well as of course, these Russian oligarchs, these people who are incredibly rich that have a substantial influence on the government. [00:25:33] Don't if you're wondering who they might be, just think of people like, oh, I don't know. Bill gates and, uh, w who are on the, some of the other big guys, you know, Tim cook, uh, Amazon's Jeff bayzos Elon Musk, right? Those are by my definition and looking it up in the dictionary, they are all a. They get exemptions to laws. [00:25:58] They get laws passed that, protect them. In fact, most of regulations actually protect these big companies and hurt small companies. So I would call them oligarchs and that's the same sort of thing in Russia in Russia. Okay. They probably have a little bit more underhanded stuff than these guys here do, but that's what Russia has been. [00:26:21] China has been continually going after our national secrets, national defense, the largest database of DNA of Americans DNA, of course, is that unique key. If you will building block for all of us, that's what DNA is. And the largest database of all of that uniquely identifying information is in. China stole from the office of personnel management records of a federal employees, their secret clearance, all of their background check information who was spoken with, what did they have to say? [00:27:03] And on and on. So China has been interested in infiltrating our businesses that provide things to the military and the military themselves and the federal state, and even the local governments that's who they've been targeting. And that's why there's 8% number might seem small. Although, as I just mentioned this year, Russia moved, moved dramatically. [00:27:30] They used to be about 3% of their attacks or against the government agencies. And now it's 53%. So Russia. And China are going after our national secrets and they can use them in a cold war, which as I've said, I think the first shots of the third world war have been fired. And frankly, they're all cyber, it's all online and Russia. [00:27:57] Isn't the only nation state actor who's changing its approaches here as espionage is the most common goal amongst all nation state groups as of this year. Tivity of hackers reveals different motivations in Iran, which quadrupled its targeting of Israel. Surprise, surprise. Over the last year. And Iran has been launching destructive attacks, things that will destroy power, power plants, et cetera, and North Korea, which is targeting cryptocurrency companies for profit. [00:28:29] So they're stealing these various crypto coins again, funding their government. So it's, it's a problem. Absolute problem. Government sectors are some of the most targeted 48%. These NGOs non-government organizations that act kind of a quasi government functions and think tanks are 31%. Uh, and Microsoft, by the way, has been alerting customers of nation, state attack, attack attempts. [00:29:01] Guess how many this year that they had to warn about 20,500 times in the past three years. So that's a lot and Microsoft is not a company that's been out there at the front lines. It never has been it's in behind. So to have them come out and say, this is. And okay, by the way, your stolen username and password run for a buck per thousand, and it's only gonna take you hundreds of hours to get it all cleared up. [00:29:32] Isn't that nice spear fishing for a hire can cost a hundred to a thousand dollars per successful account takeover and denial of service attacks are cheap from protected sites, roughly $300. Per month. And if you want to be ransomware king, it's only going to cost you 66 bucks upfront 30% of the profit. [00:29:54] Okay. Craziness. Hey, visit me online. Sign up Craig, peter.com/subscribe. [00:30:03] I had an interesting mastermind meeting this week. There's six of us. We're all business owners and it opened my eyes pretty dramatically because one of the members got hacked, but that's not what I really want to emphasize. [00:30:20] This whole cybersecurity thing gets pretty complicated, pretty quickly. And a friend of mine who is in one of my mastermind groups had a real problem. And the here's here's what went on. We'll call him Walt for back of a letter, lack of a better name since that is his name. [00:30:40] And he doesn't mind me sharing this with you. Walt has a very small business that he and his wife run, and they have a couple of contractors that help out with some things, but his business is very reliant on advertising and primarily what he does is Facebook advertising. Now I've been talking for two years, I think in this mastermind group about cyber security and the fact that everyone needs good cyber security. [00:31:13] And he always just kind of pole hum to, uh, wow. You know, and it's just too complicated for me. I got to thinking for a, you know, a bit, really a few weeks, what does he mean to complicated? Cause there's some basic things you can do. So this week on Tuesday, I was on our mastermind groups meeting and I explained, okay, so here's what happened to Walt. [00:31:42] He had $40,000 stolen, which by the way, it's a lot of money for a teeny tiny husband wife company. And. Uh, well, here's what we did. He, we helped them. We got the FBI involved and, you know, with our direct ties, cause we work with them on certain types of cases and he got back every dime, which is just totally unheard of. [00:32:06] But um, without going into all of the details there, I spent a problem. 1520 minutes with the whole group and the mastermind explaining the basics of cyber security. And that really kind of woke me up, frankly, because of their responses. Now these are all small business owners and so they're making pretty decent money. [00:32:31] In fact, every one of them and they all have some contractors and some employees all except for Walt and his wife, they had just have contractors and. I had two completely different responses from two members of this group that no. Let me tell you this was really eye opening for me. And this is why you might've heard me in the first segment talking about this, but this is why I have really changed my view of this stuff, this cybersecurity stuff, because I explained. [00:33:08] If you're using things like Norton antivirus or McAfee, antivirus, or really any of them, even the built-in Microsoft defender this year, those standard antivirus system. I have only been able to catch about 30% of the malware out there, 30%, you know, that's like having a house and you've got a security guard posted out front. [00:33:39] He's armed, he's ready to fight. And yet all of your windows are open and all of your doors are unlocked. And all someone has to do is crawl in the side window because that guy that's posted up front, he's not going to be able to stop. So 30% effectiveness. And of course, Walt had all of the basic stuff. [00:33:59] He thought he was good enough. It's not worth spending time or money doing any of this. And of course it turned out to be well worth the time and money if he had done it. But he has a friend who has contacts and, and made things happen for him. So I guess he's kind of, kind of lucky in that regard, but I explained that and I said, do you know the, the way you. [00:34:21] To go. If you're a small business, it's about $997 a month for a small business, with a handful of employees to get the type of security you really need. There's going to catch. 90 something 98%. Maybe if, if things go well of the stuff going on, in other words, you don't just have an armed guard at the front door. [00:34:46] You've got all the windows closed and blocked and the doors closed and locked as well. So yeah, somebody can still get in, but they got to really want to get in and risk getting caught. So that's kind of the analogy that I used now. One of the members of my. Of my mastermind thought, well, okay. Cause you're just being Frank with me. [00:35:09] Right? We're all friends. She said, well, initially I thought, oh Craig, I'm going to have to have you help out with stuff here. Cause my, you know, I'm concerned about my security. I make some good money. Uh, she's the one that has employee. She has a million dollar plus a year business and she wants to keep it safe. [00:35:26] But then she. Uh, you know, but, but you know, you were talking about all of this Norton and stuff and that it doesn't work. So I, I just, I don't have any hope. And that's when the another member jumped in and this other member said, well, Uh, oh, that's not what I got at all. I got the, the normal off the shelf stuff that you buy that you're going to get from Amazon, or you're going to get from PC connection or wherever that stuff is not going to work, but there is stuff that does, but it's only professional stuff. [00:36:02] You can only get it from professionals that are trained in certified. Which is the right message. Right. That was the message I was trying to relay. Yeah. Don't try and do it yourself because you can't even get the right tools that you need. That is frankly a problem. So that really got me to think. In, in a very big way, because here are two people that have heard me talk about cybersecurity and their eyes probably glazed over, but now their eyes, I know at least one of these ladies definitely glazed over. [00:36:36] So I've come to the realization that sometimes I. A little too deep into things. And although I can explain it quite well to many people, sometimes people glaze over and I get emails from you guys saying kind of the same thing. I really appreciate it. I don't understand a lot of what you're saying, Craig, but thanks for being there. [00:36:59] Listen to you every week here on the radio. Uh, then that's good. That's reassuring, but now I've come to realize a few things. One is. The I've got to be a lot clearer in my messaging, because even when talking to my friends, it is a little bit overwhelming for them sometimes. Right. And then the next thing is everybody needs help because you're being lied to. [00:37:29] Right. How are people getting ransomware? If the stuff that they're buying work. Maybe it's just me, but I think there's a disconnect there. So a lot of you guys have gone out and you've hired people and I want to spend just a few minutes right now, going through some red flags that you need to be looking out for in vendor security assessment. [00:37:56] Now I'm putting one together. As well, right yet another one. Uh, and what I'm trying to do is help you out, right? This is not as sales tool. It is trying to help you figure out where you're at. I'm putting together a webinar that I'm going to be holding these what I'm calling bootcamps, where I go through and show you exactly how to do the basic steps that you need to do in order to be safe on. [00:38:25] Okay. If an online, all that means is your, is plugged in, right. Okay. It doesn't mean you're going out and doing a lot of stuff out there on the internet just means it's connected. So those are going to be coming out. I will send an email out as soon as all of that. Stuff's ready. Cause. Absolutely free. And these assessments, I have the basic one that you can do yourself. [00:38:47] It's a self-assessment. And then I have the more advanced ones that I do that are five grand. Okay. So you've got to be a decent sized business for this to make sense where we look for all of the security problem. On all of your computers and your networks, and then give you a list of things you need to do and how to do them. [00:39:10] Okay. So it's well worth it for them, but if you're a very small company and you're trying to do some of this yourself, I want to help you. So that's what these boot camps are going to be all over. And also what the scorecard is going to be all about. So that's coming up, but here are some good red flags and an assessment. [00:39:30] I found this again on dark reading. This is kind of an insider website for those of us in the cybersecurity business, but, um, How can you verify the information that vendors are giving you about their own cybersecurity posture? We've heard in the news and I've talked about them all year, this year, and for years past. [00:39:56] That are we're vendors can be our worst nightmare because some of these hacks come in through our vendors. So you've got yourself, a cybersecurity company. How do you know if they are really telling you the truth? And man, is that hard for you to know? Right. You're going to ask him questions and the salesmen are going to say, oh yeah, yeah, yeah. [00:40:21] That's why we don't have salesmen. Right. We have engineers. You talk to me, you might talk to my son or my daughter, people who have been doing this with me, who I have trained and helped out. So this guy who wrote the article and there's this on attributed, I don't see an attribution on here on this page. [00:40:41] I definitely want to give him, probably I heard is John Babinec wrote this thing and he is a principle threat hunters. What he calls himself over at net and rich. So he says, here's what you got to do. And if you're trying to be cost-effective, he puts it in. What I call an ed month clause. And one of these days I'll tell you that story, but he calls it a validity check question so that an honest vendor would tell you, no, they don't do X and give you a good reason why they don't like it's not cost effective. [00:41:17] It's outside of a reasonable risk model. Does that make sense to you? So when you're trying to evaluate a vendor, who's going to be doing your cyber security put in one of these validity checks put in one of these questions. It doesn't really matter to you, but it's something that would be very hard for one of these cybersecurity companies to do. [00:41:42] And maybe it doesn't fit the risk model that you have. I think it's just absolutely brilliant. Probably one of the better ways when you're trying to evaluate an MSSP as cybersecurity managed or otherwise provider stick in something like that. So you have a red flag that just stands out for you. All right. [00:42:04] Make sure you are registered online. Craig Peter sohn.com/subscribe. So you can find out about all of these trainings coming up. [00:42:17] If you've never heard of the Carrington event, I really hope, frankly, I really, really do hope we never have to live through one of these. Again, there is a warning out there right now about an internet apocalypse that could happen because of the Sun. [00:42:34] Solar storms are something that happens really kind of all of the time. The sun goes through solar cycles. About every seven years, there are longer cycles as well. You might know. I have an advanced class amateur radio license I've had for a long time, and we rely a lot when we're dealing with short wave on the solar cycle. [00:42:59] You see what happens is that the sun charges, the atmosphere. You see that if you've ever seen the Northern light, that is. Part of the Sunzi missions, hitting our magnetic field and kind of getting sucked into the core of the earth, if you will, as they get caught in that field. And the more charged the atmosphere is, the more bounce you get. [00:43:24] That's what we call it bounce. And the reason us hams have all these different frequencies to use is because of the battle. We can go different frequencies with different distances, I should say, using different frequencies. So think about it right now. You've got the earth and I want to talk from Boston to Chicago. [00:43:47] For instance, I know about how many miles it is, and I have to figure out in the ionosphere up in the higher levels of the atmosphere, what frequency. To use in order to go up into the atmosphere, bounce back, and then hit Chicago. That's the idea. It's not quite as simple or as complex in some ways, as it sounds, a lot of people just try different frequencies and a lot of hams just sit there, waiting for anybody anywhere to talk to, particularly if they are. [00:44:20] It's really quite fun. Now what we're worried about, isn't so much just the regular solar activity. We get worried when the sun spots increase. Now, the solar cycle is what has primary image. On the temperature on earth. So no matter what, you might've heard that isn't your gas, guzzling car or a diesel truck that causes the Earth's temperature to change. [00:44:49] Remember the only constant when it comes to the Earth's temperature has been changed over the millions of years. We had periods where the earth was much warmer than it is now had more common that carbon dioxide in the atmosphere than it does now had less. In fact, right now we are at one of the lowest levels of carbon dioxide in the atmosphere in earth, long, long. [00:45:15] So the sun, if you might remember, comes up in the morning, warms things up, right? And then it cools down. When the sun disappears at nighttime, it has a huge impact. It's almost exclusively the impact for our temperatures. If there's other things too, for instance, eruption can spew all to hold a lot of carbon dioxide. [00:45:40] In fact, just one, just Mount St. Helens wanted erupted, put more carbon dioxide into the atmosphere than man has throughout our entire existence. Just to give you an idea, right? So these alarms that are out there, uh, you know, come on, people. Really, and now we're seeing that in, uh, this last year we had a 30% increase in the ice cap up in the, in, up in the north, up in Northern Canada, around the polls. [00:46:12] Uh, we also had some of these glaciers growing. It was so funny. I saw an article this year, or excuse me, this week that was showing a sign that was at one of our national parks. And it said this glacier will have disappeared by 2020. Of course it hasn't disappeared. In fact, it has grown now and it's past 2020. [00:46:34] Anyhow, the sun has a huge impact on us in so many ways. And one of the ways is. Well, something called a coronal mass ejection. This is seriously charged particles. That tend to be very, very directional. So when, when it happens, when there's one of these CMS coronal, mass ejections, it's not just sending it out all the way around the sun everywhere. [00:47:02] It's really rather concentrated in one. One particular spot. Now we just missed one not too long ago. And let me see if I can find it here. Just mast, a cm E near miss. Here we go. There a solar super storm in July, 2012, and it was a very, very close shave that we had most newspapers didn't mention it, but this could have been. [00:47:33] AB absolutely incredible. We'd be picking up the pieces for the next 50 years. Yeah. Five, zero years from this one particular storm. And what happens is these, these solar flares, if you will, are very, very extreme, they CME. You're talking about x-rays extreme UV, ultraviolet radiation, reaching the earth at the speed of light ionizes, the upper layers of atmosphere. [00:48:02] When that happens, by the way, it hurts our communications, but it can also have these massive effects where it burns out saddle. And then causes radio blackouts, GPS, navigation problems. Think about what happened up in Quebec. So let me just look at this call back, uh, hit with an E and yeah, here we go. And March 13th, 1989. [00:48:33] Here we go. Here's another one. Now I remembered. And this is where Quill back got nailed. I'm looking at a picture here, which is, uh, looking at the United States and Canada from the sky and where the light is. And you can see Quebec is just completely black, but they have this massive electrical blackout and it's becomes. [00:48:57] Of this solar storm. Now they, these storms that I said are quite directional, depending on where it hits and when it hits things can get very, very bad. This particular storm back in 1989 was so strong. We got to see their Rora Borealis, the Northern lights as far south, as Florida and cue. Isn't that something, when we go back further in time to this Carrington event that I mentioned, you could see the Northern lights at the equals. [00:49:35] Absolutely amazing. Now the problem with all of this is we've never really had an internet up online. Like we have today when we had one of the storms hit. And guess what we're about to go into right now, we're going into an area or a time where the sun's going to be more active, certainly on this, this 11 year cycle and possibly another bigger cycle too, that we don't really know much about. [00:50:07] But when this hit us back in the 1850s, what we saw was a, uh, a. Telegraph system that was brought to its knees. Our telegraphs were burned out. Some of the Telegraph buildings were lit. They caught on fire because of the charges coming in, people who were working the telegraphs, who are near them at the time, got electric shocks or worse than that. [00:50:34] Okay. 1859 massive Carrington event compass needles were swinging wildly. The Aurora Borealis was visible in Columbia. It's just amazing. So that was a severe storm. A moderate severity storm was the one that hit in Quebec here, knocked out Quebec, uh, electric. Nine hour blackout on Northeast Canada. What we think would happen if we had another Carrington event, something that happened to 150 years ago is that we would lose power on a massive scale. [00:51:13] So that's one thing that would happen. And these massive transformers that would likely get burned out are only made in China and they're made on demand. Nobody has an inventory. So it would be at least six months before most of the country would get power back. Can you believe that that would be just terrible and we would also lose internet connectivity. [00:51:39] In fact, the thinking that we could lose internet connectivity with something much less than a severe storm, maybe if the Quebec power grid solar, a massive objection here. Maybe if that had happened, when. The internet was up. They might have burned out internet in the area and maybe further. So what we're worried about is if it hits us, we're going to lose power. [00:52:07] We're going to lose transformers on the transmission lines and other places we're going to lose satellites and that's going to affect our GPS communication. We're going to lose radio communication, and even the undersea cables, even though they're now no longer. Regular copper cables. It's now being carried of course, by light in pieces of glass. [00:52:32] The, those cables need to have repeaters about every 15 miles or so under underwater. So the power is provided by. Copper cables or maybe some other sort of power. So these undersea cables, they're only grounded at extensive intervals, like hundreds or thousands of kilometers apart. So there's going to be a lot of vulnerable components. [00:52:59] This is all a major problem. We don't know when the next massive. Solar storm is going to happen. These coronal mass ejections. We do know they do happen from time to time. And we do know it's the luck of the draw and we are starting to enter another solar cycle. So be prepared, everything. Of course, you're listening to Craig Peterson, cybersecurity strategist. [00:53:28] If you'd like to find out more and what you can do, just visit Craig peterson.com and subscribe to my weekly show notes. [00:53:39] Google's got a new admission and Forbes magazine has an article by Zach Dorfman about it. And he's saying you should delete Google Chrome now after Google's newest tracking admission. So here we go. [00:53:55] Google's web browser. Right? It's been the thing for people to use Google Chrome for many years, it's been the fastest. Yeah, not always people kind of leapfrog it every once in a while, but it has become quite a standard. Initially Microsoft is trying to be the standard with their terrible browser and yeah, I to Exploder, which was really, really bad and they have finally completely and totally shot it in the head. [00:54:29] Good move there on their part. In fact, they even got rid of their own browser, Microsoft edge. They shot that one in. They had to, I know I can hear you right now saying, oh, Craig, I don't know. I just use edge browser earlier today. Yeah. But guess what? It isn't edge browser. It's actually Google Chrome. The Microsoft has rebranded. [00:54:52] You see the guts to Google Chrome are available as what's called an open source project. It's called chromium. And that allows you to take it and then build whatever you want on top of. No, that's really great. And by the way, Apple's web kit, Kat is another thing that many people build browsers on top of and is part of many of these browsers we're talking about right now, the biggest problem with the Google Chrome. [00:55:22] Is they released it so they could track you, how does Google make its money? Well, it makes us money through selling advertising primarily. And how does it sell advertising if it doesn't know much or anything about you? So they came out with the Google Chrome browser is kind of a standard browser, which is a great. [00:55:43] Because Microsoft, of course, is very well known for not bothering to follow standards and say what they have is the actual standard and ignoring everybody else. Yeah. Yeah. I'm picking on Microsoft. They definitely deserve it. Well, there is what is being called here in Forbes magazine, a shocking new tracking admission from. [00:56:05] One that has not yet made headlines. And there are about what 2.6 billion users of Google's Chrome worldwide. And this is probably going to surprise you and it's frankly, Pretty nasty and it's, I think a genuine reason to stop using it. Now, as you probably know, I have stopped using Chrome almost entirely. [00:56:31] I use it when I have to train people on Chrome. I use it when I'm testing software. There's a number of times I use it, but I don't use. The reality is the Chrome is an absolute terror. When it comes to privacy and security, it has fallen way behind its rivals in doing that. If you have an iPhone or an iPad or a Mac, and you're using safari, apple has gone a long ways to help secure your. [00:57:09] Well, that's not true with Chrome. In fact, it's not protecting you from tracking and Dave up data harvesting. And what Google has done is they've said, okay, well, we're going to get these nasty third party cookies out of the whole equation. We're not going to do that anymore. And what they were planning on doing is instead of knowing everything specifically. [00:57:34] You they'd be able to put you in a bucket. So they'd say, okay, well you are a 40 year old female and you are like driving fast cars and you have some kids with a grandkid on the way, and you like dogs, not cats, right? So that's a bucket of people that may be a few hundred or maybe up to a thousand. As opposed to right now where they can tell everything about you. [00:58:04] And so they were selling that as a real advantage because they're not tracking you individually anymore. No, we're putting you in a bucket. Well, it's the same thing. Right. And in fact, it's easier for Google to put you in a bucket then to track everything about you and try and make assumptions. And it's easier for people who are trying to buy ads to place in front of you. [00:58:28] It's easier for them to not have to kind of reverse engineer all of the data the Google has gathered in instead of. To send this ad to people that are in this bucket and then that bucket. Okay. It makes sense to you, but I, as it turns out here, Google has even postponed of that. All right. They really have, they're the Google's kind of hiding. [00:58:54] It's really what's going on out there. Uh, they are trying to figure out what they should do, why they should do it, how they should do it, but it's, it's going to be a problem. This is a bad habit. The Google has to break and just like any, anybody that's been addicted to something it's going to take a long time. [00:59:16] They're going to go through some serious jitters. So Firefox is one of the alternatives and to Google Chrome. And it's actually a very good one. It is a browser that I use. I don't agree with some of the stuff that Mozilla and Firefox does, but again, right. Nobody agrees on everything. Here's a quote from them. [00:59:38] Ubiquitous surveillance harms individually. And society Chrome is the only major browser that does not offer meaningful protection against cross cross site tracking and Chrome will continue to leave users unprotected. And then it goes on here because. Uh, Google response to that. And they admit that this massive web tracking out of hand and it's resulted in, this is a quote from Google and erosion of trust, where 72% of people feel that almost all of what they do online is being. [01:00:19] By advertisers, technology firms or others, 81% say the potential risks from data collection outweigh the benefit by the way, the people are wrong. 72% that feel almost all of what they do on online is being tracked. No, no. The answer is 100% of what you do is probably being tracked in some way online. [01:00:41] Even these VPN servers and systems that say that they don't do log. Do track you take a look at proton mail just last week. Proton mail it's in Switzerland. Their servers are in Switzerland. A whole claim to fame is, Hey, it's all encrypted. We keep it safe. We don't do logging. We don't do tracking, uh, guess what they handed over the IP addresses of some of the users to a foreign government. [01:01:10] So how can you do that? If you're not logging, if you're not tracking. Yeah, right. They are. And the same thing is true for every paid VPN service I can think of. Right. So how can Google openly admit that their tracking is in place tracking everything they can, and also admit that it's undermining our privacy and. [01:01:38] Their flagship browser is totally into it. Right? Well, it's really, it's gotta be the money. And Google does not have a plan B this anonymized tracking thing that they've been talking about, you know, the buckets that I mentioned, isn't realistic, frankly. Uh, Google's privacy sandbox is supposed to Fitbit fix it. [01:02:00] I should say. The, the whole idea and the way it's being implemented and the way they've talked about it, the advertisers on happy. So Google's not happy. The users are unhappy. So there you go. That's the bottom line here from the Forbes article by Zach Dorfman, delete Google Chrome. And I said that for a long time, I do use some others. [01:02:27] I do use Firefox and I use. Which is a fast web browser, that some pretty good shape. Hey, if you sign up for my show's weekly newsletter, not only will you get all of my weekly tips that I send to the radio hosts, but you will get some of my special reports that go into detail on things like which browser you shouldn't be using. [01:02:52] Sign up right now. Craig peterson.com. [01:02:57] Many businesses have gone to the cloud, but the cloud is just another word for someone else's computer. And many of the benefits of the cloud just haven't materialized. A lot of businesses have pulled back and are building data centers again. [01:03:14] The reason I mentioned this thing about Microsoft again, and the cloud is Microsoft has a cloud offering. [01:03:23] It's called Microsoft Azure. Many people, many businesses use it. We have used it with some of our clients in the past. Now we have some special software that sits in front of it that helps to secure. And we do the same thing for Amazon web services. I think it's important to do that. And we also use IBM's cloud services, but Microsoft is been pitching for a long time. [01:03:51] Come use our cloud services and we're expecting here probably within the next month, a big announcement from Microsoft. They're planning on making it so that you can have your desktop reside in Microsoft's cloud, in the Azure cloud. And they're selling really the feature of it doesn't matter where you are. [01:04:17] You have your desktop and it doesn't matter what kind of computer you're on. As long as you can connect to your desktop, using some just reasonable software, you will be able to be just like you're in front of a computer. So if you have a Chromebook or a Mac, Or a windows or tablet, whatever, and you're at the grocery store or the coffee shop or the office, you'll be able to get it, everything, all of your programs, all your files. [01:04:47] And we, Microsoft will keep the operating system up to date for you automatically a lot of great selling points. And we're actually looking into that. Not too heavily yet. We'll give them a year before we really delve into it at all. Cause it takes them a while to get things right. And Microsoft has always been one that adds all kinds of features, but most of the time, most of them don't work and we can, we can document that pretty easily, even in things like Microsoft. [01:05:18] Well, the verge is now reporting that Microsoft has warned users of its as your cloud computing service, that their data has been exposed online for the last two years. Yeah, let me repeat that in case you missed it, you, uh, yeah. I'm I'm I might've misspoken. Right. Uh, let me see, what does it say? It says, um, users of Azure cloud competing service. [01:05:48] So that's their cloud. Microsoft's big cloud. Okay. Um, their data has been. Exposed online. Okay. So that means that people could get the data, maybe manipulate the data that sort of exposed means for the last two years. Are you kidding me? Microsoft is again, the verge. Microsoft recently revealed that an error in its Azure cosmos database product left more than 3,300 as your customers data. [01:06:24] Completely exposed. Okay guys. So this, this, this is not a big thing, right? It can't possibly be big thing because you know who uses Azure, right. Nobody uses a zer and nobody uses hosted databases. Come on, give me a break. Let me see, what else does this have to say? Oh, okay. It says that the vulnerability was reported, reportedly introduced into Microsoft systems in 2019, when the company added a data visualization feature called Jupiter notebook to cosmos DB. [01:06:59] Okay. Well, I'm actually familiar with that one and let's see what small companies let's see here. Um, some Azure cosmos DB clients include Coca Cola. Liberty mutual insurance, Exxon mobile Walgreens. Hmm. Let me see. Could any of these people like maybe, maybe Liberty mutual insurance and Walgreens, maybe they'd have information about us, right. [01:07:26] About our health and social security numbers and account numbers and credit cards. Names addresses. Right, right. That's again, why I got so upset when these places absolutely insist on taking my social security number, right? It, it, first of all, when it was put in place, the federal government guaranteed, it would never be used for anything other than social security. [01:07:53] And the law even said it could not be used for anything other than social security. And then the government started expanding it. Right. And the IRS started using it. To track all of our income and you know, that's one thing right there, the government computers, they gotta be secure. Right. All of these breaches we hear about that. [01:08:12] Can't be true. Uh, so how about when the insurance company wants your personal information? Like your social security number? What business is it of? There's really no. Why do they have to have my social security number? It's a social security number. It's not some number that's tattooed on my forehead. [01:08:36] That's being used to track me. Is it this isn't a socialist country like China is, or the Soviet union was right. It's not socially. So why are they tracking us like that? Walgreens? Why do they need some of that information? Why does the doctor that you go to that made the prescription for Walgreens? Why do they need that information? [01:09:00] And I've been all over this because they don't. Really need it. They want, it makes their life easier, but they don't really need it. However, it exposes us. Now, if you missed the email, I sent out a week ago, two weeks ago now, I guess. You missed something big because I, in my weekly newsletter went through and described exactly what you could do in order to keep your information private. [01:09:35] So in those cases where websites asking for information that they don't really need, right? You don't want to lie, but if they don't really need your real name, why you're giving them your real name? Why do you use a single email address? Why don't you have multiple addresses? Does that start make sense to you guys? [01:09:54] And now we find out that Microsoft Azure, their cloud services, where they're selling cloud services, including a database that can be used online, a big database, uh, 3,300 customers looks like some of them are actually kind of big. I don't know. ExxonMobil pretty big. Yeah. I think so. Walgreens, you think that that might be yeah, yeah, yeah, yeah. [01:10:22] Y. Why are we trusting these companies? You know it, if you have a lot of data, a lot of customers, you are going to be a major target of nation states to hack you and bat just general hackers, bad guys. But you're also, if, if you've got all this information, you've also got to have a much higher level of security than somebody that doesn't have all of that information. [01:10:52] Does that make sense too? Did I say that right? You don't need the information and, and I've got to warn anybody that's in a business, whether you're a business owner or you're an employee, do not keep more data than you need the new absolutely need to run your company. And that includes data about your customers. [01:11:16] And maybe, maybe it's even more specifically data about your customer. Because what can happen is that data can be stolen and we just found. That? Yes, indeed. It could have been, it was exposed Microsoft the same. We don't know how much it was stolen. If anything was stolen. Um, yeah, Walgreens. Hey, I wonder if anyone's going to try and get some pain pills illegally through, uh, this database hack or a vulnerability anyways. [01:11:47] All right, everyone. Stick around. We'll be back. Of course, you listening to Craig Peterson. I am a cybersecurity strategist for business, and I'm here to help you as well. You can ask any question any time, uh, consumers are the people I help the most, you know, I wish I got a dime for every time I answered a question. [01:12:09] Just email me@craigpeterson.com me@craigpeterson.com and stick around. [01:12:18] Whether or not, you agree with the lockdown orders that were put in place over this COVID pandemic that we had. Uh, there are some other parts of the world that are doing a lot more. [01:12:34] Australia has, I don't know. I think that they went over the deep end. The much, the same thing is true right next door to them. [01:12:45] And I am looking at a report of what they are doing with this new app. Uh, you might be aware that both apple and Google came out with an application programming interface. That could be used for contract tack tracking, contact tracking. There you go. Uh, it wasn't terribly successful. Some states put some things in place. [01:13:13] Of course you get countries like China. I love the idea because heaven forbid you get people getting together to talk about a Tannen square remembrance. Now you want to know who all of those people were, who were in close proximity, right? So, you know, good for China a while, as it turns out, Australia is putting something in place they have yet another COVID lockdown. [01:13:39] They have COVID quarantine orders. Now I think if you are sick, you should stay on. I've always felt that I, you know, I had 50 employees at one point and I would say, Hey, if you're sick, just stay home. Never required a doctor's note or any of that other silliness, come on. People. If someone's sick, they're sick and let them stay home. [01:14:04] You don't want to get everybody else in the office, sick and spread things around. Right. Doesn't that just kind of make sense. Well, they now in Australia, don't trust people to stay home, to get moving. Remember China, they were, they were taking welders and we're going into apartments in anybody that tested positive. [01:14:22] They were welding them into their apartment for minimum of two weeks. And so hopefully they had food in there and they had a way to get fresh water. Australia is not going quite that far, but some of the states down under. Using facial recognition and geolocation in order to enforce quarantine orders and Canada. [01:14:47] One of the things they've been doing for very long time is if you come into the country from out of the country, even if you're a Canadian citizen, you have to quarantine and they'll send people by your house or you have to pay to stay for 10 days in a quarantine hope. So you're paying the course now inflated prices for the hotel, because they're a special quarantine hotel. [01:15:14] You have to pay inflated prices to have food delivered outside your door. And that you're stuck there for the 10 days, or if you're at home though, they, you know, you're stuck there and they'll send people by to check up on you. They'll make phone calls to check up on you and. They have pretty hefty find. [01:15:36] Well, what Australia has decided to do is in Australia is Charlene's even going from one state to another state are required to prove that they're obeying a 14 day quarantine. And what they have to do is have this little app on their phone and they, the app will ping them saying, prove it. And then they have to take a photo of themselves with geo location tag on it and send it up via the app to prove their location. [01:16:15] And they have to do all of that within 15 minutes of getting the notification. Now the premier of the state of south Australia, Steven Marshall said we don't tell them how often or when on a random basis, they have to reply within 15 minutes. And if you don't then a police, officer's going to show up at the address you're supposed to be at to conduct an in-person check. [01:16:43] Very very intrusive. Okay. Here's another one. This is a, an unnamed government spokesperson who was apparently speaking with Fox news quote. The home quarantine app is for a selected cohort of returning self Australians who have applied to be part of a trial. If successful, it will help safely ease the burden of travel restrictions associated with the pandemic. [01:17:10] So there you go. People nothing to worry about. It's just a trial. Uh, it will go away. Uh, just like, uh, for instance, income tax, as soon as rule, number one is over, it will be removed and it will never be more than 3% and it will only apply to the top 1% of wage-earners. So there you go. Right. And we all know that world war one isn't over yet. [01:17:34] Right. So that's why they still have it in somehow. Yeah, some of the middle class pays the most income tax. I don't know. Interesting. Interesting. So there you go. Little news from down under, we'll see if that ends up happening up here. News from China, China has, uh, China and Russia have some interesting things going on. [01:17:55] First of all, Russia is no longer saw. Country, they kind of are. They kind of aren't, they are a lot freer in many ways than we are here in the United States. Of course, China, very heavily socialist. In fact, they're so socialists, they are communist and China. And Russia both want their kids to have a very good education in science, engineering, and mathematics. [01:18:23] Not so much on history, not so much on, on politics. Right. But definitely heavy on the, on the sciences, which I can see that makes all the sense. I think everybody should be pretty heavily on the science. Well, according to the wall street journal this week, gamers under the age of 18 will not be allowed to play online games between 8:00 PM and 9:00 PM on Friday, Saturdays and Sundays. [01:1

Wake Up Late with Dougie Show
Oct 12, 2021 with Dougie Almeida, Jeffrey Gurian & Dustin Chafin

Wake Up Late with Dougie Show

Play Episode Listen Later Oct 15, 2021 77:42


Show Opens with discussions on such things as; LGBTQ tries to cancel Dave Chappelle, School Board Weaponizes FBI against parents, What is "Stealthing?", & 10 seconds of advice to the world Things To Know Hundreds of thousads of US Troops defy vaccine mandate, Southern boarder open again as National Guard troops return to their Red States & Biden administration lobbys to allow IRS to investigate every $600 and above deposit and withdraw of US citizens bank accounts The News is a Joke "Police searching for man who allegedly took dirty diapers from Toronto daycare", "B.C. woman awakes to a hole in her roof and a space rock on her pillow", "Parents Want High School Principal Removed For Listening To IRON MAIDEN; Students Rally Behind Her", "Actor killed on stage during opera at Moscow's Bolshoi theater", & "Battle-hardened Taliban fighters enjoy a day off at amusement park" Thanks For Listening & Please Subscribe to our Youtube Channel & Like our Facebook Fanpage  

Larry Conners USA
Former Border Patrol Reacts Live / 1PM LC-USA 10–15-21

Larry Conners USA

Play Episode Listen Later Oct 15, 2021 46:05


Friday, October 15th, 2021, Larry Conners addresses Secretary of Treasury, Janet Yellen, boldly lying about why the IRS will review any transaction over $600. Larry criticizes her response during a CBS interview as he is not her only critic. Then, more leftist excuses behind food shortages…blame it on the unvaccinated. Later, former border patrol of [...] The post Former Border Patrol Reacts Live / 1PM LC-USA 10–15-21 appeared first on Larry Conners USA.

Podcasts by Larry Lannan
Chapter 49 Podcast October 15, 2021

Podcasts by Larry Lannan

Play Episode Listen Later Oct 15, 2021 38:25


A deadline is looming to submit reasonable accommodation requests for the IRS vaccination mandate...Duncan Giles talks at length about that and much more as he joins host Larry Lannan for this week's Chapter 49 podcast.

Mike Gallagher Podcast
10-15-21 The Mike Gallagher Show Hour 3

Mike Gallagher Podcast

Play Episode Listen Later Oct 15, 2021 37:24


Joe Biden says that vaccine mandates should not be an issue that divides us despite him previously demeaning unvaccinated Americans. Also, Mike talks to President of Taxpayers Protection Alliance David Williams about Biden's plan to have the IRS track all bank account transactions over $600. See omnystudio.com/listener for privacy information.

Mike Gallagher Podcast
FULL INTERVIEW - David Williams, President of Taxpayers Protection Alliance

Mike Gallagher Podcast

Play Episode Listen Later Oct 15, 2021 15:46


David Williams is the President of Taxpayers Protection Alliance. David joins Mike to discuss the Democrats' plan to have the IRS track all bank account transactions that are over $600. Why does the IRS need to track these transactions? David explains how the economy is already struggling with all the inflation we are experiencing and this new initiative is not going to help us get back on the right track. David dives into how the IRS conducts their auditing and addresses the concerns that Americans have about this new plan. See omnystudio.com/listener for privacy information.

The Patrick Madrid Show
The Patrick Madrid Show: October 15, 2021 – Hour 1

The Patrick Madrid Show

Play Episode Listen Later Oct 15, 2021 49:09


Patrick discusses the news about Russia outlawing Scientology within its borders, which springboards into his explanation of Scientology’s Sci-fi beliefs and how, though technically deemed a “Church” by the IRS, it has nothing to do with God or anything even remotely resembling Christianity. Patrick shares his experiences with Scientology Patrick recommends the movie “Going Clear” […] All show notes at The Patrick Madrid Show: October 15, 2021 – Hour 1 - This podcast produced by Relevant Radio

7 Figures Club: A Business Growth Podcast
102: How to Make a Fortune in the Note Industry! (w/ EDDIE SPEED!)

7 Figures Club: A Business Growth Podcast

Play Episode Listen Later Oct 15, 2021 24:11


We had an informative conversation today with Eddie Speed, a man with decades of experience in the space of buying/selling notes and generating legitimate income from them.  We talked about how notes work and how passive investors can get a piece of the pie.   We talked about structuring financing, seller financing and maximizing one's positive return.  We even discussed how the IRS plays into and ways to stretch out and minimize tax burdens, including but not limited to capital gains.  Let's go!

SkyWatchTV Podcast
Five in Ten 10/15/21: The Friday Five - This is How Terminators Start

SkyWatchTV Podcast

Play Episode Listen Later Oct 15, 2021 22:00


A defense contractor has mounted a sniper rifle onto a quadrupedal dog-like robot. Robotics experts are alarmed, to say the least. SkyWatchTV was banned by YouTube! Please follow SkyWatchTV on Rumble: www.rumble.com/skywatchtv 5) Showdown between federal and state orders on vaccine mandates; 4) Border crisis likely to get worse, based on migrant numbers in Central America; 3) Chinese belligerence making Taiwan, Japan, India nervous; 2) Biden administration wants to give IRS broad power to spy on your bank accounts; 1) Robot dog fitted with sniper rifle.

Using the Whole Whale Podcast
260: What happens when Cryptocurrency meets DAFS? Endaoment

Using the Whole Whale Podcast

Play Episode Listen Later Oct 15, 2021 53:51


This week host George Weiner interviews Zach Bronstein, the Chief Operating Officer of Endaoment and DAF built on Ethereum helping people donate cryptocurrency.    About Endaoment Endaoment is a new Community Foundation & public charity offering Donor-Advised Funds (DAFs) built atop the Ethereum blockchain, allowing folks to donate to almost any U.S. nonprofit organization. Our mission is to encourage and manage the charitable giving of cryptocurrency. We're a California Nonprofit Public Benefit Corporation headquartered in San Francisco, federally tax-exempt under IRS revenue code section 501(c)(3). All donations to Endaoment or Endaoment DAFs are tax-deductible to the fullest extent of the law.  We're focused on making the most secure and easy-to-use giving platform for both Donors and Organizations interested in cryptocurrency. Grants are paid out via ABA bank wire as US dollars or via Ethereum transaction as US dollar coins (USDC - a form of stablecoins, a cryptocurrency)   Resource Links Main Page: app.endaoment.org Documentation site: docs.endaoment.org Org page (all granted to orgs): app.endaoment.org/orgs Etherscan: https://etherscan.io Eth2: https://ethereum.org/en/eth2/

TIME's The Brief
Why Literally Millions of Americans Are Quitting Their Jobs... and More Stories

TIME's The Brief

Play Episode Listen Later Oct 15, 2021 29:33


Included in this episode: 1. Why Literally Millions of Americans Are Quitting Their Jobs 2. Biden Wants Banks to Give More Information to the IRS. Here's Why That's a Good Idea 3. FDA Panel Votes to Recommend Moderna COVID-19 Booster Shot 4. In ‘Alarming' Trend, More People Than Ever are Trying to Carry Guns Onto Planes 5. This Trans Politician Is Fighting for Change in Brazil — Despite the Dangers .

NO MORE EXCUSES! WAKE UP!
EP: 25 Topic Entrepreneurship /Defining who you are self-employed or business owner. Understanding the difference to Master the Concept

NO MORE EXCUSES! WAKE UP!

Play Episode Listen Later Oct 15, 2021 33:56


  On this episode of NO More Excuses Wake Up! Introducing the one and only me host Stenell Myers also known as Stenell The Money Therapist. We will be discussing a spin-off episode 24. Defining Who you are Self Employed or Business Owner. Understanding the Difference to Master the Concept. From this episode you will learn:Understanding are you a business owner or a self-employed as an entrepreneurSetting up your business correctly as an entity to be identified by the IRS.How many clients and staff do I have and what I do in both agenciesFiling specific required Documents and Entity that works for your business, so your business is separate from you the personKnowing when to hire a CPABreaking down the difference between Self-Employed, as a job a side hustle and a business ownerExplain when you are recognized as a business owner and owning your jobExamples of different EntitiesExplaining independent Contractor's service performance and tax responsibilities and when to turn your contractors into employeesBusiness owners having different systems and paying taxesImportance of paying taxes                                            MY PERSONAL FINANCIAL MANTRA  BUDGET  PAY DEBT  SAVE  INVEST  AND LIVE     On each episode of No More Excuses. Wake Up! We will be talking about Money, Entrepreneurship & Life Skills that were not taught.            You can download my free budgeting spreadsheet at www.stenellthemoneytherapist.com while you are there watch my video as I portray Muhammad Ali showing you how I kick down closed doors.              Book a 3-month 1-1 personal or business coaching call with mehttps://stenellthemoneytherapist.as.me/consultation                  Learn more about me and my agencies:                                 www.stenellmyersenterprises.com      If you would like to be on No More Excuses. Wake Up! Podcast, please email me at contact@stenellthemoneytherapist.com    Have a question? Want to share a topic you think I should discuss? Email me your questions and suggestions atcontact@stenellthemoneytherapist.com                               Connect with me atwww.stenellthemoneytherapist.comhttp://www.instagram.com/stenellthemoneytherapisthttp://www.facebook.com/moneytherapyinstitutehttps://linktr.ee/stenellthemoneytherapist                            MONEY ENTREPRENEURSHIP AND LIFE SKILLS                                     THAT WAS NOT TAUGHT!                               NO MORE EXCUSES! WAKE UP     

Blind Boys Politics
Social Security Beneficiaries Are Receiving More Money

Blind Boys Politics

Play Episode Listen Later Oct 15, 2021 17:17


Date: October 15, 2021. Topics: Debt Ceiling passes the House and President Biden signed the law. Inflation is on the rise all around the country. Social Security beneficiaries are receiving more money starting in January. Is the IRS still issuing tax refunds? Rapid and good news. Follow Nick on Twitter: https://twitter.com/Blinding_AuraFollow Chris on Twitter: https://twitter.com/c_baker002Follow BBP News on Twitter: https://twitter.com/BBPNewsOfficialNews articles: https://bbpnews.medium.com/

Stitched for Success with Monica Allen
72 - The IRS Sucks!!! Winning in the Tax Prep Arena with John Briggs

Stitched for Success with Monica Allen

Play Episode Listen Later Oct 15, 2021 43:58


On this episode I am speaking with John Briggs, owner of a tax firm with 30 team members and multiple 7 figures in revenue.  He thinks and has no problem vocalizing that the IRS sucks and the government sucks at spending business owner's money.  His goal is to empower the business owner to have clarity in their financial decisions. Quote for this episode: There is a story in your numbers.~ John Briggs John's contact info: Email: john@incitetax.com Website: www.incitetax.com Instagram: https://www.instagram.com/incitetax/ Twitter: https://twitter.com/InciteTax LinkedIn: https://www.linkedin.com/company/incitetax Link to resource: https://incitetax.com/wealth/ Episode Sponsor -  Zeus' Closet Solopreneur Package Now Available - Promo Code: STITCHED Trainual Link Helpful Entrepreneurial Resources from Stitched for Success: Get the 30 point checklist for building a clothing brand at www.zeuscloset.com/checklist Join the Stitched for Success Facebook group today!  A community of entrepreneurial support because entrepreneurship can be lonely. Become Your Own Boss 21 Day Quickstart  - Sign up to launch your business in 21 days. Everything at your fingertips that you need to get started. Download your FREE ebook: The 10 Secrets to Small Business Success in 2021. Go to www.2021secrets.com Ways to reach me: DM me on IG @stitchedforsuccess Email: stitchedforsuccess@gmail.com Follow me on Clubhouse - @monicaallen2 Join my Clubhouse Club -  Become Your Own Boss - Social Media Room hosted each Thursday at 10AM EST. Thanks so much for being with me this week. Have some feedback you'd like to share? Please share on IG or email me.   If you enjoyed this episode, please share it with your friends. Don't forget to subscribe to the show on iTunes, Spotify, Stitcher, Google Podcast, Pandora, Amazon or wherever you get your podcast to get automatic episode updates for "Stitched for Success!"  And, finally, please take a minute to leave a honest review and rating on iTunes or Audible. They really help the me out when it comes to the ranking of the show, and I make it a point to read every single one of the reviews I get. Please take a moment to leave a review. :-) Thanks for listening! --- Send in a voice message: https://anchor.fm/stitchedforsuccess/message

Tom Sullivan Show
Tom Sullivan Show, October 14, Hour 2

Tom Sullivan Show

Play Episode Listen Later Oct 14, 2021 37:44


As the labor shortage worsens people begin to ask, is this temporary? Jen Psaki announces the proposal to have IRS monitor bank accounts with $600 transactions.

Tom Sullivan Show
Tom Sullivan Show, October 14, Hour 3

Tom Sullivan Show

Play Episode Listen Later Oct 14, 2021 37:39


Controversy surrounds IRS proposal to monitor bank accounts with $600 transactions.

Leland Live
10/14 Leland Live Hour 1: The Headlines, Gas Prices, Traffic, and IRS Proposal

Leland Live

Play Episode Listen Later Oct 14, 2021 35:26


Leland Whaley talks about the headlines of the day, the gas prices going up, the Congressional proposal to let the IRS monitor bank deposits of more than $600, and more! See omnystudio.com/listener for privacy information.

Beer and Business
128: Dr. Sanjay Gupta admits that CNN lied with Dr. Gillian Crane

Beer and Business

Play Episode Listen Later Oct 14, 2021 121:10


CNN is reeling after Dr. Sanjay Gupta admits that they lied about COVID on Joe Rogan's podcast, the White House knows how to “fix” supply issues, the IRS wants access to all your banking info, and Apple might be making some big announcements next week!   Dr. Gillian Crane is a chiropractor and an applied kinesiologist.  She and her husband own a private practice in Peachtree City. https://sentinelptc.com   Sources from today's show:   COVID https://www.foxnews.com/media/joe-rogan-dr-sanjay-gupta-cnn-ivermectin https://timcast.com/news/governor-abbott-bars-vaccine-mandates-in-texas/   Supply Chain & Inflation https://www.foxbusiness.com/economy/accelerating-inflation-spreads-through-economy   https://timcast.com/news/white-house-to-announce-ups-fedex-and-walmart-will-begin-24-7-service-to-address-supply-chain-problems/   https://news.yahoo.com/im-california-dock-worker-facing-132925803.html   https://www.foxnews.com/politics/top-white-house-official-retweets-post-calling-inflation-supply-chain-issues-high-class-problems   https://www.foxbusiness.com/economy/social-security-huge-cola-increase-deplete-fund   $600 Reporting https://www.msn.com/en-us/news/technology/does-your-bank-account-have-more-than-24600-in-it-biden-wants-to-keep-an-eye-on-it/ar-AAPuJGX   Entertainment Strike https://www.foxbusiness.com/economy/hollywood-crews-strike-deal-producers   Apple Event https://www.msn.com/en-us/news/technology/apples-october-18-event-what-to-expect-and-how-to-watch/ar-AAPtMbL

Bring it Up
Bring It Up with Cindy Fahy 10-10-21

Bring it Up

Play Episode Listen Later Oct 14, 2021 52:00


This week on Bring It Up Deborah Pegues will share the unforgettable truth that adversity is like the IRS!  It's …. Inevitable Required for spiritual growth Seasonal Support the show: https://www.bringitupmedia.com/give See omnystudio.com/listener for privacy information.

Ken Webster Jr
The IRS Goes Raw-Dog on America

Ken Webster Jr

Play Episode Listen Later Oct 14, 2021 41:44


Today on Kenny Webster's Pursuit of Happiness: Katie Couric is a flaming pile of garbage New Harris County Judge candidate Sanjay Gupta gets duped-ah

The Dana Show with Dana Loesch
Thursday October 14 - Full Show

The Dana Show with Dana Loesch

Play Episode Listen Later Oct 14, 2021 107:36


President Biden says ports will open 24/7 to help resolve the supply chain issues. Energy prices are expected to skyrocket over the winter. Holiday traditions may need to be altered due to product shortage. Dana explains how the expansion of IRS oversight should be the biggest story right now. Prince William slams the space race. Australia is arresting people for sunbathing on the beach. Dr. Fauci admits COVID is endemic. Katie Couric selectively edited out portions of an interview with Ruth Bader Ginsburg to make her look better.Please visit our great sponsors:Patriot Mobilehttps://PatriotMobile.com/DanaStand with Patriot Mobile. Free activations with promo code DANA. Patriotmobile.com/dana or call 972-PATRIOT. Kel-Techttps://KelTecWeapons.comKelTec: Creating Innovative, Quality Firearms to help secure your world. Delta Rescuehttps://deltarescue.orgGet your complete Estate Planning kit at deltarescue.org/dana today and let your passion for animals live well into the future. Black Rifle Coffee Companyhttps://blackriflecoffee.com/danatvUse code DANATV to save 20% off your first coffee club, coffee and select gear purchase. Superbeetshttps://DanasBeets.comStart your day a new way and receive a 30-day supply of SuperBeets Heart Chews with your first purchase.Bonner Winehttps://conservativewines.comDana listeners now receive 50% wine and 50% shipping only at www.Conservativewines.com.Legacy Precious Metalshttps://legacypminvestments.comPick up your free guide to precious metal investments today.Tommy Johnhttps://tommyjohns.com/DanaGet your extra comfy Loungewear today and receive 205 off your first order.

The Dana Show with Dana Loesch
Thursday October 14 - Full Show

The Dana Show with Dana Loesch

Play Episode Listen Later Oct 14, 2021 107:36


President Biden says ports will open 24/7 to help resolve the supply chain issues. Energy prices are expected to skyrocket over the winter. Holiday traditions may need to be altered due to product shortage. Dana explains how the expansion of IRS oversight should be the biggest story right now. Prince William slams the space race. Australia is arresting people for sunbathing on the beach. Dr. Fauci admits COVID is endemic. Katie Couric selectively edited out portions of an interview with Ruth Bader Ginsburg to make her look better.Please visit our great sponsors:Patriot Mobilehttps://PatriotMobile.com/DanaStand with Patriot Mobile. Free activations with promo code DANA. Patriotmobile.com/dana or call 972-PATRIOT. Kel-Techttps://KelTecWeapons.comKelTec: Creating Innovative, Quality Firearms to help secure your world. Delta Rescuehttps://deltarescue.orgGet your complete Estate Planning kit at deltarescue.org/dana today and let your passion for animals live well into the future. Black Rifle Coffee Companyhttps://blackriflecoffee.com/danatvUse code DANATV to save 20% off your first coffee club, coffee and select gear purchase. Superbeetshttps://DanasBeets.comStart your day a new way and receive a 30-day supply of SuperBeets Heart Chews with your first purchase.Bonner Winehttps://conservativewines.comDana listeners now receive 50% wine and 50% shipping only at www.Conservativewines.com.Legacy Precious Metalshttps://legacypminvestments.comPick up your free guide to precious metal investments today.Tommy Johnhttps://tommyjohns.com/DanaGet your extra comfy Loungewear today and receive 205 off your first order.

GovCast
Season 4 Episode 21 - The IRS Plan to Modernize Online Experiences

GovCast

Play Episode Listen Later Oct 14, 2021 27:00


The IRS is amid a huge technological modernization push, and leading its Office of Online Services is Executive Director Karen Howard. She brings a customer-centric approach to her leadership of various initiatives that are impacting the overall taxpayer experience. This includes the business transformation around technologies like digital chat, easy access to data and, of course, security of that data.

ABA Banking Journal Podcast
How the IRS Reporting Proposal Would Affect Banks and Customers

ABA Banking Journal Podcast

Play Episode Listen Later Oct 14, 2021 19:42


On the latest episode of the ABA Banking Journal Podcast — sponsored by NICE Actimize Xceed — Citizens Bank of Edmond CEO Jill Castilla talks about the effects the Biden administration's controversial proposal for a financial account reporting regime would have on a bank like hers, with $310 million in assets and 55 employees. She talks about the challenge of implementing a system like this alongside current anti-money laundering reporting and 1099 filing at a community bank. Castilla also discusses why she started speaking out about the proposal, which would entail bank reporting to the IRS of gross annual inflows and outflows in financial accounts over a de minimis threshold of $600. Hearing directly from Citizens Bank customers worried about their financial privacy and about the elevated risk of audits over normal transactions motivated Castilla to press the issue. With House Speaker Nancy Pelosi indicating that congressional leaders still plan to include some version of this reporting regime in the social spending bill — which continues to be negotiated on Capitol Hill — ABA continues urging bankers to take action and educate their customers about the proposal. Take action and find customer resources at SecureAmericanOpportunity.com.

Financial Survival Network
Bank on Yourself - Anthony Faso & Cameron Christiansen #5299

Financial Survival Network

Play Episode Listen Later Oct 14, 2021 16:19


Summary: I sit down and chat with the masterminds behind Infinite Making to get an idea of what this company is and how you can financially benefit from their services. There's a lot of turmoil in the markets and it's crucial to think about how to grow your money. Infinite Wealth combines various teachings and incorporates a specially designed life insurance policy so that you can see valuable results. Tune in to find out more about this growing company. Highlights: -There's lots of turmoil in the markets, and we need to think about where to put our money and how to make it grow -Infinite Wealth combines various teachings and incorporates a specially designed life insurance policy -The product will get you 20% of your results, and the process will give you 80% of your results -This is designed for cash value, for people that need a place to put their money -Their purpose is to have as much cash as the IRS will allow -You pay the same premium, but typical financial advisors get 2.5 times more commission -They value transparency Useful Links: Financial Survival Network Infinite Wealth Consultants

Jake Of All Trades
What are Health Savings Accounts?

Jake Of All Trades

Play Episode Listen Later Oct 14, 2021 29:59


You may have been offered a Health Savings Account (HSA) from your employer. Although there are similarities with more traditional health plans provided by your employer, there are important differences. Many people believe HSAs are a non-starter, due to their higher deductibles. While each case is different, there are times when an HSA may be the right move for you.  *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonwealth.” Have questions about managing your financial lifestyle? Email Jake@youandifinancial.com and Jake Rivas may read your questions on the show! Follow Jake on Twitter and Facebook @jakestwocents Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.  Actual performance and results will vary. These interviews do not constitute a recommendation as to the suitability of any investment for any person or persons having circumstances similar to those portrayed. Consult a Financial Advisor regarding your specific circumstances. I*financial is located at 1901 NW Military Hwy. STE. 102. San Antonio, TX 78213. Phone number 210-342-4346

Hacking Humans
Physical pen testing: You've got to be able to think on your feet.

Hacking Humans

Play Episode Listen Later Oct 14, 2021 47:10


Guest Marina Ciavatta CEO at Hekate talks with Dave about some of her social engineering and pen testing experiences, Dave's got a story is about getting your family to use a password manager, Joe's story is about NFTs (non-fungible tokens) and scams that have arisen around them, and our Catch of the Day is from listener William and it turns out Dave is in trouble with the IRS again on this one. Links to stories: How to Get Your Family to Actually Use a Password Manager THE NFT SCAMMERS ARE HERE Have a Catch of the Day you'd like to share? Email it to us at hackinghumans@thecyberwire.com or hit us up on Twitter.

Mark Levin Podcast
Mark Levin Audio Rewind - 10/13/21

Mark Levin Podcast

Play Episode Listen Later Oct 14, 2021 113:47


On Wednesday's Mark Levin Show, whether it's COVID, Afghanistan, or the economy, President Biden's speeches have become predictable – he points the finger, says he will fix it with government programs, and then leaves without taking questions. We've had situations in the past but we've never had supply chain issues. The problem with the Biden administration is that there are no pro-growth policies and no economic expansion policies. Biden's aim is to massively spend your taxpayer money and fundamentally alter the economy. Democrats are set on their own American Marxist model, so they attack capitalism and use class warfare to turn one person against another. Later, the Loudoun County school board put out a statement claiming they didn't know that Scott Smith's daughter was raped in a school bathroom. If there was a violent attack in school, it would have definitely been brought to the attention of the board. The Loudoun county superintendent and school board should resign. Also, Janet Yellen doesn't know why you are concerned with the IRS peeking into your bank account. They want every transaction of $600 to be monitored. They're not going to catch tax cheats with a $600 transaction. This is their way to get a foot in the door so they can spy on you. Finally, Bret Baier calls in to discuss his new book, To Rescue the Republic: Ulysses S. Grant, the Fragile Union, and the Crisis of 1876.

Mark Levin Podcast
Mark Levin Audio Rewind - 10/13/21

Mark Levin Podcast

Play Episode Listen Later Oct 14, 2021 113:47


On Wednesday's Mark Levin Show, whether it's COVID, Afghanistan, or the economy, President Biden's speeches have become predictable – he points the finger, says he will fix it with government programs, and then leaves without taking questions. We've had situations in the past but we've never had supply chain issues. The problem with the Biden administration is that there are no pro-growth policies and no economic expansion policies. Biden's aim is to massively spend your taxpayer money and fundamentally alter the economy. Democrats are set on their own American Marxist model, so they attack capitalism and use class warfare to turn one person against another. Later, the Loudoun County school board put out a statement claiming they didn't know that Scott Smith's daughter was raped in a school bathroom. If there was a violent attack in school, it would have definitely been brought to the attention of the board. The Loudoun county superintendent and school board should resign. Also, Janet Yellen doesn't know why you are concerned with the IRS peeking into your bank account. They want every transaction of $600 to be monitored. They're not going to catch tax cheats with a $600 transaction. This is their way to get a foot in the door so they can spy on you. Finally, Bret Baier calls in to discuss his new book, To Rescue the Republic: Ulysses S. Grant, the Fragile Union, and the Crisis of 1876.

The Sarah Sloan Show
123. Southwest Airline Pilots and Gov. Greg Abbott Fight Vaccine Mandates

The Sarah Sloan Show

Play Episode Listen Later Oct 14, 2021 30:42


Sarah and her dear father discuss Texas Governor Greg Abbott fighting the vaccine mandates, the IRS monitoring any bank transaction that is more than $600, and Southwest Airline pilots using their sick days to avoid vaccine mandates. Got any questions for Sarah? Email the show: sarahsloanshow@gmail.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Leland Live
10/13 Leland Live Hour 3: Recapping the Zuckerberg Rigging of the 2020 Election, Let's Go Brandon Bumper Stickers, The IRS Tracking Your Bank Info, How Politicians Are Not Being Held Accountable, and More!

Leland Live

Play Episode Listen Later Oct 13, 2021 36:50


Leland Whaley recaps the book about Mark Zuckerberg rigging the 2020 election, the Let's Go Brandon bumper stickers, the IRS tracking your bank info, how politicians are not being held accountable, and more! See omnystudio.com/listener for privacy information.

Markley, van Camp and Robbins
Markley, van Camp and Robbins | October 13, 2021

Markley, van Camp and Robbins

Play Episode Listen Later Oct 13, 2021 116:14


MVC&R are not threatening anyone, at the moment, but the federal government is threatening states that don't enforce vaccine mandates. President Biden's budget includes over 40 radical programs, but democrats are hoping you don't notice. A Virginia mom who survived a communist takeover, says the same thing is happening here. Speaker Nancy Pelosi admits the IRS is going to spy on your bank account, and a kid asked to announce the start of a speedway race said, “Let's go Brandon!” Middle-class migrants are flying to Mexico, and then crossing the border illegally. Australia has taken it up a notch with their insanity, and President Biden's shared bank accounts with Hunter could make him the target of an FBI probe.

Drew Berquist Live
Joe Biden Could Become A Target of Investigation | Kamala & Pelosi Push Build Back Better | Ep 270

Drew Berquist Live

Play Episode Listen Later Oct 13, 2021 30:28


Nancy Pelosi says that Americans like the new Build Back Better spending plan whether they know it or not. She then slammed the media for not covering it the way she wants it portrayed and says she supports the measure that would allow the IRS to monitor your bank activity. Plus, new Hunter Biden emails may lead to Joe Biden being involved in a money laundering investigation and Kamala Harris is angry for how European settlers discovered America. Help Drew's former Afghan translator, Shafi, get the assistance he needs as he gets settled here in America. https://givesendgo.com/Shafi LIKE & SUBSCRIBE for new videos every day. **Donate directly to Drew and the show and be mentioned as a producer**: https://www.drewberquist.com/support/ Partner Links: Visit our friends at https://www.thinbluelinetv.com/ to get great news commentary and content on our nation's law enforcement community. Show Sponsors and Fan Discounts: My Pillow - Get the best night's sleep of your life and save! Use Promo Code DREW to save up to 66% off your purchase at https://MyPillow.com Mammoth Nation Become a member and save at https://mammothnation.com/ UFM Underwear Visit https://ufmunderwear.com/ and Use Promo Code DREW to receive $6 off! Red Beach Nation Whether you live at the beach, are traveling to one or just want to imagine yourself there…Red Beach's comfy patriotic apparel is sure to lift your spirits. Use promo code DREW and save 10% at https://RedBeachNation.com

Mike Gallagher Podcast
10-13-21 The Mike Gallagher Show Hour 3

Mike Gallagher Podcast

Play Episode Listen Later Oct 13, 2021 37:12


A kid who helped announce start of speedway race says ‘Let's Go Brandon!'. Also, Nancy Pelosi confirmed that the IRS tracking $600 bank account transactions will be included in the reconciliation bill. See omnystudio.com/listener for privacy information.

The Dan Bongino Show
The Daily Mail Blows The Lid Off The Biden Scandal (Ep 1625)

The Dan Bongino Show

Play Episode Listen Later Oct 13, 2021 57:58


Shockingly, the Joe Biden corruption story is getting worse. In this episode I address the growing scandal. I also discuss the disturbing story out of Virginia about a parent of a sexual abuse victim who was targeted by the Biden administration. News Picks: Explosive new details emerge about Biden family activities. Nancy Pelosi doubled down on IRS tracking your bank account.  Can America survive global elites?  Which is more accurate, Say's Law or Keynes? Liberals only want “free” stuff from government if it doesn't involve new taxes. The Nets ban Kyrie Irving from the team until he's vaccinated.  This Soros operative keeps surfacing. Copyright Bongino Inc All Rights Reserved

Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
How an Agency Grew Fast to Over $4 Million and Sold Quick

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

Play Episode Listen Later Oct 13, 2021 20:33


Hollis Carter is an entrepreneur and avid skier who, after founding many companies in his career, recently became the co-founder of the Baby Bathwater Institute, a membership-based community of entrepreneurs with a focus on cultivating natural, mutually beneficial relationships. Since his business relied on many in-person events, it was quite affected by the Covid 19 pandemic and subsequent restrictions. During this time of cancellations and being stuck at home, Hollis thought of a way to add value to the members during this new situation and started to offer a series of services with a performance-based model. This model quickly grew and he ended up selling it before actually having to fully build an agency. In this interview, he talked about the process of building and growing an agency to over $4 million and then selling it, all during a pandemic. 3 Golden Nuggets Growing an agency during Covid. Before the pandemic, Hollis was organizing many in-person events. Once they were canceled because of this new situation, he realized he had a perfect opportunity to offer a new service that would offer value to members of his mastermind. There was already a business relationship and he knew their products and believed in them. So he got ready to work under a performance-based model. “It was really very simple,” he says. The offer included podcast interviews, email lists, and content sites. He spent on setting up all the automation and tracking and found someone to handle that. And of course, under this model he was working with clients, not for them. Simplifying the offer. How can you make things simpler for you? First of all, don't just take a good deal. This agency had the advantage of having a group of companies whose product they trusted. Even then, our guest says, they took people who were so product-focused that we were going to get the content and the angles they needed. People who knew they needed to be told how to market this product. They also let clients use the work they were creating and focused on the 10% that drove revenue. However, there are some things they would do differently a second time around: setting a flat fee and, instead of complicated spreadsheets just telling the client “here's the number that came in, this is our cut,” would save a lot of time. Finally, figuring out how to set expectations of timeline, having a written document with a timeline that the client can reread instead of emailing you questions. Pulling from other industries. Hollis believes in taking knowledge from other industries into your own. He makes sure to have participants from different types of businesses in his masterminds and sustains there's always nuggets that you can pull from other industry practices that might not exist in a niche that you're opening, like what he has learned about hiring from the hotel space. He encourages others to give themselves a chance step outside what they know and learn something new that they can implement in their business from an unexpected source. Sponsors and Resources Ninja Cat: Today's episode is sponsored by Ninja Cat, a digital marketing performance management platform where you can unify your data, create beautiful, insightful reports and presentations that will help you grow your business. Head over to ninjacat.io/masterclass to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM Growing an Agency Fast to Over $4 Million and Selling Quick Jason: [00:00:00] What's up, agency owners? Jason Swenk here. I have another amazing show guest. We're going to talk about how when COVID hit, they formed an agency and ramped it up to over $4 million and sold it, during COVID. So it's a really cool episode and you're going to enjoy my guest. So let's go ahead and get into it. Hey, Hollis. Welcome to the show. Hollis: [00:00:29] Hey, man. Thanks for having me. Jason: [00:00:30] Pleasure to have you on. So for the people that have not heard of you or met you at one of your cool events, tell us who you are and what do you guys do? Hollis: [00:00:39] Yeah. My name is Hollis Carter. Living in Boulder, Colorado, but originally from Georgia, where I kind of got my first start in internet marketing stuff. I was like early in college and built a couple of online businesses and luckily had one that did pretty well and sold that. And then I moved to Colorado and did this skiing thing for a while and, uh, living in the mountains and it was great, but I could only talk about skiing and snowboarding and mountain biking with people. So, I'm now a front ranger living in Boulder and enjoy it and got back in the mix of things. Our main business is called the Baby Bathwater Institute. You've come out to one of our events that we had at out mountain. And, uh, I started, my other businesses based on the thing that I use to learn… Like no one was really teaching relevant stuff in the late nineties, early two thousands. So to do it, I thought let's sit at the bar and a lobby at a conference and got most of my nuggets. And so when we had some free time, me and my now business partner who were lobby con buddies for like a decade… We started hosting these events and the whole idea was curating nice people who are in the grow and scale phase and the actual founders of their business. And in a lot of different industries that we could draw knowledge from different places, less of a kind of echo chamber mastermind of people doing the same thing. Cause there's a lot of value in those, but it's very linear. This was more of organic group meetings to have fun and, um, draw things from other industries and stuff. But we have agency people, we've got guys from hotels, we've got guys from e comm businesses… I guess I say people, not guys, cause we have plenty of girls too. We've been doing it for about eight years and I love it. Compared to the businesses I've done before, it's probably the dumbest business model. Cause it's overhead-intensive, time-intensive, relationship intensive. But I actually like it. So we're doing it for years and we'll probably do it for a very long time and really enjoy it. Jason: [00:02:37] Very cool. And COVID hit you guys really hard because your whole thing is about live experiences and that kind of stuff, uh, which are a lot of fun. And so tell us about like… cause we were talking a couple of weeks ago, you were like, man, I couldn't do these live events and that's really what the membership was for. So we gave all this money back to the members because we couldn't do live events. But I started an agency kind of by accident and it quickly grew. So talk about how did you grow the agency so quick? What did you do? Because a lot of people are looking at going, and I've seen a lot of growth in agencies over during COVID, but yours was really pretty, pretty good. So tell us a little bit more about that. Hollis: [00:03:18] I think it was, it was different because much of it was born out just starting that momentum sort of grew versus sitting with a very particular plan. Where Baby Bathwater came less out of need more out of want, this came out of need. And so there… Also, we are locked in our house and I could stay focused on, cause I wasn't doing… Going to conferences or traveling or doing things. But I think the main frame was okay, just postpone slash canceled, who knows a handful of events. We basically lost about two and a half million bucks in that decision. Which happened before people in the states even believed that this COVID thing was gonna affect us because our president was in Italy. And so we saw it a little early. We knew we didn't want to let people go. There was no PPP stuff yet. And me and my partner, Michael, we always knew we could always fall back on our marketing skills, which is kind of what got us to a place to even know what people wanted from a mastermind. So our personal interests has been in the health and wellness sort of space. We see lots of stuff that's crap. And we see lots of stuff that's good. And we happened to know a few people who have amazing products that are members. But they're product guys, they're not marketing people at all. And so we kind of went in with the thesis of how do we enhance the people who are already members value and we can't do anything for 'em, but also don't run any risk of screwing up the relationship if we get in bed with them and do something different than what we already have a good relationship with. So, I mean, it basically started with four products. I knew we had people in the group who had platforms. That love the products, cause they give them out at events. They love them. And I know they have a lot of traffic and I knew these people have great products. Didn't even know what I'm talking about. Like you should just set up this campaign and get them on the podcast and set up an email. You can track it with affiliate links… And all like, can you just do that for me? Kind of thing. So, I mean, it was actually super, super simple. Essentially, out of a network license for post affiliate pro so that we could track all of the clicks and conversions and build it very slowly, not a lot of overhead. It costed maybe like five grand or something we spent getting set up and all that automation and tracking. We did have a really hard time finding someone to help us run that once it worked. We ended up finding the guy who made the tutorial videos for the original version of it and tracked him down. And it was the first hire because it was complicated and how he set up the company structure. But the basics of it was we had people get podcast, email lists and content sites. I mean, people have great products that had a unique hook. It couldn't just be like, like we did have a CBD, which is a crowded market with a bunch of people at all look the same. But this had clinical trials, some studies, so I could go get functional medicine doctors to say something unique about it and they could write a real piece of content. So really we just took the friction out of the middle, which was, it's hard for the product owners to focus on these things that are ancillary. Then buy an ad that are not doing very diligent tasks that can scale these like one-off promotions and managing people is hectic. Like if I had a brand, I wouldn't want to do stuff we were doing because I know the costliness of managing all these relationships and getting it on the calendar and getting all the stuff they need. But in our unique situation, we had time. We… the money. We wanted to serve the people who we wanted to have back when things came back online. And so it made sense to keep calling them chatting and working it out and figuring it out. So our deal is that we took... it's very minimal, it's just an average, about 10% of the revenue for 12 months of the customer. And we would do a, you know, a multi-tiered campaign where, you know, perhaps the person to get on a podcast and do an interview about the product that was very educational and content-heavy. So it didn't just come out of the blue of this promotion. It was like ease into with good questions and then we'd do an article. And then eventually kind of like an email with a special offer and a landing page just for that person. And like something I've been back in early on was when one big person promotes the rest. So we usually just go for, you know, one or two people we have a good relationship that have a big audience and then their affiliates would see it happen. And we'd get a few more of those. But we did, because it was so hands-on, mess around with people who could send, you know, thousands and thousands and thousands of clicks and had an audience that already trusted them. So very boutique, very niche, but where it worked, very effective. I'd say the biggest bottleneck was calendars. You could lock in a deal and they might not have three months so they could do it. But we hit a point where we were going to have to start hiring more people, we had a tech guy, an administrative helper in an industry that me and Michael were putting together. Then we hired someone to go start recruiting more promoters, and then we need to start hiring writers and creatives. At that point, we actually ended up selling the business so that we didn't have to build an agency. The hard part of building an agency, managing the creatives, training, we never really hit that point. Although it looks like I'll go back to the trough and do it again. But I mean, really it was about that simple. It was like performance-based so we couldn't mess up relationships. And also we didn't want anyone to ever tell us, hey, you have to do this for me. Uh, it usually mostly came from the merchants with the products. They'd be like, hey, where are the traffic? And we're like, hey, we don't, we don't work for you. We're not on a retainer, but it's coming, it's coming. Then we'll get paid. Well, we only get paid when we make sales. So that helped us not get stress out. Jason: [00:09:32] Do you feel like you have to comb through mountains of data, jumping between multiple platforms to spreadsheets, to slide decks and backing in, in order to create performance reports for your clients? It's a constant drain on your agency's time and resources. And that's where our friends at Ninja Cat can help. Ninja Cat is a digital marketing performance management platform that really unifies your marketing data and empowers your agency to automate insightful, beautiful client reports that scale. Now Ninja Cat cat keeps your marketing performance and presentation tools in one place, freeing you up from manual data wrangling. And it really gives your team more time to focus on strategy and growing your business. And for a limited time, my smart agency podcast listeners will receive $500 ninja credit. When you go to ninjacat.io/masterclass to claim your offer and schedule a demo. That's ninjacat.io/masterclass. Yeah, I see a lot of people going the performance route. You know, one of our mastermind members, David, he was always constantly under the million mark and just trying to figure out how to get over it. And he switched to this model and got a million dollars last year during COVID, just from one client for the performance deal. Kind of like what you guys are doing, or you guys did or about to do again. I guess we can talk about that. But I liked how, when you're the performance model, they can't tell you what you can and can't do, or a timeline. You're just like, I'm putting a campaign together on our own dime, our own resources. This is what you're agreed to pay. I really like that. But I also like too, that, you know, this is a home run. Like it's a good product. I want people to not kind of overlook that and just don't go up to anybody and go give me 10% of all your sales. And plus too, you guys had relationships with them so you knew you could trust them. Because it gets really tricky sometimes when you're like, yeah, give me 10% of sales and they could the books however they want. Hollis: [00:11:54] Yes. So that was an interesting piece of... The one thing that I guess is there is we did have these relationships we've built over almost 20 years now. Which, if you just do it on the street, we couldn't start from scratch with that. So that was like our one… competitively used to do something here, but the book side of things, we actually knew how bad that can get. So we control that this was a bottleneck and business model, as far as administration and just workload. I kept everything clean, but we were starting to get super risky. So we invoiced the merchant for the payments and wrote to the affiliates. We did everything. So we essentially became a bank taking the money, moving the money versus paying out of their own affiliate program. It started to get pretty hectic. You get one monthly payment. We're trying to keep the relationships paying on time. We never ran into any issues, but you could see it coming as things got more complex. Jason: [00:12:52] Well, I'm sure the IRS probably set up red flags of all the money moving around. Hollis: [00:12:57] Oh, it was crazy that was passing through and yeah… And so like in hindsight, if we do this again, won't do the complicated equation where we have 12 months tail customer. We also calculated a refund risk thing. You know, now it's going to be one time upfront with a small fee for us that continues, but like the calculating the refund piece to try to mitigate risks. Like I think we went into it wanting to be like a no-brainer where it's like, hey, we've taken all the risks where X, Y, and Z, that you won't have to do anything for. Our contract is like the nicest thing in the world. If this was the only thing we were doing, and we were focused on it that thing would have sort of bit us in the ass, as it started to grow. But it worked well. It was boutique small. And we only did this from March to October. So it was like a significant period of time, but you can see all the forethought we didn't put into it with, oh man, the amount of time to calculate these things if I would've... There's a bunch of things we do if we really want to scale it simpler. If we do this again, you know. Jason: [00:14:05] What are some of the other things that you do simpler. Because most people listening here, this is their full-time gig. They weren't just looking at like, well, let's just try this project out, which that's really pretty cool that you guys are able to do that. Hollis: [00:14:19] Yeah. I think, you know… fed the horse because we had all the relationships and we knew this I'd stayed up drinking wine with every person in the thing all night. I knew we could do well with good products, which you highlighted, is like products that kind of sell themselves. And then the owner of those products, I think this is the simplest thing is don't just take a good deal. We only took people who were so product-focused that we were going to get the content and the angles we needed. All they cared about is being the best. But they didn't care about was telling us how to market it, that they actually wanted us to tell them. They would use the campaigns to inform all of the rest of their staff. One thing we did do well and make it easy was, hey, use the work we're creating. We don't need any cut of it. You can take our landing pages, reuse them. If you get your own affiliates, you can run them through your program. You know, just do that. Cause we only focused on that 10% that drove our revenue. The things we probably would have done different or not such a complicated calculation of the things. I remember when I first started in some of the affiliate stuff, people would hold back a percentage for refunds. There was like a whole equation. But we made everything else so simple for them. We didn't need to go, that… We could have just said here's a flat fee. Here's a number. Honestly, it would have saved one employee 40 hours a month in weird stuff. And in places where ambiguity… where also the customer on both sides has to read a spreadsheet that's complicated versus like here's the number that came in and here is the cut… over. I think simplicity would have helped a lot in that sense. And then other simplicity things, I think just figuring out how to set expectations of timeline. Even though we didn't work for those people, said it on the phone, in the conversations of like, hey, we might get a campaign locked in that's going to be out this far. But then they get in their own world. Like, where's the stuff? And I'm like, no, we already told you this. And so, one outline. Here's how this works, one the phone. Before you email me any questions, reread this. This is the rules of engagement and how it works. But that I would say once it worked and had momentum, changing the relationships from I work for you to we work together changed the whole dynamic of it versus, you know, just collecting a flat fee. Jason: [00:16:49] Yeah. I love that of like we work together rather than you're the dog barking orders to me. And even if you don't do a performance model. Hollis: [00:16:58] Yeah. It feels like you kind of got to do that sometimes. Cause I feel like that's how we like learned. If you worked in a restaurant going up or we… Whatever, like that's how it was. When you're getting paid, you just got to say yes, please, and as you wish. Which honestly doesn't even serve the client that well. Sometimes you're doing shit that they don't even need to get done. They just wanted to show that they tell you to do something. But we're only going to focus on brings in dollars. It doesn't bog down either of our teams. And that's why we switched the contract that you can leave whenever you want. You know, the psychology there was great because it was like, we're paying equally versus that, you know, walked into some long retainer and some big set up fees and things like that. Obviously you have to have some results for that to be worth it, um, for the relationship to stay. But if you know you can deliver on it, then it's probably better to be in a, a mutual relationship where either party can leave in 30 days notice versus trying to lock in really long-term deals. Jason: [00:17:58] Yeah, exactly. Well, awesome. Well, this is amazing, Hollis. Is there anything I didn't ask you that you think would benefit the audience listening in? Hollis: [00:18:05] Listen, I mean, it's funny just because it's a friend of mine that just got off a call with one of our members who, who set them up on like a little dinner in the same town. And I forget the book references basically it's about taking knowledge from other industries and bringing them into your own. So what I saw was great was a lot of the product companies who were here like some of them were in retail and other things. They just didn't know how to pull stuff from other areas. There's always like these levers that you can pull from other industry practices that might not exist in a niche that you're opening that you're trying to mark it as that in. And so I was really, all we did was just start reaching into other tools that there's no way they're ever going to get to this. So obviously we can take over this part for them and we're not also dealing with the dynamics. So there's someone in the house already being paid to do this or anything like that. It's pretty clean that way. But I think we just learned that from sitting in these events from people like, you know, we have some hiring stuff we've learned from guys in the hotel space, which I never would have thought to learn that until I sat into that at one of these events or whatever. So I've never seen through blinders. Like it's good to be focused and linear, but I think there's just so many cool nuggets in different industries you can pull and bring in that we all just kind of forget to take a glance at. Jason: [00:19:30] Awesome. Well, cool. Well, what's a website people go and check you guys out? Hollis: [00:19:35] Just babybathwater.com. Jason: [00:19:37] Awesome. Well, thanks so much for coming on the show. If you guys enjoyed this episode, make sure you go to their website. They have really cool events. I went to the one in, in Utah. And it was really pretty amazing. And if you guys want to really grow and scale your agency faster, what got you here is not going to get you to the next level and you need to do a number of different things. Because probably what got you to this level is from referrals and word of mouth, or maybe you selling, or maybe one salesperson. The biggest thing that you need is systems in place in order to grow and scale faster and get to the point where you can pick and choose. If you want to do that, I want you guys to check out our agency playbook. Go to jasonswenk.com/playbook and check it out. And it might just be the thing that will get you to the next level. So go do that now. And until next time, have a Swenk day.

He Said She Said the Money Guide Podcast
Captain Kirk in Space (Episode 128)

He Said She Said the Money Guide Podcast

Play Episode Listen Later Oct 13, 2021 31:27


William Shatner is heading to space at age 90, supply issues are causing issues in the economy (and delaying Jay's car repair).  Plus Varsity Blues trials, low appraisals causing problems with home sales and refinancing.  Plus plus expansion of loan forgiveness, Allstate/Big Brother is watching you drive and yes, more talk about Bitcoin.

The Shaun Thompson Show
October 12, 2021

The Shaun Thompson Show

Play Episode Listen Later Oct 13, 2021 100:56


Pelosi admonishes the media for not "selling" the infrastructure bill to Americans. Then, Steven Leahy, IRS Resolution Attorney and host of WIND's IRS Radio Hour joins Shaun to outline what the Democrats' IRS plans mean for our listeners. Plus, Billy Binion, Assistant Editor at Reason joins Shaun to discuss how Nikole Hannah-Jones of the New York Times supports school choice even if she doesn't realize it!  See omnystudio.com/listener for privacy information.

Marketplace All-in-One
How a Nobel Prize winner challenged some common economic thinking

Marketplace All-in-One

Play Episode Listen Later Oct 12, 2021 8:08


Nobel Prize-winning economist David Card joins us to discuss his research into minimum wage, along with the application of other Econ 101 theories in real-world settings.  Also today: We also look into those confusing letters from the IRS that tell you that you’ve made a mistake.

Marketplace Morning Report
How a Nobel Prize winner challenged some common economic thinking

Marketplace Morning Report

Play Episode Listen Later Oct 12, 2021 8:08


Nobel Prize-winning economist David Card joins us to discuss his research into minimum wage, along with the application of other Econ 101 theories in real-world settings.  Also today: We also look into those confusing letters from the IRS that tell you that you’ve made a mistake.

Multifamily Legacy Podcast
184: Why You Should Be Using Cost Segregation

Multifamily Legacy Podcast

Play Episode Listen Later Oct 12, 2021 41:58


If you're buying and holding properties, but not using cost segregation, you're really missing out. In this episode, Joseph Viery explains the tax strategy that every successful real estate investor is using. Dial-in and learn the correct way NOT to pay taxes.   Topics on Today's Episode What does cost segregation mean? Property owners who should do a cost segregation How much you'll pay for depreciation recapture if you do cost segregation? What you should be looking for in a cost segregation company? Cases where cost segregation isn't useful   About Joseph Viery Joseph Viery is the Principal at US Tax Advisors Group, Inc (USTAGI). As a Cost Segregation Professional, he has helped property owners defer or eliminate millions of dollars in income taxes by leveraging IRS compliant cost segregation studies. Since becoming a CSP in 2008, Joseph has performed thousands of Cost Segregation studies for clients in various industries ranging from $500,000,000 commercial properties to $50,000 single-family residences. He has also been able to bridge the gap for the independent residential real estate investor by providing an affordable modeling approach.   Connect with Joseph Website: www.ustaginc.com   Quotes ‘'In real estate, you can make a lot of money, and pay no taxes if you do it right. '' - Corey Peterson ‘'We don't care what your building is worth, we care about what you paid for it. '' - Joseph Viery   Don't forget to download my Free Workshop Quick Start Video Series, and if you like what you have heard please leave a review on iTunes.