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

Magazine d'actualitat amb entrevistes i reportatges sobre la ciutat. Inclou espais fixos amb la col.laboració d'entitats, organismes públics i professionals lliberals. posatpiles@hotmail.com podcast recorded with enacast.com

Magazine d'actualitat amb entrevistes i reportatges sobre la ciutat. Inclou espais fixos amb la col.laboració d'entitats, organismes públics i professionals lliberals. posatpiles@hotmail.com podcast recorded with enacast.com

On this week's podcast, Bob talks about his conversation with the people at the Trust for Public Land, and what he learned about the ParkScore ranking system. What he found was that a lot of what we have been told by local officials may not have been entirely accurate (and much of it was...).  Kevin talks about why piling rocks on trails is not acceptable in almost all situations.  Bob has a wildflower photography workshop this weekend in the Garden of the Gods.   Trust for Public Lands ParkScore: https://www.tpl.org/city/colorado-springs-colorado https://www.tpl.org/2022-city-park-facts https://www.tpl.org/parkscore/rankings Bob's Wildflower Photography workshop at the Garden of the Gods: https://bit.ly/3HnmCEQ This podcast sponsored by the realtors at Springs Homes. (www.Springshomes.com) Please consider becoming a patron of this podcast! Visit: https://www.patreon.com/hikingbob for more information Hiking Bob website: www.HikingBob.com Wild Westendorf website: www.Wildwestendorf.com Where to listen, download and subscribe to this podcast: https://pod.link/outdoorswithhikingbob

Snuggle in tight. On a bed of needles. I make me wait. Ignore the pain and discomfort. Piles of used needles on your bed. Lay down gently as it will poke. Don't move around too much. I only love my bed and myself I'm sorry. Enough people doing good. Like: everything you can imagine. I'm excited it's a shopping spree! There is no budget when it comes to empowering humanity. All the good that can happen. Without a god or a weapon. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Xavi Torres explica una not

One more person piles on Trey Lance after just 10 total quarters of work in the NFL. Did people forget how other great QBs' careers started? Learn more about your ad choices. Visit podcastchoices.com/adchoices

1.2 Million Piles Of Dirt - 05-29-22 PM - Bro Ron Krantz

"Your inaction is making my daily life uncomfortable" and other divorce prompts. 

Magazine d'actualitat amb entrevistes i reportatges sobre la ciutat. Inclou espais fixos amb la col.laboració d'entitats, organismes públics i professionals lliberals. posatpiles@hotmail.com podcast recorded with enacast.com

The wildfires are out… now it's all about the insurance. What every homeowner in San Diego needs to know! Lou checks in with California Insurance Commissioner, Michael Soller. And California has an amazing budget surplus. Will the taxpayers get some refunds? Lou talks with gubernatorial candidate, Senator Brian Dahle.

 The Monologue: House of Representatives to give staff free Peloton memberships, costing taxpayers // The Interview: State Rep. Jessie Young (R Gig Harbor) reacts to the news that Bellingham City Council is canceling the Pledge of Allegiance at their meetings //  The Monologue: Rep. Cammack on Pictures of Piles of Baby Formula at the Border: ‘This Is Exactly What America Last Looks Like' // The Interview: Ben Garcia (WA 4 Candidate) explains how he hopes to stand out in a crowded race //  LongForm: Matt Larkin discusses how Roe v Wade will impact the WA 08 Race //The Quick Hit:  More churches step up, offer to sponsor Tiny House Villages to help homeless // The Last Rantz: See omnystudio.com/listener for privacy information.

Facebook Has No Idea Where Your Data Is and What They Do With It?! Facebook's about 18 years old coming on 20 Facebook has a lot of data. How much stuff have you given Facebook? Did you fall victim for that? Hey, upload your contacts. We'll find your friends. They don't know where your data is. [Following is an automated transcript] [00:00:15] This whole thing with Facebook has exploded here lately. [00:00:20] There is an article that had appeared on a line from our friends over at, I think it was, yeah. Let me see here. Yeah. Yeah. Motherboard. I was right. And motherboards reporting that Facebook doesn't know what it does with your data or. It goes, no, there's always a lot of rumors about different companies and particularly when they're big company and the news headlines are grabbing your attention and certainly Facebook can be one of those companies. [00:00:57] So where did motherboard get this opinion about Facebook? Just being completely clueless about your personal. It tamed from a leaked document. Yeah, exactly. So we find out a lot of stuff like that. I used to follow a website about companies that were going to go under and they posted internal memos. [00:01:23] It basically got sued out of existence, but there's no way that Facebook is going to be able to Sue this one out of existence because they are describing this as. Internally as a tsunami of privacy regulations all over the world. So Gores, if you're older, we used to call those tidal waves, but think of what the implication there is of a tsunami coming in and just overwhelming everything. [00:01:53] So Facebook, internally, their engineers are trying to figure out, okay. So how do we deal with. People's personal data. It's not categorized in ways that regulators want to control it. Now there's a huge problem right there. You've got third party data. You've got first party data. You've got sensitive categories, data. [00:02:16] They might know what religion you are, what your persuasions are in various different ways. There's a lot of things they might know about you. How were they all cat categorize now we've got the European union. With their general data protection regulation. The GDPR we talked about when it came into effect back in 2018, and I've helped a few companies to comply with that. [00:02:41] That's not my specialty. My specialty is the cybersecurity. But in article five this year, peon law mandates that personal data must be collected for specified explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes. So what that means is that every piece of data, like where you are using Facebook or your religious orientation, Can only be collected in use for a specific purpose and not reused for another purpose. [00:03:19] As an example here, that vice has given in past Facebook, took the phone number that users provided to protect their accounts with two factor authentication and fed it to its people, feature as well as. Advertisers. Yeah. Interesting. Hey, so Gizmodo with the help of academic researchers caught Facebook doing this, and eventually the company had to stop the practice because, and this goes back to the earlier days where Facebook would say, Hey, find out if your friends are on Facebook, upload your contacts right now. [00:03:54] And most people. What did you know back then about trying to keep your data private, to try and stop the proliferation of information about you online then nothing. I think I probably even uploaded it back then thinking it'd be nice to see if I got friends here. We can start chatting, et cetera. [00:04:12] According to legal experts that were interviewed by motherboard who wrote this article and has a copy of the internal memo this year, PN regulation specifically prohibits that kind of repurposing of your phone number of trying to put together the social graph and the leaked document shows that Facebook may not even have the ability to live. [00:04:37] How it handles user's data. Now I was on a number of radio stations this week, talking about this. And the example I gave is just look at an average business from the time it start, Facebook started how right? Wildly scraping pictures of young women off of Harvard university. Main catalog, contact page, and then asking people what do you think of this? This person, that person. And off they go, trying to rate them. Yeah. Yeah. All that matters to a woman, at least to Courtney, to mark Zuckerberg girl, all the matters about a woman is how she looks. Do I think she's pretty or not? [00:05:15] It's ridiculous. What he was doing. It just, oh, that's zackerburg who he is not a great guy anyways. So you go from stealing pictures of young ladies asking people to rate them, putting together some class information and stuff there at Harvard, and then moving on to other universities and then open it up even wider and wider. [00:05:42] And of course, that also created demand because you can't get on. If you're not at one of the universities that we have set it up for. And then you continue to grow. You're adding these universities, certainly starting to collect data and you are making more money than God. So what do you do? You don't have to worry about any efficiencies. [00:06:02] I'll tell you that. Right? One thing you don't have to do is worry about gee. We've got a lot of redundant work going on here. We've got a lot of teams working on basically the same thing. No, you've got more money than you can possibly shake a stick at. So now you go ahead and send that money to this group or that group. [00:06:24] And they put together all of the basic information, that they want. Pulling it out of this database and that database in there doing some correlation, writing some really cool CQL queries with mem credible joins and everything else. And now that becomes part of the main code for Facebook. [00:06:45] And then Facebook goes on to the next little project and they do the same thing. Then the next project, then the next project. And then someone comes along and says, Hey, we. This feature, that feature for advertisers and then in that goes, and then along comes candidate Obama. And they, one of the groups inside Facebook says, yeah here we go. [00:07:09] Here's all of the information we have about everybody and it's free. Don't worry about it. And then when Trump actually bought it and hired a company to try and process some of that information he got in trouble. No but the. The whole campaign could get access to anything they wanted to, again, because the data wasn't controlled, they had no idea who was doing what with the data. [00:07:34] And according to this internal memo, they still don't know. They don't even know if they can possibly comply with these regulations, not just in Europe, but we have regulations in pretty much all of the 50 states in the U S Canada of course, has their own Australia and New Zealand think about all the places. [00:07:57] Facebook makes a lot of. So here's a quote from that we build systems with open borders. The result of these open systems and open culture is well-described with an analogy. Imagine you hold a bottle of ink in your hand, the bottle of ink is a mixture of all kinds of user data. You pour that ink into a lake of water and K and it flows every year. [00:08:22] The document read. So how do you put that ink back in the bottle? I, in the right bottle, how do you organize it again? So that it only flows to the allowed places in the lake? They're totally right about that. Where did they collect it from? Apparently they don't even know where they got some of this information. [00:08:43] This data from reminds me of the no fly list. You don't know you're on it and you can't get yourself off of it. It's crazy. So this document that we're talking about, it was written last year by. Privacy engineers on the ad and business product team, whose mission is to make meaningful connections between people and businesses and which quote sits at the center of our monetization strategy. [00:09:06] And is the engine that powers Facebook's growth. Interesting. Interesting problems. And I see this being a problem well into the future for more and more of these companies, look at Twitter as an example that we've all heard about a lot lately. And then I've talked about as well along comes Elon Musk and he says wait a minute. [00:09:29] I can make Twitter way more profitable. We're going to get rid of however many people over a thousand, and then we are going to hire more people. We're going to start charging. We're going to be more efficient. You can bet all of these redundancies that are in Facebook are also there. And Twitter also has to comply with all of these regulations that Facebook is freaking out about it for a really a very good reason. [00:10:00] So this document is available to anybody who wants to look at it. I'm looking at it right now, talking about regulatory landscape and the fundamental problems Facebook's data lake. And this is a problem that most companies have not. As bad as Facebook does the button. Most companies you write, you grow. I have yet to walk into a business that needs help with cybersecurity and find everything in place as it should be because it grew organically. [00:10:32] Do you started out with a little consumer firewall router, wifi, and then you added to it and you put a switch here and you added another switch behind that and move things around. This is normal. This is not total incompetence on the part of the management, but my gosh, I don't know. Maybe they need an Elon Musk. [00:10:52] Just straighten them out as well. Hey, stick around. I'll be right back and sign up online@craigpeterson.com. [00:11:02] Apparently looting is one of the benefits of being a Russian soldier. And according to the reports coming out of Ukraine, they've been doing it a lot, but there's a tech angle on here that is really turning the tables on these Russian Looters. [00:11:19] We know in wars, there are people that loot and typically the various militaries try and make sure, at least recently that looting is kept to an absolute minimum. [00:11:32] Certainly the Americans, the British, even the Nazis during world war II the the socialists they're in. Germany they tried to stop some of the looting that was going on. I think that's probably a very good thing, because what you end up with is just all of these locals that are just totally upset with you. [00:11:57] I found a great article on the guardian and there's a village. I hadn't been occupied for about a month by Russian troops and the people came back. They are just shocked to see what happened in there. Giving a few examples of different towns. They found that the alcohol was stolen and they left empty bottles behind food wrappers, cigarette butts, thrown all over the place in apartments in the home. [00:12:26] Piles of feces blocking the toilets, family photographs torn, thrown around the house. They took away all of the closes as a code from one of the people, literally everything, male and female coats, boots, shirts, jackets, even my dresses and laundry. This is really something. The Sylvia's didn't do this, but now Russia. [00:12:49] The military apparently does. So over the past couple of weeks, there have been reporting from numerous places where Russian troops had occupied Ukrainian territory and the guardian, which is this UK newspaper collected evidence to suggest looting by Russian forces was not merely a case of a few way, word soldiers, but a systematic part of Russian military behavior across multiple towns. [00:13:17] And villages. That's absolutely amazing. Another quote here, people saw the Russian soldiers loading everything onto your old trucks. Everything they could get their hands on a dozen houses on the villages. Main street had been looted as well as the shops. Other villagers reported losing washing machines, food laptops, even as sofa, air conditioner. [00:13:41] Being shipped back, just you might use ups here or they have their equivalent over there. A lady here who was the head teacher in the school, she came back in, of course, found her home looted and in the head teacher's office. She found an open pair of scissors that had been jammed into a plasma screen that was left behind because if they can't steal it, they're going to destroy it. [00:14:07] They don't wanna leave anything behind. They found the Russian to take in most of the computers, the projectors and other electronic equipment. It's incredible. So let's talk about the turnaround here. You might've heard stories about some of these bad guys that have smashed and grabbed their way into apple stores. [00:14:27] So they get into the apple store. They grab laptops on iPads, no longer iPods, because they don't make those anymore. And I phone. And they take them and they run with them. Nowadays there's not a whole lot of use for those. Now what they have been doing, some of these bad guys is they'd take some parts and use them in stolen equipment. [00:14:52] They sell them on the used market, et cetera. But when you're talking about something specific, like an iPhone that needs specific activation. Completely different problem arises for these guys because that iPhone needs to have a SIM card in order to get onto the cell network. And it also has built in serial numbers. [00:15:15] So what happens in those cases while apple goes ahead and disables them. So as soon as they connect to the internet, they didn't say they put them on wifi. They don't get a SIM card. They don't. Service from T-Mobile or Verizon or whoever it might be. So now they just connect to the wifi and it calls home. [00:15:33] Cause it's going to get updates and download stuff from the app store and they find that it's been bricked. Now you can do that with a lot of mobile device managers that are available for. All kinds of equipment nowadays, but certainly apple equipment where if a phone is lost or stolen or a laptop or other pieces of equipment, you can get on the MDM and disable it, have it remotely erase, et cetera. [00:16:00] Now, please have had some interesting problems with that. Because a bad guy might go ahead and erase a smartphone. That's in the evidence locker at the police station. So they're doing things like putting them into Faraday cages or static bags or other things to try and stop that. So I think we've established here that the higher tech equipment is pretty well protected. [00:16:25] You steal it. It's not going to do you much. Good. So one of the things the Russian stole when they were in a it's called a, I think you pronounced. Melad Mellott DePaul which is again, a Ukrainian city is they stole all of the equipment from a farm equipment dealership and shipped it to check. Now that's according to a source in a businessman in the area that CNN is reporting on. [00:16:56] So they shipped this equipment. We're talking about combine harvesters were 300 grand a piece. They shipped it 700 miles. And the thieves were ultimately unable to use the equipment because it had been locked remotely. So think about agriculture equipment that John Deere, in this case, these pieces of equipment, they, they drive themselves. [00:17:23] It's atonomous it goes up and down the field. Goes to any pattern that you want to it'll bring itself within a foot or an inch of your boundaries, of your property being very efficient the whole time, whether it's planting or harvesting, et cetera. And that's just a phenomenal thing because it saves so much time for the farmer makes it easier to do the companies like John Deere. [00:17:49] Want to sell as many pieces of this equipment as they possibly can. And farming is known to be a what not terribly profitable business. And certainly isn't like Facebook. So how can they get this expensive equipment into the hands of a lot of farmers? What they do is they use. So you can lease the equipment through leasing company or maybe directly from the manufacturer and now you're off and running. [00:18:16] But what happens if the lease isn't paid now? It's one thing. If you don't pay your lease on a $2,000 laptop, right? They're probably not going to come hunting for you, but when you're talking about a $300,000 harvester, they're more interested. So the leasing company. Has titled to the equipment and the leasing company can shut it off remotely. [00:18:41] You see where I'm going with this so that they can get their equipment in the hands of more farmers because the farmers can lease it. It costs them less. They don't have to have a big cash payment. You see how this all works. So when the Russian forces stole this equipment, that's valued, total value here is about $5 million. [00:19:02] They were able to shut it all off. And th the, obviously if you can't start the engine, because it's all shut off and it's all run by computers nowadays, and there's pros and cons to that. I think there's a lot of cons, but what are you going to do? How's that going to work for? Isn't going to work for you. [00:19:22] And they were able to track it and had GPS trackers find out exactly where it was. That's how they know it was Tara taken to Chechnya and could be controlled remotely. And in this case, how did they control it? They completely. Shut it off, even if they sell the harvesters for spare parts to learn some money, but they sure aren't gonna be able to sell them for the 300 grand that they were actually worth. [00:19:48] Hey, stick around. We'll be right back and visit me online@craigpeterson.com. If you sign up there, you'll be able to get my insider show notes. And every week I have a quick. Training right there. New emails, Craig Peterson.com. [00:20:05] If you've been worried about ransomware, you are right to worry. It's up. It's costly. And we're going to talk about that right now. What are the stats? What can you do? What happens if you do get hacked? Interesting world! [00:20:20] Ransomware has been a very long running problem. I remember a client of ours, a car dealership who we had gone in. [00:20:31] We had improved all of their systems and their security, and one of them. People who was actually a senior manager, ended up downloading a piece of ransomware, one of these encrypted ones and opened it up and his machine all of a sudden, guess what it had ransomware on it. One of those big. Green's that say, pay up and send us this much Bitcoin, and here's our address. [00:21:00] All of that sort of stuff. And he called us up and said, what's going on here? What happened? First of all, don't bring your own machine into the office. Secondly, don't open up as particularly encrypted files using a password that they gave. And thirdly, we stopped it automatically. It did not spread. [00:21:20] We were able to completely restore his computer. Now let's consider here the consequences of what happened. So he obviously was scared. And within a matter of a couple of hours, we actually had him back to where he was and it didn't spread. So the consequences there, they weren't that bad. But how about if it had gotten worse? [00:21:47] How about if the ransomware. Also before it started holding his computer ransom, went out and found all of the data about their customers. What do you think an auto dealership would love to hear that all of their customer data was stolen and released all of the personal data of all of their customers? [00:22:08] Obviously not. So there's a potential cost there. And then how long do you think it would take a normal company? That thinks they have backups to get back online. All I can tell you it'll take quite a while because the biggest problem is most backups don't work. We have yet to go into a business that was actually doing backups that would work to help restore them. [00:22:35] And if you're interested, I can send you, I've got something I wrote up. Be glad to email it back to you. Obviously as usual, no charge. And you'll be able to go into that and figure out what you should do. Cause I, I break it down into the different types of backups and why you might want to use them or why you might not want to use them, but ransomware. [00:22:58] Is a kind of a pernicious nasty little thing, particularly nowadays, because it's to two factor, first is they've encrypted your data. You can't get to it. And then the second side of that is okay I can't get to my data and now they're threatening to hold my data ransom or they'll release. So they'll put it out there. [00:23:22] And of course, if you're in a regulated industry, which actually car dealers are because they deal with financial transactions, leases, loans, that sort of thing you can lose your license for your business. You can, you lose your ability to go ahead and frankly make loans and work with financial companies and financial instruments. [00:23:45] It could be a very big. So there are a lot of potential things that can happen all the way from losing your reputation as a business or an individual losing all of the money in your operating account. And again, we've got a client that we picked up afterwards. That yes, indeed. That lost all of the money in their operating account. [00:24:09] And then how do you make payroll? How do you do things? There's a new study that came out from checkpoint. Checkpoint is one of the original firewall companies and they had a look at ransomware. What are the costs of ransomware? Now bottom line, I'm looking at some stats here on a couple of different sites. [00:24:29] One is by the way, Conti, which is a big ransomware gang that also got hacked after they said we are going to attack anyone. That doesn't defend Plaid's invasion of Ukraine, and then they got hacked and their information was released, but here's ransomware statistics. This is from cloud words. First of all, the largest ransom demand is $50 million. [00:24:55] And that was in 2021 to Acer big computer company. 37% of businesses were hit by ransomware. In 2021. This is amazing. They're expecting by 2031. So in about a decade, ransomware is going to be costing about $265 billion a year. Now on average. Ransomware costs businesses. 1.8, $5 million to recover from an attack. [00:25:25] Now that's obviously not a one or two person place, but think of the car dealer again, how much money are they going to make over the year or over the life of the business? If you're a car dealer, you have a license to print money, right? You're selling car model or cars from manufacturers. And now you have the right to do that and they can remove that. [00:25:48] How many tens, hundreds of millions of dollars might that end up costing you? Yeah. Big deal. Total cost of ransomware last year, $20 billion. Now these are the interesting statistics here right now. So pay closer attention to this 32% of ransomware victims paid a ransom. So about a third Peter ransom demand. [00:26:12] Lastly. It's actually down because my recollection is it used to be about 50% would pay a ransom. Now on average that one third of victims that paid a ransom only recovered 65% of their data. Now that differs from a number I've been using from the FBI. That's a little bit older that was saying it ends it a little better than 50%, but 65% of pain victims recovered their. [00:26:41] Now isn't that absolutely amazing. Now 57% of companies were able to recover their data, using a cloud backup. Now think about the different types of backup cloud backup is something that can work pretty well if you're a home user, but how long did it take for your system to get back? Probably took weeks, right? [00:27:05] For a regular computer over a regular internet line. Now restoring from backups is going to be faster because your downlink is usually faster than your uplink. That's not true for businesses that have real internet service like ours. It's the same bandwidth up as it is down. But it can take again, days or weeks to try and recover your machine. [00:27:28] So it's very expensive. And I wish I had more time to go into this, but looking at the costs here and the fact that insurance companies are no longer paying out for a lot of these ransomware attacks, it could be credibly expensive for you incredibly. The number one business types by industry for ransomware attacks, retail. [00:27:59] That makes sense. Doesn't it. Real estate. Electrical contractors, law firms and wholesale building materials. Isn't that interesting? And that's probably because none of these people are really aware or conscious of doing what a, of keeping their data secure of having a good it team, a good it department. [00:28:24] So there's your bottom line. Those are the guys that are getting hit. The most, the numbers are increasing dramatically and your costs are not just in the money. You might pay as a ransom. And as it turns out in pretty much every case prevention. Is less expensive and much better than the cure of trying to pay ransom or trying to restore from backups. [00:28:52] Hey, you're listening to Craig Peterson. You can get my weekly show notes by just going to craig peterson.com. [00:29:00] You and I have talked about passwords before the way to generate them and how important they are. We'll go over that again a little bit in just a second, but there's a new standard out there that will eliminate the need for passwords. [00:29:16] Passwords are a necessary evil, at least they have been forever. I remember, I think the only system I've ever really used that did not require passwords was the IBM 360. [00:29:31] Yeah, 360, you punch up the cards, all of the JCL you feed the card deck in and off it goes. And does this little thing that was a different day, a different era. When I started in college in university, we. We had a remote systems, timeshare systems that we could log into. And there weren't much in the line of password requirements. [00:29:58] And, but you had a username, you had a simple password. And I remember one of our instructors, his name was Robert, Andrew Lang, and his password was always some sort of a combination of RA Lang. So it was always easy to guess what his password was. Today. It has gotten a lot worse today. We have devices with us all the time. [00:30:22] You might be wearing a smart watch. That requires a password. You course probably have a smartphone that also maybe requiring a password. Certainly after it boots nowadays they use fingerprints or facial recognition, which is handy, but it has its own drawbacks. But how about the websites? You're going to the systems you're using in you're at work and logging in. [00:30:49] They all require password. And usernames of some sort or another well, apple, Google, and Microsoft have all committed to expanding their support for a standard. That's actually been out there for a few years. It's called the Fido standard. And the idea behind this is that you don't have to have a password in order to. [00:31:15] Now that's really an interesting thing, right? Just looking at it because we're so used to have in this password only authenticate. And of course the thing to do there is to make sure you have for your password, multiple words in the password, it should really be a pass phrase. And between the words put in special characters or numbers, maybe. [00:31:41] Upper lower case a little bit. In those words, those are the best passwords, 20 characters, 30 characters long. And then if you have to have a pin, I typically use a 12 digit pin. And how do I remember all of these? Cause I use a completely different password for every website and right now, Let me pull it up. [00:32:03] I'm using one password dot coms, password manager. And my main password for that is about 25 characters long. And I have thirty one hundred and thirty five. And trees here in my password manager, 3,100, that is a whole lot of passwords, right? As well as software licenses and a few other things in there. [00:32:30] That's how we remember them is using a password manager. One password.com is my favorite. Now, obviously I don't make any money by referring you there. I really do like that. Some others that I've liked in the past include last pass, but they really meant. With some of their cybersecurity last year and I lost my faith in it. [00:32:51] So now what they're trying to do is make these websites that we go to as well as some apps to have a consistent, secure, and passwordless. And they're going to make it available to consumers across all kinds of devices and platforms. That's why you've got apple, Google, and Microsoft all committing to it. [00:33:15] And you can bet everybody else is going to follow along because there's hundreds of other companies that have decided they're going to work with the Fido Alliance and they're going to create this passwordless future. Which I like this idea. So how does this work? Basically you need to have a smartphone. [00:33:33] This is, I'm just going to go with the most standard way that this is going to work here in the future, and you can then have. Passkey, this is like a multi-factor authentication or two factor authentication. So for instance, right now, when I sign into a website online, I'm giving a username, given a password, and then it comes up and it asks me for a code. [00:33:57] So I enter in a six digit code and that code changes every 30 seconds. And again, I use my password manager from one password. In order to generate that code. So that's how I log into Microsoft site and Google sites and all kinds of sites out there. So it's a similar thing here now for the sites for my company, because we do cyber security for businesses, including regulated businesses. [00:34:24] We have biometrics tied in as. So to log into our systems, I have to have a username. I have to have a password. I then am sent to a single sign-on page where I have to have a message sent to my smart device. That then has a special app that uses biometrics either a face ID or a fingerprint to verify who I am. [00:34:49] Yeah, there's a lot there, but I have to protect my customers. Something that very few it's crazy. Actual managed security services providers do, but it's important, right? By the way, if you want my password. Special report, just go to Craig peterson.com. Sign up for my email list. I'll send that to you. [00:35:13] That's what we're sending out right now for anyone who signs up new@craigpeterson.com. And if you'd like a copy of it in you're already on the list, just go ahead and email me. At Craig peterson.com and ask for the password special report where I go through a lot of this sort of thing. So what will happen with this is you go to a website and I might come up with a QR code. [00:35:37] So you then scan that QR code with your phone and verify it, authorize it on your phone. You might again to have it set up so that your phone requires a facial recognition or perhaps it'll require a fingerprint. And now you are. Which is very cool. They fix some security problems in Fido over the last few years, which is great over the coming year. [00:36:02] You're going to see this available on apple devices, Google Microsoft platforms, and it really is simple, stronger authentication. That's sort of Fido calls it. But it is going to make your life a lot easy, easier. It is a standard and the passwordless future makes a whole lot of sense for all of us. Now, I want to talk about another thing here that just bothered me for a long time. [00:36:30] I have a sister. Who is in the medical field and gives prescriptions, doctor thing. And I think she's not quite a doctor. I can't remember what she has. She's an LPN or something. And anyhow, so she. We'll get on a zoom call with someone and they'll go through medical history and what's happening right now and she'll make prescriptions. [00:36:57] And so I warned her about that saying, it is very bad to be using zoom because zoom is not secure. Never has been, probably never will be right. If you want secure. To go and pay for it from one of these providers like WebEx, that's what we use. We have a version of WebEx that is set up to be secure. [00:37:20] So I talked to her about that and said, Hey, listen, you can't do this. You've really got to go another way here. And so she started using one of these mental or. Medical health apps. What I want to talk about right now specifically are some checks that were just performed some audits on mental health apps. [00:37:45] That's why I messed up a second ago, but what they looked at is that things are a serious problem there. And then fact, the threat post, just calling it a. Frankly, just plain old creepy. So they've got some good intentions. They want to help with mental health. You've probably seen these or at least heard them advertise. [00:38:06] So you can get on the horn with a mental health professional, a doctor or otherwise in order to help you here with your psychological or spiritual wellness. And people are sharing their personal and sensitive data with third parties and have 32 mental health and prayer mobile apps that were investigated by the open source organization. [00:38:32] 28, 28 of the 32 were found to be inherently insecure and were given a privacy not included label, including others here. So this is a report. That was released here by the open source organization, tied into Mozilla. Those are the Firefox people. They have what they call their minimum security standards. [00:38:56] So things like requiring strong passwords, managing security, updates, and vulnerabilities, et cetera. 25 of the 32 failed to meet. Even those minimum security standards. So these apps are dealing with some of the most sensitive mental health and wellness issues people can possibly have, right? Depression, anxieties, suicidal fonts, domestic violence, eating disorders. [00:39:23] And they are being just terrible with your security Mozilla researchers spent 255 hours or about eight hours per product pairing under the hood of the security, watching the data that was going back and forth, right between all of these mental health and prayer apps. It was just crazy. So for example, eight of the apps reviewed, allowed weak passwords, that range. [00:39:52] One digit one as the password to 1, 1, 1, 1, while a mental health app called a mood fit only required one letter or digit as a password. Now that is very concerning for an app that collects mood and symptom data. So be very careful. Two of the apps better help a popular app that connects users with therapists and better stop suicide, which is a course of suicide prevention app have vague and messy, according to Mozilla privacy policies that have little or no effect on actual. [00:40:30] User data protection. So be very careful. And if you're a mental health, professional or medical professional, don't just go and use these open video calls, et cetera, et cetera, find something good. And there are some standards out there. Again. Visit me online, get my insider show notes every week. Get my little mini trends. [00:40:56] And they come up most weeks. Just go to Craig peterson.com. And I'll send you my special report on passwords and more. [00:41:06] We know the Russians have been attacking us. I've talked a lot about it on the radio station, all kinds of stations. In fact, here over the last couple of weeks, and I am doing something special, we are going through the things you can do to keep safe. [00:41:23] Last week we started doing something I promise we would continue. [00:41:27] And that is how can you protect yourself when it comes to the Russians, right? When it comes to the bad guys, because the Russians are definitely the bad guys. There's a few things you can do. And there's a few things, frankly, you shouldn't be doing. And that's exactly what we're going to talk about right now. [00:41:45] So last week he went over some steps, some things that you can look at that you should look at that are going to help protect you. And we are going to go into this a whole lot more today. And so I want you to stick around and if you miss anything, you can go online. You can go to Craig peterson.com, make sure you sign up there for my email. [00:42:08] And what I'm going to do for you is. Send you a few different documents now where we can chat back and forth about it, but I can send you this. Now I'm recording this on video as well as on audio. So you can follow along if you're watching either on YouTube or. Over on rumble and you can find it also on my website. [00:42:32] I've been trying to post it up there too, but right now let's talk about what we call passive backend protections. So you've got the front end and the front end of course, is. Stuff coming at you, maybe to the firewall I've mentioned last week about customers of mine. I was just looking at a few customers this week, just so I could have an idea of their firewalls. [00:42:59] And they were getting about 10 attacks per minute. Yeah. And these were customers who have requirements from the department of defense because they are defense sub subcontractors. So again, Potential bad guys. So I looked up their IP addresses and where the attacks were coming from. Now, remember that doesn't mean where they originated because the bad guys can hop through multiple machines and then get onto your machine. [00:43:28] What it means is that all, ultimately they ended up. Coming from one machine, right? So there's an IP address of that machine. That's attacking my clients or are attacking my machines. That just happens all the time. A lot of scans, but some definite attacks where they're trying to log in using SSH. [00:43:48] And what I found is these were coming from Slovakia, Russia, and Iran. Kind of what you were expecting, right? The Iranians, they just haven't given up yet. They keep trying to attack, particularly our military in our industry. One of the things we found out this week from, again, this was an FBI notice is that the Russians have been going after our industrial base. [00:44:15] And that includes, in fact, it's more specifically our automobile manufacturers we've already got problems, right? Try buying a new car, try buying parts. I was with my friend, just this. I helped them because he had his car right. Need to get picked up. So I took him over to pick up his car and we chatted a little bit with this small independent automotive repair shop. [00:44:40] And they were telling us that they're getting sometimes six, eight week delays on getting parts and some parts. They just can't. So they're going to everything from junkyards on out, and the worst parts are the parts, the official parts from the car manufacturers. So what's been happening is Russia apparently has been hacking into these various automobile manufacturers and automobile parts manufacturers. [00:45:10] And once they're inside, they've been putting in. A remote control button net. And those botnets now have the ability to wake up when they want them to wake up. And then once they've woken up, what do they do? Who knows? They've been busy erasing machines causing nothing, but having they've been doing all kinds of stuff in the past today, they're sitting there. [00:45:31] Which makes you think they're waiting, it's accumulate as much as you possibly can. And then once you've got it all accumulated go ahead and attack. So they could control thousands of machines, but they're not just in the U S it's automobile manufacturers in Japan. That we found out about. [00:45:50] So that's what they're doing right now. So you've got the kind of that front end and back end protections. So we're going to talk a little bit about the back end. What does that mean? When a cybersecurity guy talks about the backend and the protections. I got it up on my green right now, but here's the things you can do. [00:46:10] Okay. Remember, small businesses are just getting nailed from these guys, because again, they're fairly easy targets. One change your passwords, right? How many times do we have to say that? And yet about 70% of businesses out there are not using a good password methodology. If you want more information on passwords, two factor authentication, you name it. [00:46:37] Just email me M e@craigpeterson.com. I want to get the information out now. You got to make sure that all of the passwords on your systems are encrypted are stored in some sort of a good password vault as you really should be looking at 256 bit encryption or better. I have a vendor of. That I use. So if you get my emails every week, when them, there's the little training. [00:47:06] And so I'll give you a five minute training. It's written usually it's in bullet point for, I'm just trying to help you understand things. That provider of mine has a big database and there's another provider that I use that is for. So the training guys use the database of my provider. [00:47:27] In using that database, they're storing the passwords and the training providers putting passwords in the clinics. Into the database, which is absolutely crazy. So again, if you're a business, if you're storing any sort of personal information, particularly passwords, make sure that you're using good encryption and your S what's called salting the hash, which means. [00:47:53] You're not really storing the password, just joining assaulted hash. I can send you more on this. If you are a business and you're developing software that's, this is long tail stuff here. Configure all of the security password settings so that if someone's trying to log in and is failing that, and you block it, many of us that let's say you're a small business. [00:48:15] I see this all of the time. Okay. You're not to blame. You, but you have a firewall that came from the cable company. Maybe you bought it at a big box retailer. Maybe you bought it online over at Amazon, as hurricane really great for you. Has it got settings on there that lets you say. There's 20 attempts to log in. [00:48:38] Maybe we should stop them. Now, what we do personally for our customers is typically we'll block them at somewhere around three or four failed attempts and then their passwords block. Now you can configure that sort of thing. If you're using. Email. And that's an important thing to do. Let me tell you, because we've had some huge breaches due to email, like Microsoft email and passwords and people logging in and stealing stuff. [00:49:06] It was just a total nightmare for the entire industry last year, but limit the number of login retries as well as you're in there. These excessive login attempts or whatever you want to define it as needs to lock the account. And what that means is even if they have the right password, they can't get in and you have to use an administrative password in order to get in. [00:49:31] You also want to, what's called throttle, the rate of repeated logins. Now you might've gotten caught on this, right? You went to your bank, you went to E-bay, you went to any of these places and all of a sudden. And denied you write it blocked you. That can happen when your account is on these hackers lists. [00:49:51] You remember last week we talked about password spraying while that's a very big deal and hackers are doing the sprain trick all of the time, and that is causing you to get locked out of your own account. So if you do get locked out, remember it might be because someone's trying to break. Obviously you have to enforce the policies. [00:50:16] The capture is a very good thing. Again, this is more for software developer. We always recommend that you use multifactor or two factor authentication. Okay. Do not use your SMS, your text messages for that, where they'll send you a text message to verify who you are. If you can avoid that, you're much better off. [00:50:36] Cause there's some easy ways to get around that for hackers that are determined. Okay. A multi-factor again, installed an intrusion. system. We put right at the network edge and between workstations and servers, even inside the network, we put detection systems that look for intrusion attempts and block intrusion attempts. [00:51:02] A very important use denied lists to block known attackers. We build them automatically. We use some of the higher end Cisco gates. Cisco is a big network provider. They have some of the best hardware and software out there, and you have to subscribe to a lot of people complain. I ain't going to just go buy a firewall for 200 bucks on Amazon. [00:51:24] Why would I pay that much a month just to to have a Cisco firewall? And it's like praying pain for the brand. I've got by logo chert on here. Oh, I wouldn't pay for that. No, it's because they are automatically providing block lists that are updated by the minute sometimes. And then make sure you've got an incident response plan in place. [00:51:50] What are you going to do when they come for you? What are you going to do?  [00:51:55] Now we're going to talk about prevention. What can you do an order to stop some of these attacks that are coming from Russia and from other countries, it is huge. People. Believe me, this is a very big problem. And I'm here to help. [00:52:12] We've reviewed a number of things that are important when it comes to your cyber security and your protection. [00:52:20] We talked about the front end. We talked about the backend. Now we're going to talk about pure prevention and if you're watching. Online. You'll be able to see my slides as they come up, as we talk about some of this stuff and you'll find me on YouTube and you'll also find me on rumble, a fairly new platform out there platform that doesn't censor you for the things you say. [00:52:44] Okay. So here we go. First of all, enabling your active directory password protection is going to. Four's password protection all the way through your business. Now I've had some discussions with people over the months, over the years about this whole thing and what should be done, what can be done, what cannot be done. [00:53:09] Hey, it's a very big deal when it comes to password protection and actor directory, believe it or not, even though it's a Microsoft product is pretty darn good at a few things. One of them is. Controlling all the machines and the devices. One of the things we do is we use an MDM or what used to be a mobile device manager called mass 360. [00:53:34] It's available from IBM. We have a special version of that allows us as a managed security services provider to be able to control everything on people's machines. Active directory is something you should seriously consider. If you are a Mac based shop. Like I am. In fact, I'm sitting right now in front of two max that I'm using right now, you'll find that active directory is a little bit iffy. [00:54:04] Sometimes for max, there are some work around and it's gotten better mastery. 60 is absolutely the way to go, but make sure you've got really good. Passwords and the types of passwords that are most prone to sprain the attacks are the ones you should be banning specifically. Remember the website? Have I been poned? [00:54:28] Yeah. It's something that you should go to pretty frequently. And again, if you miss anything today, just email me M e@craigpeterson.com. Believe me, I am not going to harass you at all. Okay. Now, the next thing that you should be doing is what's called red team blue team. Now the red team is a group of people, usually outside of your organization. [00:54:54] If you're a big company they're probably inside, but the red team is the team that attacks you. They're white hat hackers, who are attacking you, looking for vulnerabilities, looking for things that you should or shouldn't be doing. And then the blue team is the side that's trying to defend. So think of, like war games. [00:55:12] Remember that movie with Matthew Broderick all of those decades ago and how the, he was trying to defend that computer was trying to defend that it moved into an attack mode, right? Red team's attack, blue team is defend. So you want. To conduct simulated attacks. Now w conducting these attacks include saying, oh my let's now put in place and execute our plan here for what are we going to do once we have a. [00:55:44] And you darn well better have a breach plan in place. So that's one of the things that we help as a fractional chief information security officer for companies, right? You've got to get that in place and you have to conduct these simulated attacks and you have to do penetration testing, including password spraying attacks. [00:56:04] There's so many things you can do. The one of the things that we like to do and that you might want to do, whether you're a home user, retiree or a business is go and look online, you can just use Google. I use far more advanced tools, but you can use Google and look for your email address right there. [00:56:23] Look for the names of people inside your organization. And then say wait a minute, does that data actually need to be there? Or am I really exposing the company exposing people's information that shouldn't be out there because you remember the hackers. One of the things they do is they fish you fish as in pH. [00:56:47] So they'll send you an email that looks like. Hey let me see. I know that Mary is the CFO, and I know that Joe's going to be out of town for two weeks in The Bahamas, not a touch. So while he's got. I'm going to send an email to Mary, to get her to do something, to transfer the company's funds to me. [00:57:06] Okay. So that's what that's all about. You've got to make sure, where is our information? And if you go to my company's page, mainstream.net, you'll see on there that I don't list any of the officers or any of the people that are in the company, because that again is a security problem. [00:57:24] We're letting them know. I go to some of these sites, like professional sites lawyers, doctors, countenance, and I find right there all, are there people right there top people or sometimes all of them. And then we'll say, yeah, I went to McGill university, went to Harvard, whatever my B. It's all there. So now they've got great information to fish you, to fish that company, because all they have to do is send an email to say, Hey, you remember me? [00:57:56] We're in Harvard when this class together. And did you have as a professor to see how that works? Okay. You also want to make. That you implement, what's called a passwordless user agent, and this is just so solely effective. If they cannot get into your count, what's going to, what could possibly go wrong, but one of the ways to not allow them into the count is to use. [00:58:24] Biometrics. We use something called duo and we have that tied into the single sign-on and the duo single sign-on works great because what it does now is I put in, I go to a site, I put it into my username and. Pulls up a special splash page that is running on one of our servers. That again asks me for my duo username. [00:58:48] So I've got my username for the site then to my dual username and my duo password single sign on. And then it sends me. To an app on my smart device, a request saying, Hey, are you trying to log into Microsoft? And w whatever it might be at Microsoft, and you can say yes or no, and it uses biometric. [00:59:11] So those biometrics now are great because it says, oh, okay, I need a face ID or I need a thumb print, whatever it might be that allows a generalized, a password, less access. Okay. Password less. Meaning no pass. So those are some of the top things you can do when it comes to prevention. And if you use those, they're never going to be able to get at your data because it's something you have along with something, it works great. [00:59:45] And we like to do this. Some customers. I don't like to go through those hoops of the single sign-on and using duo and making that all work right where we're fine with it. We've got to keep ourselves, at least as secure as the DOD regulations require unlike almost anybody else in industry, I'm not going to brag about it. [01:00:09] But some of our clients don't like to meet the tightest of controls. And so sometimes they don't. I hate to say that, but they just don't and it's a fine line between. Getting your work done and being secure, but I think there's some compromises it can be readily made. We're going to talk next about saving your data from ransomware and the newest ransomware. [01:00:36] We're going to talk about the third generation. That's out there right now. Ransomware, it's getting crazy. Let me tell ya and what it's doing to us and what you can do. What is a good backup that has changed over the last 12 months? It's changed a lot. I used to preach 3, 2, 1. There's a new sheriff in town. [01:00:58] Stick around Craig peterson.com. [01:01:02] 3, 2, 1 that used to be the standard, the gold standard for backing up. It is no longer the case with now the third generation of ransomware. You should be doing something even better. And we'll talk about it now. [01:01:19] We're doing this as a simulcast here. It's on YouTube. It is also on rumble. [01:01:27] It's on my website@craigpeterson.com because we're going through the things that you can do, particularly if you're a business. To stop the Russian invasion because as we've been warned again and again, the Russians are after us and our data. So if you missed part of what we're talking about today, or. [01:01:50] Last week show, make sure you send me an email. me@craigpeterson.com. This is the information you need. If you are responsible in any way for computers, that means in your home, right? Certainly in businesses, because what I'm trying to do is help and save those small businesses that just can't afford to have full-time. [01:02:15] True cyber security personnel on site. So that's what the whole fractional chief information security officer thing is about. Because you just, you can't possibly afford it. And believe me, that guy that comes in to fix your computers is no cyber security expert. These people that are attacking our full time cybersecurity experts in the coming from every country in the world, including the coming from the us. [01:02:44] We just had more arrests last week. So let's talk about ransomware correctly. Ransomware, very big problem. Been around a long time. The first version of ransomware was software got onto your computer through some mechanism, and then you had that red screen. We've all seen that red screen and it says, Hey, pay up buddy. [01:03:07] It says here you need to send so many Bitcoin or a fraction of a Bitcoin or so many dollars worth of Bitcoin. To this Bitcoin wallet. And if you need any help, you can send email here or do a live chat. They're very sophisticated. We should talk about it some more. At some point that was one generation. [01:03:29] One generation two was not everybody was paying the ransoms. So what did they do at that point? They said let me see if they, we can ransom the data by encrypting it and having them pay us to get it back. 50% of the time issue got all your data back. Okay. Not very often. Not often enough that's for sure. [01:03:49] Or what we could do is let's steal some of their intellectual property. Let's steal some of their data, their social security number, their bank, account numbers, et cetera. They're in a, in an Excel spreadsheet on their company. And then we'll, if they don't pay that first ransom, we'll tell them if they don't pay up, we'll release their information. [01:04:10] Sometimes you'll pay that first ransom and then they will hold you ransom a second time, pretending to be a different group of cyber terrorists. Okay. Number three, round three is what we're seeing right now. And this is what's coming from Russia, nears, everything we can tell. And that is. They are erasing our machines. [01:04:31] Totally erasing them are pretty sophisticated ways of erasing it as well, so that it sinks in really, it's impossible to recover. It's sophisticated in that it, it doesn't delete some key registry entries until right at the very end and then reboots and computer. And of course, there's. Computer left to reboot, right? [01:04:55] It's lost everything off of that hard drive or SSD, whatever your boot devices. So let's talk about the best ways here to do some of this backup and saving your data from ransomware. Now you need to use offsite disconnected. Backups, no question about it. So let's talk about what's been happening. [01:05:17] Hospitals, businesses, police departments, schools, they've all been hit, right? And these ransomware attacks are usually started by a person. I'll link in an email. Now this is a poison link. Most of the time, it used to be a little bit more where it was a word document, an Excel document that had something nasty inside Microsoft, as I've said, many times has truly pulled up their socks. [01:05:45] Okay. So it doesn't happen as much as it used to. Plus with malware defender turned on in your windows operating system. You're going to be a little bit safer next step. A program tries to run. Okay. And it effectively denies access to all of that data. Because it's encrypted it. And then usually what it does so that your computer still works. [01:06:09] Is it encrypts all of you, like your word docs, your Excel docs, your databases, right? Oh, the stuff that matters. And once they've got all of that encrypted, you can't really access it. Yeah. The files there, but it looks like trash now. There's new disturbing trends. It has really developed over the last few months. [01:06:31] So in addition to encrypting your PC, it can now encrypt an entire network and all mounted drives, even drives that are marrying cloud services. Remember this, everybody, this is really a big deal because what will happen here is if you have let's say you've got an old driver G drive or some drive mounted off of your network. [01:06:57] You have access to it from your computer, right? Yeah. You click on that drive. And now you're in there and in the windows side Unix and max are a little different, but the same general idea you have access to you have right. Access to it. So what they'll do is any mounted drive, like those network drives is going to get encrypted, but the same thing is true. [01:07:20] If you are attaching a U S B drive to your company, So that USB drive, now that has your backup on it gets encrypted. So if your network is being used to back up, and if you have a thumb drive a USB drive, it's not really a thumb drive, right? There's external drive, but countered by USP hooked up. [01:07:45] And that's where your backup lives. Your. Because you have lost it. And there have been some pieces of software that have done that for awhile. Yeah. When they can encrypt your network drive, it is really going after all whole bunch of people, because everyone that's using that network drive is now effective, and it is absolutely. [01:08:10] Devastating. So the best way to do this is you. Obviously you do a bit of a local backup. We will usually put a server at the client's site that is used as a backup destiny. Okay. So that servers, the destination, all of the stuff gets backed up there. It's encrypted. It's not on the network per se. It's using a special encrypted protocol between each machine and the backup server. And then that backup servers data gets pushed off site. Some of our clients, we even go so far as to push it. To a tape drive, which is really important too, because now you have something physical that is by the way, encrypted that cannot be accessed by the attacker. [01:09:03] It's offsite. So we have our own data center. The, we run the, we manage the no one else has access to it is ours. And we push all of those backups offsite to our data center, which gives us another advantage. If a machine crashes badly, right? The hard disk fails heaven forbid they get ransomware. We've never had that happen to one of our clients. [01:09:29] Just we've had it happen prior to them becoming clients, is that we can now restore. That machine either virtually in the cloud, or we can restore it right onto a piece of hardware and have them up and running in four hours. It can really be that fast, but it's obviously more expensive than in some. [01:09:51] Are looking to pay. All right, stick around. We've got more to talk about when we come back and what are the Russians doing? How can you protect your small business? If you're a one, man, one woman operation, believe it. You've got to do this as well. Or you could lose everything. In fact, I think our small guys have even more to lose Craig peterson.com. [01:10:16] Backups are important. And we're going to talk about the different types of backups right now, what you should be doing, whether you're a one person, little business, or you are a, multi-national obviously a scale matters. [01:10:32] Protecting your data is one of the most important things you can possibly do. [01:10:36] I have clients who had their entire operating account emptied out, completely emptied. It's just amazing. I've had people pay. A lot of money to hackers to try and get data back. And I go back to this one lady over in Eastern Europe who built a company out of $45 million. By herself. And of course you probably heard about the shark tank people, right? [01:11:07] Barbara Cochran, how she almost lost $400,000 to a hacker. In fact, the money was on its way when she noticed what was going on and was able to stop it. So thank goodness she was able to stop it. But she was aware of these problems was looking for the potential and was able to catch it. How many of us are paying that much attention? [01:11:34] And now one of the things you can do that will usually kind of protect you from some of the worst outcomes. And when it comes to ransomware is to backup. And I know everybody says, yeah, I'm backing up. It's really rare. When we go in and we find a company has been backing up properly, it even happens to us sometimes. [01:11:59] We put them back up regimen in place and things seem to be going well, but then when you need the backup, oh my gosh, we just had this happen a couple of weeks ago. Actually this last week, this is what happened. We have. Something called an FMC, which is a controller from Cisco that actually controls firewalls in our customer's locations. [01:12:26] This is a big machine. It monitors stuff. It's tied into this ice server, which is. Looking for nastiness and we're bad guys trying to break in, right? It's intrusion detection and prevention and tying it into this massive network of a billion data points a day that Cisco manages. Okay. It's absolutely huge. [01:12:48] And we're running it in a virtual machine network. So we. Two big blade. Chassies full of blades and blades are each blade is a computer. So it has multiple CPU's and has a whole bunch of memory. It also has in there storage and we're using something that VMware calls visa. So it's a little virtual storage area network. [01:13:15] That's located inside this chassis and there are multiple copies of everything. So if a storage unit fails, you're still, okay. Everything stays up, it keeps running. And we have it set up so that there's redundancy on pond redundancy. One of the redundancies was to back it up to a file server that we have that's running ZFS, which is phenomenal. [01:13:40] Let me tell you, it is the best file system out there I've never ever had a problem with it. It's just crazy. I can send you more information. If you ever interested, just email me@craigpeterson.com. Anytime. Be glad to send you the open source information, whatever you need. But what had happened is. [01:13:57] Somehow the boot disk of that FMC, that, that firewall controller had been corrupted. So we thought, oh, okay, no problem. Let's look at our backups. Yeah, hadn't backed up since October, 2019. Yeah, and we didn't know it had been silently failing. Obviously we're putting stuff in place to stop that from ever happening again. [01:14:27] So we are monitoring the backups, the, that network. Of desks that was making up that storage area network that had the redundancy failed because the machine itself, somehow corrupted its file system, ext four file system right then are supposed to be corruptible, but the journal was messed up and it was man, what a headache. [01:14:51] And so they thought, okay, you're going to have to re-install. And we were sitting there saying, oh, you're kidding me. Reinstalling this FMC controller means we've got to configure our clients, firewalls that are being controlled from this FMC, all of their networks, all of their devices. We had to put it out. [01:15:07] This is going to take a couple of weeks. So because I've been doing this for so long. I was able to boot up an optics desk and Mount the file system and go in manually underneath the whole FMC, this whole firewall controller and make repairs to it. Got it repaired, and then got it back online. So thank goodness for that. [01:15:33] It happens to the best of us, but I have to say I have never had a new client where they had good backups. Ever. Okay. That, and now that should tell you something. So if you are a business, a small business, whatever it might be, check your backups, double check them. Now, when we're running backups, we do a couple of things. [01:15:57] We go ahead and make sure the backup is good. So remember I mentioned that we h

THE THESIS: God is letting evil run around in the open; I think He is creating the easiest pass/fail test in history and this is great news if we will do our jobs! THE SCRIPTURE & SCRIPTURAL RESOURCES:  Jeremiah 12:5-6 - God's Answer 5 “If you have raced with men on foot     and they have worn you out,     how can you compete with horses? If you stumble[a] in safe country,     how will you manage in the thickets by[b] the Jordan? 6 Your relatives, members of your own family—     even they have betrayed you;     they have raised a loud cry against you. Do not trust them,     though they speak well of you. Philippians 3:17-21 Citizens of Heaven “17 Join together in following my example, brothers and sisters, and just as you have us as a model, keep your eyes on those who live as we do. 18 For, as I have often told you before and now tell you again even with tears, many live as enemies of the cross of Christ. 19 Their destiny is destruction, their god is their stomach, and their glory is in their shame. Their mind is set on earthly things. 20 But our citizenship is in heaven. And we eagerly await a Savior from there, the Lord Jesus Christ, 21 who, by the power that enables him to bring everything under his control, will transform our lowly bodies so that they will be like his glorious body.” THE NEWS & COMMENT: Will we remain subservient to people who view your human life as a curse that only THEIR “smart” dictatorship could avoid the need for 6 BILLION PEOPLE TO DIE?  [AUDIO] -  Dennis Meadows: University of New Hampshire and WEF articulates clearly and without emotion the ruling oligopoly's plan for world depopulation and resource utilization. Will we side with people openly teaching kids to hate one another? [AUDIO] -  “Ask a Doctor” on how to explain white privilege to kids Will we stand with people openly teaching kids to hate their own bodies? [AUDIO] - A Missouri school district approved a “coming out closet” where students can get chest binders and clothing to express their new gender identity. “Transition closets” have been popping up at various schools across the country. Will we stay silent about people who are openly teaching kids to defile themselves sexually at the youngest of ages? [AUDIO] - WARNING: FILTHY LANGUAGE!  A parent in @Adams12 school district attempts to read from the book “Gender Queer” and gets silenced by board members. This graphic book containing pornography can't be read in front of adults yet is available for kids to read in schools across the country. This popped up on the chrome book issued by SUSD when checking 3rd grade homework. Poking around a little (like my 9 year old would do)was enlightening. Will be on the side of the Satanic Temple that announced, if Roe V. Wade is abolished, it will seek a religious exemption to perform abortions as a ceremeny of their religion? Satanic Temple Vows To Fight For Its Members' Abortion Rights If US Supreme Court Overturns 1973 Roe v. Wade Ruling Following Supreme Court ruling, Salem's Satanic Temple wants to fly its flag at Boston City Hall [AUDIO] - U.S. Treasury Secretary Janet Yellen said in a testimony to the Senate Banking Committee that eliminating women's access to abortion would have ‘very damaging effects' on the U.S. economy  [AUDIO] - YELLEN: "In many cases, abortions are of teenage women – particularly low-income and often black — who aren't in a position to be able to care for children."  SEN. TIM SCOTT: “I'll just simply say that as a guy raised by a black woman in abject poverty, I am thankful to be here...” THE LISTENERS: Todd, I just listened to episode 113/hour 1. I remember hearing Brick on the radio all the time when it first came out, but never paid much attention to the lyrics or meaning. When I listened to it on your podcast, with the knowledge of what he's singing about, it instantly became a much more powerful and saddening song. Nothing makes me more sad and angry to my core than the topic of abortion. It seems to be a perfect song for this moment in time in America. Thank you for sharing. Christian ---   ---   --- You know you talk about becoming a minister well...ta-da...you are. Your show with your faith and beliefs in full effect are ministering. You reach and have an effect on more people and situations than you ever would as a churches' minister. I can understand wanting more knowledge and possible seminary, but your knowledge level now is more than than the apostles ever had. So drive on with what you're doing. You don't need a certificate of completion to minister and touch lives. You don't need anyone's authority. Just do what you do.  One regret I have in my walk was in a desert storm, I was in a Bible study group that had grown tremendously prior to the launch of the battle. A few of the attendees asked me to lead them into being baptized in the Holy spirit..I declined feeling like I didn't have the authority. Years later I realized I really missed an opportunity to do God's work.   You are working for God now...keep up the good work. See the fruit your efforts are bearing.  See omnystudio.com/listener for privacy information.

A Clip of the 2005 Edgbaston Ashes:  https://www.youtube.com/watch?v=QiNvL3FfrT8Curtley Ambrose Ripping through England:  https://www.youtube.com/watch?v=GCkC2YUBXpw 

In Tarrant County, conservative PACs animated about the teaching of race and sexuality are flooding school board races with hundreds of thousands of dollars.

The one thing we all have way too much of in our homes is paper. Half of it we haven't even asked for but it builds and grows in piles dotted around our home and adds to the clutter. In this podcast we are going to discuss 10 things you can declutter to keep your paper piles down. For more show notes go to our Podcast page. If you haven't already, make sure you check out our website The Declutter Hub. We are delighted you're here and can't wait to share all our top tips about decluttering and organising with you. Please feel free to join our Facebook group The Declutter Hub Community and you can find out more about The Declutter Hub membership here.

Alice and Bethany go through the five books they're each planning to read in the near future. If you want to see a list of the books, head to the podcast Instagram or Twitter!

On this Monday edition of WUL, I sit down for a chat with a familiar face of the show- Mark Sommise. Mark is a full time electrician who's exploding his digital marketing business in his spare time and this his second time being on the show. Today he shares how he's able to juggle his online business & his full time job, what to do after a video goes viral, an alternative to the “link in my bio” messaging, and A LOT MORE. Follow Mark on Tiktok | Instagram | Youtube

"Depuis quand, comment et surtout pourquoi a-t-on créé ça ?" Vous ne vous êtes peut-être jamais posé la question. Qu'importe ! Lui a la réponse… David Castello-Lopes remonte, avec humour, aux origines d'un objet de notre quotidien. Aujourd'hui, les piles.

"Depuis quand, comment et surtout pourquoi a-t-on créé ça ?" Vous ne vous êtes peut-être jamais posé la question. Qu'importe ! Lui a la réponse… David Castello-Lopes remonte, avec humour, aux origines d'un objet de notre quotidien. Aujourd'hui, les piles.

In "The Problem with Piles" Pastor Jeff Gwaltney of One Seed Church speaks about letting go of everything you pile up in life. #oneseedchurch #jeffgwaltney #theproblemwithpiles #pastorjeffgwaltney #oneseed #miracles #faith #fear #growth #freedom #sermons #2022sermon #onlinechurch #churchonline Subscribe to receive our latest messages: https://bit.ly/3tNHSgq To support this ministry and help us continue to reach those who don't know Christ: https://oneseedchurch.org/giving/ One Seed Church - O'Fallon exists to extend the love and teachings of Jesus Christ. One Seed Church, led by Pastor Jeff Gwaltney, is based in St. Louis, Missouri. Discover God's perfect plan made just for you! One Seed Church is filled with a diverse group of excited and thriving people from all walks of life, coming together to live out the mission of Jesus Christ. Come join the family. —— Stay Connected One Seed Church Website: https://bit.ly/2NawSZh One Seed Church Facebook: https://bit.ly/3hLqKTD One Seed Church Instagram: https://bit.ly/2VSXQJC One Seed Church Twitter: https://bit.ly/3tMFc2A Jeff Gwaltney YouTube: https://bit.ly/3Ex3d2o Jeff Gwaltney Facebook: https://bit.ly/3ltM6pG Jeff Gwaltney Instagram: https://bit.ly/3hJOTd7 Jeff Gwaltney Twitter: https://bit.ly/3hIJ7Zr

So you're planning to venture into real estate and start making hand over fist money? Imagine the possibilities when you get that six-figure paycheck—the freedom that you'll get, the stability that it brings. Amazing right?! But not to disappoint, you still have a lot to go over to achieve that level of success. Most importantly, it would help if you were critical enough to know that you're winning and not making unprofitable losses. Our guest Trevor Scheffler is here to help us gather those wins and avoid leaving money on the table. Make sure to give this episode a listen and share this with your friends. What are you waiting for? Let the money-making adventures begin! Key Takeaways How important it is to work hard and take massive action The story of closing his first deal  five and a half months later If you're planning to build long term wealth in this industry, you have to have a pipeline What is a pipeline, and how to create one? How did he make a quarter-million dollars in his first year? Realizing what you have and figuring out deals Don't allow yourself to leave a ton of money on the table  You have to take advantage of the opportunities that are coming your way Trevor's advice to newbie real estate investors and his past self  Resources Driving For Dollars Mastery

Today on The Fast Lane with Ed Lane: - Ed and Trey Lyle discuss Cam Newton's recent comments about Women - Larry McReynolds - Official on Martinsville Speedway and if any changes need to be made to the Next-Gen Cars for better racing on Short Tracks - Trey also gives his #NBA Play In Picks

It's your favourite time of the month as The Anger Management Podcast returns for another round of sh*ts, giggles and general taking of the Michael. Season two episode 7 sees the boys joined in the studio by England's very own version of Zinedine Zidane: Joe "Special" Price. Mate. Meanwhile, Andy revels in his newfound TikTok "fame", while Liam makes the mistake of disclosing an embarrassing medical problem. --- Send in a voice message: https://anchor.fm/angermanagement/message

The .comEDY team is back live in the .comEDY studios. We get in to a whole lot of things this week so join in and have fun with the .comEDY team DJMarcus, Joey, Kandyce August ,and our special guest Jay Rivas on the .comEDY Podcast.

Philadelphia's illegal dumping plaque remains out of control, and a new street sweeping program will try to clean up litter. When will we conquer our mountain of trash?

In this episode, I talk to Morgan NeSmith, P.E., D.GE, award-winning Director of Engineering at Berkel & Company Contractors, Inc., about some of the recent developments in cast-in-place piles and ground improvement. Engineering Quotes: Here Are Some of the Questions We Ask Morgan: What are continuous flight auger (CFA) piles and auger cast-in-place (ACIP) piles, […] The post TGEP 47: Recent Developments in Cast-in-Place Piles and Ground Improvement Techniques appeared first on Engineering Management Institute.

Tres esdeveniments importants al continent des de comen

After a tough showing at the MtGA Arena open, we lick our wounds and get back on the horse...or the bear...or the turtle...we got a lot of character here! Most importantly, we have you and Friday Night Podcast! Jump into another end of week draft as the crew finds satisfying value piles all over NEO in this satisfying draft episode! All the show and social links found here: https://linktr.ee/draftanddraftcory 

Simon's live update for India's all-news WION, with Molly Gambhir anchoring.

Piles upon piles of rotting debris that just keep getting bigger, no phone or internet access, whole communities cut off and exhausted people in desperate need of basic provisions that's the situation in northern New South Wales We've seen the images of devastation in towns like Lismore but what about the regions a little further off the map like Mullumbimby and Murwillumbah? Guests: Eddie Dostine, Byron Bay photographer Rebecca Whan, Murwillumbah Chamber of commerce

Maple Trees, Mulch Piles, And Root Issues by Various Speakers

I have a bunch of things building up. I am more frustrated but wound free mostly. Want to help show what to look for when you are improving so you know what to look for. --- Support this podcast: https://anchor.fm/walk-sei-now/support

Well gah-hawlee! Welcome to Episode 75, ya Gomers! In this episode Wopsle Scrooge McDucks it with three folded dollar bills, She washes her soap, and Tone turns into the girl from The Ring. Sponsored by either the Buffalo Bills or William Hurt, not sure which. Email your review ideas to reviews@kick.cool and we'll mention you on the show. Thank you for listening! Do a cartwheel! Reviews include: Attics, Bar Soap VS Bottle Soap (the new and improved The Versus Show!), School Picture Day, Piles See you next week! Love you, byyyyyye!

Let's talk about some conspiracy theories that turned out to be legit!    For upcoming show dates please go to Jakeruble.com Thank you to all that have given on our Patreon at patreon.com/laughandbeblessed. It really helps us a ton, so if you would like to help us out, please follow the link and contribute.  For as little as $3 a month, you can help the podcast grow!      Thanks to Michael Rubadue and his amazing talent for the music of the show! We are proud to have you as a Blessed One!! To listen to his new single, go to embracethegraypublishing.com.   If you would like a shirt, koozie, keychain, pin, or magnet, please go to JakeRuble.com and let us know!    You can also contact us on FaceBook by joining the group "Jake Ruble's Blessed Ones."  

On this episode the M2B crew sits down with Maryland Natural Resources Police Officer Jeremy Miller to discuss just what it's like to enforce the game laws of this country. As usual we go down some deep off topic rabbit holes and cover such topics as first time hunters in ‘our' spots, crossbows with thermal scopes, deer in trash cans, moonlighting as a poacher, turkeys gorging on a cicada buffet and many more…Good Hunting.

Our Website: TBAOur Twitter: https://twitter.com/post90pod​Our Instagram: https://www.instagram.com/post90pod/​Background Track Credit: https://soundcloud.com/https://soundcloud.com/masonflipssamples/daydreams-freestyleThumbnail Photo Credit: https://twitter.com/kcahalin

Hello Friends!  Welcome back to the Freedom Formula for Physician's Podcast, the podcast dedicated to helping physicians get to be multi-millionaires, and of course dedicated to helping you slash your debt, slash your taxes, and live a liberated lifestyle.  I'd like to kick off this episode with a huge THANK YOU to each and every one of you.  It just means so much for you to take time out of your super busy schedules, listen to this podcast, and send me encouraging feedback. A shout out to a couple of listeners, who showed some podcast love: Rcdrguy- "Always enjoy listening to Dave's high-quality content, practical advice, and superb interview guests!  Highly recommended for anyone who wants to educate themselves about personal finance." Gainadelph- "Both podcast and book are excellent resources for physicians looking to get a primer on financial planning and find resources to learn more on their own." If you'd like to get some love and hear your name on the podcast, make sure to rate and review the podcast on iTunes and I will feature you on a future episode.  I'd also like to encourage you to email me at dave@doctorfreedompodcast.com to let me know your thoughts on the podcast as we go into the new year. If you haven't heard, our brand new book, "The Young Physicians Guide to Money and Life", is coming out soon, and I'd like you to be the first to know when it's available, so text doctorbook to 44222 to get first opportunity to purchase the book with a discount. In this podcast episode you will: Discover whether one is right and one is wrong... Piles of cash or several streams of income? Learn how to think about retirement and security by making conservative projections Hear stories of what other people say about piles of cash vs. several streams of income and how it looks Discover why it's wise to financially plan in the present for possible future decline in your assets Be prepared for unexpected cost-roof replacement, car repairs, etc. Learn how default rates can change drastically depending on the economic condition   Resources mentioned in this podcast:   Tyler Sheff-The Cash Flow Guys Podcast   Mark Podolsky-The Land Geek Podcast       For all the show notes, and more, check out the podcast website at www.doctorfreedompodcast.com ----more--------more---- Investment advice is only offered in jurisdictions where Centurion Financial Strategies, LLC (“Centurion”) is appropriately registered or exempt from registration. Our Form ADV Part 2 brochure can be obtained free of charge at https://adviserinfo.sec.gov by searching for our firm by name or its unique CRD number (316454). This podcast is not a solicitation to provide advisory services in any jurisdiction in which we are not appropriately registered or excluded from registration. The information, statements, and opinions contained in this podcast have been obtained from or are based upon information obtained from sources which we believe to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any such information. This podcast is intended for informational purposes only and should not be construed as personalized investment, tax, or legal advice. Opinions expressed by any guest are their own opinions and do not necessarily reflect the firm's views. You should carefully consider your unique financial circumstances and needs prior to making any investment in securities or purchasing any insurance products. Past performance is not indicative of future results. Investing in securities involves the risk of loss. Insurance products are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, and early withdrawal fees which vary by issuer. You should consider the charges, risks, expenses, and investment objectives of any insurance products before entering a contract.

In other stories tonight: a judge has denied bond for a man police say stalked Mayor Lightfoot; a former top Chicago school official has been approved as the new head of the Chicago park district board; nine republican Illinois house members were not allowed in the chamber today because they refused to wear face masks; and much more. 

Our Website: TBAOur Twitter: https://twitter.com/post90pod​Our Instagram: https://www.instagram.com/post90pod/​Background Track Credit: https://soundcloud.com/https://soundcloud.com/masonflipssamples/daydreams-freestyleThumbnail Photo Credit: https://twitter.com/kcahalin

Ken Wiebe of Sportsnet welcomes Jeff Hamilton of the Winnipeg Free Press to discuss the Winnipeg Jets 5-2 victory over the Nashville Predators on Saturday night. The Jets rallied from a 2-0 deficit to score five unanswered goals, with captain Blake Wheeler leading the way with two goals and five points. The Jets improved to 20-17-8 and continue a stretch of five consecutive games against Central Division opponents on Monday against the Chicago Blackhawks.

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. To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today we're going to discuss are piles of money better than streams of money? What do I mean by piles of money?  A pile of money are profits made from the sale of a property.  For example, when you sell a property such as a rental property. What is a stream of money?  Its the rents earned off of a lease. It's the mortgage payment earned from a mortgage, if you're the lender. Which is better?  There is no right or wrong answer, it depends on your risk tolerance and how much you're willing to pay in taxes. Here's how I learned my lesson.  For several years, I had been flipping homes with a partner.  At the end of each year, I found out from my CPA that I was paying a lot in taxes.  Why?  Because the income from a flip was taxed as a short term capital gain and the rate was a lot higher than if I held the asset for a year or more which was a long term capital gain. Clearly this wasn't fitting my objective. And if that wasn't enough punishment, I decided to do my own flip and if you recall in Episode 7 – The Flip that Flopped where I told you about a flip I had done and at the end of the deal the house wouldn't sell and I had put too much money into it and I bought it at the wrong price?   Plan B - I decided to put that house on the rental market.  This is the great thing about real estate, there's always another way to solve the problem. Why?  Because if I held the house for 1 year and then sold it, I would pay Long Term Capital gains which is a lower tax rate.   I placed great tenants in the house and held it for 1 year. The tenants were so great that after 3 years of rental history with me, I decided to sell the home.  I decided to sell for 3 reasons,  The house had appreciated enough for me to recapture money  I no longer wanted to be a landlord and fixing everything that broke I wanted to trade-in being the landlord for being the lender. How did I do that? First, I did not sell this house outright because this time, I didn't want a pile of money!  Everything I had learned about piles of money meant to me that I'd be paying way too much in taxes.  I wanted to lessen my tax burden!  This time I wanted streams of income! Second, I reached out to my tenants to see if they wanted to buy the house and they were all in. Third, I hired an attorney to structure the deal.  In this case, there was an existing mortgage on the home and I did what is called a Wrap Around Mortgage – basically, we agreed on the selling price, the tentants became the borrower and I went from being a  landlord to Lender.   Each month they pay their mortgage to me, I pay the existing mortgage and what's left is mine.  The money that's left over is considered passive income and at the end of the year I'm only taxed on what I earned.  If I had sold the house outright I would have been taxed on a pile of money and not the stream of money. Today, I have several streams of money coming in and I always shy away from piles of money, even though for some reason I seem to attract piles.  Now, I plan my exit strategies so I don't end up with a pile of money. I often run into many sellers in the market that are of the belief that a pile of money is what they want.  When I believe in their minds, they are thinking, if I get a pile of money, I can do XYZ with it.  Which typically means, they are going to go buy doodads (unnecessary items) or they say they want to pay off their bills and before you know it, the money is gone and now they face regret. Why do I know this?  It happens every day, because in general most people, including me early on, don't know what to do with their money once they get it – meaning they don't know where they can invest it.  I know several individuals now with money and they have no where to put it because the real estate market isn't in what most people consider a buying market, so they are holding on to it. These are typically seasoned investors.  If you're well versed in real estate you will find a viable investment but for those not yet educated in real estate may invest in the stock market.  Personally, I don't invest in the stock market because I can't control the asset.    Here are 5 reasons you should consider streams of income. 1). You save on taxes!  Let's say you earn $100,000 on the sale of a property and your single. Your Short term capital gain tax rate for 2021 is 24%  meaning you'll pay $24,000 in taxes.  If you held on to that asset Long Term Capital gain rate is 15% meaning you'll pay $15,000. 2).  Pays down Debt. If you have multiple streams of income, you can pay down existing debt quicker. 3).  Provides a safety net.  What if you lose your J.O.B or become ill? Having streams of income you could take your time looking for another job or take the time off needed to heal from an injury or illness. 4).  Creates Financial Security – Let's say your debt is paid off, then you can take this stream of income and invest it in more real estate. 5). Allows more free time – With multiple streams of income it allows you flexibility in your free time for more vacations or starting a new business. It has been my experience that when the piles of money run out, you're either left with nothing or you're left with nothing and a huge tax bill at the end of the year.  I've seen this happen with first time Wholesalers.  They make their first $20K profit from their first deal and then they go on vacation.  It's not until tax time, that they are faced with a big dose of reality when they realize they don't have the money they need to pay their taxes.  Obviously, based on my experience I prefer streams of income over piles of income, and for you maybe your circumstances are different and you prefer piles.  My best advice would be to play out each scenario and understand your tax implications before you decide on a pile or a stream of income.   Www.fearlesssinnovator.com Email me at:  Info@fearlessinnovator.com   Episode 7 - Flip that Flopped

Join us for a mutual interview + conversation on courage, surviving life's compost piles and what the word "kin" means to us. Ponder how you approach the decisions that make up the ecosystem of your life and the relationship between your beliefs + actions (spoiler alert: it's not about changing your thoughts).we discuss —what we relate to our calling — how it alchemizes + changes over timethe role of trust in self-actualizationwhat the word "KIN" means to us and how it holds our desires/dreams for the worldundoing the idea that we have to be exceptional, best or unique in the right wayswhat we've learned from times we've missed the mark and ended up in the compost pileour ideas of courage and how it influences how we livethe relationship between beliefs and actionshow we can orient to what feels good and noting whether or not we are satisfiablehonoring the body as a compass and it's adipose tissue ;)how we approach living systems, our tools for big picture thinking + making decisionswhat we are excited about + how we are showing up to KINLINKSInterested in KIN? Get more info.

Barry Randall spent 17 years as a landscape gardener learning his craft and trying to build a business. After all that time he was still working 70 hour weeks bringing in only £8,000 every month.  Then one day, when trying to check out of a hotel and having his card rejected, he realized the painful truth . . .
he'd been making the exact same mistakes . . . year after year.
 Even though he knew everything about being a landscaper . . . he knew almost nothing about being a business owner. That's why his business was still in the same spot even after almost 2 decades in the same industry. So, he studied everything he could about running a business. He learned how to build better systems, teams, and processes.  Within 6 years Barry became the owner of 5 different businesses . . . with over 75 employees and contractors.  Today, he only works approx. 10 hours a week on his landscaping business. Collectively . . . his businesses bring in £5 million in Gross sales every year and approx. £1 million in profit. What I Discussed with Barry Randall: How in the last year alone, Barry started a brand new business which generated over £1,000,000 gross with £300,000 in profits. . . and he reveals at least 3 cruical factors which allowed him to do so . . .   Discover why pricing is elastic and what that means for your business . . . and why a mental attitude adjustment is needed . . . As a successful business mentor, Barry reveals the common traits he constantly corrects to help his clients generate 7-figures . . . with piles of profit . . . Discover what 'Waste Management' in your business and how to turn it into money in your bank account     The ONE book which changed Barry's life and of his loved ones forever . . .and much more . . .  When you like this Podcast, kindly leave us a review here . . . even a few words help.When you enjoyed this episode and you want to know more about Barry Randall . . . check about the about section us section on our website. https://unlimitedsuccessclub.com/about-us/

Trick or Treat! Hey Thanks for checking out episode [episode #] ! This is Exactly why your amazing. While you wait for the next one why not head over to the brand new Website https://www.throughthefogcast.com (ThroughTheFogCast.com) Where we have blogs, other podcasts for you to check out, and past episodes of Through the Fog. Its the New Hub Site for the show! We Also Just launched a buy me a coffee page if Donation is more your style you can do that https://www.buymeacoffee.com/throughthefog (here). My Goal is to go full time with making podcasts so My Wife and I have the time to also go back to making YouTube Videos, so any donations you make would help so much. On the Off chance that even THAT wasn't enough you can also follow me on twitter http://www.twitter.throughthefogcast.com (@fog_cast) (I reply to every mention so feel free to hit me up!) While your at it you should also check out Flyover State Park https://linktr.ee/flyoverstatepark (here) or follow on twitter https://www.twitter.com/FlyoverPodcasts (@FlyoverPodcasts) We Also Just Went Live on GoodPods The Official Home of Indie Podcasts You Can Support indie artists by Checking us out on Goodpods https://goodpods.app.link/b9CnbmaFfkb (here.) Based on the Original Story: https://www.reddit.com/r/scarystories/comments/pyuym1/piles_of_candy/?utm_source=shareandutm_medium=web2xandcontext=3 (Piles of Candy by Dark Hero) And Special Shout out to our editor https://www.instagram.com/kill_urgrace (Kevyn Kerrivan) and My Beautiful Wife https://www.twitter.com/BooherCynthia (Cynthia). I couldn't Do it without either of you. Ending Song: https://www.bing.com/search?q=Voices%20-%20by%20Patrick%20Patrikios%20andqs=nandform=QBREandsp=-1andpq=voices%20-%20by%20patrick%20patrikios%20andsc=4-30andsk=andcvid=28CF69D96A794014992F6E4D772E62F5andshtp=GetUrlandshid=282228fe-4af1-44aa-9041-b8556b7965dcandshtk=UGF0cmljayBQYXRyaWtpb3MgfCBWb2ljZXM%3Dandshdk=VmlkZW8gY3JlYXRlZCBieSBOQ0FMSUIuIE11c2ljIHdpdGhvdXQgY29weXJpZ2h0IC0gQXR0cmlidXRpb24gbm90IHJlcXVpcmVkLiBZb3UncmUgZnJlZSB0byB1c2UgdGhpcyBzb25nIGFuZCBtb25ldGl6ZSB5b3VyIHZpZGVvLiBBcnRpc3Q6IFBhdHJpY2sgUGF0cmlraW9zIHwgVHJhY2s6IFZvaWNlcyBEb3dubG9hZCBNUDMgLSBodHRwczovL3N1cHBvcnQuZ29vZ2xlLmNvbS95b3V0dWJlL2Fuc3dlci8zMzc2ODgyIEFtYmllbnQgfCBEYXJrIFBhdHJpY2sgUGF0cmlraW9zIHBsYXlsaXN0OiBodHRwczovL3d3dy55b3V0dWJlLmNvbS9wbGF5bGlzdD9saXN0PVBMcndZRjFRNzgwel9pQ0ggLi4uandshhk=%2BmYOymmz%2BlemEdTNdUHal9d4qvNo%2BsydSnCQj8OolqU%3Dandshth=OVP.JBxuE58IbRkhJ9Ol97H5HgHgFo (Voices - by Patrick Patrikios ) Intro and Disclaimer Music By Kevyn Kerrivan Thanks For listening and see you next week! Sound Effects Sourced from Epidemic Sound --- Send in a voice message: https://anchor.fm/throughthefog/message Support this podcast: https://anchor.fm/throughthefog/support

Cancer scams abound, and the gals are comin' in hot. It seems every Chris, Dick, and Jessica have something to cell you--we mean SELL you--to cure cancer holistically. If that book, recipe, cleanse or coaching session advises you to steer clear of surgery or chemo, we advise you to run! Could the real cure be Rastafarian vegetables? In non-cancer news, should Amy name her wine cellar Amy's Winehouse? Meanwhile, in letters: a drugged-up dad turns medical waste thief, and a tired mama finally breaks down and admits she needs help. RATS has a vaccine! Not for Covid, ya dinks! For triple negative breast cancer! To learn more about the RATS in this episode, check out this article.