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Quick Summary PointsTalk to the business strategy importance - data is there to make things better for the business. What could being better informed mean for your execs?When people ask about the strategy, that is when you can mention data mesh. It isn't about doing data mesh but you also aren't inventing this whole-cloth. 100s to 1000s of organizations are already on the journey. But data mesh is not some magic phrase, it is merely a framing for doing data better at scale.Think of the first hidden data demon from my upcoming mini-book: this is about getting to data driven, not being data dragged. This is about better equipping the people you thought were good enough to hire for their expertise and making them even better.Think of the second hidden data demon: data isn't only about strategic decisions - this gets us into a place where we can make better day-to-day execution decisions too.We don't get to skip leg day. I originally typed 'leg data' and maybe that's what we call the foundations

A White House spokesperson said U.S. intelligence officials have determined that Moscow has acquired ballistic missiles from North Korea and fired at least one of them into Ukraine on December 30. The U.S. is now concerned Iran will soon agree to sell Russia missiles. Geoff Bennett reports. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

Discover the inspiring journey of a brand new agent who transformed into a real estate sensation, closing an impressive 154 transactions in just the second year.   In this episode, explore the secrets behind building a powerful brand, mastering passive prospecting, and achieving phenomenal results in the real estate industry. Levi shares insights into his unique business model, multifamily investing, social media growth, and coaching businesses, offering valuable lessons for real estate professionals.   Whether you're a seasoned agent or just starting in the industry, this episode provides a comprehensive guide to success.  

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Mandeep's LinkedIn: https://www.linkedin.com/in/kaurmandeep80/In this episode, Scott interviewed Mandeep Kaur, Enterprise Information Architect at Nordea Asset Management. To be clear, she was only representing her own views on the episode.Nordea has been on their data mesh journey for a while and Mandeep has been trying to figure out best practices for the hundreds - thousands - of micro decisions in a journey. So how do we get comfortable with making so many calls?Some key takeaways/thoughts from Mandeep's point of view:"1) don't overthink it; 2) bring value out as soon as possible; [and] 3) evolution before completion."The micro decisions in data mesh do matter, give them some thought. But it's important to simply get some perspective from the people who should know best and move forward. That can be from people inside or outside your organization but think about the blast radius of getting something wrong before you fix it. Most times it's smaller than you'd expect.Your first question when considering data mesh: what value am I trying to get out of it? Think about what are the target value propositions and what does it do for the business if this is successful. If you don't have good answers, should you do data mesh?The answers to the 'what value' question of your own mesh journey above should drive your strategy, where you should focus early and what will measure your success. And every organization will have different answers.?Controversial?: There's a LOT of overthinking in most data mesh implementations

Navigating the process of obtaining a Certificate of Residence from HMRC has become tricky. Specifically, UK residents managing foreign income or gains often require this certificate to validate their tax residency in the UK. This requirement extends to a diverse range of entities, including individuals, companies, partnerships, trusts, and various other structures. In the following sections, we outline the step-by-step procedures we found online for different entities, starting with individuals who are advised to complete an online form under the designated section, unless an alternative form from another state is applicable, in which case it should be sent to the provided address in the same section. www.Zulftalks.com

Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.JGP's LinkedIn: https://www.linkedin.com/in/jgperrin/Amy's LinkedIn: https://www.linkedin.com/in/amy-raygada/Andrew's LinkedIn: https://www.linkedin.com/in/andrewrhysjones/Andrew's website: https://andrew-jones.com/daily/Andrew's book: https://data-contracts.com/Data contract standard project Bitol: https://lfaidata.foundation/projects/bitol/JGP's blog: https://jgp.ai/In this episode, guest host Jean-Georges Perrin, Data Innovation Consultant at ProfitOptics (guest of episode #130 and panelist in episode #227), facilitated a discussion with Amy Raygada, Senior Data Product Manager at Swiss Marketplace Group (guest of episode #165), and Andrew Jones, Principal Engineer and Author of the book on Data Contracts (guest of episode #29). As per usual, all guests were only reflecting their own views.The topic for this panel was all about data contracts and how do we go about getting them in place. Much of it was about the general concept but some of it was specifically about how do we think about data contracts applying to data mesh. This was the first topic I really did a deep dive into in early 2022 and it has evolved but is definitely still evolving.Scott note: As per usual, I share my takeaways rather than trying to reflect the nuance of the panelists' views individually.Scott's Top Takeaways:Data contracts are about trust and understanding. Trust that there is an owner and there are rules, there is a minder that knows this data matters. Trust that things...

Workforce Recruitment, Development, and Retention activities provided by AGCMO are discussed with Shannon Voss, VP of Workforce Development.Support the showLearn more at www.agcmo.org Please share our podcast with anyone interested in the construction industry!

In this insightful conversation between Marguerite Crespillo and Katey Dallosto, they discuss the challenges presented by the rapidly changing real estate market in December 2023. Katey emphasizes the importance of professionals distinguishing themselves in a shifting market and highlights the opportunity to showcase expertise, professionalism, and value. Facing the uncertainties of the market, Katey encourages a return to the basics, focusing on consistent lead generation, adapting presentation skills, and effective communication of value. Marguerite adds perspectives on the generational shift in market experiences, emphasizing the need for transparency and the unique role of real estate professionals in guiding clients through market fluctuations. The conversation concludes with practical tips on networking, staying curious, and selling with the enthusiasm and persistence of an eight-year-old. Throughout, the discussion underscores the significance of coaching and outside perspectives in navigating the complexities of the real estate industry.   #RealEstateSuccess #Realtor #RealEstateSuccess #RealEstateAgent #RealEstate #Realty #MargueriteCrespillo #TonyRobbins #OprahWinfrey #KateyDallosto Katey Dallosto's Social Media

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Alexandra's LinkedIn: https://www.linkedin.com/in/dralexdiem/In this episode, Scott interviewed Alexandra Diem, PhD, Head of Cloud Analytics and MLOps at Norwegian insurance company Gjensidige.Gjensidige's approach closely aligns with data mesh but they are starting with a focus on consumer-aligned data products as they have a well-functioning data warehouse and are not looking to replace what isn't broken.Some key takeaways/thoughts from Alexandra's point of view:Advice to past data mesh self: stop talking to people about data mesh, talk to the changes in the way of working. It can be very tiresome to try to explain data mesh instead of those changes. Data mesh isn't the point.There aren't really any reasons we can't apply many software engineering best practices to data, it's simply we haven't done it broadly in the data world.There is a push and pull between software best practices and data understanding. Consider which you see as more important and when. Do you bring data understanding to software engineers or software best practices to those with data understanding.When you leverage pair programming between enablement software engineers and data analysts that understand the domain, the software engineers learn more about data and the domain and the analysts learn good software engineering/product practices. It's a win-win.The people you enable to do work in a data mesh way should serve as ambassadors of your ways of working, especially within the domain. Both helping others learn and as champions. That provides organizational scale. You can't individually enable every person in a large company."Too many cooks spoil the broth." Think about having that 'two pizza team' kind of approach so you have concentrated understanding by those involved in creating data products who then can again help others learn. This is good for those in the domain and also for an enablement team bringing learnings back to a platform team.Having a team with intimate knowledge of what data products/data product features have...

Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

Key Points:We need API-first technologies in data. Not just offering APIs but being able to integrate seamlessly with each other via API. We have that in software but it's been a long-time coming in data. If we want an actual modern data stack, we need to have tooling providers make a real change.Simple made easy: we need to make things simple for data product development and consumption. It's not simplistic but it removes unnecessary complexities.Overall, there is such a trend in data where people aren't building things that remove toil - there is this assumption of increasing complexity of use cases but so much of the work is not that complicated. We need to make it so most people can do most of the work relatively easily without making it overly simplistic - easier said than done of course.Sponsored by NextData, Zhamak's company that is helping ease data product creation.For more great content from Zhamak, check out her book on data mesh, a book she collaborated on, her LinkedIn, and her Twitter. Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereData Mesh Radio episode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

BestPodcastintheMetaverse.com Canary Cry News Talk #700 12.20.2023 - Recorded Live to 1s and 0s CHEQ MATE | Presuppositional Politics, Crypto Elections, Stunning Uranus  Deconstructing Corporate Mainstream Media News from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! The Show Operates on the Value 4 Value Model: http://CanaryCry.Support      Join the Supply Drop: https://CanaryCrySupplyDrop.com                                  Submit Articles: https://CanaryCry.Report                           Submit Art: https://CanaryCry.Art     Join the T-Shirt Council: https://CanaryCryTShirtCouncil.com Resource: Index of MSM Ownership (Harvard.edu) Resource: Aliens Demons Doc (feat. Dr. Heiser, Unseen Realm) Tree of Links: https://CanaryCry.Party   This Episode was Produced By: Executive Producers Sir LX Protocol V2 Knight of the Berrean Protocol*** JameyG*** All Seasons Interior Supply*** Sir Darrin Knight of the Hungry Panda's*** Sir James Knight and Servant of the Lion of Judah Defender of the Destitute and the Helpless*** Sir Marti K Knight of the Wrong Timeline***   Producers of Treasure Palmer C Malik W Dame Gail Canary Whisperer and Lady of X's and O's Veronica D  DrWhoDunDat Sir Morv Knight of the Burning Chariots Sir Scott Knight of Truth Sir Casey the Shield Knight   Speakpipe Bee   CanaryCry.ART Submissions JonathanF Sir Dove Knight of Rusbeltia Sir Darrin Knight of the Hungry Panda's   MICROFICTION Stephen S - Chief meets again with celebrity handler Sosumi Gonzales in a small cat cafe in Chicagoland. “Your stunt double for Sleepy Joe was an excellent find.  Plenty of mileage out of  him..  We're playing the same act for 2024 so we need one for Orange Man.”   JOLMS - (Part 7) She snatches it and scrolls. Incredible! Conditions met and exceeded! All essentials even! Completely habitable! Not too many light years away for one jump. Provided she did this perfectly. No doubt, eager eavesdroppers were tracing that response signal.    CLIP PRODUCER Emsworth, FaeLivrin, Joelms, Laura   TIMESTAMPERS Jade Bouncerson, Morgan E   CanaryCry.Report Submissions JAM   REMINDERS Clankoniphius   SHOW NOTES/TIMESTAMPS Podcast T- 03:26 HELLO, RUN DOWN  08:09 V / 04:43  P POLYTICKS/TRUMP 09:52 V / 06:26 P 2 Clip: Thorough work by Colorado SC puts Trump in tough spot (MSNBC) Clip: Vivek removes himself from Colorado Ballot solidarity with Trump (Forbes) → Clip: Alex Jones on X discussing Trump Colorado situation (X) 36:13   SPACE 30:19 V / 26:53 P New STUNNING Images of Uranus (Mario Nawfal/X via NASA)   DAY JINGLE/V4V/EXEC./supply 39:51 V / 36:25 P   FLIPPY 56:38 V / 53:12 P Veteran raises pint for first time in years thanks to new robotic arm (Islander News)   BITCOIN/POLYTICKS 01:06:14 V / 01:02:48 P Bitwise Reveals Bitcoin ETF Advert Signaling Mainstream Transition (Forbes) → Crypto Super PACs Raise $78 Million, Prepare for 2024 Election Fight (The Street) → Gonz tweet Oct. 2022 → Elizabeth Warren being Community Noted on her post on X   ELON/BEING WATCHED/ELON/ISRAEL 1:21:42 V / 01:18:16: P Israel's CHEQ to help Musk battle bots on X - opinion (J-Post)   SPEAKPIPE/TALENT/TIME 01:34:39 V / 01:31:13 P   DAYS OF NOAH/ALIENS 01:56:34 V / 01:53:08 P UC Davis professor, SETI, has 20-minute ‘conversation' with humpback whale in the wild (KCRA)   V4V/TIME 02:06:53 V / 02:03:27 P END

Rev up your insights into real estate mastery!

Genesis 22:1-14

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Ryan's LinkedIn: https://www.linkedin.com/in/ryancollingwood/In this episode, Scott interviewed Ryan Collingwood, Head of Data and Analytics at OrotonGroup. To be clear, he was only representing his own views on the episode.Some key takeaways/thoughts from Ryan's point of view:Have empathy for yourselves and others in all things you do around data. You won't always get it right the first time. Build the relationships, build the trust to continually drive and iterate towards better.In tech, far too often we hear what people need and provide a poor solution to actually solving their needs. It's focusing on the tech instead of the people.Far too many technical solutions/approaches - e.g. data mesh, data contracts, etc. - are really presented for tech-heavy/forward companies e.g. startups. Most companies, large or small, are not capable to leverage the approaches as presented so they must be adapted for 'the rest of us' companies. Scott note: data mesh is like thisFar too often, these tech approaches focus purely on the tech instead of the people. That's partially because every org has a different culture so you can't cover them all; but if you only follow the approach as presented instead of focus on the people/ways of working in your org, it's far less likely to go well. You've implemented a great technical solution that no wants to or can use.?Controversial?: "What are the trade-offs that I can make, while still being true to the value and the benefits that I want to get out of this?" Scott note: SO important to consider when looking at any technical pattern/approach. What is true to the value of the approach?Data contracts really rely on 3 things: at least two parties, an agreement of some kind that is recorded, and access to data that conforms to that agreement. You can add value building beyond those 3 but you have to start somewhere and you can deliver value with something that only satisfies those 3.?Controversial?: It's hard not to have a sense of imposter syndrome when you actually strip a concept...

NCUA Chairman Todd M. Harper's Written Testimony Before the House Financial Services CommitteeNCUA Chairman Todd M. Harper testifying before the House Financial Services Committee in 2023.Chairman McHenry, Ranking Member Waters, and members of the committee, thank you for inviting me to discuss the work of the National Credit Union Administration (NCUA).The NCUA insures deposits at federally insured credit unions, protects credit union members, and charters and regulates federal credit unions. The NCUA also protects the safety and soundness of the credit union system by identifying, monitoring, and managing risks to the National Credit Union Share Insurance Fund (Share Insurance Fund). In my testimony today, I will discuss the state of the credit union system, recent efforts by the agency to strengthen the system, and several legislative requests.State of the Credit Union SystemThe credit union system over the last year has remained largely stable in its performance and relatively resilient against economic disruptions. However, during the last few quarters, the NCUA has seen growing signs of financial strain on credit union balance sheets and in household budgets. Economists are also forecasting an economic slowdown as the lagged effects of elevated interest rates take hold. Each of these developments could affect credit union performance in the coming quarters.Over the same period, the NCUA has also seen growing stress within the system because of a rise in interest rate and liquidity risks. In fact, this financial stress is reflected in the increasing number of composite CAMELS code 3, 4, and 5 credit unions.1 Assets in composite CAMELS code 3 institutions increased sizably in the second quarter, especially among those complex credit unions with more than $500 million in assets. Such increases may well continue in future quarters. We have additionally seen more credit unions fall into the composite CAMELS code 4 and 5 ratings during the second quarter.Credit Union System PerformanceAs of June 30, 2023, the system's net worth ratio stood at 10.63 percent. There was continued year-over-year growth in assets and lending, with system assets surpassing $2.2 trillion and outstanding loans at more than $1.5 trillion. Although insured shares and deposits decreased slightly compared to the previous quarter, they stood almost 2 percent higher than one year earlier.Second quarter data also demonstrate some indications of growing consumer financial stress. The delinquency rate for loans rose slightly to 63 basis points, although it remains below historic averages. Credit cards and automobile loans, however, show increased delinquency levels at 154 and 67 basis points, respectively. Additionally, net charge-off levels have risen over the last year, returning to pre-pandemic averages.Additionally, funding costs for credit unions have increased significantly in the rising interest rate environment. Credit unions have increased their issuances of time deposits, leading to total interest expenses growing substantially over the year. However, the industry's return on average assets remains sound at 79 basis points. Together, these numbers show the credit union system continues to rest on a solid footing.External Factors Affecting the SystemThe NCUA is closely monitoring the financial markets and the economy as the current environment has created challenges for some consumers and credit unions. Inflation and interest rates are affecting household budgets, which could lead to an increase in credit risk in future quarters. In addition, the prevalence of hybrid work environments has placed pressure on commercial real estate lending. While the credit union system overall has modest exposure to this type of lending, the NCUA is closely monitoring individual credit unions with material exposure to commercial real estate.The rise in interest rates has also increased liquidity and interest rate risks in the credit union system, including at several of the 421 federally insured credit unions with more than $1 billion in assets. Accordingly, the NCUA has emphasized the importance of liquidity risk management and contingency planning in its industry communications and will continue to ensure credit unions conduct liquidity and asset-liability management planning to address current challenges and future uncertainties.With respect to all these risks and to protect the Share Insurance Fund against potential losses, the NCUA will continue to vigilantly monitor credit union performance through the examination process, offsite monitoring, and tailored supervision. The NCUA will also, when appropriate, take action to protect credit union members and their deposits.Share Insurance Fund PerformanceBacked by the full faith and credit of the United States, the Share Insurance Fund provides insurance coverage for individual accounts at federally insured credit unions up to $250,000.2 As of June 30, 2023, the Share Insurance Fund insured $1.7 trillion in deposits and shares. Notably, the Share Insurance Fund protects nearly 92 percent of total share deposits in the credit union system. In comparison, uninsured shares and deposits equaled approximately $160 billion in the second quarter or 8 percent of total share deposits.The Share Insurance Fund continues to perform well, with no premiums currently expected. As of June 30, 2023, the Share Insurance Fund reported a year-to-date net income of $79 million, a net position of $20.3 billion, and an equity ratio of 1.27 percent.3 The NCUA projects that the equity ratio of the Share Insurance Fund will end the year at 1.27 percent, which is sufficient but below the 1.33 percent normal operating level target set by the NCUA Board.Given the liquidity events in 2023, economic conditions, and the growing stress in the credit union system from liquidity and interest rate risks, the NCUA Board decided to build up the liquidity position of the Share Insurance Fund to a targeted amount of $4 billion. The Share Insurance Fund reached that target in September. The NCUA Board continues to monitor liquidity in the Share Insurance Fund.State of the Central Liquidity FacilityThe COVID-19 pandemic, inflationary pressures, interest rate volatility, and liquidity risk have all underscored the importance of the NCUA's Central Liquidity Facility (CLF).4 The CLF is an important tool and acts as a shock absorber when unexpected liquidity events occur.Under the NCUA's regulations, credit unions with assets more than $250 million must have access to a federal emergency liquidity source as part of their contingency funding plans. This federal emergency liquidity backstop can be the CLF, the Federal Reserve's Discount Window, or both. Credit unions with less than $250 million in assets are not required to have membership with a contingent federal liquidity source; however, they must identify external sources as part of their liquidity policy.5As of September 30, 2023, the CLF had 399 consumer credit union members, providing $19.8 billion in lending capacity. These credit unions range in asset size from less than $50 million to more than $10 billion. Their access to the CLF helps protect approximately $360 billion in credit union members' assets.The more members the CLF has, the more effective it is as a liquidity facility. As of December 2022, the CLF had a much greater total membership of 3,673 consumer credit unions with a combined $537 billion in member assets and a lending capacity of $27.5 billion. This rapid decline in membership assets followed the expiration of the temporary statutory enhancements that: Increased the CLF's maximum legal borrowing authority; Permitted access for corporate credit unions, as agent members, to borrow for their own needs; Provided greater flexibility and affordability to agent members to join the CLF to serve smaller groups of their covered institutions; and Gave the NCUA Board the clarity and flexibility about the loans it can approve by removing the phrase, “the Board shall not approve an application for credit the intent of which is to expand credit union portfolios.” Among other benefits, these statutory provisions facilitated agent membership of corporate credit unions. These enhancements, however, ended on January 1, 2023, resulting in 3,322 credit unions with less than $250 million in assets losing access to the CLF. Consequently, the CLF's borrowing capacity has decreased by almost $10 billion.To address this expiration and growing liquidity risks, the NCUA Board has unanimously requested that Congress allow corporate credit unions to purchase capital stock in the CLF to help smaller credit unions access to the facility. This change would make the CLF more affordable for corporate credit unions subscribing for a subset of their members. The Congressional Budget Office has scored the CLF reforms at no cost to taxpayers.6NCUA's Efforts to Protect and Strengthen the Credit Union SystemIn recent months, the NCUA has undertaken several actions to respond to cybersecurity risk; support minority depository institutions; enhance the credit union system's and the NCUA's diversity, equity, and inclusion efforts; and consider and adopt new rules to strengthen the system.Enhancing CybersecurityCybersecurity threats within the financial services industry are high and expected to remain so for the foreseeable future. To maintain vigilance against these threats, the NCUA is committed to ensuring consistency, transparency, and accountability in its cybersecurity examination program and related activities.Earlier this year, the NCUA deployed its updated, scalable, and risk-focused Information Security Examination (ISE) procedures. The ISE examination initiative offers flexibility for credit unions while providing examiners with standardized review steps to facilitate advanced data collection and analysis. Together with the agency's voluntary Automated Cybersecurity Evaluation Toolbox maturity assessment, the new ISE procedures will assist the NCUA in protecting the credit union system from cyberattacks.In addition, the NCUA's recently implemented cyber incident reporting rule has proven to be helpful to the agency and credit union industry.7 The final rule requires a federally insured credit union to report a substantial cyber incident to the NCUA as soon as possible but no later than 72 hours after the credit union reasonably believes a reportable cyber incident has occurred. In the first 30 days after the rule became effective, the NCUA received 146 incident reports, more than it had received in total in the previous year. More than 60 percent of these incident reports involve third-party service providers and credit union service organizations (CUSOs).The NCUA also actively communicates with credit unions about the increased likelihood of cyberattacks resulting from geopolitical and other cyber events. Credit unions of all sizes are a part of the U.S. critical infrastructure and should implement appropriate controls in the technology they use to deliver member services.Maintaining Consumer Financial ProtectionAn important part of the NCUA's mission is to examine credit unions with less than $10 billion in assets for compliance with consumer financial protection laws. The agency's consumer compliance efforts are integral to maintaining a safe-and-sound credit union system.In 2023, the agency's consumer financial protection supervisory priorities have included overdraft protection, fair lending, residential real estate appraisal bias, and Truth in Lending Act and Fair Credit Reporting Act compliance. The NCUA also prioritized examining credit union compliance with the Flood Disaster Protection Act, including disclosure requirements.In addition, the agency increased its review of overdraft programs and non-sufficient funds fee practices at credit unions to assess whether providing those services and charging the fees are potentially unfair practices. The NCUA's supervision of the services aims to create a more equitable system that supports financial stability for credit union members, improves transparency, and advances the statutory mission of credit unions to meet the credit and savings needs of their members, especially those of modest means.8Furthermore, the NCUA conducts targeted fair lending examinations and supervision at federal credit unions to assess compliance with federal fair lending laws and regulations. These reviews are critical to identifying discrimination and fostering financial inclusion. In August 2023, the NCUA encouraged the industry to review and comply with previously issued guidance addressing prohibited discriminatory practices in automated underwriting systems. Specifically, the agency encouraged credit unions to review system parameters to ensure compliance with the Equal Credit Opportunity Act and its implementing regulation.In addition to appraisal bias oversight examinations, the NCUA joined with the other Federal Financial Institution Examination Council agencies in June to issue proposed guidance for reconsideration of value for residential real estate valuations. The proposed guidance advises on policies that financial institutions may implement to allow consumers to provide information that may not have been considered during an appraisal or if deficiencies are identified in the original appraisal.As part of its consumer financial protection efforts, the NCUA's Consumer Assistance Center also resolves consumer complaints against federal credit unions with total assets up to $10 billion and, in certain instances, federally insured, state-chartered credit unions. In 2022, the Consumer Assistance Center responded to 10,589 written complaints, 1,842 inquiries, and 30,232 telephone calls from consumers and credit unions concerning consumer financial protection regulations.Finally, the NCUA regularly presents webinars promoting financial literacy and financial inclusion. Over the past year, the agency has hosted webinars on appraisal bias, elder financial abuse, and minority depository institutions. In addition, the agency participates in national financial literacy initiatives, including the interagency Financial Literacy and Education Commission.Supporting Minority Depository InstitutionsSupporting minority depository institution (MDI) credit unions is a longstanding priority for the NCUA. MDI credit unions represent approximately 10 percent of federally insured credit unions, and there are presently 498 such credit unions. These MDIs have more than five million members and exceed $66 billion in assets.In 2015, the NCUA established its MDI Preservation Program and has since sought new ways to assist MDI credit unions, their members, and the communities they serve. In 2022, the NCUA launched the Small Credit Union and MDI Support Program, allocating resources to assist MDIs in addressing operational challenges such as staff training, examinations, and improving earnings. In 2023, the NCUA allocated 10,000 staff hours across its three regional offices for the program.This year, the agency also issued customized guidance to examiners to provide insights into MDIs' unique business models and members' needs. The guidance assists examiners in understanding MDIs' distinct business model compared to other mainstream financial institutions by providing instruction on how to use MDI peer metrics instead of traditional peer metrics.Notably, while MDIs tend to be smaller institutions, they have relatively strong financial performance. As of the end of the second quarter of this year, MDIs averaged about $133 million in total assets, yet their return on average assets and net worth ratios were higher than federally insured credit unions overall and equal to credit unions with assets exceeding $1 billion. Meanwhile, their charge-off levels were consistent with the levels reported for both larger credit unions and credit unions overall.Congress recently authorized all MDIs to be eligible for Community Development Revolving Loan Fund grants and loans. Previously, MDIs required the low-income credit union designation to qualify. In the 2023 grant round, 42 MDIs received more than $1.4 million in technical assistance grants. The amount of funding MDIs received was a five-fold increase from the level of funding provided in 2022.Finally, the NCUA in October hosted an MDI Symposium that discussed how the agency can better serve these institutions. The MDI Symposium brought together MDI credit unions and industry stakeholders to learn about the challenges faced by MDIs. Sessions included case studies of successful MDI business models for replication. The NCUA plans to leverage this information to further support its MDI Preservation Program. And, as part of the NCUA's Diversity, Equity, and Inclusion Summit for credit unions in early November, the NCUA held a session that discussed MDI challenges and strategies for success.Advancing Diversity, Equity, and InclusionThe NCUA is fully committed to fostering diversity, equity, and inclusion (DEI) within the agency and the credit union system.The agency uses data from the Federal Employee Viewpoint Survey, including the Office of Personnel Management's Diversity, Equity, Inclusion, and Accessibility index, to inform its data-driven DEI strategies and activities.9 The agency's internal practices to promote DEI are also wide-ranging. For example, the NCUA's employee resource groups serve more than 30 percent of agency staff, surpassing the industry standard membership goal of 10 percent. Further, the NCUA's special emphasis program educates staff on cultural diversity and provides dedicated support for employees and managers with disabilities.In addition, the NCUA routinely recruits employees with diverse backgrounds and seeks to ensure broad applicant pools for vacancies. These diversity recruitment efforts are aimed at attracting and retaining highly qualified individuals from underrepresented groups, including Hispanics and candidates with disabilities. In 2023, the NCUA conducted a targeted barrier analysis to identify hiring and retention challenges for women and Hispanic employees. In addition, the agency has consistently exceeded the federal employment rate goals for employees with disabilities and targeted disabilities since 2017.10 Slightly more than 59 percent of the NCUA's managers are women.The NCUA has additionally built a diverse supplier network to obtain innovative solutions and the best value, particularly in technology and IT solutions. During 2022, the agency awarded $32.8 million of reportable contract dollars to minority and women-owned businesses. That figure represents 45 percent of the agency's contracting dollars, an increase of 8 percentage points from the prior year.Credit unions may also assess their DEI policies and programs through a voluntary credit union diversity self-assessment offered annually.11 Credit union submissions of their self-assessment have no bearing on their CAMELS rating, and examiners cannot access the data. The NCUA reports credit union diversity data only in the aggregate. The agency encourages credit unions to use this tool to support their DEI efforts.In 2022, 481, or 10 percent of all credit unions, submitted a self-assessment. The figure represents an all-time high for submissions to the NCUA. Of those submissions, 302 were federally chartered credit unions, 178 were federally insured and state-chartered, and one was a non-federally insured, state-chartered credit union. The number of CUDSA responses in 2022 is twice as much as the 240 self-assessments submitted in 2021.Finally, to support credit union accomplishments in DEI and provide further guidance, the NCUA hosted its fourth DEI Summit in Washington, D.C., in early November. This now annual event provided a forum for hundreds of credit union stakeholders to network, share best practices, and meet with thought leaders on ways to expand their DEI efforts. The event also highlighted the importance of allyship in helping to achieve the NCUA's and credit unions' DEI goals and improve the financial prospects and futures of families across the country.Rulemaking ActivitiesSince May, the NCUA Board has engaged in several rulemakings on topics like MDI preservation, member expulsion, financial innovation, fair hiring, and charitable donations. These rulemakings have aimed to implement laws required by Congress and strengthen the credit union system.In May, the NCUA Board approved a proposed rule that would add “war veterans' organizations” to the definition of a “qualified charity” that a federal credit union may contribute to using a charitable donation account. The NCUA Board approved the proposed rule noting the attributes of “veterans' organizations” as defined by section 501(c)(19) of the Internal Revenue Code are aligned with the purposes of the current charitable donation account rule. A “qualified charity” is a section 501(c)(3) entity defined by the Internal Revenue Code and must be both a non-profit and be organized for a charitable purpose. The final rule will be considered on November 16.In June, the NCUA Board approved proposed changes to the interpretive ruling and policy statement on the agency's Minority Depository Institution Preservation Program. The proposal would amend an existing interpretive ruling and policy statement to update the program's features, clarify the requirements for a credit union to receive and maintain an MDI designation, and reflect the transfer of the MDI Preservation Program administration from the agency's Office of Minority and Women Inclusion to its Office of Credit Union Resources and Expansion. Proposed amendments to the interpretive ruling and policy statement also include incorporating recent program initiatives, providing examples of technical assistance an MDI may receive, establishing a new standard for MDIs to assess their designation periodically, and updating how the NCUA will review an MDI's designation status, among other changes. This rule is pending.Additionally, the Board finalized a rule in July to implement requirements of the Credit Union Governance Modernization Act of 2022.12 This regulation streamlines procedures for credit unions to expel a member in cases of serious misconduct.In September, the NCUA Board approved a financial innovation final rule that provides flexibility for federally insured credit unions to utilize advanced technologies and opportunities offered by the financial technology sector. The final rule specifically provides credit unions with options to participate in loans acquired through indirect lending arrangements and financial technology. With the adoption of this final rule, the limits previously found in the NCUA's regulations are replaced with policy, due diligence, and risk-management requirements that can be tailored to match each credit union's risk levels and activities.Lastly, the NCUA Board in October approved a proposed rule that would incorporate the NCUA's Second Chance Interpretive Ruling and Policy Statement, and statutory prohibitions imposed by Section 205(d) of the Federal Credit Union Act into the agency's regulations. This proposed rule would allow people convicted of certain minor offenses to work in the credit union industry without applying for the NCUA Board's approval. It would also amend requirements governing the conditions under which newly chartered or troubled federally insured credit unions must notify the NCUA of proposed changes to their board of directors, committee members, or senior executive staff. The comment period closes on January 8, 2024.Legislative RequestsWhile the credit union system continues to perform well overall, several amendments to the Federal Credit Union Act would provide the NCUA with greater flexibility to effectively regulate the credit union system and protect the Share Insurance Fund in light of an evolving economic environment, a changing marketplace, and technological advancements.Central Liquidity Facility ReformsAs noted previously, the NCUA Board unanimously supports a statutory change to restore the ability of corporate credit unions to serve as CLF agents on behalf of a subset of their member credit unions. Such legislation would better allow the CLF to serve as a shock absorber for liquidity events within the credit union system.On February 28, 2023, lawmakers introduced bipartisan legislation that would allow corporate credit unions to purchase CLF capital stock on behalf of a subset of their members.13 This legislation would permit corporate credit unions to contribute capital to provide coverage for smaller members with less than $250 million in assets. Liquidity risks within the credit union system are rising, and timely consideration of this bill would better protect the credit union system from future liquidity events.Restoration of Third-Party Vendor AuthorityThe risks resulting from the NCUA's lack of vendor authority are real, expanding, and potentially dangerous for the nation's financial infrastructure. Other independent entities, including the Government Accountability Office, the Financial Stability Oversight Council, and the NCUA's Office of Inspector General, have identified this deficiency as inhibiting the NCUA from fulfilling its mission to safeguard credit union members and the financial system. And, it is the NCUA Board's continuing policy to seek third-party vendor authority from Congress.14The agency is working within its current authority to address this growing regulatory blind spot, but it is evident that additional authority is needed. There has also been a shift in credit union leaders' understanding of the value of the NCUA having the same vendor authority as the federal banking agencies. The benefits include credit union access to NCUA examination information when conducting due diligence of vendors, fewer requests from the NCUA to credit unions to intervene with vendors experiencing problems, and fewer losses to the Share Insurance Fund.The potential for such resulting losses to the Share Insurance Fund is real. The NCUA's Office of Inspector General stated that between 2008 and 2015, nine CUSOs contributed to material losses to the Share Insurance Fund. The report noted one of the CUSOs caused losses in 24 credit unions, some of which failed. According to NCUA staff calculations, at least 73 credit unions incurred losses between 2007 and 2020 as losses at CUSOs roll onto credit union ledgers and lead to liquidations.15The absence of third-party vendor examination authority limits the NCUA's ability to assess and mitigate potential risks associated with these vendors. Vendors typically decline these requests or refuse to implement recommended actions. This limitation exacerbates any exposure credit unions have to the operational, cybersecurity, and compliance risks that can arise from these relationships. Without the authority to enforce recommended corrective actions, the NCUA is unable to effectively protect credit unions and their members.Furthermore, the growing reliance on third-party services in the credit union industry poses a systemic risk to the credit union system. Five core banking processors, for example, handle more than 90 percent of the credit union system's assets. A failure of one of these critical third parties could cause hundreds of credit unions and potentially tens of millions of their members to lose access to their funds simultaneously. Such a vendor failure, in turn, may result in a loss of confidence in the financial sector. Ensuring proper oversight is imperative, as CUSOs and third-party vendors are poised to capitalize on financial institutions' growing appetite for artificial intelligence and real-time payment services.If granted third-party vendor authority, the NCUA would implement a risk-based examination program focusing on services that relate to safety and soundness, cybersecurity, Bank Secrecy Act and Anti-Money Laundering Act compliance, consumer financial protection, and areas posing significant financial risk for the Share Insurance Fund.Additional Flexibility for Administering the Share Insurance FundThe recent turmoil in the banking sector, growing liquidity risks within the credit union system, and rising interest rate risk all highlight the need for the NCUA to have additional flexibility for administering the Share Insurance Fund.Specifically, the NCUA requests amending the Federal Credit Union Act to remove the 1.50 percent ceiling for the Share Insurance Fund's equity ratio from the current statutory definition of “normal operating level,” which limits the ability of the Board to establish a higher normal operating level for the Share Insurance Fund. A statutory change should also remove the limitations on assessing Share Insurance Fund premiums when the equity ratio of the Share Insurance Fund is greater than 1.30 percent and if the premium charged exceeds the amount necessary to restore the equity ratio to 1.30 percent.16Together, these amendments would bring the NCUA's statutory authority over the Share Insurance Fund more in line with the FDIC's authority as it relates to administering the Deposit Insurance Fund. These amendments would also better enable the NCUA Board to proactively manage the Share Insurance Fund by building reserves during economic upturns so that sufficient money is available during economic downturns. This more counter-cyclical approach to managing the Share Insurance Fund would better ensure that credit unions will not need to impair their one percent contributed capital deposit or pay premiums during times of economic stress, when they can least afford it.ConclusionThe NCUA stands ready to address the impact of the evolving economic and business cycles within the credit union system. The NCUA will continue to monitor credit union performance and coordinate with other federal financial institution regulators, as appropriate, to ensure the overall resiliency and stability of our nation's financial services system and economy.Thank you again for the invitation to testify about the NCUA's programs and operations. 

Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

DATE:  Sunday, December 17, 2023 TEXT:  Isaiah 63:15-64:12 SPEAKER:  Pastor Craig Jennings

Please Rate and Review us on your podcast app of choice!Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

"Addicted to Growth," the latest episode of my Real Estate Real World Podcast with my bonus son, Joey Crespillo is your ticket to real estate success.

News Full Interview Author Blake Sebring discusses his new book “Brave at Heart” with WBCL News Director CJ Steager. Right click HERE to download, Select download or Save link as “Brave at Heart” book cover. Provided by: Blake Sebring.

News Full Interview Author Blake Sebring discusses his new book “Brave at Heart” with WBCL News Director CJ Steager. Right click HERE to download, Select download or Save link as “Brave at Heart” book cover. Provided by: Blake Sebring.

Alex Jones RETURNS to X, THANKS Elon Musk for ENDING CENSORSHIP on Twitter (00:00) Israel USED U.S. Provided White Phosphorus, WaPo Says; Biden BYPASSES CONGRESS To Arm Bibi (11:35) Harvard President Claudine Gay Accused Of PLAGIARISM; UPenn's Magill RESIGNS After Stefanik Query (27:03) Nikki Haley CRUSHES Biden by 17 PTS in 2024 Poll, Trump SKIPS THE STAND in NY Fraud Trial: Rising (44:44) Hunter Biden Could Face CONTEMPT OF CONGRESS If He Fails to Appear at Deposition (55:24) Behind Bibi Netanyahu's FAILED PLAN To BUY PEACE By Propping Up HAMAS: Zach Beauchamp (01:04:12) Inside the PRO-ISRAEL INFORMATION WAR: Lee Fang (01:16:53) Tucker Carlson LAUNCHING STREAMING NETWORK for $9/ Month: Report (01:27:46) Zelensky Headed To Washington TOMORROW Amidst House QUARREL Over $111B Ukraine Aid Package (01:36:20) Learn more about your ad choices. Visit megaphone.fm/adchoices

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Kate's LinkedIn: https://www.linkedin.com/in/katecarruthers/Kate's 'Data Revolution' Podcast: https://datarevolution.tech/In this episode, Scott interviewed Kate Carruthers, Head Of Business Intelligence at the UNSW AI Institute and Chief Data & Insights Officer at UNSW (University of New South Wales). To be clear, she was only representing her own views on the episode.UNSW is not currently implementing data mesh but are preparing to be able to do so. This is a great lesson in building up the capabilities to move forward towards your goals but not rush.Some key takeaways/thoughts from Kate's point of view:Universities can teach us some really interesting perspectives on self-serve. Because universities are such complex organizations and so many departments are involved in deep investigations in very specific areas, they really are the only domain experts. So enabling them to even just own their own data can be very challenging, let alone helping them share with others safely.Relatedly, each academic researcher is essentially a micro-domain themselves with their own ways of working. That just adds to the need to enable freedom in ways of working but still "keep them safe." Scott note: safety was a key theme of the conversation"At the end of the day, data mesh is about controlling the bits that you need to control, and giving people the freedom to do what they need to do, safely.""Technology is kind of the least of your problems." When it comes to data, be prepared to start with some people not even recognizing there is a problem with the current ways of working or a need to improve. Connect their pain to data immaturity to win them over.The best way to win people over is show, don't tell. Show them the power of self-service instead of pitch them on it. Get a PoC going and get people to tangibly see - and hopefully soon touch - your self-service capabilities early.Always look to anchor your data work - especially...

Jason Shepperd // Hebrews 1:1-4

Jason Shepperd // Hebrews 1:1-4

Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

After hearing concerns from the public, Monterey County supervisors deliberated this week over how much money should go towards immediate relief versus a lengthy list of other projects.

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Benny's LinkedIn: https://www.linkedin.com/in/bennybenford/Iulia's LinkedIn: https://www.linkedin.com/in/iuliavarvara/Nailya's LinkedIn: https://www.linkedin.com/in/nailya-sabirzyanova-5b724310b/Stefan's LinkedIn: https://www.linkedin.com/in/stefan-zima-650229b7/In this episode, guest host Benny Benford, Founder and CEO at Datent - a data transformation focused consultancy/community - and guest of episode #244 facilitated a discussion with Iulia Varvara, Advisory Consultant in Digital and Organizational Transformation at Thoughtworks (guest of episode #268), Nailya Sabirzyanova, Digitalization Manager at DHL (guest of a soon-to-be-released episode), and Stefan Zima, Data Transformation Lead at Raiffeisen Bank International AG (guest of episode #270). As per usual, all guests were only reflecting their own views.The topic for this panel was transformation when it comes to data and data mesh in general but especially understanding how organizational transformation must play a large part in a data mesh implementation to be successful. And that transformation is not simply making changes, it is making _lasting_ changes. Organizational transformation is a crucial aspect of doing data mesh even if it's not spoken about all that often.Scott note: I wanted to share my takeaways rather than trying to reflect the nuance of the panelists' views individually.Scott's Top Takeaways:Transformation means changing something. We aren't starting from scratch. You have to consider the starting points, not only the target end points - and in data mesh, there isn't really an end. Every organization's transformation starting point, whether a data mesh transformation or otherwise, will be unique so adjust your...

Hello Journey through History book group fans, Our book for 12/5/23 in A Journey through History is Lady Tan's Circle of Women DB 115160 by Lisa Se. David Faucheux will be leading our discussion and has provided the below email received from the author Lisa See in the email history with some links regarding the book. Hope to see you at the meeting. Here is the NLS annotation: Lady Tan's circle of women DB115160 See, Lisa Reading time: 13 hours, 6 minutes. Jennifer Lim Historical Fiction Women Bestsellers "According to Confucius, “an educated woman is a worthless woman,” but Tan Yunxian—born into an elite family, yet haunted by death, separations, and loneliness—is being raised by her grandparents to be of use. Her grandmother is one of only a handful of female doctors in China, and she teaches Yunxian the pillars of Chinese medicine, the Four Examinations—looking, listening, touching, and asking—something a man can never do with a female patient. From a young age, Yunxian learns about women's illnesses, many of which relate to childbearing, alongside a young midwife-in-training, Meiling. The two girls find fast friendship and a mutual purpose—despite the prohibition that a doctor should never touch blood while a midwife comes in frequent contact with it—and they vow to be forever friends, sharing in each other's joys and struggles. No mud, no lotus, they tell themselves: from adversity beauty can bloom. But when Yunxian is sent into an arranged marriage, her mother-in-law forbids her from seeing Meiling and from helping the women and girls in the household. Yunxian is to act like a proper wife—embroider bound-foot slippers, pluck instruments, recite poetry, give birth to sons, and stay forever within the walls of the family compound, the Garden of Fragrant Delights. How might a woman like Yunxian break free of these traditions, go on to treat women and girls from every level of society, and lead a life of such importance that many of her remedies are still used five centuries later? How might the power of friendship support or complicate these efforts? Lady Tan's Circle of Women is a captivating story of women helping other women. It is also a triumphant reimagining of the life of a woman who was remarkable in the Ming dynasty and would be considered remarkable today." -- Provided by publisher. Commercial audiobook. Bestseller. From: David F Below is the bit from Lisa See's email reply to me that I wanted to share with the group. I love to join book clubs on Zoom. Unfortunately, I won't be able to join you on that date, because that's my husband's birthday. Since I can't join you, I hope you'll take a look at my web site, particularly the Step Inside the World of Lady Tan section, where I have a lot of photos, videos, etc. Here's the link: https://lisasee.com/step-inside/lady-tans-circle-of-women/#guide Two more things. Lady Tan's Circle of Women was Target's Book Pick for August. I signed all the copies that people can order online. Plus the edition comes with a special essay written by me. I think it's discounted too. I know they still have copies. Here's the link in case your participants want to take advantage of this: https://www.target.com/p/lady-tan-39-s-circle-of-women-a-novel-target-exclusive-edition-by-lisa-see-hardcover/-/A-89091344#lnk=sametab Second, I'm not sure if you'll be interested in this either, but Linda Louie, the owner of Bana Tea, has created a tea package for book clubs that has the teas that are in the novel. The reason they're in the novel is because they're two of my favorite teas! Writers get to do things like that. Here's the link: https://www.banateacompany.com/pages/Lisa-See-Tasting-Kit-2023.html

We often joke that the young people in our lives are the most tech savvy. But teaching them to use that tech properly and safely is the key. The Newfoundland and Labrador English School District's Safe and Inclusive Schools program has released a series of Safe Tech Tips on social media. Gwen Carroll is a Safe and Inclusive Schools Itinerant with the NLESD.

Tune in to the heart of real estate leadership with me and my special guest, the amazing Elizabeth Riley! Real conversations, real connections!   Listen at www.RealEstateRealWorld.com today!

Valerie Wiens, a nurse with a geriatric specialty and a 'sandwich generation' caregiver joins me in this episode. Valerie is a colleague of mine and when I heard her caregiving story, I invited her to be a guest on the podcast. When caregiving, she found herself being pulled in all directions and through the observation of her husband, she learned the importance of boundary setting. By creating boundaries she not only could manage her roles better, but they provided a sense of freedom and gave her the ability to give fully within the boundaries she set. Within her career as a nurse, Valerie is often asked questions of how to navigate challenges facing aging parents. Out of those questions, Valerie put her personal experience, professional knowledge of the healthcare system as well as creative problem-solving into a book called ‘What Do We Do About Mom?'. In addition to writing the book, Valerie is now the owner of Keystone Eldercare Solutions. Through her business she is able to provide care locally in the Comox Valley and remotely – helping guide families in their decision making and identifying problems to solve creatively. Valerie is also proudly certified as a Teepa Snow Care Consultant which is our foundational approach for dementia care. On her days off, Valerie aims to get out in her kayak and stare at blue ocean with her husband Les or their 3+1 grown children if they come join.

Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Sean's LinkedIn: https://www.linkedin.com/in/seangustafson/In this episode, Scott interviewed Sean Gustafson, Director of the Data Platform at Delivery Hero.Delivery Hero has been on the data mesh journey for longer than most organizations, at least over 3 years.Some key takeaways/thoughts from Sean's point of view:It's extremely hard but still important to try to impact your culture through things like your data platform. Who are you trying to make information available to? How do you make it accessible? How do you make data ownership easier?A key role of the data platform is that golden/easy path. Showing people easy ways to accomplish what they need with data products. Embed best practices into the platform when possible.You need a product manager in your data platform team. It's easy-ish to build cool things in data but understanding and building to user needs is harder and a must. Treat your data platform as a product!Relatedly, there isn't anything all that special about product management around the data platform. You can take what we've learned from other disciplines - especially software - and tweak it a bit for data. But it's not some arcane art.Focus on KPIs around what you are building and why, especially for your data platform. It's very hard to measure developer productivity but that doesn't mean you just don't measure it.?Controversial?: Be prepared to deal with a lot of qualitative data when measuring success around your data platform. Surveys work far better than most might think.Good product managers balance the short and long-term. You don't want to make drastic and breaking changes to your data platform often but that doesn't mean you can't take bigger bets and shake things up. Just balance iterative improvements and the bigger picture. Scott note: Zhamak talks about Thomas Kuhn and cumulative progress versus paradigm shiftsIn the same vein, make small bets where small bets will do but don't be afraid to make big bets when necessary.?Controversial?: It...

Lucky Khambule, Movement of Asylum Seekers in Ireland, reacts to the admission that State-provided accommodation for new arrivals is about to run out.

Daniel Simmons

Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

Rory Cellan-Jones talks to Angelique Acquatella, Shan Morgan and Jennifer Dixon about the current status of digital technology adoption in healthcare services, why digital adoption is so slow,  and the opportunities for medtech, individuals and the wider economy.In this episode, experts unpack the barriers and facilitators of digital healthcare. Rory, Angelique, Shan and Jennifer explore the impact of med tech on inequalities, and offer solutions to mitigate risks of digital exclusion in healthcare. Provided healthcare systems focus on long-term priorities and agenda, the speakers highlight that technologies could enhance the quality and effectiveness of care. This episode is hosted by Rory Cellan-Jones (former technology correspondent for the BBC), and features guest experts  Angelique Acquatella (TSE), Shan Morgan (Bennett Institute), Jennifer Dixon (Health Foundation). Listen to this episode on your preferred podcast platformSeason 3 Episode 2 transcriptFor more information about the podcast and the work of the institutes, visit our websites at https://www.bennettinstitute.cam.ac.uk/ and https://www.iast.fr/.Tweet us with your thoughts at @BennettInst and @IASToulouse.With thanks to:Audio production by Steve HankeyAssociate production by Stella ErkerVisuals by Tiffany NaylorMore information about our host and guests:Rory Cellan-Jones was a technology correspondent for the BBC. His 40 years in journalism have seen him take a particular interest in the impact of the internet and digital technology on society and business. He has also written multiple books, including “Always On” (2021) and his latest “Ruskin Park: Sylvia, Me and the BBC” which was published in 2023. @ruskin147Professor Angelique Acquatella is an Assistant Professor at the Toulouse School of Economics. Her research studies the optimal design of health care policy, with two main substantive areas: public health insurance systems and pharmaceutical payment policy.  Angelique's work falls at the intersection of health economics and public finance, combining methods from optimal tax theory with traditional cost-effectiveness analysis in health economics. . @angieacquatellaDr Jennifer Dixon CBE joined the Health Foundation as Chief Executive in October 2013. Jennifer was Chief Executive of the Nuffield Trust from 2008 to 2013. Prior to this, she was Director of Policy at The King's Fund and policy advisor to the Chief Executive of the NHS between 1998 and 2000. Jennifer was appointed as a non-executive board member of the UK Health Security Agency in April 2022.  @JenniferTHFDame Shan Morgan Dame is Chair of the Royal Devon University Healthcare NHS Foundation Trust, which employs around 16,000 staff and provides healthcare services for about 615,000 people. Shan previously worked as the Welsh Government's Permanent Secretary, leading the Civil Service of the Welsh Government in delivering the priorities of Ministers, and had a wide range of roles in the Civil and Diplomatic Service.

Qatar Crumbles Under Modi Threat _ Naval Officers Provided Courtesies _ Sanjay Dixit

Key Points:The rush to categorize all of our tooling in data has caused many issues - we will see a big shake-up coming in the future much like happened in application development tooling.So much of data people's time is spent on things that don't add value themselves, it's work that should be automated. We need to fix that so the data work is about delivering value.We can learn a lot from virtualization but data virtualization is not where things should go in general.Containerization is merely an implementation detail. Much like software developers don't really care much about process containers, the same will happen in data product containers - it's all about the experience and containers significantly improve the experience.The pendulum swung towards decoupled data tech instead of monolithic offerings with 'The Modern Data Stack' but most of the technologies were not that easy to stitch together. Going forward, we want to keep the decoupled strategy but we need a better way to integrate - APIs is how it worked in software, why not in data? Sponsored by NextData, Zhamak's company that is helping ease data product creation.For more great content from Zhamak, check out her book on data mesh, a book she collaborated on, her LinkedIn, and her Twitter. Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereData Mesh Radio episode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or

Timeless wisdom alert! Join Kelly Resendez and me in this throwback episode where we unravel the secrets of knowing your value in real estate. Plus, catch the scoop on Kelly's "Big Voices" network!

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Please Rate and Review us on your podcast app of choice!Get involved with Data Mesh Understanding's free community roundtables and introductions: https://landing.datameshunderstanding.com/If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding. Get in touch with Scott on LinkedIn.Transcript for this episode (link) provided by Starburst. You can download their Data Products for Dummies e-book (info-gated) here and their Data Mesh for Dummies e-book (info gated) here.Contact email: Swimwith[at]gulpdata.comLauren's LinkedIn: https://www.linkedin.com/in/laurencascio/Chris' LinkedIn: https://www.linkedin.com/in/censey/In this episode, Scott interviewed Lauren Cascio, Chief Fish Wrangler, and Chris Ensey, CTO at Gulp Data.From here forward in this write-up, L&C will refer to the combination of Lauren and Chris rather than trying to specifically call out who said which part.Some key takeaways/thoughts from L&C's point of view:?Controversial?: Many organizations have an incorrect perspective that they mostly have a single type of data that's useful for each use case or need. Typically, their data is useful for many more internal use cases and also to organizations in far different industries.Often, there is a lack of a data sharing culture in many organizations. There isn't anyone that really understands how data flows throughout the organization or especially how it _could_ flow to serve many untapped use cases.There are many people emotionally attached to owning their own data but not in the product sense, they are focused on maintaining control rather than structuring it to be shared. So there are organizational challenges to data sharing in addition to technology.Many organizations have a tough time justifying updating their data infrastructure, leading to more and more challenges with progressing their data journey. It's often hard to point to a tangible ROI on updating the data platform for instance.Far too often, companies and LOBs know they want to analyze some information but they don't really know what they are analyzing it for. Instead of shaping data to make specific decisions, there is a focus on the visualization without a clear action in mind once the data tells them something. Drive towards what you care about and use data to answer those questions, the data doesn't...

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Sign up for Data Mesh Understanding's free roundtable and introduction programs here: https://landing.datameshunderstanding.com/Please Rate and Review us on your podcast app of choice!If you want to be a guest or give feedback (suggestions for topics, comments, etc.), please see hereEpisode list and links to all available episode transcripts here.Provided as a free resource by Data Mesh Understanding / Scott Hirleman. Get in touch with Scott on LinkedIn if you want to chat data mesh.If you want to learn more and/or join the Data Mesh Learning Community, see here: https://datameshlearning.com/community/All music used this episode was found on PixaBay and was created by (including slight edits by Scott Hirleman): Lesfm, MondayHopes, SergeQuadrado, ItsWatR, Lexin_Music, and/or nevesf

Picture-perfect listings start here! Join Brad Filliponi for an inside look at "Digital Property Marketing" on "Real Estate Real World."

A Colorado state court judge was so close to banning Trump from the Colorado ballot under the 14th Amendment as an “insurrectionist” against the US, but at the very last moment got hung up on what type of oath the president takes. Michael Popok of Legal AF breaks down why Judge Wallace was wrong and misinterpreted key portions of the constitution and ignored Trump's own admission recently that he is just such a “federal officer” and what will happen next on appeal. Go to https://gutcleanseprotocol.com/LegalAF to watch Dr. Gundry's informative video for FREE Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown Lights On with Jessica Denson: https://www.meidastouch.com/tag/lights-on-with-jessica-denson On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover the key to becoming a multi-passionate real estate entrepreneur with Gogo Bethke on "Real Estate Real World."  Elevate your game and listen now at RealEstateRealWorld.com!

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