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Our heroines do a TERRIBLE job of keeping Linda Blair's character name in check, and one proves that it's probably a good idea she doesn't have any kids. PSA: one does not need to watch the film "Usual Suspects" in preparation of this episode.
A continuation of our series from the Psalms, we look at the familiar and beautiful language of the 23rd Psalm. Psa 23:1 KJV – [[A Psalm of David.]] The LORD [is] my shepherd; I shall not want. Psa 23:2 KJV – He maketh me to lie down in green pastures: he leadeth me beside the […]
Welcome back to another episode of First Take, Her Take! Charly and Elle start off this week's episode with a PSA to everyone who focuses on weight and body image... STOP IT! Then, a quick vibe check on the NBA as the season starts tonight... the ladies tell us what they're most excited for. After that, Evander Kane wants his cake and to eat it too... but that comes with consequences. Lastly, the ladies wrap up with a shoutout to the Chicago Sky and the WNBA as a whole.
Welcome back to another episode of First Take, Her Take! Charly and Elle start off this week's episode with a PSA to everyone who focuses on weight and body image... STOP IT! Then, a quick vibe check on the NBA as the season starts tonight... the ladies tell us what they're most excited for. After that, Evander Kane wants his cake and to eat it too... but that comes with consequences. Lastly, the ladies wrap up with a shoutout to the Chicago Sky and the WNBA as a whole.
Welcome back to another episode of First Take, Her Take! Charly and Elle start off this week's episode with a PSA to everyone who focuses on weight and body image... STOP IT! Then, a quick vibe check on the NBA as the season starts tonight... the ladies tell us what they're most excited for. After that, Evander Kane wants his cake and to eat it too... but that comes with consequences. Lastly, the ladies wrap up with a shoutout to the Chicago Sky and the WNBA as a whole.
Today On On The Radar we were joined by Brooklyn rapper Mori Briscoe right after dropping off his latest project "Running Out Of Time" featuring. Stopping by the show today the rising star spoke about wanting to set better examples for the youth in the city, why he drops so many projects a year, doing more than just drill music, being done with diss records, Bronx & Sample drill + more! Follow Gabe on IG: https://bit.ly/3cpvsEMFollow On The Radar On IG: https://bit.ly/3n3tP1QFollow On The Radar On Twitter: https://bit.ly/2VYj8lmFollow On The Radar on Facebook: https://bit.ly/2VWjJnBFollow On The Radar on Tik Tok: https://bit.ly/2JNPcWIFollow On The Radar On iHeartRadio: https://ihr.fm/39UZUW1Follow On The Radar On Apple Podcasts: https://apple.co/370ITYD#MoriBriscoe #Ontheradar #interview
We discuss rusty social skills and how to comment (or not?) on someone's appearance. Plus, Jenn made a DIY linen spray, we have three “Raise A Wand” suggestions for sensitive skin, and there's lots of news to chat about: the future of fragrance at Parfums Christian Dior and Estée Lauder Companies; Tula Skincare's beautiful PSA-style campaign; and changes to California's training requirements for cosmetologists, hair stylists, and barbers. -- Links and sponsors: fatmascara.com/blog; Shop the products mentioned on this episode: myshlf.us/fatmascara; Private Facebook Group: Fat Mascara Raising a Wand; Social media: @fatmascara, @jessicamatlin, @jenn_edit; Submit a "Raise A Wand" product recommendation and be featured on the show: email info@fatmascara.com or leave a voicemail at +1 646-481-8182. See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/fatmascara.
It's Breast Cancer Awareness month and also the anniversary of when Wendy had breast cancer. Listen in as Megan and Wendy share tried and true tips on how you can help someone going through breast cancer treatment, plus Wendy shares her story and some unqualified advice. But first, how to handle warranted complaints and a teenage topic Wendy is sure to regret this time next year. Want to talk about something mentioned on the show? Have some thoughts or feedback on something we've said? Email the show at meganandwendy@gmail.com. Have You Seen Our Gift Guides? We recently published 23 holiday gift guides to help navigate your gift-giving list. Everything from the griller, to the wine drinker, the Hallmark movie fan, the Disney lover and more. We were sure to include small retailers as well as big ones - lots of options to choose from. Shopping is just a click away - 2021 Megan & Wendy Gift Guide Library One more thing: we're giving away a VISA gift card and a few fun other goodies. All you have to do is find the scavenger hunt image - you'll know it when you see it - in one of our 23 gift guides. Email us at meganandwendy@gmail.com and tell us where you found it and what your favorite gift guide is. This will enter you in a chance to win that VISA gift card. Podcast listeners: we talked about how you could get an extra entry in during today's episode. Mentioned in Episode 47: Supply chain problems in America explainedEpisode 46: Faking It10 Effective Ways to Complain about a Company OnlineWriting helpful Yelp reviewsCongratulations to the 2021 Iris Award Winners. We weren't one of them.You on Netflix (seasons 1-3 available), starring Penn BadgleyA Fresh Tart bakery is the same location as Luke's Diner in Gilmore Girls, in fact a majority of the season was filmed on the WB lot in Los Angeles.You can visit the WB backlot, including Luke's Diner and Love's bakery A Fresh Tart. See our Gilmore Girls Warner Bros tour here. Season 3 also stars Scott Michael Foster who starred in Hallmark Channel's Love, For Real which we reviewed on our bonus Girls Gone Hallmark episode.The Netflix series is based on the books by Caroline Kepnes: You, Hidden Bodies and You Love Me: A You Novel (the last released in April 2021).What is HOCO?A compilation of Homecoming proposals on YouTubeBlame "Prom-posals" for HOCO proposals via The Washington PostMentioned during the Approved section of the podcast:The Pomodoro TechniqueThe Time Timer - visual timer Breast Cancer Ask Me Anything Questions and Mentions What is mastitis?What is a lumpectomy?Breast cancer stages How and where breast cancer spreads to in the bodyIt's normal for one breast to make more or less milk than the otherBreast cancer scarsWhat the removal of ovaries is calledEstrogen fueled breast cancer, estrogen-receptor positive or ER+PSA #1: Don't ask about only having one childBenefits of good nutrition for those with cancerBenefits of exercise during breast cancer treatmentMastectomy vs. lumpectomyScreening procedures after lumpectomy and mastectomy (*according to this article, mammograms are not possible after double mastectomies because there is not enough breast tissue to do a mammogram. Additionally, women who have reconstructed breasts do not have to typically have mammograms.)Who/why you might need a support system when diagnosed with cancer.PSA #2: stay off the internet. You will only find bad stories, worst-case scenarios.Tips for using the internet wisely after a cancer diagnosis.The question Wendy gets asked most often: how can I help my friend/sister/mom/neighbor who has just been diagnosed?Time and attention (not just at the onset of treatment but throughout and at the end as transitioning in a "new normal" can be scary for patients.An offer of child care (i.e. babysitting, carpool, after school care, extracurriculars)Meals (prepared meals, gift cards for food delivery services - especially during treatment times so that there isn't added stres...
Biden's Exec Order mandating vaccines is riddled with violations of law & Constitution. Resistance builds Class action lawsuit against Biden's order has been filed for EVERY branch of the military. What is and is NOT in Biden's orders for federal employees, federal contractors, and private companies and strategies for challenging Supply Chains of Slavery — what is REALLY happening at the ports and why Biden's pronouncements about fixing the bottleneck is nothing but empty virtue signaling Second highest Treasury Official (from Nigeria) says EVERYONE vaccinated is the only acceptable way to “transition” to new economy Coal makes big comeback under Biden after crashing under Trump, in spite of Biden's desire to eliminate it entirely TOPICS by TIMECODE 2:02 Pastors have been told to push the vaccine to their congregation by saying it's “loving your neighbor”. But A woman raped on a train in Philadelphia why other passengers did NOTHING is a picture of society's response to what Big Govt, Big Pharma and Big Hospital are doing 12:59 Defiance Rises Against Vaccine Terrorism. It is not hyperbole — it IS terrorism. But in California 40% of state workers are NOT vaxed (48% of highway patrol). California parents & teachers revolt. Every branch of the military has a lawsuit against Biden dictates. 19:00 Fed Contractor Mandate? How Biden is Gaming the Mandate. The words “vaccine” and “vaccination” are NOT in Biden's Exec Order for federal contractors. Here's what he's doing… 23:29 Police stand up to Lori Lightfoot in Chicago. Judge issues gag order on police union leader. His response — I'm RUNNING for MAYOR 34:58 Chicago Sun Times taunts & mocks the 50% of cops in Chicago who refuse to get vaxed. A campaign of hateful vilification of all unvaxed people by the “media" 41:50 Military Archbishop supports religious exemptions — individual conscience is MORE IMPORTANT than official church leader policy. Here's a sample religious exemption letter from a pastor underscoring that our religious beliefs and conscience are NEVER to be judged by government or employers 56:38 Deputy Secretary of the Treasury (#2 guy) says this “transition” to a new economy requires “EVERYONE” in America and “EVERYONE” around the world be vaccinated. He's quoting Bill Gates' IA2030 1:00:50 Good news as vax mandates hit courts. Two judges, one in CA & one in NY, put temporary restraining orders on mandates 1:28:39 Biden's Exec Order for Federal CONTRACTORS does NOT mention “vaccines” or “vaccination”. This is his devious scheme for pushing mandates on private federal contractors 1:44:04 Kamala Harris cuts PSA that's played in black churches to support McAuliffe. Partisan conservatives are outraged. But the outrage is the so-called “Johnson Amendment”, the unconstitutional attempt to restrict free speech in churches that LBJ got into the tax code decades ago 1:51:12 Military sample letter for religious exemption. 1:53:47 Mark of the Beast. What do we do with this? Will it be obvious? Will it be subtle? Is this it? 2:11:03 Supply Chains of SLAVERY: California Ports Work Stoppage. Why are ships stacking up at ports? Trucks are waiting for DAYS to get product taken off the ships. It's deliberate. Here's what's going on… 2:30:25 Blackouts This Winter from Greenwash Corruption. An engineered energy crisis. Beginning of GreatReset austerity and grid blackout. Biden doubles down on destroying ALL coal generation of power (even though it could be clean). 2:43:36 Unvaxed Barred from Getting Food in Supermarkets. Tyranny & discrimination continue to escalate 2:51:54 Starving Afghan Parents Sell Daughter into Slavery. Will YOU Do the Same? Would YOU sell your children to survive? This is NOT a hypothetical question. Now is the time to DECIDE. Now is the time to ACT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show Or you can send a donation through Zelle: @DavidKnightShow@protonmail.com Cash App at: $davidknightshow BTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7 Mail: David Knight POB 1323 Elgin, TX 78621
* Biden's Exec Order mandating vaccines is riddled with violations of law & Constitution. Resistance builds* Class action lawsuit against Biden's order has been filed for EVERY branch of the military. * What is and is NOT in Biden's orders for federal employees, federal contractors, and private companies and strategies for challenging* Supply Chains of Slavery — what is REALLY happening at the ports and why Biden's pronouncements about fixing the bottleneck is nothing but empty virtue signaling* Second highest Treasury Official (from Nigeria) says EVERYONE vaccinated is the only acceptable way to “transition” to new economy* Coal makes big comeback under Biden after crashing under Trump, in spite of Biden's desire to eliminate it entirelyTOPICS by TIMECODE2:02 Pastors have been told to push the vaccine to their congregation by saying it's “loving your neighbor”. But A woman raped on a train in Philadelphia why other passengers did NOTHING is a picture of society's response to what Big Govt, Big Pharma and Big Hospital are doing12:59 Defiance Rises Against Vaccine Terrorism. It is not hyperbole — it IS terrorism. But in California 40% of state workers are NOT vaxed (48% of highway patrol). California parents & teachers revolt. Every branch of the military has a lawsuit against Biden dictates.19:00 Fed Contractor Mandate? How Biden is Gaming the Mandate. The words “vaccine” and “vaccination” are NOT in Biden's Exec Order for federal contractors. Here's what he's doing…23:29 Police stand up to Lori Lightfoot in Chicago. Judge issues gag order on police union leader. His response — I'm RUNNING for MAYOR34:58 Chicago Sun Times taunts & mocks the 50% of cops in Chicago who refuse to get vaxed. A campaign of hateful vilification of all unvaxed people by the “media"41:50 Military Archbishop supports religious exemptions — individual conscience is MORE IMPORTANT than official church leader policy. Here's a sample religious exemption letter from a pastor underscoring that our religious beliefs and conscience are NEVER to be judged by government or employers56:38 Deputy Secretary of the Treasury (#2 guy) says this “transition” to a new economy requires “EVERYONE” in America and “EVERYONE” around the world be vaccinated. He's quoting Bill Gates' IA20301:00:50 Good news as vax mandates hit courts. Two judges, one in CA & one in NY, put temporary restraining orders on mandates1:28:39 Biden's Exec Order for Federal CONTRACTORS does NOT mention “vaccines” or “vaccination”. This is his devious scheme for pushing mandates on private federal contractors1:44:04 Kamala Harris cuts PSA that's played in black churches to support McAuliffe. Partisan conservatives are outraged. But the outrage is the so-called “Johnson Amendment”, the unconstitutional attempt to restrict free speech in churches that LBJ got into the tax code decades ago1:51:12 Military sample letter for religious exemption. 1:53:47 Mark of the Beast. What do we do with this? Will it be obvious? Will it be subtle? Is this it?2:11:03 Supply Chains of SLAVERY: California Ports Work Stoppage. Why are ships stacking up at ports? Trucks are waiting for DAYS to get product taken off the ships. It's deliberate. Here's what's going on…2:30:25 Blackouts This Winter from Greenwash Corruption. An engineered energy crisis. Beginning of GreatReset austerity and grid blackout. Biden doubles down on destroying ALL coal generation of power (even though it could be clean).2:43:36 Unvaxed Barred from Getting Food in Supermarkets. Tyranny & discrimination continue to escalate2:51:54 Starving Afghan Parents Sell Daughter into Slavery. Will YOU Do the Same? Would YOU sell your children to survive? This is NOT a hypothetical question. Now is the time to DECIDE. Now is the time to ACTFind out more about the show and where you can watch it at TheDavidKnightShow.comIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughZelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Mail: David Knight POB 1323 Elgin, TX 78621
John 18:36-38 Jesus replied, “My kingdom is not from this world. If my kingdom were from this world, my servants would be fighting to keep me from being handed over to the Jewish authorities. But as it is, my kingdom is not from here.” Pilate said to Jesus, Then You are a King? Jesus answered, You say it! [You speak correctly!] For I am a King. [Certainly I am a King!] For this reason I was born, and for this reason I came into the world, to TESTIFY to the Truth. Everyone who is of the Truth [who is a friend of the Truth, who belongs to the Truth] hears and listens to My voice. And Pilate said to Him, WHAT IS TRUTH? Here We Are. America has pulled the pin from the grenade, and I hope we haven't tossed away the pin yet. ----more---- When I was a kid and thought of the 21st Century I envisioned The Jetsons. When I became a Christian I envisioned the apocalyptic world of the Last Days. But now Here We Are. And the Apocalyptic Seeds we've been sowing, have broken the ground, sprung up, and are producing its fruit of chaos. And finally many people are waking up to the realization of where we are. Yet many more are diving into the deep sleep of deception. Conflict is in the air, as all the moral, political, and religious skirmishes of the past 100 years are now consolidating into WAR Against THE TRUTH. The 2 Streams In November of 2019 GOD gave me a vision which I preached on that Dec. 15th called, The 2 Streams… (From The 2 Streams) This emerging obstruction is made up of all the lusts, deceptions, and lies of the world that capture and divert Christian's lives away from THE TRUTH of GOD's Word. It's arising to become the great Rock Of Division, that will produce the Great Falling Away, and split the River into 2 STREAMS… The LEFT Stream will divert out into the wilderness and evaporate into the world. They are losing their appetite for THE TRUTH, and their increasing diet on the things of the world is killing their faith. As they increasingly convert to the Sinful Trends of Society, they're becoming bored with the Bible, and ashamed of THE TRUTH they were once a part of. But the world will love and embrace them. Paul writes, warning us of this day… 2Tim. 4:3-4 For a time is coming when people will no longer listen to sound and wholesome teaching. They will follow their own desires and will look for teachers who will tell them whatever their itching ears want to hear. They will reject THE TRUTH and chase after myths. 2Thess. 2:10-12 (Antichrist) will use every kind of evil deception to fool those on their way to destruction, because they refuse to love and accept THE TRUTH that would save them. Therefore God sends them a strong delusion, so that they may believe what is false. Then they will be condemned for enjoying evil rather than believing THE TRUTH. When churches, called to be the Salt of the earth and Light of the world, abandon THE TRUTH, TRUTH falls in the streets of society…. Is. 59:14 And judgment is turned away backward, and justice stands afar off: for TRUTH is fallen in the street, and equity (straightforwardness, uprightness) cannot enter. Loudoun County VA School Board mandates Transgender bathrooms, covers up resulting sodomy rape of girl by dress-wearing boy. Then denies it when confronted by angry father, and has him arrested at school board meeting, while rapist remains in school and sexually assaults another girl. Psa. 11:3 If the foundations be destroyed, what can the righteous do? We are the stewards of THE TRUTH…. 1Tim. 3:14-15 I am writing these things to you now, even though I hope to be with you soon, so that if I am delayed, you will know how people must conduct themselves in the household of God. This is the church of the living God, which is the pillar and foundation of THE TRUTH. Back To Pilates Question… The 2 Popular modern definitions of TRUTH… 1. The perspective of an individual's experience & opinion: Your Truth…My Truth. 2. The collective judgment of cultural consensus: America is evil…There are many genders These popular definitions of Truth are corrupt because they are limited to the trending state and desires of the fallen world. For Truth to be REAL it must flow from REALITY. Experience doesn't define THE TRUTH. THE TRUTH judges Experience. THE TRUTH Answers all questions. A Real Definition of TRUTH… The Reality of GOD, His Purpose and Creation. Psa. 31:5 Into thine hand I commit my spirit: you have redeemed me, O LORD GOD of TRUTH. THE TRUTH is Light. It illuminates, uplifts, exposes lies, and corrects error. THE TRUTH is Moral. It inspires, guides, loves, redeems, and judges. THE TRUTH is more than one's Experience & Perspective. It's the PURPOSE for Reality. When Jesus told Pilate that He came to TESTIFY to the Truth He was saying… I AM the THE TRUTH manifest in its highest form, revealing the Father's Purpose, Love, Grace, and Judgment, in perfect balance. THE TRUTH Speaks For Itself! I have come into the world, to bear witness to THE TRUTH. I AM declares What IS. For how can people, who can't change one hair on their head by Thinking, be the source of Truth? John 14:6 Jesus said….I am THE TRUTH… John 8:32 And you will know THE TRUTH, and THE TRUTH will set you free. Because submitting to THE TRUTH produces Alignment with Reality, without THE TRUTH there can be No Freedom. Only the anarchy of one's will over another. If Knowing THE TRUTH leads to salvation, and people no longer believe THE TRUTH exists, then we need to get busy and repair that error. People who realize they're living in a world of lies, become hungry for freedom, and thus hungry for THE TRUTH. 2Cor. 13:8 For we cannot do anything against THE TRUTH, but only for the truth. The Unassailable TRUTH! What you do against THE TRUTH only damages yourself and others. Pilate is the Modern Man. He lives without THE TRUTH like a pinball in a moral vacuum. With all his decisions being guided by the forces of circumstance, he exists in a state of Vertigo. In contrast David writes, “I have chosen the way of TRUTH and faithfulness; Your ordinances have I set before me. (Psa. 119:30) The LORD is near to all who call on him, to all who call on him in TRUTH. (Psa. 145:18) Jesus in His prayer for us said… John 17:17 Sanctify them (free them from bondage to the futility of lies) in THE TRUTH; your word is TRUTH. Everyone who is of the Truth [who is a friend of the Truth, who belongs to the Truth] hears and listens to My voice.
PSA is back! New stories and great questionable advice, don't miss out and keep up! Problems of a Semi Adult Season 2
Jay Campbell has a lived a varied life - he played college and professional basketball, had an appearance in "Forrest Gump" and is now an author and health expert. On the show this week Jay discusses some of the science in men's health, including therapeutic testosterone, peptides and more. Jay clearly knows his stuff as you will quickly find out... enjoy the chat!https://jayccampbell.com/ TKMC Discord: https://discord.gg/kPDn4NwPlease help us get the word out by sharing about our podcast with your friends and family. You can use the share buttons on the player on our website if you would like to send them a link directly.You can also use the Subscribe button to make sure you don't miss an episode if you're using the web player.You can reach us a number of ways:Email: KetoMansClubPodcast@gmail.comWebsite: http://www.TheKetoMansClub.comLeave a voicemail comment or question by calling 512-518-6161InstagramPodcast: @ketomansclubpodcastChris: @DuckmanketoJim: @JiminmanjrAlberto: @el.KetoCholo
The Lakers' preseason is officially in the books after a 116-112 loss to the Sacramento Kings, the sixth loss in as many tries before the real games begin. (ALL HAIL 0-6!!!) But that last go-around wasn't entirely negative. To begin, this was arguably the best individual game each for LeBron James, Anthony Davis and Russell Westbrook, and without question their best as a trio. For that matter, DeAndre Jordan (in by far his best showing as a Laker), Carmelo Anthony, Dwight Howard, and Austin Reaves all enjoyed some nice moments. On balance, it was the best the Lakers have looked, period. That said, as one might expect after a loss, it also wasn't all peaches and cream, especially on the defensive end, where the Lakers remain somewhere between "inconsistent" and "a flat out mess." Plus, the health of several important players is still unknown, and the already low continuity from last year has been exacerbated. So what are the Kamenetzkys' big takeaways from the preseason, and how ready do they think the team is for the regular season to kick off next week? They discuss. Plus, praise for Reaves, and a PSA of sorts about Jordan. Hosts: Andy and Brian Kamenetzky SEGMENT 1: A recap of the final preseason game, and in particular, Westbrook's night and progress with the Lakers. SEGMENT 2: How ready do the Lakers seem for the season to begin? SEGMENT 3: A plea to stop complaining about Jordan every second he's on the court. Plus, can Reaves actually hang in an NBA rotation? Support Us By Supporting Our Sponsors! SweatBlock Get it today for 20% off at SweatBlock.com with promo code LockedOn, or at Amazon and CVS. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
It's impossible to deny the charm of HARVEY, because if you do, you're choosing ‘smart' over ‘pleasant.' Of those two, you know which we'd recommend. The titular non-character might be described as an invisible, six-foot-three-and-a-half-inch, anthropomorphic rabbit, but Harvey is so much more than a “benign but mischievous creature”: it's a highlight of the inherent value of personhood, an appeal to consciousness of the other, and a rejection of the bourgeois pressures of society – all wrapped in an all-time Jimmy Stewart performance. For a generation of people (including many of us) that came of age amid a cultural wave that deified sourness, pretense, and irony, its warmth and crucial insistence on pleasantness elevates it above feel-good cinema and into a personal entreaty. Follow us on Twitter at https://twitter.com/trylovepodcast and email us at trylovepodcast@gmail.com to get in touch! Buy tickets and support the Trylon at https://www.trylon.org/. Theme: "Raindrops" by Huma-Huma/"No Smoking" PSA by John Waters. Music: “Hippy Hippy Hop” from HARVEY (sung by Aileen Carlyle as Miss Tewksbury). 0:00 - Episode 140: HARVEY (1950) 5:37 - The episode actually starts 8:00 - The Patented Aaron Grossman Summary 9:55 - Jason's thoughts 15:12 - Cody's thoughts 19:46 - Harry's thoughts 25:29 - Aaron's thoughts 29:49 - Empathy vs. society 34:21 - The Ghibli-like scene where Elwood peaks 41:01 - Elwood as catalyst for social consciousness 44:19 - The mystery of Harvey the pooka 50:29 - Could've been edited as a horror film à la THE BABADOOK (2014) 52:26 - What makes Harvey more than a coping mechanism for Elwood's grief 55:53 - Should they have shown the rabbit? 57:39 - The implications of Harvey being real 1:00:11 - Final thoughts 1:04:17 - Cody's Noteys: Force of Rabbit (trivia)
Yandere season has descended upon the Trash Manga Friends as we talk shop on Tsubasa, You're My Killer Match, a cancelled before it's time manga about trying to discover who your beloved is before they kill everyone you know. And Phil delivers a very important PSA. ~ Welcome to That Time I Started A Podcast To Read Trash Manga With My Friends And Actually Most Of Them Were Trash But Some Of Them Weren't! Or The Trash Manga Friends Podcast, for short. Every fortnight, Sean, Mike and Phil cover a manga (or sometimes webtoon!), and discuss the first two volumes, looking at the good, the bad... but mostly, the trash. Will we find some gems amongst the junk? Or just slip further into the trash pile? ~ Follow us on Twitter @TrashMangaCast - https://twitter.com/trashmangacast Follow Sean on Twitter @Slazoking - https://twitter.com/Slazoking Follow Mike on Twitter & Twitch @Bersekrer - https://twitter.com/Bersekrer - https://www.twitch.tv/bersekrer Follow Phil on Twitter @PheNaxKian - https://twitter.com/PheNaxKian
Joe and Shawn are back on track to preview the Week 6 matchups. First, they hand out the Bridgewater of the Week Award they missed on last episode. After going through all the games, they pick out the 3 they're excited to see and their Todd Packer Game of the Week. Then they discuss what they think, what they know, and what they can prove. At the end, they discuss the NFL's devolving relationship with women as well as a PSA to reach out for help if you feel you need it. Stay safe where you are! Follow our https://www.youtube.com/channel/UC2ztKcwf4ShB2zLluSroUCA (YouTube Page) for all our videos! (Be sure to Subscribe to be notified in the future!) Follow Shawn https://twitter.com/sHawInigan23 (@sHawInigan23) & Joe https://twitter.com/JoeMcDonnellOOB (@JoeMcDonnellOOB) on Twitter Follow Out of Boundz on https://www.instagram.com/outofboundzpodcast/ (Instagram) https://www.angrywhitedad.com/podcasts/?utm_source=oob-pod&utm_medium=podcast&utm_term=&utm_content=oob-episode&utm_campaign=external-links (AWD's Out of Boundz Page for all episodes) https://linktr.ee/OutOfBoundzPodcast (Linktree) for all content links Out of Boundz Podcast https://www.angrywhitedad.com/podcasts/out-of-boundz-podcast/out-of-boundz-glossary/?utm_source=oob-pod&utm_medium=podcast&utm_term=episode&utm_content=&utm_campaign=episode-link (Glossary of Terms) Out of Boundz Podcast https://www.angrywhitedad.com/podcasts/out-of-boundz-podcast/qb-stock-prices/?utm_source=oob-pod&utm_medium=podcast&utm_term=episode&utm_content=&utm_campaign=episode-link (QB Stock Values) This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy Support this podcast
Everything old is new again on this week's Gamecast. GTA III, San Andreas, and Vice City get packaged and remastered. G4TV attempts a comeback. Metroid Dread releases and brings back 2D Metroid. Nickelodeon All Stars Brawl brings back retro Nicktoons, but not their voices. Also, Sega loses Yakuza leaders, and we give a PSA about the OLED Switch's screen protector. #metroiddread #gtatrilogy #nickelodeonallstarsbrawl #yakuza #sega #nintendo #switcholed #g4 #g4tv #games #videogames #gamecast #allyoucangeek #aycg
First Caller of the Day (Sara calls with an important PSA)
We are honored to have the third 3252 President + VP (KC + Su) stop by the backyard for their first official State of the Union. We spill some tea and wine to talk 3252 priorities during their term, weird church Halloweens, and we end with a PSA from our new president to PUT YOUR PHONES AWAY when in the North End. Thank You.
In this video, I will be showcasing the top percentage gainers tracked on Card Hedge, one of the fastest-growing sports card pricing tools available today. Having an accurate pricing tool allows me to track cards in my collection and watch cards I am looking to buy. Tracking cards from PSA, SGC, BGS, CSG, HGA and raw, allows our users to get a crystal clear picture of what cards make sense for them to buy! Get your 7-Day Free Trial at https://www.cardhedger.com/?via=jon #sportscardinvesting #cardhedge #investinginsportscards --- Send in a voice message: https://anchor.fm/jdssportscards/message
Hey girl! PSA!!! Vagina rehab isn't just all kegels. And if you're doing kegels every day just for fun...please stop, with love. Today, I am chatting with one of my favorite people, Janelle Howell who is a pelvic physical therapist specializing in women's health. If you are a vagina owner, you need these gems, seriously. We are chatting about everything from painful sex to orgasms, constipation, pregnancy...and how they all have the potential to impact the strength of your pelvic floor and the other way around too. So listen up and share with a friend who needs this! The Flourish Heights Podcast was made for women, by women. To be empowered in health starts with a true connection with your body. Join Valerie Agyeman, Women's Health Dietitian as she breaks through topics surrounding periods, women's nutrition, body awareness, and self-care. About Janelle Howell: Janelle Howell is a Doctor of Physical Therapy specializing in pelvic floor muscle function. She treats in Chicago, IL, and enjoys helping women recover from traumatic birthing experiences, urinary incontinence, painful sex, and constipation. She received her doctorate in physical therapy from the University of the Pacific in 2015 and then completed a women's health residency at Loyola University Medical Center, leading to her board certification in women's health physical therapy. She also enjoys preaching, traveling, baking, and teaching women how to achieve their happiest and healthiest selves. Connect with Janelle: Instagram: @vaginarehabdoctor Stay Connected: Is there a topic you'd like covered on the podcast? Submit it to hello@flourishheights.com Say hello! Email us at hello@flourishheights.com Subscribe to our quarterly newsletters: Flourish Heights Newsletter Visit our website + nutrition blog: www.flourishheights.com Follow us on social media: Instagram: @flourishheights Facebook: @flourishheights Twitter: @flourishheights Want to support this podcast? Leave a rating, write a review and share! Thank you!
This week: A PSA for EIDL extensions, USJ and The Pokemon Company announce partnership, Six Flags Magic Mountain works with Clear, Prices for Lighting Lane Released, plus a roundup of new openings.
Max started his career in 2003 where he worked as a multi-family broker before transitioning over to acquisitions for large multi-family assets. Max has placed money for high-net-worth individuals and various institutions. He has structured over 700M in multifamily real estate transactions in his career. Max leads acquisitions and investor relations for Geometric. Max began his career in the multifamily industry in 2003 where he worked as a broker working with Buyers and Sellers of multifamily real estate to achieve their investment goals. In 2006, Max began working with Fowler Property Acquisitions, a leader in the real estate industry for multiple real estate product types. At Fowler Property Acquisitions, Max oversaw acquisitions for Arizona, Southern California, and Nevada for office and multifamily properties where he acquired over $85 million in assets. Max also served as Vice President for Pacific Urban Residential, a prominent West Coast multifamily owner/operator with 10B+ in assets under management, where he oversaw all acquisitions opportunities in the San Diego market.Max oversaw the acquisition, redevelopment, or renovation of over $430 million in closed transactions for Pacific Urban's multifamily large value-add and core-plus accounts. Through his career, Max has worked through each aspect of the real estate acquisitions process, including acquisitions, dispositions, PSA negotiation, underwriting, debt structuring, construction management, asset management, and due diligence through a successful close, which has successfully closed over 3200 units. Max is a graduate of Westmont College. During his time at Westmont, he completed his degree in Economics and Business, worked at Mother Teresa's Hospital for the Destitute and Dying in Calcutta India, and achieved the rank of National Champion in Track & Field. Max lives with his wife and two German Shepherds in Newport Beach. They are expecting their first child in January. He loves the arts and learning about new technologies.Join Our Passive Investor NetworkDownload Our Passive Investor Guide to Multifamily SyndicationsWE DISCUSS:How he got started in the real estate space right after college.How he transitioned into acquisitions.His experience in working for a larger firm during the recession.The type of assets he worked with during the latter half of his career.Why he transitioned to focus on building his personal equity.The structure of his new business.Why he thinks there's never a right time for a career or business transition.What's next for his business and the markets he's focusing on.His advice on raising capital and building an investor pool.KEY QUOTE:“You shouldn't be calling asking for money, you should be calling looking for advocates for your business.”CONNECT WITH OUR GUEST:Website: https://geometricre.com/Phone: (949) 892-7659Email: mgonzales@geometricre.comCONNECT WITH US! Visit our Website: https://www.canovocapital.com/podcastConnect with us on Facebook: https://www.facebook.com/apartmentinvestingjourney/?modal=admin_todo_tourFollow us on YouTube: https://www.youtube.com/channel/UCpmNIzpEzxGn5ZuNgjAVV-w/featuredFollow us on
Credits: 0.25 AMA PRA Category 1 Credit™ CME/CE Information and Claim Credit: https://www.pri-med.com/online-education/podcast/frankly-speaking-cme-245 Overview: When your patient has an elevated screening PSA level, your first inclination may be to refer for a biopsy, but have you considered obtaining a pre-biopsy MRI? In this podcast, we will review the appropriate management for an elevated screening PSA. You'll want to hear about the new benefit of obtaining a pre-biopsy MRI to guide diagnostic procedures. Episode resource links: NEJM July 9, 2021; DOI: 10.1056/NEJMoa2100852 Urology 2016 Apr;90:32-7. doi: 10.1016/j.urology.2015.11.046 Guest: Frank J. Domino, MD Music Credit: Richard Onorato
This week: A PSA for EIDL extensions, USJ and The Pokemon Company announce partnership, Six Flags Magic Mountain works with Clear, Prices for Lighting Lane Released, plus a roundup of new openings.
The inspection contingency period is a crucial step in buying a new property. Doing your homework here can make or break a deal. Overlooking issues in the inspection report can potentially leave you with thousands of dollars of repairs in the near future and eat up that precious cash flow. In this episode, we pull up inspection reports on homes that we have either bought or are currently looking at purchasing. We walk through the reports, point out the most concerning issues, and discuss how to go about addressing them to best position ourselves in these deals. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals. Hey, everyone, Emil: Welcome back for another episode of The Remote Real Estate Investor. My name is Emil Shour. And today I'm joined by Michael: Michael Albaum Pierre: And Pierre Carrillo Emil: And in today's episode, we're gonna be talking about inspection reports. And instead of giving you guys kind of just high level overviews and hypotheticals, we're actually each going to pull out a recent inspection report on a property that we've either looked at or purchased and walk you through our thought process as we were looking at the different items and how we approached each one. And so hopefully that can help you feel more confident when you're looking at your next inspection report. So let's get into this episode. All right, so I'm going to kick this one off, and I'm going to cover the inspection report from the triplex that I bought back in November of 2020. So let's pull it up. And I'll walk everyone through all the different things that we saw come up, and my thought process as we were going through each item. Alright, so this is the inspection for for the triplex that I recently bought back in November. And what I'm going to do is I'm gonna walk you through some of the things that are common in in an inspection report, and the things that I find that I think are worth exploring more versus things that I think aren't a super big deal. And obviously, these are just relevant for me, but walking you through my thought process. Alright, so the first thing I want to point out again, is is the inspectors job is to literally point out any potential oddity or you know, thing that doesn't look exactly 100%. Right. So here you can see that looks like the lock isn't lining up correctly. And there seems to be something with this top lock as well, maybe it's not like fully fastened, I think is what he wrote. So these things, these are minor, these are all things that we can, you know, probably take care of when we have a turn come to or if the tenant complains about it, we can just get it taken care of. These are minor, not a big deal. For me. This was the first thing that really stood out to me when I was a valuing this property. So the ceiling at the first floor bathroom of one side of the property has an active wet stain. And so it looks like there was a toilet issue that they referenced here later. It was actually the toilet on the second floor wasn't secured properly. And there was a small leak from the top floor of the second. So the first thing I did actually, when I saw this, you know leaks are are never something to be taken lightly. So the first thing I did is I contacted the inspector, you know, I had his number and I just asked him like, you know, how, how bad is it? What do you think, in terms of damage and potential here, he didn't sound super concerned about this, when I spoke to him, he made it sound like you know, you just got to get that that toilet fix, it's not super bad, you just have to, you're gonna have to patch the wall, repaint it, and you should be okay. And this was something I was comfortable with proceeding. You know, this could spook a lot of people away. But for me, you know, water leaks, especially on a property this property is 100 years old, not uncommon. So we ended up just to kind of bring the story full circle on this one, we ended up replacing the toilet day one after we took over and got the ceiling patch repaired and haven't heard of any leaks since. So it looks like this has been taken care of. Michael: Emil, you did something here that I really want to draw attention to and applaud you for not that you need any ego boost, but you picked up the phone, and you call the inspector. And I think too many people don't do that. And there's a reason the inspector provides their contact information. It's so you can call them and ask these types of follow up questions. Because if someone just sees a leak, or a wet spot in the ceiling, their mind can run. And they can tell you know, the inspector can tell you what they think the other report but actually hearing the intonation in their voice hearing. Like you said he didn't sound super concerned, that's different, conveyed via speech than via text that you're reading on a page. So I love that you did something that I also do, because a picture is worth 1000 words, hearing it from the horse's mouth so to speak, can be worth 10,000 words. Emil: Right? And you know, especially as us investing remotely like we're relying on our people, locally, our inspectors all these people to really give us a full picture since you know we may or may not be there to view it ourselves. So this is something I just you know, want to talk to About it's also this guy's putting a full report together, he's not going to write me, you know, four paragraphs on how he actually feels. But if I call him, he'll give me that info if I asked for it. So always helpful to pick up the phone. Okay, so here are a couple things that I mentioned earlier, this was the toilet that was leaking, we replace it with a low flow toilet, so that he would save on the water bill and be obviously we needed to fix the toilet because it was an active leak. So the inspector also mentioned here a kitchen faucet that was kind of loose, we actually just did a turn on this, this unit and we replaced the entire cabinetry and secured the faucet. So we're good to go. These are all again minor things that I knew we could get taken care of. Once we do a property turn, I bought this property knowing a couple of the units were under market rent. So I figured we were going to have a couple turns coming soon anyway. So all these small things didn't seem like a big deal to me, because we were going to have to make a bunch of repairs to clean the unit up before releasing it. Okay, another big one in the inspection report this furnace. So this furnace got called out I believe, they said that it will, the unit did fire up and respond as expected when the thermostat called for heat. But budgeting for replacement in the very near term would be prudent. So I think they they mentioned this was like when I when I talked to the inspector I asked him about this as well. And he said it was 15-20 years old. So he said it's working. But this thing is on its last leg. So this was one thing that I went back to the seller and asked for a credit on and there's one more thing I'm going to mention later as well. And how I went about this and what the result was but for now I'll just leave it at this was one thing that was big enough where I went back to the seller and asked for a credit or reduced price. So for me, I don't like to add up all the little little things and bring it to the seller. That's just not my style. I know some people do it. For me, I'm just looking at big things that cost 1000s of dollars potentially. And those are things that I'm going to bring up with the seller, if you know especially if they were marketing the property a certain way like fully turnkey or ready to go whatever, I'm going to bring these things up with the seller. Michael: That's such a good point and the old because there's it's definitely a double edged sword in that all the little things like you mentioned, the $50 repair $100 repairs on their own, typically are not a big deal. But if you get enough of them, I mean that could be several $1,000 worth of repair items and so it could be death by 1000 cuts type of situation. So I think me personally I'm similar to you I don't nickel, I try not to nickel and dime people and get really nitpicky, if it's little, I'll take care of it myself. But if there are enough of them, that can also be indicative of some of the other deferred maintenance issues or how the property was managed for the life of that owner. So definitely let this kind of be a red herring if pay there are a lot of little things be on the lookout for maybe some bigger things as well. Emil: And I you know, I think it depends on the kind of property you're buying right if you're buying a property that's marketed as turnkey and it's obviously very not then maybe you can pick those things apart. This is a property where I knew you know, tenants had been there for a while under market rent we're gonna have to do some some work and the price probably reflected that so i didn't, i didn't nickel and dime a bunch of the smaller deferred maintenance things Michael: Yeah, yeah, so important to keep in mind. Emil: So this was this is it in terms of the big things that were called down the spectrum for a couple other small things but nothing that was you know, a red flag for me. So you know, the other thing we always do any property we buy is we have the sewer line scoped. So have a plumber or you know, sewer line Inspector, your agent or whoever a property manager, somebody can can get you in contact with somebody. So we have the sewer line scoped and we found that there was a crack in one of the sewer laterals and so we got a quote for that the quote came back at $4,000 so this is again this is one of those things that a lot of people could see and immediately find as a red flag. For me I know it's not a huge deal we're going to break up the concrete replace it, which is actually not a bad thing right like now I know we have brand new sewer lateral at least six feet. So but what I wanted to do was make sure that I could get credit from the seller so I brought the furnace and the sewer lateral to the seller told him what was going on asked him for I believe it was a combination of credit at close and a reduced price. And seller agreed on the full amount for the sewer lateral and then half for the furnace. They weren't willing to do full because they said it was still working but because it was all they were willing to do half. So we agreed on that. And those were the two big things in my inspection report that I brought back to the seller. So these these are all i think that's that's a key thing to remember is that you know, maybe if I had foundation issues are something that was really big and the expense, you know, range could have been 5000 to 25,000. Maybe that's something I'm I'm not going forward with. But if I have, you know, pretty confident estimates, I can bring those to the seller and get the price reduced or get credits back so I can take care of those things. For me, those aren't going to be deal breakers. Michael: So Emil, you did something that I don't know if you you mentioned, but in between the time where you got the inspection report back, and your due diligence window closed? Did you get bids for that, for this work? Emil: The inspector gave me an idea of furnace replacement. I also asked the property manager, you know, their property managers, they deal with this stuff all the time, they can give you a good estimate, these sewer lateral, the, the person who sculpt the line was actually a plumber as well. So they were the one who gave me a bid and ended up fixing the sewer lateral. So that that was the nice part is that the inspector, the sewer line guy was also a plumber. So he could give me an estimate. Michael: Perfect. And so was the estimate pretty spot on for what the actual cost was? Emil: He ended up going in, and I think it ended up being around $6,000. Because the way the sewer lateral was cracked, they couldn't take the scope as far as they wanted to, because it could potentially I guess, fall in the cracks and cause more damage. So they ended up having to replace I think an extra two or four feet more than they had originally anticipated. So it came out to $6,000. Obviously, that's the risk you take when doing these things is these are estimates they're not 100%. Mine went up 50%. So you always have to kind of think about those things and determine if you're willing to take that risk. Michael: Yeah, something something that I do is I'll try to go get bids, exactly like you did. And then I'll add a buffer on top of that, because there's the you know, you're you're paying for this repair, but there's also time, energy effort and risk, like you mentioned, involved with doing that kind of repair. And so in my opinion, depending on the scope of that, you should be compensated for that as well. But you should be building in some some buffer as well, because I've seen projects like that blow up. And that can be really, really scary. Emil: Yep. Yeah, this was a sewer lateral is definitely not for the faint of heart. I mean, they could break it up and see so much other stuff, you know what I mean? Like, it was definitely a risk that I, I don't know, I bought a lot of turnkey properties. And I was like, ready for something that I don't want to say it was going to be more of a challenge. But yeah, it was going to be more work involved more of a challenge. More like getting to know the nitty gritties of a property. So it was a risk, you know, this was the fifth property I've bought, so I was ready to kind of just take a little bit more risk. Michael: Yeah, and that's, you know, more risk more reward you got this property for probably under market value because of some of these issues. Now, like you mentioned, you've got brand new sewer lateral in place, you're never gonna have to worry about that again for the lifetime, but you own the building. Emil: Right, Yep, and not gonna use it. Yeah, they used to use cast iron. So you know, they rot after a very long time and break now is replaced by PVC, which I believe has a much longer life. Pierre: No, it's cool to it's cool to see your report after you've already closed on the property and get the the aftermath scoop as well. So mine is going to be from the other end of the transaction. This is active right now this is a property that we're working on. So we're still in the contingency period now. Michael: Ooo a fresh one. Pierre: This is first time. Yeah, since fresh, and this one's off of Roofstock as well. This is a roof stock select property. So yeah, this is my first time seeing an inspection report. So this is, you know, a learning experience and everything I know I've learned from this podcast here so listening off in the sidelines producing the shows, Michael: We always joke about how they're so self serving. I mean, you're This is the epitome of the self service. Pierre: I've been self serving from the beginning here, dudes. Michael: You're like guys, we got to start a podcast, I want you to talk about remote real estate investing. I want you to view inspection reports. Emil: Tell me everything you've learned. Pierre: That's how I avoid my enrollment fee for Roofstock Academy. Michael: That's the real long con, I'm going to get hired at Roofstock… Pierre: Yeah, so this is the inspection report provided from Roofstock buy with the roof stock select property. So they give you two files. One of them is kind of an estimate summary which we'll look at real quick before and then we'll jump into the inspection report. I found it interesting to look at what they highlighted as needed to be done as opposed to going through all of the pictures individually and seeing other things that weren't mentioned. So this is what they said the estimated total was, and here, here are some of the issues that they pointed out. So some, you know, shrub trimming near the walls of the outside, like the little line item total there, this house was built in 66. So this is kind of the old window structure, all of the windows were painted shut. So that is a hazard, especially for section eight. That's actually not up to the code of section eight. This was I'm working on this with my brother. And we're thinking we want to replace the windows, but not just yet. I don't think it's that big of a deal. We're just going to cut the windows open. They might, I don't know, I'm worried about the ropes on the inside of them being kind of rotten and not functioning properly. Michael: Yeah, windows are expensive. Yeah, very expensive to replace. Pierre: I got a quote on Windows and I think I can't remember I don't have the numbers in front of me, but I think it was like $7,000 per, wait. Emil: Yeah, for all the windows. That'd be crazy. Michael: That was probably for all the windows. Pierre Yeah, yeah, it was it was seven or $8,000, something like that. So definitely not what we above and beyond what we had set aside for capex on this property, so we're thinking, let's just cut these open, make them up to code and then replace them later on. Emil: That was a smart thing you did though, is going to get that quote right when you saw Okay, we think we're just gonna have to cut the paint so that they can you know, they're not painted shut, but what happens if we have to replace the windows? What does that cost look like? So that you can like you can pricing that risk for yourself, okay, if we had to replace all these Is it still worth it to us? Michael: And something else that you'd sounds like you've thought about is like, what's the ROI on that replacement on those windows, if you're not paying for utilities, there might not be actual any ROI until you go sell the property and who knows when that's going to be so it's really that $7,000 I mean that could just be the cost of doing business that they get so bad that it's non tenable and you just have to replace them okay, so I mean that's that's property ownership but until you run that calculation and really understood what the risk is like you're mentioning Emil that's so important to put a number to it. Pierre: The other thing to pointed out here was some roofing issues here I found all of these estimates to be like incredibly low. Emil: Did you talk to someone else and get a maybe shingle repair estimate? Well, Pierre: I did not speak to someone who's specifically working on shingles I got kind of just a contractor to look at the entire report here and see what they could do like as a lump package windows being separate Of course another little thing around the window around the does that like a little chimney some exhaust vent. Then cracking in the driveway and then this is the garage you know this isn't a livable unit so what do you do about that? And then this this was the thing The only thing that really worried me about the garage was this little door here there are more pictures of it in the inspection report but there's like this is a metal door and there's like sharp pointy edges and I don't know if someone were to get scratched on that that seems more like it's not making the place less livable it but it is maybe a liability if someone gets hurt on it. Then on the interior here we have this outlet, 38 bucks you know is that? Michael: That just now yeah that seems pretty low for some electricians and electricity like trade fee just to show up to the house like 100 bucks so. Emil: Yeah, that's gonna be 100 120 bucks for sure right? Pierre: Yeah. Right and then there's some cracks here which I spoke to the agent down this is an Alabama so I spoke to the agent down in Alabama and he said there's any house that is of a certain age even five years old, you're gonna start seeing these cracks because the ground is soft and it is moving and so that you know that worried me like what's going on here is the is it's not stable was there like massive shifts in the structure but apparently that's pretty common on houses of age in that area. Emil: Random aside here my house is fully renovated my personal residence before we bought it two years ago, and you know living in Southern California we fault lines and stuff but even after two years if you walk through the house you'll notice a bunch of little cracks throughout the drywall as well. Even though it's all new drywall and new, sheetrock everything, before we bought it. Pierre: Okay, here was another thing. Recently, we had a couple of videos, we posted a couple of videos from our certified agents in different markets. And one of the things he brought up in from Memphis was the circuit breaker. So you can check that video up here, just look at the specifics around circuit breakers and fuses in Memphis. But this one looks like it's pretty overloaded. And so we're thinking, my brother, and I were thinking maybe if we could replace, because there is room you can see you can fit some more in there. But these are all the fat breakers, or how to I don't know, forgive my terminology here. I'm not an electrician. But I know that there are thinner attachments here. And if we were to replace these fat ones with thinner ones, we could fit a lot more. So we're not doubling up, you can see a lot of doubling up happening there. Michael: Yeah. Pierre: So instead of replacing the entire service panel, going in there and replacing some of the connectors with the thin connectors so that we can single up on them. Michael: Pierre, did you get input on the aluminum wiring being present at the breaker because that definitely gives me the heebie jeebies. Pierre: Yeah, so that is a concern. And we have a meeting today to speak about that. Can you tell me about what the issue with the aluminum wiring is, and because I believe that aluminum wiring does affect our, you know, the status as Rootstock certified. Michael: Right. So aluminum wiring is just an older school style of wiring and prior to that, they use what's called knob and tube. And so it's just it has a tendency to, I'm not even gonna say tendency, it has been associated with overheating and causing fires. And it's just, I don't think it's as good of a conductor as copper, and so that there's more resistance in the wire. And that's why you get the overheating. And you'll see copper is is kind of the norm in newer properties. So there are different ways that aluminum wiring can be present in a property, it can be physically, the entire length of the wire, could be could be aluminum, it could be also what's called a pigtail, which is they have copper in the in the wire, and then at the very end at the breaker, they convert from copper to aluminum, and then you have aluminum going into the breaker. So I would see if I couldn't get a little bit more clarity around. Okay, is this aluminum wiring just the breaker or is it pervasive throughout? Because a lot of insurance companies actually won't insure properties that have aluminum wiring, or knob and tube wiring. So that might be a question on your insurance intake form is Hey, is there what's the wiring material? And if you say copper, and the house burns down, and then they find out what's aluminum, they could then deny your claim because they said, Well, this is not, you know, you lied to us kind of a thing. So I would definitely look to go get some clarity around that. Pierre: Okay, that's really good to know. And so if the house is wired through and through with aluminum what's what are your thoughts on that? Michael: I would definitely say chat with the local agent and find out what's common for the area. Because this is just one of those things, all the houses that were built in the 40s 50s 60s, I think they used it up through the 60s even, had aluminum. And that was par for the course. And that was not a big deal at the time of construction. So unless someone's done a total rehab job on the house, it's going to have aluminum, so it's definitely something that you can find an insurance company that'll do it, I've done it in the past, but it's just gonna be more specific to that market. So you might need to go with a local carrier or a local office, because there are tons of people that have this in their home. So it's not like it can't be done. It's just it's not as good as copper, though, if you if you can have the better one, choose that one, you know, right. But again, if this is the only option, that's just a risk that you're going to take in any insurance company that that insures it with knowing it has aluminum wiring, okay, then you're kind of covered, but it's just a risk that you want to be aware of that. That is present at the property. Pierre: That's really good to know, that's something I haven't considered yet looking at this, I was just kind of concerned. I did see the note there about aluminum wiring, and I did see that that affected the status with the Roofstock certification. But I didn't quite know why. So thanks for that. The main concern I was looking at was like these double tapping here. Michael: The double tapping Yeah. Pierre: But it looks like there's room so I think that we won't need to play replace the service panel if we can, you know, get that addressed. So apparently the water heater is passed it's expected lifespan but it is still functioning. It's an electrical water heater. So Michael: That's 28 years. Wait, that's incredible. It's still going after 28 years? Yeah, it was manufactured 29 years is manufactured in 92. Yeah, little things still cooking away. They don't make them like they used to man. Pierre: Yeah, that's true. So this should this be something that we start factoring in as a potential repair in the next year or two? Michael: I would I mean, I would kind of like a meal situation with his furnace. It was assays but like yet, it still works. But you're on borrowed time at this point. Pierre: Okay? Michael: You were on borrowed time a decade ago, this thing? Pierre: Okay. Michael: So I would definitely say that's that's gonna go and the way that Murphy's law works is you're going to close and the things get a blow on day one I would definitely, Pierre: Don't say that man. Michael: You know, plan for this is this is coming up. Now something to think about is just getting a home warranty, whether that's provided by the seller or you get it, but I would say hey look, you go to the seller and say, what I would do is say, hey, look, this thing is well past usable life, I'm gonna have to get this thing year one, I need a credit for it. And you can decide on what that cost looks like. But that's how I would definitely play this. And then you can turn around and go get a home warranty. And the home warranty is hopefully going to cover this, the devils in the details, always. So make sure to talk to your local property manager around any good Home Warranty companies in the area. But it's kind of a nice insurance against it. Emil: One thing about home warranties that I've seen personally and maybe it's just the warranty provider, I used, a lot of things that maybe pass their serviceable life and then you get a warranty on them. They're going to they're not going to cover that like we had my personal residence a, the condenser was way past service will live like a dog had peed on it or something before we bought it, but it still works fine. And then six months down the road. like Michael mentions Murphy's Law thing gets busted. And we went back to the the warranty company and they said no, it was it was faulty. So we're not going to cover that. So just a random thing they keep in mind as well, with warranties. Michael: Yeah, you hear the good and the bad, because that's mine blew too and they totally replaced it. Emil: Maybe it's just the provider I used. We won't name names. Michael: I think part of it is the provider. Pierre: That's cool. So looking at this, I want to show you a couple of other things just to show like what the inspector highlighted as things that we need to really take care of, and things that I found in the inspection report proper. That concern me. So this is what the inspection report looks like. It gives you a summary of things that need to be repaired based on the different areas of the house. So I'm going to just a lot of these things that are yellow are what were addressed inside of the kind of capex summary at the beginning. But there's some other things in here that they didn't point out. So one of the things we saw was there was popcorn ceiling. That you know, it's kind of concerning, but not unless we really want to do a major rehab. So I don't think we're going to be doing a major rehab on this property anytime soon. Michael: And Pierre, why is it concerning? Pierre: Asbestos, it's like an older construction where they're using asbestos so a little dust isn't going to be a bad thing. But if you're going to be cutting major things open when the property is tenanted, you could be exposing them to carcinogens. Michael: And just so everybody knows I'm not a doctor, I'm not a medical expert, asbestos expert, but from what was has been told to me is that asbestos is really only a problem when it's airborne, or it's in some form that is not solid. So you encounter asbestos in a lot of different places. And I know for me, I like I was super gun shy. I saw asbestos in a report, I was trying to run the other direction. But what I was made to understand is that if you There are many different ways to encapsulate asbestos to prevent it from becoming airborne, that are perfectly acceptable and safe. And so if you see asbestos on your inspection report, just go look to understand where is it? how pervasive is it? What remedies are available, that are perfectly acceptable, legal and safe, that you can that you can go through to make that no longer an issue? Pierre: Cool. Yeah, the first time I saw that I was like, Oh, no, but then just kind of digging deeper into it, you realize it's not going to be a problem for us. So this here, this is on the underside of the roof. It's a little bulging thing. They didn't point that out in the in the summary the repair summary, Michael: It looks like they just did a cheap replacement on the roof deck when they replaced the decking so they use plywood everywhere else. And here they use this cheap Yeah, this is called particle board. Pierre: I think it'd be pretty easy just to support that with a couple of two by fours and a piece of plywood and a pin nailer but just getting up in there is going to be a pain but that's something that I want taken care of. I think that that was pretty much it the aluminum wire and and this that that are my big concerns that weren't pointed out so much on the repair estimates. We asked the seller to repair all of this stuff, and he agreed to to to repair all of these things. Before the sale Michael: That's fantastic. Pierre: But now I have a couple more details now that I didn't have after walking through this with you guys. It's like you know what to wear. what extent is the house wired with aluminum wire? And yeah, so that's that's a big concern now that I'm going to need to bring that up and see if we can. And then also, can you put it in new water heater? Is that part of Michael: Right? Yeah, that it's not called out as broken or needing repair. So is that included in the scope or not? Pierre: Right? And is that a reasonable thing to ask? Or am I starting to nitpick? Michael: Is that it's not a hypothetical. You're genuinely asking? Pierre: I'm asking the wise words of the sage Michael Albaum. Michael: If I am the wise sage then we're, we're all in a lot of trouble, guys, believe me? No, I mean, I don't think it's, it's nit picky, the water heater, that's honestly one of your biggest ticket items on this report. And so it's, it's not called out as a expense, or the cost associated because it's still working. So truth be told, it's not something that I would actually have the seller replace, I would much rather get dollars for it, because it's still working. And the thing might go another five years, who knows, and so why replacement isn't broken. And other people might have different opinions on that. But that's, that's my personal belief. And now you're empowered to have the dollars in your pocket to take care of it, when it does become an issue. And then you can decide what am I going to go the Home Warranty route and save some money? Or am I just going to keep these dollars set aside to actually replace the thing when it when it needs to be replaced? Pierre: So what you're saying is to ask for a credit for that? Michael: That's how I would play it, I would either ask for a credit. And I like a credit better than a reduction in purchase price. If you're using a loan, is the credit is truly dollars in your pocket, that reduction in purchase price. Well, if you reduce it by 1000 bucks, your savings is only the 200 bucks, if you're using alone is 20%, or whatever your down payment is. Pierre: Tight? Yeah, that's that's what we're going through right now. We have a meeting today, we're in the inspection contingency period now. So we need to, we're coming up on the end of it. So we really need to figure out the rest of this and make our call. Michael: And, Emil, how would you play that? Emil: Exactly. Like you said, I think having the money in your pocket is better, because then you can just put it aside or whatever, maybe the thing lasts another two years, right. So you don't have to replace it right now. The other thing that the other reason I would I would take the money or ask for money is, you don't know how poor of a job they're gonna do, they may replace it, but do the minimum amount possible getting like the cheapest person, you know what I mean? versus you like really thinking about how you want to get it done and find someone you trust or whatever. So wherever you can, I would ask for credits and reduction to make the repairs yourself, versus having them kind of make as cheap as possible to get this thing sold. Pierre: Okay, so you're talking about the all of the repairs, not just the water heater? Emil: I think the other ones are small. I mean, if you can, yes, I would ask for credits, and whatever. I think at this point, you've already asked them to make those fixes, and it's fine. I don't think any of them are major enough where it's gonna be a huge issue. But that's kind of how I play it. Now, knowing what I know. Pierre: Do you know if there are any protections, if they do do a crappy job, and we go back in and look, and they just just did some stupid work, and we got duped into buying the property? Emil: I think of that point? It's on you. But you'd have to ask a lawyer probably. Michael: My guess is there's going to be language in the PSA, or the addendum around acceptability? Because like, like if they're just phoning it in, you know, and not really doing the work to an acceptable degree. I think that there's got to be some out for you. But I think the language is going to be specified in the contract. Emil: Pierre, what would you have done, had they said no? Pierre: Well, I'd already started getting quotes from contractors, although those are tough to get if they because the property is not under our ownership yet. The property is tenanted, and so a lot of them were like, well, when can I get in there? And do it or get in there and take a look, I don't want to look at these pages, you know. So, I did get a couple of estimates. We were ready, we were ready to take on the repairs ourselves, if we would get a reduction in purchase price. Well, I mean, the numbers still work for us. I mean, all of these repairs, were still under the capex that I'd set aside for the pro forma so the numbers still worked, although I'm not about to just you know, give people money they don't deserve so I would have asked for the repairs or now i don't know i wouldn't I didn't know about asking for a credit. That's cool. Like give me money. Michael: Most lenders have a cap around how much and this is again, using a mortgage hub will have a cap around how much you can get back and credit versus production and sale price. So just something to be aware of. It's like one or 2% I think is really common. Every lender might be a little bit different, but that's kind of what I've heard and seen. So if you're buying $100,000 house, they're gonna win. get you to a grand or two in terms of credit, but the less you reduce the purchase price, because that's an agreement to you and the seller as much as you want. But I'm curious, what was the bid, that there are bids that you've gotten thus far? And what were you prepared to ask the seller for? Pierre: The bids I got were between like five and 6000 total for like all of the stuff and not not including the water heater, and not replacing windows, of course. Michael: And so were you going to ask the seller for all six of that, or was it some a different number, Pierre: We were going to also consider the findings of the appraisal. So we also have an appraisal contingency. So I wanted to just bring it all together. So we're not just like nickel and diming. But just kind of big, big picture. And I don't know, this is my first time. Like trying to, I don't know, I'm not like so bullish and confident going in and be like, Yo, I need this fool, I'm trying to be I don't know. polite. I don't know, dude. First one. Emil: I think you're doing just to set you're doing a good job on your first one. I probably wouldn't have even asked for anything because I had no idea. I was just like, up it is what it is like, I got to deal with it. For what it's worth, I think you're doing a better job than I did on my first one. So don't beat yourself up. Michael: No, I mean, you're definitely you're going through all the steps. Yeah, like Emil said, hats off to you man. I was very in a very similar boat to a meal just like stumbling through like I guess this is how this works now. Pierre: You guys are really just giving yourself a round about compliment to yourselves because everything I'm doing is what I hear you guys say all the time. So… Michael: You'll have to keep us posted on how it all goes and how the quality of repairs come out and how the deals have a deal shakes out. Pierre: Cool, thanks, guys. Emil: Alright, so we are actually going to cover Michael's inspection report in a part two episodes since this one's running a little bit long. So make sure you're on the lookout for that one. Michael always has tons of good advice, so it's gonna be a good one. We'll check you out in that episode. And happy investing. Michael: No pressure, no pressure, Emil: No pressure, Michael. Michael: Happy investing
The growth journey for an MSP can be a tricky one. You've got a lot to focus on and a lot of hats to wear. One of the things that can be an immense help for a lot of MSPs is a Professional Service Automation (PSA) tool. But how do you know when it's the right time to implement a PSA tool? And what specific functions can a PSA tool offer you on each stage of your MSP growth journey? On this episode of B2B Tech Talk, we sit down with Scott Murphy and Ben Chappell from Ingram Micro to talk all about the MSP growth journey and how a PSA tool can help. Some things we covered in our discussion include: - The three stages of the MSP growth journey - How a PSA tool can help you on each of those stages - Cloud Blue, and how Ingram Micro is changing the game with this offering - Their predictions for where technology will take us in the coming year You can contact Scott and Ben on LinkedIn, or email PSA@CloudBlue.com for more information. To join the discussion, follow us on Twitter @IngramTechSol #B2BTechTalk Listen to this episode and more like it by subscribing to B2B Tech Talk on Spotify , Apple Podcasts , or Stitcher . Or, tune in on our website.
In the episode of S*%! People Say, we are talking about perception versus reality when it comes to social media. Remember that nothing is as it appears! The people who flaunt it the most often have the least. There are so many things going beyond closed doors. Today, I'm going to share with you a story that is a perfect example of this. This episode is more of a ‘PSA' versus a tactical episode. Often, these digital narratives are fake. Unfortunately, social media is where far too many people seek validation or flaunting a phony identity. Does social media make you feel bad? Like you're not enough? If so, this episode is for you. HIGHLIGHTS 1:03 - How negative Social Media can be and why 1:46 - A story about someone that looked really well off on social media that actually… wasn't 2:49 - Curate your feed and follow the people that make you happy More about the show: http://www.jackiehermes.com/podcast (www.jackiehermes.com/podcast) Hit me up! https://the-art-of-entrepreneurship.captivate.fm/linkedin (LinkedIn) https://the-art-of-entrepreneurship.captivate.fm/instagram (Instagram) https://the-art-of-entrepreneurship.captivate.fm/tiktok (TikTok) https://the-art-of-entrepreneurship.captivate.fm/website (Website)
Featuring special guest Seth Zarate (https://twitter.com/snzarate)! With one eye on Chinese martial arts and one eye on American ‘tude, RUMBLE IN THE BRONX was Jackie Chan's breakout Western hit. There's dirtbike gangs in the streets, diamond-peddling crime syndicates, a hoverboat – everything you'd expect from an American action comedy, just with 100% more Jackie Chan. More violent, more outspoken, more plot-heavy, and just a bit less fun than Jackie's Hong Kong films, RUMBLE also functions, unintentionally, as a sort of inverse commentary on ethnocentrism in American filmmaking: the same stereotyping cultural lens Hollywood points at Asia is pointed back at the USA in a movie where Vancouver is an unconvincing stand-in for the Big Apple and gun-toting mafiosos tear down a grocery store with tow cables for the hell of it. Follow us on Twitter at https://twitter.com/trylovepodcast and email us at trylovepodcast@gmail.com to get in touch! Buy tickets and support the Trylon at https://www.trylon.org/. Theme: "Raindrops" by Huma-Huma/"No Smoking" PSA by John Waters. Music: Credits theme from the RUMBLE IN THE BRONX soundtrack (Hong Kong release). 0:00 - Episode 139: RUMBLE IN THE BRONX (1995) 3:05 - The podcast actually starts 5:26 - The Patented Aaron Grossman Summary 7:57 - Seth's thoughts 11:38 - Jason's thoughts 19:11 - Cody's thoughts 23:25 - Harry's thoughts 29:54 - Aaron's thoughts 36:20 - The contrast of excellent action and a throwaway plot 42:56 - Familiar faces in a new context 48:01 - Danny 51:04 - Final thoughts 57:28 - Cody's Noteys (Triplove: A Podquest [location trivia])
In this installment of Trek Mate Wayne and Jude bounce around a whole bunch of topics from Trek merch to Jude's PSA, but don't worry we manage to mostly discuss Trek… mostly. Support us on Patreon HERE. Email us at TrekMate1701@gmail.com Remember to check out our weekly YouTube exclusive episode reviews and other […]
Join Ken Mills and Gary Shaller as they are excited by a cool new set from KISS! The Destroyer 45th Super Deluxe 4CD-Blu-ray and more! https://shopkissonline.com/collections/destroyer-album/products/destroyer-45th-super-deluxe-4cd-blu-ray Thank you Tim Powers for the PSA! On Twitter at @POPSTAFFTWEETS @PodKISSt @kissfaq Join the conversation! www.facebook.com/groups/Podkisst/ www.facebook.com/groups/thekissroom/ Get the PODKISST & THE KISS ROOM! Tees at klick tee […]
In the spirit of @_lyneezy and all of her dopeness, "...I'ma keep it brief." You know we're here for the people, so consider the first segment a PSA. Stay safe out there, dope friends. And then... we know why you're here. LOL pull out your
The boys are back after a big week of sports that featured Penn State, Georgia and Ohio State going 3-0, a Jets win, Zach Wilson and Mac Jones looking good, and Urban Meyer getting himself in to some hot water (much to the delight of Tyler of Lou).Also, Ryan picked up an entire PSA graded set of 1952 Topps baseball over the weekend, we look in to the NBA market as they get set to tip off their season, the Arizona Cardinals look unbelievable with Kyler playing at an MVP level, and we may have just entered the best sports month of the year. Follow 'Card Talk' on Twitter and Instagram @CardTalkPod.Join our NEW Facebook group: Facebook.com/groups/cardtalkIf you have a card question for us, email us at CardTalkPod@gmail.com, and it may be featured in the next episode.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
It was all about Britney Spears on last night's 'Dancing with the Stars' and we've got ALL the dish! Plus, 'Southern Hummingbird' songstress Tweet swings by, and Tamar Braxton has a PSA for the single ladies! Keep it locked on today's Dish Nation for more!
It's September! Fall has arrived and WDEK is not looking forward to the pumpkin spice lattes signage that will soon be everywhere! Justin the Intern joins us from Duluth, Minnesota. Christian and Shonali have just returned from visiting their parents in Chicago and Nashville. They discuss the Jedi mind tricks of their respective parents. The brilliant Lizz Winstead, comedian, co-founder of the Daily Show, founder of Abortion Access Front and co-founder of Air America amongst joins us from her abode. Find out how a 16 year old Lizz Winstead's life experience is directly connected to her activism today as the founder of Abortion Access Front. Do you know about the thousands of fake "clinics" in the US used to intimidate and spread misinformation to women regarding abortion? We discuss destigmatizing abortion and how men should contribute to the conversation surrounding reproductive rights. Follow Lizz on Twitter here! She's doing shows in Portland and San Francisco in November - you lucky West Coasters! Per her Twitter profile our second guest Saidah Blount describes herself as a music industry maven, corporate goth, Sonos Senior Manager, Global Content. She joins us along Game Changers! This is the first time ever we bring our guests together to share trivial tips and/or life lessons which have changed their lives. We have some great ones for you this month including TSA Tips, bubble wrap tips, peeling egg tips, identity theft tips and more! Also Saidah's use of the term "frothed up" is a new one for Christian and Shonali. As a woman of color who has worked in the music industry for years, we asked Saidah about her feelings regarding the long awaited conviction of R. Kelly in a NYC courtroom just the day before this show was taped. Have you heard of the saying "Dance now. Deconstruct later."? Saidah contemplates whether "music is too big to fail." Topics of discussion include the "shady" music industry, the non-stop work of a working performing artist, being the only WOC in the workplace, recently being "sweethearted," the the over-usage of the term "cancel culture" used as a "dog whistle." We get into it! We also have lots of fun. Saidah shares what brings her joy these days which is a new concept being that she's a workaholic. Christian shares an urgent urban wildlife PSA. And Saidah shares some hot music tips including Serpent With Feet and NAO. We could talk forever as you clearly can here! Enjoy your September and we will be back with another episode live on October 26, 2021 - 8PM EST!
Scott Holmes is an accomplished acquisitions and asset management leader with more than 25 years of experience and over $6 Billion of closed transactions in all major property types nationwide. Scott and Rod are partners in CreeCapital and in this episode, discuss in detail the behind the scenes takedown of a 297 unit property. Here's some of the topics we covered: Keeping up with brokers Investment criteria Agency debt Offer ‘rounds' and ‘final invest' LOI to PSA process Early access and Due diligence Polling your tenants Win Win Solutions Equity Raise To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com For more information on our guest, please visit:https://CreeCapital.com
In the second edition of this two-part Oncology, Etc. episode, hosts Dr. Patrick Loehrer (Indiana University) and Dr. David Johnson (University of Texas) continue their conversation with Dr. Otis Brawley, a distinguished professor of Oncology at Johns Hopkins and former Executive Vice President of the American Cancer Society. Subscribe: Apple Podcasts, Google Podcasts | Additional resources: elearning.asco.org | Contact Us Air Date: 10/5/2021 TRANSCRIPT [MUSIC PLAYING] SPEAKER: The purpose of this podcast is to educate and inform. This is not a substitute for medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. The mention of any product, service, organization, activity, or therapy should not be construed as an ASCO endorsement. [MUSIC PLAYING] DAVID JOHNSON: Welcome back to Oncology, Etc, and our second segment of our conversation with Otis Brawley, professor of Medicine at Johns Hopkins Medical School and the Bloomberg School of Public Health. Pat, I don't know about you, but Otis is a very impressive man, and he had a lot of really interesting things to say about his career development, family, et cetera in the first segment. This second segment, we're going to get to hear more about his time at the ACS. What were your thoughts about segment one? PATRICK LOEHRER: Well, I loved talking to Otis, and you too, Dave. Parenthetically, Otis once told me in a dinner conversation we had that he felt like Forrest Gump, and I can identify with that. Where over the field, our field of oncology over the last several decades, we've met some incredibly wonderful people, and we've been lucky to be part of the history. The three of us, I think, do have a deep sense of the historical context of oncology. This is a young field, and there's just some extraordinary people, many of them real true heroes, and Otis has his figure on the pulse of that. DAVID JOHNSON: Yeah, that's why he's been in some of the right places at the right time, and we'll hear more about that in this segment coming up now. PATRICK LOEHRER: Now Otis has had a career in many different areas, including ODAC, the NCI, the ACS, now at Hopkins. So let's hear a little bit more about Dr. Brawley's experience at the American Cancer Society and particularly with his experience with the former CEO, John Seffrin. DAVID JOHNSON: Sounds great. [MUSIC PLAYING] OTIS BRAWLEY: John and I had a wonderful run at the American Cancer Society. Got to do a lot of things. Got to testify for the Affordable Care Act. Got to do some of the science to actually argue that the Affordable Care Act would help. And I was fortunate enough to be there long enough to do some of the science to show that the Affordable Care Act is helping. DAVID JOHNSON: Yeah, I mean actually all of the things you accomplished at the ACS are truly amazing. Let me ask you, just on a personal level, what did you like most about that job, and then what did you like least about that job? [LAUGHTER] OTIS BRAWLEY: I like the fact-- there were a lot of things I liked about that job. There were a couple hundred scientists and scientific support people that you got to work with. And I used to always say, I do politics so you can do science. And what I used to like the most, every Wednesday afternoon that I was in town, I would walk around just to watch those people think. I used to joke around and say, I'm just walking around to see who came to work today. But I really enjoyed watching them work and watching them think, and that was fun. Another fun aspect of the job was people used to call and ask a little bit about the disease that they are a family member would have. And sitting down with them on the phone in those days-- we didn't have Zoom-- and talking to them through their disease. Not necessarily giving them advice on what to do in terms of treatment, but helping them understand the biology of the disease or connecting them with someone who was good in their disease. And I happen to, by the way, have sent some patients to both of you guys. That was a lot of fun. Then the other thing, of course, was the fact that you could actually influence policy and fix things. I'll never forget sitting across from Terry Branstad, then the governor of Iowa, and convincing him that the right thing to do is to raise the excise tax on tobacco in Iowa. Being able to see that you're effective and to see that you're positively influencing things. The bad side, some of the politics. I didn't necessarily like how some of the money was being raised or where they were raising money from. I think that you have to have a certain standard in terms of where you accept money. And we always had that tension with the fundraisers. But it's also true-- and I will give them a nod-- you can't do the fun things unless you raise money. So I really truly enjoyed my time at the American Cancer Society. And by the way, a shout out to Karen Knudsen, who is the CEO running the American Cancer Society now. And I'm fully committed to helping the ACS and helping Karen be successful. DAVID JOHNSON: One of the things I read-- I think I read this that you had said that one of your proudest accomplishments was revising the ACS screening guidelines. Tell us just a little bit about that. OTIS BRAWLEY: Yeah, going all the way back to the early 1990s, I started realizing that a lot of these guidelines for screening, or back then, this is before the NCCN guidelines for treatment even, that were published by various organizations, including the American Cancer Society. We're almost the equivalent of-- get the impression that in the 1960s, it would have been a smoke-filled room. But you gather a bunch of people into a room, and they come up with, this is what we should be doing. Indeed, the American Cancer Society in 1991 endorsed annual PSA screening for prostate cancer based purely on getting a group of primarily urologists into a room, and that's what they came up with. There was very little review of the science. There really was no science at that time except the science to show that PSA screening found cancer. There were no studies to show that led to men benefiting in that they didn't die. Indeed, in 1991, there was no study to show that treatment of early prostate cancer saved lives. The study to show treatment of prostate cancer saves lives was first published in 2003, and the radiation saves lives in 1997, 1998. Surgery saves lives in 2003 and screening has a small effect published in 2009. But they started recommending it in 1991 in this almost smoke-filled room kind of atmosphere. When I got to the American Cancer Society, I started an effort, and we involved people from the National Academy of Medicine, we involved people from the NCCN, from the American Urological Association, the American Academy of Family Physicians, the American College of Physicians. And we got together in that almost smoke-filled room again, but the idea was, how do you make responsible guidelines? And we wrote that up into a paper guide widely accepted by all of the organizations, and it involves a review of the literature that is commissioned by someone. And they spend a long time reviewing the literature and writing a literature review. And then you have a group of experts from various fields to include epidemiology and screening, social work, someone who's had the disease. Not just the surgeons and medical oncologists who treat the disease but some population scientists as well. They sit down and they reveal all of the scientific data, and then they start coming up with, we recommend this. And then they rank how strong that recommendation is based on the data. We published this in 2013 in The Journal of the American Medical Association. I do think that was important, you're right. That's Otis trying to bring his policy and his belief in orthodox approach to science and bring it all together. PATRICK LOEHRER: So let me reflect a little bit more on something. There is a book that I also just recently read by Dax-Devlon Ross, and it's a book entitled, Letters to my White Male Friends, and it was a fascinating read to me. You have this public persona and professional persona of being an outstanding physician, clinician, public speaker. But what we the three of us have never really had the conversation today is we have much more interest now in DEI. One of our other speakers talked about the fact that there's a tax that is placed upon underrepresented minorities and academics. They are all expected to be on committees. They have to be doing different things. And so the things that they love to do, they can't do it because they have to represent their race or their gender or their ethnicity. OTIS BRAWLEY: I have been blessed and fortunate. There are problems, and there are huge burdens that Black doctors, and women doctors by the way, have to carry. I have been fortunate that I have skated through without a lot of that burden. Maybe it has to do with oncology, but I will tell you that I have been helped by so many doctors, men and women, predominantly white, but some Asian, Muslim, Jewish, Christian. I don't know if it's oncology is selective of people who want to give folks a fair shake and really believe in mentoring and finding a protege and promoting their career. I have been incredibly, incredibly fortunate. Now that I say that, there are doctors, minority doctors and women, who don't have the benefits and don't have the fortunes that I have had, and we all have to be careful for that. As I said early on, John Altman told me that I will thank him by getting more Blacks and women into the old boys club. And so that was his realizing that there is a-- or there was a problem. I think there still is a problem in terms of diversity. Now I have seen personally some of the problem more outside of oncology in some of the other specialties. More in internal medicine and surgery, for example. By the way, there are also some benefit. I did well in medical school in third and fourth year in medical school at the University of Chicago because there were a group of Black nurses who were held that I wasn't going to fail. The nurses took me under their wing and taught me how to draw blood, how to pass a swan. The first code I ever called, there was a nurse standing behind me with the check off list. And so there are some advantages to being Black as well. But there are some disadvantages. I've been very fortunate. My advice to Black physicians is to keep an open mind and seek out the folks in medicine who truly do want to help you and truly do want to mentor you. And for the folks who are not minority or not women in medicine, I say, try to keep an open mind and try to help everybody equally. PATRICK LOEHRER: Thank you. DAVID JOHNSON: I want to go back to your book for a moment. And again, for those who've not read it, I would encourage them to do. So it's a really honest book, I think, well-written. You made a comment in there-- I want to make sure I quote it near correctly. You said that improvement in our health care system must be a bottom up process. What do you mean by "bottom up?" OTIS BRAWLEY: Well, much of it is driven by demand from patients and other folks. The name of the book was, How We Do Harm. And the synopsis is there are bunch of people who are harmed because they don't get the care that they need. And there's a bunch of people who are harmed because they get too much medicine and too much care. And they rob those resources away from the folks who don't get care at the same time that they're harmed by being overtreated, getting treatments that they don't need. The other thing, if I can add, in American health care, we don't stress risk reduction enough. I used to call it "prevention." Some of the survivors convince me to stress "activities to reduce risk of disease." We don't do a lot in this country in terms of diet and exercise. We try to do some work somewhat successfully on tobacco avoidance. We need to teach people how to be healthy. And if I were czar of medicine in the United States, I would try to make sure that everybody had a health coach. Many of us go to the gym and we have a trainer. We need trainers to teach us how to be healthy and how to do the right things to stay healthy. That's part of the bottom up. And in terms of costs you know my last paper that I published from the American Cancer Society, I published purposefully, this is my last paper. Ahmedin Jemal who's a wonderful epidemiologist who I happen to have worked with when I was at the National Cancer Institute and again later in my career at the American Cancer Society, I pushed Ahmedin-- he publishes these papers, and we estimate x number of people are going to be diagnosed with breast cancer and y number are going to die. He and I had talked for a long time about how college education reduces risk of cancer death dramatically. If you give a college education to a Black man, his risk of death from cancer goes down to less than the average risk for a white American. There's something about giving people college education that prevents cancer death. I simply challenged Ahmedin, calculate for me how many people in the United States would die if everybody had the risk of death of college-educated Americans. And he came back with of the 600,000 people who die in any given year, 132,000 would not die if they had all the things from prevention through screening, diagnosis, and treatment that college-educated people. Just think about that-- 132,000. Then I started trying to figure out what drug prevents 132,000 deaths per year? And I couldn't think of one until recently, and it happens to be the coronavirus vaccine. Which ironically has shown itself to be the greatest drug ever created in all of medicine. But in cancer, there's no breakthrough drug that is more effective than just simply getting every human being the care from risk reduction and prevention all the way through treatment that every human being ought to be getting. The solution to some of that starts with fixing third grade and teaching kids about exercise, about proper diet. PATRICK LOEHRER: We're going to have to wind things up here. But real quickly, a book you would recommend? OTIS BRAWLEY: Skip Trump, who's someone that we all know, wonderful guy used to run Roswell Park Cancer Center, just published a book actually it's coming out in September called, Centers of the Cancer Universe, A Half Century of Progress Against Cancer. I got a preprint of that, and it is a great book. It talks about what we've learned in oncology over the last 50 years since Richard Nixon signed the National Cancer Act. Keep in mind, he declared war on cancer on December 23, 1971. So we have an anniversary coming up in December. PATRICK LOEHRER: I want to close. Another book, I read the autobiography of Frederick Douglass. It's a wonderful read. It really is good. There were some endorsements at the end of this book, and one of them was written by a Benjamin Brawley, who wrote this review in a book called, The Negro in Literature and Art in 1921. And Benjamin Brawley was writing this about Frederick Douglass, but I would like to have you just reflect a moment. I think he was writing it about you, and I'm just going to read this. He basically said, at the time of his death in 1895, Douglass had won for himself a place of unique distinction. Large of heart and of mind, he was interested in every forward movement for his people, but his charity embraced all men in all races. His mutation was international, and today, many of his speeches are found to be the standard works of oratory. I think if your great, great grandfather were here today, he would be so incredibly proud of his protege, Otis. And it's such a privilege and pleasure to have you join us today on Oncology, Etc. Thank you so much. OTIS BRAWLEY: Thank you. And thank both of you for all the help you've given me over the years DAVID JOHNSON: Great pleasure having you today, Otis. I want to also thank all of our listeners for tuning in to Oncology, Etc. This is an ASCO educational podcast. We really are here to talk about anything and everything. So we're looking for ideas. Please, if you have any suggestions, feel free to email us at education@ASCO.org. Thanks again, and remember, Pat has a face for podcasts. [MUSIC PLAYING] SPEAKER: Thank you for listening to this week's episode of the ASCO e-learning weekly podcasts. To make us part of your weekly routine, click Subscribe. Let us know what you think by leaving a review. For more information, visit the comprehensive e-learning center at elearning.asco.org.
Behind The Numbers | A Football Card Podcast by Bench Clear Media
Review all the games of week 4 and RC performances. Talk on grading cards and the PSA only approach. Lastly give you my 5 Takeaways from week 4. Follow me @numbers_behind
SOULjouners, let's lean into this collective PSA, as we notice + nurture + embody an integrative communion that reminds us that we are accompanied deeply in our belonging. We'll resume our Soul Care Narrative series - Day Four in our next episode. Connect and discover more: Email: andrea@mohawkmommastudio.com Youtube: Mohawkmomma Studio Instagram: @mohawkmommaloves How to support my work? 1. Discover more on the website. Wanna go deeper? Register for the FREE Soul Care Narrative Online Course created by Andrea 'Angie' Palmer. 2. Join my Patreon Parishioners to support the podcast (and beyond) monthly. 3. Give one time (or more) to my pastoral mission via PayPal or Cash app - $AndreaBeloved 4. Shop visit http://bit.ly/yoursoulcarekit. Mohawkmomma Soul is brought to you by Mohawkmomma Studio, created by Andrea 'Angie' Palmer. Listen to Mohawkmomma Soul, Subscribe by RSS https://anchor.fm/s/102c67c/podcast/rss --- Send in a voice message: https://anchor.fm/mohawkmomma/message Support this podcast: https://anchor.fm/mohawkmomma/support
Episode 121. The boys are back! In this episode Corwin discovers Harem is an anime genre, then gets nostalgic for Mike Carey's X-Men. Meanwhile Scott compares the Cowboy Bebop intro to a Target Commercial, then becomes astound that FYE has survived during the pandemic. The Deadpool drought is still going so they dive right into Past-O-Vision to talk about the Cable & Deadpool arc “Fractured”. In Get in the Review the boys talk about Evangelion 1.11: You Are (Not) Alone. Finally, Monty's Predictions are visited, and new ones are made. And a special appearance is made during Robot Chicken Hulk's PSA 0:11:58 Anime Talk Past-O-Vision 0:31:30 Cable & Deadpool (2004) #40 0:37:54 Retro Ads 0:44:40 Cable & Deadpool (2004) #41 0:55:48 Retro Ads 1:00:57 Shang Chi Movie (Spoilers) 1:04:54 Evangelion 1.11 You Are (Not) Alone 1:23:48 Monty's Predictions 1:43:50 What If…? (Spoilers) [MwaP RSS] Subscribe [RSS All] Subscribe [Google Podcasts] Subscribe [Apple Podcasts] Subscribe Music by Jenki Girls of Los Angeles Email: HipsterDaken@gmail.com Website: http://www.EarthsMightiestPodcast.comFacebook Group: https://www.facebook.com/MercWithaPodcast/ Episodes #1-26 can be found @ Cultural Wormhole.com The Merc Report has now joined the EMP family of podcasts and has now become The Merc With a Podcast! -EXPLICIT CONTENT
Could Using the Right Multi-Factor Authentication Save You? I had a good friend who, this week, had his life's work stolen from him. Yeah. And you know what caused it? It was his password. Now, you know what you're supposed to be doing? I'm going to tell you exactly what to do right now. Let's get right down to the whole problem with passwords. I'm going to tell you a little bit about my friend this week. He has been building a business for. Maybe going on 10 years now, and this business relies on advertising. Most companies do so in some way; we need to have new customers. There's always some attrition. Some customers go away. So how do we keep them? We do what we can. How do we get new customers? For him, it was. Advertising, primarily on Facebook. He did some Google ads as well, but Facebook is really where he was focused. So how did he do all of that? Here's the bottom line you have to, if you are going to be advertising on Facebook, you have to have an advertising account. The same thing's true. Google. And then, on that account, you tie in either your bank account or your credit card. I recommend a credit card so that those transactions can be backed up. And on top of all of that now, of course, you have to use a pixel. So the way the tracking works is there are pixels on websites, about those already. And the bottom line with the pixels. Those are also. Cookies are about the pixels are used to set a cookie so that Facebook knows what sites you've gone to. So he uses those. I use those. In fact, if you go to my website, I have a Facebook pixel that gets set. And the reason for all of that is so that we know with. I'd be interested in something on the site. So I know that there are many people interested in this page or that page. And so I could, I have not ever, but I could now do some advertising. I could send ads to you so that if you were looking at something particular, you'd see ads related to that, which I've always said. It is the right way to go. If I'm looking to buy a pickup truck, I love to see ads for different pickup trucks, but if I don't want a car or truck, I don't want to see the ads. It isn't like TV where it sometimes seems every other ad is about. Car or a pickup truck. It drives me crazy because it's a waste of their money in advertising to me. After all, I don't want those things. And it's also not only just annoying in money-wasting. There are better ways to do targeting. And that's what the whole online thing is. Anyways, I told you about that because he had set up this pixel years ago. Basically, the Facebook pixel gets to know you. All of the people who like you that might've bought from you. Cause you can have that pixel track people through your site, your purchase site, they know what you purchase on the shopping cart, et cetera. And you can identify these people over on Facebook and their ads because they abandoned the cart or whatever it is you want to do there. So there's just a whole ton of stuff that you can do for these people. And it's so bad. It is so valuable. It takes years to build up that account. Years to put that pixel in place. And our friend here, he had done precisely that. Then he found that his account had been compromised. And that is a terrible thing in this case because the bad guy used his account to place ads. So now there are really two or three problems here. We'll talk about one of them. Why was the bad guy going after him? He has been running ads on Facebook for a long time. So as far as Facebook is concerned, his account is credible. All of the ads he runs don't have to be reviewed by a human being. They can go up almost immediately. He doesn't have to wait days for some of these things to go up. So our bad guy can get an account like his that has years' worth of advertising credibility and now start advertising things that are not correct. So there again is part of the value of having one of these older accounts for advertising. And so the bad guy did that use his credibility. And then secondly, he used 25 grand worth of my friend's money to run ads. Also, of course, very bad, very bad. So I sat down with him. In fact, it was this last week, and I was out on a trip with just a vacation trip. It was absolutely fantastic. I never just do vacation. It's always business plus work whenever I do anything like this, but I was on a trip last week. And so my eldest son who works closely with me, and he's also part of the FBI InfraGard program. So I had him reach out to my friend, and he helped them out, and they talked back and forth. So here's the problem that he has. And I'm trying to figure out a perfect way to solve this. And I haven't figured that out yet. And if you guys have an idea because you are the best and brightest, you really are. So go ahead and drop me an email at me@craigpeterson.com if a good way around this particular problem, which is he has. This Facebook could count and many other accounts, including his website, hosting account, email account, et cetera. And. He has people who manage his ads for him. Who operates his website for him, who put up some promotions, advertising, and everything else. So these are third-party. This is what we generically call a supply chain, risk people who are not him have access to his stuff, his private property. And how does he do it, or how did he do it? Is he went ahead and gave them. Access by giving them accounts or passwords. How well were they guarding their passwords and their accounts? So the first thing I had my friend do was going to haveIbeenpwned.com. I had him put in his email address, the one he uses the most, and it showed up in five different. Hacks data dumps. So these are five various sites where he had used that same email address in this case. And he found out that in those five cases, the bad guy's got his passwords and personal information. All bad. And he went ahead and cleaned it up. So I said put in the password because have I been, pwned also let you check your password, just see if it has been used by someone else and then stolen. So there are billions of passwords in this database. It's incredible of all of these known passwords. So he put in his password, and no, it had not been stolen, but the problem is how about the people that were managing his ads on Facebook and managing his Facebook ad. We're the usernames, which are typically the email addresses and the passwords kept securely. That's a supply chain thing I'm talking about, and that's where I'd love to get him. But from you guys, me@craigpeterson.com. If you think you have a good answer, What we've been doing. And our advice to him was use one password. That's the only one to use. I don't trust last pass anymore. After their last big hack where they got hacked one password, the digit one password. And go ahead. And set it up. And in a business scenario, you can have multiple vaults. So have a vault. That's just for people that are dealing with your Facebook ad account, maybe have another vault for people who are posting for you on Facebook. Or better yet when it comes to Facebook, go ahead and have an intermediary that is trusted the, if this, then that, or there's a few of them out there that can see that you put the post up on the website and automatically posted on Facebook. So you don't have to get. All of these people, your passwords, but again, it's up to you. You got to figure out if that makes sense to you that those are the types of things that I think you can do. And that is what we do as well. Now, one of the beauties of using one password like that, where you're not sharing all of your passwords to everything you're sharing, the minimum amount of login information that you possibly can share is that if they leave your employees, All you have to do is remove their access to the appropriate vault or vaults, or maybe all of your vaults. And this is what I've done with people that worked for me in the US and people would work for me overseas, and there have been a lot of them and it has worked quite well for me. So with one pass, We can enforce password integrity. We can make sure the passwords on stolen. One password ties automatically into have I been postponed. If a password has been exposed, if it's been stolen online, it's a great way to go. Now I've got an offer for you guys who are listening. I have a special report that I've sold before on passwords, and it goes through talks about one password. He talks about the last pass, which I'm no longer really recommending, but give some comparisons and how you can use these things. Make sure you go and email me right now. Me, Me@craigpeterson.com. That's ME at Craig Peterson dot com and just ask me for the password special report, and I'll be glad to get that on-off to you. There is a lot of good detail in there and helps you, whether you're a home user or a business. So the next step in your security is multi-factor authentication. Interesting study out saying that about 75% of people say that they've used it for work or for business, but the hard numbers, I don't think they agree One of the things that you have to do is use good passwords. And the best way to do that is to use a password manager. I was talking about a friend of mine who had been hacked this last week and his account was hacked. His Facebook ad account was hacked. We asked him if we could reach out to. BI and he said, sure. So we checked with the FBI and they're looking to turn this into a case, a real case, because they've never seen this type of thing, the hijacking of an advertising account who hijacked it. And why did they hide jacket? Was this in preparation maybe for. Playing around with manipulating our next election cycle coming up. There could be a lot of things that they're planning on doing and taking over my friend's account would be a great way to have done it. So maybe they're going to do other things here. And our friends at the FBI are looking into it. How now do you also keep your data safe? Easily simply. When we're talking about these types of accounts, the thing to look at is known as two factor authentication or multifactor authentication. You see my friend, if he had been using multi-factor authentication. I would not have been vulnerable. Even if the bad guys had his username, email address and his password, they still would not be able to log in without having that little six-digit code. That's the best way to do multi-factor authentication. When we're talking about this code, whether it's four or 5, 6, 8 digits long, we should not be using our cell phones to receive those. At least not as text messages, those have a problem because our phone numbers can be stolen from us and they are stolen from us. So if we're a real target, in other words, they're going after you. Joe Smith and they know you have some, $2 million in your account. So they're going after you while they can, in most cases, take control of your phone. Now you might not know it and it doesn't have to be hacked. All they have to do is have the phone company move your phone number to a new phone. Once. So that means one of the things you need to do is contact your telephone vendor, whoever it is, who's providing new that service. That's a company like Verizon sprint T-Mobile a T and Tone of those companies that are giving you cell service, you have to contact them and set up a pass. So that if they have a phone call coming in and that phone call can be faked. So it looks like it's coming from your phone, even if there was a phone call coming in, whether it's coming from your phone or not, they have to get that password or passcode that you gave them. And once they have that passcode now, and that's great, but if you don't have that in there targeting you specifically, then you're in trouble. So for many of us really it may not make a huge difference. But I would do it anyways. I have done it with every one of my cell phone carriers now. A couple of decades set up a password. So the next step is this multifactor authentication. If I'm not supposed to get it via text message to my phone, how do I get it? There are a couple of apps out there. There's a free one called Google authentic. And Google authenticator runs on your phone. And once it's there on your phone and you are setting it up on a website, so Facebook, for instance, your bank, most websites out there, the bigger ones, all you have to do is say, I want to set up multi-factor authentication, and then it'll ask you a case. So how do you want to do it? And you can say, I want an app and they will display. A Q R code. That's one of those square codes with a bunch of little lines inside of it. You're seeing QR codes before they become very common. And you take your phone with the Google authenticator app. Take a picture. Of that little QR code on the screen, and now it will start sinking up so that every 30 seconds Google authenticator on your phone will change that number. So when you need to log back into that website, it's going to ask you for the code. You just pull up Google authenticator and there's the code. So that's the freeway to do it. And not necessarily the easiest way to. Again, going back to one password. I use this thing exclusively. It is phenomenal for keeping my passwords, keeping them all straight and then encrypted vault, actually in multiple encrypted vault it's so that I can share some of them. Some of them are just strictly private, but it also has that same authenticator functionality built right into it. Microsoft has its own authenticator, but you can tell Microsoft that you want to use the standard authenticator. Of course, Microsoft has to do everything differently. But you can tell it. And I do tell it, I want to use a regular authenticator app, not Microsoft authenticator. By the way. That's why I advise you to don't use the Microsoft authenticator, just use one authenticator for all of the sites, and then Microsoft will give you that same QR code. And then you can take that picture and you're off and running. Next time you log in, it asks you for the code and instead of texting it to you to your phone smarter, otherwise it will not. That require you to open up your authenticator. So for me, for instance, when I'm logging into a website, it comes up and asks for the username, asked for the password. Both of those are filled out automatically by one password for me. And then it asks for that code identification code and. One password automatically puts it into my pace to buffer copy-paste, buffer, and I just paste it in and they've got the code. So I don't have to remember the codes. I don't remember passwords. I don't have to remember usernames or email addresses. One password remembers them all for me. Plus it'll remember notes and other things. So you can tell, I really one password. We use it with all of our clients. That's what we have for them. And it does meet even a lot of these DOD requirement on top of. Depending again, how much security you need. We will use duo D U O and it also has this authenticator functionality and we will also use UBI keys. These are those hardware key. They do oh, can provide you with hardware tokens. Those are those little tokens that can go onto your key ring. That show a changing six-digit number every 30 seconds. And that's the same number that would be there in your smartphone app. Your one password or Google authenticator smartphone. Hopefully, I didn't confuse you too much. I think most of the reason we're not using the security we should is because we're not sure how to, and we don't know what we're going to be. And I can see that being a big problem. So if you have questions about any of this, if you would like a copy of my password security, special report, just send an email to me. M e@craigpeterson.com. That's me M e@craigpeterson.com. That's S O N.com. I'll be glad to send it to you. Also, if you sign up for my newsletter there on my website@craigpeterson.com, you are going to get. I was hold little series of the special reports to help you out, get you going. And then every week I send out a little bit of training and all of my articles for the week. It's usually six to 10 articles that I consider to be important so that, what's going on in the cybersecurity world. So you can. With it for yourself, for your family, for your business. Craig peterson.com. According to researchers. 32% of teen girls said that when they felt bad about their bodies, Instagram made them feel worse. And you know what Facebook knew and knows Instagram is toxic for teen girls. There's a great article that came out in the Wall Street Journal. And I'm going to read just a little bit here from some of the quotes first. When I went on Instagram, all I saw were images of chiseled bodies, perfect. Abs and women doing 100 burpees in 10 minutes, said, Ms. Now 18, who lives in Western Virginia. Amazing. Isn't it. The one that I opened now with 32% of teen girls said that when they felt bad about their bodies, Instagram, I made them feel worse. So that is studies again, that looks like yeah, these were researchers inside Instagram and they said this in a March, 2020 slide presentation that was posted to Facebook's internal message board that was reviewed by the wall street journal quote comparisons on Instagram can change how young women view and describe themselves. Apparently, for the past three years, Facebook has been conducting studies into how Instagram is affecting its millions of young users. Now, for those of you who don't know what Instagram is, it allows these users to create little stories, to have. Pictures videos of things that they're doing, and it's a lifestyle type thing you might've heard, of course, of how this I don't know what it is. Kidnapping murder plot. These, this young couple and the body I think was found up in Wyoming. I'm trying to remember, but of her and it's yeah, there it is. It wasn't my OMI. And I'm looking up right now, Gabby potato. That's who it is. She was what they called a micro influence. And I know a lot of people who can loom, that's what they want to be. There's a young lady that stayed with us for a few months. She had no other place to live. And so we invited her in here and we got some interesting stories to tell about that experience. And it's, a little sad, but anyhow, she got back up on her feet and then she decided she was going to become an influence. And what an influencer is someone that has a lot of followers. And of course, a lot means different numbers. You get these massive influencers that have tens of millions of people that quote, follow unquote them. And of course, just think of the Kardashians they're famous for. Being famous, nothing else. They have subsequently done some pretty amazing things. At least a few of them have. We've got one of those daughters who now was the first earliest billionaire. I think it was ever youngest. So they have accomplished some amazing things after the fact, but they got started. By just becoming famous by posting on these social media sites. So you get a micro-influencer, like Gabby Petito, who is out there posting things and pictures. And you look at all of these pictures and, oh my gosh, they're up at this national park. Oh, isn't she so cute. I'll look at her boyfriend. They'll look so good together and people. Fall for that image, right? It's just like Photoshopping these pictures of models, changing them. There've been some real complaints about those over the years. So Instagram sets these kids up with these pictures of people that are just totally unrealistic. One of the slides from a 2019 presentation says, quote, we make body. Excuse me. We make body image issues worse for one in three teenage girls teams, blame Instagram for increases in the rate of anxiety. And depression said another slide. This reaction was unprompted and consistent across. Groups among teens is this according to the wall street journal who reported suicidal thoughts, 13% of British users, and 6% of American users trace the desire to kill themselves to Instagram. Again, according to one of these presentations, isn't this just absolutely amazing. And you might've heard it discussed a little bit. I saw some articles about it, obviously in the news wall street journal had it, but this is a $100 billion company, Instagram. That's what their annual revenues. More than 40% of Instagram users are 22 years old and younger. And about 22 million teens log into Instagram in the US each day, compared with 5 million that log into Facebook, the younger users have been declining. Facebook it's getting the population there is getting older and older on Facebook. In average teens in the us spend 50% more time on Instagram than they do on Facebook. And also tick-tock, by the way I took talk has now surpassed YouTube in some of these metrics. Quote, Instagram is well-positioned to resonate and win with young people said a researcher's slide posted internally. Inside Facebook. Another post said there is a path to growth. If Instagram can continue their trajectory. Amazing. So Facebook's public phase has really tried to downplay all of these negative effects that the Instagram app has on teens, particularly girls, and hasn't made its research public or available to academics or lawmakers who have asked for it. Quote, the research that we've seen is that using social apps to connect with other people. Positive mental health benefits said Mark Zuckerberg. He's the CEO of course of Facebook. Now this was 2020. In March one at a congressional hearing, he was asked about children and mental health. So you see how he really lawyered the words that they can have positive mental health benefits, but Facebook's own internal research seems to show that they know it has a profound negative effect on a large percentage of their users. Instagram had Adam Moseri told reporters in may of this year, that research he had seen suggest the app's effect on team's wellbeing is likely quote quite small. So what the wall street journal seems to be pointing out here is that Facebook is not giving us the truth on any of this stuff. It's really sad. We've got to be careful. No, apparently Mr. Moseri also said that he's been pushing very hard for Facebook to really take their responsibilities more broadly. He says they're proud of this research. I'm just summarizing this before we run out of time here, but it shows the document. Internal documents on Facebook show that they are having a major impact on teen, mental health, political discourse, and even human trafficking. These, this internal research offers an unparalleled picture. Courtney told the wall street journal of how Facebook is acutely aware that the products and systems central to its business success routine. Fail great article. I've got it in this week's newsletter. You can just open it up and click through on the link to the wall street journal. They have a paywall and I hate to use payroll articles, but this one's well worth it. And they do give you some free articles every month. So if you're not on that newsletter, you can sign up right now. Craig peterson.com. You'll get the next one. If you miss a link today, if you want some, the special report on passwords, et cetera, just email me directly. Give me a few days to respond. But me M e@craigpeterson.com. That's me M e@craigpeterson.com. We've all worked from home from time to time. At least if we're somehow in the information it industry, I want to talk right now about why you need a personal laptop. Even if the business is providing you with a laptop. Laptops are something that was designed to be personal, but many of us are using them as our main computer. I know I often am using my laptop, a couple of my kids and my wife. It's really their main computer, even though they all have other computers that they could potentially be using, laptops are just handy and you have them with, you can take them with you. We've got workstation set up that are kind of. Workstations, if you will, where there are three screens set up and they're all hooked up into one central screen controller that then has a USBC connection that goes right into the, your laptop. So you can be sitting there with four screens on your Mac laptop on your mac pro if you need four screens, it's really handy. No question. Many of us have a laptop for home and a laptop for business. And many of us also look at it and say, oh wow, this is a great laptop I got from work. It's much better than my home laptop. And you start to use the business laptop for work. At home. Okay. That's what it's for. Right. But then we start to use that business laptop for personal stuff. That's where the problems start. We've seen surveys out there that are shown. Then half of workers are using work issue devices for personal tasks that might be doing it at home. They might be doing it at the office. Things like personal messages, shopping, online, social media, reading the news. So the prospect of using your work laptop as your only laptop, not just for work, but also for maybe watching some movies, group chat and messaging, reading, fan fiction, paying bills, emailing to family or friend. It just seems not. It's so tempting. It's just natural. I'm on it. I'm on it all day long. Why wouldn't I just use it? And this is particularly true for people who are working from home, but we have to be careful with that. It's really something that you shouldn't be doing for a couple of reasons. One that. Top that's a business. Laptop is the property of the business. It's just like walking home with boxes, full of pencils and paperback in the old days, it is not yours to use for personal use. We also have to assume, assume since it is the company's laptop that hopefully it's been secure. Hopefully they haven't set up. So it's going through a special VPN at the office and it's going through special filters, maybe snort filters or something else. That's doing some deeper inspection on what's coming through your laptop. Well, there are also likely on that laptop. Tools that are monitoring your device. Things like key loggers, biometric tracking, Jill location, software that tracks your web browser and social media behavior, screenshot, snapshot software, maybe even your cam. Is being used to keep track of you. I know a number of the websites that I've used in the past to hire temporary workers. Those workers have to agree to have you monitor what they're doing. These hourly workers, subtle take screenshots of their screen, unbeknownst to them. Pictures from the cameras at random intervals. Again, unbeknownst to them, it'll track what they're doing. And so I can now go in and say, okay, well he billed me five hours for doing this. And I look at his screen and guess what? He wasn't doing that for all of those five hours that he just billed me. Well, the same thing could be true for your company, even if you're not paid by the hour. Right now, we're looking at stats that show over half of the businesses that are providing laptops for the employees to use more than half of them are using monitoring software. And through this whole lockdown, the usage of these different types of monitoring systems has grown. Now there's some of the programs you're using. You might be VPN in, you might be using slack or G suite enterprise, all good little pieces of software. They can monitor that obviously, but it goes all the way through to the business. And using your slack access as paid for, by the businesses also idiotic to do things like send messages to your buddies, set up drinks after work, complain to other people about someone else in the business, your boss, or otherwise your it, people at the business can see all of that. They can see what you're doing with slack. Even if you have a separate personal account. It's still more likely that you'll end up mixing them up if you're logged into both on the same computer. So the bottom line is if you are on a work computer, whether it's a laptop or something else, you can reasonably assume that I T can see everything. That's not. They own it. Okay. And they have to do some of this stuff to protect themselves. We put software on laptops for companies not to spy on employees. That's none of our business, but we put software on computers for employees. To make sure they stay safe. Think of what happens when your computer, your laptop, whatever it might be, connects to the company's network. Now that can be through a VPN. It can be because you take your laptop home or on the road when you're traveling and you bring it back into the office. If that computer is infected, somehow now you've brought that infection into the office. And that's how a lot of the malware works. It goes from computer to computer. So once they get in that front door where there's through a website and email that you clicked on or in a computer that you're bringing into the office, they can start to move around. Now it's not just your activity. And this is an interesting article from the verge by Monica chin. It's not just your activity that they can see on your laptop, but in many cases, they're also able to look at anything you're downloading any of your photographs or videos that you might've sinked up from your smart. Laura loading these types of things, your text messages on your work device for safekeeping, or just because it's your primary device might seem harmless, right? Cause you're just going to remove them before you hand it in. But some companies such as Apple won't allow you to wipe your device before handing it in regardless of how personal the contents are. And that makes sense too, because many times an employee leaves. And they don't give the company all of the information that they have, that they're obliged to give back to their employer. Things that they've been working on, customer information, et cetera. So Manalive, there are plenty of other devices out there. Hopefully if you leave your company with plenty of notice, moving a bunch of things off your work device in the last few days, uh, might raise some eyebrows at the. And I'm saying hopefully, because they should notice that sort of thing, because it could be malicious activity. It could be an insider risk that maybe they're not even aware of. There's so much you could go wrong here. So bottom line don't use the work laptop for home. So what should you use? You know, my personal recommendation. Almost always is get a Mac. They are safer to use the patches that they get are usually not destructive. You know, sometimes you can install a patch for windows and now your machine just won't work anymore. Right. You've had that happen. I know every last one of us out there that are tried to install Microsoft patches for a while have had that happen to them. All of a sudden the patch has completely messed up your computer and you are so out of luck, it's ridiculous. Right? So don't, you know, hopefully don't do that, but I like the max because they are basically safer than windows. And also because the patches just work on them, apple tends to get them out in plenty of time to try and protect us the next level. If he can't afford an apple and. Apple laptops really are not expensive when you consider how long they last and the quality that components, they are not expensive at all. But if you can't afford that, the next thing I would look at is getting a Chromebook. There are a lot of companies that make Chromebooks Chrome is an operating system from Google. It's similar to Android. Google keeps the Chromebooks up-to-date. They patch them quite regularly and make sure that there aren't nastiness is going on. You just have some of the same issues and Android has patches might take a while to get to you because it has to go through the vendor that made the Chromebook. You might have a Chromebook for Sam from Samsung, for instance, it's not Google's even though it's called a Google Chromebook. Now Chromebooks rely heavily on the cloud services that Google provides, but they can also run just locally. So with a Chromebook and you can get them for as little as 150 bucks, but remember you get what you pay for. Or as much as I've seen them in the $2,000 price range with fancy GPU's, local storage and other things, but at 150 bucks, it could be well worth it for you. It lets you do the regular word processing. Just think of what you can do with Google docs, spreadsheets against Google docs, spreadsheets, all of those types of things are built into it. You can. Cruz the web, obviously using Google Chrome on your Chromebook. And send and receive email, which is what most people do. That's really kind of all, most people do at home. So consider that as well. I also like iPad. They are quite safe again, but they tend to be more expensive and they can do pretty much everything. And now with Android support built right into Google Chromebooks, you can even run Android apps. So there you go. Keep safe and be safe out there. Right. Have a hack free life. Make sure you get my newsletter. Craig peterson.com/subscribe. Craig peterson.com/subscribe. The national cyber director, Chris Inglis said that we need cyber bullets, that cyber bullets are part of the war on hacks. And it makes sense on one level. But when you get into the reality, it's a much different story.. I had an interesting email this week from a listener. Actually he sent it about two weeks ago when I finally was able to get to it this week and responded, and he was pointing out how there are some things that I talk about on the show that I put into my newsletter that are really good. And. I'm paraphrasing here but theoretical to so many people, there's some things that you can figure out pretty easily yourself. Some things you can do yourselves and other things that are just different. To do still. And a lot of that has to do with the websites you go to in order to maintain your passwords. And he was complaining specifically about bank of America and how you can, according to what he has found here in the real world, you can come up with a. Password a 20 character long password that is going to keep everything nice and safe at trend to be generated. You're using one password and great. So you set your password up in bank of America's account, and then you try and log in later, and it doesn't work because it lets you put 20 character passwords and when you're creating it, yeah. But the login screen only takes the first 16. So of course they'd home match. You see it's things like that really are pushing us back, holding us back. But I'd say pushing us back from being secure as a country, there, there just aren't enough people paying enough attention to make sure this cyber security, even the basic stuff like passwords and two factor authentication are being done properly. So one of the things I wanted to make sure you guys were aware of is I need to know when you're having these problems, because what I want to do is put together some trainings to show you exactly how to do it. Because on some websites you were saying, it's pretty hard to use one password he's paying for it, but it's kinda difficult for him. And I think in some ways, a lack of understanding. Then, it can be difficult to spend a bunch of time trying to watch some training videos for some of the software. And so I want to hear when you're having problems so I can do what I did for him this week and spend a little time, write some stuff up, and I even am reaching out to some of this website. People like bank of America who are really messing up cyber security for people who are trying to do the right thing and writing them and saying, Hey, listen, I'm part of the FBI InfraGard program. I'm a member of it. I paid a lot of attention to cybersecurity. Heck I ran the training for the FBI InfraGard program for a couple of years, and there are some real things lacking. In the login anyways, and this one particular case of the cybersecurity, but I don't know all of this stuff. I'm not using all of these things and I have a disadvantage over you guys, and that is that I've been doing this for so long. I've forgotten what it's like to not know it. Does that make sense? So if you have something that I've talked about on the show, that's appeared in my newsletter and you're having some confusion over, let me know. Just email me M e@craigpeterson.com. What he did is he just hit reply to my newsletter. And of course, that goes to me and me@gregpeterson.com and it tracks it. So I know I need to reply, so I can sit down and go through and answer people's questions. I sent out a lot of the copies of my password, special report to people you guys had requested specifically some of the. People out there had requested a little bit of help. And I had sent out an email to most of the people that I could identify as being business people. I sent out a little thing saying, Hey, listen, if you could use half-hour my help, let me know myself or my team. And then, again, you can just send me an E Craig. So I answered a lot of those questions this week. And in fact, that's how I come up with much of what I cover here on the show. You guys ask the questions and that's how I know that it's a real problem. If I understand it, that's one thing. But for the people who don't do cybersecurity as their primary job or a strategy, I get it. I can get why you guys are confused. So make sure you get my weekly newsletter. So you can find out about all of the trainings, the free stuff, the paid courses, and. It's easy. Just go to Craig peterson.com/subscribe. That's Craig Peterson, P E T E R S O N. Craig peterson.com/subscribe. And I'm more than glad. Add you to that list. And there are now thousands of people on that list to get my email pretty much every week. If you miss it one week, it's probably, cause I just got too busy, but I put out all my show notes. I put it all a little bit of training notes, all. The us government is supposedly getting ready to fire what they're calling cyber bullets in response to these significant hacking attacks. This is what they're calling a comprehensive strategy to dissuade. Adversaries. And this is all from the national cyber security director, Chris Inglis. This is from an article in American military news.com by Chris Strome. That was out this week. And of course I included that in my newsletter this week as well, coming out. Today or tomorrow, depends on how this all goes right with the weekend. I got to help a buddy out today, but president Joe Biden has been really talking about how do we use cyber weapons to retaliate. For instance, he gave a list of industries that Russia should not be. As though Putin himself is running all of these hacks or come out of Russia. Yeah, certainly there are some that are part of their military, but there many of them that are just bad guys that are trying to make some money, we should feel sorry for them. So Biden gives him this list and says, Hey, listen, if you attack any of these various industries or actually portions of our economy, We are going to retaliate. We have seen the us retaliate under President Trump and the retaliation. Of course he did all kinds of economic stuff to stop it. And much of which has been reversed by president Biden's administration, but also he attacked them directly in. Down some power systems there in the Moscow area, which I thought was really kinda cool. So kudos to President Trump for doing that and for president and Biden now to say, Hey, we are going to attack back. Of course. The biggest question is. What would we be attacking? How would we be attacking it? And for what reason, for instance, the red Chinese have gone after our office of personnel management, OPM records and got them all back in 2015. So they now know everything about everybody that had a secret security clearance or the took a paycheck from the federal government. All of those records, they would get their hands on them and get them on all of the records a lot. So Inglis was in front of the let's see here, the, yeah, he was a former director of the national security agency. He's the first to hold his Senate-confirmed position at the white house, this national cyber director position. And he says there is a sense that we can perhaps fire some cyber bullets and shoot our way out of this English set at the conference. It was hosted by the way, by the national security agency and a nonprofit group, he said that will be useful in certain circumstances. If you had a clear shot at a cyber aggressor and I can take them offline, I would advise that we do so as long as the collateral effects are acceptable. Yeah. What we have done here under president Biden administration is we have shut down some people who were operating illegally, we have shut down some cyber actors that were attacking us. So we've been doing that, but it isn't exactly. Wow. We just saw a muzzle flash over there. And so we are returning fire to the area of that muzzle flash, because as I've said many times before, we just don't know. Where in fact that bullet is coming from, it makes it a lot more difficult. English went on to say there's a larger set of initiatives that have to be undertaken. Not one of those elements is going to be sufficient to take this. Out let's see here, the us should make clear to Russia now their adversaries, what kinds of attacks would prompt a response, which is what president Biden did when he was talking with, of course, President Putin over there, red lines of both good and bad red lines are clear and crisp. Although I got to say many of our administrations have. Really done anything about it. It's the red line in the sand and Syria president Obama didn't do anything when they stepped over that red line. So yeah. And then with what we just finished doing in Afghanistan, where we drew a red line and said, we're going to protect all of you who helped us. And then we not only abandoned them, but we abandoned Americans behind there. I don't think a lot of people aren't going to believe us. So here's the last statement here. And again, this is an article in American military news from our cyber chief is the government actions. Aren't always going to be broadcast. In some cases, it's not helpful to broadcast those for all of mankind to see another one. We are doing some things behind the scenes. And I have certainly seen some of the results of those over the last few years. Stick around. You're listening to Craig Peterson online@craigpeterson.com. You've got a smartphone and there are some new versions out, right? New hardware, new software, Android iOS. How long should you keep that device? How long can you stay safe with that older device? Apple has now done something. Different something they've never done before. One of the reasons that apple equipment tends to be safer than almost anything else out there is that they have, what's known as a closed ecosystem. There's arguments both directions here on whether that's safer or not. But the real advantage when it comes to cybersecurity is there are only. So many versions of the iPhone out there. What are we now in a couple of dozen versions of the hardware platform that makes it easier for apple to be able to support older versions of the software and multiple pieces of hardware, much easier than for, let's say Microsoft windows. It doesn't even have a single. Platform or Android, where there are hundreds of hardware platforms out there and tens of thousands of versions of the hardware, because one model phone can contain many. Changes different types of hardware to talk to the cell towers or the screen you name it. So it's very hard to keep up. Android has for quite a while now supported three versions of their operating system. Of course, we're talking about Google, but Android operating system. So they support the current release. Of Android and the Breviary release is two previous releases in fact of Android. Now that is frankly a pretty good thing to know, but there's over a billion Android devices out there that are no longer supported by security updates. We've got Android 10, nine, and eight that are fairly supported right now. We're actually up to Android 12. So here's how it works. If you've got Android version 10 out, if that's the main one, then you can continue to do. Eight and nine and get updates, security updates. But then here's the problem, everybody, those security updates are coming out of Google, but that does not mean that they are making it all the way to you. So there you go. It's one thing for Google to provide updates, but if you can't get them because your phone manufacturer is not supporting them, you've got trouble Samsung. Is probably the best company other than maybe Google and the Google Pixel phone. Samsung's the best company to go to. If you want some longer-term support. Many of these other companies just don't provide support past the current version. So keep that in mind as well. Android 12 was the 12th major version of Android announced by Google, February, 2021. And it is starting to roll out a Android. The 11th, 11 is the one that was out in February of last year. At least it was announced then. And we're, they're coming out, they're getting pushed out. So basically Google is saying the current version plus two prior versions. And that usually gives you about a four or maybe even a five year window. So if you're. An Android device from a major manufacturer, particularly Samsung on the Android side, your device is going to be good for at least four years, maybe five years now on the, and by the way, you don't necessarily have to upgrade the. You could be continuing to run an older release saw, as I mentioned earlier, if it version 11 is the current one that's out there being supported, which it is right. 12 is early still, but version 11, that means two prior versions still get security updates. You don't get featured. Dates, you don't get the new stuff, but you get security updates. So Android 11, the current one that means 10 and nine get security updates. So you don't, you're not being forced to do an upgrade. Most people don't upgrade their phones from an older major release to a newer major release. In other words, they don't try and go from Android eight to Android 11. Because in fact, most of the time, the hardware manufacturer doesn't support it. That's why there's over a billion Android devices out there right now that cannot get security updates. So have a look at your phone and your vendors. See what you're running. You probably want to do an update because most phones cannot get any support on the, in the apple side. Things are a lot different with Apple iOS, which is the operating system used on the iPhone and the I pad apple has always forced you to move to the next major version. No, they only force you to do that. If they support the hardware. And I've got to say kudos to them, they're still supporting the iPhone six S which came out quite a while. The iPhone success is something that my wife has been using and that I had as well. In fact, she got my old iPhone success, but that's a six-year-old. Phone came out in September of 2015. So it is still getting security updates, and we'll probably continue to get them. Not only is it getting security update this six-year-old iPhone success is getting the latest and our iOS operating system. It's getting iOS 15. Isn't that just amazing? Yeah, exactly. And so not just security updates, like you might get from some of the other vendors out there, Android vendors. So the apple keeps their arms around you for quite a while. Here's, what's changed now with Apple and iOS, the, for the first time ever in the iOS world, Apple is not forcing you to upgrade. So you're not being forced to upgrade to iOS 15. You can continue to run iOS 14. And that's how apples got around the security patches in the past, because what happens is you get the updates and installs them. Basically. There's no reason for you not to upgrade your phone. And so you do so apple never had to worry about releasing some of these fixes for really old versions of iOS. Although they have done that from time to time. In the Mac iOS side, Apple has done a couple of good things. The, where they always have supported basically three releases, what Google's doing with Android. So you now have a new feature. If you will, with iOS, here's a PSA for everyone. Public service announcement. You don't have to take the iOS 15 upgrade. Now I did. I put it on my iPhone and I seem to have some sort of a problem with messages where it's telling people that my phone has notifications turned off, which it does not. So I haven't figured that one out yet. I'll have to look into that a little bit more, but. This is nice because that means you're not going to have to upgrade your iPhone to iOS 15. You'll still get security updates for iOS 14, something Apple's never done before. We'll see if they continue this. We will see if they match Google going back. Three releases in Android. It just never been done before over on the iOS. So good news for them. Also course in the windows world and the Mac world, you really should upgrade the operating system as much as you can. Windows 11 though, man, windows 11. And I said this to my newsletter. I warned you guys is going to be a nightmare. For many people. You are not going to be able to do an automatic upgrade unless you have the newest of hardware, with the highest end of features, Craig peterson.com. One of the very big ransomware operations is back online. And now we have some inside information from one of the contractors working for this ransomware organization and oh yeah, there's an FBI tie, too.. This organization, ransomware gang, almost business, whatever you might want to describe them as is known as revolt. They have a few other names, but that's the really big one. And they are basically the 800 pound gorilla in the ransom. Business, you might be using cloud services right now. Maybe you use Microsoft's email service. Their Microsoft 360, I think, is what they call it now and use it for email and various other things pretty handy. It's mostly in the cloud. Computers you own or operate or have to maintain. I think that makes some sense too, but here's the bottom line it's software as a service right now, salesforce.com software as a service, Oracle has their accounting stuff. QuickBooks online, all software as a service. It isn't just those legitimate businesses that I just mentioned. That are using the cloud that are providing software as a service where you're paying monthly or however frequently. And you're getting this software as a service. That's what that means. Typically it means it's in the cloud and you don't have any real control over it. That's what this ransomware gang has been doing. This gang known as rebill. They all appear to be in. And there's some interesting stuff. That's come out. A transcript was released of an interview with one of their contractors. Now the original interview was in Russian. So I read through a translation of the Russian. I have no idea how good it is, but it is being quoted by a bank. Insider magazine that you might be familiar with bank info, security. That's one of the places that I follow. And there's a few interesting things that he talked about that I want to get into, but these are the people who have been behind things like the colonial pipeline attack and some of the other very large attacks, the way they work, their business model is. You can license their software, their ransomware software, and you go after a business or a government agency, whatever it might be, you get that ransomware software inside. And the reveal gang will take a percentage of the money that you have in rent. Now, how is that for a, an interesting business model, right? Taking something that the rest of the world has been using, and then take that model and put it into the legal side of the world. For three weeks, during this whole reveal ransomware attack, this summer turns out that the FBI secretly withheld the key that could have been used to decrypt. And computers that reveal had infected with ransomware and looks like kids up to maybe 1500 networks. Now those are networks, not just computers. That includes networks run by hospitals, schools, and businesses, including critical infrastructure businesses. The way the FBI got their hands on this decryption game. Is by penetrating reveal gangs servers. So they got into it. They were able to grab the keys and then the FBI waited before. Did anything with it. See, what they were trying to do is catch the people behind reveal. And so they didn't want to release information, get information out there to the press that might tip off those bad guys over there in Russia. And then shut down their operations. But as you might know, because I mentioned it here before the reveal gang went offline on July 13th, before the FBI could really track them down. And then the FBI didn't release the key until July 21st. And then I think it was Malwarebytes released a decryption tool. So if you had been hacked by the gang, you could. Now, remember it isn't reveal itself. That's doing most of them. Ransomware hacking if you will or a placement it's small guys. And that's why some people, including this contractor that apparently worked for the reveal gang itself says, people think that it's the Russian government, that it's Putin, that's doing this. He said, in fact, it's not it's small guys. And people like me are getting four or five hours a night. Because we're working so hard trying to make a whole of this work, come up with the new software approaches. We have to provide code tech support unquote to our affiliates, as well as tech support to the people who have had their computers and their data ransomed. So it a real interesting mix. Absolutely. Interesting mix. Now Christopher Ray here a couple of weeks ago, he's the FBI director told Congress that cool. We make these decisions as a group, not unilaterally. To the FBI and working with other government agencies, these are complex decisions designed to create maximum impact. And that takes time and going against adversaries, where we have to marshal resources, not just around the. But all over the world. So this Russian based gang first appeared in 2019, they've been around, they've been exporting large amounts of money from businesses for a very long time. One of the interest he'd things I think about all of this is that this reveal gang has their software as a service, and they provide it to quote affiliates, quote that, go ahead and then install the software, get you to install it on your computers in order to ransom you a double whammy ransom you, but there's now reports out there that there's a secret back door in the ransomwares code that allow. Rebill to go around their affiliates and steal the proceeds. How's that for hilarious, you've got a bad guy who goes in and gets the software from revolt, pays them a commission, and then reveal apparently has been jumping in on these customer support chats. In other words, you just got nailed and because you got nailed with ransomware, you have to go to. Chat room. And so you go in there and you're getting customer support on how to buy Bitcoin and how to transfer to their wallet. And apparently revival is getting right in the middle and is extorting money from these people directly instead of having the affiliates do it pretty amazing. So here's this part of this interview? It was aired on the Russian news outlet, London. And was trans translated by yeah. Flashpoint. Here are the guys that got the full transcript of the interview. He says in the normal world, I was called a contractor, doing some tasks for many ransomware collectives that journalists considered to be famous. Money is stolen or extorted with my hands, but I'm not ashamed of it. I do. And again, this goes into the thinking of many of these bad guys of Americans are all rich and they don't deserve what they have. He said, let's put it this way. This is a very time consuming job. And if you've earned enough, then you can quit the game. But chronic fatigue, burnout, deadline. All of these words from the life of ordinary office workers are also relevant for malware developers. So there you go. You should feel sorry for these malware developers who are developing software to steal millions from you and. Down our critical infrastructure. Hey, join me online. Craig peterson.com. And if you subscribe to my weekly newsletter right there on the site, I'll send you a few of my special reports. The most popular ones will come to you right there in your email box. Craig peterson.com/subscribe. We all pretty much have some form of insurance. And we're going to talk right now about the types of cyber insurance you may have. Now this might be through your homeowners policy or perhaps a rider on a business policy. Many of our homeowners policies have started coming with cyber insurance. So we're going to talk about that. What is it? Businesses as well are also using cyber insurance and I'm sure you've heard of insurance basically called LifeLock and what that's all about. So let's kind of start. When we have a breach in a business, usually what happens is information about our customers is stolen. Look at some of the biggest breaches in history where we. Hundreds of millions of our personal records stolen Equifax breach is an example of a huge breach where we had all kinds of personal information that was stolen by the bad guys. Now, some of this information gets stale pretty quickly, but of course, other parts of it like our address, our social security number, they are probably not going to change for years. If for. No, of course our social security number will never change the social security administration. Just doesn't reissue them for very many reasons at all. And they do not reissue a social security number was stolen online because. Just about everybody's has, so what does a company like LifeLock do? They keep an eye on your credit report for you. And they're looking at what's going on new accounts that are open. They look at various other things, just related to that. And they, at that point say, wait a minute, something weird is happening. Now my credit cards, for instance, I have a credit card that if let's say I buy two of the same thing, one after the other and the, both the same price that credit card company pops a message right up on my phone saying, Hey, did you just buy two? Of these $15 things from and I can say yes or no, if I'm out on the road and I am purchasing gas, the credit card can pop up on my phone and it does and say, Hey, will you just trying to buy gas at this gas station? Because what'll happen as you use the credit card at the pump. And the pump says it was denied and then up at pops and yeah. Okay. No, that was me. And they said, okay, we'll try the transaction. Okay. And we'll approve it next time. And that's all automated. And that has nothing to do with LifeLock. LifeLock is there to more or less detect that something happened and if something happened and it was a bad guy and basically your identity was stolen. So they might be trying to buy a Ferrari in your name or maybe a 10 year old, four Ford focus, whatever it might be. And. They will help you try and clean it. That's what they do. So that's why it's cheap. And I don't know that it's terribly useful to you if you're really concerned. Go ahead and do that, but do keep an eye on your credit report. I do as well. My bank has free credit reporting for me, my credit card. Same thing. Free credit reporting that lets me know everything that's going on. So that's an easy way to tell WhatsApp. And there are different types of cyber insurance beyond this sort of thing, beyond the LifeLocks of the world. And many of us just get our cyber insurance through our homeowner's policy. It's a little rider. And businesses can buy cyber insurance as well. We have cyber insurance, that's underwritten by Lloyd's of London and we provide a $500,000 or million-dollar policy to our clients. As well, because that's what we do is cyber security, right? So the idea is if one of our clients gets hit, we have some insurance to back us up, but of course we go a lot further. It's almost like the LifeLock where if you do get hit by ransomware or something else, we will help you get back in business. We'll help restore your data. We'll help you with providing you. The information you need in order to do press releases, which agencies you need to contact, which of your customers you need to contact. And we've got scripts for all of that. So you can send it all out and just take care of it. So the idea is you don't want ransomware. So you hire us. We are extremely likely to keep ransomware out of your systems. And on top of that, if you are hit with ransomware, we restore everything. LifeLock does not do that. Obviously they all, I'll only do stuff after the fact and the cyber insurance you buy from an insurance agency is much the same, and there's a huge caveat with these policies that we're buying for our businesses and for our homes. And that is. They have a checklist at the insurance companies. Did you do this and this? And if you did, then they might payout if you did not, they may not payout. In fact, pay outs on cyber insurance policies are not known because. Bottom line. They really don't payout. Okay. I'm looking at some numbers right now and about paying ransoms and everything else. You may or may not. You got to have a look at it. Many of these policies are never paid out by the cyber insurance covers. They usually just regular insurance companies, but it's a special rider. And what they do is they say, Hey, listen, you did not follow the rules, so we're not going to payout. And there are many cases. If you go online and do a search, just use duck, go and say cyber insurance, payout. Lawsuits I'm doing that right now is. And it'll come up and show. Oh, okay. Does it cover lawsuits? Why are liability claims so costly? Yeah, exactly. A 2% payouts is talking about here. I'm invoicing, the most common cyber insurance claim denial. Yeah, it goes on and on. There are a lot is an act of war clause could nix cyber insurance payouts. That's another big one that they've tried to use. So the cyber insurance company will say, Hey, that was China attacking you. Therefore it was an act of. And you can bet if there is a big hack, they will use that. Think of what happens with the hurricanes coming onshore. How much do they push back on payouts? Especially with the real big one, it would bankrupt them. So we gotta be very careful. There are some different types of cyber insurance. Policies do which have different types of coverages. You've got the first party lost loss, I should say. So that's you to covering you and your loss, your first-party expenses, third party liability. Each one of those has specific parameters. So sub-limit retention and others. First-party losses are usually including the loss of revenue due to business interruption. First party expenses would include all of the services and resources that you needed to use to recover from attack like forensic or system rebuilding services. These third-party liabilities. May cover expenses and legal fees related to potential damage caused by the incident to third parties like partners, customers, or employees whose sensitive information may have been compromised. So read them carefully. Be very careful. There are next-generation, cyber insurance policies are going even further and make these types of services. Prior to any incident to reduce exposures and prevent incidents in the first place. Now we don't provide insurance. We are not an insurance company, but that's basically what we're trying to do here. Not become an insurance company, but to make sure. The businesses have the right services so that the likelihood of anything happening or is extremely low. And then following up after the fact it's different obviously than insurers in and insurance, the guardians, Jessica Crispin had a great article about a couple of weeks ago that I've been hanging on. And it's talking about this tattle where that's been incorporated into the computers we're using at home. Now we're specifically talking about employers that are putting this. The software on computers, they belong to the companies. A lot of businesses are worried. If workers are at home or where we can't see them, how do we know that they're actually working, not watching Netflix or something else on. They have, of course, come up with software that can reassure your boss. It does things like take snapshots of what you're doing. Record your keystrokes grabs photos from. Picture from your camera. There's a new program called sneak, which makes your webcam take a photo of you about once a minute and makes available to the supervisor to prove you're not away from your desk. There's no warning in advance. It just takes that photograph catches your doom. Pretty much anything can be absolutely anything. Then, it's the type of thing you'd expect the national security agency to do. So there are some good reasons for this lack of trust because sometimes employees have not been doi
Our friend Kevin Cafferty is back for a Top 4 1/2 List dedicated to our favorite weird city: Woonsocket, Rhode Island! Both Kevin and Kevin (lot of Kevins on the show this week) spent way too much time in Woonsocket back in the 80s, and remember it all too well. Our conversation includes: Fine Woonsocket dining (weiners and coffee milk, fish and chips, egg rolls and jazz), movies at the Stadium Theatre and Cinemas 1-2-3 (and 4), thrift shopping at the flea market and Joe's Moldy Oldies, Pac-Man at Pizza Hut, Donkey Kong Junior at Social Donut, crazy Rhode Island cable TV shows, the majesty of Autumnfest, and lots more northern Rhode Island weirdness. (When you've had enough, you can slip right over the border to Massachusetts. It's pretty weird there too.) Check out Kevin Cafferty's podcasts: Gleaming the Tube! Let's Get Chatty About David and Maddie! And our regular links... The Flopcast website! The ESO Network! The Flopcast on Facebook! The Flopcast on Instagram! The Flopcast on Twitter! Please rate and review The Flopcast on Apple Podcasts! Email: info@flopcast.net Our music is by The Sponge Awareness Foundation! This week's promos: Thunder Talk! Doctor Geek's vaccination PSA!
Chapter 121PSA.121:1 I will lift up mine eyes unto the hills, from whence cometh my help.PSA.121:2 My help cometh from the LORD, which made heaven and earth.PSA.121:3 He will not suffer thy foot to be moved: he that keepeth thee will not slumber.PSA.121:4 Behold, he that keepeth Israel shall neither slumber nor sleep.PSA.121:5 The LORD is thy keeper: the LORD is thy shade upon thy right hand.PSA.121:6 The sun shall not smite thee by day, nor the moon by night.PSA.121:7 The LORD shall preserve thee from all evil: he shall preserve thy soul.PSA.121:8 The LORD shall preserve thy going out and thy coming in from this time forth, and even for evermore.
Apologies to anyone who was expecting to tune into an episode of Subtle Frequencies this week. The Da Vinch Company has disrupted our broadcast with this PSA about their new pony-sharing service. Here's what they have to say: "Da Vinch's new Pwn-E brand ponies are the hottest new way to get around town! They're easier than walking, cheaper than a car, and very easy to use! If you're interested in this revolutionary program, please listen to this PSA to learn some dos and don'ts for the Pwn-E brand pony. Disclaimer: Da Vinch is in no way liable for any injuries sustained while using our product. Furthermore, you are extremely liable if any harm comes to our property. " Content Warning: car crash, death via automobile impact, animal mistreatment/ implied death, human vaporization Support Subtle Frequencies by contributing to their Tip Jar: https://tips.pinecast.com/jar/subtlefrequencies Find out more at https://subtlefrequencies.pinecast.co This podcast is powered by Pinecast.
Play NFL Sunday Night Football Tampa Bay Buccaneers Vs New England Patriots on www.statementgames.com. Free 2 Play! Go 10 for 10 with your picks and you can win a PSA 10 Rob Gronkowski Rookie card. To WIN you must: Play TBVsNE on www.statementgames.com. Go 10 For 10 with your picks Subscribe to the SG YouTube Channel. Drop a comment in the box below with your username and #10 Pick --- Send in a voice message: https://anchor.fm/idpguys/message Support this podcast: https://anchor.fm/idpguys/support
The Last Row Podcast is back with an episode longer than a flight to Val Verde, as Drew and Badway raid the 1985 Schwarzenegger classic, Commando. The guys discuss the production audibles that lead to the film's increased body count, ghost henchmen, good dad Arnold, and an important PSA on garbage day etiquette. We'll see you again on Thursday, October 14th. --- Subscribe: Subscribe with Spotify Subscribe with Apple Podcasts
R.I.P. to not only #Grelon (Grimes & Elon) and #Deruna (Jason Derulo & Jena), but also we must pay our respects to #Tomley (Tom Cruise & Hayley Atwell...) Whether you believe in true love (that of Tom Hiddleston and Zawe Ashton or Elvira and "T") or you're here for Jeannie Mai's pregnancy (and subsequent drama), I bet you'll love this episode. If this is simply too many couples, stay for a warning on CoolSculpting from Linda Evangelista and a PSA that Jacob Elordi is simply TOO TALL. Plus, Meghan King is dating Biden's nephew, Nick Cannon's therapist gives him some good advice, Lil Baby got sold a fake watch, Kathy Hilton wore a tablecloth and FINE, WE'RE GOING TO CARBONE (for the TikTok!) Call 619.WHO.THEM to leave questions, comments & concerns, and we may play your call on a future episode. Support us and get a ton of bonus content over on Patreon.com/WhoWeekly and come see us on tour! Tickets at WhoWeekly.us/live. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Bryan shares with Hoadley his love for the Chicago Cubs, Harry Caray, WGN Radio and The 7th Inning Stretch. tHen he shares his disdain for Conor McGregor's slaughter of the Wrigley Tradition of singing Take Me Out! Finally, the gang reviews a government produced movie from the 1940's warning soldiers of STD's, loose women and the danger of unclean sex. It's an eye-opening film that shows the backwards attitudes toward women, sex and movie making! LINKS:Want a TCB limited edition collectible sticker? Each series sticker is limited and first come, first serve. Click HERE to find out how!Or send a text or voicemail to 661-Best-2-Yo (1.661.237.8296)Watch this episode on YoutubeTCBTV-minusSponsorStreamlight Lending By SunTrust Bank (Use Code TCB for additional interest savings)DBSAlliance For Mental Health HelpMagic Spoon (Use Code TCB)FUM (Use Code TCB) Smokeless Pipe for Smoking SesationMEMPHO Music Fest (Oct 1st-3rd 2021)Castbox is the TCB partner for the Mempho Fest showsSubscribe to The Commercial Break Podcast Youtube ChannelNew Episodes on Tuesdays and now Fridays everywhere!Text or leave us a message: 1-(661)-BEST-2-YO | (1-661-237-8296)
Welcome to the Card Foundation Podcast episode 33! This week, we bring you the latest news on Friday's Major Pod Network card set release! Plus, we discuss the rookie cards of Brian Pillman Jr., Upper Deck AEW hobby box price increases, PSA grading reveals, eBay buying and selling etiquette, and so much more! Follow us on Instagram @cardfoundationpod and on Twitter @cardfoundpod and subscribe to get all of our latest episodes!
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