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From floods in Kentucky to fires in California to hurricanes in Texas, there's never a shortage of natural disasters wreaking havoc on our country. Over the past 42 years, the US government has spent $2.2 trillion in total to support the relief efforts of natural disasters. However, due to the economic toll that disasters take on the regions affected, that amount is likely far too little. And rather than just spending in response to weather-related events that have already happened, there is a more focused effort on proactive spending, to ensure power and resources are available in the case of a future disaster. In May, the White House issued a statement that it could spend an additional $25 billion to $128 billion each year on Federally-funded relief efforts that would minimize the disruption to the population and the economy. Anyone who's been through a FEMA-declared disaster area knows how serious these problems can be. There needs to be support for the companies who are there to help. Yet interestingly, there has never been a way to invest in a basket of these disaster-relief companies. Shouldn't there be a fund that supports these businesses? Now, there is. In today's 7investing podcast, 7investing CEO Simon Erickson chats with Andrew Chanin, the co-founder and CEO of Procure Asset Management. Procure AM has created the Disaster Recovery Strategy ETF. With ticker "FEMA", it is the world's first disaster-relief themed ETF. In the conversation, Andrew describes what led him to create the fund and how it is different than existing climate change funds. He looks for companies under contract with government organizations. Publicly-traded companies mentioned in this interview include Clean Harbors, Generac Holdings, Home Depot, Lowe's, Maxar and Tetra Tech. 7investing's advisors or its guests may have positions in the companies mentioned. Welcome to 7investing. We are here to empower you to invest in your future! We publish our 7 best ideas in the stock market to our subscribers for just $49 per month or $399 per year. Start your journey toward's financial independence: https://www.7investing.com/subscribe Stop by our website to level-up your investing education: https://www.7investing.com Join the 7investing Community Forum: https://discord.gg/6YvazDf9sw Follow us: ► https://www.facebook.com/7investing ► https://twitter.com/7investing ► https://instagram.com/7investing --- Send in a voice message: https://anchor.fm/7investing/message

It's A Motown Monday!!! Changing the rules because of Covid? Plus, Alan Dershowitz on Mar-A-Lago and more... and Kray News with Kay Smythe.

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

Kane and Kingy review the week that's been at Port Adelaide, with David Koch and Ken Hinkley once again thrashing out Hinkley's future in the press.

Table of Contents: STRATEGIC WARFARE PRAYER!!!! THE SUMMONING: 72 nations PUBLICLY worship satanic idols in televised Luciferian ritual Molech Worship In Plain Sight At The Birmingham England 2022 Commonwealth Opening Ceremony Who is Molech? What you are witnessing right now on a global scale is the coordinated, government-funded, ritualistic invocation of supernatural fallen angels, devils…

I'd like to thank today's sponsor, Richey May. Richey May is a recognized leader in providing specialized advisory, audit, tax, technology and other services in the mortgage industry and in banking. The firm has also consistently been recognized as one of the fastest growing firms in the country, and has been named to the HousingWire Tech 100 in Mortgage, Accounting Today Firms to Watch, and the Fastest Growing Firms. The firm has also received multiple awards for Excellence in Firm Culture from Inside Public Accounting. To experience how Richey May can help you transform your mortgage business, visit richeymay.com.

0:00 Demons 8:10 Nancy Pelosi 13:30 Biden 17:20 Demonic War 43:05 China vs Pelosi 1:16:50 Conserving Finances 1:31:00 Dollar Stores For more updates, visit: http://www.brighteon.com/channel/hrreport NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

Did Jesus have to die a public, agonizing death, or could he have saved us by living sinlessly and dying in obscurity?

Gerard, Sam and Matthew Lloyd spoke at length about where the club is at.

SERIAL killer Bandali “Ben” Debs was nominated as a suspect in the murder of sex worker Adele Bailey  after her body was found in a Bonnie Doon mineshaft in 1995.  VICTORIAN manufacturers could be forced to shut up shop if gas prices continue to skyrocket with a consumer watchdog revealing the east coast faces a shortfall next year as producers continue to ship most of their supply overseas. PUBLICLY funded religious hospitals in Victoria would no longer be legally able to refuse abortions under proposed new laws that would “protect and extend fundamental human rights”. AUSTRALIA'S tax on beer is on the rise again with the biggest increase in more than three decades set to be passed on to pubs and beer lovers. For updates and breaking news throughout the day, take out a subscription at heraldsun.com.au.See omnystudio.com/listener for privacy information.

Dr. Lynne Fenton discusses the psychiatric treatment she provided James Holmes before the 2012 shooting in Aurora, CO, her inability to thwart his killing rampage, and her thoughts on how to prevent future mass shootings. And University of Iowa epidemiologist Mike Pentella discusses the “brain eating amoeba” that recently closed a beach at a state park.

47th Ward Ald. Matt Martin joins Lisa Dent on Chicago’s Afternoon News to discuss a proposed ordinance that would mandate city elections for aldermen and the mayor to be publicly financed. Follow Your Favorite Chicago’s Afternoon News Personalities on Twitter:Follow @LisaDentSpeaksFollow @SteveBertrand Follow @kpowell720 Follow @maryvandeveldeFollow @LaurenLapka

Healthcare columnist Mary Jane Hampton looks at the increasing number of services you can access... for a fee.

Bert recently opened up about his fiancée's health. Kristin was one of the first to strongly suggest she visit her doctor about her problem ASAP! However, there is a health issue that Kristin has avoided seeing a doctor about. So today, she wants us to hold her accountable of making a doctor's appointment. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thank you for listening! Please enjoy our weekly sermon from Pastor Mike Rodrigues of Aliante Community Baptist Church. We invite you, your family and friends to join us as we study God's word. We pray that you will be blessed by today's lessons from God's Word and we invite you to contact us with any questions you may have - especially questions regarding your relationship with the Lord Jesus Christ. We want to help you with your walk of faith in the Lord Jesus Christ and with your understanding of His Holy Word, the Bible. May God richly bless you! Scripture Reference Matthew 10:27-33 Key Points Preach the Word! Matthew 10:27-28, 2 Timothy 4:11-5. Live a life of reverent obedience! Matthew 10:28. God's children have great value and dignity. Matthew 10:29-31 Privilege and reward. Matthew 10:32-33 What do we learn from this passage? We are to preach the Word without fear and without compromise! We are to live each day with a heart filled with loving reverence for and in awe of our Heavenly Father, our Creator and Sovereign Lord. We are to acknowledge Whose and who we are! (Psalm 100:10-5) There are only two choices: Heaven or Hell. Which do you choose? Donations We are accepting offerings via our church website. Donation Link Your financial support of our ministry is greatly appreciated.   Contact Information info@aliantecommunitybaptistchurch.com Website www.aliantecommunitybaptistchurch.com Recorded on July 24, 2022 at Aliante Community Baptist Church in North Las Vegas, NV

Bert recently opened up about his fiancée's health. Kristin was one of the first to strongly suggest she visit her doctor about her problem ASAP! However, there is a health issue that Kristin has avoided seeing a doctor about. So today, she wants us to hold her accountable of making a doctor's appointment. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tara Newman is the Founder and CEO of the Bold Profit Academy and host of the Bold Money Revolution. She joins the show today for a conversation about the importance of remembering why most of us start businesses and seek out entrepreneurship, how common growth strategies can lead to a lack of resiliency, and how service providers can avoid the mindset of selling themselves. This is a great episode for those wanting to make their business work for them and their life, rather than having their life be working for their business. Key Takeaways:[3:58] Many of us come to entrepreneurship out of necessity. Tara talks about her diagnosis of Lyme Disease, and how getting COVID-19 also flared up her EB Virus. To heal, she needed proper time and space to focus on her health journey, which having your own business can allow. [8:00] The pandemic cycle introduced new layers that we hadn't had to consider before. This resulted in many of us having to re-engineer our businesses. [15:26] Why it's detrimental to condition your reward system to seek likes, followers, and comments rather than true value. [19:32] Tara explains how the online business model is the most costly thing she has ever seen. [23:03] Tara is a big believer that you can be a millionaire without having a million-dollar business. [24:49] There is no regulation for digital advertising and research shows that up to 88% of ad clicks are fraudulent. [27:45] Publicly held companies are cutting their ad revenue and marketing because they know they can make sales without them. [38:07] The biggest benefits to having a profit-first framework as a method. [48:05] What has Tara learned as a wartime leader? Mentioned in This Episode:Productive FlourishingStart Finishing: How to Go from Idea to Done, by Charlie GilkeyThe Productive Flourishing AcademyMomentum AppTara Newman: Bold Profit Academy

On the eve of its last scheduled public hearing, Rep. Jamie Raskin says the January 6 Committee will show outtakes from the video Trump recorded on January 7, after being pressed by his aides to condemn the violent actions of the Capitol rioters. Three Trump world insiders join CNN Tonight to discuss what we've learned from the hearings so far, and what we know about tomorrow's witnesses - key ex-Trump aides Matthew Pottinger and Sarah Matthews. Plus, a top Wisconsin GOP lawmaker says Trump called him last week in a new push to overturn the 2020 election results, a judge orders Rudy Giuliani to testify as a witness before the grand jury that's investigating Donald Trump's attempts to undermine the 2020 election, and A.G. Merrick Garland on potentially charging Trump: "no person is above the law". Hosted by Laura Coates. To learn more about how CNN protects listener privacy, visit cnn.com/privacy

*CW: This episode includes mentions of CSA and self-harm. i've personally struggled with drugs and alcohol as a method of escapism from trauma and ptsd. activist, organizer, and model jeannie jay park can relate, after going through own complicated journey with substance abuse & coping with trauma. but one of the most important things we've both learned is that sometimes you have to open your mouth to save your ass, so we're ready to speak publicly about just how challenging its been and what we're doing to take care of ourselves now that we have a greater understanding of the places we've been and the ways we've been conditioned.  Jeannie Jay Park on Instagram: https://www.instagram.com/jeanniejaypark/?hl=en More of Jeannie's work: https://linktr.ee/jeanniejay Executive Producers: Nadya Okamoto, Adell Coleman, Brittany Temple Senior Producer: Quinton Hill Producer: Kelsey Klein, Larry Shapiro, Kacey Lee and Maiqi Qin Distributor: DCP Entertainment Learn more about your ad choices. Visit podcastchoices.com/adchoices

As a Jesus Follower, Do You Forgive Others Before They Forgive You, Just as Jesus Did for You on the Cross? MESSAGE SUMMARY: We modern-day Christians are bad about living in our bitterness towards others whom we believe have “wronged us”. However, in Luke 23:33-34, Jesus set the example and His expectations for the “forgiveness of others” when He sacrificed Himself on cross for us: “And when they came to the place that is called The Skull, there they crucified him, and the criminals, one on his right and one on his left. And Jesus said, ‘Father, forgive them, for they know not what they do.' And they cast lots to divide his garments.". We are great at putting on our Christian face for the public. On the other hand, we have someone in our lives, when even their name is mentioned, we become hateful and bitter towards this person in our actions and words. Jesus modeled what we are to do from the cross -- we are to forgive the person that elicits this kind of bitter response in our lives. We need to release this person and then get on with our lives. As Jesus said: “Father, forgive them for they know not what they do.”.   TODAY'S PRAYER: Lord, help me to grab hold of you today. I need you. Set me free to begin reorienting my life around you, and you alone. Help me to pay attention to and honor how you have uniquely made me. Thank you for the gift of rest. In Jesus' name, amen.       Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 122). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, I will not be ashamed of the Gospel. I will not be ashamed of the Gospel of Jesus Christ for it is the power of God for the salvation of everyone who believes (including me). From Romans 1:16 SCRIPTURE REFERENCE (ESV): Matthew 6:14-15; Matthew 6:9-13; Ephesians 5:1-2; Psalms 13:1-6. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

As a Jesus Follower, Go to God in Your Fear and Anxiety Because Jesus Says: “do not be anxious about tomorrow” MESSAGE SUMMARY: Your problems are not too big for God; God is faithful. Your financial issues, your debt, your health issues, and your sins are not too big for God. God is faithful, and He is trustworthy. Why not take, to God, all those things in your life that are creating anxiety? In Psalms 9:9-10, the Psalmist encourages you to put your trust in God: “The LORD is a stronghold for the oppressed, a stronghold in times of trouble. And those who know your name put their trust in you, for you, O LORD, have not forsaken those who seek you.". Also, Jesus tells us, in Mathew. 6:33-34, that you can put our trust in Him and not be anxious about your problems: “But seek first the kingdom of God and his righteousness, and all these things will be added to you. Therefore do not be anxious about tomorrow, for tomorrow will be anxious for itself. Sufficient for the day is its own trouble.”. Our God is a faithful God – reach out to God when fear and anxiety are taking a firm hold on your life.   TODAY'S PRAYER: Lord, fill me with the simple trust that even out of the most awful evil around me, you are able to bring great good — for me, for others, and for your great glory. In Jesus' name, amen.     Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 91). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, because of I am filled with the Holy Spirit, I will not be controlled by my Evil Ways. Rather, I will walk in the Spirit's fruit of Goodness. “The fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control.” (Galatians 5:22f). SCRIPTURE REFERENCE (ESV): Mathew. 6:25-34; Mathew. 10:19-20; 1 Corinthians 7:32-35; Psalms 48:1-14. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Are the Ten Commandments, God's Law which He Gave to Us, Becoming Irrelevant for America? MESSAGE SUMMARY: Today, are we saying that the Ten Commandments are irrelevant for America? Are the Ten Commandments becoming illegal in America? If so, why? As a nation, we no longer teach or practice the Ten Commandments. We have made it illegal to post the Ten Commandments, which are God's Law to us, on most walls of our courts and government schools. From a spiritual perspective, how can God, the Creator of the Universe, bless a nation which mocks and/or ignores Him? Paul, in Galatians 6:6-7, cautions both us and our governments regarding the mocking of God: “Let the one who is taught the word share all good things with the one who teaches. Do not be deceived: God is not mocked, for whatever one sows, that will he also reap.”. From a practical perspective, how can a society and a government function when their foundation has been removed? Our form of government was founded on the ethical base of the Ten Commandments. The Ten Commandments were in the thoughts and cultural norms of the people that created our country.   TODAY'S PRAYER: Lord, everything in me resists following you into the garden of Gethsemane to fall on my face to the ground before you. Grant me the courage to follow you all the way to the cross, whatever that might mean for my life. And then, by your grace, lead me to resurrection life and power. In Jesus' name, amen.   Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 100). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, Because of who I am in Jesus Christ, I will not be driven by Lust. Rather, I will abide in the Lord's Perfect Provision. “I am the vine; you are the branches. If a man remains in Me and I in him, he will bear much fruit; apart from Me you can do nothing.” (John 15:5). SCRIPTURE REFERENCE (ESV): Romans 1:10-12; James 5:13-18; Exodus 3:1-15; Psalms 136a:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Jesus Followers Run & Win Life's Races by Submitting Their Preferences to God Before Making Life-Defining Choices MESSAGE SUMMARY: You need to submit your life preferences to God. By submitting your life preferences to the Lord, He can help you to understand the life path to which your preferences will lead. Paul, in 1 Corinthians 9:24, tells us that our Life Preferences need an overarching focus: “Do you not know that in a race all the runners run, but only one receives the prize? So run that you may obtain it.". Life preferences are not, necessarily, sins; but they can close doors in your life. In Matthew 10:37-39, Jesus provides a context from which we can assess life preference choices: “Whoever loves father or mother more than me is not worthy of me, and whoever loves son or daughter more than me is not worthy of me. And whoever does not take his cross and follow me is not worthy of me. Whoever finds his life will lose it, and whoever loses his life for my sake will find it.".   TODAY'S PRAYER: Lord, fill me with the simple trust that even out of the most awful evil around me, you are able to bring great good — for me, for others, and for your great glory. In Jesus' name, amen.     Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 91). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that, because I am in Jesus Christ, I press on toward His goal for me. (Philippians 3:12f). “I can do everything through Him who gives me strength.”. (Philippians 4:14). SCRIPTURE REFERENCE (ESV): Matthew 10:37-39; 1 Corinthians 9:12-27; James 3:13-18; Psalms 135:12-21. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

There's no shortage of things going on right now in the investing world. Rapidly-rising interest rates, inflation at a forty-year high, and a broad market selloff are giving investors and the financial media plenty to talk about. However, there are also other factors -- which aren't necessarily making headlines -- that will have deeper implications for long-term investors as well. Stock based compensation is one of those. SBC has traditionally been a great way for fast-growing companies to reward their high-performance employees and to encourage retention. When times are going well, everyone's getting paid and everything is good. But will things change in the current state of the market, with stock prices falling and companies struggling? Will it manifest in the financial statements of Silicon Valley's high-flying tech companies? And will it impact the overall strategy of the executive teams of those companies? We tackle those questions and many more in today's 7investing podcast. 7investing CEO Simon Erickson chits and chats with Ryan Henderson and Brett Schafer from Chit Chat Money, to discuss how several companies are handling stock-based compensation in today's era. Ryan and Brett are also the portfolio managers of Arch Capital, which is a real-money fund that is actively investing in stock market opportunities. The two describe why they've taken several positions in the gaming industry -- including Nintendo, Electronic Arts, and Take-Two Interactive. And in the final segment, the group discusses a few things investors should be keeping an eye on in 2022. Publicly-traded companies mentioned in this interview include Apple, DocuSign, Electronic Arts, Microsoft, Nintendo, Peloton, Take-Two Interactive, Tesla, Upstart Holdings, and Yext. 7investing's advisors or its guests may have positions in the companies mentioned. Welcome to 7investing. We are here to empower you to invest in your future! We publish our 7 best ideas in the stock market to our subscribers for just $49 per month or $399 per year. Start your journey toward's financial independence: https://www.7investing.com/subscribe Stop by our website to level-up your investing education: https://www.7investing.com Join the 7investing Community Forum: https://discord.gg/6YvazDf9sw Start a free YCharts trial: https://ycharts.com/store/start_trial_register?utm_source=7Investing&utm_medium=blog&utm_campaign=2022+7Investing Follow us: ► https://www.facebook.com/7investing ► https://twitter.com/7investing ► https://instagram.com/7investing --- Send in a voice message: https://anchor.fm/7investing/message

God Blesses You in Your Obedience, but God Leaves You to the Consequences of Your Sin in Your Disobedience MESSAGE SUMMARY: Your relationship with God is only between you and God. God desires relationships with each of us, individually, even though you may have been fortunate enough to have a Godly mother, father, siblings, and/or a spouse. God has given us covenants upon which to build His relationship with you, as Paul tells us in Romans 8:34-35: “Who is to condemn? Christ Jesus is the one who died—more than that, who was raised—who is at the right hand of God, who indeed is interceding for us. Who shall separate us from the love of Christ? Shall tribulation, or distress, or persecution, or famine, or nakedness, or danger, or sword?". The people of the Old Testament found that living apart from God's covenant relationship brought disaster. God is a covenant God; He will bless you if you obey Him. If you disobey God, God leaves you to the consequences of your sins.   TODAY'S PRAYER: Lord, you know how difficult it is for me to be in silence before you. At times it feels almost impossible, given the demands, distractions, and noise all around me. I invite you to lead me to a quiet, silent place before you — to a place where I can hear you as Elijah did. In Jesus' name, amen.     Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 123). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, because of I am filled with the Holy Spirit, I will not be controlled by my Despair. Rather, I will walk in the Spirit's fruit of Joy. “The fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control.” (Galatians 5:22f). SCRIPTURE REFERENCE (ESV):  1 Corinthians 11:25-26; Leviticus 26:9-12; Nehemiah 9:32; Psalms 135a:1-11. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awordfromthelord.org/listen/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Dan and Ryan discuss their family backgrounds growing up and whether elders kissing adult children, grandchildren, nieces, and nephews on the lips is a common practice. It's a foreign concept to Dan, while Ryan has seen and experienced it quite often. But is it appropriate? And does President Joe Biden get a pass for repeatedly kissing his adult granddaughter in such a way publicly? Especially when he has a well-established history of crossing the lines of decency with young girls in the White House - not to mention a diary entry by his daughter Ashley stating he took inappropriate showers with her as a young girl.

We are so excited to kick off Season 2 with this interview episode! This week, we are joined by Matt Beisner CPDT-KA, FDM. Matt is the founder of THE ZEN DOG, and host of the popular international show “Dog: Impossible” on Disney+. One of the things that we see a lot, not only when it comes to folks learning more about enrichment, but in the field of animal behavior itself, is that it can be really hard to assimilate new information that conflicts with what you previously knew. Some people let this stymie them, and keep them from growing and learning. Other people, like Matt, are able to go through this process with humility so that they can continue learning and growing. So while today's episode is not as enrichment-heavy as others, this is a topic that will help you to get to that next level with your enrichment strategy. In this episode, you're going to hear Emily and Matt talk about:How to process when you're presented with information that conflicts with what you knowHow to keep from drinking your own kool-aidImposter syndromeYou can find the full show notes here.

Jesus Gave His Followers the Holy Spirit to Walk with Them in Their Personal Relationship with God MESSAGE SUMMARY: Isaiah tells us about Jesus Followers' communications with the Holy Spirit in Isaiah 30:21: "And your ears shall hear a word behind you, saying, ‘This is the way, walk in it,' when you turn to the right or when you turn to the left.". We know, from the New Testament, that Jesus Followers are given the Holy Spirit to walk with them -- "a voice behind you". Since the Holy Spirit takes up residence in you, the way the Lord speaks to you is through the inward witness of the Holy Spirit -- the Spirit will speak, and you will know that it is the Lord. In John 14:26, Jesus reminds us about His promise, to His followers, of the “Helper” (Holy Spirit): “But the Helper, the Holy Spirit, whom the Father will send in my name, he will teach you all things and bring to your remembrance all that I have said to you.”. Additionally, in John 16-7, Jesus tells us that not only will the Holy Spirit be your “Helper”, the Holy Spirit will be your “Comforter”: “Nevertheless I tell you the truth; It is expedient for you that I go away: for if I go not away, the Comforter will not come unto you; but if I depart, I will send him unto you.".   TODAY'S PRAYER: Lord, I now take a deep breath and stop. So often I miss your hand and gifts in my life because I am preoccupied and anxious. Grant me the power to pause each day and each week to simply rest in your arms of love. In Jesus' name, amen.    Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 132). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, Because of who I am in Jesus Christ, I will not be driven by Fear. Rather, I will abide in the Lord's Faithfulness. “I am the vine; you are the branches. If a man remains in Me and I in him, he will bear much fruit; apart from Me you can do nothing.” (John 15:5). SCRIPTURE REFERENCE (ESV): Ezekiel 22:30-31; Isaiah 30:21; John 14:23-27; John 16:7-13; Psalms 134:1-3. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?”, at our Website: https://awtlser.podbean.com/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Jesus Followers Have Eternal Life, Even Before their Earthly Death, Because Whoever “believes him {God} who sent me {Jesus}” MESSAGE SUMMARY: First, the moment you become a Jesus Follower, you have immediate Eternal Life; and you become a Citizen of Heaven.  Jesus tells us, in John 5:24, that His followers have Eternal Life and are Citizens of Heaven here on earth living their earthly lives: “Truly, truly, I say to you, whoever hears my word and believes him who sent me has eternal life. He does not come into judgment, but has passed from death to life.". As Christians and Citizens of Heaven, we know that the Lord is coming back -- either to greet us when we die or before we die at His Second Coming. For most of us, however, our vision of Heaven is clouded by looking backwards; therefore, the return of Jesus does not have any power in our life. Paul reinforces the return of the Lord of Heaven in Philippians 1:6: “And I am sure of this, that he who began a good work in you will bring it to completion at the day of Jesus Christ.". When Jesus returns, we will put on our spiritual bodies, as promised. As Jesus tells us in Matthew 4:17: “From that time Jesus began to preach, saying, ‘Repent, for the kingdom of heaven is at hand.'”.   TODAY'S PRAYER: Lord, Sabbath rest is truly an unbelievable gift! Thank you that there is nothing I can do to earn your love; it comes without any strings attached. As I close my eyes for these few minutes before you, all I can say is, thank you! In Jesus' name, amen.    Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 133). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: I affirm that because of what God has done for me in His Son, Jesus, I AM A CHILD OF GOD. Yet to all who received Him, to those who believed in His Name, He gave the right to become children of God-- children born not of natural descent, nor of human decision or a husband's will, but born of God. John 1:12f SCRIPTURE REFERENCE (ESV): 1 Peter 1:1-18; 1 Corinthians 11:23-27; Luke 22:20; Psalms 1:1-6. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus?” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Are You Willing to Speak Up and Share, Publicly, Your Relationship with Jesus? MESSAGE SUMMARY: Are You Willing to Speak Up and Share Publicly Your Relationship with Jesus? (Resurrection Anglican Church; Woodstock, GA) To what extent are you willing to share with others your relationship with Jesus? What price are you willing to pay, personally, so that others may know the good news of Jesus – the Gospel? What are you willing to go through to advance the Kingdom of God? In Ephesians 3:1-2, the Apostle Paul summarizes the price that he joyfully accepts to carry the news of the Gospel to the Nations: “For this reason I, Paul, a prisoner for Christ Jesus on behalf of you Gentile -- assuming that you have heard of the stewardship of God's grace that was given to me for you.". In Acts 26:19, Paul gives his public testimony, in his hearing before King Agrippa; and told the King and everyone in attendance that he, Paul, felt privileged to testify, to the Nations, about his conversion and his relationship with Jesus: “Therefore, O King Agrippa, I was not disobedient to the heavenly vision, but declared first to those in Damascus, then in Jerusalem and throughout all the region of Judea, and also to the Gentiles, that they should repent and turn to God, performing deeds in keeping with their repentance.". Paul was in prison facing a trial by the despotic Emperor of Rome, Nero. However, you may never have to go to prison or face death to communicate the Gospel; but you will face both physical and emotional discomfort as you become a visible follower of Jesus. While articulating the Gospel to others is important, the most effective way to communicate the Gospel is not by what you say but how you live – walk the talk and let others see Jesus in you. The world, the country, your friends, and your family have so many issues and hurts for which Jesus and His Gospel are the answer; but we keep this good news a secret by our unwillingness to live a visible life walking the talk of the Gospel and sharing the Gospel. Do you have the faith and courage and are you willing to share the Gospel? If you do, then pray for God's guidance to you for His will and role for you.   TODAY'S PRAYER: Keeping the Sabbath, Lord, will require a lot of changes in the way I am living life. Teach me, Lord, how to take the next step with this in a way that fits my unique personality and situation. Help me to trust you with all that will remain unfinished and to enjoy my humble place in your very large world. In Jesus' name, amen.    Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 129). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: I affirm that because of what God has done for me in His Son, Jesus, I AM A CHILD OF GOD. Yet to all who received Him, to those who believed in His Name, He gave the right to become children of God-- children born not of natural descent, nor of human decision or a husband's will, but born of God. John 1:12f SCRIPTURE REFERENCE (ESV): Ephesians 3:1-21; Acts 9:15; Acts 26:12-23; Psalms 124:1-8. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. WEBSITE LINK TO DR. BEACH'S DAILY DEVOTIONAL – “Jesus Followers Have Eternal Life, Even Before their Earthly Death, Because Whoever “believes him {God} who sent me {Jesus}””: https://awordfromthelord.org/devotional/ DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Today we return from a COVID hiatus! Ethan had an unfortunate birthday surprise that had him locked in the basement the last week, so we recap his experience in the brig. We also celebrate Dan's 5 year anniversary on the podcast, go over the biggest Jordan Peterson mask off moment yet, and much more!

Original blog post More articles at cloud.google.com/blog

Adam O'Brien is a bitcoin entrepreneur and the CEO of Bitcoin Well, the first publicly traded bitcoin company in the world that allows customers to self-custody their bitcoin. Bitcoin Well also operates over 250+ bitcoin ATM's across Canada.Adam's startup story is very inspiring. He bootstrapped his company from one bitcoin ATM in Edmonton, to over 250 ATM's across the country, listing his company on the TSX, and doing ~$100M in annual revenue.Apart from learning about his incredible business, and what it takes to operate a publicly traded bitcoin company, we also touched on several important macroeconomic topics in this episode, including:- The position of bitcoin in today's rollercoaster economy- How over-reaching governments help bitcoin- The importance of self-custody wallets- Handling banks and regulations with a bitcoin company- The emergence of Central Bank Digital Currencies (CBDC) around the world, and how that impacts bitcoin- Best place in the world to be for bitcoin investors and entrepreneursThis was a very insightful chat that encompasses a wide-range of important topics. I encourage anyone to listen to this episode, whether you're into bitcoin or not. Enjoy!Check out Bitcoin Well: https://bitcoinwell.com/Follow Adam on Twitter: https://twitter.com/adamobrien_

P&C drink and review a single-hop IPA, then discuss therapy culture. Are we addicted to therapy? Have we redefined ourselves around our emotions? Are we all vulnerable, broken, "at risk," scarred for life? There's been an erosion of the boundary between the private and the public. Now we have TV shows where people disclose their personal issues. There's nothing more virtuous today than seeking treatment. We've demonized silence, stoicism and a stiff upper lip. Do healthy people really have to talk about themselves? Publicly?

REFERENCE:https://www.marketplace.org/2013/03/25/how-much-does-big-supreme-court-case-gay-marriage-cost/ https://apnews.com/article/supreme-court-coach-prayer-2981a8073ea82a1a688c367270c941aa

Wyoming PBS has barred the public and the press from the first congressional debate.  An interview with Skip Crawford who is running for Johnson County Clerk

Supreme Court Associate Justice Sonia Sotomayor's remarks on a peculiar aspect of Associate Justice Clarence Thomas, giving us a glimpse into the hidden world of the high court, but also into the characters of Thomas and Sotomayor. Scott Ott, Stephen Green and Bill Whittle have produced a panel discussion news show five times weekly for more than a decade. Our Members support this work at https://BillWhittle.com

Tom welcomes back to the show, Martin Armstrong. Martin discusses his economic confidence model and his study of historic economic patterns. Studying all the historic booms and busts, he developed a model around investor expectations. Every inflation wave is different, and this one won't be fixed by raising rates. This one is based on shortages and not a speculative boom. They don't want to admit that the lockdowns started the collapse in the supply chain. There is no economic understanding with politicians as they all operate with blinders. We're going to see more unrest in Third World countries due to energy costs. People will vote from their recent experience. When Trump became elected, populism became the enemy. Politicians are threatened by nationalism. The truth is, most of them hate democracy. The heads of the E.U. are appointed and governments in that union are subservient. It doesn't really matter who gets elected. These people would love to impose a similar system here in North America. The W.E.F. is discussing a debt default while making it sound like they have the public's best interest at heart. Publicly, the West is waging war against the Russian people with the objective of overthrowing Putin. This theory has never worked. All that occurs is the population blames the West, and this tends to improve his popularity. The causes of hyperinflation are usually fairly complex. For Germany in 1922 they couldn't repay their reparations, so they confiscated 10 percent of everyone's assets for a bond. However, this action caused citizens to rapidly diversify out of the state currency. Usually, hyperinflations are the result of a loss of confidence. He describes how the capture of a Roman emperor created a loss of confidence in the government and began the debasing of the currency. Central banks and politicians are surrounded by academics that believe in economics like MMT. Their understanding is limited, and therefore their policies will fail. He discusses his model and how it's indicating a shift in the types of government from Republics to more direct democracies around 2032. Republics represent their own self-interest, and that eventually is their downfall. He expects another collapse around 2032. Time Stamp References:0:00 - Introduction0:38 - Economic Confidence Model8:40 - Malice or Stupidity?10:20 - Power Cycles & Davos16:05 - Debt & Owning Nothing17:38 - Russia & Putin's Ratings20:10 - Society & Religions22:18 - Historic Hyperinflations30:42 - The Problem with Debt35:47 - MMT - The Road Ahead?37:43 - Ukraine Outcome?44:40 - Soros & China/Russia50:00 - The Coming Shift53:58 - CBDCs and Control55:38 - Manias and Bubbles?58:46 - The Gold Cycle & Assets1:04:14 - Housing Markets1:05:03 - Censorship1:07:06 - Wrap Up Talking Points From This Episode Inflationary pressures are being caused by supply chain disruptions.Expect further unrest due to energy costs.The historic causes of hyperinflations.Why governments will move from Republics to more direct democracies. Guest Links:Website: http://armstrongeconomics.comTwitter: https://twitter.com/strongeconomicsFacebook: https://www.facebook.com/martin.armstrong.167Amazon Book: https://tinyurl.com/ybtrslr9 Martin Armstrong is the Owner and Researcher for the website Armstrong Economics. He is the former chairman of Princeton Economics International Ltd. He is best known for his economic predictions based on the Economic Confidence Model, which he developed. At age 13, Armstrong began working at a coin and stamp dealership in Pennsauken, New Jersey. After buying a bag of rare Canadian pennies, he became a millionaire in 1965 at the age of 15. He continued to work on weekends through high school, finding the real-world exciting, for this was the beginning of the collapse of the gold standard. Martin became captivated by this shocking revelation that there were not just booms and busts, but also peaks and valleys that would last centuries. ...

This week's #musicianmonday post is a story about someone leaving a crappy review of my band and what I did to get past it and move on.  As you get opportunities to play bigger shows or municipal events, you may experience folks who aren't stoked on your group because they didn't have to pay for it and weren't necessarily there to see you.  This is how you should respond to those.Thank you so much for tuning in!  If you want to help be sure to like, subscribe and share with your friends!  Linktree: linktr.ee/adampatrickjohnsonFollow us on Instagram!@coverbandconfidential@adampatrickjohnsonIf you have any questions please email at:Coverbandconfidential@gmail.comConsider supporting me on Patreon! www.patreon.com/coverbandconfidentialOr buy me a cup of coffee!paypal.me/cbconfidentialAnd for more info check out www.coverbandconfidential.com

The Altium stories flow as Ben Jordan discusses working at Altium with Dave! Ben was a long time Altium employee and PCB and product specialist and still makes Altium tutorial videos on Youtube. He has also worked for Autodesk on Fusion 360. Ben now has his own consulting company Jordan DSP and co-hosts a regular live Youtube show with Bil Herd Follow him on Twitter

Tony DiMatteo and co-founder Matthew Clemenson looked for something that was inevitable in technology to become the category king.7 years ago, they started what is now Lottery.com and took it public via a SPAC. Publicly traded as LTRY Lottery.com allows app users to legally purchase and redeem lottery tickets seamlessly on their phones.But the journey was not all smooth sailing.Going public has its own unique challenges that Tony says cannot be described with words. It's an entirely different world for entrepreneurs. For one, your primary goal becomes serving your shareholders. But it has its own benefits too.In this episode, Tony shares the journey of getting lottery.com to where it is and his big vision for the company.Tune in and enjoy!Key Takeaways- What is lottery.com (02:32)- When Tony first realized he was an entrepreneur (04:42)- Launching at a pitch competition (11:55)- Going public in a unique way (13:32)- Challenges of going public (16:57)- The business model of Lottery.com and future plans (22:06)- The inevitability of technology (24:10)Additional Resources Lottery.com-------You can find the transcripts and more at http://bizninjaradio.comBe sure to follow me on Instagram @bizninja---Subscribe to the podcast on Apple, Spotify, Google, Stitcher, YouTube, or anywhere else you listen to your podcasts.If you haven't already, please rate and review the podcast on Apple Podcasts!

Publicly, the government once called UFOs a “waste of time”, but new evidence and uncovered documents prove that the U.S. government is, and for decades has been, very interested in the UFO phenomenon. Who are these people coming forward with these government secrets?Fringe Network: Alien State is part of The Binge, a new podcast channel from Sony Music Entertainment.The Binge: All Episodes, All at Once. Coming June 6th.From Somethin' Else and Sony Music Entertainment. Learn more about your ad choices. Visit megaphone.fm/adchoices

In 1988, Tony Falkenstein started Just Life Group, one of the first water-cooler companies in New Zealand. In 2016, Falkenstein identified the need to diversify into new service offerings and opted to start acquiring companies. Since then, Falkenstein has acquired six businesses, aligning with their overall focus of enhancing lives through healthy living and healthy homes. Just Life Group is a publicly-traded company with a current market cap of $46.799M as of June 9, 2022.

Publicly, the government once called UFOs a “waste of time”, but new evidence and uncovered documents prove that the U.S. government is, and for decades has been, very interested in the UFO phenomenon. Who are these people coming forward with these government secrets? From Somethin' Else and Sony Music Entertainment. Fringe Network: Alien State is part of The Binge, a new podcast channel from Sony Music Entertainment. The Binge: All Episodes, All at Once. Coming June 6th. Learn more about your ad choices. Visit megaphone.fm/adchoices

* #Bilderberg begins — Who's there and why you can't believe what they tell you about their agenda* INTERVIEW: Self-Sufficient Economies & Govts Hoarding Food. Gerald Celente, TrendsResearch.com, joins. Biden's economic war against Americans, dragflation, and survival* Biden bows to OPEC, keeps American production shut* COINCIDENCE THEORY Fauci's $10 MILLION Monkeypox Research grant* CISA (Cybersecurity & Infrastructure Security Agency) admits voting machine in 16 states not secure. Here's why it's MUCH worse than they sayFrom gay mirage to grooming pre-Kindergarten kids — an inevitable progression* Civil War 2.0: SPLC poll shows young male Dems & young female GOP support assassination, unlike older generations of either party* Corrupt school district, caught pushing "sex work" to children as normal, holds incriminating evidence hostage unless parents pay $20,000Find 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-show Or you can send a donation throughZelle: @DavidKnightShow@protonmail.comCash App at:  $davidknightshowBTC to:  bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Mail: David Knight POB 994 Kodak, TN 37764

* #Bilderberg begins — Who's there and why you can't believe what they tell you about their agenda* INTERVIEW: Self-Sufficient Economies & Govts Hoarding Food. Gerald Celente, TrendsResearch.com, joins. Biden's economic war against Americans, dragflation, and survival* Biden bows to OPEC, keeps American production shut* COINCIDENCE THEORY Fauci's $10 MILLION Monkeypox Research grant* CISA (Cybersecurity & Infrastructure Security Agency) admits voting machine in 16 states not secure. Here's why it's MUCH worse than they sayFrom gay mirage to grooming pre-Kindergarten kids — an inevitable progression* Civil War 2.0: SPLC poll shows young male Dems & young female GOP support assassination, unlike older generations of either party* Corrupt school district, caught pushing "sex work" to children as normal, holds incriminating evidence hostage unless parents pay $20,000Find 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-show Or you can send a donation throughZelle: @DavidKnightShow@protonmail.comCash App at:  $davidknightshowBTC to:  bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Mail: David Knight POB 994 Kodak, TN 37764

The Senate voted to send the peoples money to Ukraine, this is not want the people wanted. The Biden admin is having a tough time explaining why this is all happening. The [CB] economic narrative has them, they opposite is happening, they are not in control. Another bank takes on Bitcoin. The [DS] is now trying to derail the Durham trial, they will try every trick in the book, the patriots already knew this. The [DS] is now using everything they have to push fear, communication blackout, gun control you name it, it is all failing. The [DS] has no control the patriots have the leverage and they are playing the game. Misdirection sometimes creates one person to turn on another (publicly). Buckle up its going to get bumpy.

Ilhan Omar complains about a video of a Christian ministry singing about Jesus on an airplane during Easter weekend; the media continue to panic over Elon Musk's attempted Twitter takeover; and Disney is quietly backing away from its woke aggression. Become a Daily Wire member and watch me debunk common leftist talking points in 15 minutes or less on Debunked: https://utm.io/ueumz. NBA star Jonathan Isaac has withstood immense pressure to conform to popular social issues. He's now writing a book about his experience- and is publishing with the Daily Wire. Pre-order your copy now: https://utm.io/ud96e. Learn more about your ad choices. Visit megaphone.fm/adchoices