Podcasts about Risk

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The probability of loss of something of value

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  • Oct 20, 2021LATEST
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Best podcasts about Risk

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Latest podcast episodes about Risk

KUOW Newsroom
City of Seattle employees pass deadline to get vaccinated, get an exemption, or risk losing their jobs

KUOW Newsroom

Play Episode Listen Later Oct 20, 2021 0:52


Seattle Mayor Jenny Durkan says less than one percent of workers failed to turn in their paperwork.

Socialette: Bite-Sized Online Marketing Podcast
Launching | How live launching removes the risk of nobody buying

Socialette: Bite-Sized Online Marketing Podcast

Play Episode Listen Later Oct 19, 2021 6:54


Live launching is a great way to remove the "what if nobody buys" fear that can pop up when you're launching. This episode, I'm explaining how you can use live launching to make sure you don't end up in a situation where nobody is buying. Grab my 5 Simple Tweaks to Boost Your Launch Profits at http://stephtaylor.co/tweaks Already launched and want to make sure your next launch is more profitable than your last? Take the Launch Cure quiz at http://stephtaylor.co/cure Are we Instagram friends yet? Connect with me over at http://instagram.com/stephtaylor.co 

Commercial Real Estate Pro Network
BIGGEST RISK with Michael Zuber

Commercial Real Estate Pro Network

Play Episode Listen Later Oct 19, 2021 2:15


J. Darrin Gross: I'd like to ask you, Michael Zuber, what is the BIGGEST RISK?   Michael Zuber   So the biggest risk? And again, I asked myself this all the time, right? Because I look at it, I go, what is my biggest risk? And if I can, if I can survive the downside, right? up through all those things, those that I think about it all the time. So in my portfolio, my biggest risk that I've been working on all year is variable interest rate risk. I have commercial loans, I own apartment buildings. And those loans reset 357 10 years, depending on what you have. And over the last year, I have feared that I could see at point of refi, where rates, you know, I had a rate of three and a half. I was like, what happens if this is seven, seven and a half? Right? So what I had been doing actively over the last year or so is taking all of my loans and looking for ways to get 30 year money. One thing you can do because there's now for the first time, really in the last couple years are these vendors called non qm lenders, non non qm lenders. And I work with a lender who has taken all of my apartment risk and allowed me to get 30 year money at 3.99%. So it's not a Fannie Freddie loan, it's a 3.9 non qm lender. So I've been I've been actively working to get all of my apartment buildings, and I'm even paying prepayment penalties on one of my loans. Because I I'm deathly afraid of interest rates shooting up. And if that happens, of course, apartment buildings, if rates go to seven cap rates, gotta go to what 910 and then the valuation calls and they're gonna say, hey, you're now in technical default and you got to cut a big check. That freaked me out for a while. So I've been working very hard to Take all of my just double rate mortgages on apartment buildings and go get 30 year money even if I have to, even though my payment goes up slightly now, I'm okay with that. So that was the biggest one for me. Cuz I looked out years ahead and go, wow. Because again, I've been through the last crash, what caused the last residential crash? It's all those adjustable rate mortgages that popped up that and their payments reset. I looked at that going, Oh my God, if that happens to my apartment buildings, and then the cap rate goes up and the value is cut in half. You know, where do I go? So that was a big one for me. So that's, I'm working on my last one right now.  

Green Connections Radio -  Women Who Innovate With Purpose, & Career Issues, Including in Energy, Sustainability, Responsibil
The Energy Industry Does ESG – Katie Pavlovsky, Deloitte Energy, Resources & Industrials

Green Connections Radio - Women Who Innovate With Purpose, & Career Issues, Including in Energy, Sustainability, Responsibil

Play Episode Listen Later Oct 19, 2021 39:15


“We did see that the industry accelerated its energy transition and many of the companies, during the height of the pandemic, were announcing their zero goals… and announced production cuts going forward over the next decade through automation and looking for opportunities to do this, and the pandemic was certainly an accelerator.” Katie Pavolvsky, Deloitte Energy on Electric Ladies Podcast Energy consumption and prices plummeted during the pandemic, which was a wake-up call to the oil and gas sector. With the big UN Climate Conference known as COP26 coming up in days, the huge spotlight on ESG investing and strategies (for Environment, Social and Governance), plus President Biden's infrastructure bills with lots of provisions affecting the energy sector moving through Congress, Joan wanted to talk to an expert in the oil and gas sector about how the sector is coping and pivoting. So, what are the energy companies doing in response? Listen to Katie Pavlovsky, head of Deloitte's Energy, Resources and Industrial Services break it down with Electric Ladies host Joan Michelson in this insightful and engaging interview.    You'll hear about: What ESG looks like for the oil and gas companies, one decision at a time. How the pandemic was a dry-run of what a transition to a clean energy economy will look and feel like, especially for the oil and gas sector that saw their bottom lines fall through the floor. Why the ESG focus is also improving efficiencies, which creates new types of jobs for the sector and, therefore, opens the door to more diverse talent. How the combination of hybrid work and the drive toward greater transparency are highlighting the reputational as well as financial risks of not adapting fast enough to this changing energy ecosystem.   Plus, insightful career advice …. “Even within energy and on the topics of environmental, social, and governance, what is the role that women can play in particular, in moving forward that agenda and driving earlier results just based on the networks that they have with each other?” Katie Pavolvsky on the Electric Ladies podcast  Read Joan's related Forbes articles here too. You'll also want to listen to: Jennifer Gerbi, Ph.D., Deputy Director and Acting Director, ARPA-E, the innovation arm of the Department of Energy  Lisa Jacobson, Business Council for Sustainable Energy, on the impact of covid on energy and transitioning to a clean energy economy Anne Kelly, VP of Government Relations at nonprofit Ceres, which helps businesses and policy come together for the planet and people, as well as the economy Michele Wucker, thought leaders and author of “You Are What You Risk: The New Art & Science to Navigating an Uncertain World.” Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.. Thanks for subscribing on Apple Podcasts or iHeartRadio and leaving us a review! Reach us on Twitter @joanmichelson    

Discover Indie Film
201. Michael Dailey & Morgan Lintz “Turner Risk”

Discover Indie Film

Play Episode Listen Later Oct 19, 2021 74:27


Michael Dailey & Morgan Lintz in an undisclosed location I met Michael Dailey and Morgan Lintz when they brought their award winning feature film "Turner Risk" to the Sherman Oaks Film Festival in 2019.  The film did not disappoint, pulling in four awards at SOFF that year.  Soon after that festival I chatted with Michael and Morgan about interviewing them on this podcast, but if you do the math that was late 2019 and 2020 was a bit of a challenge.  It may be nearly two years later, but we finally gave up on an in-person chat and hopped onto FaceTime to finally discuss their careers and "Turner Risk." You should watch "Turner Risk" ASAP.  It is a shining example of indie cinema done right. Find the film and learn all you need to know about it at PhenomenonFilmworks.com. Comments are blocked on this website. To discuss Discover Indie Film podcasts or TV episodes, visit the Facebook Page. You can listen to the podcast using the media player below or on iTunes, Spotify, Google Play, SoundCloud, or Stitcher. Podcast

Experiencing Data with Brian O'Neill
076 - How Bedrock's “Data by Design” Mantra Helps Them Build Human-Centered Solutions with Jesús Templado

Experiencing Data with Brian O'Neill

Play Episode Listen Later Oct 19, 2021 43:38


Why do we need or care about design in the work of data science? Jesús Templado, Managing Director at Bedrock, is here to tell us about how Bedrock executes their mantra, “data by design.”    Bedrock has found ways to bring to their clients a design-driven, human-centered approach by utilizing a “hybrid model” to synthesize technical possibilities with human needs. In this episode, we explore Bedrock's vision for how to achieve this synthesis as part of the firm's DNA, and how Bedrock adopted their vision to make data more approachable with the client being central to their design efforts. Jesús also discusses a time when he championed making “data by design” a successful strategy with a large chain of hotels, and he offers insight on how making clients feel validated and heard plays a part.   In our chat, we also covered:  “Data by design” and how Bedrock implements this design-driven approach. (00:43) Bedrock's vision for how they support their clients and why design has always been part of their DNA. (08:53) Jesús shares a time when he successfully implemented a design process for a large chain of hotels, and some of the challenges that came with that approach. (14:47) The importance of making clients feel heard by dedicating time to research and UX and how the team navigates conversations about risk with customers. (24:12) More on the client experience and how Bedrock covers a large spectrum of areas to ensure that they deliver a product that makes sense for the customer. (33:01) Jesús' opinion on why companies should consider change management when building products and systems - and a look at the Data Stand-Up podcast (35:42) Quotes from Today's Episode “Many people in corporations don't have the technical background to understand the possibilities when it comes to analyzing or using data. So, bringing a design-based framework, such as design thinking, is really important for all of the work that we do for our clients.” - Jesús Templado (2:33)   “We've mentioned “data by design” before as our mantra; we very much prefer building long-lasting relationships based on [understanding] our clients' business and their strategic goals. We then design and ideate an implementation roadmap with them and then based on that, we tackle different periods for building different models. But we build the models because we understand what's going to bring us an outcome for the business—not because the business brings us in to deliver only a model for the sake of predicting what the weather is going to be in two weeks.”- Jesús Templado (14:07)   “I think as consultants and people in service, it's always nice to make friends. And, I like when I can call a client a friend, but I feel like I'm really here to help them deliver a better future state [...] And the road may be bumpy, especially if design is a new thing. And it is often new; in the context of data science and analytics projects.”- Brian T. O'Neill (@rhythmspice) (26:49)   “When we do data science [...] that's a means to an end. We do believe it's important that the client understands the reasoning behind everything that we do and build, but at the end of the day, it's about understanding that business problem, understanding the challenge that the company is facing, knowing what the expected outcome is, and knowing how you will deliver or predict that outcome to be used for something meaningful and relevant for the business.”- Jesús Templado (33:06)   “The appetite for innovation is high, but a lot of the companies that want to do it are more concerned about risk. Risk and innovation are at opposite ends of the spectrum. And so, if you want to be innovative, by definition—you're signing up for failure on the way to success. [...] It's about embracing an iterative process, it's about getting feedback along the way, it's about knowing that we don't know everything, and we're signing up for that ambiguity along the way to something better.”- Brian T. O'Neill (@rhythmspice) (38:20)   Links Referenced Bedrock: https://bedrockdbd.com Data Stand-Up podcast: https://bedrockdbd.com/podcast/ LinkedIn: https://www.linkedin.com/in/Jesústg/

The Naked Scientists Podcast
Risky research: making diseases more deadly

The Naked Scientists Podcast

Play Episode Listen Later Oct 19, 2021 56:57


As some continue to speculate that COVID came from a lab, we're looking at the scientific research being done on dangerous diseases, whether this work is safe and how it's regulated. Plus in the news: are Covid vaccines messing with menstruation; how subsea cables are affecting crabs; and scientists add plant cells to brains to supply them with oxygen. Like this podcast? Please help us by supporting the Naked Scientists

RNZ: Checkpoint
Whangārei doctor warns of low-vaccine risk as hospitals face surge

RNZ: Checkpoint

Play Episode Listen Later Oct 19, 2021 4:04


As Te Tai Tokerau prepares to move down alert levels, a Whangārei doctor is pleading with people to get vaccinated - saying the effects of not doing so, will be absolutely devastating. There are still around 45,000 people in Northland who have yet to have a single vaccine. Nationwide that figure is around 600,000. And with doctors already worried about the pressures they face, many are bracing for the devastation delta will cause our health systems if those vaccination rates don't rise. Anei te kai ripoata a Nita Blake-Persen.

Voices In Validation
Risk Revolution: What‘s hot in QRM?

Voices In Validation

Play Episode Listen Later Oct 19, 2021 41:59


This week, Stacey is joined by Nuala Calnan and Valerie Mulholland for an Ask Me Anything session on Quality Risk Management. Valerie answers questions about ICH Q9, ISO Divergence, ICH Q12, Analytical Lifecycle Management, Quality Management Maturity, and much more. Welcome to Risk Revolution, a monthly series of the Voices in Validation podcast, brought to you by the IVT Network. The goal of this series is to advance the maturity of risk management practices within the industry, by covering topics that challenge quality professionals to seek opportunities to improve and advance the ways in which they perceive and manage risk. Resources from this episode: QRM: a Case for Convergence Risk-Based Decision Making: PODCAST RECORDING Risk Management, Knowledge Management, and the Risk Understanding the Concept of Formality In Quality Risk Quality Management Maturity – A Pilot Program of the FDA ICH Q9 R1 concept document ICH Q14 Concept Paper 2021 Updated PIC/s Aide-Memoire on Assessment of QRM Implementation Sept 24, 2021, Pre-post version of USP 1220 Chapter on Analytical Procedure Life Cycle   About Our Guest: Valerie Mulholland Valerie Mulholland is the CEO of GMP Services Ltd and is a GMP/Quality Consultant in Europe. She is a practitioner in the area of Quality Risk Management and is researching the topic of Risk-Based Decision Making for a Ph.D. dissertation with the Pharmaceutical Regulatory Science Team in TU Dublin. Voices in Validation brings you the best in validation and compliance topics. Voices in Validation is brought to you by IVT Network, your expert source for life science regulatory knowledge. For more information on IVT Network, check out their website at http://ivtnetwork.com. 

Talking Real Money
Fortune's Fine Facts

Talking Real Money

Play Episode Listen Later Oct 18, 2021 36:41


Rarely do financial magazines provide great investing advice. That's why we're so excited by the latest issue of Fortune.Desperate for high income a caller considers complex convoluted "enhanced" ETFs.Another listener needs advice for invest $10K.As we dug deeper into Fortune, we found the typicallly advice: Thirteen stocks for young investors.Finally, is his advisor providing 100% fiduciary financial advice?

RISK!
Conflicted

RISK!

Play Episode Listen Later Oct 18, 2021 55:50


Rosemary Cipriano, David Crabb and Steve Andriolo share stories about student government mudslinging, a schoolyard fist fight, and Nine Inch Males.                             Support RISK! on Patreon at Patreon.com/RISK Make a one-time donation to RISK! at PayPal.me/RISKshow Get tickets to RISK! live shows at RISK-show.com/tour Get the RISK! book at TheRISKBook.com Take storytelling classes at TheStoryStudio.org Hire Kevin Allison to make a personalized video at Cameo.com/TheKevinAllison Hire Kevin Allison as a coach at KevinAllison.com See omnystudio.com/listener for privacy information.

SBS Macedonian - СБС Македонски
COVID a greater risk to fertility than COVID vaccines, says the science - Ковид е поголем ризик за плодност отколку вакцините против KОВИД, вели науката

SBS Macedonian - СБС Македонски

Play Episode Listen Later Oct 18, 2021 6:42


When the COVID-19 pandemic started doctors were particularly concerned for pregnant women and how the disease would impact them and their unborn babies.Now, well over a year since the first cases worldwide, COVID-19 vaccination has helped this vulnerable group stay out of hospital.With vaccination rates rapidly rising across the country, healthcare professionals are calling on expectant mothers to do what they can to minimise risks. - Здравствените власти работат да ги отфрлат дезинформациите дека вакцините против КОВИД може да влијаат на плодноста, бидејќи степенот наколебливост за вакцините кај младите жени е над националниот просек.Министерот за Здравство на Нов Јужен Велс минатата недела предупреди дека трајните ефекти на KОВИД многу поверојатно можат да резултираат со проблеми со плодноста.

Lifetime Cash Flow Through Real Estate Investing
Ep #620 - Multifamily - The best risk adjusted return you can go after

Lifetime Cash Flow Through Real Estate Investing

Play Episode Listen Later Oct 18, 2021 34:55


Ivan Barratt is a 20 year veteran of the real estate industry and currently serves as founder and CEO of The BAM Companies. Ivan is a multifamily owner, fund manager, and syndicator who specializes in large apartment communities in the Midwest. Since 2015, he has raised nearly $100 million in equity, acquired well over 4,000 units, and grown The BAM Companies to a best-in-class, three-time Inc5000, private equity, and management firm.  Here's some of the topics we covered: Adding value to class A properties Best of times, Worst of times Alternatives to Agency Debt Impact of inflation Demand for suburban garden apartments What to look for in a tertiary market History repeats Deflation vs Inflation The dis-inflation of technology The power of coaching and masterminding The value of an executive assistant  “What got you here, won't get you there” To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com  For more information on our guest, please visit: http://thebamcompanies.com

No Stupid Questions
How Much Risk Information Is Too Much Information With Drug Advertisements?

No Stupid Questions

Play Episode Listen Later Oct 18, 2021 32:20


Join us today as we catch up with Dr. Ignatius Fosu, the chair of the Department of Communication and Media at Samford University in Birmingham, Ala. Iggy has had many cool jobs in his life including but not limited to being a DJ and radio host for a radio station in Accra, Ghana. When he came to the United States to start a masters degree program in Marketing, he discovered the world of advertising, and after a chance meeting with the College of Communication and Information Sciences Dean, Dr. Mark Nelson, he wound up in the C&IS Ph.D. program, and as they say, from there, it's history. Iggy's research focuses on two main threads related to advertising: the risk information that gets communicated to consumers about drug products and the advertising of food to children--both incredibly important and practical topics. After spending many years as a professor at the University of Arkansas-Fayetteville, Iggy was encouraged to apply for the position he currently has as an administrator at Samford University. To learn more about Iggy and the work he has done, check out this link: https://www.samford.edu/arts-and-sciences/directory/Fosu-Ignatius To follow Iggy on social media: find him on Facebook @Ignatius Fosu To follow us on Twitter: @ICIRAlabama

Risktory: The Story of Risk
Masters of the Risk Universe... Peter Allen

Risktory: The Story of Risk

Play Episode Listen Later Oct 18, 2021 15:04


Coming up this week, an episode I've long wanted to cover, and now – this week – it's time. Master of the Risk Universe. Peter Allen.Peter Allen occupies a curious place in Australian lore. At least, in my Australian world, there is no debate as to whether you love, or hate, Peter Allen. He has, over time, transcended the judgements we usually ascribe to celebrities. Peter Allen is a national deity and his song, I Still Call Australia Home, our unofficial national anthem. As an expat, I can tell you that – play that song amongst a group of Australians who are far from home – and the tears that accompany its playing, they will be real.On this week's episode of The Risktory Podcast, the life and times of master of the unknown, and great Australian, Peter Allen.The Risktory Podcast is created, written, hosted and produced by Jacinthe A Galpin.All rights reserved.Bibliographyhttps://en.wikipedia.org/wiki/Peter_Allen_(musician)http://www.stagenoise.com/feature/2012/peter-allen-10-february-1944-18-june-1992https://adb.anu.edu.au/biography/allen-peter-17370

POEM of the Week Podcast
Episode 583: Left atrial appendage occlusion during cardiac surgery for another reason reduces the risk of stroke (NNT = 43 over 4 years)

POEM of the Week Podcast

Play Episode Listen Later Oct 18, 2021 5:55


Dr. Ebell and Dr. Wilkes discuss the POEM titled ' Left atrial appendage occlusion during cardiac surgery for another reason reduces the risk of stroke (NNT = 43 over 4 years) '

5 Minutes Podcast with Ricardo Vargas
Why We Must Pay Attention to the Great Resignation In Our Projects

5 Minutes Podcast with Ricardo Vargas

Play Episode Listen Later Oct 17, 2021 8:24


In this week's episode, Ricardo talks about "The Great Resignation", a term created by Anthony Klotz, a professor at the University of Texas, A&M University. He explains that in the first few months of this year, 4.3 million people resigned in the United States. This phenomenon is not unique to the US. It is happening worldwide. Ricardo comments on the influence of the pandemic on this behavior and on four factors that lead people to resign. Finally, he addresses the challenges for both the professional leaving work and the company and managers who need to create value to attract the professionals they need to deliver projects. Listen to the podcast to learn more.

Cedar Rapids First w/ Brian Pingel

At Cedar Rapids First, we work hard to create a church experience where everyone feels welcome. Our heart is to be a community that lives by faith, is known by love, and is a voice of hope.

Mums With Hustle Podcast
MWH 301: How to Risk Forward with Victoria Labalme

Mums With Hustle Podcast

Play Episode Listen Later Oct 17, 2021 40:10


MWH 301: How to Risk Forward with Victoria Labalme On this week's in the podcast, we're going to talk about how to Risk Forward. And my guest for this episode is someone I admire greatly. She's also a recent speaker in our very recent Inner Circle Mastermind retreat and the ladies had an absolute blast connecting with her! An interaction with her - dare I say it - is life-changing! And I'm so thrilled for you to get to know her as well. LISTEN NOW I'm sitting down with Victoria Labalme! Victoria is the author of the Wall Street Journal bestseller Risk Forward. She helps people unlock their hidden genius and perform at their highest levels in work, onstage, on camera, and in life. Her unconventional approach offers a surprising blend of art and business. As a member of the Speaker Hall of Fame, Victoria is known for her Keynote Performances and workshops around the world. Her proprietary systems and strategies have been embraced by hundreds of thousands of people. Listen to this episode to learn how to uncover your hidden genius. Afterwards, make sure to head over to riskforward.com/Mums to check out the free gift that Victoria has so kindly made available for all of you here, at Mums With Hustle podcast. Also, I would love to hear your biggest takeaway from this episode. If you're on Instagram, come and shoot me a DM @mumswithhustle and let's chat! I'd love to continue the conversation with you over there. I'm going to leave you with this question / journal prompt: “Where in your life, or on your business or on your career, are you feeling called, right now, to Risk Forward?” Until next week, stay happy in your hustle. CONNECT WITH VICTORIA Website: www.VictoriaLabalme.comRock the Room Quick Start for Mums: www.riskforward.com/MumsLearn more about Risk Forward: www.riskforward.comInstagram: @victorialabalmeFacebook: www.facebook.com/VictoriaLabalmeTwitter: @VictoriaLabalmeLinkedIn: www.linkedin.com/in/victorialabalme CONNECT WITH ME Web: www.tracyharris.coFacebook: @mumswithhustleInstagram: @mumswithhustleTwitter: @MumsWithHustleMums With Hustle® Podcast Community By Tracy Harris: @mumswithhustle LOVE THE MUMS WITH HUSTLE PODCAST? Okay, mama! I'm going to give it to you straight, 'cause you know that's what I'm about. Podcast reviews are super important to iTunes and the more reviews we receive the more likely iTunes will reward us with better reach. I want to reach more hustling mamas that can add extreme value to our kick-ass tribe. Help a sister, out? I already love you forever, but I'd be extremely grateful if you would review me on iTunes! If you've loved this podcast, never miss another one! All you have to do is SUBSCRIBE to the Mums With Hustle Podcast on iTunes.

Radio Health Journal
Medical Notes: Week of October 17, 2021

Radio Health Journal

Play Episode Listen Later Oct 17, 2021 1:56


The CDC has now issued an urgent advisory for pregnant or recently pregnant women to get vaccinated. Research shows not only do the vaccines have no effect on fertility, they also pass immunity to babies who were in the womb when mom was vaccinated. A new study shows the rules restricting how many passengers teenage drivers can carry have been very effective at reducing risky driving, crashes and deaths. A new study says it's not just about how many steps you take per day, it matters how fast you walk. And finally, if the pandemic's got you down and kept you from exercising, you're not alone.

The Kingstowne Communion
Risky Business (Wk 6)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 19:17


Sunday, September 26, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Pastor Michelle preaches on Mark 10:2-16 in series on the riskiness of Gospel according to Mark's Gospel.

The Kingstowne Communion
Risky Business (Wk 5)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 26:49


Sunday, September 26, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Pastor Michelle preaches on Mark 9:38-50 in series on the riskiness of Gospel according to Mark's Gospel.

The Kingstowne Communion
Risky Business (Wk 3)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 23:47


Sunday, September 12, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Pastor Michelle preaches on Mark 8:27-38 in series on the riskiness of Gospel according to Mark's Gospel.

The Kingstowne Communion
Risky Business (Wk 4)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 18:24


Sunday, September 19, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Pastor Michelle preaches on Mark 9:30-37 in series on the riskiness of Gospel according to Mark's Gospel.

The Kingstowne Communion
Risky Business (Wk 2)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 25:00


Sunday, September 5, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Pastor Michelle preaches on Mark 7:24-38 in series on the riskiness of Gospel according to Mark's Gospel.

The Kingstowne Communion
Risky Business (Wk 1)

The Kingstowne Communion

Play Episode Listen Later Oct 16, 2021 14:55


Sunday, August 29, 2021 | Sermon Series: Risky Business | The Gospel According to Mark | Michelle preaches on Mark 7:1-8, 14-15, 21-23 in series on the riskiness of Gospel according to Mark's Gospel.

Today in San Diego
Elevated Fire-Weather Risk, FDA Approves J&J Booster, US-Mexico Border Reopens

Today in San Diego

Play Episode Listen Later Oct 16, 2021 3:45


Today, NBC 7's Alexis Rivas touches base with Brooke Martell about our weekend weather and elevated fire-weather risk that still continues. U.S. health advisers endorsed a booster of Johnson & Johnson's COVID-19 vaccine for any recipient 18 or older at least two months after their first vaccination. And, the U.S. is preparing to reopen the U.S-Mexico border to international travelers on Nov. 8.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The ARMR Report
Stock Market Investing (2021)|Risk Monitor GREEN| Stocks in Focus

The ARMR Report

Play Episode Listen Later Oct 16, 2021 82:00


We are an army of analysts supported by a tank division of Algos Together we can conquer the Alpha world Join the ARMR community and become an ARMR Insider today. Visit us at https://armrreport.com/  Stock Market Action: Risk Monitor has turned Green again and we have 5 days to structure ARMR Portfolios for the next leg higher. Let's discuss how we will convert our Top Shelf Whiteboard ideas into a balanced portfolio: Groups in focus: Commodities, Technology, Financials, Special Situations & Indexes Stocks to Watch: AMD NVDA AMZN MSFT IBM JPM GS GDX PHYS PSLV SILJ MP FCX COPX LPX BCC PSTG AMC FNKO MGA BWA ENPH SEDG MDB ZI TTD CAT DE TSCO Q&A: As always we will dedicate time to sharing ideas so bring your best You can also follow us on FB https://www.facebook.com/TheARMRreport IG https://www.instagram.com/armrreport/ DISCLAIMER: All of ARMRreport, our trades, strategies, and news coverage are based on our opinions alone and are only for educational purposes. You should not take any of this information as guidance for buying or selling any type of investment or security. I am only sharing my biased opinion based off of speculation and personal experience. An individual trader's/investor's results may not be typical and may vary from person to person. It is important to keep in mind that there are risks associated with investing in the stock market and that one can lose all of their investment. Thus, trades/investments should not be based on the opinions of others but by your own research and due diligence.

From Alpha To Omega
Episode 169: #169 Procurement & Capitalist Price Dynamics - TEASER

From Alpha To Omega

Play Episode Listen Later Oct 16, 2021 4:38


We talk with the Swedish Procurement Guru Emanuel all about capitalist procurement theory, the flaws of standard economic demand and supply theory, and what allocation, or the lack of, in capitalism can teach us about planning a communist society.https://en.wikipedia.org/wiki/Kraljic_matrix

This Week in Intelligent Investing
David Spiegelhalter on Risk and the Use (and Misuse) of Statistics | Suprising Market Internals

This Week in Intelligent Investing

Play Episode Listen Later Oct 16, 2021 50:33


In this episode, co-hosts Phil Ordway, Elliot Turner, and John Mihaljevic discuss (i) an interview with Sir David Spiegelhalter on risk and the use (and misuse) of statistics, published in the Financial Times on April 16, 2021; and (ii) a table from Morgan Stanley, showing that more than 90% of stocks have declined more than 10% from their YTD highs (>30% for Nasdaq and Russell 2000 stocks) even as the market indices remain only a few percentage points off their highs. Enjoy the conversation!   About the Co-Hosts: Elliot Turner is a co-founder and Managing Partner, CIO at RGA Investment Advisors, LLC. RGA Investment Advisors runs a long-term, low turnover, growth at a reasonable price investment strategy seeking out global opportunities. Elliot focuses on discovering and analyzing long-term, high quality investment opportunities and strategic portfolio management. Prior to joining RGA, Elliot managed portfolios at at AustinWeston Asset Management LLC, Chimera Securities and T3 Capital. Elliot holds the Chartered Financial Analyst (CFA) designation as well as a Juris Doctor from Brooklyn Law School.. He also holds a Bachelor of Arts degree from Emory University where he double majored in Political Science and Philosophy. Philip Ordway is Managing Principal and Portfolio Manager of Anabatic Fund, L.P. Previously, Philip was a partner at Chicago Fundamental Investment Partners (CFIP). At CFIP, which he joined in 2007, Philip was responsible for investments across the capital structure in various industries. Prior to joining CFIP, Philip was an analyst in structured corporate finance with Citigroup Global Markets, Inc. from 2002 to 2005. Philip earned his B.S. in Education & Social Policy and Economics from Northwestern University in 2002 and his M.B.A. from the Kellogg School of Management at Northwestern University in 2007, where he now serves as an Adjunct Professor in the Finance Department. John Mihaljevic leads MOI Global and serves as managing editor of The Manual of Ideas. He managed a private partnership, Mihaljevic Partners LP, from 2005-2016. John is a winner of the Value Investors Club's prize for best investment idea. He is a trained capital allocator, having studied under Yale University Chief Investment Officer David Swensen and served as Research Assistant to Nobel Laureate James Tobin. John holds a BA in Economics, summa cum laude, from Yale and is a CFA charterholder.   The content of this podcast is not an offer to sell or the solicitation of an offer to buy any security in any jurisdiction. The content is distributed for informational purposes only and should not be construed as investment advice or a recommendation to sell or buy any security or other investment, or undertake any investment strategy. There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information set forth on this podcast. The podcast participants and their affiliates may have positions in and may, from time to time, make purchases or sales of the securities or other investments discussed or evaluated on this podcast.

Something You Should Know
SYSK Choice: How to Figure Out Anything & The Art of Statistics

Something You Should Know

Play Episode Listen Later Oct 16, 2021 48:50


It is called the “psychology of requests.” That is, if you want someone to do something for you, it is all about how you phrase it. This episode begins with a discussion on the best ways to ask people, so they respond the way you want and do things you want them to. http://nymag.com/scienceofus/2016/09/persuasive-techniques-that-actually-work.html Every day you are presented with problems. According to my guest Marie Forleo, all those problems can be solved with the right attitude and the right approach. Marie Forleo is a wildly popular entrepreneur, writer, philanthropist, optimist and author of the book, Everything is Figureoutable (https://amzn.to/32NIeVw). Listen as she offers a fresh way to look at and solve the problems of life. Marie's website is www.MarieForleo.com  Of course, you know that it's not polite to stare. Still, people stare. So, if you do, how long can you stare before you creep people out? Listen as I reveal the exact number of seconds – down to a tenth of a second so you will now know proper staring etiquette. http://rsos.royalsocietypublishing.org/content/3/7/160086 Statistics are funny. It seems you can make them say whatever you want – in fact you can just make them up out of thin air and likely never get caught. Unless of course you are talking with my guest, David Spiegelhalter. He is a British statistician and Winton Professor of the Public Understanding of Risk in the Statistical Laboratory at the University of Cambridge. He is also author of the book The Art of Statistics (https://amzn.to/30amC8T). David joins me to reveal how best to use statistics to bolster your own argument and how to question other people when they use statistics to make sure they are real and relevant. PLEASE SUPPORT OUR SPONSORS! We really like The Jordan Harbinger Show! Check out https://jordanharbinger.com/start OR search for it on Apple Podcasts, Spotify or wherever you listen to podcasts.  You can grow thicker, healthier hair AND get $15 off at https://nutrafol.com Promo code: SOMETHING Download the GetUpside App and use promo code SOMETHING to get up to 50¢/gallon cash back on your first tank! Discover matches all the cash back you earn on your credit card at the end of your first year automatically and is accepted at 99% of places in the U.S. that take credit cards! Learn more at https://discover.com/yes Listen to Build For Tomorrow with Jason Feifer, our favorite new podcast, right here! https://apple.co/3rPM8La or visit https://www.jasonfeifer.com/build-for-tomorrow/ JUSTWORKS makes it easier for you to start, run and grow a business. Learn more: https://justworks.com Omaha Steaks is the best! Get awesome pricing at https://OmahaSteaks.com/BMT T-Mobile for Business the leader in 5G, #1 in customer satisfaction, and a partner who includes benefits like 5G in every plan. Visit https://T-Mobile.com/business Learn more about your ad choices. Visit megaphone.fm/adchoices

JournalFeed Podcast
EMS Troponin | Distal DVT Risk | POCUS COVID-19 | Antivirals Pedi Flu | D-dimer for VTE COVID-19

JournalFeed Podcast

Play Episode Listen Later Oct 16, 2021


It's the JournalFeed Podcast for the week of October 11-15, 2021. We cover EMS drawing the first troponin en route, the danger of distal DVT, POCUS for COVID-19, antivirals for sicker children in the hospital, and the utility of D-dimer in COVID-19 patients.

Talking Cars (MP3)
#329 2022 Subaru BRZ First Impressions; GM's New Ultra Cruise

Talking Cars (MP3)

Play Episode Listen Later Oct 15, 2021 28:56


This week, we share our first impressions of the 2022 Subaru BRZ. We discuss the BRZ's performance and handling capabilities, and how it's fun-to-drive character rivals sports cars like the Chevrolet Corvette. We also talk about General Motors' new driver assistance system, Ultra Cruise, which will debut on some 2023 Cadillacs. And, we answer audience questions about CR's fuel economy score for hybrid vehicles; whether panoramic sunroofs are safe in a rollover crash; and what buying strategies to use when new car inventory is low.       ----------------------------------- Have a question for our experts? Leave a comment on this episode, or reach out to us directly!   From your iOS device, iMessage us at TalkingCars@icloud.com to send a photo, video, or text directly to the Talking Cars team!   We love to feature our viewers on the show, so submit video questions at https://www.consumerreports.org/cars-talking-cars/   Subscribe to Talking Cars on Spotify: https://open.spotify.com/show/4Jr8wJRJyN9v8T6LC1fQQ6         SHOW NOTES ----------------------------------- 00:00 - Introduction 00:30 - Preview: GM Ultra Cruise 09:30 - 2022 Subaru BRZ First Impressions 17:1 7 - Question #1: What buying strategies should you use when new car inventory is low? 21:56 - Question #2: Why is CR's fuel economy score for hybrid vehicles different from the EPA's Score? 25:03 - Question #3: Are panoramic sunroofs safe in a rollover crash?       ----------------------------------   General Motors Introduces ‘Ultra Cruise,' an Expanded Hands-Free Driver Assistance System https://www.consumerreports.org/driver-assistance-systems/gm-ultra-cruise-hands-free-driver-assistance-system-a4904409015/   Self-Driving System Rankings https://www.youtube.com/watch?v=X06tXpg7yiA   Preview: 2022 Subaru BRZ Still Emphasizes Balance Over Brawn https://www.consumerreports.org/sports-cars/2022-subaru-brz-review-a6225692747/   New & Used Car Buying Guide https://www.consumerreports.org/buying-a-car/car-buying-guide/   Guide to Car Safety https://www.consumerreports.org/cars-guide-to-car-safety/ How to Safely Work on Your Car at Home https://www.consumerreports.org/car-repair-maintenance/how-to-safely-work-on-your-car-at-home/   Coronavirus Resource Hub https://www.consumerreports.org/coronavirus/coronavirus-covid-19-updates/   Exploding Sunroofs Cases Head to Court https://www.consumerreports.org/car-safety/exploding-sunroof-cases-head-to-court/   Which Automakers Use Laminated Glass to Reduce the Risk of Exploding Sunroofs https://www.consumerreports.org/car-safety/laminated-glass-reduce-risk-exploding-sunroofs/       ----------------------------------- Check out http://www.ConsumerReports.org for the latest reviews, tips, and recommendations and subscribe to our YouTube Channel: http://bit.ly/1Nlb1Ez    Follow Us on Social: Facebook: http://on.fb.me/1IQ2w5q Twitter: http://bit.ly/1Yf5Fh2 Pinterest: http://bit.ly/1P37mM9 Instagram: http://bit.ly/1I49Bzo Google+: http://bit.ly/1Md3gfQ

Talking Cars (HQ)
#329 2022 Subaru BRZ First Impressions; GM's New Ultra Cruise

Talking Cars (HQ)

Play Episode Listen Later Oct 15, 2021 28:58


This week, we share our first impressions of the 2022 Subaru BRZ. We discuss the BRZ's performance and handling capabilities, and how it's fun-to-drive character rivals sports cars like the Chevrolet Corvette. We also talk about General Motors' new driver assistance system, Ultra Cruise, which will debut on some 2023 Cadillacs. And, we answer audience questions about CR's fuel economy score for hybrid vehicles; whether panoramic sunroofs are safe in a rollover crash; and what buying strategies to use when new car inventory is low.       ----------------------------------- Have a question for our experts? Leave a comment on this episode, or reach out to us directly!   From your iOS device, iMessage us at TalkingCars@icloud.com to send a photo, video, or text directly to the Talking Cars team!   We love to feature our viewers on the show, so submit video questions at https://www.consumerreports.org/cars-talking-cars/   Subscribe to Talking Cars on Spotify: https://open.spotify.com/show/4Jr8wJRJyN9v8T6LC1fQQ6         SHOW NOTES ----------------------------------- 00:00 - Introduction 00:30 - Preview: GM Ultra Cruise 09:30 - 2022 Subaru BRZ First Impressions 17:1 7 - Question #1: What buying strategies should you use when new car inventory is low? 21:56 - Question #2: Why is CR's fuel economy score for hybrid vehicles different from the EPA's Score? 25:03 - Question #3: Are panoramic sunroofs safe in a rollover crash?       ----------------------------------   General Motors Introduces ‘Ultra Cruise,' an Expanded Hands-Free Driver Assistance System https://www.consumerreports.org/driver-assistance-systems/gm-ultra-cruise-hands-free-driver-assistance-system-a4904409015/   Self-Driving System Rankings https://www.youtube.com/watch?v=X06tXpg7yiA   Preview: 2022 Subaru BRZ Still Emphasizes Balance Over Brawn https://www.consumerreports.org/sports-cars/2022-subaru-brz-review-a6225692747/   New & Used Car Buying Guide https://www.consumerreports.org/buying-a-car/car-buying-guide/   Guide to Car Safety https://www.consumerreports.org/cars-guide-to-car-safety/ How to Safely Work on Your Car at Home https://www.consumerreports.org/car-repair-maintenance/how-to-safely-work-on-your-car-at-home/   Coronavirus Resource Hub https://www.consumerreports.org/coronavirus/coronavirus-covid-19-updates/   Exploding Sunroofs Cases Head to Court https://www.consumerreports.org/car-safety/exploding-sunroof-cases-head-to-court/   Which Automakers Use Laminated Glass to Reduce the Risk of Exploding Sunroofs https://www.consumerreports.org/car-safety/laminated-glass-reduce-risk-exploding-sunroofs/       ----------------------------------- Check out http://www.ConsumerReports.org for the latest reviews, tips, and recommendations and subscribe to our YouTube Channel: http://bit.ly/1Nlb1Ez    Follow Us on Social: Facebook: http://on.fb.me/1IQ2w5q Twitter: http://bit.ly/1Yf5Fh2 Pinterest: http://bit.ly/1P37mM9 Instagram: http://bit.ly/1I49Bzo Google+: http://bit.ly/1Md3gfQ

True Story with Mike Slater
GOVERNMENT OVERREACH: YOUR FREEDOM AT RISK

True Story with Mike Slater

Play Episode Listen Later Oct 15, 2021 46:07


Are we really free? How in God's name are we at a point in America where half of us are asking this question...and worrying about how much worse it's going to get? It's rhetorical, of course; because looking back it's easy to see how the Leftists/globalists/elites (one and the same) tactically began to dismantle the foundation of our country's founding. And the contagion of crackdowns, lockdowns, and mandates is worldwide. In this special, Slater talks to modern day Freedom Fighters, seeking to preserve what precious liberties we still have -- and maybe even turn the tide. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Steve Forbes: What's Ahead
Spotlight: Free Speech Rights At Risk: Why The DOJ Is Targeting School Board Meetings

Steve Forbes: What's Ahead

Play Episode Listen Later Oct 15, 2021 3:00


The Biden Administration has launched a major attack on our free speech liberties. Are your rights to free speech at risk? Steve Forbes on who the DOJ is targeting and on why federal law enforcement is coming for parents who challenge the policies and practices of local school boards.Steve Forbes shares his What's Ahead Spotlights each Tuesday, Thursday and Friday.

Magic Mics Podcast
YATA! - New World Champion, Historic Bannings, New Babies, $1.5M Silliness & Much More!

Magic Mics Podcast

Play Episode Listen Later Oct 15, 2021 52:01


Support the show! http://patreon.com/magicmics Visit our sponsor: http://www.coolstuffinc.com/ Check out the twitch channel: http://twitch.tv/magicmics Visit our subreddit: http://www.reddit.com/r/magicmics Follow us on Twitter: http://twitter.com/magicmicscast Like us on Facebook: http://facebook.com/magicmics Co-Sponsors: http://www.cardhoarder.com/ http://www.alteredsleeves.com/ (use code MAGICMICS ) http://www.cubeks.com/ AirDate - 10/14/2021 First Pick   Banned and Restricted and Errata'd Announcement: https://magic.wizards.com/en/articles/archive/news/october-13-2021-banned-and-restricted-announcement https://cdn.discordapp.com/attachments/410942703623208960/897892880440500234/unknown.png https://twitter.com/fireshoes/status/1448650021340004354 Gather the Townsfolk World Championship Roundup Yata!: https://clips.twitch.tv/GiantZanySwallowPJSugar-29OBPGro-XmENZ0m Top 4: https://twitter.com/MagicEsports/status/1446980092857499651?s=20 Ondřej Stráský Eliminated: https://twitter.com/OndrejStrasky/status/1447286788255535111 World Champion: https://twitter.com/magicesports/status/1447340937768669185?s=21 https://twitter.com/katuobusi717/status/1447693990770266118 Playing to Your Outs: https://clips.twitch.tv/ResourcefulVenomousElkHotPokket-quA9cDTI5slvCfjo Kai Congratulates Yuta: https://twitter.com/Vendilion/status/1447356831416811523 https://cdn.discordapp.com/attachments/410942703623208960/897161556352196718/Screenshot_2021-10-11_at_17.38.37.png   Crimson Vow Debut Day: https://media.discordapp.net/attachments/368893442362834945/897341347516801054/xhjl2vcxaws71.png   Ellie Joins WotC: https://twitter.com/ellieoftheveil/status/1447718355176153089?s=20 https://media.discordapp.net/attachments/368893442362834945/897281250593763328/unknown.png   LSV and Gaby Welcome Santi: https://twitter.com/lsv/status/1447742773549887488   HASBRO CEO Brian Goldner passes away https://twitter.com/Hasbro/status/1448035837975932938?s=20    Desperate Ravings   Will the Wise Snafu: https://twitter.com/atebbel/status/1448784926300467217 RC Committee on Stranger Things https://mtgcommander.net/index.php/2021/10/14/rc-statement-on-secret-lair-stranger-things/    Crimson Vow Product Delays: https://magic.wizards.com/en/articles/archive/news/innistrad-crimson-vow-product-delays-affecting-north-america-2021-10-11   Heritage Auctions' High-End Sealed Booster Boxes: https://icv2.com/articles/news/view/49497/high-end-sealed-booster-boxes-will-hit-block-heritage-auctions https://www.youtube.com/watch?v=rvLFEh7V18A   String of LGS Robberies Across Midwest: https://twitter.com/missourimtg/status/1447630177660461057?s=21 https://twitter.com/lessalex/status/1447621503638441984?s=21 https://twitter.com/MissouriMTG/status/1447642959533547526?s=20 https://twitter.com/MissouriMTG/status/1448327599755780101?s=20 https://twitter.com/MissouriMTG/status/1448658856502915072?s=20   The Risk of Buying Magic on Amazon: https://www.youtube.com/watch?v=PFl8i6tcIw4   Zan Syed Steps in It: https://twitter.com/zan_syed/status/1448441451872804869?s=21   A Look at What Fetchlands Could Have Been: https://twitter.com/mtghistory/status/1448350326822735873?s=21 Flesh & Blood, and Alpha Investments: https://youtu.be/tfiUaNCRbyM   Jason Kaus Mixes Magic and Last Week Tonight: https://twitter.com/Kaus_Jason/status/1447991169397391360?s=20   United Paizo Workers: https://twitter.com/PaizoWorkers/status/1448698340745486364?t=Dhdc8d_qQeSVBoz39Vk1wg&s=19   GIVEAWAY & THANKS https://streamlabs.com/dashboard#/subscribers

Tactical Tangents
99: Safety Third: Making Training Awesome, but also Safe

Tactical Tangents

Play Episode Listen Later Oct 15, 2021 66:34


The best instructors know that fun and effective training takes careful planning and a lot of effort to get the details right. If you want to get buy in from your bosses to take all your innovative ideas and put them into practice, you need to make those events as safe as possible. That doesn't mean eliminating every hazard, but it does mean being thoughtful and deliberate about which risks you are willing to accept. Mike talks us through the risk management process and some ideas to help you identify and address those hazards so that you can take your training to the next level. Like what we're doing? Head over to Patreon and give us a buck for each new episode. You can also make a one-time contribution at GoFundMe.  Intro music credit Bensound.com

Triple M Rocks Footy AFL
The Bump SA | Roo Breaks Down the Trade Negotiations with Sydney for Dawson | Rockliff on the ‘Hole Left in Port's List' | Is Jason Horne-Francis the Real Deal?

Triple M Rocks Footy AFL

Play Episode Listen Later Oct 15, 2021 26:27


00.00 - Opener. 01.25 - Biggles & Rocky's Trade Stories. 02.20 - Roo on Trade Negotiations with Sydney for Dawson. 04.00 - Why didn't the Crows force Dawson to the Pre-Season Draft? 05.30 - Roo on Kelly Leaving & Who Replaces Him. 06.05 - Rocky Says Restricted Free Agent Is Bad for Clubs. 09.05 - Where Does Dawson Fit into the Crows? 09.40 - Why Did Port Get Rid of Ladhams? 10.05 - Rocky Reveals Why Ladhams Wanted Out. 11.25 - Roo says Port Now have a Hole in their Side. 14.10 - Who Back Up Rucks Lycett Now? 15.40 - Rocky says Port are Backing in List Development. 16.45 - Ditts Disappointed Port Didn't Bolster the Midfield. 18.20 - Has Port Reviewed the Prelim Final Preparation Rocky? 19.30 - Is there an Off Field Leadership Issue at Port? 20.25 - How much will Port miss Voss & Schofield? 21.10 - Cats take a Risk on Stengle, Good Move? 22.55 - Why Weren't Crows or Port interested in Luke Dunstan? 25.20 - Is Jason Horne-Francis the Real Deal? 24.35 - Will Crows new Camp involve Squid Game? 25.10 - Biggles Boundary Lisp! See omnystudio.com/listener for privacy information.

Intelligence Squared
Covid by Numbers with David Spiegelhalter

Intelligence Squared

Play Episode Listen Later Oct 15, 2021 42:41


With data on the Covid-19 pandemic changing shape with every new outbreak and new mutation, it's a complex task to make sense of where the story of the virus will head next. David Spiegelhalter is chair of the Winton Centre for Risk and Evidence Communication at Cambridge University and an expert on crunching figures in order to understand successes and failures. His new book Covid by Numbers, co-written with Anthony Masters, seeks to shine a spotlight on the UK's handling of the pandemic. In this episode he speaks with the virologist and host of The Naked Scientist podcast Dr Chris Smith. Support this show http://supporter.acast.com/intelligencesquared. See acast.com/privacy for privacy and opt-out information.

The MUFG Global Markets Podcast
Stagflation apprehensions across emerging markets: The MUFG Global Markets Podcast

The MUFG Global Markets Podcast

Play Episode Listen Later Oct 15, 2021 7:27


The growth-inflation nexus is deteriorating precipitously for emerging markets. Risk sentiment across EMs has been on a rollercoaster ride for months, faced with a myriad of challenges such as continued COVID-19 headwinds and variants, downside growth risks, rising inflation and inflation volatility, a less supportive global liquidity backdrop, the looming tapering of asset purchases by developed market central banks, regulatory tightening in China, a resurgent US dollar, a spike in energy prices and a leg up in core bond yields. Ehsan Khoman, Head of Emerging Markets Research (EMEA), believes that the fear of stagflation – portmanteau of slowing growth and rising inflation – will increasingly move front of mind for emerging market investors, with volatility likely staying elevated until year-end. Disclaimer: www.mufgresearch.com (PDF)

Unleash the Awesome
Plan Your Work. Work Your Plan.

Unleash the Awesome

Play Episode Listen Later Oct 14, 2021 13:36


You can subscribe and listen to every episode of the "Unleash the Awesome" podcast at https://gambrill.com/podcast .  0:50 Funnelhacking Live from Clickfunnels.https://www.funnelhackinglive.com .1:10 We had a plan of attack when we went to Disney's Hollywood Studios. I was surprised at how many people didn't. 3:53 "A good plan executed violently now is better than a perfect plan executed next week." - General George S. Patton.5:24 "Trust Me I'm Lying, Confessions of a Media Manipulator"- Ryan Holiday.https://amzn.to/3oZwTA7 .6:39 "It's really hard to make good decisions based on bad information." - Dave Gambrill8:17 "The Obstacle is the Way" - Ryan Holiday.https://amzn.to/3vbssTK .9:33 "Everyone has a plan until they get punched in the face." - Mike Tyson.11:15 "General Stanley McChrystal - Mastering Risk: A User's Guide" Episode #535 of Tim Ferriss Show. https://tim.blog/2021/09/30/general-stanley-mcchrystal/ .12:09 "My Simple Content Creation Framework - Who's the Who? So What?" - Episode 8 of the "Unleash the Awesome" podcast with Dave Gambrill.https://gambrill.simplecast.com/episodes/my-simple-content-creation-framework-whos-the-who-so-what .Want some help deciding what tech tools to use in your business? Check out Tech Tools Tuesday.https://gambrill.com/ttt . Come join the conversation in our communities... Digital Marketing Mentorship with Dave Gambrill Facebook Grouphttps://www.facebook.com/groups/dmmdavegambrill . Digital Marketing Mentorship with Dave Gambrill Telegram Channelhttps://gambrill.com/telegramdmm . And let me know what you thought of this episode and what you'd like me cover in future episodes over on Instagram.https://www.instagram.com/gambrill/ .  #unleashawesome #planyourwork #workyourplan #sidehustle #patton #entrepreneur #success #funnelhacker #fhl2021 #mindset #skillset  #davegambrill #techtools #digitalmarketing #jmtdna  #squidgame #ryanholiday #toolset  #disney #lifestyledesign #hollywoodstudios #digitalceo #trainer #mentorship #corporatetrainer #onlinecourses  #timferriss #mcchrystal #risk #netflix #miketyson #framework   CONSUMER NOTICE: You should assume that I have an affiliate relationship and/or another material connection to the providers of goods and services mentioned in this broadcast and may be compensated when you purchase from a provider. You should always perform due diligence before buying goods or services from anyone via the Internet or offline.

Healthy Wealthy & Smart
561: Schellie Percudani & Rebecca Rakoski: The Importance of Cybersecurity

Healthy Wealthy & Smart

Play Episode Listen Later Oct 14, 2021 37:13


In this episode, Managing Partner of XPAN Law Partners, Rebecca Rakoski, and Senior Account Manager at Contango IT, Schellie Percudani, talk about cybersecurity, especially for small businesses. Today, Rebecca and Schellie talk about business privacy and security practices, cost-effective steps that you can take to protect your business, and the importance of cybersecurity insurance. Why do small businesses have to worry about cybersecurity? Hear about ransomware attacks and how to react to them, data privacy laws and how they impact your business, and the value of hiring lawyers, all on today's episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “What we all have in common between the small businesses and the large businesses is we're all human.” “You're only as good as your last backup.” “You can't have privacy without security.” “You definitely don't want to be fudging any kind of information. You definitely want transparency.” There are four basic things that you can do as a business owner: enable multi-factor authentication, provide security awareness training, monitor and patch your systems, and enable software and hardware encryption. “Encryption is your Get Out Of Jail Free card in most jurisdictions.” “60% of small businesses will go out of business within 6 months of a data breach without liability insurance.” “The first thing that businesses need to do is take a proactive posture.” “If you look at data breaches, if it's not caused by an employee in the company, it's caused by an employee at one of their vendors.” “Make sure you put yourself in a legally defensible position.”   More About Schellie Percudani Schellie is a Senior Account Manager at Contango IT located in Midtown, Manhattan. With 75 people, Contango IT services their clients through 4 key areas of technology. IT Service/Support - We offer unlimited onsite and remote support for all covered users and devices with up to 60-90 second response time. In that same fixed monthly price, we also include asset management, budgeting breakdowns, disaster recovery planning, compliance requirement review and planning, technology road mapping, and a lot more. IT Infrastructure / Cabling - Moving offices? Contango IT handles the technology side of the move through Cabling and IT setup. Cybersecurity - 45 people strictly in Cybersecurity keeps Contango IT on top of the biggest buzz In technology. Risk? Compliance? Reach out, looking to help in any way possible. Even if it is just second opinion or advice. Custom Programming - Front-end or Back-end development, Android, iOS, Web-based and much more. Winners of the Microsoft Best Use of Technology Award and the NYU Stern New Venture Competition Any technology questions, reach out! With hundreds of clients over 4 services, Contango IT has seen it before.   More About Rebecca Rakoski Rebecca L. Rakoski is the managing partner at XPAN Law Partners. Rebecca counsels and defends public and private corporations, and their boards, during data breaches and responds to state/federal regulatory compliance and enforcement actions. As an experienced litigator, Rebecca has handled hundreds of matters in state and federal courts. Rebecca skilfully manages the intersection of state, federal, and international regulations that affect the transfer, storage, and collection of data to aggressively mitigate her client's litigation risks. Rebecca is on the Board of Governors for Temple University Health Systems, and an adjunct professor at Drexel University's Thomas R. Kline School of Law and Rowan University.   Suggested Keywords Healthy, Wealthy, Smart, Cybersecurity, Small Business, Privacy, Security, IT, Insurance, Legal, Hacking, Ransomware, Malware, Data, Technology, Data Breaches, Encryption   To learn more, follow Schellie and Rebecca at: Website:          https://www.contangoit.com                         https://xpanlawpartners.com Twitter:            @XPANLawPartners                         @RRakoskiesq Instagram:       @schellie00 LinkedIn:         Schellie Percudani                         Rebecca Rakoski, Esq.   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the Full Transcript Here:  00:02 Hello, Rebecca and Shelly, welcome to the podcast. I'm very excited to have you on to talk all about cybersecurity. So welcome, welcome.   00:13 Thank you for having us.   00:14 Yes, thank you. And   00:16 so this cybersecurity this for me as a small business owner, is brand new to me. Although it probably shouldn't be, but it is, but that's why we're talking about it today. But before we get into it, can you guys give a little bit more detail about yourself and what you do so if the listeners understand why I'm talking to you guys today?   00:41 So I, Rebecca McCroskey, I'm a co founder and managing partner of x Pam law partners, we're a boutique cybersecurity and domestic and international data privacy law firm, which is a really fancy way of saying we help organizations with their cybersecurity, and data privacy needs, right? I have been a practicing attorney for almost four years. I hate to admit that sometimes I'm like, I'm dating myself. But what's great is we really help businesses, small startups, all the way that big multinational corporations because right now businesses are it's, it's really a brave new world that we're facing today. And businesses are getting attacked literally from all different sides. And so we started x pant to really help businesses understand what their legal obligations are, and what their legal liabilities are. And I tell my clients, my job is to avoid those problems for you, or do my best or put you in the best position to address them if and when it becomes an issue. So that's   01:48 what I do in a nutshell. Great, thanks, Shelly. How about you?   01:53 Yes, my name is Shelly perky. Donnie, I am an account manager with contango it and we help businesses and our end organizations if I could speak, we help them manage their day to day it to help build a strong security posture. We also help them with cybersecurity, we have 45 people strictly in cybersecurity, we have 25 penetration testers, eight ethical hackers. So we have a strong, you know, posture to help businesses build a posture so that they at the end, I wouldn't say that they're not going to be attacked, but they are prepared for anything that could happen. And so we help them with that. Got it.   02:43 Well, thank you both for being here to talk about this, because we are seeing more and more things in the news lately about ransomware and cyber attacks. And so oftentimes, we think of that as only happening to the big businesses, right? So why should small businesses, which a lot of listeners that listen to this podcast, are entrepreneurs or small business owners? Why should we have to worry about this?   03:10 So, you know, from a legal perspective, obviously, anybody who's ever come into contact with the legal system knows, it's not just for large businesses. So from a legal perspective, you're going to be subjected to liability from your people who whose information you're collecting, call them data subjects, you can, you're going to have contractual obligations with your vendors and third parties that you use and share data with. So put that and then just put that aside for a moment, then you also have small businesses have a reputation. And in the small business community, I am myself a small business, I'm a small law firm, Chief law firm. And you know, your reputation is everything. And so part of your reputation nowadays is how you're handling security and privacy. What are you doing the data. And so it's really important for small businesses to realize it's not just the big guys, we hear about them in the news, the colonial pipelines and the JPS foods and the Equifax is of the world. What you don't know is that every single day law firms like mine are getting a call from small businesses going help. We just clicked on a bad link, we just got ransomware, what do we do? And that happens all the time. It really you hear about the big guys, but it's the little guys that are really, you know, bearing the brunt of it, I think.   04:32 Now, I would agree. And what we all have in common between the small businesses and the large businesses is we're all human. And like Rebecca said, it's human error. Somebody clicked on an email, and they didn't know you know, they weren't trained. Hey, this is a spoofing and phishing email. This is what they look like, this is what you need to look for. And so that's where we come in, and it's we're all human and we all make mistakes. It's just no Like, you know, you this is what to look out for.   05:04 Got it. And so what are some of the issues facing businesses today, when it comes to cybersecurity?   05:12 What ransomware is obviously one of the biggest issues, right. And for your listeners who don't know what ransomware is, it is, what happens is somebody clicks on a bad link, download the bad, you know, attachment to a file, and the ransomware is downloaded to the system. Depending on how sophisticated the hackers are, they can either deploy it immediately, which means your system starts to, they start to encrypt your files, or it can be that they sit in there and wait for Oh, I don't know, the most inopportune moment that your business has. And then they deploy the ransomware. I've had clients where they deploy ransomware, or they first delete backups before they deploy the ransomware to really add insult to injury there. So but so that's one of the big things and then the your entire system gets encrypted and you can't unencrypted it without the encryption key which you then have to pay for the ransom part of it. And, you know, we hear about the big ransoms, again, the 4.4 million from colonial the 11 million from JBS. But you know, I was speaking with a colleague the other day, and a law firm got ransomware for $50,000. Now, that's a lot to a small business, it's a lot to any business, but they try to make it it's almost like it's commercials with what they think that they can afford and pay and so that they'll pay because they want you to pay the ransom. So that's I think, I think that's probably the   06:35 number one I would say so too. And then you now you're on their list, because you've paid your   06:41 SIR now. Wow, they paid   06:44 from now you're on a list of this hacker of like, Well, you know, was easy to get in before. Yeah. So let's see how we can get in again.   06:55 Right? Oh, my goodness. Hang in and you know Rebecca's right.   06:59 And that's where you know, also patching and monitoring your systems having a good strong it. posture is important. Because they see that stuff, they see little inklings of, Oh, well, something's going on here. somebody's trying to get in, you know, so they can see that. And you know, you're only as good as your last backup, and where is your backup being stored? And you know, is that in a secure location? Because if not, guess what? It doesn't matter. Because your information is gone.   07:33 Oh, my gosh, yeah, that makes so much more sense. Now, even just explaining what ransomware is. I didn't realize so they hold the encryption key ransom. And that's what you're paying for.   07:46 Correct you in order to get your data back, you have to pay to get the encryption key. And people think Well, okay, so I'll pay the ransom. And I'll get the encryption. I'll get the encryption key. And it's like, like magic? Yeah. You do, to some extent, although there used to be honor amongst thieves. It's not always the case anymore. No. But the other thing is to keep in mind encryption is not perfect. So you're not going to get it back exactly the way it was before. And a lot of laws have been changed now. So the fact that you were ransomware, it is in and of itself, a reportable event for a data breach. So that's another aspect to it. I mean, we're talking more about the technical aspects with the ransomware. But this is the other part where you know, I always say like, ransomware is like three explosions. The first one, oh, my God, my computer has exploded, but yeah, my computer's, what do I do? And then the second one, which is how are we going to, you know, get back up and running. And then the third is really the legal liability that flows from it and holding it together.   08:55 Also to I mean, Rebecca, are you finding that now, too, they're not only holding it, they're selling the data? Yeah. So they're still older data copied it, they're giving you back access to it, but now they're gonna sell it?   09:12 Yes. So what it comes down to is yes,   09:15 there's a lot to do. At that point to now you've got to tell your clients, hey, I've been   09:23 hacked. And that's where that whole reputation part comes in, you know, where you're, you know, these are people who are interesting information to you data. You know, I mean, as a law firm, we obviously hold our clients data. But you know, if you're a business, you could be holding personal information of your clients and business partners. You could be holding sensitive data on your employees or social security, financial information, information about their beneficiaries, which could be kids and things like that. So it really is a problem that just expands exponentially. It's a rabbit Well, I guess you're falling down that rabbit hole for a while.   10:04 You're like Alice in Wonderland.   10:07 Right? Oh, my gosh. Well, now you mentioned Rebecca about laws? And does that? Could you talk a little bit more about like certain data privacy laws and how that works? And if you're a small business, what does that mean?   10:24 Sure, so different. So there are two sets of laws that you need to really be businesses need to be concerned about, right. So one of them are your your data breach notification laws, which won't really be triggered unless and until there is a data breach, there are 50 states, there are 50 different laws, it's super fun for businesses who have to deal with us, then you have data privacy laws, and because nobody can seem to get their act together to come up with a federal law, we are stuck with, again, a patchwork of laws. So different states have passed different laws. And that is in and around a data subjects rights, about the data that's being collected about from them. So for example, California has a law, Virginia passed the law, Colorado passed a law recently, I know there's a proposed one in New Jersey in New York, Pennsylvania, Texas. So you name the state, and it's probably considering Washington State has tried to have made several passes into data privacy law. And what's interesting about this privacy laws is it they're usually, there's usually a threshold, sometimes small businesses will meet that threshold, but you need to understand that and it's all about the data that you're collecting. So the data you're collecting is going to trigger or not trigger requirements under some of these laws. That same data is the attractive nuisance, if you will, to the hacker they want to, they want to so you know, I always say you can't have privacy without security. So they really do go hand in glove.   12:00 What would be like an app if you know this at the top of your head, but an example of data privacy law from one of those states that has them on the books like what would be an example.   12:13 So California has the California consumer Privacy Act, the ccpa, which was amended in November, when the good citizens of California had a ballot initiative to pass the California Privacy Rights Act or the cpra. And those types of so in and around that you have different rights, the right to deletion, the right to correction, or right to a ratio of three, you know, the right to be forgotten is what's commonly known as, or just some of the rights that you're entitled to. And so businesses that fall under the within the purview of the ccpa, which is in effect right now, the cpra, which will go into effect in 2023. And so if you are a data subject, and the business is is under those laws, you can, you know, say to the pay, I want to know what you're doing with my data, hey, I need you to correct or delete my data. And the business has a set statutory period of time to respond to that data subject Access Request. It's about transparency. So anybody who saw all those updated privacy policies online, that's all driven by privacy laws, there's one in Europe called the GDPR, the general data protection regulation. And it really is in and around transparency, and data collection, storage and sharing practices. So that's, I could go much deeper, but I don't want to put anyone to sleep as I talk about loss.   13:42 I think I think that's really helpful just so that people get an idea of like, well, I don't even know what that is, you know, and if you're a small business owner, you've got a million other things on your plate, because you probably don't have a dedicated IT department, you don't have a dedicated cybersecurity department, oftentimes, you're a solopreneur. Or maybe you have less than 10 employees, you know, so all of a sudden, all of this stuff has to come on to somebody. So I think just getting an awareness out there that it exists, is really important so that you can maybe look it up in your own individual state.   14:20 Yeah, and one thing I would say and I know that this is a problem amongst entrepreneurs and startup is within the startup community is that they think well, we can do this ourselves. We can like cut and paste the privacy policy online and somebody Shelley's laughing at me over here. But you know, the purpose of these laws is to provide information about what that business is doing with data. So if you're borrowing it from somebody else, you could be in trouble twice because you're now you're not accurately reflecting what your laws are, what you're doing with the data. And you've basically taken this information and maybe obligating yourself under other laws of regular So for people who are listening, I know nobody likes talking to lawyers. I swear we're not that bad. But hiring a dedicated privacy or security attorney who understands this is really important because you told what to, you know, have an Ono moment on top of it. Oh, no moment when you're you know,   15:19 exactly. You definitely were Rebecca Sade is absolutely correct. There are people that do that they try to manipulate it and do it themselves. What they don't realize is once you're hacked, it's not just, Oh, no, they've got my information. Now I have to pay this ransomware. But guess what, oh, if you weren't following those privacy acts, you're also gonna get fined on that data, too. So you definitely don't want to be fudging any kind of information. You definitely want transparency.   15:47 Yeah. So hire lawyer. I'm a big fan of lawyers. I hire lawyers for for everything, because I don't I'm not a lawyer. I don't know how to do any of it. And I want to make sure that I am protected. So I 100% get it. Now, what? So we're talking about the pitfalls of what could happen if you have a breach, or issues facing businesses. So what can businesses do to help with cyber security? What are some things we can have in place to give us some protection and peace of mind?   16:20 Well, I would like to answer that this is Shelley, I'm someone who's there for simple and very effective basics that you could do as a business owner. And they're very cost effective. In fact, you know, you already have some of them in hand, as far as like Microsoft Office 365, all you have to do is enable your multiple factor authentication, that's a huge one, it's like leaving your light on in your house, if you're going out to dinner, they're gonna move on to the next house, because you have that layer of protection. And then, you know, security awareness training, educating your employees, educating yourself a lot of spoofing and phishing email looks like, that's huge that you know, it, it makes them aware. And that also, you know, it shows your employees that you're protecting them, you're protecting your clients, you know, it shows stability. And then also, you know, monitoring and patching your systems, you know, making sure that someone has an eye on what's going on. I'm looking for those little ticks that someone may be trying to get into your system, because a lot of people that you can have websites, you can tell by is your website going slower, that's usually a sign that someone might be trying to hack into your system. You know, so it's little things like that. And then also, you know, software and hardware encryption, that's a huge one. A lot of people, I know we have all our devices, it's our fingerprint or face that opens it. But if your hardware is not encrypted, they could just steal your laptop, pull out the hard drive, plug it in somewhere else, and guess what the data is theirs. And it's just the simple things that can help a business.   18:10 Yeah, so So to recap, the multiple factor identification that I get, and I do security awareness training, what what are these emails look like? What not to click on? monitoring and patching systems? So when you say patching systems, what exactly does that mean?   18:27 Well, that's where someone is patching in and they're, you know, they're making sure that your system is secure. And it's going somewhere in that secure like firewall, everything like that. So that is exactly   18:39 the basic there. There are systems like so for example, the Equifax data breach was a vulnerability in an Apache struts operating system. And when they found this vulnerability, it was it was a problem. People write code, people make mistakes, you need to fix it. Once they discovered the problem. They went, they were like, Oh, you need to apply this patch. It basically fixes the code. Well, if you don't apply the patch, if you don't have somebody who can help you do that you're not you're leaving your back door   19:11 open or even Yeah, or even like software, like it needs to be updated. So they're patching and updating, they're constantly monitoring, updating any software so like have you ever had where your phone doesn't work and because you haven't upgraded your system? Well that's kind of like it is for monitoring and patching. They make sure that everything is up to date everything is to code   19:34 right because if you're not patching and updating like Shelly said, you can actually leave a hole Yeah, and you're not the it's a lot easier for them to get in because you would not that system isn't being supported anymore by the Microsoft's or the Googles because they've moved on. You got to move on with them. Otherwise, you're you're gonna have a problem.   19:52 Got it. Got it. Okay, that makes a lot more sense.   19:55 They could do that themselves. Like oh, I can do this. I can do this. But as they're growing Their business, they don't have time to focus on that. And that's how little cracks happen.   20:04 Got it? Okay, that makes a lot of sense. And number four was making sure that your software and your hardware was encrypted. Right? And does that. I mean, this might be a stupid question. But does it come that way?   20:19 No, that's not a stupid question. I mean, a lot of us think that because, you know, I mean, we're on a computer right now that if I shut it and locked it, I opened it again, I could put my finger on it, it would open it, I wouldn't have to type my password in. But if my hard drive wasn't encrypted, didn't have that same protection on it, where someone could steal it, and then just pull out the hard drive, because these people are very talented, plug in the hard drive. So you need to make sure that your hard drive has that same protection with your fingerprint of code that, you know that if they would have to, they wouldn't plug it in somewhere else, they're gonna have to know that code, because it's not going to work.   21:06 Keep in mind, too, that encryption, like we're always talking about is, in most jurisdictions, if you have an encrypted hard drive, if even if they get it, they can't access it. It's not a data breach. So I like to say encryption is your get out of jail free card in most jurisdictions, okay. There are 50 of them. There's a lot, but in most of them, that's your get out of jail free card. So it's one of the biggest, that multifactor I guess, are probably two of the biggest bang for your buck. There they are. And how do you   21:37 know if your software and hardware is in is encrypted? Again, perhaps another silly question, but I just don't know.   21:43 So first of all, I don't encrypt my own hard drive. I know a lot about technology. But I, you know, I don't go to my dentist for brain surgery. professionals, who are IT professionals, like Shelley's company, and I say, here, encrypt my hard drive, and they take care of it for you. So having it's really important   22:06 night. Yeah, I can. And does that literally mean you hand your computer over to someone and say, encrypt my hard drive? Not necessarily No, no, okay.   22:16 No, no, no, a lot of times what you know, like our text can do, they can come in, they can work in remotely in and you know, just like when they have when we monitor and patch, they do it remotely. You know, if you don't even know what's going on. It's just and it shouldn't, it shouldn't interrupt your day, it should then to wreck your workflow. It should be seamless. And usually, you know, it's something that, you know, our techs are very, you know, highly educated, I love text, I always think, Oh, my gosh, what they do is so cool, because they can just, they can fix everything, and they just go in and they're they're magicians.   22:56 Got it? Got it. Okay, how it should be you.   22:59 I mean, a lot of times, and this is true, too. I think Rebecca, a lot of rules now are making sure that you actually have a credible IT team. Because if you don't, you can now get fined. Or   23:14 Yeah, there are different laws where you can if you're not doing the things you're supposed to be doing, if you're not monitoring if you don't have your asset, you know, management, those kinds of things. I mean, one of the classic examples of that is is HIPAA. Now they don't say you have to have it on teaching but they do say you have to encrypt your heart you know, encryption, or they say you show it or they say you have to monitor monitor your devices and let's face facts, do you want to be I don't want to be monitoring my devices, I want my IT guys or gals to be monitoring my devices, I want to be practicing law. So that's the beauty of it is that it's it's Charlie says it's running seamlessly in the background, and you're doing what you should be doing much with running   23:55 your business. Got it? All right. Now let's move on to so let's say you have all of this in place. You've done your basics for cybersecurity. Do you have to have cyber security insurance? Or can you just say, Well, I did all this. So what do I need the insurance for? No,   24:15 that's like driving around without your seatbelt on. Like, you know, I, I frequently wanted to ram the car in front of me, but I don't I don't do that. So cyber insurance. When I will tell you this as when I started my own law firm. The first thing I bought was malpractice insurance. The second thing I bought was cyber liability, a separate standalone cyber liability policy. They are getting more expensive, but for a small business depending on the data you're collecting, they can be very reasonable. But I sleep at night because I know that if something goes horribly wrong, it's there. All of the things you're doing. me that all The good cyber practices that Shelly and I have been talking about that just means they're going to cover you when the when the stuff hits the fan. Because if you're not doing all of that, you've probably told they've sent you a questionnaire with your cyber liability policy and you filled it out and you're like, Oh, do I have multi factor authentication? Oh sure. I encrypt my hard drive. If you lie to them, they don't cover you. But if you're doing all these good cyber practices, and you have insurance, it's you know that every single one of my clients first thing I ask, Where is your data? What is it doing? Where is your cyber liability policy? Those are the   25:35 those are the big three Yeah. Okay. To help you too, because how are you going to get that money out? Right, how do you get that money back? How do you recoup your business? I mean $50,000 is a lot Oh yeah. And you know, you're a small business and yeah, you you could take a hit you can take a loan but wouldn't it be better if somebody covered it for you it's kind of like you You get a car accident you know, it was like that rental car where your car is getting fixed. You would like to get a new car that new car smell   26:11 Yeah, cyber liability insurance is absolutely critical for small business every this statistic might be a little bit old, but I will pull it out anyway for just as an example 60% of small businesses will go out of business within six months of a data breach without live liability insurance. So that's an I know that statistic has gone up it's a it's a little stale, but I think that's about a year old and every year they put out new stats I just haven't brushed up on my statistics today. But   26:41 well that is true because as many business owners as I talked to in everything, you would not believe how many of them I've had friends that had successful businesses and everything was going great. They got hacked, and they just couldn't recoup the money that they need it breaks my heart because they never thought it would happen to them because they weren't trading money they weren't doing anything like that. It was just common goods like e commerce that they were just like, yeah, and then something happened.   27:09 I mean, I get a call at least once a week from a crime business person literally tears I don't know what am I going to do? I have a little bit of a policy or something. It's like a rider on my my general liability policy, but now it's going out because it runs out like that and so quick, and they're like now what do I do? I don't I don't have an answer for them. They're gonna have to you know, they have to pay for it out of pocket. A lot of them can't It is really heartbreaking.   27:37 Yeah. Oh my goodness. Well, so you know, we talked about some issues facing businesses today. basics for cybersecurity, the need for cybersecurity liability, which I am in the process of getting after speaking with Celli a couple of weeks ago, so I'm there I'm doing it I'm in. You don't have to I You don't have to tell me twice when it comes to important insurances, I will get it. So is there anything else that you guys wanted to let the listeners know when it comes to cybersecurity for their businesses?   28:14 Um, I think the first thing that businesses need to do is take a proactive posture. So doing the technical things that Shelley's talking about, shoring up some of their legal obligations, like I'm talking about with, you know, appropriate privacy policies, contract language and things like that. The other thing is, they have to also be aware of their vendors, which I think is another big issue facing organizations if you look at data breaches, it's not caused by an employee in the company it's caused by an employee at one of their vendors. And so you know, it's a big issue and so I would say that for all small businesses, all of the technical aspects and then make sure your your legal, you put yourself in a legally defensible position because unfortunately, these things are going to happen. And you want to make sure that you not just survive but thrive after after an event like this.   29:09 Yeah, and I agree with Rebecca, those are the key things that you need to do as a business owner, but it's also helping yourself to educate been growing your business and I know at times it can be scary because like, Oh my goodness, I got to talk to a lawyer. That's more money. Oh, I gotta have someone you know, outsource it person. When I've had my cousin, he knows computers, he knows everything. You know, everything's going but if you're looking to move your business to that next level, and you're looking to flourish, you really just like anything else, you need to make sure you understand and you are doing what is required of you to do to help your business flourish.   29:53 Got it. Well, this was great. I mean, hopefully people listening to this, it will set a match under them. To get them to really take a look at this in their business because like you said when you're a small business owner you've got a million things going on. But this is super important and I think something that people really need to focus on so I thank you for bringing this topic to me Shelly and for bringing Rebecca on because I think this is really great and I do hope that all the listeners out there will now start to take a better look at their businesses and are they protected Do they have the right things in place so thank you thank you now where can people find you? if they have questions? If God forbid they have a breach and they need a lawyer or they need someone to help do an IT assessment of their business so where can people find you? So   30:47 I obviously have a website expand law partners com Also you can follow us on Twitter and on LinkedIn please connect you can connect connect with me personally and my business we put out for small businesses out there who have a lot of questions we are constantly pushing out different topics raising issues bringing attention to different ones so please act x Pam law partners connect with us and hopefully will will provide you with some of that information that Shelley was talking about   31:23 excellent Shelly Go ahead.   31:24 You can reach me at contango it calm is our website I can also link in with me you know I love to meet new people and I always like to offer any kind of advice or second opinions I can help with if I if there's anyone I can point you into the direction to you know help your business I would love to do that.   31:46 Excellent. Shelley is a great super connector for sure. So definitely reach out to them now ladies one last question and I asked everyone this is knowing where you are now in your life in your career. What advice would you give to your younger self?   32:01 see somebody asked me this I'm gonna have to steal from my prior answer was start my law firm earlier. I wish I had done it earlier. I cherish the time I spent at a large law firm but I love what I do now. I love helping businesses so this I would do it earlier. So amazing. I would become an ethical hacker. Love that. I want to change my answer. That's a great answer. I love it.   32:35 I love it. Well, ladies, thank you so much for coming on the podcast sharing all this vitally important information. I do appreciate it. Thank you so much for having us. Pleasure and everyone. Thank you for listening. Reach out to these ladies if you are a small business because you may need some cyber help. Thank you for listening, have a great couple of days and stay healthy, wealthy and smart.

The tastytrade network
Market Measures - October 14, 2021 - Where is the Risk with Nat Gas?

The tastytrade network

Play Episode Listen Later Oct 14, 2021 14:48


Natural gas has remained range bound between 2009 and 2021, but in the last month, broke out to above $6. While it is pulling back now, this acts as an indication to where the risk is when trading natural gas. With equities, the risk lies to the downside as investors and traders worry about their assets going to zero. With natural gas, the risk lies to the upside because the demand increases much faster than the supply can keep up. How do calls and puts in UNG compare to calls and puts in SPY, and where does the real risk lie?

The tastytrade network
Market Measures - October 14, 2021 - Where is the Risk with Nat Gas?

The tastytrade network

Play Episode Listen Later Oct 14, 2021 15:38


Natural gas has remained range bound between 2009 and 2021, but in the last month, broke out to above $6. While it is pulling back now, this acts as an indication to where the risk is when trading natural gas. With equities, the risk lies to the downside as investors and traders worry about their assets going to zero. With natural gas, the risk lies to the upside because the demand increases much faster than the supply can keep up. How do calls and puts in UNG compare to calls and puts in SPY, and where does the real risk lie?

RISK!
CRS 162 : Let the World Know Why

RISK!

Play Episode Listen Later Oct 14, 2021 8:28


A Classic RISK! Singles episode! A story that Lily first shared on the podcast in November of 2015 about a mother's wisdom.                     Support RISK! on Patreon at Patreon.com/RISK Make a one-time donation to RISK! at PayPal.me/RISKshow Get tickets to RISK! live shows at RISK-show.com/tour Get the RISK! book at TheRISKBook.com Take storytelling classes at TheStoryStudio.org Hire Kevin Allison to make a personalized video at Cameo.com/TheKevinAllison Hire Kevin Allison as a coach at KevinAllison.com See omnystudio.com/listener for privacy information.

Game Changers with Molly Fletcher
General Stan McChrystal on How to Lead Through Change and Uncertainty

Game Changers with Molly Fletcher

Play Episode Listen Later Oct 14, 2021 49:27


A retired four-star general, General Stan McChrystal is the former commander of the US and International Forces in Afghanistan and the former commander of the nation's premier military counter-terrorism force, Joint Special Operations Command (JSOC). He's the founder & CEO of The McChrystal Group and a senior fellow at Yale, where he teaches a popular course on leadership. An expert on leadership and teams, General McChrystal is the author of several books, including his new book, Risk. In this conversation, we talk about the future of leadership, leading through adversity, and building resilient teams. 

The Doctor's Farmacy with Mark Hyman, M.D.
Genetics, Obesity, Diabetes, And Risk Of COVID: A Functional Medicine Perspective with Dr. Ronesh Sinha

The Doctor's Farmacy with Mark Hyman, M.D.

Play Episode Listen Later Oct 13, 2021 65:41


This episode is brought to you by Kettle & Fire, Beekeeper's Naturals, and Thrive MarketDid you know that 63% of Covid-19 hospitalizations can be linked back to at least one of four pre-existing conditions, all of which are largely preventable through diet and lifestyle choices? Obesity, hypertension, diabetes, and heart failure are strongly linked to more severe Covid outcomes. These cardiometabolic diseases represented a different type of pandemic, long before Covid-19 hit. We can make incredible reductions to our risk of these health problems, and even reverse them, using the power of food. Even people with genetic predispositions can significantly reduce the risk of any of these diagnoses and the Covid consequences that can come with them. Today on The Doctor's Farmacy, I talk to Dr. Ronesh Sinha, author of The South Asian Health Solution. He is an internal medicine physician who runs a lifestyle clinic in Silicon Valley focused on reversing insulin resistance in ethnically diverse patients. He is also an expert in corporate wellness and serves as the Chief Medical Officer for Silicon Valley Employer Forum, where he serves as a global adviser to shape health benefits for over 55 major Silicon Valley companies. This episode is brought to you by Kettle & Fire, Beekeeper's Naturals, and Thrive Market.Right now, you can get 25% off Kettle & Fire bone broth plus free shipping by using the code HYMAN at kettleandfire.com/hyman. Get 20% off your first Beekeeper's Naturals order by visiting beekeepersnaturals.com/HYMAN and entering the code HYMAN at checkout.Thrive Market is offering all Doctor's Farmacy listeners an extra 25% off your first purchase and a free gift when you sign up for Thrive Market. Just head over to thrivemarket.com/Hyman. Here are more of the details from our interview (audio version / Apple Subscriber version): Why South Asians are at uniquely high risk of developing insulin resistance, diabetes, and cardiovascular disease (7:19 / 3:46)The dangers of a high starch and sugar vegetarian diet (11:00 / 7:24)Designing a healthy pregnancy (13:41 / 11:00)The importance of muscle in metabolic health and aging (16:59 / 13:38)The dietary framework Dr. Sinha uses with his patients (23:12 / 15:45)Dr. Sinha's approach to understanding cholesterol, metabolic disease, statins, and lipid panels (27:43 / 23:00)Cooking with ghee and coconut oil vs. vegetable and seed oils (36:41 / 31:35)Thinking of Covid-19 as a lifestyle disease (45:35 / 40:25)The link between body fat, diet, and Covid-19 outcomes (47:39 / 42:30)Simple lifestyle changes to reduce your risk of severe outcomes from Covid-19 (49:32 / 45:15) Learn more about Dr. Ronesh Sinha at culturalhealthsolutions.com and check out his new podcast, Meta Health Podcast. Follow Dr. Sinha on Instagram @roneshsinhamd. See acast.com/privacy for privacy and opt-out information.

The John Batchelor Show
1758: Morocco and the risk of hot war with Algeria. Gregory Copley, Defense & Foreign Affairs HFN

The John Batchelor Show

Play Episode Listen Later Oct 13, 2021 14:10


Photo:. Natural hazards;  Dust Storm over Morocco and Algeria CBS Eye on the World with John Batchelor CBS Audio Network @Batchelorshow Morocco and the risk of hot war with Algeria.  Gregory Copley, Defense & Foreign Affairs HFN https://www.reuters.com/world/africa/algeria-closes-airspace-moroccan-aviation-2021-09-22/

RISK!
Make Yourself at Home

RISK!

Play Episode Listen Later Oct 12, 2021 54:20


Cyndi Freeman, Jeff Simmermon, and Christina Chiu share stories about very bad days, a cat-calling college boy, and a house divided.                             Support RISK! on Patreon at Patreon.com/RISK Make a one-time donation to RISK! at PayPal.me/RISKshow Get tickets to RISK! live shows at RISK-show.com/tour Get the RISK! book at TheRISKBook.com Take storytelling classes at TheStoryStudio.org Hire Kevin Allison to make a personalized video at Cameo.com/TheKevinAllison Hire Kevin Allison as a coach at KevinAllison.com See omnystudio.com/listener for privacy information.