Podcasts about risks

In this episode of the Smart Real Estate Coach Podcast, I sit down with Alex Arguelles—CEO, co-founder, and operator who scaled from a two-man startup in a garage to 9,000+ units across multiple states by his early 30s. We unpack how he started buying distressed debt right out of college in 2007–2008, raised 100% investor capital, vertically integrated management, and navigated all the headaches that come with growing from 3 employees to 175 and working through 15,000 apartments over 13 years.     We talk about raising credibility when you're young and broke, hiring (and firing) your first key people, managing teams in multiple states, and why Alex believes your unfair advantage is your willingness to "just learn" by getting your hands dirty. Then we fast-forward to today and dive into his new national sale-leaseback platform, Sell2Rent, how it helps investors buy cash-flowing homes with prepaid rent, and why he thinks the people willing to take smart risks in this cycle will be the ones ahead in 2–3 years.   If you're trying to go from one or two deals to building something scalable, whether that's a lean portfolio or a full-blown company. This one's a real-world masterclass in cycles, capital, people, and mindset.   Key Talking Points of the Episode   00:00 Introduction 01:01 Meet Alex Arguelles: From 21-year-old founder to 9,000 units 02:16 Scaling from 3 people to 175 employees before exiting in 2020 03:24 Running toward the fire: distressed debt & vertical integration 05:03 No burn, no money, and desensitized to risk 06:48 The problems with building credibility as a young investor 08:02 Dealing with doubters and how pain tolerance plays into his success 09:06 Learning through Mortgage for Dummies and no YouTube  10:05 Lessons from scaling across states on culture, DNA & hiring remotely 11:20 The importance of hiring better people to avoid big, expensive mistakes 15:04 Where investors can find opportunities in real estate today 16:36 The Florida real estate market: valuations and rents holding (for now) 17:22 The differences between 2008 and 2025 18:30 How data access can help you collaborate with other investors in your area 20:08 The first step to getting involved in multifamily real estate 21:06 How you should navigate the single-family real estate market 22:37 Sell2Rent: A nationwide platform that connects investors with off-market properties 23:49 What makes Sell2Rent different from other similar platforms  25:02 How taking smarter risks today will put you ahead in 2-3 years 27:14 How to get in touch with Alex and his team   Quotables   "We started running towards the fire. We started buying distressed debt. We had no money, so we had to raise 100% investor funds."   "You make all your money in real estate when you hit the returns or when you use other people's money."   "For the people who are willing to take a risk right now, I think they're going to be ahead in two years to three years."   Links   Sell2Rent https://www.sell2rent.com/   QLS 4.0 - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books 3paydaysbooks.com/podcast    Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources

Today's Scripture passage is Esther 3 - 6.Read by Christina Edmondson.Get in The Word with Truth's Table is a production of InterVarsity Press. For 75 years, IVP has published and created thoughtful Christian books for the university, church, and the world. Our Bible reading plan is adapted from Bible Study Together, and the Bible version is the New English Translation, used by permission.SPECIAL OFFER | As a listener of this podcast, use the code IVPOD25 for 25% off any IVP resource mentioned in this episode at ivpress.com.Additional Credits:Song production: Seaux ChillSong lyrics written by: Seaux Chill, Ekemini Uwan, and Christina EdmondsonPodcast art: Kate LillardPhotography: Shelly EveBible consultant: JM SmithSound engineering: Podastery StudiosCreative producers: Ekemini Uwan and Christina EdmondsonAssistant producer: Christine Pelliccio MeloExecutive producer: Helen LeeDisclaimer: The comments, views, and opinions expressed in this podcast are solely those of the host and/or the guests featured on the podcast and do not necessarily reflect the views or positions of InterVarsity Press or InterVarsity Christian Fellowship.

In this episode of the HVAC Know It All Business Edition Podcast, co-hosts Gary McCreadie and Furman Haynes along with guests Robin Henry, Owner of Pinnacle Building Performance and Ian Schotanus, The HR Guy and Co-owner of The Big Picture Consulting, cover essential topics for those thinking of starting or growing their own HVAC business, including subcontracting vs. employees, payroll setup, hiring, marketing, and more. If you're a technician dreaming of business ownership, this episode is packed with valuable insights to help you navigate the early stages of building your own HVAC business. Expect to Learn: The risks and considerations of subcontracting vs. hiring employees How to set up payroll, unemployment, and worker's comp The challenges and strategies in managing business growth How to handle administrative work and stay organized The importance of marketing and creative approaches to attracting customers Timestamps: [00:00:00] - Introduction  [00:01:25] - Lawsuit Risk and Subcontracting [00:11:18] - Robin's Experience with Hiring [00:13:06] - Payroll, Unemployment, and Worker's Comp [00:15:36] - Advice for Aspiring Business Owners [00:17:24] - Mistakes Made by First-Time Business Owners [00:18:06] - The Wall of Hats [00:19:04] - Admin Work: The Hidden Burden of Business Ownership [00:21:20] - Administrative Inflation [00:22:01] - Closing Remarks Follow Guest Robin Henry on:  LinkedIn: https://www.linkedin.com/in/robin-henry-3a460482 Instagram: https://www.instagram.com/pinnaclebuildingperformance/?hl=en Company's Linkedin: https://www.linkedin.com/company/pinnaclebp Company's Website: https://www.pinnaclebuildingperformance.com/about-us/   Follow Guest Ian Schotanus on:  Company's LinkedIn:  https://www.linkedin.com/company/the-big-picture-consulting Company's Website: https://thebigpictureconsulting.com/about-us Company's Instagram: https://www.instagram.com/thebigpictureconsulting/   Follow the Hosts: Follow Furman Haynes on:  LinkedIn:  https://www.linkedin.com/company/workherohvac/ Facebook: https://www.facebook.com/p/WorkHero-61562122449748/ Instagram: https://www.instagram.com/workhero__    Follow Gary McCreadie on: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/  Website: https://www.hvacknowitall.com  Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/   Instagram: https://www.instagram.com/hvacknowitall1/   

Can a sovereign God take risks? In this episode of Light + Truth, John Piper opens 1 Timothy 6:15–16 to show how God's power and certainty anchor our courage.

A new report from Stanford and Common Sense Media finds that more than half of U.S. teens use AI chatbots for companionship. But, according to Dr. Darja Djordjevic, an adolescent and adult psychiatrist who co-authored the research, the bots aren't equipped to provide the kind of emotional support young people need when dealing with a mental health issue.Dr. Djordjevic and her team simulated conversations involving various mental health concerns with four of the most popular consumer chatbots and identified several risks; chiefly, their tendency to be sycophantic. A note, this conversation mentions suicide and self-harm.

A new report from Stanford and Common Sense Media finds that more than half of U.S. teens use AI chatbots for companionship. But, according to Dr. Darja Djordjevic, an adolescent and adult psychiatrist who co-authored the research, the bots aren't equipped to provide the kind of emotional support young people need when dealing with a mental health issue.Dr. Djordjevic and her team simulated conversations involving various mental health concerns with four of the most popular consumer chatbots and identified several risks; chiefly, their tendency to be sycophantic. A note, this conversation mentions suicide and self-harm.

What does it really take to build a multi-six-figure author business with no advertising? Is running your own warehouse really necessary for direct sales success — or is there a simpler path using print-on-demand that works just as well? In this conversation, Sacha Black and I compare our very different approaches to selling direct, from print on demand to pallets of books, and explore why the right model depends entirely on who you are and what your goals are for your author business. In the intro, Memoir Examples and interviews [Reedsy, The Creative Penn memoir tips]; Written Word Media annual indie author survey results; Successful Self-Publishing Fourth Edition; Business for Authors webinars; Into the Drowning Deep by Mira Grant; Camino Portuguese Coastal on My Camino Podcast; Creating while Caring Community with Donn King; The Buried and the Drowned by J.F. Penn Today's show is sponsored by Bookfunnel, the essential tool for your author business. Whether it's delivering your reader magnet, sending out advanced copies of your book, handing out ebooks at a conference, or fulfilling your digital sales to readers, BookFunnel does it all. Check it out at bookfunnel.com/thecreativepenn This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Sacha Black is the author of YA and non-fiction for authors and previously hosted The Rebel Author Podcast. As Ruby Roe, she is a multi-six-figure author of sapphic romantasy. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights, and the full transcript is below. Show Notes Two models for selling direct: print on demand vs running your own warehouse. Plus, check out Sacha's solo Rebel Author episode about the details of the warehouse. Cashflow management Kickstarter lessons: pre-launch followers, fulfillment time, and realistic timelines How Sacha built a multi-six-figure business through TikTok with zero ad spend Matching your business model to your personality and skill set Building resilience: staff salaries, SOPs, and planning for when things change You can find Ruby at RubyRoe.co.uk and on TikTok @rubyroeauthor and on Instagram @sachablackauthor Transcript of the interview Joanna: Sacha Black is the author of YA and nonfiction for authors, and previously hosted the Rebel Author podcast. As Ruby Roe, she is a multi-six-figure author of sapphic romance. So welcome back to the show, Sacha. Sacha: Hello. Thank you for having me. It's always a pleasure to be here. Joanna: I'm excited to talk to you today. Now, just for context, for everybody listening, Sacha has a solo episode on her Rebel Author podcast, last week as we record this, which goes into specific lessons around the warehouse in more detail, including financials. So we are going to come at this from a slightly different angle in our discussion today, which is really about two different ways of doing selling direct. I want us to start though, Sacha, in case people don't know your background, in case they've missed out. Can you just give us a quick recap of your indie author journey, because you haven't just come out of nowhere and jumped into this business and done incredibly well? Sacha's Indie Author Journey Sacha: No, I really haven't. Okay. So 2013, I started writing. So 12 years ago I started writing with the intention to publish, because I was writing before, but not with the intention. 2017 I first self-published and then two years after that, in 2019, I quit the day job. But let me be clear, it wasn't because I was rolling in self-published royalties or commissions or whatever you want to call them. I was barely scraping by. And so those are what I like to call my hustle years because I mean, I still hustle, but it was a different kind. It was grind and hustle. So I did a lot of freelance work. I did a lot of VA work for other authors. I did speaking, I was podcasting, teaching courses, and so on and so forth. 2022, in the summer, I made a realisation that I'd created another job for myself rather than a business that I wanted to grow and thrive in and was loving life and all of that stuff. And so I took a huge risk and I slowed down everything, and I do mean everything. I slowed down the speaking, I slowed down the courses, I slowed down the nonfiction, and — I poured everything into writing what became the first Ruby Roe book. I published that in February 2023. In August/September 2023, I stopped all freelance work. And to be clear, at that point, I also wasn't entirely sure if I was going to be able to pay my bills with Ruby, but I could see that she had the potential there and I was making enough to scrape by. And there's nothing if not a little bit of pressure to make you work hard. So that is when I stopped the freelance. And then in November 2023, so two months later, I started TikTok in earnest. And then a month after that, December the eighth, I went viral. And then what's relevant to this is that two days after that, on December the 10th, I had whipped up my minimum viable Shopify, and that went live. Then roll on, I did more of the same, published more Ruby Roe books. I made a big change to my Shopify. So at that point it was still print on demand Shopify, and then February 2025, I took control and took the reins and rented a warehouse and started fulfilling distribution myself. The Ten-Year Overnight Success Joanna: So great. So really good for people to realise that 2013, you started writing with the intention, like, seriously, I want this to be what I do. And it was 2019 when you quit the day job, but really it was 2023 when you actually started making decent money, right? Sacha: Almost like we all need 10 years. Joanna: Yeah. I mean, it definitely takes time. So I wanted just to set that scene there. And also that you did at least a year of print on demand Shopify before getting your own warehouse. Sacha: Yeah, maybe 14 months. Joanna: Yeah, 14 months. Okay. So we are going to revisit some of these, but I also just want as context, what was your day job so people know? Sacha: So I was a project manager in a local government, quite corporate, quite conservative place. And I played the villain. It was great. I would helicopter into departments and fix them up and look at processes that were failing and restructure things and bring in new software and bits and bobs like that. The Importance of Business Skills Joanna: Yeah. So I think that's important too, because your job was fixing things and looking at processes, and I feel like that is a lot of what you've done and we'll revisit that. Sacha: How did I not realise that?! Joanna: I thought you did know that. No. Well, oh my goodness. And let's just put my business background in context. I'm sure most people have heard it before, but I was an IT consultant for about 13 years, but much of my job was going into businesses and doing process mapping and then doing software to fix that. And also I worked, I'm not an accountant, but I worked in financial accounting departments. So I think this is really important context for people to realise that learning the craft is one thing, but learning business is a completely different game, right? Sacha: Oh, it is. I have learnt — it's wild because I always feel like there's no way you can learn more than in your first year of publishing because everything is brand new. But I genuinely feel like this past 18 months I have learnt as much, if not more, because of the business, because of money, because of all of the other legal regulation type changes in the last 18 months. It's just been exhausting in terms of learning. It's great, but also it is a lot to learn. There is just so much to business. Joanna's Attempts to Talk Sacha Out of the Warehouse Joanna: So that's one thing. Now, I also want to say for context, when you decided to start a warehouse, how much effort did I put into trying to persuade you not to do this? Sacha: Oh my goodness, me. I mean a lot. There were probably two dinners, several coffees, a Zoom. It was like, don't do it. Don't do it. You got me halfway there. So for everybody listening, I went big and I was like, oh, I'm going to buy shipping containers and convert them and put them on a plot of land and all of this stuff. And Joanna very sensibly turned around and was like, hmm, why don't you rent somewhere that you can bail out of if it doesn't work? And I was like, oh yeah, that does sound like a good idea. Joanna: Try it, try it before you really commit. Okay. So let's just again take a step back because the whole point of doing this discussion for me is because you are doing really well and it is amazing what you are doing and what some other people are doing with warehouses. But I also sell direct and in the same way as you used to, which is I use Bookfunnel for ebooks and audiobooks and I use BookVault for print on demand books, and people can also use Lulu. That's another option for people. So you don't have to do direct sales in the way that you've done it. And part of the reason to do this episode was to show people that there are gradations of selling direct. Why Sell Direct? Joanna: But I wanted to go back to the basics around this. Why might people consider selling direct, even in a really simple way, for example, just ebooks from their website, or what might be reasons to sell direct rather than just sending everything to Amazon or other stores? Sacha: I think, well, first of all, it depends on what you want as a business model. For me, I have a similar background to you in that I was very vulnerable when I was in corporate because of redundancies, and so that bred a bit of control freakness inside me. And having control of my customers was really important to me. We don't get any data from Amazon or Kobo really, or anywhere, even though all of these distributors are incredible for us in our careers. We don't actually have direct access to readers, and you do with Shopify. You know everything about your reader, and that is priceless. Because once you have that data and you have delivered a product, a book, merchandise, something that that reader values and appreciates, you can then sell to them again and again and again. I have some readers who have been on my website who have spent almost four figures now. I mean, that is just — one person's done that and I have thousands of people who are coming to the website on a regular basis. So definitely that control and access to readers is a huge reason for doing it. Customising the Reader Relationship Sacha: And also I think that you can, depending on how you do this model, there are ways to do some of the things I'm going to talk about digitally as well. But for me, I really like the physical aspect of it. We are able to customise the relationship with our customers. We can give them more because we are in control of delivery. And so by that I mean we could give art prints, which lots of my readers really value. We can do — you could send those digitally if you wanted to, but we can add in extra freebies like our romance pop sockets, that makes them feel like they are part of my reader group. They're part of a community. It creates this belonging. So I think there is just so much more that you can do when you are in control of that relationship and in control of the access to it. Joanna: Yeah. And on that, I mean, one of the reasons we can do really cool print books — and again, we're going to come back to print on demand, but I use print on demand. You don't have to buy pallets of books as Sacha does. You can just do print on demand. Obviously the financials are different, but I can still do foiling and custom end papers and ribbons and all this with print on demand through BookVault custom printing and bespoke printing. The Speed of Money Joanna: But also, I think the other thing with the money — I don't know if you even remember this, because it's very different when you are selling direct — you can set up your system so you get paid like every single day, right? Or every week? Sacha: Yes. Joanna: So the money is faster because with Amazon, with any of these other systems, it can take 30, 60, 90 days for the money to get to you. So faster money, you are in more control of the money. And you can also do a lot more things like bundling and like you mentioned, much higher value that you could offer, but you can also make higher income. Average order value per customer because you have so many things, right? So that speed of money is very different. Sacha: It is, but it's also very dangerous. I know we might talk about cashflow more later, but— Joanna: Let's talk about it now. Managing Cashflow With Multiple Bank Accounts Sacha: Okay, cool. So one of the things that I think is the most valuable thing that I've ever done is, someone who is really clever told me that you're allowed more than one business account. Joanna: Just to be clear, bank accounts? Sacha: Yes, sorry. Yeah. Bank accounts. And one of my banks in particular enables you to have mini banks inside it, mini pots they call it. And what I do with pre-orders is I treat it a bit like Amazon. So that money will come in — you know, I do get paid daily pretty much — but I then siphon it off every week into a pot. So let's just say I've got one book on pre-order. Every week the team tells me how much we've got in pre-orders for that one product and all the shipping money, and I put it into an account and I leave it there. And I do not touch it unless it is to pay for the print run of that book or to pay for the shipping. Because one of the benefits of coming direct to me is that I promise to ship all pre-orders early, so we have to pay the shipping costs before necessarily Amazon might pay for its shipping costs because they only release on the actual release day. But that has enabled me to have a little savings scheme, but also guarantee that I can pay for the print run in advance because I haven't accidentally spent that money on something else or invested it. I've kept it aside and it also helps you track numbers as well, so you know how well that pre-order is doing financially. Understanding Cashflow as an Author Joanna: Yeah. And this cashflow, if people don't really know it, is the difference between when money comes in and when it goes out. So another example, common to many authors, is paying for advertising. So for example, if you run some ads one month, you're going to have to pay, let's say Facebook or BookBub or whoever, that month. You might not get the money from the sale of those books if it's from a store until two months later. In that case, the cash flows the other way. The money is sitting with the store, sitting on Amazon until they pay you later. This idea of cashflow is so important for authors to think about. Another, I guess even more basic example is you are writing your first book and you pay for an editor. Money goes out of your bank account and then hopefully you're going to sell some books, but that might take, let's say six months, and then some money will come back into your bank account. I think this understanding cashflow is so important at a small level because as it gets bigger and bigger — and you are doing these very big print runs now, aren't you? Talk a bit about that. The Risks of Print Runs Sacha: Yeah. So one of the things I was going to say, one of the benefits of your sell direct model is that you don't have to deal with mistakes like this one. So in my recent book, Architecti, that we launched at the end of September, we did a print run of a thousand books, maybe about 3,000 pounds, something like that, 2,000 pounds. And basically we ended up selling all thousand and more. So the pre-orders breached a thousand and we didn't have enough books. But what made that worse is that 20% of the books that arrived were damaged because there had been massive rain. So we then had to do a second print run, which is bad for two reasons. The first reason is that one, that space, two, the time it's going to take to get to you — it's not instant, it's not printed on demand. But also three, I then had to spend the same amount of money again. And actually if we had ordered 2,000 originally, we would've saved a bit more money on it per book. So you don't — if you are doing selling direct with a print on demand model, the number of pre-orders you get is irrelevant because they'll just keep printing, and you just get charged per copy. So there are benefits and disadvantages to doing it each way. Obviously, I'm getting a cheaper price per copy printed, but not if I mess up the order numbers. Is Running a Warehouse Just Another Job? Joanna: So I'm going to come back on something you said earlier, which was in 2022 you said, “I realised I made a job for myself.” Sacha: Yeah. Joanna: And I mean, I've been to your store. You obviously have people to help you. But one of my reservations about this kind of model is that even if you have people to help you, taking on physical book — even though you are not printing them yourself, you're still shipping them all and you're signing them all. And to me it feels like a job. So maybe talk about why you have continued — you have pretty much decided to continue with your warehouse. So why is this not a job? What makes this fun for you? The Joy of Physical Product Creation Sacha: I wish that listeners could see my face because I'm literally glittering. I love it. I literally love it. I love us being able to create cool and wacky things. We can make a decision and we can create that physical product really quickly. We can do all of these quirky things. We can experiment. We can do book boxes. So first of all, it's the creativity in the physical product creation. I had no idea how much I love physical product creation, but there is something extremely satisfying about us coming up with an idea that's so integrated in the book. So for example, one of my characters uses, has a coin, a yes/no coin. She's an assassin and she flips it to decide whether or not she's going to assassinate somebody. We've actually designed and had that coin made, and it's my favourite item in the warehouse. It's such a small little thing, but I love it. And so there is a lot of joy that I derive from us being able to create these items. Sending Book Mail and Building Community Sacha: I think the second thing is I really love book mail. There is no better gift somebody can give me than a book. And so I do get a lot of satisfaction from knowing we're sending out lots and lots of book presents to people and we get to add more to it. So some of the promises that we make are: I sign every book and we give gifts. We have character art and, like I've mentioned before, pop sockets and all these kinds of things. And I get tagged daily in unboxings and stories and things like this where people are like, oh my gosh, I didn't realise I was going to get this, this, and this. And I just — it's like crack to me. I get high off of it. So I can't — this is not for everybody. This is a logistical nightmare. There are so many problems inherent in this business model. I love it. Discovering a Love of Team Building Sacha: And I think the other thing, which is very much not for a lot of authors — I did not realise that I actually really like having a team. And that has been a recent realisation. I really was told that I'm not a team player when I was in corporate, that I work alone, all of this nonsense. And I believed that and taken it on. But finding the right team, the right people who love the jobs that they do inside your business and they're all as passionate as you, is just life changing. And so that also helps me continue because I have a really great team. Joanna: I do have to ask you, what is a pop socket? Sacha: It's a little round disc that has a mechanism that you can pull out and then you — and it has a sticky command strip back and you can pop it on the back of your phone or on the back of a Kindle and it helps you to hold it. I don't know how else to describe it. It just helps you to hold the device easier. Joanna: Okay. I'm sure I wasn't the only one who was confused. I'm like, why are you doing electrical socket products? Know What Kind of Person You Are Joanna: But I think this actually does demonstrate another point, and I hope people listening — I hope you can sort of — why we are doing this partly is to help you figure out what kind of person you are as well. Because I can't think of anything worse than having lots of little boxes! And I've been in Sacha's thing and there's all these little stickers and there's lots of boxes of little things that they put in people's packages, which make people happy. And I'm like, oh, I just don't like packages of things. And I mean, you geek out on packaging, don't you as well? Sacha: Oh my goodness. Yeah. One of the first things I did when we got the warehouse was I actually went to a packaging expo in Birmingham. It was like this giant conference place and I just nerded out there. It was so fun. And one of the things that I'm booked to do is an advent calendar. And that was what drove me there in the first place. I was looking for a manufacturer that could create an advent calendar for us. I have two. I'm not — I have two advent calendars this year because I love them so much. But yeah, the other thing that I was going to say to you is I often think that as adults, we can find what we're supposed to do rooted in our childhood. And I was talking the other day and someone said to me, what toy do you remember from your youth? And I was like, oh yeah. The only one that I can remember is that I had a sticker maker. I like — that makes sense. You do like stickers. And I do. Yeah. Digital Minimalism vs Physical Products Joanna: Yeah, I do. And I think this is so important because I love books. I buy a lot of books. I love books, but I also get rid of a lot of books. I know people hate this, but I will just get rid of bags and bags of books. So I value books more for what's inside them than the physical product as such. I mean, I have some big expensive, beautiful books, but mostly I want what's in them. So it's really interesting to me. And I think there's a big difference between us is just how much you like all that stuff. So if you are listening, if you are like a digital minimalist and you don't want to have stuff around your house, you definitely don't want a warehouse. You don't want all the shipping bits and bobs. You are not interested in all that. Or even if you are, you can still do a lot of this print on demand. Then I think that's just so important, isn't it? I mean, did you look at the print on demand merch? Did you find anything you liked? The Draw of Customisation Sacha: Yeah, we did, but I think for me it was that customisation. We are now moving towards — I've just put an order in this morning for 10,000 customised boxes. We've got our own branding on them. We've got a little naughty, cheeky message when they flip up the flap. And it's little things like that that you can't — you know, we wouldn't have control over what was sent. So much of what I wanted, and some of the reasons for me doing it, is that I wanted to be able to sign the books. I was being asked on a daily basis if people could buy signed books from me, and it was driving me bonkers not being able to say yes. But also being able to send a website mailing list sign-up in the box, or being able to give them a discount in the box. I mean, I know you do that, but yeah, there was just a lot more customisation and things that we could do if we were controlling the shipping. Also, I wanted to pack the boxes, the books better. So we wanted to be able to bubble wrap things or we wanted to be able to waterproof things because we had various different issues with deliveries and so we wanted a bit more control over that. So yeah, there were just so many reasons for us to do it. Print on Demand Is Still Fantastic Sacha: Look, don't get me wrong, if I suddenly wanted to go off travelling for a year, then maybe I would shut down the warehouse and go back to print on demand. I think print on demand is fantastic. I did it for 14 months before I decided to open a warehouse. It is the foundation of most authors' models. So it's fantastic. I just want to do more. Joanna: Yeah. You want to do more of it. Life Stage Matters Joanna: We should also, I also wanted to mention your life stage. Because when we did talk about it, your son is just going to secondary school, so we knew that you would be in the same area, right? Sacha: Yeah. Joanna: Because I said to you, you can't just do this and — well, you can, you could ditch it all. But the better decision is to do this for a certain number of years. If you're going to do it, it needs time, right? So you are at that point in your life. Sacha: Yeah, absolutely. We — I mean, we are going to move house, I think, but not that far away. We'll still be in reachable distance of the warehouse. And yeah, the staying power is so important because it's also about raising awareness. You have to train readers to come to you. You have to show them why it's beneficial for them to order directly from you. Growing the Business Year Over Year Sacha: And then you also have to be able to iterate and add more products. Like you were talking earlier about increasing that average order value. And that does come from having more products, but more products does create other issues like space, which may or may not be suffering issues with now. But yeah, so for example, 2024, which was the first real year, I did about 73 and a half thousand British pounds. And then this year, where — as we record this, it's actually the 1st of December — and I'm on 232,000. So from year one to year two, it's a huge difference. And that I do think is about the number of products and the number of things that we have on there. Joanna: And the number of customers. I guess you've also grown your customer base as well. And one of the rules, I guess, in inverted commas, of publishing is that the money is in the backlist. And every time you add to your backlist and every launch, you are selling a lot more of your backlist as well. So I think as time goes on, yeah, you get more books. Kickstarter as an Alternative Joanna: But let's also talk about Kickstarter because I do signed books for my Kickstarters and to me the Kickstarter is like a short-term ability to do the things you are doing regularly. So for example, if you want to do book boxes, you could just do them for a Kickstarter. You don't have to run a warehouse and do it every single day. For example, your last Kickstarter for Ruby Roe made around 150,000 US dollars, which is amazing. Like really fantastic. So just maybe talk about that, any lessons from the Kickstarter specifically, because I feel like most people, for most people listening, they are far more likely to do a Kickstarter than they are to start a warehouse. Pre-Launch Followers Are Critical Sacha: Yeah, so the first thing is even before you start your Kickstarter, the pre-launch follow accounts are critical. So a lot of people think — well, I guess there's a lot of loud noise about all these big numbers about how much people can make on Kickstarter, but actually a lot of it is driven by you, the author, pushing your audience to Kickstarter. So we actually have a formula now. Somebody more intelligent gave this to me, but essentially, based on my own personal campaign data — so this wouldn't necessarily be the same for other people — but based on my campaign data, each pre-launch follower is worth 75 pounds. And then we add on seven grand, for example. So on campaign three, which was the most recent one, I had 1,501 pre-launch followers. And when you times that by 75 and you add on seven grand, it makes more or less exactly what we made on the campaign. And the same formula can be applied to the others. So you need more pre-launch followers than you think you do. And lots of people don't put enough impetus on the marketing beforehand. Almost all of our Kickstarter marketing is beforehand because we drive so many people to that follow button. Early Bird Pricing and Fulfillment Time Sacha: And then the other thing that we do is that we do early bird pricing. So we get the majority of our income on a campaign on day one. I think it was something wild, like 80% this time was on day one, so that's really important. The second thing is it takes so, so very much longer than you think it does to fulfil a campaign, and you must factor in that cost. Because if it's not you fulfilling, you are paying somebody else to fulfil it. And if it is you fulfilling it, you must account for your own time in the pricing of your campaign. And the other thing is that the amount of time it takes to fulfil is directly proportionate to the size of the campaign. That's one thing I did not even compute — the fact that we went from about 56,000 British pounds up to double that, and the time was exponentially more than double. So you do have to think about that. Overseas Printing and Timelines Sacha: The other lesson that we have learned is that overseas printing will drag your timelines out far longer than you think it does. So whatever you think it's going to take you to fulfil, add several months more onto that and put that information in your campaign. And thankfully, we are now only going to be a month delayed, whereas lots of campaigns get up to a year delayed because they don't consider that. Reinvesting Kickstarter Profits Sacha: And then the last thing I think, which was really key for us, is that if you have some profit in the Kickstarter — because not all Kickstarters are actually massively profitable because they either don't account enough for shipping or they don't account enough in the pricing. Thankfully, ours have been profitable, but we've actually reinvested that profit back into buying more stock and more merchandise, which not everybody would want to do if they don't have a warehouse. However, we are stockpiling merchandise and books so that we can do mystery boxes later on down the line. It's probably a year away, but we are buying extra of everything so that we have that in the warehouse. So yeah, depending on what you want to do with your profit, for us it was all about buying more books, basically. Offering Something Exclusive Sacha: I think the other thing to think about is what is it that you are doing that's exclusive to Kickstarter? Because you will get backers on Kickstarter who want that quirky, unique thing that they're not going to be able to get anywhere else. But what about you? Because you've done more Kickstarters than me. What do you think is the biggest lesson you've learned? Reward Tiers and Bundling Joanna: Oh, well I think all of mine together add up to the one you just did. Although I will comment on — you said something like 75 pounds per pre-launch backer. That is obviously dependent on your tiers for the rewards, so most authors won't have that amount. So my average order value, which I know is slightly different, but I don't offer things like book boxes like you have. So a lot of it will depend on the tiers. Some people will do a Kickstarter just with an ebook, just with one ebook and maybe a bundle of ebooks. So you are never going to make it up to that kind of value. So I think this is important too, is have a look at what people offer on their different levels of Kickstarter. And in fact, here's my AI tip for the day. What you can do — what I did with my Buried and the Drowned campaign recently — is I uploaded my book to ChatGPT and said, tell me, what are some ideas for the different reward tiers that I can do on Kickstarter? And it will give you some ideas for what you can do, what kind of bundles you might want to do. So I think bundling your backlist is another thing you can do as upsells, or you can just, for example, for me, when I did Blood Vintage, I did a horror bundle when it was four standalone horror books in one of the upper tiers. So I think bundling is a good way. Also upselling your backlist is a really good way to up things. And also if you do it digitally, so for ebooks and audiobooks, there's a lot less time in fulfillment. Focus on Digital Products Too Joanna: So again, yours — well, you make things hard, but also more fun according to you, because most of it's physical, right? In fact, this is one of the things you haven't done so well, really, is concentrate on the digital side of things. Is that something you are thinking about now? Sacha: Yeah, it is. I mean, we do have our books digitally on the website. So the last — I only had one series in Kindle Unlimited, and I took those out in January. But so we do have all of the digital products on the website, and the novellas that we do, we have in all formats because I narrate the audio for them. So that is something that we're looking at. And since somebody very smart told me to have upsell apps on my website, we now have a full “get the everything bundle” in physical and digital and we are now selling them as well. Surprising. Definitely not you. So yeah, we are looking at it and that's something that we could look at next year as well for advertising because I haven't really done any advertising. I think I've spent about 200 pounds in ads in the last four months or something. It's very, very low level. So that is a way to make a huge amount of profit because the cost is so low. So your return, if you're doing a 40 or 50 pound bundle of ebooks and you are spending, I don't know, four pounds in advertising to get that sale, your return on that investment is enormous for ads. So that is something that we are looking at for next year, but it just hasn't been something that we've done a huge amount of. A Multi-Six-Figure Author With No Ads Joanna: Yeah. Well, just quoting from your solo episode where you say, “I don't have any advertising costs, customers are from my mailing list, TikTok and Instagram.” Now, being as you are a multi-six-figure author with no ads, this is mostly unthinkable for many authors. And so I wonder if, maybe talk about that. How do you think you have done that and can other people potentially emulate it, or do you think it's luck? It's Not Luck, It's Skill Set Sacha: Do you know, this is okay. So I don't think it's luck. I don't believe in luck. I get quite aggressive about people flinging luck around. I know some people are huge supporters of luck. I'm like, no. Do I think anybody can do it? Do you know, I swing so hard on this. Sometimes I say yes, and sometimes I think no. And I think the brutal truth of it is that I know where my skill set lies and I lean extremely heavily into it. So what do I mean by that? TikTok and Instagram are both very visual mediums. It is video footage. It is static images. I am extremely comfortable on camera. I am an ex-theatre kid. I was on TV as a kid. I did voiceover work when I was younger. This is my wheelhouse. So acting a bit like a tit on TikTok on a video, I am very comfortable at doing that, and I think that is reflected in the results. Consistency Without Burnout Sacha: And the other part of it is because I am comfortable at doing it, I enjoy it. It makes me laugh. And therefore it feels easy. And I think because it feels easy, I can do it over and over and over again without burning out. I started posting on TikTok on November the 19th, 2023, and I have posted three times a day every day since. Every single day without stopping, and I do not feel burnt out. And I definitely feel like that is because it's easy for me because I am good at it. Reading the Algorithm Sacha: The other thing that I think goes in here is that I'm very good at reading what's working. So sorry to talk Clifton Strengths, but my number one Clifton Strength is competition. And one of the skills that has is understanding the market. We're very good at having a wide view. So not only do I read the market on Amazon or in bookstores or wherever I can, it's the same skill set but applied to the algorithm. So I am very good at dissecting viral videos and understanding what made it work, in the same way somebody that spends 20,000 pounds a month on Facebook advertising is very good at doing analytics and looking at those numbers. I am useless at that. I just can't do it. I just get complete shutdown. My brain just says no, and I'm incapable of running ads. That's why I don't do it. Not Everyone Can Do This Sacha: So can anybody do this? Maybe. If you are comfortable on camera, if you enjoy it. It's like we've got a mutual friend, Adam Beswick. We call him the QVC Book Bitch because he is a phenomenon on live videos on TikTok and Instagram and wherever he can sell. Anything on those lives. It is astonishing to watch the sales pop in as he's on these lives. I can't think of anything worse. I will do a live, but I'll be signing books and having a good old chitchat. Not like it's — like that hand selling. Another author, Willow Winters, has done like 18 in-person events this year. I literally die on the inside hearing that. But that's what works for them and that's what's helping grow their business models. So ah, honestly, no. I actually don't think anybody can do what I've done. I think if you have a similar skill set to me, then yes you can. But no, and I know that I don't want to crush anybody listening. Do you like social media? I like social media. Do you like being on camera? Then yeah, you can do it. But if you don't, then I just think it's a waste of your time. Find out what you are good at, find out where your skill set is, and then lean in very, very hard. Writing to Your Strengths and Passion Joanna: I also think, because let's be brutal, you had books before and they didn't sell like this. Sacha: Yep. Joanna: So I also think that you leaned into — yes, of course, sapphic romance is a big sub-genre, but you love it. And also it's your lived experience with the sapphic sub-genre. This is not you chasing a trend, right? I think that's important too because too many people are like, oh, well maybe this is the latest trend. And is TikTok a trend? And then try and force them together, whereas I feel like you haven't done that. Sacha: No, and actually I spoke to lots of people who were very knowledgeable on the market and they all said, don't do it. And the reason for this is that there were no adult lesbian sapphic romance books that were selling when I looked at the market and decided that this was what I wanted to write. And I was like, cool, I'm going to do it then. And rightly so, everyone was like, well, there's no evidence to suggest that this is going to make any money. You are taking a huge risk. And I was like, yeah, but I will. I knew from the outset before I even put a word to the page how I was going to market it. And I think that feeling of coming home is what I — I created a home for myself in my books and that is why it's just felt so easy to market. Lean Into What You're Good At Sacha: It's like you, with your podcasting. Nobody can get anywhere near your podcast because you are so good at it. You've got such a history. You are so natural with your podcasting that you are just unbeatable, you know? So it's a natural way for you to market it. Joanna: Many have tried, but no, you're right. It's because I like this. And what's so funny — I'm sure I've mentioned it on the show — but I did call you one day and say, okay, all right, show me how to do this TikTok thing. And you spent like two hours on the phone with me and then I basically said no. Okay. I almost tried and then I just went, no, this is definitely not for me. And I think that this has to be one of the most important things as an author. Maybe some people listening are just geeking out over packaging like you are, and maybe they're the people who might look at this potential business model. Whereas some people are like me and don't want to go anywhere near it. And then other people like you want to do video and maybe other people like me want to do audio. So yeah, it's so important to find, well, like you said, what does not work for you? What is fun for you and when are you having a good time? Because otherwise you would have a job. Like to me, it looks like a job, you having a warehouse. But to you, it's not the same as when you were grinding it out back in 2022. Packing Videos Are Peak Content Sacha: Completely. And I think if you look at my social media feeds, they are disproportionately full of packing videos, which I think tells you something. Joanna: Oh dear. I just literally — I'm just like, oh my, if I never see any more packaging, I'll be happy. Sacha: Yeah. That's good. The One Time Sacha Nearly Burnt It All Down Sacha: I have to say, there was one moment where I doubted everything. And that was at the end — but basically, in about, of really poor timing. I ended up having to fulfil every single pre-order of my latest release and hand packing about a thousand books in two weeks. And I nearly burnt it all to the ground. Joanna: Because you didn't have enough staffing, right? And your mum was sick or something? Sacha: Yeah, exactly that. And I had to do it all by myself, and I was alone in the warehouse and it was just horrendous. So never again. But hey, I learned the lessons and now I'm like, yay, let's do it again. Things Change: Building Resilience Into Your Business Joanna: Yeah. And make sure there's more staffing. Yes, I've talked a lot on this show — things change, right? Things change. And in fact, the episode that just went out today as we record this with Jennifer Probst, which she talked about hitting massive bestseller lists and doing just incredibly well, and then it just dropped off and she had to pivot and change things. And I'm not like Debbie Downer, but I do say things will change. So what are you putting in place to make sure, for example, TikTok finally does disappear or get banned, or that sapphic romance suddenly drops off a cliff? What are you doing to make sure that you can keep going in the future? Managing Cash Flow and Salaries Sacha: Yeah, so I think there's a few things. The first big one is managing cash flow and ensuring that I have three to six months' worth of staff salaries, for want of a better word, in an account. So if the worst thing happens and sales drop off — because I am responsible for other people's income now — that I'm not about to shaft a load of people. So that really helps give you that risk reassurance. Mailing Lists and Marketing Funnels Sacha: The second thing is making sure that we are cultivating our mailing lists, making sure that we are putting in infrastructure, like things like upsell apps. And, okay, so here's a ridiculous lesson that I learned in 2025: an automation sequence, an onboarding automation sequence, is not what people mean when they say you need a marketing funnel. I learned this in Vegas. A marketing funnel will sell your products to your existing readers. So when a customer signs up to your mailing list because they've purchased something, they will be tagged and then your email flow system will then send them a 5% discount on this, or “did you know you could bundle up and get blah?” So putting that kind of stuff in place will mean that we can take more advantage of the customers that we've already got. Standard Operating Procedures Sacha: It's also things like organisational knowledge. My team is big enough now that there are things in my business I don't know how to do. That's quite daunting for somebody who is a control freak. So I visited Vegas in 2025 and I sat in a session all on — this sounds so sexy — but standard operating procedures. And now I've given my team the job of creating a process instruction manual on how they do each of their tasks so that if anybody's sick, somebody else can pick it up. If somebody leaves, we've got that infrastructure in place. And even things down to things like passwords — who, if I unfortunately got hit by a car, who can access my Amazon account? Stuff like that, unfortunately. Joanna: Yeah, I know. Well, I mean, that would be tragic, wouldn't it? Sacha: But it's stuff like that. Building Longer Timelines Sacha: But then also more day-to-day things is putting in infrastructure that pulls me out. So looking more at staffing responsibilities for staffing so that I don't always have to be there, and creating longer timelines. That is probably the most important thing that we can do because we've got a book box launching next summer. And we both had the realisation — I say we, me and my operations manager — had the realisation that actually we ought to be commissioning the cover and the artwork now because of how long those processes take. So I'm a little bit shortsighted on timelines, I think. So putting a bit more rigour in what we do and when. We now have a team-wide heat map where we know when the warehouse is going to be really, really full, when staff are off, when deliveries are coming, and that's projected out a year in advance. So lots and lots of things that are changing. And then I guess also eventually we will do advertising as well. But that is a few months down the line. Personal Financial Resilience Sacha: And then on the more personal side, it's looking at things like not just how you keep the business running, but how do you keep yourself running? How do you make sure that, let's say you have a bad sales month, but you still have to pay your team? How are you going to get paid? So I, as well as having put staff salaries away, I also have my own salary. I've got a few months of my own salary put away. And then investing as well. I know, I am not a financial advisor, but I do invest money. I serve money that I pay myself. You can also do things like having investment vehicles inside your business if you want to deal with extra cash. And then I am taking advice from my accountant and my financial advisor on do I put more money into my pension — because did I say that I also have a pension? So I invest in my future as well. Or do I set up another company and have a property portfolio? Or how do I essentially make the money that is inside the business make more money rather than reinvesting it, spending it, and reinvesting it on things that don't become assets or don't become money generating? What can I do with the cash that's inside the company in order to then make it make more for the long term? Because then if you do have a down six months or worse, a down year, for example, you've got enough cash and equity inside the business to cover you during those lower months or years or weeks — or hopefully just a day. Different Business Models for Different Authors Joanna: Yes, of course. And we all hope it just carries on up and to the right, but sometimes it doesn't work that way. So it's really great that you are doing all those things. And I think what's lovely and why we started off with you giving us that potted history was it hasn't always been this way. So if you are listening to this and you are like, well, I've only got one ebook for sale on Amazon, well that might be all you ever want to do, which is fine. Or you can come to where my business model is, which is mostly even — I use print on demand, but it's mostly digital. It's mostly online. It's got no packaging that I deal with. Or you can go even further like Sacha and Adam Beswick and Willow Winters. But because that is being talked about a lot in the community, that's why we wanted to do this — to really show you that there's different people doing different things and you need to choose what's best for you. What Are You Excited About for 2026? Joanna: But just as we finish, just tell us what are you excited about for 2026? Sacha: Oh my goodness me. I am excited to iterate my craft. And this is completely not related to the warehouse, but I have gotten myself into a position where I get to play with words again. So I'm really excited for the things that I'm going to write. But also in terms of the warehouse, we've got the new packaging, so getting to see those on social media. We are also looking at things like book boxes. So we are doing a set of three book boxes and these are going to be new and bigger and better than anything that we've done before. And custom tailored. Oh, without giving too much away, but items that go inside and also the artwork. I love working with artists and commissioning different art projects. But yeah, basically more of the same, hopefully world domination. Joanna: World domination. Fantastic. So basically more creativity. Sacha: Yeah. Joanna: And also a bigger business. Because I know you are ambitious and I love that. I think it's really good for people to be ambitious. Joanna: Oh, I do have another question. Do you have more sympathy for traditional publishing at this point? Sacha: How dare you? Unfortunately, yeah. I really have learnt the hard way why traditional publishers need the timelines that they need. This latest release was probably the biggest that — so this latest release, which was called Architecting, is the reason that I did the podcast episode, because I learned so many lessons. And in particular about timelines and how tight things get, and it's just not realistic when you are doing this physical business. So that's another thing if you are listening and you are like, oh no, no, no, I like the immediacy of being able to finish, get it back from the editor and hit publish — this ain't for you, honey. This is not for you. Joanna: Yeah. No, that's fantastic. Where to Find Sacha and Ruby Roe Joanna: So where can people find you and your books online? Sacha: For the Ruby Empire, it's RubyRoe.co.uk and RubyRoeAuthor on TikTok if you'd like to see me dancing like a wally. And then Instagram, I'm back as @SachaBlackAuthor on Instagram. Joanna: Brilliant. Thanks so much for your time, Sacha. That was great. Sacha: Thank you for having me.The post Two Different Approaches To Selling Books Direct With Sacha Black And Joanna Penn first appeared on The Creative Penn.

11.19.2025 #RolandMartinUnfiltered: Epstein Bill Awaits Trump, Ind. Mom’s Car Birth, Tuskegee Settlement, Fuentes Threat, Fanbase Update Congress is waiting on Trump's signature as the Epstein files take center stage. Massachusetts Congresswoman Ayanna Pressley joins us live to explain what the legislation means, how it's moving through Congress, and what the public needs to know. A Black Indiana mom was sent home from the hospital while in active labor, only to give birth in her car minutes later. Along with her attorney, she's demanding accountability and real change. Tuskegee University has settled its federal lawsuit against the American Veterinary Medical Association, ending a major legal battle over accreditation for the nation's only HBCU veterinary school. I'll talk to the school's President about their decision to settle. White Nationalist Nick Fuentes is planning to "infiltrate" politics. Fox hosts have a complete meltdown about Trump's approval rating, calling it "unfair." In our Tech Talk, Isaac Hayes III will give us an update on Fanbase. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

On this special segment of The Full Ratchet, the following Investors are featured: Jon Terbell and Ted Clark of FourBridge Partners Lara Banks of Makena Capital Management Jim Tananbaum of Foresite Capital We discuss major conflicts that guests have faced and how they resolved them. The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached.   Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

In this episode of the Nonprofit Newsfeed the hosts dive into the latest developments in the nonprofit sector, focusing on the aftermath of Giving Tuesday, challenges with donation platforms, and exciting AI opportunities for nonprofits. Key Topics: Giving Tuesday Overview: The hosts reflect on the impact and outcomes of the recent Giving Tuesday, with hopes that it reached the predicted $4 million mark to kickstart the fundraising season for nonprofits. Donation Platform Concerns: A significant issue discussed is the case of Flip Cause, a donation platform that inadvertently kept "shadow campaign pages" live, leading to a $500,000 loss in donation revenue. The California State Attorney General issued a cease and desist order after nonprofits reported these discrepancies. This incident underscores the risks associated with outdated or unauthorized donation pages, emphasizing the need for nonprofits to regularly audit and verify their donation processes and data integrity. AI for Nonprofits: Anthropic's announcement of Claude for Nonprofits offers a 75% discount on AI access, aiming to enhance nonprofit operations with AI tools for grant writing, engagement, and program evaluation. The hosts compare this offering to Google's AI tools, discussing pricing and the importance of choosing the right AI tools to maximize impact while ensuring data privacy. Mr. Beast and Rockefeller Foundation Collaboration: The partnership between YouTuber Mr. Beast and the Rockefeller Foundation aims to engage young people in philanthropy by combining storytelling with data-driven philanthropy. The discussion highlights the potential impact and pitfalls of influencer-led philanthropy, emphasizing the importance of ethical storytelling and the need to avoid reinforcing negative narratives about aid recipients.

Welcome to the award-winning FCPA Compliance Report, the longest running podcast in compliance. In this episode, Tom welcomes Nicole Di Schino, Principal Compliance Services Consultant at Diligent's Spark Compliance Group to consider how to best harness AI for your compliance regime into 2026 and beyond.   Nicole and Tom discuss the critical importance of AI governance, compliance, and modern GRC. They cover practical steps for developing comprehensive compliance programs, emphasizing the necessity for AI risk assessments, the establishment of AI governance committees, and the implementation of human oversight in AI processes. Nicole highlights the intrinsic risks associated with the use of AI, including privacy concerns and AI bias, and shares her personal experiences with AI's impact in educational settings. Tom underscores the role of compliance education, advocating for the broader view of compliance as an ambassadorial and educational function. This session also explores the integration of AI into compliance workflows and the essential role of board and committee oversight.  Resources Nicole Di Schino on LinkedIn Diligent Website   Tom Fox Instagram Facebook YouTube Twitter LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

In this “Best of 2025” episode of Omnivore Presents: SciDish, Food Technology revisits the top food science and thought leader interviews of the year. In 2025, the industry experienced a sharp uptick in food recalls—affecting everything from leafy greens to frozen meals. And it was not just one culprit—Listeria, Salmonella, E. coli, and even viruses … Continue reading Best of SciDish 2025: Food Safety 2025: Insights on Recalls, Risks, and Resilience →

The integration of advanced AI capabilities in tools like OpenAI Atlas and Microsoft Teams has raised significant security concerns, particularly regarding identity and trust vulnerabilities. Recent findings from LayerX indicate that the Atlas browser has critical vulnerabilities that could allow attackers to inject harmful instructions, while Microsoft Teams has a flaw that enables attackers to bypass Microsoft Defender protections through guest access. These issues highlight the fragility of AI integrations and the need for organizations to implement strict B2B collaboration configurations to mitigate risks associated with external collaborations.The FBI has reported over $262 million in losses due to account takeover fraud, with more than 5,100 complaints filed this year. Cybercriminals are increasingly using social engineering tactics to gain unauthorized access to online banking accounts, often changing passwords to lock victims out and quickly transferring funds to cryptocurrency wallets, complicating recovery efforts. The FBI advises individuals to monitor their financial accounts closely and adopt security measures such as complex passwords and multi-factor authentication to protect against these threats.Managed Service Providers (MSPs) are experiencing a growing demand for integrated security solutions, with a recent survey indicating that 92% of MSPs are seeing business growth driven by interest in AI. However, less than half feel prepared to guide clients in deploying AI tools, particularly autonomous agents. This gap in readiness reflects a significant drop from the previous year's 90% preparedness figure, emphasizing the need for MSPs to focus on data governance and security before implementing AI solutions.The episode underscores the importance of managing identity and data governance as the primary control mechanisms in modern security. MSPs that prioritize these areas will be better positioned to offer secure collaboration and effective automation. As the landscape evolves, providers must choose tools that enhance service delivery without adding unnecessary complexity, ensuring they can meet client demands for security and efficiency in an increasingly AI-driven environment.

This week on Unsupervised Learning, Jacob Effron is joined by Jordan Schneider, host of China Talk, who challenges widespread assumptions about US-China AI competition. China's AI development is driven by private capital and market competition—not central government planning—with companies like DeepSeek, Alibaba, and ByteDance operating more like Silicon Valley startups than state projects. The critical bottleneck is compute: the West maintains a 10-15x advantage in advanced chips, and US export controls implemented one month before ChatGPT created a structural edge favoring America for years. Chinese companies aggressively open-source models from strategic necessity—they couldn't establish a quality gap justifying paid access like OpenAI. Jordan explains why the "Goldilocks strategy" of controlled chip dependency fails, why expert consensus opposes selling advanced semiconductors to China despite Nvidia's lobbying, and how Taiwan's invasion risk is driven more by domestic politics than AGI scenarios. China's real advantage may emerge in robotics manufacturing at scale, where they're already deploying while the US debates strategy. Inside the Politburo's AI Study Session: https://www.chinatalk.media/p/xi-takes-an-ai-masterclassSubmit your questions to Jacob here: https://docs.google.com/forms/d/1vHBYv0bTT_EgFWTjbKnLr_sn3pZnFmcFGWYVTltKEco/edit (0:00) Intro(1:45) The Chinese AI Ecosystem: Pre and Post ChatGPT(3:45) Government Influence and Private Sector Dynamics(6:40) Venture Funding and Major Players(8:36) Talent and International Collaboration(11:25) Open Source Models and Market Dynamics(15:24) What Role Does The Chinese Government Play?(31:17) US-China AI Policy and Strategic Competition(36:18) The Argument for Selling AI Accelerators(37:02) Risks of Not Selling to China(43:34) Technological Constraints and Huawei's Challenges(51:18) US-China Relations and Taiwan(1:02:46) Quickfire With your co-hosts: @jacobeffron - Partner at Redpoint, Former PM Flatiron Health @patrickachase - Partner at Redpoint, Former ML Engineer LinkedIn @ericabrescia - Former COO Github, Founder Bitnami (acq'd by VMWare) @jordan_segall - Partner at Redpoint

Since the 1930s, the federal government has used the Federal Deposit Insurance Corporation's (FDIC) deposit insurance to justify its increased involvement in banking. Now, in the name of supporting community banks, some policymakers have proposed raising the FDIC insurance cap from $250,000 to $10 million. They claim that in the wake of the bank failures of 2023, depositors fled from small banks and moved their money to “too big to fail” institutions that enjoy implicit government backing. Increasing the FDIC insurance cap, these policymakers argue, will encourage depositors to stay with community banks.Yet for nearly a century, Congress and the FDIC have continued to expand and increase federal involvement in banking, creating a complex web of regulation, increasing costs for consumers, and burdening American taxpayers. Despite these changes being implemented in the name of safety, a select few institutions still clamor for special protection.The proposed expansion will magnify all these problems, making the system more fragile and less resilient, and forcing millions of Americans to bear its cost. Sadly, this latest expansion would come at a time when an incredibly small share of depositors even need additional coverage.Join leading policy experts for a discussion on why expanding FDIC insurance is not only unnecessary but could also ultimately harm both the economy and the community banks it was designed to protect. Hosted on Acast. See acast.com/privacy for more information.

Speed is winning deals, but speed is also feeding fraud. We sit down with CRC Specialty Professional Lines Broker Mark Waldeck to unpack the messy middle where e‑signatures, legacy policy language, and decentralized bank controls collide. From the difference between a simple e‑signature and a cryptographically protected digital signature to why underwriters hesitate when controls vary by department, we map the risk pathways that turn convenience into claims friction.We examine a headline‑grabbing fraud where a bank funded a multimillion‑dollar loan to an impersonator despite notary involvement and remote verification. The dispute with the insurer highlights a wider issue: policy forms born in the era of signature cards are being stretched to cover today's remote closings, and the gaps show up at the worst time. If you work with financial institutions, you'll get a practical checklist to help ensure your banking clients are protected, from enforcing MFA and encryption to tightening scrutiny as transaction size grows. Tune in to understand how small cracks in verification can become multimillion-dollar failures—and what you can do right now to help clients stay ahead of emerging fraud risks. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Private funders are increasingly shifting from funding short-term service delivery to long-term systems change, pushing nonprofits to rethink their role in their community. Many are now asking, how do we stay mission-focused while building the relationships needed to attract funders who want deeper change? In today's episode, we explore the idea of power ecosystems — what they are, how they work, and why they're reshaping the nonprofit-funder relationship. Tune in to learn how to identify your power ecosystem, build collective power, and engage private funders more effectively. Want to suggest a topic, guest, or nonprofit organization for an upcoming episode? Send an email with the subject "NPFX suggestion" to contact@ipmadvancement.com. Additional Resources Public Health and Racial Equity (PHaRE) Model for Systems Change https://gingerleeglobal.com/public-health-and-racial-equity-phare-model-for-systems-change/ [NPFX] Rethinking How We Do Good: What We Can Learn from This Funding Crisis https://www.ipmadvancement.com/npfx/rethinking-how-we-do-good-what-we-can-learn-from-this-funding-crisis [NPFX] Federal Funding Uncertainty: How to Assess the Risks and Respond Strategically https://www.ipmadvancement.com/npfx/federal-funding-uncertainty-how-to-assess-the-risks-and-respond-strategically [NPFX] Building Resilience in the Face of Funding Cuts https://www.ipmadvancement.com/npfx/building-resilience-in-the-face-of-funding-cuts [NPFX] Advocacy Matters: Defending Federal Funding for Nonprofits https://www.ipmadvancement.com/npfx/advocacy-matters-defending-federal-funding-for-nonprofits Guests Ginger Lee, DrPH, is the founder of the Ginger Lee Global Health Consulting Group, supporting communities and organizations committed to social justice and equitable systems change. Raised in low-resourced neighborhoods, she brings a deep commitment to community power building and transformational change. Dr. Lee has served as CEO of two nonprofits, a highly successful development director, a government policy maker, and president of a globally focused foundation. Her expertise centers on systems and organizational change, non-profit leadership, and on shifting traditional philanthropy to invest in systems-level solutions alongside direct service. She is the author of the research-based Public Health and Racial Equity (PHaRE) Model for Systems Change, which clarifies the mechanisms for systems transformation led by communities most impacted by inequities. https://www.linkedin.com/in/weavingchange/ https://gingerleeglobal.com/ Dr. Anthony "Tony" Iton, CEO of The Health Trust, is a physician, attorney, public health leader, and nationally recognized advocate for health equity. Over a career spanning more than 30 years, Dr. Iton has tackled systemic barriers to health and championed community-led solutions to address inequities. At The California Endowment, he served as Senior Vice President for Healthy Communities, leading the landmark $1 billion, 10-year Building Healthy Communities initiative—one of the largest philanthropic efforts of its kind in the nation. His visionary leadership focused on empowering marginalized communities, shifting policy systems, and reimagining public health practices. Dr. Iton holds an MD from Johns Hopkins University, a JD and MPH from UC Berkeley, and a BS in Neurophysiology from McGill University. He is a Lecturer of Health Policy and Management at UC Berkeley's School of Public Health and serves on the boards of national organizations focused on health equity, including the Public Health Institute and Prevention Institute. https://www.linkedin.com/in/drtonyiton/ https://healthtrust.org/ Elizabeth Silverstein has served the not-for-profit sector for more than 40 years, specializing in transformational giving, vision casting, inspiring boards, and building passionate, effective teams. Beth has been instrumental in cultivating major gifts for capital campaigns in healthcare, two presidential libraries, higher education, K-12 independent schools, and social service organizations. With an ardent passion for protecting and propelling the nonprofit sector, Beth has joined the team at VisionConnect, a consultancy specializing in strategic planning, coalition building, governance excellence, and nonprofit capacity building. A BoardSource-certified Governance Consultant, she is passionate about coaching boards toward purpose-driven leadership and crafting bold strategic plans that drive maximum mission impact. https://www.linkedin.com/in/elizabeth-reynolds-silverstein-b211b7a/ https://www.visionconnectllc.com/ Hosts Russ Phaneuf, a co-founder of IPM Advancement, has a background in higher education development, with positions at the University of Hartford, Northern Arizona University, and Thunderbird School of Global Management. As IPM's managing director & chief strategist, Russ serves as lead fundraising strategist, award-winning content creator, and program analyst specializing in applied system dynamics. https://www.linkedin.com/in/russphaneuf/ https://www.ipmadvancement.com/ Rich Frazier has worked in the nonprofit sector for over 35 years. In his roles as senior consultant with IPM Advancement and founder of VisionConnect LLC, Rich offers extensive understanding and knowledge in capital campaigns, fund development, strategic planning, and board of directors development. https://www.linkedin.com/in/richfrazier/ https://www.visionconnectllc.com/

In this episode of DisrupTV, hosts Vala Afshar and R “Ray” Wang sit down with three leaders shaping the next era of AI, intelligence, and personal branding. Benji Hutchinson, CEO of Babel Street, breaks down the world of mission-grade risk intelligence—how it's used in national security, why dual-use AI matters, and why fewer than 30% of Fortune 2000 companies truly understand it. Mukund Gopalan, Global Chief Data Officer at Ingram Micro and AI150 executive, shares how the company is building an “AI factory” to industrialize intelligence, improve data quality, empower employees, and drive real business transformation. Goldie Chan, branding strategist and author of Personal Branding for Introverts, reveals why introverts have unique leadership superpowers and walks through her signature 5Cs framework for building an authentic and sustainable personal brand. If you're interested in AI, cybersecurity, enterprise transformation, or modern leadership, this is an episode you won't want to miss.

Episode 113: 2025 in the rearview—are markets in for another strong year?Hosts:Kevin Headland (Co-chief Investment Strategist)Macan Nia (Co-Chief Investment Strategist)Special guests:Emily Roland (Co-Chief Investment Strategist)Matt Miskin (Co-Chief Investment Strategist)Episode highlights• 2025 in review:• The team discusses the strong performance of markets in 2025, including theTSX's impressive 24% return despite a challenging economic backdrop in Canada.• Key market drivers:• The role of momentum trading, trend-following strategies, and AI exuberance.• The ongoing influence of the crypto trade.• Discrepancies between Canada's economic data and TSX performance.• Looking ahead to 2026:• Will the trends of 2025 continue, or is a shift on the horizon?• The importance of sentiment as we enter the new year—are markets priced forperfection?• Why investing in companies is not the same as investing in the broader economy.• Risks and opportunities:• Potential risks for the Canadian economy, especially regarding banks andfinancials.• The importance of being prudent and keeping an eye on domestic economicindicators.• The impact of investor confidence and employment on market flows.• Actionable insight:Information à usage interne - Internal• The team provides practical considerations for investors as they positionportfolios for 2026.• Encouragement to review the team's full 2026 outlook, available on the ManulifeInvestments website.Additional information• Subscribe on Spotify, Apple Podcasts, or your favorite platform to stay up to date.• Listeners are encouraged to rate, share, and reach out with questions or feedback. 

In this episode, experts discuss the geopolitical implications of transformative technologies like artificial intelligence (AI), including how decision-makers are navigating governance, balancing innovation with risk, and addressing questions of equity and accountability.   Background Reading: This article assesses whether AI investments have contributed meaningfully to U.S. economic growth. This article analyzes whether democracies can safeguard AI systems in a way that preserves both institutional and public trust.   Host: Maryam Mujica, Chief Public Policy Officer, General Catalyst   Guests: Laura DeNardis, Professor and Endowed Chair in Technology, Ethics, and Society; Director, Center for Digital Ethics, Georgetown University   Vinh Nguyen, Senior Fellow for AI, Council on Foreign Relations   Miriam Vogel, Author, Governing the Machine: How to Navigate the Risks of AI and Unlock Its True Potential; President and Chief Executive Officer, EqualAI   Want more comprehensive analysis of global news and events straight to your inbox? Subscribe to CFR's Daily News Brief newsletter.   To keep tabs on all CFR events, visit cfr.org/event. To watch this event, please visit our YouTube channel: The Rules of AI: Governing Technology in a Geopolitical Age.  

In this episode of Masters of Risk, host Stewart Webster engages with Michael Brawer, the CEO of Transparency Analytics. With a wealth of experience in executive positions within the financial services industry, Michael has leveraged his insights to establish his own firm. Stewart explores the motivations behind Michael's entrepreneurial journey, the risks he has faced, and the challenges of raising funds to realize his vision. Don't miss this insightful conversation. More S&P Global Content: Masters of Risk | Season 3 Ep. 2: AI or Not: How Do We know What is Real or Not Masters of Risk | Season 3 Ep. 3: Nc'Nean Whisky Breaking the Barriers Are Credit Chatbots Worth the Resources? Tariffs in Transition: The Impacts of Trade on Credit Markets - Part 1 Balancing Risks and Rewards in the EU-US Tariff Landscape - Part 2 Navigating Global and Asia-Pacific Economic Prospects Amid U.S. Policy Changes and Tariffs – Part 3 Credits: Host: Stewart Webster Producer and Editor: Alisha Rappaport Guest: Michael Brawler

Buy-and-hold has a place—but retirement brings new risks like sequence-of-returns, required withdrawals, and tax considerations. In this conversation, Ken and the team break down how market downturns can affect lifetime income, why diversification alone may not limit losses, and where a rules-based “sell discipline” can fit into a retirement plan.We cover:• Sequence-of-returns risk and why early losses can sting in retirement• Where diversification helps—and where it doesn't• The role of a rules-based sell discipline alongside long-term investing• How cash flow planning and tax awareness influence portfolio choices• Practical next steps for people in or near retirementIf you're within five years of retirement (or already retired), this episode will help you think more clearly about risk, withdrawals, and staying retired—through up and down markets.Ready to chat with a Retirement Planner? Visit www.rpoa.com/meet-with-an-advisorRPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.Statements regarding the ‘Invest and Protect' strategy (formerly 'Buy, Hold, and Sell') or recommendations made prior to 2011 refer to strategies collectively employed and recommendations collectively made by RPOA's principals while employed at Eagle Strategies, LLC. RPOA was created in 2011 and uses the same exit strategy. Like all investment strategies, the Strategy is not guaranteed. It is possible that the sell signal can incorrectly predict a bear market, and affected investors would not participate in gains they could have realized by remaining invested. Implementing the Strategy may also result in tax consequences and transaction costs

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You're Coachable, But Are You Truly Humble? You've been coachable your entire career. You take feedback, adjust your approach, read books, listen to podcasts, and implement what works. Yet being coachable doesn't automatically make you humble—and that gap may be costing you more than you realize. Nicolas Restrepo, Senior Vice President of Sales at World Emblem, shared on a recent Sales Gravy Podcast episode: “What advice would I give myself ten years ago? Be humble. There's a difference between being coachable and being humble.” Most sales leaders assume coachability covers everything. If you're open to learning, you're set—right? Not quite. The best sales leadership is built not only on willingness to learn, but on recognizing that your success was never yours alone. What Being Coachable Actually Means A coachable leader stays receptive. Feedback isn't a threat. Adjustments aren't a burden. You ask questions, try new techniques, and pivot when something stops working. Coachable leaders attend training sessions and apply what they learn. They don't cling to “the way we've always done it” when the market shifts. Adaptability is their baseline. But it's only half the picture. What Being Humble Actually Means Humility isn't self-deprecation. It's acknowledging the full story behind every win. Humble leaders recognize the customer service rep who handled tough calls, the operations team that pulled off a miracle to meet a deadline, and the mentor who guided them through a high-stakes negotiation. Humility shows up when leaders look at a win and say “we did that” instead of “I did that.” It changes the way you speak, how you coach, and how your team shows up around you. Why Sales Leaders Confuse the Two It's easy to blur the lines. Coachability requires some humility. You have to acknowledge you don't know everything. But it's possible to be coachable and still operate from ego. Some leaders take feedback on their discovery process while taking full credit for the deal. They embrace a new objection-handling framework but never acknowledge the people who supported the outcome. They accept coaching but keep score of how often they were right. Coachability grows your skills. Humility grows your people. The Risks of Only Having One Coachability without humility burns teams out. You may improve individually, but hoarding credit discourages collaboration. When that happens, reps start withholding help because they know their contribution won't be recognized. They stop sharing insights. They stop going the extra mile. Coachable-but-not-humble leaders also tend to ask for help too late. They'll accept advice when it arrives but rarely seek it out until they're underwater. Humility without coachability leads to stagnation. You may share credit generously and build strong relationships, but if you refuse to learn hard truths about your blind spots, your team stalls with you. Some leaders disguise resistance to growth as modesty, deflecting responsibility rather than owning the need for improvement. You need both. Where These Traits Show Up in Real Leadership Consider how coachability and humility show up in everyday situations: After a big win: Coachable leaders debrief to find the repeatable actions. Humble leaders publicly recognize who made the win possible. When something fails: Coachable leaders ask what they could have done differently. Humble leaders avoid placing blame on the team. During onboarding: Coachable leaders stay open to feedback from new hires about broken processes. Humble leaders acknowledge when a new rep brings a skill they don't have. In pipeline reviews: Coachable leaders adjust their forecast based on data. Humble leaders give credit to the rep who spotted a risk early. Why This Matters for Long-Term Sales Leadership Sales leadership is a long game. You're not just managing this quarter's number. You're shaping the culture that determines whether top performers stay or bolt. Coachability keeps you sharp. Humility keeps your team aligned. When both traits are active, people share ideas more freely because they know you'll listen. They fight for deals because their effort is seen. They stay through hard quarters because they trust you're not in it for personal glory. How to Develop Both Traits To strengthen coachability: Ask your team for feedback on your leadership and apply it. Work with a peer or mentor who will challenge you. Notice when you resist feedback and explore why. Read one sales leadership book per quarter and implement one idea. To strengthen humility: When talking about a win, name three people who contributed. Ask for help early instead of waiting until you're stuck. Start meetings by recognizing someone else's win. Pay attention to how often you use “I” versus “we.” Questions to challenge yourself: When I talk about a win, who gets credit? Do reps bring me ideas, or wait to be told what to do? Am I more focused on being right or being effective? When was the last time I publicly recognized someone? The Bottom Line Being coachable gets you in the room. Being humble keeps you there. You can study every methodology, attend every training session, and absorb every leadership book. But if the goal is proving how great you are instead of elevating how great your team can become, you're building on sand. The sales leaders who last, who build high-performing cultures and develop reps who grow into leaders, all understand one truth: success was never a solo act. Stay coachable so you keep growing. Stay humble so your team grows with you. Your people will feel the difference. So will your results. Being coachable and humble is just the start. Learn how to inspire your team, earn trust, and create a culture that drives results. Grab your free chapter of People Follow You and discover the leadership strategies top sales leaders use every day.

#226 Melissa and Jam delve into the intriguing world of X-rays. They start with relatable stories from the dentist's office and transition into a deep dive into how X-rays work. Key topics include the electromagnetic spectrum, how X-rays are generated, why some materials allow X-rays to pass through while others don't, and the potential risks associated with repeated exposure. They also share personal anecdotes about broken bones and medical X-ray experiences, as well as shout out to community members who support the show. Join Melissa and Jam as they unravel the chemistry behind X-rays and their impact on our daily lives. 00:00 A Trip to the Dentist 01:00 Shoutouts and Inspirations 01:32 Introduction to X-Rays 04:04 Understanding the Electromagnetic Spectrum 05:38 How X-Rays Work 09:40 The Science Behind X-Ray Imaging 14:52 Generating X-Rays 17:23 Energy Waves and Electrons 19:57 Understanding X-rays and Their Risks 20:55 Comparing X-ray Exposure to Sunlight 21:35 Family Concerns About X-rays 22:33 Technological Advances in X-ray Safety 22:49 Summarizing X-ray Risks and Benefits 26:31 Personal Stories of X-rays and Broken Bones 39:26 Supporting the Show and Community Support this podcast on Patreon Buy Podcast Merch and Apparel Check out our website at chemforyourlife.com Watch our episodes on YouTube Find us on Instagram, Twitter, and Facebook @ChemForYourLife References from the Episode:   Thanks to our monthly supporters Amanda Raymond Emily Morrison Kyle McCray Justine Emily Hardy Ash Vince W Julie S. Heather Ragusa Autoclave Dorien VD Scott Beyer Jessie Reder J0HNTR0Y Jeannette Napoleon Cullyn R Erica Bee Elizabeth P Rachel Reina Letila Katrina Barnum-Huckins Suzanne Phillips Venus Rebholz Jacob Taber Brian Kimball Kristina Gotfredsen Timothy Parker Steven Boyles Chris Skupien Chelsea B Avishai Barnoy Hunter Reardon Support this podcast on Patreon Buy Podcast Merch and Apparel Check out our website at chemforyourlife.com Watch our episodes on YouTube Find us on Instagram, Twitter, and Facebook @ChemForYourLife Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

🧭 REBEL Rundown 📝 Introduction Welcome to the Rebel Core Content Blog, where we delve into crucial knowledge for emergency medicine. Today, we share insightful tips from PEM specialist Dr. Elise Perelman, shedding light on respiratory challenges in infants, toddlers, and young children during the viral season. Understanding that most cases involve typical viruses, we aim to equip you with diagnostic pearls to identify more serious pathologies. Click here for Direct Download of the Podcast. 🔍 Recognizing Respiratory Patterns Pearl #1: Look at Your PatientBegin exams from the doorway. Observing patterns such as accessory muscle usage can reveal a patient’s respiratory effort. Specify whether the work of breathing occurs during inspiration, expiration, or both. Inspiratory work indicates difficulty getting air in, while expiratory work suggests trouble pushing air out. Silent tachypnea may point to other issues, like acidemia or pneumothorax. 🩺 Localizing Sounds for Accurate Diagnosis Pearl #2: Localize the SoundBreathing noises signal varied respiratory issues. Stridor, often heard on inspiration, results from obstructions above the thoracic inlet. Conversely, wheezing, generally linked to exhalation, indicates obstructions in the lower airways. Watch for signs like ‘silent chest’—a dangerous, severe obstruction, and distinguish grunting as a bodily mechanism to prevent alveolar collapse. Correctly identifying the sound assists in determining the appropriate intervention. 💉 Tailoring Treatment for Effective Results Once a sound is localized, treatments vary. We explore Soder from nasal congestion, typically needing supportive care and suctioning. Stridor from conditions like croup is eased with interventions to reduce airway swelling, such as steroids or inhaled epinephrine. Conversely, wheezing in infants is often due to bronchiolitis—not bronchospasms—and over-treatment is to be avoided. Supportive measures including suction, hydration, and oxygen are preferred unless improvement warrants bronchodilators. 🌬️ Intervening with Severe Asthma In severe cases of asthma or bronchiolitis, where standard at-home treatments fail, immediate adjunct therapies like intramuscular epinephrine become essential. Administering this quickly can alleviate obstruction when inhalants aren’t effective due to low air movement. 🦓 Navigating the Zebras of Respiratory Cases When recognizing Zebras—uncommon cases overshadowed by routine diagnoses—remain vigilant for histories or presentations that don’t conform. Conditions like pneumonia, bacterial tracheitis, and even myocarditis may mimic more common issues. 📌 Conclusion As attending physicians, our role extends beyond conventional treatment—it’s about discerning the atypical from the typical. Dr. Perelman urges continual reassessment, emphasizing reliance on observational skills as much as technological aid. Keeping keen on respiratory nuances ensures we catch those outlier cases, paving the way for adept medical care despite the overwhelming prevalence of viral infections.Stay tuned for more pearls and insights in our future posts, as Dr. Perelman shares further strategies for effective pediatric emergency care. For more resources, continue exploring our faculty’s valuable contributions on our site. Until then, stay safe and perceptive in your practice. Post Peer Reviewed By: Mark Ramzy, DO (X: @MRamzyDO), and Marco Propersi, DO (X: @Marco_Propersi) 👤 Guest Elise Perlman MD Pediatric Emergency Medicine​ Assistant Professor, Donald and Barbara Zucker School of Medicine at Hofstra/Northwell Meet The Team 🔎 Your Deep-Dive Starts Here REBEL Core Cast – Pediatric Respiratory Emergencies: Beyond Viral Season Welcome to the Rebel Core Content Blog, where we delve ... Pediatrics Read More REBEL CAST – IncrEMentuM26 Speaker Spotlight : Drs. Tarlan Hedayati, Jess Mason and Simon Carley Host Dr. Mark Ramzy shines a spotlight on three distinguished ... Resuscitation Read More REBEL Core Cast 145.0: Understanding QTc Prolongation: Causes, Risks, and Management The QT interval is a vital part of ECG interpretation, ... Procedures and Skills Read More REBEL Core Cast 144.0: Tourniquet Tips In this episode of the Rebel Core Content podcast, Swami ... Procedures and Skills Read More REBEL CAST – IncrEMentuM26 Speaker Spotlight : George Willis and Mark Ramzy 🧭 REBEL Rundown 📝Introduction In this exciting episode of REBEL ... Endocrine, Metabolic, Fluid, and Electrolytes Read More REBEL Core Cast – DKA: Beyond the Basics Part 2 – SCOPE DKA-Trial Managing diabetic ketoacidosis (DKA) requires careful consideration of fluid therapy, ... Endocrine, Metabolic, Fluid, and Electrolytes Read More The post REBEL Core Cast – Pediatric Respiratory Emergencies: Beyond Viral Season appeared first on REBEL EM - Emergency Medicine Blog.

On this episode of Engage, First Officer Ryan Argenta welcomes First Officer Bryan Patchen, Chair of the Delta MEC's Aviation Security Committee and recent Aviation Security Award recipient, for a straight-talk briefing on the security issues pilots face every day. We cover what's actually happening with KCM (and why the “random” feels constant), how to handle screening disagreements professionally (what to say, who to ask for, and what to document), and the practical risks on international layovers - from aggressive pat-downs to theft tactics targeting watches and phones.   Bryan shares actionable steps that keep crews out of trouble: keep flight gear only for flying, get names/badge numbers when reporting, know when to withdraw consent and elevate to a supervisor, and use safety tools like FACTAL and the State Department's STEP enrollment form for proximity alerts and emergency news. We also touch on FFDO training status and secondary barriers progress. The goal isn't fear - it's awareness, professionalism, and smart habits so everyone gets home safe.

James Grant, legendary founder of Grant's Interest Rate Observer, joins us for a wide-ranging conversation on cycles, interest rates, inflation, credit, the Federal Reserve, private markets, gold, and the future of investing. Grant brings five decades of historical perspective to today's market extremes, explaining why this era of ultra-low interest rates created distortions that will shape returns for years to come — and where patient investors may ultimately find opportunity.Topics Covered• The historical patterns that define major market cycles• Why interest rate cycles unfold over generations• What the 2021 bond market top tells us about the next decade• How inflation behaves like an underground coal fire• The shift from “capitalism without capital” to the “tangible twenties”• Geopolitical tension, military spending, and inflation risk• The Fed's role in shaping today's market distortions• The long-term consequences of QE and financial repression• Private credit, opaque marks, and the fragility beneath the surface• Rising risks inside life insurance balance sheets• Why credit cycles always go further than anyone expects• The challenge of finding long opportunities in today's market• Why liquidity and patience may be the biggest opportunities• Whether the classic 60/40 portfolio still works• Gold as money and why confidence in paper currencies is eroding• Jim Grant's one lesson for the average investorTimestamps00:00 Cycle extremes and market absurdities01:00 Interest rates over generations07:00 Defining major tops and bottoms12:30 Where we are in the current rate cycle14:00 Inflation, armed conflict, and tangible investment18:00 The “tangible twenties” and data center boom19:00 Coal fire inflation analogy20:00 Fed independence, politics, and monetary power25:00 The long shadow of the 2008 crisis30:00 QE, zero rates, and long-term consequences33:00 Housing affordability and locked-in rates34:00 Risks in private credit and opaque marks36:00 How far the credit cycle has progressed38:00 Japan, value investing, and long cycles43:00 Where opportunities exist today47:00 The future of the 60/40 portfolio49:00 Structural risks from low-rate distortions51:00 Freedom, politics, and economic consequences56:00 Gold as money58:00 What Jim Grant believes most investors disagree with59:30 The one lesson Jim Grant would teach the average investor

Big tech is stumbling while pharma stocks surge, what does that mean for markets heading into 2026? In this episode, Anthony and Piers unpack why Nvidia, Microsoft, and Amazon are dragging, while Eli Lilly and Merck lead a surprising rotation. They also explore shifting Fed rate cut expectations, conflicting US labor data, and what it all signals for the S&P 500's next move.We also break down Deutsche Bank's “triple whammy” dollar call, Trump's Fed chair pick, and why a yen carry trade unwind could shake crypto markets. Plus, UK PMI surprises and pound strength, are brighter days ahead for the UK economy? Tune in for easy-to-follow macro insights this week!(00:00) Topics & Listener Shoutouts(02:51) Big Tech Wobble, Pharma Surge(09:16) Fed Cut Expectations & Labour Data(18:27) Trump's Fed Pick & Market Reaction(24:23) Deutsche Bank US Dollar Call(30:07) Yen Carry Trade & Crypto Risk(36:01) UK Budget Bounce & PMI Surprise*****Last chance to join our in-person Finance Bootcamp in London 15-19 December 2025. As part of our podcast community, you can use the code BOOT500 at checkout for a £500 discount.

The salient point of today's discourse revolves around the imminent weather developments across the United States, particularly emphasizing the marginal risk of excessive rainfall along the central Gulf coast and the anticipated atmospheric river affecting the Pacific Northwest. I elucidate the potential for localized flash flooding in coastal regions due to persistent showers. Concurrently, I provide updates regarding winter weather advisories and warnings for several states, including Michigan and Colorado, where hazardous travel is expected due to heavy snowfall. Additionally, I draw attention to the coastal flood advisories in various regions, underscoring the need for vigilance as high tides may lead to minor inundation. This comprehensive weather briefing serves to prepare our audience for the diverse meteorological challenges that lie ahead.Takeaways:* The Weather Prediction Center has issued a Day One marginal risk for excessive rainfall along the central Gulf Coast, indicating possible weather-related impacts. * Localized flash flooding is anticipated in areas where persistent showers develop near coastal regions, necessitating vigilance among residents. * A strong atmospheric river event is forecasted for the Pacific Northwest early next week, which may influence local weather patterns significantly. * Winter weather advisories remain active across multiple states, including Alaska and Michigan, highlighting ongoing hazardous conditions due to snow and freezing temperatures. * Coastal flood advisories have been issued for various regions, including North Carolina and Oregon, in response to high tide events that may lead to minor inundation. * Overall, careful monitoring of weather patterns and advisories is essential as conditions continue to evolve across the United States. Sources[WPC Day 1 ERO | https://www.wpc.ncep.noaa.gov/qpf/ero.php?day=1&opt=curr][NWS Mobile | https://www.weather.gov/mob/].NCEP Weather Prediction Center+1][NWS Anchorage | https://www.weather.gov/afc].[NWS LOX | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=high+surf+advisory][NWS SF Bay Area | https://www.weather.gov/mtr/][NWS Grand Junction | https://forecast.weather.gov/showsigwx.php?product1=Winter+Weather+Advisory&firewxzone=COZ205][NWS LIX | https://www.weather.gov/lix/][WPC | https://www.wpc.ncep.noaa.gov/qpf/ero.php?day=1&opt=curr][NWS APX | https://www.weather.gov/apx/][NWS Missoula | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=mso&wwa=winter+weather+advisory][NWS Buffalo | https://www.weather.gov/buf/BUFHWOBUF][NWS WWA (ILM) | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=coastal+flood+advisory][NWS Wilmington | https://www.weather.gov/ilm/][NWS Portland | https://www.weather.gov/wwamap/wwatxtget.php?cwa=pqr&wwa=all][NWS Nashville | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=winter+weather+advisory][NWS EWX AFD | https://forecast.weather.gov/product.php?issuedby=EWX&product=AFD&site=EWX][NWS EWX | https://www.weather.gov/ewx/][NWS WWA | https://forecast.weather.gov/wwamap/wwatxtget.php?cwa=usa&wwa=coastal+flood+advisory][NWS Seattle | https://www.weather.gov/sew/][WPC | https://www.wpc.ncep.noaa.gov/discussions/pmdepd.html] This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

What happens when AI, blockchain, and decentralized identity merge into a single system for human + machine knowledge? In this Grownlearn episode, host Zorina Dimitrova sits down with Billy Luedtke (ex-EY, ConsenSys, MetaMask) — now founder & CEO of Intuition Systems, the first blockchain network purpose-built for information finance. Billy breaks down: • Why decentralized information is the next frontier beyond DeFi • How Intuition's decentralized knowledge graph lets humans and AI trust the same data • Why tokenized information, decentralized search, and identity will reshape society • What lessons from Ethereum's early days shaped his vision • How Intuition gives users ownership & monetization rights over their data • Why centralized AI + search could lead to a dystopian future — and how we prevent it If you're building in Web3, AI, DeFi, decentralized identity, or data infrastructure, this episode gives a rare look into the architecture and philosophy behind one of the most ambitious projects in the Web3 space. ---------------------------------------------------------------------------------------------------------------------------------------------

AI use is becoming more commonplace for adults and children. While it is sometimes useful, it can have a negative impact on overly reliant users' critical thinking skills, beliefs in false information, and abilities to be creative and think outside the box. Parents can learn how AI can be a risk and how to promote AI literacy, set clear boundaries with their children's use, and promote a general sense of online skepticism with their children. Visit FirstAnswers.com to find answers for 21st-century parents and more about the podcast.

From blackleg to sclerotinia,to clubroot and verticillium, growers face a shifting landscape of canola diseases, and with that comes a steady stream of questions about when to scout, what to spray, and how to choose the right genetics. In this episode of RealAgriculture's Canola School, Keith Gabert, provincial canola agronomy specialist with Alberta Canola Producers... Read More

In one of our most eye-opening conversations yet, Bo Brabo and Luke Carignan sit down with clinical pharmacist Langley Kyle to unpack the truth behind GLP-1 medications—Wegovy, Ozempic, Zepbound, tirzepatide, and their compounded counterparts. Whether you're an HR leader, benefits strategist, or simply trying to understand why GLP-1s dominate workplace conversations, this episode breaks it all down with clarity, expertise, and a surprising amount of laughter.From skyrocketing utilization to social-media-driven demand, Langley reveals what she's seeing across employer plans nationwide…and what's coming next.

Why B2B Marketers Hesitate to Choose an AI Tool and How to Move Forward with ConfidenceIn this episode, Donna Peterson talks about the real fears many B2B marketers face when thinking about using AI tools and large language models. She explains why choosing an AI tool can feel overwhelming and why many industrial brands, executive education programs, and companies with long sales cycles hesitate to get started.Donna highlights three concerns she hears most often:• Not knowing which large language model to choose• Worrying that AI will harm personal relationships• Feeling unsure about learning what seems like a new technologyShe explains that tools like ChatGPT, Gemini, and Copilot all work in similar ways, and the key is understanding how to guide them. Donna reinforces that AI should not replace personal connection. Instead, it should give marketers more time to build trust by handling routine tasks in the background.Listeners will learn how large language models respond to clear direction, why “garbage in, garbage out” still applies, and how to start using AI safely without risking their brand voice. Donna also discusses the increasing interest in AI agents and why companies need to understand LLMs before creating customized agents for different departments.The episode includes simple steps B2B teams can take to start using AI immediately, along with practical guidance for industrial marketers who want to use AI without losing the human touch that builds long-term relationships.These insights support marketers looking for clarity on how to start with AI, how to protect their brand voice, and how to use AI tools responsibly in B2B marketing.Episode Chapters:00:00 Introduction and Purpose00:56 Common Fears of B2B Brands Using AI01:29 Choosing the Right AI Tool02:38 Overcoming the Fear of Learning New Technology03:23 Maintaining Personal Connections with AI05:20 Deep Dive into Large Language Models06:19 The Importance of AI Training in Corporations08:01 The Role of AI Agents in Business10:38 Practical Tips for Using AI Effectively14:38 The Risks of Relying Solely on Software Platforms19:29 Final Thoughts and EncouragementIf you found this episode helpful, please subscribe and rate the show. Your support helps us reach more B2B professionals and continue our mission to inspire success.We do Individual & Team Training as well as Speaking Engagements. See contact details below. *** Reach out to dpeterson@worldinnovators.comif you'd like help building a marketing strategy that builds relationships and/or AI training for individuals or full teams. *** Visit www.worldinnovators.comfor more resources on building stronger marketing and leadership strategies. *** Subscribe to the B2B Marketing Excellence & AI Podcast for weekly insights into marketing, leadership, and the future of AI.

In this episode of EisnerAmper's Engaging Alternatives Spotlight, Elana Margulies-Snyderman, Director, Publications, speaks with Chris Paolino, Portfolio Manager at Esker Point Advisers LLC, a commodities-focused investment advisor and affiliate of Titan Advisors, a global alternative investment firm with over $2 billion in firm assets, based in Connecticut. Chris shares his outlook for commodities investing, including the greatest opportunities, challenges and more. Disclaimer: The statements made herein by Chris Paolino represent his personal views and opinions as of the date of this interview and do not necessarily reflect those Titan Advisors, LLC or its affiliates. This presentation is not intended to constitute investment advice; nor does it constitute an offer to sell or a solicitation of an offer to buy any security, investment product, or service. No recommendation or advise is being given as to whether any investment is suitable for a particular investor. To the extent this presentation contains forward-looking statements there is no assurance or guarantee that any forward-looking statements will come to pass or that future results will be consistent with any information provided. ✨ What you'll learn:

⬜ Welcome to Palvatar Market Recap, your go-to daily briefing on the latest market movements, global macro shifts, and crypto trends—powered by Raoul Pal's AI avatar, Palvatar ⬜ In today's update, Palvatar highlights a cautiously positive equity session as markets await key U.S. data and price in high odds of Fed rate cuts. Europe posts strong PMI readings and tighter bond spreads, while Asia shows mixed momentum. Crypto regains a $3 trillion market cap, with Bitcoin surging to $93,000 and regulatory developments unfolding across several regions. Stablecoins also take center stage amid governance concerns and shifting global policies.

While many businesses rely on Microsoft 365, Salesforce and Google Workspace security features, critical blind spots remain—the recent series of high profile SaaS breaches demonstrate this. So what should you do? Mike Puglia, General Manager of Kaseya Labs, joins Business Security Weekly to discuss the risks in SaaS applications. In this segment, Mike will explore how bad actors are focusing their attacks on SaaS applications, hijacking tokens and how misconfigured integrations are used to bypass traditional defenses. Mike will also discuss how IT leaders can rethink protecting their essential SaaS business applications with tools that go beyond endpoint and MFA strategies to secure the modern user. This segment is sponsored by Kaseya 365 User. Visit https://securityweekly.com/k365 to learn more about them! In the leadership and communications segment, The rise of the chief trust officer: Where does the CISO fit?, When Another Company's Crisis Hurts Your Reputation, Effective Workplace Communication Tips, and more!   Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-424

From time to time, we'll re-air a previous episode of the show that our newer audience may have missed. During this episode, Santosh is joined by Matthew Putman, Co-Founder and CEO of Nanotronics, a company providing customized solutions for automated optical inspection, process control, and security. During the conversation, Santosh and Matthew explore the current state and future of semiconductor manufacturing in the U.S., emphasizing the challenges and opportunities. Matthew shares his unique journey from a background in theater and music to leading innovations in semiconductor manufacturing. Key topics include the implications of the CHIPS Act, the concept of "cube fabs," the importance of reskilling the workforce, the transformative role of AI in manufacturing, the need for creativity and adaptability in the industry, and so much more.Highlights from their conversation include:Matthew's Background and Journey Into Manufacturing (0:41)The State of Semiconductor Manufacturing (4:33)Impact of the CHIPS Act (7:01)Reskilling the Workforce (11:17)Critique of the CHIPS Act Funding (13:00)Opportunities in Manufacturing Technology (17:58)Collaboration Between Academia and Industry (20:46)Risks of Diversifying Semiconductor Production (23:18)The Value of AI in Manufacturing (25:10)Creativity in Business and Music (26:11)Science and Engineering Thought Processes (28:10)Impact of Upcoming Elections on Manufacturing (29:33)Labor Shortage Perspectives (30:00)Final Thoughts and Takeaways (30:31)Dynamo is a VC firm led by supply chain and mobility specialists that focus on seed-stage, enterprise startups.Find out more at: https://www.dynamo.vc/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI-integrated tools, such as OpenAI's Atlas and Microsoft Teams, are introducing new trust and identity risks, particularly through vulnerabilities like prompt injections and guest access features. The Atlas browser, launched on October 21, 2025, has been identified as having security flaws that could allow attackers to inject harmful instructions. Similarly, Microsoft Teams has a vulnerability that permits attackers to bypass security protections when users join external tenants as guests. These developments highlight the fragility of AI integrations and the need for robust security measures in collaborative environments.The FBI has reported over $262 million in losses due to account takeover fraud schemes, with more than 5,100 complaints filed this year. Cybercriminals are employing social engineering tactics to gain unauthorized access to online banking and payroll accounts, often locking victims out by changing passwords. The FBI recommends that individuals monitor their financial accounts closely, use complex passwords, and enable multi-factor authentication to mitigate these risks. This trend underscores the importance of managing trust and identity in security practices, as attackers increasingly exploit human vulnerabilities rather than technical flaws.In the managed service provider (MSP) sector, a recent survey by OpenText Cybersecurity revealed that while 92% of MSPs are experiencing growth driven by interest in AI, fewer than half feel prepared to implement AI tools effectively. This marks a significant decline from the previous year's 90% readiness. Additionally, 71% of MSPs reported that their small and medium-sized business clients prefer bundled security solutions, indicating a shift towards integrated offerings that simplify decision-making for clients. The findings suggest that MSPs need to focus on data governance and readiness before deploying AI solutions.For MSPs and IT service leaders, the key takeaway is that modern security is increasingly about managing identity and data governance rather than merely adding more tools. As AI vulnerabilities and account takeover fraud become more prevalent, providers must prioritize establishing secure trust boundaries and effective data management practices. By doing so, MSPs can differentiate themselves in a competitive market, ensuring they are equipped to deliver secure AI solutions and meaningful automation to their clients. Three things to know today00:00 New AI, Collaboration, and Fraud Threats Underscore That Identity—not Infrastructure—is the Real Security Battleground05:15 Survey Shows MSPs Expanding Services Amid AI Interest, Yet True Opportunity Lies in Readiness and Governance07:45 New MSP Integrations, Funding, and AI Platforms Underscore the Shift Toward Identity and Data Governance as the True Control Plane This is the Business of Tech.     Supported by:  https://try.auvik.com/dave-switchhttps://scalepad.com/dave/

Kevin chats with attorneys Faith Miros and Mark Wendaur of Offit Kurman to break down the legal realities shaping warehouse and logistics operations today. Offit Kurman is a national full-service law firm with more than 300 attorneys advising business owners across the full lifecycle of their organizations. In the warehouse sector, Faith focuses on real estate, zoning, environmental compliance, and industrial leasing. Meanwhile, Mark concentrates on transactional work, contracts, financing, and governance. Together, they unpack how operators can protect themselves from legal risks in warehousing. Their insights reveal how legal strategy increasingly influences location decisions, customer relationships, and the long-term stability of warehousing operations.Learn more about Brecham Group here. Learn more about Endpoint and give Gary a break here. Follow us on LinkedIn and YouTube.Support the show

This episode is a re-air of one of our most popular conversations from this year, featuring insights worth revisiting. Thank you for being part of the Data Stack community. Stay up to date with the latest episodes at datastackshow.com.This week on The Data Stack Show, John and Matt dive into the latest trends in AI, discussing the evolution of GPT models, the role of tools in reducing hallucinations, and the ongoing debate between data warehouses and agent-based approaches. They also explore the complexities of risk-taking in data teams, drawing lessons from Nate Silver's book on risk and sharing real-world analogies from cybersecurity, football, and political campaigns. Key takeaways include the importance of balancing innovation with practical risk management, the need for clear recommendations from data professionals, the value of reading fiction to understand human behavior in data, and so much more.Highlights from this week's conversation include:Initial Impressions of GPT-5 (1:41)AI Hallucinations and the Open-Source GPT Model (4:06)Tools and Determinism in AI Agents (6:00)Risks of Tool Reliance in AI (8:05)The Next Big Data Fight: Warehouses vs. Agents (10:21)Real-Time Data Processing Limitations (12:56)Risk in Data and AI: Book Recommendation (17:08)Measurable vs. Perceived Risk in Business (20:10)Security Trade-Offs and Organizational Impact (22:31)The Quest for Certainty and Wicked Learning Environments (27:37)Poker, Process, and Data Team Longevity (29:11)Support Roles and Limits of Data Teams (32:56)Final Thoughts and Takeaways (34:20)The Data Stack Show is a weekly podcast powered by RudderStack, customer data infrastructure that enables you to deliver real-time customer event data everywhere it's needed to power smarter decisions and better customer experiences. Each week, we'll talk to data engineers, analysts, and data scientists about their experience around building and maintaining data infrastructure, delivering data and data products, and driving better outcomes across their businesses with data.RudderStack helps businesses make the most out of their customer data while ensuring data privacy and security. To learn more about RudderStack visit rudderstack.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Got a question or comment? Message us here!In this episode of the #SOCBrief, we dig into how world events can trigger cyber fallout that lands directly on the desks of security teams. From ransomware crews capitalizing on instability to hacktivists launching DDoS attacks and opportunistic actors going after vulnerable sectors, we talk through why geopolitical tension often leads to increased cyber activity. We break down real patterns, recent trends, and the warnings SOCs should be paying attention to right now ... plus practical defensive steps you can take to stay ahead of emerging threats. ⚠️

In this latest OIES podcast from the Energy Transition Programme, Dimitra Apostolopoulou talks to Managing Director of Energy Management, Markets and Risk at Reventus Power, Naz Osmancik, about his latest paper titled “From Certainty to Volatility Beyond the Contract: Managing Risks and Opportunities for Renewable Assets with expiring CfD Support”. This podcast explores the shifting […] The post OIES Podcast – From Certainty to Volatility Beyond the Contract: Managing Risks and Opportunities for Renewable Assets with expiring CfD Support appeared first on Oxford Institute for Energy Studies.

While many businesses rely on Microsoft 365, Salesforce and Google Workspace security features, critical blind spots remain—the recent series of high profile SaaS breaches demonstrate this. So what should you do? Mike Puglia, General Manager of Kaseya Labs, joins Business Security Weekly to discuss the risks in SaaS applications. In this segment, Mike will explore how bad actors are focusing their attacks on SaaS applications, hijacking tokens and how misconfigured integrations are used to bypass traditional defenses. Mike will also discuss how IT leaders can rethink protecting their essential SaaS business applications with tools that go beyond endpoint and MFA strategies to secure the modern user. This segment is sponsored by Kaseya 365 User. Visit https://securityweekly.com/k365 to learn more about them! In the leadership and communications segment, The rise of the chief trust officer: Where does the CISO fit?, When Another Company's Crisis Hurts Your Reputation, Effective Workplace Communication Tips, and more!   Show Notes: https://securityweekly.com/bsw-424

Most people are stuck in a healthcare system designed to manage symptoms, not create real healing. Today, Dr. InJun Chong joins Josh Kosnick to expose why so many patients end up on painkillers, unnecessary surgeries, and endless treatment plans that never address the root cause.Dr. Chong is the founder of Reveal Wellness and a leading practitioner in regenerative medicine, specializing in human cellular tissue products, shockwave therapy, and non-invasive recovery methods. His approach challenges the traditional medical model by prioritizing the body's natural ability to heal.In this episode, Josh and Dr. Chong break down:• Why the medical system prioritizes pharmaceuticals over long-term healing• The truth about regenerative therapies and who they actually help• The misconceptions around chiropractic care• What people can do at home to reduce pain and improve mobility• The leadership crisis inside the healthcare industry• Why most people wait too long to address pain• How Dr. Chong is integrating high-performance leadership through the Bridge Builder MastermindIf you've been frustrated with the medical system, are looking for alternatives to surgery or NSAIDs, or want to understand how to take ownership of your long-term health, this conversation will give you the clarity and direction you need.Learn more about Dr. InJun Chong and Reveal Wellness:https://www.revealwellness.life/For coaching, events, and leadership development:https://www.joshkosnick.com/00:00 – Introduction and Personal Responsibility02:00 – Dr. Chong's Backstory and Path to Regenerative Medicine07:00 – Chiropractic vs. Medical Industry11:00 – Stem Cell Therapy: Misconceptions and Real Results15:00 – How the Body Heals: Cells, Pain, and Dysfunction19:00 – Insurance, Incentives, and Healthcare System Failures23:00 – Lifestyle, Habits, and Personal Accountability30:00 – Media Influence and Health Confusion32:00 – Regenerative Medicine, Shockwave, and Peptides40:00 – Personalized Treatment and Ozone UV46:00 – Mindfulness, Thought Work, and Emotional Health53:00 – Risks of Surgery, NSAIDs, and Inflammation58:00 – Gut-Brain Connection01:06:00 – Building a Sustainable Healthy LifestyleSpartan Valor Foundation is dedicated to empowering veterans, military families, and survivors of child trafficking. Through strategic partnerships, we provide critical resources, advocacy, and hope for those who have sacrificed so much. Join us in making a difference—because no hero should stand alone.

In this episode, Dr. Sharon Niv discusses her work at Joyus, a public benefit company focused on revolutionizing mental health care through personalized at-home microdose ketamine treatments.    Dr. Sharon explains the history of ketamine as a treatment for mental health, its mechanisms of action, and the importance of community support in the healing process.    Nick asks Dr. Sharon questions that address common concerns and stigma surrounding ketamine treatment, emphasizing its low risk and potential benefits.    Their conversation also explores the role of neuroplasticity in mental health recovery and the future of AI in therapy.    Dr. Sharon provides insights into personalized treatment protocols and encourages both patients and therapists to consider the benefits of ketamine therapy.   Key Takeaways:    Dr. Sharon Niv is a cognitive psychologist bridging neuroscience and therapy. Joyus offers personalized at-home microdose ketamine treatments. Ketamine was first synthesized in the 1950s and is used safely in medical settings. The drug has shown promise in treating severe depression and suicidality. Ketamine works primarily on the glutamate system, unlike traditional psychedelics. Lower doses of ketamine can provide therapeutic benefits without destabilizing experiences. Community support is crucial for individuals undergoing ketamine treatment. Neuroplasticity allows the brain to change and adapt, which is enhanced by ketamine. Personalized treatment protocols are essential for effective ketamine therapy. AI has potential in mental health, but should not replace human therapists.   Chapters   00:00 Introduction to Dr. Sharone Niv and Her Work 02:58 The Journey to Psychology and Entrepreneurship 05:47 The History and Safety of Ketamine 08:45 Ketamine as a Treatment for Mental Health 11:36 Understanding Ketamine's Mechanism and Effects 14:44 The Psycholytic State and Its Benefits 17:40 Addressing Stigma and Concerns Around Psychedelics 20:48 The Joyus Approach to Microdosing Ketamine 23:24 Personal Experiences and Emotional Release 26:45 The Importance of Connection and Exploration 27:14 Exploring Psychoactive Substances and Their Impact 28:14 The Tragic Story of Matthew Perry 32:56 Neuroscience and Mental Health: The Role of Neuroplasticity 39:45 Personalized Treatment Protocols for Mental Health 45:22 Community Support in Mental Health Treatment 47:48 The Future of AI in Therapy 53:07 The Dark Side of AI in Mental Health 54:37 Innovative Uses of AI in Therapy 56:09 Training Therapists for New Technologies 59:43 The Journey of Integrating Ketamine Treatment 01:02:09 Encouragement for Patients and Therapists 01:04:22 Understanding the Risks and Benefits of Ketamine 01:09:52 Navigating the Decision to Try Ketamine 01:12:08 Practical Considerations for Microdosing Ketamine Find Dr. Sharon Niv here: Instagram: https://www.instagram.com/joyous.team/  Facebook: https://www.facebook.com/joyous.friends   Website: https://www.joyous.team/  LinkedIn: https://www.linkedin.com/in/sharon-niv/ | https://www.linkedin.com/company/joyousteam/ Find Nick Thompson here: Instagram: https://www.instagram.com/nthompson513/  |  https://www.instagram.com/the_ucan_foundation/  YouTube: https://www.youtube.com/@EyesWideOpenContent   LinkedIn: https://www.linkedin.com/in/nickthompson13/     UCAN Foundation: https://theucanfoundation.org/  Website: https://www.engagewithnick.com/     

In this episode of Finding Freedom, we dive into the rise of "polyworking"—the growing trend of juggling multiple jobs and income streams in 2025. Host John unpacks why the traditional 9-to-5 is losing its grip and how economic shifts, technology, and cultural values are driving more Americans to diversify their work lives. From side hustles and gig work to digital entrepreneurship and fractional roles, discover how people are redefining success and stability. John shares personal stories, practical advice, and the risks and rewards of polyworking, including the importance of risk management and avoiding burnout. We also explore the impact of inflation, the Federal Reserve, and why flexibility and autonomy matter more than ever. Whether you're considering a side hustle or already managing multiple streams of income, this episode offers insights and inspiration for building a life on your own terms. Chapters00:00 – Introduction & What is Polyworking?03:30 – The Decline of the 9-to-507:00 – Economic Forces: Inflation & The Federal Reserve12:00 – Why Multiple Streams of Income Matter18:00 – The Cultural Shift: Flexibility Over Salary23:00 – How Gen Z & Millennials Are Leading the Change28:00 – Popular Polyworking Paths: Side Hustles, Digital Services, and More35:00 – Risks, Burnout, and How to Succeed40:00 – Listener Q&A & Final Thoughts Links Fox and Sons Coffee: https://foxnsons.com (Use code JOHN for 15% off $40+) Connect with John: john@lionsofliberty.com Instagram & X: @JohnOdermatt Lions of Liberty Network: https://www.lionsofliberty.com Support on Patreon: https://www.patreon.com/lionsofliberty Support on Locals: https://lionsofliberty.locals.com Follow the Lions of Liberty: Twitter - https://x.com/LionsofLiberty Rumble - https://rumble.com/c/LionsofLiberty YouTube - https://www.youtube.com/lionsofliberty Instagram - https://www.instagram.com/lionsofliberty/ Telegram - https://t.me/lionsofliberty Get access to all of our bonus audio content, livestreams, behind-the-scenes segments and more for as little as $5 per month by joining the Lions of Liberty Pride on Patreon OR support us on Locals! Check out our merchandise at the Lions of Liberty Store for all of our awesome t-shirts, mugs and hats! Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome into the Young Dad Podcast — whether you're outside grilling, mowing the lawn, changing dirty diapers, or maybe you got a moment to sit back and relax — thanks for being here and thanks for tuning in.Today's guest is Dr. John Chanaca, a Licensed Family Counselor, veteran educator, and founder of MJChanacaPublishing—a company devoted to wholesome, values-based children's books and parenting tools. With over 42 years of experience teaching and counseling in schools, he's also the author of Power Parenting, The Super Student Series, and The Family Values Series, which are helping families raise resilient, character-driven kids in a distracted world.Visit the website for interactive activity guides and everything YDP- ⁠⁠www.youngdadpod.com Click the link for YDP deals (Triad Math, Forefathers, and more) - https://linktr.ee/youngdadpod Interested in being a guest on the Young Dad Podcast? Reach out to Jey Young through PodMatch at this link: https://www.joinpodmatch.com/youngdadLastly, consider making a monetary donation to support the Pod, https://buymeacoffee.com/youngdadpod.Listeners, don't forget to check out: